Disclaimer: Everything in the post is my personal experience and anecdotal data. So good news for some of you is that the older you will get, closer to 30 and afterwards is you have higher chance to escape FA and mix it up with a woman, if you have your financial life together.
After girls' prime youthful years of their peak physical attraction and hormone levels, at 26-30+ women start to look for stability, financial security and reliability.
Girls experiment their whole youth, enjoy having attention, but then they are ready to settle. And that's when they will consider you for LTRs/marriage.
And the worse financial situation of a woman will be, the more importance she will put on this factor for her.
And if you have stable decent paying job, you've taken care of yourself physically, you have higher chance to escape, compared to our youth.
However, here the problem comes: essentially what you are doing, is that you are compensating for everything with your money and the girl is kind of just accepts your inferiority trading it for security.
I've seen so many stories on the news, how many women hired killers or poisoned their husbands, just to get the inheritance from them and then bounce to live their best life.
That's pretty scary.
Even though a lot of cases might not be as drastic, I still feel like being alone in this case would be better than essentially serving as a walking ATM that a woman is disgusted by. It's sort of equivalent to women's situation, when there are men ready to fuck them, but they wouldnt consider them for a girlfriend.
The only way this can be avoided is to get together with a girl/woman of your income level, but then such women, would never look at inferior males.
Those who are financially secure are able to pick based on non-financial characteristics.
Check mate.

I apologize in advance for the length of this thread, but by far this is the user that wrote the most comments in the video of our song. At first, he suggested Scepter and Reign, but he debunked this lead by saying: "Scepter and Reign can be crossed off. I have been corresponding with the lady whose name is mentioned in the legal document, Naomi (first name used with her permission, and only her first name) since Thursday. She was legitimately shocked her name was on the document because in all these years NOBODY ever contacted her regarding it. She thinks they may have realized how much money it would cost and probably withdrew. She knew both bands fairly well, scale of 1-10 she answered "6.5 maybe 7'ish". She designed 1 "logo" for each band that was literally just a sketch she made with their band names on them she could print out in the Xerox store she worked at. Scepter's original name was actually "Dungeon Master" but they changed it to fit their name on her design. As for the abandoned demo from Scepter, she said they abandoned it because they couldn't afford to produce it. They didn't even make it far enough to name their 3 or 4 songs. So, on to the big question, are either bands involved with this song? According to her both bands came out in 1985, and according to her this "The Falling King" song predates both bands by a year or 2. This is not Scepter or Reign, this song is older than both bands. According to her, she first heard this song on a Detroit station while visiting family. Even back then, the Detroit station personnel had absolutely NO CLUE who this was. She remembers her father making fun of the singers accent claiming it was a "Posh" accent and also used to think the lyric was "The fall, the fall in the king" lol. I explained how this song was recorded off of several stations in 1987 and she replied "How many songs do you hear on the radio that are several years old?". She was stumped this was played on Z-Rock because this does not sound like an amateur band to her. She is not the only person to make comments that this does not sound like an amateur band, this sounds professionally recorded and produced, something EXTREMELY few amateugarage bands could have done. I thought i had something, but at least i tried. By the way, apparently Reign still performs in the Pittsburgh area under the name "Metallic Thunder"." (THIS IS HIS LATEST COMMENT) If this is true, it means our search will be even more difficult.
In one of his earliest comments he said this: "My 2 oldest sisters (born in 1970 and 1972) actually remember this song being played by garage bands and local talents in the Coatesville PA area. However, they both swear on mom and dads ashes that the first time they heard this song, a local music festival in Exton PA, I was NOT born yet (I was born in 1984). Even back then nobody could say who it was or what the title was. In fact the one band from Downingtown PA used to refer to it as "The Dungeons and Dragons song". And by that i mean, according to my sisters the lead singers girlfriend (or his sister....they could never tell?) would be in the crowd and when they were ready to end their performance she would shout "Play the Dungeons and Dragons song". My sisters also remember the adults thinking this song was somehow a promotional thing for the PA Renaissance Fair. Unfortunately they cannot offer any clues to the identity of this band or songs title, their guess, back then and still today, was Manowar."
At first, he claims our band is Manowar, explaining: "I do not think Manowar is an obscure band, nor do my sisters. The "obscure" bands mentioned in my postings are all the local garage/amateur bands that they remember playing this song and most of those garage/amateur bands even back then, along with my sisters, were under the impression this was a Manowar song. Many people, not just on this post but others feel this is Manowar "pitch" song, other bands thrown around have been Iron Maiden, Overdrive (Or Overkill, i'm not sure if it's the same band?), Blackmane, Axis and Cirith Ungol (spelling?). Keep this in mind, it's not that uncommon for mainstream/well known bands to have unreleased music in their "library". A good example, ask the most diehard Rammstein fans what their first song ever was, they'll probably answer Du Recht So Gut or Rammstein. Most people have never heard their 1992-1993 pitch song, "Tier" (Monster, beast). In fact, Till Linderman himself stated in 2018 he was unaware Tier was ever recorded by anyone, yet alone put up on the internet. Like this "Fall of the King" song, "Tier" was toted as an mystery song for years but was in a group of 4 or 5 other songs that Rammstein did but never released. One of my favorite bands, Corvus Corax, actually had something similar happen, a song they did back in the early 90's, "Vampire", opening for another band was recorded by a fan in the audience and made rounds on the Neo Folk community ages later. Corvus Corax themselves heard it on a radio station in Denmark roughly 2009'ish and called them asking how and when they got that song because they NEVER recorded it for public use. Personally i cannot give a wager who this is? I am not that good with this genre so i go with what people older than me and much better with this music say. To me it could be Manowar, something they never intended to be released publicly, it could be the Z'Rose a bunch of people feel it is, it could be Overdrive/Overkill (i do not know if these names are the same band or 2 separate ones?), it could be me time traveling impersonating my great uncle Fred......ok that last one was just meant to be a joke lol." Then someone says: "has your sister contacted erik to see about the the song?" and he says "OH HELL NO!!! They haven't spoken since they broke up in 1991-1992. I did reach out to his brother probably a year ago and never heard back."
He suggests it's either Manowar or Sarissa (he mispelled them): "@aSome1 There's some confusion, my sisters never said Z'Rose was playing the song in our hometown area. Local teenage to early college yrs bands were playing it. They recognized this song when I was on a family Zoom chat, i had this song on in the background (by accident actually lol) and my oldest sister (#1 born in '70) asked what i was listening to. I turned it up and she shook her head and asked the other sister (#2 born in '72) "Oh my gosh isn't that that stupid Manowar song Erik and his brother used to play all the time?". Erik was the name of her high school boyfriend. They remember hearing it first at an amateur music fest when my brother (born in '82) was still a baby. Mainly they remember mom fitting all of them in her old "Batmobile" station wagon. By the time i was born in '84 that station wagon was gone for at least several months. The band names they specifically remember playing this, and keep in mind these were "Garage bands" from the 80's were: Venomous Vomit, Razors in your Coffee (Erik's band), Ash to Ash, Cauldron Kings, Coven of Metal, Pridesville, South of Hell and Purgatory. They said there were a few more, but didn't remember....or care....to know their names. (Disclaimer: Several peoples associated with those mentioned bands have been contacted by me and several have replied.....the most common reply is "How the hell do you know us!?" lol)
"I have actually been looking at this song for almost 3yrs. I've had some "good leads" and some "bad leads" and i've also had "WTF leads".......but at the end it is still unsolved. So far the biggest contenders, from people way better with this music than me (I'm more a symphonic or extreme metal person) have been: Manowar, Iron Maiden, OverDrive, Overkill, Onslaught of Destruction and Sonic Mahem. My sisters really believe it is possibly an unreleased or "pitch demo" of Manowar but they also said it might be a Greek band from the early 80's called Sarassa or something like that?"
Then he denies it's Z-Rose: "@lostwavefinder587 I have seen that name tossed around a lot on forums and random chats (this being one of them). Most people way smarter and better with this music than myself seem to have the opinion that it is not Z'Rose. They range in reason from: the equipment sound professional and they were not, the dates don't add up, Z'Rose only did covers so even it is them in the recordings it's still not their song.....one individual (a supervisor at work who lived in Texas during this time frame) actually said "Z'Rose wouldn't have been sober enough to finish that song". I have only heard 1 Z'Rose recording, and unfortunately the person who recorded it (I think the date says 1989?) spends the majority of the 5 minute video talking during the performance so all i hear is them and not the singer. I have to emphasize about %99 of this info i'm presenting is NOT from me but people who know this genre of music way better than me....i'm more Symphonic metal and neo folk (Corvus Corax, Heilung, Faun etc."
"Out of curiosity, since a lot people think this might be Z'Rose, has anyone contacted the family/families of Nick or Joe Cavazos? My "team" is looking into a blog page from 2018 of a pretty intense exchange between a blogger and a woman who is believed to be "Rocker Joe's daughter. In this exchange she states this song is NOT her dad and uncle's band. But it gets pretty rough because the blogger keeps pressing and let's just say some NSFW language is exchanged. I will only say this, the woman's name does match one of the names in Julio "Joe" Cavazos obituary, but they can't tell if it is actually HER or someone posing. I also find it interesting that in another posting of this song someone is claiming to be the nephew of both Nick and Joe.....but about a dozen people ask about this song and he does not answer them......but someone else will ask something unrelated to this song and he answers??"
"About a year ago on another posting of this song, someone had a link to a conversation with a woman who was allegedly Joe Cavazos daughter. She very adamantly denied this was her dads band, Z'Rose. They person kept pressing her and she did not budge a single inch, "NO, its not my dad's band". The only thing that could be confirmed was the woman's name did match a name in Julio "Joe" Cavazos obituary as his daughter. But if it was her or not I can't say? Many peoples on other postings and on forums have all claimed to have gotten in contact with Z'Rose and stated they responded "No" to this being theirs.
So the "Kings Fall" song by Bernard Cavazos is actually a completely different song. He is also not related to the Z'Rose Cavazos. Somewhere I read that the "Kings Fall"/"Fallen King" song by Bernard Cavazos is about a corrupt politician or mafia like "king" not an actual king. Again none of this is from me, it's from things I read, not me.
When 'Wang' did a video about several mystery songs he included this one. In his video (I don't know if he made more than one?) he talked about how that Bernard Cavazos has been contacted and has denied this is his Fall of the King song. If my memory is correct Wang read a message from him explaining his "king" was a corrupt politician or gang leader like king. Wang also mentioned there was another Bernard Cavazos who was a doctor and he is sick and tired of people contacting him about this song"
Someone that replied to him said:
"@CharlesMarkward probably this tape recording was an attempt from them to make something of their own, many bands have started this way, an example is the Brazilian power metal band Angra, they were first meant to be an Iron Maiden tribute but as things went by, they have decided to release things of their own...I couldn't find anything about this "Z'Rose" band in metal-archives, neither at Google with a simple research, but the data gathered until this moment make sense: the Z Rock radio is from Texas, the so called "Z'Rose" band is also from Texas, it was the 80's, so, without internet, this was the way bands used to promote their work...but your story adds some drifts from this sensible data available until now...they are/were from Texas, ok...but until then, they weren't any big group, which means they were probably 9 to 5 salarymen whose musician activity was on weekends and the money earned wasn't enough to keep up with, so, a trip from TX to PA is a long ranged one and expensive for their then standards, I can remember when I've read the Mick Wall's Metallica biography, in which they highlight how hard was for them to go all the way from CA to NY to record Kill em' All, well, unless someone sponsored the so called "Z'Rose from Texas" (like the Zazula couple to Metallica) to play in the events you've mentioned in PA...which means they were good and had potential (this "mysterious recording" doesn't let me lie), because it takes a lot for someone at the other eastern extreme of a big country like the USA to call someone all the way from TX to play in an event when probably there were good bands around and without the need of a sponsorship to travel and get some place to sleep and eat..."
Therefore Charles says: "Also, i am not the one saying it's not them. People much better with much more access to metal archives/records are saying it's not them. BUT, everything you said makes perfect sense to me and I have no argument against any of it. It would make perfect sense if it was a possible pitch demo Z'Rose recorded and kept along for a few years before a station played it. My sisters are %98 certain it was a Manowar song, the only other band they mentioned as a possibility is a Greek band i can't find anything about called something like Sarassa??"
Someone told him to contact Erik: "A little bit ago someone in here suggested i contact my sisters ex and ask where he got this song. I could not get a hold of him, but i did get in contact with his brother he played with. According to the brother they got the song from their aunt who lived in Philly (Center City) and would send them tapes of songs to play. This song was on a tape sandwiched between "4 or 5" Manowar songs. He specifically remembered this for 2 reasons: 1, their aunt wrote "Killing of the king by No Name" and 2, the last song on the this tape was labled as a Venom song (he did not recall which) but was actually "Melody of Love" by Bobby Vinton😂. So i think this is why my sisters keep saying it's Manowar, because if it was on a tape with a bunch of their songs that chances are they heard a crapload of times?"
He contacted Erik's brother (Erik is supposedly the ex boyfriend of one of his sisters) and received this reply: "Erik's brother returned another email I sent about this song. I made a post about it about a week ago. The brother says their aunt who lived in Philly included this song on a mix tape of stuff for him and his brother to play. This song was sandwiched between several Manowar songs and the last song on the tape was supposed to be a Venom song but was actually Bobby Vinton's "Melody of Love" 🤣"
Therefore debunking the possibility it's a Manowar song, he also adds: "She (the aunt) passed in 2014. She would record songs off the radio for them. She lived in Philly (Center City) but also had a place in Florida, so he was never sure which cities radio stations she would record from. This song she wrote "Killing the King?" As the title and "???" as the band name, but it was between several Manowar songs. I think this might be why my oldest sisters are so insistent this is a Manowar song because they may have listened to it with Erik and his brother.....it's a theory lol"
He also thought of Iced Earth as the possible band: "lostwavefinder587 I immediately thought of Iced Earth when I heard this song. Although it's likely just a coincidence, it's interesting to note that Iced Earth was originally called "The Rose".
Someone said to him: "if that's any help, the Greek band's name you're talking about is probably Sarissa. I don't think it's them, though: the vox sound kinda different, and their songs are mostly Ancient Greece-themed." And he replied: "Yes, thank you! All this time I've been spelling it wrong. I gave a quick listen to a demo of theirs from '86. In terms of sound and beat and tempo etc, they are pretty close to this song. In terms of vocals, they sound nothing alike." Therefore, he debunked Sarissa himself.
Now here he changed his version and provides a new lead given by his sisters:
"Holy crap for some reason my last post got cut in half and didn't include the following info, sorry! So the individual i spoke to and got the new possible lead is the former singer of the one band my sisters mentioned, Purgatory, (i do NOT have his permission to use his real name but his stage name was Tarantula). He confirmed he played this song "once or twice" but didn't know the lyrics so they just repeated several "blocks" over and over again. He heard it from a band in NJ and when he asked if he could use the song they replied along the lines of "It's not our song, we don't care" but gave no indication who it was or they even knew who it was? He suggested the band "Knightmare" because they were from Texas and he remembers all of their songs being medieval or medieval fantasy related. Supposedly they wore what looked like full on plate armor (he does not know if it was actual metal armor or something made to look like it). He saw them perform a handful of times because he spent summers in Texas on his grandfathers (mistakenly said uncle in my last post, sorry) ranch and would sneak off at night to "the metal scene" (i do not know if that was a club name or if he just meant that in general?). He began visiting his grandfathers ranch in 1980 and stopped when his grandfather retired in 1992. He gave an estimated timeline for "Knightmare" of 1981-1989."
He corrects himself by saying they are not called "Knightmare": Interestingly, my supervisor at work lived in Texas during this timeline (roughly mid 70's to mid 90's from what i can gather?) and when I asked him about Knightmare he had no idea. But when i mentioned they dressed up like knights in armor he suddenly looked startled and said "That wasn't their name, their name was Battle Battalion or some s*** like that".
But then he says: "So i posted a few months ago about this song, my sisters remember garage bands in the area playing this… I checked every band called Knightmare on Metal Encyclopedia and it doesn’t look like it’s our band." "Forgive my French.....Damn. I thought maybe it could have been a lead but i guess like dozens of others I've come across, dead end. I did a quick search for Knightmare a few weeks ago and I got all excited i saw one band dressed up like monks or Druids, but that band only came out in 2017. I think it's safe to say the name has been used by many bands."
Then someone asks him: "Does the name "Battle Battalion" show up on any Metal "pedia" sites? That's what my supervisor claims this "dressed up in medieval armor" bands name was?" and another one told him: "I saw some bands with Battalion on the metal encyclopedia and discogs and none of them are our band. I don’t think we should go based on what a band wears as our lead."
Then he debunks the Knightmare (and the Conquest) lead: "So a little bit ago i mentioned a band name "Knightmare" as a possibility for this song. Well the band was actually called "KnyghtBlyde" (Knight Blade) and i got in contact with the daughter of the vocalist last night. I played this song for her and after some confliction/hesitation she said it is NOT her dad. The biggest thing was all of her dads songs were based of Aruthurian lore and filled with references to Camelot, Arthur, Morgana, Lancelot, Excalibur etc. Since this song has none of that, its not them. She has no idea who this is. I did a quick search "Conquest 80's metal band Texas" and found 3 results. Conquest from San Antonio, split in either '85 or '87. Conquest from Dallas, '86 - '90. Khan'quest (possibly same band as Khanquistador?), no location given but split up in '88 then reformed in 2000 then......nothing? I could not find anything about any of their songs or demos or releases or band members. But it's obvious I was thinking of the wrong Conquest bands 😂 Conquest was ruled out. Someone who owns the tape was contacted and told us this isn't them."
And he says the singer of KnyghtBlade is convinced this song is from Battallion:
"So a little bit ago I mentioned getting in contact with KnyghtBlyde singers daughter who states that this is NOT her dad. She contacted me this morning, her father thinks this song might be by a band called Battalion. But her father said Battalion also went by the name AAA, Anti Aircraft Assault (or Artillery) in their early days. According to her father AAA/Battalion were from Texas but at least 2 of their members were originally from Chicago. Has anyone ever heard of either Battalion or AAA, Anti Aircraft Assault? The closest I can say is my one supervisor at work mentioned a band Battle Battalion from Texas when he lived there."
Then someone replies to him: "you are right there is a band named Battalion formed in 1984" He says: "I cannot find a single piece of music from this particular "Battalion"? From what I could find they formed between 1983 and 1985, split, reformed under a few possible names, split, repeat. 2 people I asked did say they remember a band of some sort from "out west" Anti Aircraft A-something, but neither could give any info."
Now here, he suggests it could be a Talon song:
"So here's a potential lead for everyone: I was just playing this song for a friend who is obsessed with all metal music. She asked me "Where did you get that Talon song?" Talon was/is a German heavy metal band from the early 80's that released several demos and full on albums between '83-'89. Almost all of there songs were medieval themed, especially their 2 demos. Herr's the thing, they supposedly have 3 unnamed tracks from both demos, one allegedly called "King Slayer". I listened to a bunch of there songs and I have to say there are several songs where the singer sounds exactly like our mystery singer, but then the next song they sound nothing alike. There was one song called something like "Execution" that the opening guitar sounds like this songs opening only slower? I'm not saying it is Talon, but it is possibly something to look into or at least consider?"
He also claimed the singer sounds like Bruce Dickinson (which has been suggested many times):
"I've said many times that I personally feel this vocalist sounds extremely close to Bruce Dickinson. There is a clip of Bruce singing Tom Jones' "Delilah" on either a talk or game show, and his opening of that song is nearly identical to this Fall of the King vocals! Tone, tempo, cadence, pitch......it's really really on spot. I am NOT saying it is Bruce, I'm just saying whoever it is does a good job singing like him."
He says this song could be made by Eviscerator:
"Hello again everyone, has anyone ever heard of a band from Britain, late 70's through late 80's called "Eviscerator"? Very very long story short: I played this song at a Viking/Pagan/Neo-Folk/Black Metal "bar" about half a mile up the road from my place and the one patron who looked like Elvira and Lilith Bathory had a daughter together (HOT HOT HOT) comes over and asked me to replay it and she sang along with the recording with about %95 accuracy! Oddly, at the end after the 4 or 5 "The Fall of the King"s, she suddenly sang "The evil one now wears the crown, all hail the evil one" and head banged for a few moments. According to her, this song was by a band called "Eviscerator" and they always claimed this song was written as a pitch track for the movie Heavy Metal? I mentioned how this song by numerous accounts was recorded here in the USA in 86-87 from stations in Texas, Chicago, Cleveland, NYC and (by only one account) possibly Florida. She didn't feel there was an issue with that as stations will often play random things just to fill the spot including songs that are several years older. I asked about her added line at the end and she stated "I didn't add s*** bud, whoever recorded it must have cut it off before they got to it". I mentioned how numerous people strongly believe this is the work of Z'Rose, she said they probably covered it a bunch of times but it is not their song and even stated that this particular recording sounds like it could be them covering. She was more familiar with Z'Rose than me, she commented "The 3 Cavlaros brothers from Texas right? The singer was the oldest brother Jeff?" (I know that's not their name, i only included it for aunthenticity per context of our discussion, the last name is Cavazos and there was only 2 of them right?). She also told me Z'Rose had about a dozen other names through their years including "Gypsy Rose". I asked how she knew this British band "Eviscerator" and she answered that she lived in London from 78-85 and this song was played a lot on "amateur hour" on several stations, especially university stations. This kind of took me by surprise because i thought she looked younger than me (I'm 39) but she lived in England for college and her first husband in the late 70's??"
"In my last comments i mentioned a bar i went to was going to have a mini concert featuring bands that specialize in black metal and 80's tribute metal and i would play this song to see if any of the band peoples or concert goers would chime in. I did just that and got a few hits on the radar with a few of the band members. The one band, Inviaat, the singer says he remembers this song being played on a radio station in Philly PA for an entire summer because that station was trying to find the band. He does not remember the specific station but said it was near the Taylor University campus (my understanding is that there is several?) because the station thought it was the students from that university's music program. When i asked him when exactly that would have been he said Summer of 1983 because he was married on Halloween 1983 and was hoping the station would find the band so they could play at his wedding. A member from the local band "inductus Mortis" said he recalls that song being played "somewhere in the mid 80's" but does not remember if he heard it in Chicago or Cleveland because he bounced between them. I asked several bands, include the Venom tribute band Poisonous Whisper if anyone had ever heard of a band name Eviscerator from the 80's. Only one person thought he heard the name but it wasn't a band name it was a compilation album of NWOBHM from roughly '83-'84, but couldn't tell me anything other than that. As for the other concert goers, the #1 response i got from them was along the lines of "Dude you can sing, you should go pro!".....in other words they thought it was me promoting myself (I wish i could sing like that!!). the #2 response was people thought it was Manowar. After those 2 the guesses were the usual ones i have seen here and everywhere else this topic comes up: Blackmaine, Axis, Overkill, Overdrive, Black Sabath, Iron Maiden, Anthrax, Slayer, WitchAxe and 2 people even asked if it was an Ozzy Osbourne demo."
"I asked around, including my oldest sisters I've mentioned in my postings, about Eviscerator. The only person who heard of them, the one from this time-frame not the other 8 or 9 bands from the 2000's with that name, said they were a generic ManowaIron Maiden/Judas Priest tribute or more accurately, ripoff, band who sucked. I am not saying I buy this woman's account, but i'm also not discrediting it or calling her a liar. Her familiarity with this song and her accuracy with the lyrics makes me believe she knows this song from somewhere.....what that somewhere is, i can't comment because i don't know?"
"So far my friends and I have several "pings" to look into, the name Eviscerator has absolutely nothing from the time frame we're looking at. But there is (was?) a "Lee Lesaat" Canadian/British "mercenary" (did not belong to any band but would play for others) drummer who now lives in NYC my friends are looking into.
There is an 80's metal/black metal tribute concert this Saturday at the bar I was at last weekend. After the bands play their sets they have an open mic like set up where you can play your own music (as long as it fits the theme). I'm going to try and play this song and see if anyone, bands or crowd or food vendors etc, have any reaction.
And by "pings" I just mean responses/possible possible long shot leads. The guy or girl claiming to be a psychic vampire who time traveled and wrote this song for The Lost Boys movie is NOT going to be one of them😂"
Then someone asks: "What band is this Eviscerator ? I found a band that was formed in 2012 . Furthermore tthe song is not in the metal archives I searched through lyrics was not found." He says: "Allegedly they were in England in the 1980's, but the woman stated 2 of them had New York accents. If all of her account is true and accurate, they were NOT a professional big name band. I did find several bands with the title "Eviscerator" (in different variations) but all of them were from the 2000's. The only "pro" band with that title I could find was a Hungarian band from the mid 2000's. I asked Satanic lady if she remembered any of the other bands that played alongside "Eviscerator" and she only remembered 3: "Band-Shee" (an all female band....get it?) Gargoyle, and Werewolf Tears."
"I have a very very small update for everyone, but it's still an update nonetheless. The mystery succubus looking woman who said this song was by Eviscerator and sang along to it (even when I "accidentally" muted my phone to see if she was just repeating what she was hearing.....she was not) has been identified by my journalist friend! We are going to try and get in contact with her and see if there is anything else she can remember about "Eviscerator" that could help. I'm not going to get my hopes up, but her familiarity with this songs lyrics and the fact she sang almost in perfect synch with the beat makes me feel she really did know this song from somewhere in her past. That or she is a very good actress? Lol
I found only 1 solid, confirmed band with that name but they were from mid 2000's Hungary. But several peoples now and then tell me they remember hearing that name in the 80's as various things; crappy garage band, NWOHBM compilation album/work, some sort of event space or name, most recently someone claimed he thought it was the stage name of a singer but didn't know who or what band. I'm trying to get in touch with the woman who originally mentioned that name."
He posted this comment that lead nowhere: "2 very small updates for everyone:
1) The Viking/Pagan/Goth/Black Metal themed bar just around the corner from me is having a New Years event tomorrow night. They actually agree to give me a "booth" where i can have a "guess this song" set up. And, it will be right next to where the bands play...I'm going to be between the "stage" and the food truck lol
2) The one radio station i submitted this song to will play it on their "X hour" on 1/8/24. It is not a hugely popular segment, maybe a few hundred listeners, but it's better than nothing.
Here's to the New Year and hope this song and numerous others get solved!"
"So the station played this song Sunday night/Monday morning. They played it 4 times between 2:07am - 3:12am. They received 9 calls about it and about a dozen emails (I seriously didn't know they had an email!?!?!?). Unfortunately the majority of contacts were people either asking for them to replay it or people thinking it was Manowar. There were a few Iron Maidens and one or 2 Ozzy Osborne's. Only 2 people stated they heard this song before. Unfortunately they heard it from "some kilt wearing guy at blank bar plays it, I think it's him self promoting". Yes that's me they referenced and no it is not me singing lol"
He suggest matrixx as a possibility: "There's a band called matrixx that has been giving me interest. They were only around for two years due to financial struggles in their stage. If you look up attaxe and fiinal notice they share two members of matrixx. Their drummer and guitarist sound very similar to the band from this song. It's pretty crazy too because they have a song called defy the king. They also had a label to produce their songs which is called Suma Recording Studios. This may be the reason why the audio sounds too good for a small band. I hope that this is the band! Too many good clues that I found"
He debunks the Steven Lindfield lead: "One of the names thrown about here and there on posts about this song is a Steven Linfield ("Lindi") who bounced between Chicago and NYC in the 1980's. His alleged involvement varries between being the DJ who allegedly played it on a NYC station, to being a Chicago stations record manageclerk etc etc. I got in contact with him yesterday. He denies having ANYTHING to do with the airing of this song and does not know how or why his name came up. While he did work at 2 stations (NYC, then Chicago during the summer) he was an overnight watchman (security). However, he does recall this song being played on "some amateur hour crapshoot" in '86 in NYC a bunch of times. At that point in '86 he claims people were referencing it as "The King Song" or "The song of the King" (drawn out to match the singers "The Faaaalllll, the fall of the kiiiiiing") and it was already 2 or 3 years old at that time. He did explain that at least at the Chicago station there was an amateur drop-off slot that the dj's would pick through and play random "no namers" labeling them as "space filler". Because they would be played, literally just to fill space, they were NOT mandated to keep any records of them. Sometimes the dj's would just make up names to some of these. One of his main duties was to check the drop-off to make sure there were no bad things thrown in there instead of cassettes. Another dead end, but at least we rulled out one theory......silver lining??😂 LINDFIELD, not Linfield. Darn autocorrect on this phone."
He is convinced it's a professional band's demo: Thats why a lot people I have introduced to this song think it's a professional band, or at the extreme least an amateur band playing with top level equipment/sponsor? 1983 guy stated they sound like they have equipment his garage band "couldn't even afford to dream about looking at yet alone use". It's also one of the reasons my 2 oldest sisters insist this is a professional band (sister #1 says Manowar, #2 says Manowar or Sarissa) because there are no goofs or mistakes or errors. My sisters gave an example of a garage band from their Kutztown university days, "Freefall Abyss" that self released a demo and in one song you can hear a telephone ringing in the background and in another you can hear a fan or ac unit going.
He contacted a girl named Della: "This song was actually played on an old Philly/NJ station on the segment "Della names your tune" in 2009. I was able to get in contact with "Della" (real name withheld by her request) who at first stated "I played thousands of unnamed songs bud, I probably played this one 100 times, sorry i wont be much help" . Then a few days later replied "I do recall this one, it was sent in from a local listener who had it labeled as Dungeon Master or maybe Dragon Master on a CD with a bunch of old early Manowar, JudaPriest, Iron Maiden, Megadead, Metallica and AngelWitch songs. He or she claimed their father had this song on a tape from his college days. Nobody knew what or who it was back in '09 or '10 and as far as I know nobody figured it out when I left the program in '15." The only name she gave, and I don't know if this was even a real name or the drummers "stage name" was Leopald Lestat.........I do have 2 people looking into it (from a metal dating site of all places). Disclaimer: I know some of those bands are misspelled, I purposefully left it that way because that's how she sent it to me."
"I went down that road, you nailed it right on the head. There is no way to track down who that listener was. The only hint she had, in the form of the note attached to the CD was the person said they were from Radnor PA. I couldn't tell you because the other songs kind of bounce around in terms of year: there's a Judas Priest and an Angel Witch song both from 1980 but then there's a song from Megadeath (I believe Megadeath came out in '85?) and a Metallica song from '86? For some reason my one comment didn't show up? Della gave a pretty big hint, she said the mailing address on the CD was from Radnor PA, but the phone number included was a landline for a Chicago address. Her and the station managers assumed it was a "shadow number" and didn't bother keeping record of it. A lot of her requests had local addresses with out of state phone numbers, cellular and landline."
He suggests Dungeon Masters: "I have a potential lead, "Dungeon Masters" from Pittsburgh PA? Long story short: everyone at work talks about a "hot nerdy chick" who works at the one antique book store in town and she is a music genius and knows EVERY song people play. So i decided to test it. I played this song and she stated "I think thats Dungeon Masters, they were from my hometown of Pittsburgh PA back in the early to late 80's. Thats either Dungeon Masters or someone doing an incredible job imitating them?". Given that Cleveland is only a 2-3 hr drive from Pittsburgh (from what Steelers players say) i think this could be a possible lead and explain the Cleveland recording? Again, this is only a POSSIBLE lead, but i think it has potential?
Currently my one "source" is looking into it. He is not always accurate (as evidenced when we were looking into Conquest) but its better than nothing."
And someone adds this: "Della said the same Dungeon Masters so better look into it"
But he says this: "Close, "Della" stated the listener who sent in the CD had this song labeled as "Dungeon Master?", not a band name. But I am looking into it as best as I can. I found a Pittsburgh band "Dungeon" but they're NOT metal they're an Omnia/Faun like band (neo-folk I think is the term?) formed in 2018. I sent word out to the people I know and my "team". Now it is a waiting game."

A gentlle whisper as soft as a summer breeze creeps into existence “Your mom is a hoe.”
Fredo the Crimson Fleet Corsair whirls around on his heels pointing the muzzle of his Kraken in the general area of the noise. All he sees is Jorge The Gordo leaning against a stack of recently purloined cases of UC assault rifles. He calms down after a bit and goes back to drinking and thinking about murder.
Once again the whisper arrives without warning “You’ve got a 230 credit rating. You owe credits to mother fuckers in the future you haven’t even met yet.”
Fredo slaps at his thigh holster and pulls the deadly machine pistol free. You can call his mom a hoe but you never EVER bring up his poor credit rating. Jorge The Gordo is standing quietly by thinking about sandwiches when small caliber bullets begin tearing through his third hand spacesuit. The lifeless body now stitched full of holes bounces gently away in the low gravity environment. A few pirates investigate the disturbance but considering Fredo kills people all the time this is within the norm.
Feeling at ease now the violator has been dealt with Fredo loads a fresh mag into the hungry magazine well of his Kraken. He begins thinking of Red Trench and Paradiso prostitutes, and also sandwiches.
The whispers are back yet this time they fall on other ears…
“You’re Wight is a floating pile of failure wrapped in a blanket of sadness”
“When you fire your Orion you look like an idiot.” (They can’t all be successful rolls…)
“Delgado makes fun of your accent when you’re not around.”
“You can’t maintain an erection.”
A bullet impacts the fibrasteel superstructure of the outpost next to Fredos head. Instinctively he drops to a knee, pulls his pistol, and scans for targets without thinking. Two of his former comrades have begun firing at his position from a distance. He does a right combat roll which looks magical in low gravity and rattles off a burst while sliding behind cover. The Kraken bucks and kicks in his hand, he knows all of his rounds went wide however it did slow the advance of the opposition which was its intent. He reloads and swings around the other end of the cover and catches them dead to rights. Bullets quietly zip into the nearest target killing him instantly. As his target falls his muscles contract and he clutches the trigger on his Maelstrom and empties the magazine towards Fredo. Quickly launching himself into cover saves his life if only for a few more moments.
Fredo reaches for another magazine to only realize there are no more. He pulls a Rattler from a boot holster and clutches it dearly. He can hear nothing but his screaming heartbeat in the cold vacuum of Titan. He notices the shadows of a rifle break the corner of his cover and charges it catching it under his arm. His attacker rattles off most of a mag and then Fredo shoved his backup pistol underneath the helmeted head and pulls the trigger seven times. The first three had little to no effect on the heavily armored spacesuit however the last four were more than enough to get the job done. He snatches the Maelstrom out of the air before it can float away and tips his head down to do a quick press check.
“Good.” He thought as the weapon was still loaded with at least ten rounds or so and chambered. As soon as he looked up from the weapon his vision went black.
The Razorbacks recoil was tripled in low gravity and ended its deadly arc of recoil at the twelve o clock position above Mavis’ head. As she looks at the lifeless body spinning end over end she wonders how she will spin this to Delgado. The Razorback as still on his downward return arc from the recoil when her upper body is removed from the lower half.
The Starborn looks up from the scope on his Magsniper 500 meters away.
“Excellent shot sir! What am I saying they are all excellent shots! I would wager you’ve never had a bad shot.” The adoring fan rants.

How do your tenants pay you and when is it counted as on time or late?
I became the landlord/property manager for a few houses my mom owned. For 11 years, the tenants have paid at the local bank into my mom's account before and after she passed. June 1st, the bank will no longer allow deposits into an account unless the person making the deposit is joint owner of the account. I'm not making an account with the tenants. Other banks want me to print out deposit slips for the tenants with my name, their name, the memo line filled in and all my routing and account number info. This info would allow some sketchy people to hijack my credit. I get that info is on checks I write, but I usually only write checks to pay property taxes so i trust the township not to hack my info.
I have sent a text to all tenants informing them of this change by the bank and that money orders, personal checks, or cashier's checks or hand delivered cash would be necessary and I'd finalize it via first class mail within the next week. All tenants I get along with well enough to have them drop off a payment at my house but I'm 20-25 miles from the houses. I will not be accepting Pay Pal or any other e payment service that takes a fee. I have had complaints from those sending a payment that it cost them more and I am not taking less than the amount due. I am liquidating the estate over the next 2 years so this is a relatively short-term thing vs for the next 30 years.
How do your tenants pay you, or how do you pay your landlord as a tenant? If they mail you a check, how do you determine if it's on time or late? I have a lot of issues with my mail delivery. I have Informed Delivery with USPS and I'll have businesses tell me they are mailing me something and it never shows up on Informed Delivery or in person.
Thanks in advance.

Hey everyone, Just wanted to drop a quick reminder about a strategy that the wealthy often use to manage their money. Remember, this is NOT financial advice, just sharing some insights.
Timing the market to sell at the top can be really tricky and comes with a capital gains tax hit. Ironically, many wealthy people figured out the benefits of HODLing decades ago. Rather than selling, they access liquidity by borrowing against their holdings. This way, if you expect your investments to maintain or increase in value – like our thesis on TEDDY becoming an unshortable Amazon competitor – you can access cash without selling your assets.

Why Borrow Against Holdings?

• Avoid Capital Gains Tax: When you sell, you pay taxes on the gains. Borrowing against your holdings lets you access funds without this tax hit.
• Keep Growing Your Investments: If retail collectively continues to hold indefinitely, the squeeze also goes on indefinitely. Up, up, up.
• Flexible Cash Flow: You get liquidity without having to liquidate your assets.

How to Borrow Against Your Holdings

1. Margin Loans: Many brokerage accounts offer margin loans where you can borrow against your stock portfolio.
2. Securities-Backed Lines of Credit: These are loans specifically designed to let you borrow against your investments.
3. Real Estate Equity Loans: If you have property, you can take out a home equity loan or line of credit.

For more detailed info, check out this article from Schwab: 3 Ways to Borrow Against Your Assets.
Again, this isn't financial advice. Just some strategies to consider as we get closer to a potential windfall.
Stay informed and make the best decision for your situation!

I recently opened up an individual trading account and a CMA account with Fidelity. I'd like to hear the community's advice on how to best setup my finances between the two - kindly go easy on me if I'm asking basic questions, I'm entirely new to this kinda thing.
The objective was to move my money from a standard checking account into Fidelity, partly to start investing into ETFs and MFs, and partly because I read that the Fidelity accounts give higher interest on uninvested cash compared to a usual Chase checking account. I'm not sure I understand what purpose the CMA account serves, different from the trading account?
I understand what a core position (SPAXX) on the trading account means, but I don't see the same core position transaction on the CMA. I read about FDLXX being better for state taxes vs SPAXX (for context, I live in Virginia, USA), but do I need to manually buy and sell FDLXX? I thought it would auto-liquidate when I try to withdraw funds from the CMA but that doesn't seem to be how it works, instead it seems to buy/sell at the end of each day. My idea is to store my paychecks on Fidelity until I need to pay rent, and pay that amount directly from a Fidelity account instead of Chase. Given this information, would you suggest I operate with FDLXX or avoid the hassle and just leave it in CMA till I need to use the money? Will simply leaving it there automatically put the money in SPAXX?
I appreciate the patience with a newbie investor, and any advice you can send my way!

Debit/Credit Cards Accepted No Closing Costs Cash Price: $4,800 Finance with $350 Down and 36 Payments of $155 Per Month No Credit Check, No Income Documentation, No Prepayment Penalty 

Hey everyone, I’m posting on here for some advice on what to do with some excess cash.
I (28M) have about $110k sitting in a HYSA, $6k in checking at all times for miscellaneous expenses and bills. I currently max out my 401k and contribute about $500 a month into Marcus’ robo-advisor with a 70/30 split between stocks and bonds. At some point we would like to buy a house, I would say an accurate time frame for this would be in 5-6 years.
I feel like the $110k sitting in the HYSA is too much but I’m not really sure what to do with it. Invest lump sum? Invest a portion of it over time?
Some points of interest: Salary + bonus is about $140k a year. I live with my girlfriend and we are getting engaged soon (ring has already been purchased). I have not started specifically saving for the wedding. Her and I rent an apartment for $2,800 a month. Fixed monthly expenses: 1. Car Payment: $255/mo, 2. Car insurance: $155/mo, 3. Rent: $1,400/mo, 4. Phone + Utilities: $170-$200/mo.

This was originally posted to pettyrevenge, but for some reason got taken down. So here goes:
The revenge I took on my grade nine English teacher was so petty that I hesitate to write about it. But Mrs. Bristle (for that is the name I will give her) was cruel to me every chance she got, and she made my first year in high school a misery. So when a file with her name on it arrived at my office, my first thought was not that I would beat her (for I was certain that I would) but rather, of the revenge I would take along the way.
I was pushing forty when Mrs. Bristle’s file hit my desk, some estate litigation where a mother’s last will and testament left my clients next to nothing, and gave their sister, Mrs. Bristle, pretty well the entire estate. When I saw the defendant’s name it looked familiar, and after a bit of Googling, I confirmed what I suspected: the defendant, Mrs. Bristle, was my former grade nine English teacher.
I remembered Mrs. Bristle very well. She was supposed to be teaching us the wonders of English literature, but what she really taught us were her rules, by which she meant her arbitrary whims, expressed in vague language, backed up by petty punishments for non-compliance. There was an art to getting along with Mrs. Bristle, and while most of the other kids learned it easily enough, somehow I did not. I have trouble learning unwritten rules, and in Mrs. Bristle’s class where unwritten and constantly changing rules were the order of the day, I didn’t stand a chance. Mrs. Bristle admonished me almost daily for ‘not paying attention’. I did detentions, re-wrote assignments, and made visits to the principal’s office, all because I apparently wasn’t listening, wasn’t doing what I was told.
Many was the time when Mrs. Bristle took me to task for missing some obvious but unstated part of an assignment. One time I handed in a sonnet, and received an “F” because the rhyming pattern was Petrarchan, not Shakespearean. But she would be nice to me, Mrs. Bristle would always say when she tossed my work back at me. She would give me another chance to hand the assignment in with the arbitrary changes she required, in the end giving me a good mark, but then heavily downgraded for being late.
Mrs. Bristle's case worked its way through the early stages, and every time I exchanged an email with her (for she was a self-rep, no need for counsel, she claimed) I thought about the unpleasant time I’d spent in her class. I had a rough time in high school, and I always resent anything that makes me dwell on it.
After a few months, the case was ready for the next stage. It was time to examine Mrs. Bristle, to find out why she thought her mother wanted to disinherit most of the family and enrich Mrs. Bristle alone. I showed up at the court reporter’s office early as usual, to get set up.
“What’s that shit eating grin on your face?” Adam asked. He was a lawyer colleague, about my vintage, and we were sitting in the lounge for lawyers only, the room that most court reporter’s offices have, a place for the lawyers to hang out and shoot the shit, no clients allowed.
“I’m going to examine my grade nine English teacher today,” I said, “and it's going to be fun.” I explained how she’d hated me back in the day, and had done her best to make my life hell.
“What’s the case about?” Adam said. Adam had been around the block, same as me, and it took only a few words for me to summarize everything that mattered in the file. “Estate fight, one sibling against four, undue influence, holograph will cutting out most of the siblings, competing with an older will, a formal one, where the shares are equal.”
Adam nodded appreciatively. “Nice fees, if the estate’s got the cash.”
“It does,” I said. We chatted for a bit, and then sat there in silence as we each did the last bit of prep for the cases we had that day, making notes, reading documents and drinking coffee. My alarm dinged just before ten, and I made my way to the examination room, and Mrs. Bristle, the teacher who’d greatly disliked the grade nine version of Calledinthe90s. I was curious to see if she would like the older version any better.
* * *
The examination started, and Mrs. Bristle and I sparred for a while, me tossing vague questions her way, and criticizing her when she did not understand. I kept her on the defensive for close to three hours, until it was getting on to one p.m.
“Aren’t you in a conflict or something?” she said to me just before the lunch break, when she’d finally made the connection, and understood that the lawyer asking her questions was a former student.
“No conflict,” I said, dismissing her concerns with a wave of my hand. “During the lunch break, there’s something I need you to do.”
“I don’t want to answer questions during lunch. I need a break.” The examination had been rough on Mrs. Bristle. She was not used to being asked questions, to being held to account, to being constantly challenged, and even having her grammar corrected now and again.
“You’ll get your lunch break. But while you’re eating a sandwich or whatever, keep this copy of the holograph will next to you.” The will on which Mrs. Bristle’s case relied was a holograph will, meaning that Mrs. Bristle’s mother had written the will entirely in hand from start to finish. The mother, or more likely, Mrs. Bristle herself, had downloaded a holograph will form from the web, and had completed it in accordance with the website’s instructions. Holograph wills are special. You can do a holograph will without a witness, without a lawyer, without anything at all, so long as you did it right. But if you got anything wrong, if you messed up in any way, it was invalid.
“You want me to read the will again over lunch?” Mrs. Bristle said.
“No. Instead, I want you to make a handwritten copy of it.”
“You want me to write it out? Whatever for?”
“There’s an allegation that the will wasn’t written by your mother, and that you wrote it up instead.” An allegation that I’d made up myself, that morning, while I was sitting in the lawyer's lounge, drinking coffee and munching on a muffin. My clients had not challenged the will’s handwriting; it was obviously their mother’s, totally different from Mrs. Bristle’s own writing. But I had decided otherwise.
Mrs. Bristle was appropriately outraged at being unjustly accused of forgery. Said she could prove it wasn’t her handwriting, could absolutely prove it.
“Then let’s settle the forgery issue once and for all,” I said, “write out the will in your own hand, so that our document experts can examine it, compare it with the original, and make a determination.”
“I don’t need the entire lunch break for that,” Mrs. Bristle said, “and I’d rather eat lunch at the restaurant downstairs.” The will was barely a page long, at most three hundred words, that being all it took for the mother to allegedly disinherit most of her children, and inexplicably leave everything to Mrs. Bristle. The mother had written up the will herself, but she’d been ninety at the time, while living in Mrs. Bristle’s house, and very much under her influence.
“I’ve retained five different experts,” I said, “and each of them will need copies.”
“Five experts? Why so many experts?”
“Each expert needs ten samples, for comparison purposes. It’s going to take you a while, Mrs. Bristle. I suggest you get started.” I overrode her protests and once she started to write, I left her in the room, and went to the lawyer’s lounge to eat their small sandwiches and drink more of the excellent coffee. After a while I stopped by the examination room to look in on Mrs. Bristle. I wanted to check in on her progress.
Mrs. Bristle asked for more time, complained of writer’s cramp, and asked me again if it was really necessary for her to write out the holograph will fifty times in her own hand, and I assured her that there was nothing for it, that it was absolutely necessary. I returned to the lounge to check my emails, leaving her hard at the homework I’d given her.
After a while my colleague, Adam, popped into the lounge. He asked me how it was going, the examination with the teacher, the teacher who had treated me so badly.
“I’m making her write lines.” Adam laughed, and laughed harder when I explained that I wasn’t kidding, that I really was making Mrs. Bristle write lines, and how I was doing it. His laughter attracted attention, and a few other lawyers asked what was up. “He’s making his teacher witness write lines,” Adam said, and the lawyer’s lounge hooted with laughter when I told everyone what was up.
It was one of the pettiest things I’ve ever done to anyone, making my grade nine teacher write lines. But the writing lines thing was just a warmup. The real revenge had yet to come. I returned to the examination room after a while, to check up on Mrs. Bristle, see how she was doing.
“This is taking forever,” she said, “and I really don’t get why you need it.” She had writer’s cramp, and was shaking her hand to get the kinks out. I picked up the stack of holograph wills she’d created, and flipped through it. She was nowhere near finished.
“On second thought,” I said, “maybe it isn’t necessary. I think you’re right. I don’t need any handwriting samples from you.”
“Why not?” she said.
“The will is invalid,” I explained, adding that because her mother had used a pre-printed form off the web, the law would not recognize the will. “A holograph will has to be entirely in the testator's handwriting,” I explained, “every single word entirely in handwriting from start to finish. This will doesn’t qualify, because your mother used a standard form, a form printed off the web, with instructions and boxes and questions and so on, and when you do that, then the will is no longer a holograph will. It’s a regular will, and regular wills need to be properly witnessed. This one isn’t witnessed, and that means it’s not a will. It’s just a piece of paper.”
“Are you trying to tell me that you only figured that out now? What kind of lawyer are you, anyways?”
“What kind of lawyer am I? I’m a lawyer who makes a witness skip lunch, and sit in a small room all alone, and write lines. Sound familiar, Mrs. Bristle?” She said nothing, and just stared at me. I closed the door on her, leaving her alone once more, and left for the Middle Temple Tavern where the lawyers all hung out. It was time to hoist a Guinness and enjoy my petty triumph.

I need a reality check here before I start reaching out to mortgage lenders for a pre-approval. I currently bank with NFCU. They are offering decent rates and don't require PMI, but I have heard they can be hard to work with. I know time in the market beats timing the market, so despite the rates I would really like to start building equity now, but I am not sure if we have the financials to do it.
Pertinent stats/facts
Ideal December move in, currently renting an apartment
26M, married to 27F, filing separately for student loans (more below)
Joint income $155k base $115k base stable W2, remote and looking to move to city of home office $40k stable W2, however is a state job so would need to find something similar before we move. Would be around $40-$50k in new state
770 and 790 FICO scores
Debts * $250/mo student loan *$279/mo student loan *$200/mo DEFERRED UNDER IDR and PSLF eligble hence state job, around 6.5yr until forgiveness *$50 Synchrony, $350 left *$150 NF CC, ~$2k balance *$35 Discover, $400 left
Cash on hand for down payment and closing cost should be $20.2k by end of month (trying to reach $25k by Aug but have had some setbacks with emergency vet)
Savings/Emergency fund $9.5k, trying to get to $11k by Aug. ~3 mo essential expenses
We are looking at homes around $325k and are shooting for a 5% DP
We are hoping, but not guaranteed, to be getting a ~$5k cash gift from MIL.
Overall I don't feel good about our emergency fund going into a house for the first time. I'm wondering if we should just settle for a 3% down payment for NFCU's ARM and start building out our emergency fund further, or keep pushing to reach $25k for a DP and CC. $25k should roughly be enough to cover a $325k house at 3% down and 3% CC overall
Please let me know what you all think, any advice is greatly greatly appreciated

I made a mistake. Got excited and decided to buy a business that I love. It was breaking even when bought with almost no effort, but its a month to month storage business so there's no inventory or employees. We financed the sale but used some cash to purchase 1/2 of it and are paying the building landlord (who also owned the business) a loan amount with interest, and also are financing the equipment within business (it'd be extremely hard to sell the equipment as it's heavy, big, and stationary.
Long story short, realized that we signed a lease for a rent rate that is too high. The business is doing OK but with the rent levels, we cannot make $. It's a 10 year lease.
I spoke to a 40 year commercial realtor (2 sq mile town) who owns her own business who was sympathetic and told me that my rent should be $17 a sq/ft at most ... I'm currently paying $20 ... next month it goes to $22.50, and within another 6 months it goes to $25. It's a 10 year lease...
At $20 we are falling behind with bills being higher than expected among inflation etc.im taking no pay check and am running very lean.
We discussed selling, but like I said we have no inventory, equipment, etc that we can sell.
Question: 1) if we sell, who would buy the business with such a high lease rate? - means we are stuck right? It's zoned for a specific purpose.
I spoke to the landlord and he doesn't seem to want to budge (obviously)
What would you do? What are my options. So embarrassing.

Edit: false alarm. Thank you for everyone's input!
FIRE was a goal for a while and during the pandemic I had lost sight of the goal and went into autopilot for a few years to be with family.
Now that I’ve tried to restore some normalcy to my life, I sat down to look at my finances again (after 3 years) and I think I’ve hit FIRE while I wasn’t paying attention. I’m still in shocked disbelief.
Someone sanity check me. I must be missing something. (Or where can I find a financial advisor or someone to vet this) I apologize if the formatting is terrible. I’m on my phone. I just needed to get this off my chest.
Average Monthly expenditures: $6500
Property Val: ~$1.6M Debt: ~500k Retirement accts: ~$710k Stock/Trading/cash: ~820k
I don’t know how I feel about quitting though. I kinda like my job, and it pays well without asking too much from me (since I’m browsing Reddit while at work)
Thank you in advance for your advice!

Since they have way more self checkouts than open lines with cashiers, and now they're making anyone with 25+ items (probably a lot of the people shopping) and since the self checkouts don't take cash, that's even more people clogging up the lines for people who want to use a checkout with a cashier. I kind of assumed they just couldn't take cash but all the self check outs at the dollaramas in my city take cash and give change. I'm wondering if there's an actual reason it's not the same for grocery stores?

Hi all, I’ve started cloth diapering and think I’ve settled on LPO pockets for now - my husband seems to like them too.
I have a few questions though if anyone can shed some light?

1. I’m thinking of buying hemp inserts to double up with the ones they came with.

I see LPO sells hemp inserts but I’ve heard good things about Thirsties cotton/hemp. From what I can tell, they’re pretty much the same except size? Has anyone tried LPO hemp inserts? Are they good? I’m placing an order there anyway so I’d prefer to just them there if they’re just as good!

1. I’m also considering just buying FSTs and pad folding around the current insert instead of hemp. Would that be just as good?
   
2. What would be a good combo for overnight? My 4mo old baby currently wakes up every 3-4 hours for food, with a 4-6 hour stretch for the first stretch. I’ve seen people recommend a GMD cotton prefold with a hemp insert, or a microfiber + bamboo + hemp insert. I’m trying to not have to buy too many things if I don’t need to. Ideally I’d like to buy something that’ll help him last all night for when we eventually get there. What has worked for you?
   
3. And bonus question… if FSTs are a good idea, I’m in Canada and struggling to find affordable FSTs as it doesn’t seem Walmart sells them here. At least not the last time I checked a few months ago. If you’re Canadian, where did you get your FSTs?
   

We currently live just outside of Boston and are considering moving back to the midwest, specifically the Green Bay, WI area. We have $100k saved for a downpayment, closing, and moving expenses along with $30k in savings. We are looking at houses in the $330k-$425k range. I've never owned a home, but my wife did and sold it 5 years ago (I wasn't on the paperwork/mortgage and she owned it prior to us getting married).
Question #1, would I/we still qualify as FTHB's?
I will be contacting two local (Green Bay) mortgage brokers, along with our CU in WI who we are still a member of, as well as 1-2 national lenders. We have zero debt, very good income, and credit scores in the 740-790 range, depending on the credit bureau, so getting pre-approval will not be an issue.
Questions #2 & #3, is this too many lenders to reach out to? Are there any national lenders who have better ratings/service?
As for realtors, I have a recommendation from a family member for a realtor who's in the next large town over (30 miles) away. My employer also has a benefit, Real Estate Advantage through Coldwell Banker, where they will match you with a local realtor, recommend lending, and offer a cash rebate or credit on closing costs at closing if we use their realtor.
Questions #4 & #5, is the family recommended realtor considered "local" enough? It would be great to have access to homes for sale that aren't necessarily on the market or listed yet, which is something that the Coldwell Banker people were touting on their webinar. Does anyone have any experience with programs like Real Estate Advantage?
Since we are 1200 miles away, we really don't have the ability to view any homes we are interested in person. Yes, some that I've looked at have virtual tours they can do, and we do have some family who would be willing to check a few places out. We'd obviously fly out to view it in person prior to closing. However, because of this, I'm thinking that we can't take the risk of waiving inspection, which may put us at a big disadvantage since the last 3 houses I've been watching went under contract in less than 3 days and I can only assume that the buyers waived everything to get the win.
Question #6, does anyone have any recommendations or things we should consider why trying to purchase a home long distance?
Anyway, thanks in advance for any advice you may have to offer!

Debit/Credit Cards Accepted No Closing Costs Cash Price: $1,950 Finance with $200 Down and 18 Payments of $125 Per Month No Credit Check, No Income Documentation, No Prepayment Penalty 

When renewing my food stamps I also applied for pregnancy Medicaid and temporary cash assistance. It says the application was completed on April 25th and to check my notices for more info. I did not receive any notices about eligibility or anything at all regarding those two benefits. When I go under benefits it says nothing about temporary cash assistance but under Medicaid all it says is "verification needed" how do I verify myself with no notices or instructions from Florida DCF?

At the time of this post 145 thousand people are still without power going on almost 6 days without power. Tornado wiped out our power grid in select areas throughout Texas (I believe the number was about 800 thousand people got hit without power). Here's some things I learned and a situation report of my experience living with a very large family of mixed ages.
Context: We had been getting hit with some pretty gnarly weather however business as usual in Texas. I didn't think much of it usually when our grids down they're pretty quick to respond minus the snow storm years back. So when I heard there was a storm brewing I didn't even flinch I always keep some very very basics, battery's, lights, water, 2 weeks minimum of non perishable foods, self defense protection, and ammo, etc. But I hardly consider myself a prepper anymore, but I know some people don't even have that.
I use to be really on top of my preps overtime, however my stockpile had dwindled, as did my thirst for knowledge and hands on experience/training. I just honestly wasn't on top of my game anymore, and quit taking this as serious years ago. This tornado really brought me back to reality, so this post is mostly for entry level preppers looking at some practical advice from a 5 day experience, I fully regret the fact I quit taking this serious years ago.
First Day: Around 6pm, emergency alert on phone stating tornado in your area, seek shelter immediately. Thought ok let's shelter in the master bedroom closet. Wind rocked the house pretty good, could hear limbs from tree's falling, within about 10 minutes the power shuts off, and glancing outside within a hour the streets flooded. The storm had died down, as did the flooding, and it was time to asses the damage in the immediate area. Got in the car, power had blown out pretty much every store/house within a several mile zone. Found one square zone with a few places that had power, got some fast food but waited about 30 minutes because everyone went there.
What I wish I had on day one/ and general notes:
Rain boots: The streets had not only flooded but was blocked by limbs in the roadway. Luckily our flooding wasn't too severe but had it been I wish I did have rainboots so normal shoes didn't get soaked, or some type of beach sandals, etc.
Chainsaw, electric saw, axes, regular saw: Would of come in handy if the limbs in our area blocking the road were any bigger.
Higher up vehicles: Some vehicles couldn't make it through the flood due to being so low to the ground, so take into account your vehicles.
More variety of quality flashlights: Electric Lanterns came in clutch, but wish I had more handhelds, head mounted, and higher end lanterns.
Battery Inventory checks: Wish I had not only more batteries cause you really do burn through these quick, but wish I had checked all my lights battery condition, and stored new batteries in waterproof containers.
Alternative sources to battery's: Not a huge fan of candles due to fire risk, but some not scented beeswax or soy based candles would of came in handy to help ration battery supply. Maybe glass lanterns as well for safety and ease of transport. Glowsticks would of been great option too.
Car chargers: Believe it or not some of us didn't have car chargers for our cell phones cause we mostly charge our phones at home, although we were able to share, wish we had this on day one for all our phones.
Fully charged portable battery bank, or portable phone chargers: If we had this we wouldn't of been out in our cars late at night charging stuff putting us at more risk for being possible victims to crime.
Quality of cell phone, and cellphone provider: Have a POS phone but keep putting off upgrading it? Don't. Luckily mine was good but some of our cellphone providers carriers had better signal then others, some of are phones were in bad shape and it was noted we wish we didn't put off upgrading it sooner. You can't predict how well your provider will do but maybe do your research, unsure how this works but now I can do my research and learn from it. I had 0 issues with boost mobile but other family members weren't so lucky.
Cash: This is obvious but due to us moving towards a cashless society its pretty uncommon, but this would of came in handy due to how many places didn't have power. You can do so much with cash.
Battery powered or rechargeable camping fans: I did have one of these, it even had a light but wish I had more.
Larger ice chest: Now we had a few, but they were smaller. We lost everything in our fridge/freezer besides canned drinks, I mean everything. We had just bought grocery's too, lesson learned.
OTC sleeping medication: We had melatonin, and Tylenol pm, but it was so quiet you could hear a mouse sneeze a block over, until the generators turned on. First two are OK options but given its only going to be cool at night, and we knew tomorrow would be hot, we took kratom to sleep. Check your area some states it's illegal, not recommending it but it's what we used. I wish I had stockpiled more kratom, I took it when I got the flu on top of C word to relieve body aches and found out it really helped me sleep and ease pain/stress. Usually cycle this 3 days on max, one day off to prevent habit forming.
(This is really for day two + but ill post this here cause I noticed it on day one)
Backup supply of my personal vices or quitting personal vices: I know this may sound stupid but I am fully addicted to caffeine, and nicotine. I picked my poison and know what I signed up for. Caffeine really? yeah really not sure if you know this but for some people caffeine withdrawal can make you really suffer, and I mean really suffer check out decaf. I was in the process of lowering my caff intake to 1 cup of tea a day, and quit soda. Was one month off soda before the storm came in, but had to relapse due to us not carrying high caff tea on supply.
But yeah stock up on your vices so you aren't going through withdrawals during an emergency. Was on 3mg per ml of nicotine and had to dish out 30$ for a disposable vape thats 50mg per ml at a gas station on day two to prevent withdrawals. So I was on way higher dose of nic then usual due to only being able to purchase what I could find, for reference 50mg per ml if you use that in 10 days thats about a pack of ciggs worth of nic per day. So yeah either quit your vice or stock up, I don't advocate hard drugs at all so this isn't for that but this is mainly aimed at coffee/caff use, etc. Instant coffee packs may be great for some people.
Battery powered radio: Can't stress enough how mentally taxing silence can be long term. We had one, but the battery port crapped out. Lesson learned, test your preps.
Backup food for your pet friends: Luckily I was pretty good on pet food but imagine if I wasn't, and this was more severe.
Water situation: Had a decent amount of drinking water, we had running water. If we didn't I would say I wish I had filled up the giant jugs I bought for flushing the toilet/doing dishes or running through a berkey water filter if we ran out of drinking water. I had bought 5 gallon blue jugs specifically for this years back. However I cleaned them out, and didn't refill, Lesson learned.
2nd Day: We were able to cook some stuff on a gas stove, luckily. People at gas stations were stocking up on ice, filling their gas cans up for their generators, and shelves were getting empty at stores with power only on some things though wasn't too bad cause the power outage was scattered some had power, others didn't. Mostly a waiting game at this point, most of the preps I wish I had on this day were the same as day one, but ill toss in some stuff I wish I had. Obtained a portable battery powered radio, the morale boost was real for everyone, even the dogs.
What I wish I had on day two/ and general notes:
BBQ style lighters to light gas stove: We had two but recently tossed em out due to being empty. Realized I had no bics, and only had one box of matches, feels bad man.
Entertainment: Board games like checkers, board games for kids, chess, basic poker set, etc. These would of been awesome and a great way to keep the kids entertained and the adults, the boredom was real. We hit local goodwill's that had power to look for radios, and cheap prep supplies and games, but no luck.
Third day: By then reality set in for most people, neighbors who could afford to do so booked hotels or bugged out to places with power. The generators really started up by day three, everyone was buying gas for them and you could hear them in almost every direction. Pretty sure some people had it from the start but noticed them more by day three. A lot of people were sitting outside the front of their homes trying to escape the heat. Ice from most places were completely sold out, so you had to really shop around to find any.
Finding news about the power outage day 1-3 was kind of hit and miss, KHOU news updates were pretty short and it took us some time to know how severe the storms damage actually was, cause we were focused on trying to get stuff done around the house and conserving battery. I believe at one point CenterPoint's actual website went down. Mostly resulted to local news channels, and nextdoor app. We couldn't watch live news and had to rely on when KHOU posted youtube videos.
Private security company's hired guards and they started patrolling certain stores that could afford the security, obviously to deter looters. Traffic everywhere was insane in every which direction during peak hours more then usual, PD presence was pretty high, more then usual.
What I wish I had on day three/ and general notes:
Generator: Pretty obvious why, had no experience with them but wish I did, and wish I bought one pre-blackout when I was more into prepping and took time to learn about them and how to use and maintain them properly.
Ham radio: Or something to pick up on local freqs to monitor radio comms for information regarding the storm and local activity if any. I think this may of been better then waiting on local news to post videos.
Day Four: Buddy had power so he dropped off his generator and gave me quick instructions on how to run it, how far away to place them, etc. By day four the temps really ramped up, and this thing definitely kept us cool. When you think of bartering you think of some post apocalypse stuff, but no. In reality you can barter during any emergency, buddy dropped it off free of charge but was able to offer some booze as a thank you. So even if you don't drink stock up on booze/ciggs to barter, never know what you might trade it for. Times are tough in this economy and I honestly didn't have much money to spare, family had to pool our funds together to get last minute preps to survive this, cause we didn't know how long this would really last. In certain areas they said it could be weeks. However the alcohol was a small thank you that I could afford and he was happy so all worked out.
Gas cans were sold out, and extension cord supply's were looking extremely low at local hardware store. From what I overheard they also completely sold out of generators. Honestly wish I knew more about electrical stuff but my buddy gave me a small crash course in wiring everything. You can't just plug it in and pray for the best. Bought the best gauge extensions cords I could afford for our needs, and the distance and hooked it up.
We ran one bedroom AC unit, fans for the dogs, wired a light, and a charging station. Also don't cheap out on gas cans it's not worth blowing your face off or starting a fire, or having it leak. If you get a generator do your research on how to properly run it, and safely fill it. Crime in this area can be fairly high we've had a few drive by shootings and other not so good police involved things. Read this book along time ago about post collapse security, so I blacked out our windows so when we turned lights on no one knew we had power. You may hear the generator, but from the street we look like we don't have anything going for us. My biggest fear was looters from people who were less fortunate or really down bad. We near a common site for homeless people as well so they foot traffic the area.
Generators are very loud, between that and listening to the radio 12 hours a day, I was beginning to audio hallucinate lyrics that weren't there with the radio off, and suffered from heat exhaustion. That and the fact we had homeless in our area and tweekers who might loot I was running off adrenaline a bit. 24 hours almost that night without sleep, and didn't even feel tired. Slept near my firearm until my family woke up at daylight and when daylight hit I knew we were in the clear and I passed out.
What I wish I had on day fou and general notes:
Knowledge of generators.
Knowledge about electricity/wiring them safely.
Security: Some type of physical alarm bell to put on the door like metal door knob alarm bells so it jingles if anyone enters to alert the dogs, had to keep the door slightly cracked so the wires hooked up to the generator would fit. So we couldn't lock the door, which is probably where my anxiety of tweekers coming in came from.
Day Five: Same shit different day, power came on that evening.
Conclusion: Just cause it doesn't look like societal collapse or WW3 prep your shit for emergency's native to your area or go beyond, idc but prep. They ain't coming to help for awhile, or at all if it's very severe...so it's up to you and your community to pull through. This was a wake up call, thanks for coming to my prep talk.

Hello everyone,
We're a young maried couple who's going to visit some places in Japan during June. We want to share the itinerary with you and ask for some feedback. We also have some questions and if there are any tips and tricks to be shared please do.
Osaka - (08th - 12th of June) - Staying in Namba neighbourhood

• 08th of June - 17:00 Arrival;
  • Relaxing and walking around, looking for dinner with good food( Do you got any recommendations?)
• 09th of June:
  • Planning to visit Osaka, are there any must see spots?
• 10th of June:
  • Day trip to Nara;
• 11th of June:
  • Universal studios(We're in trouble buying tickets using Visa and MC cards)
    • (Will we have time to do anything else besides visiting Universal studios?)

Feel free to advise on any places that serve great foods around Osaka ( maybe some place with Kobe :) )
Kyoto - (12th of June - 14th of June)

• 12th of June - Arrival after lunch and check in at the hotel;
  • Visiting Kyoto fish market!
  • Is there anything that can be visited for just 2-3 hours?
• 13th of June (Is it doable to visit all these in one day?)
  • Visiting Fushimi Inari Shrini in the Morning;
  • Monkey Palace visit;
  • Kinkaku-ji Temple

Tokyo - (14th of June - 19th of June)

• 14th of June - Visiting Shibuya District & Shinjuku;
  • Any recommendations for must see places?
• 15th of June - Visiting Ginza district + Teamlabs Planets (Is it worth to go to the Teamlabs Borderless?)+ Tokyo Fishmarket
  • For evening do you recommend any nice bars or rooftop bars?
• 16th of June
  • Visiting Mori Art museum and Observation Deck & Imperial Gardens
  • Explore Asakura;
• 17th of June - Is it worth to go to Mt. Fuji - For this day we don't have any plans, we're looking for recommendations;
• 18th of June - Shibuya Shopping District before going home

Any from the above can be adjusted, so feel free to address your feedback.
Quick Questions:

1. Japan Rail Pass increased a lot in price and we were wondering if it worth to buy it, or it will be cheaper to buy directly each train ticket.
   
2. Will Japan Rail Pass grant you fast lanes or any other advantages?
   
3. Will we have trouble with MC and Visa cards there?
   
4. Should we have more cash than money on the card?