I’m nervous as to whether or not I passed. I studied probably no more than 200-250 hours, if that, and I didn’t go over the ethics material at all. But hear me out.
Took a look at the mock exam, but didn’t really sit down and actually attempt it properly, just skimmed through 2/3’s of the first 90 questions on LES. I did study the make-up of ethics questions for a solid 30 minutes, but this was all the night before the exam so I chose to allocate my time elsewhere, which ended up being a good investment decision.
I have a BBA in Psychology, but have worked at a BrokeDealer since 07/2022, and got my SIE, Series 7, Series 63 out of the way that year, first try. I listen to podcast and have always done additional research on the market/global and domestic economy. Still, a ton of new info in CFA program.
When studying, I didn’t study in preparation for the test. I didn’t really think about the test when studying at all. I just read through the material and tried to learn it the best I could in the way I saw most fit for myself.
I felt very unprepared for the Exam, I only skimmed through 2/3’s of the first 90 question mock, and didn’t read the ethics section at all.
When taking the exam, I felt like it was way easier than expected, and was honestly a little disappointed that it wasn’t harder. I don’t think I crushed it, but I feel there is a very low chance I got <70, feel more like my range is 75 But with how I felt coming into the test, having not slept the night before, only finishing all material (except ethics) just a couple days before, I feel like I could be overconfident or completely missing something. People tell me I’m incredibly smart, and I’ve heard from people who know me that they don’t think I need to study the full 300-350 hrs recommended, but they also don’t know how much shit is on there man, and I don’t think I’m a genius who can just beep boop bop retain everything. I have always been good at math though and do like Poker statistics/probabilities so the quant section was good for me and I made it my mission to understand all the mathematical formulas in the curriculum. This partially extends to ROE and decomposition of, but most other accounting formulas I forgot.
But I understand all underlying concepts well and felt I was able to figure quite a bit of stuff out mid exam.
I did flag the questions I was unsure of. Basically anything I wasn’t absolutely certain about. I didn’t get a chance to go back and look at all the ones I flagged, but if I had to guess, I’d say I ended with 30-40 flagged in part one and about the same for part two. I carefully read each question and was very thorough with each one. Sometimes I spent too long on a question because I was having fun figuring it out, and felt comfortable on many others leading up to that one, which is why I didn’t have time to go back.
Now, this is the fun part. I felt like I was completely unsure on no more than 1/5 of the ones I flagged. I didn’t know those at all. I have a 33% chance of getting those right. The other 4/5ths, I feel like I at least eliminated one answer choice, confidently, giving me at least a 50/50 chance of getting those question right. But out of that 4/5ths, I think at least 1/2, or 2/5ths of the questions I really had some knowledge that pointed me to the right answer out of the two choices I had left, after eliminating the prior. I think this gives me a bit above 50/50 odds, putting me at 67% chance (more or less for some, but ya know, hard to quantify and don’t want to oveunderestimate the advantage given by knowledge).
So, I did the math: a range of 60 unsure questions to 80 unsure (30part1+30part2, 40+40)
Lower Level (Wrong Answers): 60/5=12 1267%= 8 2450%= 12 24*33%= 8 28 wrong out of 180; Score: 84.44%
Upper Level (Wrong Answers): 80/5=16… Rounding up on all decimals 1667%= 11 3250%=16 32*33%=22 49 wrong out of 180, score 72.77%
I really don’t think I was unsure about 80 questions, but also, idk, because I hadn’t slept and had tunnel vision, and I was already worried, and I’m unfortunately and fortunately aware of all the biases I possess. Curse my psychology BBA. I know I just need to wait, but dang dude. I’m stressed.
Backstory on why I couldn’t study more:
I had to unexpectedly move in January because our apartment had black mold and other toxic molds resulting from lackluster apartment maintenance.
The management team was not willing to pay for our move and withheld funds from us that I figured we were entitled to, so I had to scan the state property code, cite it to them, act accordingly, etc. Ended up getting a lawyer. Still dealing with that.
Found out my brother-in-law was hitting my sisteniece during that time so had to deal with that (didn’t deal with him as I would’ve liked, no crimes committed). CPS called by someone else and then I was blamed by my sister who cut off communications with my family.
Found out my girlfriend of 20 months now has or had HPV and CIN3 cervical dysplasia, precancerous cells at the most severe stage before becoming cancerous, and a whole bunch of other scares around that.
Two family weddings to attend, both out of town. Cousins wedding was on May 3. My test was May 15th, 830 a.m.
Sister-in-law (I will be proposing to gf soon) Graduation to attend on May 10th in Washington DC. I live in Dallas, Texas. Flew out on the 9th, got back on the 12th.
Night of the test, I realized I needed my passport, which I hadn’t seen in months!!! Looked for it in my house, couldn’t find it. After studying an all nighter, left for my parents at 7-715am. Test at 830am. They live 20 minutes away. Testing facility 40 minutes with traffic from my parents. Found the passport, luckily, around 752am. Left. Took express lanes and went above the speed limit. Walked through the doors at 8:32am. Adrenaline flowing. Caffeine kicking. Took the test. Went full tunnel vision. But I really had a good time taking the test, I will say. I did almost piss myself in the last 15 minutes of part 1.

https://preview.redd.it/ftjlx51q0u1d1.png?width=1140&format=png&auto=webp&s=47a71d7425b298af5a16465f54caaa2fb5d1f49a
MUKURO IKUSABA's INTERATIONS WITH CLASSMATES:
5 EVENTS IN TOTAL: MAKOTO (1 UTDP, 4 DRS), JUNKO (4 UTDP, 1 DRS), AOI (2 UTDP, 3 DRS)
4 EVENTS: SAYAKA (2 UTDP, 2 DRS)
3 EVENTS: KYOKO (3 UTDP)
2 EVENTS: KIYOTAKA (2 DRS), BYAKUYA (2 DRS), YASUHIRO (2 DRS)
1 EVENT: LEON (1 DRS), CHIHIRO (1 DRS), MONDO (1 DRS), CELESTIA (1 DRS), SAKURA (1 DRS), TOKO (1 DRS), GENOCIDE JACK (1 UTDP)
NEVER INTERACTS: HIFUMI
Conclusion: Mukuro's favourite students are Makoto (her crush), her sister Junko (who verbally abuses her and makes attempts on her life for fun because that's how Junko is), and Aoi (her bestie in this universe, they eat Teruteru's beignets together, play sports together, swim together, Aoi wants to go clubbing with her after graduation). Second place belongs to Sayaka (she admires Sayaka's singing), with Kyoko (she partners with Kyoko for sports, with Kyoko noticing that she is unusually athletic for a supermodel + she wants Kyoko to go to Hina's party with her) taking the third place. Outside of Class 78, Mukuro's best friends are Peko (fellow super-devoted fighter girl. They bond over being camera shy and Mukuro admires her swordsmanship), Akane (fellow athletic girls. Akane doesn't know her true identity, but her gut sense tells her that she is a worthy opponent) and Himiko (she tries to encourage Himiko to work out and helps her out when she accidentally drops her prop peach for the Momotaro play onto an audience seat. She doesn't believe in Himiko's magic, though, and wants Kyoko to make her realise that her magic isn't real)

I’ve never done this before so bear with me. Backstory – I M35 and my brother M23 have a big age gap so we grew up in very different lifestyles. We have always been close, and I loved having a little brother when I was younger, but we didn’t really become close friends until he was near an adult. When I say that we grew up in very different lifestyles I mean that I grew up with my parents getting divorced, and my mom marrying a new person my step father. Soon after that my brother was born. I always wanted a little brother, just ask my little sister lol. He was really the glue that kept me wanting to be around, and be a part of the family as I was not always the best behaved teenager especially with my stepfather. As I grew and my stepfather did we also became close. Looking back now we can both admit our faults for him inheriting a 12 year old and being a first time parent to me also having my bio father still around. My younger brother was always the glue that made me want to have a better relationship with our family. My brother has never known anything else besides the family unit that we still have today. I left the area to go to college, and chose to follow my passion for a career which unfortunately put me in a situation where I was struggling financially and moving a lot. He went to the local college and lived at home. He wanted to be a lawyer, and didn’t want to leave home.
Now when it came time to add people to our family (spouses) we also went different routes. I wanted to wait til I was in a financially stable point in my life before I proposed to my girlfriend (now wife), and my brother got married very young to his high school girlfriend just as he was graduating college. I only bring this up because they got engaged not long after we did, and before our wedding. He told me and my fiancé at the time about it, and we were very surprised. Not because he was going to propose, but because he had never lived anywhere except out parents house even thru college, and his girlfriend at the time also never didn’t live under her parents roof. That’s really where this kicks off. My brother was suppose to graduate and go to law school anywhere he wanted with my parents support, but he was feeling pressure from her family. Everyone tried to tell him to take his time, and no hurry to get married. This is opposite of his girlfriends family who all got married young including her siblings (most divorced as well), and they were feeling the pressure so they got married right away. My wife who has meshed super well with my very large family was a little annoyed at this, but I reminded her that my brother was one of the sweetest people, and means no harm whatsoever. She agreed as she had a very good relationship with both of my siblings. The first issue that came up was apparently my fiancé not asking my brothers girlfriend (soon to be fiancé) to be one of her bridesmaids. Nobody expected her to be asked apparently except her and my brother. He on the other hand was my best man. My wife however is a very loud, outspoken, and relatable person who wears her heart on her sleeve so she fit extremely well in my big Italian-American family. My brothers wife however is the opposite, very quiet and could be a little awkward around big loud groups, which my family is. They had very little relationship, and my wife has a very small friend group so we had a small bridal party to begin with. So its not that they didn’t get along I just wouldn’t call them friends. After our wedding where my parents were extremely involved in every decision we made there was a contrast, and the first time where we noticed an issue. My brothers wife would never talk to my mother, and would leave her out of a lot of the wedding planning, which was hard for her because my mother and stepfather were fronting the bill. She would only communicate thru my brother, and caused a lot of tension with the family. Also during this time my sister was very pregnant, and thru my brother again was being made to feel very bad for missing the wedding because she had just given birth 2 weeks prior to the date. So there has been tension for the past couple years stemming from this, and a similar situation with their baby shower after they welcomed their first child. My mother, and my sister were very hurt, but never wanted to cause issues with my brother and his wife. The other tension stems from them making decisions with no regard for the outcome. Everyone tried to tell them not to get married so quick (they did), everyone told them to just wait til he was done with law school to buy a house (they did), everyone told them to not have kids until they were in a better place (they didn’t), and my parents have been helping them financially to make sure they survive. This has caused my parents to push back their retirement plans, and they don’t really get to see their grandson as much as they would like, because they have become much closer to his in-laws.
Now to the recent happenings, me and my wife decided that we wanted to start trying to have kids, and we struggled to do so. My wife was having previously unknown complications that made it hard for us to conceive. This was a struggle, but we worked together to make it happen. What made this all the crazier was that we found out she was pregnant the day after I had just gotten a new job. Crazy story, but I had to move immediately and leave my wife behind to follow in a couple months. We told everyone because we were so excited, and facetimed all of the family together to tell them. Similar to what my siblings did when they had their children, and my sister was also getting married and my wife was a bridesmaid so we did not want to steal any of their thunder during their wedding. There were little issues leading up to the wedding between my sister and my sister-in-law including them not liking their table and requesting my sister move them two days before the wedding. Because they were both bridesmaids and different personalities they butted heads a little bit, but nothing big. That is until I overhead my sister-in-law talking shit on my wife to some family friends, which pissed me off, but I didn’t make it a big deal. My wife was hurt, but not surprised. Also in the week of the wedding we found out that we were having a little girl (the first one), and everyone was very excited. Especially my wife. We didn’t make a big deal about it, but had an amazing time at my sisters wedding. Because of me having to travel back to work we left early the day after the wedding. What we didn’t know was that my brother and his wife were going to announce their 2^nd child the day after the wedding. We didn’t know, and they did a very elaborate announcement for my parents and my sister. What I got was a text message the next day to just let me know. My wife was extremely hurt by this, and I chose to confront him about it. Its hard enough for my wife to be by herself, pregnant and away from family, but she truly does view my family as hers. I chose to confront my brother about it, and what I got was a very half hearted apology, with petty shots about us not telling them we were having a girl but that was not the reason according to them that we were not included in the announcement. Now everyone is picking sides, and fighting about it. AITA?

Delivering the commencement address to the graduating seniors at Morehouse College today, President Joe Biden addressed the nation. After thanking the mothers, fathers, grandmothers, grandfathers, and all the people who helped the graduates get to the chairs in front of the stage, Biden recalled Morehouse’s history. The school was founded in 1867 by civil rights leader Reverend William Jefferson White with the help of two other Baptist ministers, the Reverend Richard C. Coulter and the Reverend Edmund Turney, to educate formerly enslaved men. They believed “education would be the great equalizer from slavery to freedom,” Biden said, and they created an institution that would make the term “Morehouse man” continue to stand as a symbol of excellence 157 years later. Then Biden turned to a speech that centered on faith. Churches talk a lot about Jesus being buried on Friday and rising from the dead on Sunday, he said, “but we don’t talk enough about Saturday, when… his disciples felt all hope was lost. In our lives and the lives of the nation, we have those Saturdays—to bear witness the day before glory, seeing people’s pain and not looking away. But what work is done on Saturday to move pain to purpose? How can faith get a man, get a nation through what was to come?” It’s a truism that anything that happens before we are born is equidistant from our personal experience, mixing the recent past and the ancient past together in a similar vaguely imagined “before” time. Most of today’s college graduates were not born until about 2002 and likely did not pay a great deal of attention to politics until about five years ago. Biden took the opportunity to explain to them what it meant to live through the 1960s. He noted that he was the first in his family to graduate from college, paid for with loans. He fell in love, got a law degree, got married and took a job at a “fancy law firm.” But his world changed when an assassin murdered the Reverend Dr. Martin Luther King—a Morehouse man—and the segregated city of Wilmington, Delaware, erupted with fires, looting, fights, and occasional gunfire. For nine months, the National Guard patrolled the city in combat gear, “the longest stretch in any American city since the Civil War,” Biden recalled. “Dr. King’s legacy had a profound impact on me and my generation, whether you’re Black or white,” Biden explained. He left the law firm to become first a public defender and then a county councilman, “working to change our state’s politics to embrace the cause of civil rights.” The Democratic Party had historically championed white supremacy, but that alignment was in the process of changing as Democrats had swung behind civil rights and the 1965 Voting Rights Act. Biden and his cohort hoped to turn the Delaware Democratic Party toward the new focus on civil rights, he said. In 1972, Biden ran for the Senate and won…barely, in a state Republican president Richard Nixon won with 60% of the vote. Biden recalled how, newly elected and hiring staff in Washington, D.C., he got the call telling him that his wife and daughter had been killed in a car accident and that his two sons were gravely injured. The pain of that day hit again 43 years later, he said, when his son Beau died of cancer after living for a year next to a burn pit in Iraq. And he talked of meeting First Lady Jill Biden, “who healed the family in all the broken places. Our family became my redemption,” he said. His focus on family and community offered a strong contrast to the Republican emphasis on individualism. “On this walk of life...you come to understand that we don’t know where or what fate will bring you or when,” Biden said. “But we also know we don’t walk alone. When you’ve been a beneficiary of the compassion of your family, your friends, even strangers, you know how much the compassion matters,” he said. “I’ve learned there is no easy optimism, but by faith—by faith, we can find redemption.” For the graduates, Biden noted, four years ago “felt like one of those Saturdays. The pandemic robbed you of so much. Some of you lost loved ones—mothers, fathers, brothers, sisters, who…aren’t able to be here to celebrate with you today…. You missed your high school graduation. You started college just as George Floyd was murdered and there was a reckoning on race. “It’s natural to wonder if democracy you hear about actually works for you. “What is democracy if Black men are being killed in the street? “What is democracy if a trail of broken promises still leave[s]…Black communities behind? “What is democracy if you have to be 10 times better than anyone else to get a fair shot? “And most of all, what does it mean, as we’ve heard before, to be a Black man who loves his country even if it doesn’t love him back in equal measure?” The crowd applauded. Biden explained that across the Oval Office from his seat behind the Resolute Desk are busts of Dr. King and Senator Robert Kennedy, challenging Biden: “Are we living up to what we say we are as a nation, to end racism and poverty, to deliver jobs and justice, to restore our leadership in the world?” He wears a rosary on his wrist made of Beau’s rosary as a reminder that faith asks us “to hold on to hope, to move heaven and earth to make better days.” “[T]hat’s my commitment to you,” he said. “[T]o show you democracy, democracy, democracy is still the way.” Biden pledged to “call out the poison of white supremacy” and noted that he “stood up…with George Floyd’s family to help create a country where you don’t need to have that talk with your son or grandson as they get pulled over.” The administration is investing in Black communities and reconnecting neighborhoods cut apart by highways decades ago. It has reduced Black child poverty to the lowest rate in history. It is removing lead pipes across the nation to provide clean drinking water to everyone, and investing in high-speed internet to bring all households into the modern era. The administration is creating opportunities, Biden said, bringing “good-paying jobs…; capital to start small businesses and loans to buy homes; health insurance, [prescription] drugs, housing that’s more affordable and accessible.” Biden reminded the audience that he had joined workers on a picket line. To applause, he noted that when the Supreme Court blocked his attempt to relieve student debt, he found two other ways to do it. He noted the administration’s historic investment in historically black colleges and universities. “We’re opening doors so you can walk into a life of generational wealth, to be providers and leaders for your families and communities. Today, record numbers of Black Americans have jobs, health insurance, and more [wealth] than ever.” Then Biden directly addressed the student protests over the Israeli government’s strikes on Gaza. At Morehouse today, one graduate stood with his back to Biden and his fist raised during the president’s speech, and the class valedictorian, DeAngelo Jeremiah Fletcher, who spoke before the president, wore a picture of a Palestinian flag on his mortarboard and called for an immediate and permanent ceasefire in Gaza, at which Biden applauded. “In a democracy, we debate and dissent about America’s role in the world,” Biden said. “I want to say this very clearly. I support peaceful, nonviolent protest. Your voices should be heard, and I promise you I hear them.” “What’s happening in Gaza…is heartbreaking,” he said, with “[i]nnocent Palestinians caught in the middle” of a fight between Hamas and Israel. He reminded them that he has called “for an immediate ceasefire…to stop the fighting [and] bring the hostages home.” His administration has been working for a deal, as well as to get more aid into Gaza and to rebuild it. Crucially, he added, there is more at stake than “just one ceasefire.” He wants “to build a lasting, durable peace. Because the question is…: What after? What after Hamas? What happens then? What happens in Gaza? What rights do the Palestinian people have?” To applause, he said, “I’m working to make sure we finally get a two-state solution—the only solution—for two people to live in peace, security, and dignity.” “This is one of the hardest, most complicated problems in the world,” he said. “I know it angered and frustrates many of you, including my family. But most of all, I know it breaks your heart. It breaks mine as well. Leadership is about fighting through the most intractable problems. It’s about challenging anger, frustration, and heartbreak to find a solution. It’s about doing what you believe is right, even when it’s hard and lonely. You’re all future leaders, every one of you graduating today…. You’ll face complicated, tough moments. In these moments, you’ll listen to others, but you’ll have to decide, guided by knowledge, conviction, principle, and your own moral compass.” Turning back to the United States, Biden urged the graduates to examine “what happens to you and your family when old ghosts in new garments seize power, extremists come for the freedoms you thought belonged to you and everyone.” He noted attacks on equality in America, and that extremist forces were peddling “a fiction, a caricature [of] what being a man is about—tough talk, abusing power, bigotry. Their idea of being a man is toxic.” “But that’s not you,” he continued. “It’s not us. You all know and demonstrate what it really means to be a man. Being a man is about the strength of respect and dignity. It’s about showing up because it’s too late if you have to ask. It’s about giving hate no safe harbor and leaving no one behind and defending freedoms. It’s about standing up to the abuse of power, whether physical, economic, or psychological.” To applause, he added: “It’s about knowing faith without works is dead.” “The strength and wisdom of faith endures,” Biden said. “And I hope—my hope for you is—my challenge to you is that you still keep the faith so long as you can.” “Together, we’re capable of building a democracy worthy of our dreams…a bigger, brighter future that proves the American Dream is big enough for everyone to succeed.” “Class of 2024, four years ago, it felt probably like Saturday,” Biden concluded. “Four years later, you made it to Sunday, to commencement, to the beginning. And with faith and determination, you can push the sun above the horizon once more….” “God bless you all,” he said. “We’re expecting a lot from you.” — Notes: https://www.whitehouse.gov/briefing-room/speeches-remarks/2024/05/19/remarks-by-president-biden-at-the-morehouse-college-class-of-2024-commencement-address-atlanta-ga/https://www.inquirer.com/news/a/wilmington-del-riots-occupation-martin-luther-king-jr-national-guard-20181207.htmlhttps://www.reuters.com/world/us/morehouse-graduation-thanks-god-woke-class-2024-2024-05-19/

https://heathercoxrichardson.substack.com/p/may-19-2024

I (30f) met my dad (M 64) when I was fifteen years old. We have always been close ever since we reunited. Out of all my siblings on his side I’m the only one who graduated high school and went on a career and maternal/family path. My brothers are either in jail or rehab. And one of my brothers is also terminally ill now.
Fast forward to January of this year, I moved in with my dad because his health is declining majorly. He has COPD, sleep apnea, heart disease, alcoholism (12-18 pack every night), heavy smoker (almost 2 packs every day.) So moving in was more so to take care of him than anything else. My husband and children stayed back so my oldest can finish her school year and I can focus on my dad before he had his back surgery on March 1st, 2024.
At first my dad told me he only wanted us to take over the mortgage for him. Okay no problem. Well Then mortgage turned into every bill. (Cable, electric, water, sewage, AC, etc) and we even footed the bill to replace the liner in the pool ($999) and the installation for it ($250) and the bill to fill it (water bill) which honestly was cheaper than I thought it would be not gonna lie. And our recurring purchases for the chemicals for the pool. But he pressured us into getting that pool done, like would not shut up about it. And my dad has us buy his beer and cigarettes every day except the weekends when I don’t have to go anywhere all day.
On top of that we pay for all the groceries. And clean the house every single day. (Vacuum, mop, deep kitchen cleanup, bathroom cleanup, etc)
Now while hubby and I were on separate sides of the state we were splitting bills between two households. Supporting hubby’s parents as well.
Husband and kids moved in Late March. We bit the bullet of getting the kids over here early due to the treatment they were receiving from Hubby’s dad.
I’ve had my own room this whole time, and my dad was supposed to clear out the spare room so the kids can have their own room. My dad was supposed to do this since February and he barely worked on it.
Well hubby moved in without a job lined up and I’m still building my clientele over here and our money is tight. We can’t afford groceries and my dad’s bills at this time due to our own bills coming out with no income streaming in.
My dad is saying he can’t keep paying for us (mind you it’s been a week since we been tight on funds) and we are both job hunting like crazy, putting applications in everywhere. And last night he told me “since you don’t have the money to get the kids bunk beds I’m not in a rush to work on the spare room.” I never wanted to hit anyone as much as I did in that moment considering I spent their bed fund on groceries and gas for his truck because that was the last I had and I wanted to make sure we had groceries for awhile to sustain us.
Now aside from money and cleaning, I practically have to make two meals per night because of how Picky my father is. He likes very limited food as in beef, rice and corn. Kids and hubby like everything else under the sun. I tried combining my dad’s diet and my family’s preferences into one dinner and my dad still won’t eat it. So I have to do something else for him and since he eats around 9:30-10pm at night I get to have the pleasure of dirtying up pans that I just cleaned up all over again.
And all he does all day is sit in his garage and smoke his cigarettes and drinks his beer.
He comes up with new rules almost every single day. Like my dogs can’t sit on the couch on the patio but his dog can. Tried telling me the kids can’t run in the back yard??? Like wtf. And every time he’s on the phone with his sisters all he does is complain as if we don’t do anything for him. I literally heard my aunt say “does she at least cook for you” referring to me.
My dad says he’s scared that we are gonna pack up and leave him, but at the same time I’m at my wits end and I don’t want to leave him due to his physical health, depression and more.
What would you all do?

I think perfect stats at the age of 14 is the youngest I’ve ever been able to do it without custom stats to begin with. What’s your youngest age with perfect stats? :p

Hello there! I was hoping to gather some insight on possible repayment options from my sister (29) to me (31) and my brother (34). The obvious answer is to set up a repayment plan based on her budget, but I'm wondering if there are other options that we haven't thought of.
Context: Parent set up college/trust funds when me and my siblings were young. They died in 2007; we (me + siblings + mom) were scared of losing the house. We kids agreed to contribute $50k each to the mortgage when we turned 18.
I + siblings graduated from college. Mom sold the house to downsize and used the funds to buy a different house outright (no mortgage). At the time, my siblings and I figured we would simply be repaid for our contributions via inheritance (dividing up assets three ways).
Mom had a health scare in autumn 2023. She and my sister agreed to merge households. Mom sold her house and they bought one together. All money from the sale of Mom's house went into the purchase of the joint house.
My sister effectively benefited from 100% of the possible inheritance. She agreed to take on the "debt" of $50k each.
My brother and I are ceding any possibility of additional money (from what would have eventually been a three-way split). In return, our sister will provide financial coverage for mom's long-term healthcare as she ages.
Query: Are there any options available to my sister as the payer or to me and my brother as the recipients that would enable her to pay us back in a meaningful way without having to wait 10+ years? But that would also not cause her financial strife?
Additional factors:
• US federal gift tax limit of $18k/year.
• Home equity loan not available since the house purchase is so new.
• Preference to avoid personal loans, due to high interest rates. (Can you even use a personal loan in this way?)
tl;dr: My sister has taken over a debt of $50k each to be paid to me and our brother. Are there any money/finance/banking options out there to help her pay us back in a timely way, without causing her financial pain?

Hey everyone, My name is Eddie but go by Lotus. I have been streaming since January and hit affiliate in March! I took a two week vacation to visit family and watch my sister graduate. After being gone for two weeks I am so ready to start streaming again! I am scared that I won't get my usual viewership but know that it might be a possibility since I left. I stream overwatch and stream monday-friday. I hope you are able to join me as a chatter or lurker! See you soon! Stream Starts at 1pm CST
twitch.tv/lotuscf

Hey everyone, My name is Eddie but go by Lotus. I have been streaming since January and hit affiliate in March! I took a two week vacation to visit family and watch my sister graduate. After being gone for two weeks I am so ready to start streaming again! I am scared that I won't get my usual viewership but know that it might be a possibility since I left. I stream overwatch and stream monday-friday. I hope you are able to join me as a chatter or lurker! See you soon! Stream Starts at 1pm CST
twitch.tv/lotuscf

Hey everyone, My name is Eddie but go by Lotus. I have been streaming since January and hit affiliate in March! I took a two week vacation to visit family and watch my sister graduate. After being gone for two weeks I am so ready to start streaming again! I am scared that I won't get my usual viewership but know that it might be a possibility since I left. I stream overwatch and stream monday-friday. I hope you are able to join me as a chatter or lurker! See you soon! Stream Starts at 1pm CST
twitch.tv/lotuscf

Hey everyone, My name is Eddie but go by Lotus. I have been streaming since January and hit affiliate in March! I took a two week vacation to visit family and watch my sister graduate. After being gone for two weeks I am so ready to start streaming again! I am scared that I won't get my usual viewership but know that it might be a possibility since I left. I stream overwatch and stream monday-friday. I hope you are able to join me as a chatter or lurker! See you soon! Stream Starts at 1pm CST
twitch.tv/lotuscf

Hey everyone, My name is Eddie but go by Lotus. I have been streaming since January and hit affiliate in March! I took a two week vacation to visit family and watch my sister graduate. After being gone for two weeks I am so ready to start streaming again! I am scared that I won't get my usual viewership but know that it might be a possibility since I left. I stream overwatch and stream monday-friday. I hope you are able to join me as a chatter or lurker! See you soon! Stream Starts at 1pm CST
twitch.tv/lotuscf

Background:
Married (F) with one child (M). I worked for my mother almost all my life. She had a business and I worked there until til I graduated from undergrad. She worked me to death y’all like from 6am-6pm making $1400 a month. From that she forced me to giver her $1500 hours very quarter for her house tax my dad didn’t do anything about it and mostly ignored me growing up (I thought he hated me) they made ALOT money on their lifetime.
When I was a kid they refused to help with anything so I walked to my second job before I could afford a car. They wouldn’t even drop me off. My mother always screamed at me and called me names…my older sister either picked on me or ignored me I had a horrible childhood.
They refused to pay for college so I used a credit card to pay for community college and then took loans for undergrad. But they told my sister she is free to either work or or go to school they’ll cover it. I met my now husband at 19 (the most beautiful human) we struggled a lot skipped bills when we could over to the next month it was really hard. When we had our son my parents gave us nothing and I know I’m not entitled to anything honestly I got used to doing everything on my own.
Present
Both husband and I finished graduate school and are very financially secure though our jobs and good decisions. Our kid attends private school we have a lot of savings bought a house in a HCOL area and are very happy and comfortable. My parents on the other hand never saved any money or made any sound investments. They were able to sell their house for a really good amount of money. From that sale house my mother did offer to pay off my student loan ($110K) and she did it was the first thing she ever did for me but I now know it’s because she wanted them to come live with us. We tried for a year that didn’t work. They were rude, took over our house and tried to test me like they did when I was 12.
They got an apartment in a retirement community and my brother is there with them, he doesn’t work and they give him money. They are now asking me for $1000/month to help because apparently house sale funds are low. I already pay the cell phone bill for all of them and if they need help my brother needs to get a job…my husband says he will do whatever I want to do as an extra $1K per month isn’t a big deal (we’re very blessed). But I don’t want to…I still harbor a lot of resentment about the way I was treated as a child/young adult. My mother was and still is incredibly rude, mean and selfish, my dad is still fucking selfish and my sister is lazy…so am I asshole because I don’t want to help them?
*I have a therapist
EDIT: sorry I have a sister not a brother I tried to change the gender to hide a bit cuz my moms on Reddit but then I was like fuck it who cares if they see this and know it’s me.

So i am in third semester now (after the exams), in first semester there was a team of 5 for hackathon in which apart from me there were two M and two F. I was a pretty much goal oriented person so much to the point I barely left my laptop while I was coding and when I wasn't coding I would either be at my shop or college, this was my life for whole 1st semester. Fast forward to december, we gave our sem ends, I was free so I thought I'd use them holidays productively, to my sheer luck my mother spilled coffee on my laptop and it took more than a fkin month to get it back. In between this month I had nothing to do so I started to talk to one of those F in my team. Thing went on pretty quickly, I developed feelings, we were spending literally all days chatting away, telling each other everything we could. Fast forward to 12th Feb i proposed to her and she accepted it. We both were happy to each other. My friends got to know about this progression and they started brain washing or don't know what u call it but they started kind of forcing me to be physical with her. Two to three weeks went by and one day when we were talkin in night like usual she got horny and she said and as I quote "talk dirty to me". So I did sir. Next day we had a free lecture. We went to an empty class and i just slept on her laps and sucked her B, the next day she would behave distant, don't know whether its her conscience or what but the whole week she was like this, then I calmed her down maybe by taking her to eat out or maybe by reciting a poem for her. The same events happened three more times and i, my fuckin brain got no clues what's going on. One day she got so distant from me that she started straight out ignoring me, I was so "depressed" that even my 3 yr younger sister noticed it and confronted it to her directly. She said she needs time to heal but not to me to my sister. I said if you need time that's OK I'll wait for you even if it takes my whole life. Then one day I wanted some answers regarding the material or something I don't even remember it correctly now, things went down the rabbit hole and it was bad, believe me she really said I was nothing more than a nuisance. This was just all so overwhelming and heartbreaking, I didn't want to lose her. Then i planned the most romantic thing of my life. I booked out a cafe, called her friends to invite her, they were three (including her) and i was alone. By the sheer determination of not loosing her I proposed to her again, she accepted and we were happy. After a week in one of my finals she says "mere papa ko pata chala gaya, unhone chat padh li". At this point I don't know what but I didn't care about whether she stayed with me or not cuz I thought what more I could do with current me, (I had literally spent all my savings, I wanted to upgrade my laptop so bad). I asked her "what now, you want to leave me? " she replied "what would you do if you were in my shoes?". I got up and left the place. I don't even feel sad about we broke up anymore like I did the first time she acted that way. Are these feelings wrong? Should I ask her for all the money I spent on her? What do i do now? She will surely leave me but I don't feel a thing.

I am a student at one of the top schools outside the United States of America, and I would like to ask: Do I have a chance to be accepted into one of the Ivy League universities specializing in mathematics or even MIT, or is it better for me not to apply? Let's start with my GPA. Unfortunately, my GPA is not high; it is 3.7, which is considered low in my school. The reason for this low GPA is that I have been taking care of my sister, who is sick with bipolar disorder. In the ACT, I scored 36, and in the IELTS, I scored 8. I am also a member of the national team for the Mathematical Olympiad, but unfortunately, we were not able to travel to the IMO. I also achieved second place in the Continental Olympiad in my continent. I also achieved a silver medal in the Arab Olympiad. Anyway, I founded a team to explain mathematics on a wide international scale. Over the past year, graduates of the team who understood the explanation were able to participate in international competitions such as IMO and win silver medals. In any case, I also wrote an encyclopedia of mathematics that includes solutions, explanations, and examples of more than 200 mathematical theorems in all branches.

We are in love and are crazy about each other. But despite this I am not sure if this is a bad decision. We’ve been dating almost a year now, and spend a ton of time together. I was laid off back in January and have still been looking. I’ve been applying to full time corporate positions similar to what I was doing before nonstop and have had several interviews going all the way up to the final round, but never seem to make it all the way through. It’s been very disheartening. I plan on getting at the very least part-time retail job when my Unemployment runs out. The only reason I haven’t got one yet is that the hourly job would pay less than what my Unemployment currently is.
We have been talking about moving in together for a few months, even prior to me losing my job. I do think he thought I would have a job by now, but he has continued to be supportive. He even paid for my plane tickets home recently so I can visit my family to be at my sister’s graduation. He has also helped me with my food and groceries so I can focus on paying my rent and other bills. He has even said I can get on his insurance once mine runs out. I just have a feeling he is going to start to resent me. It’s looking like I’m not going to be able to make as much as I did before anytime soon. I’m confident I can get part-time job, but it will not be enough to help pay our rent in the high cost of living city we live in. He makes three times as much as I did, so he is very well off. He assures me he has no problem paying for the rent in its entirety until I can get something.
Our leases end in august so we have started looking at apartments now. My mom has told me to be cautious because if I rely on on him, he could take it away and ask me to leave at anytime. He has assured me he would never do this, that is in love with me and wants to marry me, but wants to see how we do together first. I’ve met all his family and friends. My lease and his lease end soon and I want to move in together, but it would be putting so much reliance on him and trusting he will catch me if I fall. The alternative is me moving back home 2000 miles away with my parents. What should I do?
TLDR: Should I move in with my long-term boyfriend, despite being unemployed??

We are in love and are crazy about each other. But despite this I am not sure if this is a bad decision. We’ve been dating almost a year now, and spend a ton of time together. I was laid off back in January and have still been looking. I’ve been applying to full time corporate positions similar to what I was doing before nonstop and have had several interviews going all the way up to the final round, but never seem to make it all the way through. It’s been very disheartening. I plan on getting at the very least part-time retail job when my Unemployment runs out. The only reason I haven’t got one yet is that the hourly job would pay less than what my Unemployment currently is.
We have been talking about moving in together for a few months, even prior to me losing my job. I do think he thought I would have a job by now, but he has continued to be supportive. He even paid for my plane tickets home recently so I can visit my family to be at my sister’s graduation. He has also helped me with my food and groceries so I can focus on paying my rent and other bills. He has even said I can get on his insurance once mine runs out. I just have a feeling he is going to start to resent me. It’s looking like I’m not going to be able to make as much as I did before anytime soon. I’m confident I can get part-time job, but it will not be enough to help pay our rent in the high cost of living city we live in. He makes three times as much as I did, so he is very well off. He assures me he has no problem paying for the rent in its entirety until I can get something.
Our leases end in august so we have started looking at apartments now. My mom has told me to be cautious because if I rely on on him, he could take it away and ask me to leave at anytime. He has assured me he would never do this, that is in love with me and wants to marry me, but wants to see how we do together first. I’ve met all his family and friends. My lease and his lease end soon and I want to move in together, but it would be putting so much reliance on him and trusting he will catch me if I fall. The alternative is me moving back home 2000 miles away with my parents. What should I do?

We are in love and are crazy about each other. But despite this I am not sure if this is a bad decision. We’ve been dating almost a year now, and spend a ton of time together. I was laid off back in January and have still been looking. I’ve been applying to full time corporate positions similar to what I was doing before nonstop and have had several interviews going all the way up to the final round, but never seem to make it all the way through. It’s been very disheartening. I plan on getting at the very least part-time retail job when my Unemployment runs out. The only reason I haven’t got one yet is that the hourly job would pay less than what my Unemployment currently is.
We have been talking about moving in together for a few months, even prior to me losing my job. I do think he thought I would have a job by now, but he has continued to be supportive. He even paid for my plane tickets home recently so I can visit my family to be at my sister’s graduation. He has also helped me with my food and groceries so I can focus on paying my rent and other bills. He has even said I can get on his insurance once mine runs out. I just have a feeling he is going to start to resent me. It’s looking like I’m not going to be able to make as much as I did before anytime soon. I’m confident I can get part-time job, but it will not be enough to help pay our rent in the high cost of living city we live in. He makes three times as much as I did, so he is very well off. He assures me he has no problem paying for the rent in its entirety until I can get something.
Our leases end in august so we have started looking at apartments now. My mom has told me to be cautious because if I rely on on him, he could take it away and ask me to leave at anytime. He has assured me he would never do this, that is in love with me and wants to marry me, but wants to see how we do together first. I’ve met all his family and friends. My lease and his lease end soon and I want to move in together, but it would be putting so much reliance on him and trusting he will catch me if I fall. The alternative is me moving back home 2000 miles away with my parents. What should I do?

tw//abuse maybe?? I'm really not sure if it counts as abuse, I'm sorry.
I'm sorry if it's too long I wanted to keep it short but I kept remembering things
My sister(26) and I (23f) live together since I'm 16. We used to live together with our parents but we had to leave that place for personal reasons. She took the role of a mother for me which I'm both grateful and sorry for but our relationship has gotten worse with time.
After my graduation from highschool, I took a gap year because I didn't like the college I got into so I decided to give it an another shot. Since I was in the apartment all the time I was expected to do all the chores around the house. I didn't know much about cleaning and other stuff and to be honest I lacked a lot. I still like to think that I did my best, even though she didn't think it was enough. One day I wanted to clean the house with more effort because she told me I was lacking for the past few days. I cleaned for hours and I also cooked for her. I was so excited to show it to her so I sat down and waited for her to come from her class. I got up and welcomed her by the door. She took one look at the apartment and started punching me on the stomach. She was crying and calling me names. I had bruises for a while. We didn't speak of it afterwards. I asked about it a few years later and she said that she doesn't remember doing that to me, that she must've been out of her mind. She laughed and we moved on from that.
I don't have clear memory of everything because I have terrible memory from all the childhood traumas I had to endure. Which I think it's something she uses against me. Whenever I confronted her with something she had done, she'd ask the exact date of it happening... And when I couldn't answer, she'd simply say that it never happened.
She has always told me that I was so selfish, annoying, evil, enemy(yes she has called me her ememy multiple times) and more and I used to believe it because I didn't have much friends at the time so there was no one to tell me otherwise.
Before she got a job(untill few months ago, I mean) Our parents used to sent us money for both of us to share. But since she was in the control of the money. I wouldn't get much. I don't have much clothes unless i save up and buy for myself. All my things are old and broken. And she lives in such luxury. She always buys stuff for herself and whenever I asked for money for something she'd either yell because we have no money or she'd tell me we'll get it next month(we would never) And I never asked for anything luxurious. I never asked for something I didn't desperately need because I knew that she'd yell at me even for asking.
I don't lack at cleaning anymore. I cook everday for her. I take care of everything that doesn't have anything to do with her job and education. I fixed myself in ways that I didn't even know was a flaw. But I'm still not enough. She stole 30k(not in dollars) from me and I said nothing. She would put her trash and dirty laundry in my room and I said nothing. I can't confront her with anything without it turning into a fight. I can't set boundaries. I can't insult her or gaslight her the same way she does. All I know is communicating and it doesn't work with her. So I decided to say nothing other than the important things. She started to treat me like shit because of it. She just looks at me with hatered in her eyes because I won't talk to her. I don't know if what I'm doing is wrong or right. I'm genuinely asking if I'm doing something horrible? I love her and I'd do anything to fix our relationship. I'm ignoring her around the house at the moment.
(I'm okay with being wrong but please say it nicely I'm in a sensitive state right now.)

As the title says; what would you like to see moving forward in the future of 48g?
For me;

• I would love to see concerts with multiple groups performing again.
  
• Sister groups reclaiming a more unique musical identity. With the exception of STU48, as of like, 2021 I feel songs are no longer as personalized to the individual groups. There's always been some songs that would work for multiple groups, but I miss things like Kamonegix or Suki! Suki! Skip! which feel like they could really only be executed by their group.
  
• Vocal and dance training. I feel like since PD48, 48g has been trying to appeal to the kpop craze half-heartedly. Songs like Teacher Teacher and trying their own survival show with Out of 48 were fine and all, but I think having more focus on building up member skills and allowing the process to be shown, while keeping their traditional idol style would actually be more effective. People have always stated what they like about the 48g is watching members grow, so if we're giving them more professional growth and access to see that growth, I think that would be a win-win.
  
• More fan participation, even if it's not Sousenkyo. Things like voting on genre, costumes, etc. for a yearly single would be fun without pitting our girls against each other.
  
• Stop being afraid to promote older members / long-term members!!! It's understandable that they start phasing out girls 25+ because unless they're pillar members, they're likely thinking about graduation. But in cases like Mirei, relying on members that are too young could also mean they're going to be gambling on them leaving once adulthood gets close. When 48g was at it's prime, it was a safer bet because a steady career seemed more likely but since it's waning, it's natural younger members are going to want to explore their possibilities.
  
• And lastly, I hope AKB specifically takes advantage of the nostalgia craze. Hisashiburi no Lip Gloss and Colorcon Wink have been great return to classic idol form, I hope to see more of this!!
  

What about you? What would you like moving forward?

Hi all,
Currently me (25)and my small sister (18) staying in Mumbai for studies and work and my parents are staying in a rural Village in Telangana near mahbubnagar district. My sister has cleared her HSC exam and she wants to go for BBA/BAF courses. And I cleared my CAT exam and going for MBA from IIM next month to North India. I want my sister to study in a good college which is economical as we belong to lower middle class group and can't afford high college fees and hostel fees for her. And also I don't want her to stay with parents as they are very conservative and regressive and wants her to not to study and get married.
So I want you all to suggest some colleges which is good for BBA /BAF and also a girls hostel near mahbubnagar or Hyderabad. As my village is exactly between these two cities and parents can also look after her. I would be very grateful if anyone of you help me to find a good college and hostel for her. I want her to study atleast till graduation or more. Posting this in nibonda subreddit as well.

Throughout our marriage, my partner and I have not had many big arguments or problems. We generally get along well and quickly get over small disagreements. I would say we have a fairly normal relationship, with nothing to hide from each other and 100% trust. We only have each other and do everything together.
**First Argument:**
Recently, we started trying new things and becoming more outgoing. My partner just started a new job and loves her coworkers. Her workplace has a volleyball team that plays for fun every week. We were never involved in extracurricular activities at work or school, so this was new and exciting for us, especially for her, as she had always wanted to do sports and finally found a group she enjoyed being around. I was happy for her because, for the longest time, we had been trying to find something she would enjoy doing.
During the first week, we had such a blast that we decided to participate every week. The second week, she was really looking forward to it, but it coincided with my sister's graduation. I expected the day to be dedicated to the graduation, with a plan to attend the ceremony and then go out to eat with the family (this was not discussed, but I assumed it would be better to focus on the graduation and didn't even consider volleyball).
Right before we left for the ceremony, my partner told me she was putting on her volleyball shorts under her dress so we could play volleyball right after the ceremony and then go to dinner. This is where the tension started. I felt that since the schedule was tight, we shouldn't try to squeeze in volleyball and told her there was always next week. I also dislike being late and keeping people waiting, even though it was at a buffet. She said she wanted to go and that the buffet wasn't that important.
I thought squeezing in volleyball for even 15 minutes was too much. We were both angry, but we agreed to go to volleyball for a bit, even though it was just for 15 minutes. I told her I wasn't going to play because I wasn't dressed for it and was too mad to see anyone, so I just sat at the bar. Fifteen minutes turned into 30, and I called her, telling her we had to go because we were already late and I was really hungry. We made it to the buffet, but when we got home, we started to discuss what happened.
We argued, and she told me she still felt she was right and that I was overreacting. She said I didn't care about her happiness and that she had finally found something she loved doing. I argued that it was ridiculous to try and squeeze volleyball in after the ceremony and then be late to the buffet by 30 minutes. She started crying, and we went back and forth. This was the first time she filled out and printed divorce papers for me to look at. We had fights before where we discussed whether we were right for each other because we thought differently about certain situations, but it had never escalated to divorce papers. We talked it out some more, made up, and put the argument behind us.
**Second Argument:**
We recently purchased a house and agreed to let my 24M cousin live in one of our extra rooms. He pays us rent, and we felt bad for him since he didn't have parents and had been living alone before moving in with us. Also, the rent would help with the mortgage. Though he can be an idiot at times, he is on good terms with both my wife and me. He is almost the perfect tenant: clean, organized, and respectful. However, he has an eating habit he is unaware of and no one has told him about.
He tends to eat things and leave one piece for someone else to finish and clean up after him, or he eats too much, not leaving enough food for my wife and me. Whenever I catch him doing this, I remind him that other people live in the house too and he cannot eat so much at once. He tends to skip breakfast and lunch, so he gets very hungry by dinner and eats whatever he can find. I have had this talk with him a few times, and he understands he has a problem, but it's not the end of the world. Meanwhile, my wife is growing more frustrated with him but doesn't say anything, slowly distancing herself from him.
Yesterday was the day of the argument. My cousin said he would cook for us, and I told my wife on the phone that he was cooking. He went out to get groceries, but my wife didn't want to eat his food due to the growing tension with him. We feel he doesn't buy enough groceries for himself, but when we confront him, he tries to cook for us and scrambles to buy groceries because he feels bad. My wife got home from work, and I prepared some food for dinner, just enough for us two and maybe my cousin since he was out buying groceries for all of us. We had agreed to start making less food so my cousin would not eat so much at dinner, kind of portioning for him.
My wife prepared two bowls of what I was cooking and did not put out a portion for my cousin. She said to not make one as a message that we are not cooking for him anymore. I told her that would be awkward and suggested preparing a small bowl for him so it wouldn't be awkward when he got back since he was out and expected to be cooking for us. I think it is kind of cruel, even though he has upset us with his habit. She thinks it's okay and that she is right. After that, we went on a walk and argued like the last time. She said her job was to worry about her husband and not another man. and then told me that if I was so worried about him getting a bowl why didnt I make one for him? She has been upset with my cousin about his eating habits and other annoying things, and this was her way of telling him we are not cooking for him anymore. I argued that I would have handled it differently to make it less awkward, like preparing a small bowl and then talking to him afterward about buying his own groceries and not cooking for us anymore from now on. She again stated that she was right, also bringing up the last argument and saying I'm overreacting and making it more than it is and that even if I got up and tried to make him a bowl she would be mad at me too because she valued our dinner time together(even though it would have been a quick thing to do, but I backed down because afraid I would upset her) and said that I always try to be the nice and decent person while she is always the bad person.
I feel stuck in the middle because I'm always the mediator in these arguments and feel like our arguments are always at this level of intensity. How do I handle these types of arguments?