The old family home stood at the edge of town, its once grand facade now weathered and worn by time. The town's whispers about the house had reached my ears many times throughout my childhood, but I had never given them much thought. Now, standing before the creaking gate that led to the overgrown path, I felt an inexplicable urge to discover the truth.
I had inherited the house after my great-uncle Nathaniel passed away, a man I barely knew but whose presence seemed to linger in every corner. The dusty heirlooms and musty bookshelves hinted at a long and storied history. It was a history I intended to uncover.
The first few days were uneventful. I spent my time clearing out cobwebs and sorting through old papers, most of which were mundane—bills, letters, old photographs. But then, tucked away in a hidden compartment of Nathaniel's desk, I found a bundle of letters tied with a faded red ribbon. The letters were old, the paper yellowed and brittle. They were addressed to my great-grandmother, Beatrice, from someone named Arthur.
The letters spoke of forbidden love, betrayal, and a pact made in desperation. Arthur's words grew increasingly frantic as he described a dark secret shared by the family—a secret that, if revealed, would bring ruin upon them all. My curiosity piqued, I read on, unable to tear myself away.
One letter in particular stood out. Dated December 3, 1923, it detailed a horrific event: a fire that had claimed the lives of several townspeople. Arthur confessed to starting the fire, claiming it was necessary to protect the family from something far worse. He mentioned a cult, dark rituals, and a promise made to an entity he referred to only as "the Shadow."
The more I read, the more I felt an unsettling presence in the house. Shadows seemed to move on their own, and whispers echoed through the halls at night. Determined to understand, I ventured into the basement, where Nathaniel's journals hinted at more hidden secrets.
The basement was damp and cold, the air thick with mildew. Shelves lined with jars of strange substances and dusty books filled the room. At the far end, behind an old trunk, I found a small door. It creaked open to reveal a narrow staircase leading further down into darkness.
With a flashlight in hand, I descended, my heart pounding in my chest. The air grew colder with each step, and a sense of dread settled over me. At the bottom, I found a chamber filled with symbols carved into the stone walls. In the center was an altar, stained with what I could only hope was old wax.
As I examined the room, I found more letters, these from Nathaniel to someone named Margaret. They described rituals performed to keep the Shadow at bay, sacrifices made to ensure the family's prosperity. Nathaniel's last entry was a chilling plea for forgiveness, confessing that he had failed to uphold the pact and that the Shadow was coming for him.
Suddenly, the flashlight flickered and went out. Panic set in as I fumbled to turn it back on. When the light returned, I saw them—figures standing in the shadows, their eyes glowing with an unnatural light. They whispered in unison, a low chant that sent shivers down my spine.
"Blood of the betrayer," they intoned. "Blood of the guilty."
I tried to run, but my legs felt like lead. The figures closed in, their hands cold as ice as they grabbed me. I struggled, but it was no use. They dragged me to the altar, their chanting growing louder.
As they forced me down, I realized the truth: my family had been protecting a dark secret for generations, a secret that had now claimed me. The last thing I saw was a figure stepping out of the shadows, its eyes filled with malevolent glee.
The pain was sudden and all-consuming. My scream echoed through the chamber, blending with the chants. And then, there was nothing but darkness.
The house stood silent once more, its secrets buried deep within its walls. The townspeople still whispered about the old family home, but no one dared to venture inside. They said the shadows moved on their own, and at night, if you listened closely, you could still hear the whispers of the past.
Years passed, and the house remained untouched, a dark mark on the edge of town. Then, one evening, a young couple, unaware of the house’s history, moved in. They had bought the property cheaply, charmed by its antique allure.
Their first night in the house was uneventful. They laughed, unpacked, and made plans to renovate. But as the clock struck midnight, the atmosphere changed. The house seemed to come alive with a malevolent energy. The husband, Peter, heard a faint whispering. At first, he dismissed it as the wind, but the whispers grew louder, forming words.
"Blood of the betrayer... Blood of the guilty..."
He followed the sound to the basement, where the narrow door stood ajar. Against his better judgment, he descended the stairs. The flashlight flickered, casting eerie shadows on the walls. The chamber at the bottom was as I had left it, but now there was something new—a fresh inscription on the altar: "He who seeks shall find."
Peter turned to leave, but the shadows moved. Figures emerged, their eyes glowing with the same unnatural light. He screamed for help, but the basement door slammed shut, trapping him inside.
Upstairs, his wife, Emily, heard his screams and rushed to the basement door, but it wouldn't budge. She pounded on it, calling his name, but the house seemed to swallow her cries. Desperation set in, and she ran to the phone, dialing the police.
The police arrived quickly, but as they approached the house, they felt an unnatural chill. Inside, they found Emily, frantic and pale. She led them to the basement, but when they opened the door, the chamber was empty. There was no sign of Peter.
Days turned into weeks, and Peter was never found. Emily moved out, leaving the house abandoned once more. The townspeople spoke of the curse, of the family’s dark past, and warned newcomers to stay away.
But the house never stayed empty for long. Curiosity drew people in, and one by one, they disappeared, claimed by the shadows. The whispers continued, a never-ending chant of betrayal and guilt.
One stormy night, a group of ghost hunters arrived, eager to uncover the house's secrets. They set up their equipment, cameras rolling, as they ventured into the basement. The air was thick with tension, the shadows seemed to watch, waiting.
As they explored the chamber, the leader of the group, Sam, found the old letters. He read them aloud, his voice trembling. The whispers grew louder, the shadows closing in.
"Blood of the betrayer... Blood of the guilty..."
The cameras captured everything—the figures emerging from the darkness, the screams, the terror. But when the footage was reviewed, all that was visible was the empty basement, silent and still. The hunters were never seen again.
Years passed, and the house remained a dark legend. No one dared to enter, the whispers and shadows a constant warning. And yet, on moonless nights, the townspeople could see faint lights flickering in the windows, hear the faint whispers carried on the wind.
It was said that the house was a gateway, a place where the past and present intertwined, where the sins of the ancestors demanded atonement. Those who entered were lost, their souls trapped in a never-ending cycle of horror.
Then, one day, a young historian named James arrived in town. He was fascinated by the stories and determined to uncover the truth. Despite the warnings, he entered the house, armed with his knowledge and a sense of purpose.
He found the letters, the journals, the hidden chamber. But as he delved deeper, he uncovered something no one had seen before—a final letter from Nathaniel, hidden behind a loose brick. It spoke of a ritual to break the curse, to free the trapped souls.
With renewed hope, James prepared for the ritual, following the instructions meticulously. As he began, the house seemed to tremble, the shadows stirring violently. The whispers grew to a deafening roar, but he pressed on.
The final step required a sacrifice, a willing soul to take the place of the cursed. As James completed the ritual, he felt a searing pain. The shadows enveloped him, but he continued to chant the final words.
Suddenly, the whispers stopped. The shadows receded, and the house fell silent. The townspeople, watching from a distance, saw the lights go out and heard a final, blood-curdling scream.
The next morning, they found the house empty. The letters and journals were gone, the chamber sealed. James was never seen again, but the curse seemed to have lifted. The house stood silent, no longer a source of fear.
Years later, the house was sold and renovated. Families moved in and out, but the dark history remained a distant memory. The whispers and shadows were gone, but on stormy nights, the faint echoes of the past could still be heard, a reminder of the darkness that once lurked within.
And so, the legend of the old family home became a story told to children, a cautionary tale of curiosity and the consequences of uncovering secrets best left buried. But some say that on the darkest nights, if you listen closely, you can still hear the faint whisper: "Blood of the betrayer... Blood of the guilty..."

Have a general question? Want to offer some commentary on markets? Maybe you would just like to throw out a neat fact that doesn't warrant a self post? Feel free to post here!
If your question is "I have $10,000, what do I do?" or other "advice for my personal situation" questions, you should include relevant information, such as the following:

• How old are you? What country do you live in?
• Are you employed/making income? How much?
• What are your objectives with this money? (Buy a house? Retirement savings?)
• What is your time horizon? Do you need this money next month? Next 20yrs?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Any other assets?)
• Any big debts (include interest rate) or expenses?
• And any other relevant financial information will be useful to give you a proper answer.

Please consider consulting our FAQ first - https://www.reddit.com/investing/wiki/faq And our side bar also has useful resources.
If you are new to investing - please refer to Wiki - Getting Started
The reading list in the wiki has a list of books ranging from light reading to advanced topics depending on your knowledge level. Link here - Reading List
Check the resources in the sidebar.
Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered investment adviser if you need professional support before making any financial decisions!

Hmmmmm, basically two of my referees didn't respond back to my request for reference letters. They should be reachable through email, but they are not responding. I am not sure if I should take this as a "no."
If I would like to write a follow-up email and see if they are willing to do this for me, any recommendation in how I should format this email? How should I word myself?

Hi all,
Thanks for the invite to the group.
Below are all the locations I've signed up to which allow referrals and pay you in return for them.
I'll try to be as good at explaining where I can. For ease I have hidden referral links just incase the sites dont allow sharing in "public" forums such as this.
Banking apps: 1. Monzo Offer: Spend no minimum, make £5 Referral link Steps: - You’ll need to be a UK resident aged 16 or over with an open Monzo account of any kind. You have 30 days to: - download the Monzo app - apply for a current account or business account - add some money and pay for something using Monzo (no minimum amount) - The referral’s complete and we’ll both get £5

1. Zing Works similar to Revolut/Wise, foreign currency banking essentially. Offer: Spend £5 minimum, make £20 Referral link Steps:
2. You'll need to be a UK resident aged 18 or over with an open Zing account You have until 31st May to:
3. Sign up by following the link above to the referral landing page form and following the instructions.
4. Register using a mobile number
5. Download the Zing app and be successfully on-boarded as a customer for the first time using the same details as above.
6. Top up your Zing account
7. Spend £5 using virtual card, google/apple pay or order a card and spend that way too (but this might take too long to arrive)
8. once promotion has ended, within 30 working days we should receive £20 each. You can refer up to 20 people each to make £400 yourself, but has to be completed by above date.
   
9. Zilch Virtual banking app, cashback on spending at loads of retailers online and in store via google/apple pay. Offer: Spend no minimum, make £5 (to spend towards one of above retailers) Referral link Steps:
   
10. sign up
    
11. set up pay now option
    
12. set up pay anywhere
    
13. purchase/ spend something
    
14. receive £5 once transaction has registered.
    

Please note that this app has a credit facility, so make sure pay now option is set up so you dont affect your score incase you're prone to missing payments. Some point after registration Zilch may show up on your credit report, mine showed up after a few months. Cashback received varies but minimum is 0.5%.

1. Freetrade Stocks and shares platform Offer: Deposit minimum £50, receive 1 share between £10-£100. Referral link Steps:
2. sign up using the link
3. fill in the W-8BEN form
4. deposit £50, no need to spend it on purchasing shares. Unless you want to of course.
5. receive a free share valued between £10-£100

Please note your capital is at risk if purchasing shares. So if you want to play safe deposit minimum £50, dont spend and receive the free share to do as you wish with. If you want to try the platform, then by all means go for it. I just have to state your investment is at risk due to the nature of stocks and shares. If you decide to refer your friends, you get up to 10 referrals a month.
Cashback platforms: Some of the below can be combined with cashback or gift card places like Zilch (above) / Chase / Cheddar and Jam Donut (below) for example, to save and make even more money back.

1. Topcashback Cashback site where you can each money on every days online purchases Offer: Purchase using the platform and reach the £10 threshold for cashback. Referral link Steps:
2. sign up
3. use the site to find a retailer you shop with
4. purchase item
5. get cashback each time you do
6. build up £10+, that's yours to then cash out and spend as you wish via bank account/paypal/gift cards
   
7. Quidco Cashback site where you can make money on every day purchases Offer: Purchase using the platform and reach £5 threshold for cashback. Referral link Steps:
   
8. sign up
   
9. use the site to find a retailer you shop with
   
10. purchase item
    
11. get cashback each time you do
    
12. build up £5+, that's yours to then cash out and spend as you wish via bank account/paypal/gift cards
    
13. you'll get £15 once accomplished the above
    
14. Cheddar App that pay you money instantly for purchasing gift cards Offer: £5 for referring Referral link Steps:
    
15. sign up
    
16. link bank account
    
17. purchase gift cards
    
18. each cashback
    
19. withdraw once you reach £5 threshold
    
20. when you buy your first gift card, the referrer gets £5 also.
    
21. JamDoughnut App that pay you money instantly for purchasing gift cards Offer: £3 for using app for 1st time. Referral link Steps:
    
22. sign up using the link and input my code LA9G
    
23. link bank account
    
24. purchase gift cards
    
25. each cashback
    
26. when you cash out your funds for first time
    
27. Airtime Rewards App that pays you for spending in store or online, you can use the pot to go towards your phone bill (various ones available) or to gift to another members phone number instead. Offer: Sign up within 7 days and get £2 Referral link Steps:
    
28. sign up using the link and input my code if requested, LKMDEP7M
    
29. link a bank card you will spend with
    
30. use the linked card to make purchase various shops in store or online as per mentioned on airtime app within 7 days
    
31. we both get £2
    

This app is quite good to use, haven't really paid for my phone bill for over a good couple of years now.
Other cashback / reward offers: 1. E.On Next Sign up and get £50 credit on your bill Referral link T&Cs apply here

1. Community Fibre Sign up and get £50 Amazon gift card Referral link
   
2. Smarty Sign up and get £10 voucher for Amazon, John Lewis or Uber Referral link
   

Hello All,
Brief summary about my current vocal status: I'm used to singing everyday, currently in a band, and started noticing some vocal trouble over a month ago during rehearsals (voice wasn't easily reaching notes and felt strained after rehearsals). After that, I went on a Vegas trip with some friends, and after attending some concerts, my voice was pretty much gone for a day or two. After I came back from the trip, decided to give some vocal rest and let it heal, but never noticed such a feeling in my throat (hard to describe but its almost like a Sore Throat, but I can feel pain on the left side of my neck). A week ago, I decided to go to the doctor to see why it hasn't healed, and I was told its probably just a cold and he wrote me down for 'Acute Pharyngitis'. I was told to reach out a week later if symptoms didn't resolve. Well its been a week later, and I went to the Dr. today because my symptoms haven't improved, my voice hurts from talking and I have not been able to sing my usual range at all (I can sing within the normal register but trying anything a bit higher is not possible).
At the Dr. today, I was prescribed Pantoprazole (Proton Pump Inhibitor) and methylPREDNISolone (steroid). The thought process behind the Pantoprazole is that acid reflux may be swelling my throat, so I will start taking that tomorrow. For the methylPREDNISolone I was told to give it a few more days, and if still no improvement, to give it a shot. I was also referred to an E.N.T to get in touch and schedule a possible appointment for a Laryngscopy if symptoms do not heal.
I'm making this post to share my symptoms and see if anyone shared something similar because I initially thought this may be related to Vocal Nodules/Polyps, but based on my symptoms now I feel like they still fall under the category of a Flu/Cold thats just lasting a while and not letting my voice heal. I'm currently trying to do vocal rest, drink lots of fluids (including tea with honey), but its difficult as I do have to talk quite a bit at work.
Symptom List: (First 2 symptoms have been going on for about 2 1/2 - 3 weeks currently)

• Vocal Fatigue (From just talking. Singing obviously aggravates it more)
• Pain in Neck (I feel pain on my left (mostly left side), and sometimes on the right side, the middle area and under the jaw sometimes as well)
• Phlegm - Started noticing green and yellow phlegm for 2 days (started 2 days ago), but that has now subsided
• Vocal Hoarseness - Interestingly, people around me do not notice my voice being hoarse when I talk, but I can feel that it is not as smooth as before, and there is some gravely quality there.

I am really hoping this isn't a vocal nodule/polyp and is related to coming off a cold, but if symptoms do not get better I'll definitely be going to the E.N.T to get a scope done and check any other causes for these symptoms.

Ministers apologise and return £7,000 in benefits to woman, 93, with dementia
Government ministers have formally apologised and repaid £7,000 to a 93-year-old woman whom they held responsible for running up benefits overpayment debts even though they were told she had dementia and was unable to manage her affairs.
The case, which the minister for disability, Mims Davies, admitted was “disturbing”, was brought to light by the Guardian as part of its investigation into carer's allowance overpayments.
The agreement to write off the debt of the 93-year-old, whom the Guardian has chosen not to name, comes as ministers have promised to try new ways of sharing information with carers to try to prevent them building up months and years of overpayments.
Read the full article on theguardian.com
​
​
​
DWP confirmed that it is developing an ‘enhanced notification strategy’ to alert carer’s allowance claimants to possible overpayments
Notifications designed to encourage claimants to report changes in income and so reduce the risk of being overpaid.
As part of its policy paper, Fighting Fraud in the Welfare System: Going Further, that was published earlier this week, the Department says (at paragraph 78) -

'In carer’s allowance we are progressing an enhanced notification strategy as part of our existing commitment to improve customer engagement, building on our existing communications with customers. As part of this notification strategy we are considering all forms of targeted contact to find the most effective and efficient solution, such as exploring the use of targeted text messages or emails to alert claimants and encourage them to contact the Department when the DWP is made aware of a potential overpayment.'

The Department added -

'The new strategy will help claimants understand when they may have received an earnings-related overpayment or are at risk of doing so, and will encourage claimants to contact the DWP to meet their obligation to inform the Department of changes in their income and other relevant circumstances. This will reduce the risk of those customers being overpaid.'

Note: having expressed concern that the DWP had 'done nothing' to stop carers building up huge overpayments of benefit despite knowing what people are earning, Work and Pensions Committee Chair Stephen Timms called on the National Audit Office to investigate problems with the carer's allowance system and, in particular, its failure to prevent or rectify overpayments.
Stephen Timms has also written to Secretary for State for Work and Pensions Mel Stride highlighting concerns about the DWP's lack of progress with overpayments since the previous committee's report in 2019. Mr Timms' letter repeats the committee's recommendation that the DWP increase the rate of carer's allowance and goes on to call for the DWP to review both the amount and the cliff-edge nature of the earnings limit and for the removal of the 21-hour study rule.
For more information, see Policy paper: Fighting Fraud in the Welfare System: Going Further from gov.uk
​
​
​
Carers UK has welcomed the DWP's plans, noting this is the 'minimum' they've been calling for to tackle carers' overpayments. However, Director of Policy and Public Affairs Emily Holzhausen also highlights that implementing the strategy is 'urgent', asks that the whole issue be moved out of being branded benefits fraud, and that carer's allowance be reviewed as it should be 'modernised to reflect the realities of caring'.
​
​
​
DWP-commissioned research highlights how the carer’s allowance earnings threshold influences decisions about how many hours carers work
Report also makes clear that the Department was made aware three years ago that there was room to improve claimant understanding and possibly reduce mistakes leading to overpayments by improving its communications.
The research, Experiences of claiming and receiving carer’s allowance, explores how and why people claim carer's allowance; their caring roles; experiences of combining paid work and care; and how well claimants understand the rules associated with the benefit. While carried out in 2020/2021, the research has been published today against a backdrop of calls for the wholescale reform of carer's allowance as a result of evidence that claimants who have earned above the carer's allowance earnings limit have been left with large overpayments and, in some cases, prosecuted for fraud.
While the research found that many claimants in employment felt there was a practical limit to the hours they could work, with many saying it was only feasible to be working part-time due to their caring responsibilities, it also found that -

• the earnings threshold appeared to influence decisions about how many hours some people worked. Even though claimants often denied that the threshold influenced their choices, they acknowledged being mindful to stay below the threshold. One claimant felt he had to refuse shifts at work that would take him over the threshold;
• in another example, the earnings limit led a claimant to reduce her hours as her wages increased, and eventually she was working so few hours that her employer felt it was not worth employing her due to her limited availability; and
• some claimants in paid work felt they might work more hours if not for the earnings threshold, and even suggested tapering the carer’s allowance earnings rule to encourage claimants to work more.

Published on the same day that the Work and Pensions Select Committee said that there has been insufficient progress in addressing the problems with carer's allowance that it highlighted five years ago, the research makes clear that the Department has been aware of the issues for some time. For example, it highlights confusion relating to the complexity of the earnings calculation, including how deductions such as childcare expenses and pension contributions are taken account of, and whether wages can be averaged if you earn more in a particular week.
In addition, with the Chair of the Select Committee Stephen Timms having said recently that the DWP has done nothing to stop carers building up huge overpayments despite knowing what people are earning, and the Committee having called on the National Audit Office to investigate the problems with the system, the research found that -

• poor communication on the part of the DWP meant that not all of those that had been overpaid benefit were clear on the reason for the overpayment;
• some said that while they were initially notified or questioned about an overpayment there was then no follow-up from the Department; and
• when the overpayment was initially raised, several claimants felt that they were spoken to or treated by DWP as though they had intentionally committed fraud when the overpayment had been a misunderstanding.

As a result, the research says -

'... there is room to improve claimant understanding and possibly reduce mistakes leading to overpayments by improving communications around eligibility criteria. Since claimants did not engage with the detail of their benefit regularly, possibly only considering it once a year when they received their annual letter, more frequent communications may improve clarity of knowledge around carer’s allowance.'

Other key findings include that -

• most claimants cared for close relatives, with two in five caring for a child (39 per cent), a quarter caring for a spouse or partner (25 per cent), and one in five (22 per cent) caring for a parent;
• caring was a long-term and high-intensity commitment, with half of claimants (52 per cent) spending 65 or more hours caring per week and more than half (54 per cent) caring for between 5 and 20 years;
• only 16 per cent of carer's allowance claimants were currently in paid work, tending to work part- time in lower paid jobs that they were able to fit around their caring responsibilities, with most (81 per cent) working 20 hours or less a week;
• of those not currently in paid work, seven in ten (69 per cent) said this was due to their responsibilities as a carer, with other barriers including a lack of flexible working options, claimants’ own health and confidence issues; and
• there was a lag between starting caring and claiming carer's allowance, with seven in ten claimants (70 per cent) caring for 5+ years, but only 3 in 10 (34 per cent) having claimed carer's allowance for that length of time.

For more information, see Experiences of claiming and receiving carer’s allowance from gov.uk
​
​
​
Almost 135,000 people currently have an outstanding carer's allowance debt, with more than £250 million owed in total, according to figures supplied by DWP Minister Paul Maynard
DWP Minister also confirms that women represent 68 per cent of those with an outstanding debt.
Responding to a written question in Parliament from Work and Pensions Committee Chair Stephen Timms, Mr Maynard said -

'As of 14 May 2024, the volume of people who have an outstanding carers allowance debt is 134,800 with a total value of £251 million. This figure represents the total stock and as such the total monetary amount may have been accrued over multiple years. Those who have an outstanding carers allowance debt may no longer be in receipt of the benefit.'

Mr Maynard added that -

'Women make up the majority of carer’s allowance claims, and this is reflected in the proportion of those with an outstanding carer’s allowance debt. As of 14 May 2024, there were 42,800 (32 per cent) males, 91,900 (68 per cent) females and 100 (less than 1 per cent) not identified, with an outstanding carer's allowance debt.'

The Minister also confirmed that, as of November 2023, there were more than 991,000 people in receipt of carer's allowance, consisting of around 271,000 (27 per cent) males and 720,000 (73 per cent) females.
Mr Maynard's written answer is available from parliament.uk
​
​
​
​
Total value of benefit overpayments in 2023/2024 increased to almost £10 billion, representing 3.7 per cent of benefit expenditure for the year
New DWP figures also show that official error underpayments remained at around £1 billion, and that people could have claimed more than £3 billion more 'if they had provided accurate information about their circumstances'.
In Fraud and error in the benefit system: financial year 2023 to 2024 estimates, the DWP calculates how much money it overpaid or underpaid as a percentage of total benefit expenditure for the year (£266.2bn) - for benefits including universal credit, housing benefit, personal independence payment, employment and support allowance and pension credit - and how many claims were paid an incorrect amount.
Note: the statistics no longer include estimates of claimant error underpayments as these are now published separately, as confirmed in recent DWP guidance.
In relation to incorrect payment rates across all benefits for the financial year ending (FYE) 2024, the figures show that the total rate of benefit expenditure overpaid was 3.7 per cent (£9.7bn), compared with 3.6 per cent (£8.3bn) in 2022/2023. In addition, the total rate of benefit expenditure underpaid was 0.4 per cent (£1.1bn), compared with 0.5 per cent (£1.2bn) in FYE 2023.
Looking in more detail at the figures for individual benefits, the statistics include data showing that -

• for universal credit, expenditure increased to £51.9bn in 2024 with an overpayment rate of 12.4 per cent (£6.5bn) and underpayment rate of 0.3 per cent (£180m), compared to expenditure of £43.4 bn, overpayments at 12.7 per cent (£5.5bn) and underpayments at 0.6 per cent (£240m) in FYE 2023;
• for personal independence payment (PIP), the overpayment rate was at the lowest recorded level of 0.4 per cent (£90m), compared with 1.1 per cent (£200m) in FYE 2023. However, the underpayment rate went up to 0.4 per cent (£80m), from 0.3 per cent (£60m) the previous year;
• for pension credit, the overpayment rate was 9.7 per cent (£520m) in FYE 2024, compared with 6.8 per cent (£330m) in the previous year, with underpayments remaining unchanged at 0.3 per cent (£50m) for both years; and
• for housing benefit, almost £1bn (£980m) was overpaid in FYE 2024 (6.3 per cent of expenditure), compared with £860m (5.7 per cent) in 2023. Underpayments remained stable at 0.4 per cent of spending (£50m in FYE 2024 and £60m in FYE 2023).

In addition to the fraud and error statistics, the DWP has also issued Unfulfilled eligibility in the benefit system: Financial Year Ending (FYE) 2024, in line with its decision to remove claimant underpayments from its main fraud and error estimates. The new statistics set out the percentage of benefit expenditure that could have been paid to people with unfulfilled eligibility 'if they had provided the correct information', and show key findings that include -

• the unfulfilled eligibility rate for 2024 is 1.2 per cent of expenditure (£3.1bn), compared with 1.0 per cent (£2.3bn) in the previous year; and
• universal credit, PIP and disability living allowance (DLA) account for around three-quarters of the total value of unfulfilled eligibility (at £730m, £870m and £750m respectively in FYE 2024).

The DWP highlighted that -

'PIP has the second highest unfulfilled eligibility rate [4 per cent] of all benefits and fairly high expenditure [£21.6bn], so due to this combination, PIP accounts for around one-quarter of total unfulfilled eligibility in FYE 2024. DLA has the highest unfulfilled eligibility rate [11.1 per cent] but relatively low expenditure [£6.8m], so even though its rate is higher than PIP, it accounts for a similar amount of total unfulfilled eligibility in FYE 2024. Universal credit has a lower unfulfilled eligibility rate than DLA and PIP [1.4 per cent] but its high expenditure means that it also accounts for a similar amount of total unfulfilled eligibility in FYE 2024.'

For more information, see Fraud and error in the benefit system: financial year 2023 to 2024 estimates and Unfulfilled eligibility in the benefit system: financial year 2023 to 2024 estimates from gov.uk
​
​
​
Work and Pensions Secretary Mel Stride has set out the DWP's plans to scale up its 'fight against fraudsters'
New measures include using machine learning to detect and prevent fraudulent claims, as well as introducing a new Bill to enable benefit fraud to be treated like tax fraud.
Issuing a written statement in the House of Commons on 13th May, Mr Stride said -

'In the continued fight against fraud, today the Government will publish a new paper setting out the progress we have made in tackling fraud and error in the welfare system - Fighting Fraud in the Welfare System: Going Further. The paper sets out the progress we have made in delivering the commitments in the Government's 2022 command paper Fighting Fraud in the Welfare System and it demonstrates where we are going further to protect taxpayers’ money from fraudsters.'

Highlighting that the Data Protection and Digital Information Bill, currently before Parliament, will enable the Department to work with third parties such as banks to identify claims that signal potential fraud and error, Mr Stride says that the new measures being introduced include -

• bringing forward a new Fraud Bill in the next parliament to treat benefit fraud like tax fraud, by providing for the ability to make arrests and conduct searches and seizures by warrant;
• exploring a new civil penalty to punish fraudsters, potentially broadening the scope of cases that can receive a penalty when the courts are not prosecuting, and increasing the value of the civil penalty;
• tripling the size of the Targeted Case Review programme to reach almost 6,000 staff with the aim of saving £6.6 billion by 2027/2028; and
• making changes to universal credit including new partly automated checks on self-employed income, new online prompts for claimants to re-declare their circumstances (such as if they have moved in with a partner), and increasing checks on capital when people claim the benefit to ensure they are eligible.

Note: the Department confirms that final decisions on accepting or stopping a claim will, however, continue to be made by a member of DWP staff.
For more information, see DWP updates Fraud Plan from gov.uk
In response to the above article the Disability News Service reported that the government's fraud policy paper ignores coroner’s concerns over review of disabled woman’s universal credit claim. Read the DNS article on disabilitynewsservice.com
​
​
​
Less than half of legacy benefit claimants who were sent a migration notice between July 2022 and March 2024 have made a claim for universal credit, according to new figures from the DWP
However, new DWP statistics also show that 60 per cent of households that claimed universal credit have been awarded transitional protection.
In Completing the move to Universal Credit: statistics related to the move of households claiming Tax Credits and DWP benefits to Universal Credit: data to end of March 2024, the DWP sets out figures for the period since July 2022, noting that -

'In the period covered by this bulletin, the vast majority of migration notices have been sent to tax credit households whose likelihood of claiming universal credit and receiving transitional protection may be different from DWP legacy benefit claimants, the majority of whom had not yet been sent a migration notice in the period covered in this bulletin.'

The statistics include that -

• a total of 824,050 individuals (in 540,070 households) were sent migration notices up to March 2024 - up by around 300,000 and 200,000 respectively compared to the totals for December 2023;
• a total of 400,940 individuals (49 per cent of those sent migration notices), living in 275,980 households, have made a claim for universal credit;
• of households that have claimed universal credit, 166,860 (60 per cent) have been awarded transitional protection;
• a total of 238,990 individuals who were sent migration notices are still going through the managed migration process; and
• a total of 184,120 individuals who were sent migration notices have had their legacy benefit claims closed.

Move to Universal Credit statistics, July 2022 to March 2024 is available from gov.uk
Note: the DWP has also published Universal Credit statistics, 29 April 2013 to 11 April 2024­ which show that there were 6.7 million people on universal credit in April 2024 (300,000 more than the 6.4 million in January 2024) and that half of households on universal credit that received a payment in February 2024 included children.
​
​
Department for Communities also confirms that claimants in receipt of other legacy benefits will be issued with migration notices 'in the coming months'
The Department for Communities (DfC) has confirmed that the 'Move to UC' rollout in Northern Ireland has expanded this week to include people receiving tax credits along with housing benefit.
Announcing the expansion of the process, Deputy Secretary of Work and Health at the DfC Paddy Rooney said -

'We continue to take a measured and carefully managed approach to migrating legacy benefit recipients to universal credit. We have already successfully completed issuing migration notices to tax credit only recipients and we will continue to take every step possible to ensure that everyone receives the help and support they need during this next phase of Move to UC.'

The Department also confirmed that once it has issued migration notices to all those receiving tax credits with housing benefit, the following groups will be contacted in this order -

• people claiming income support;
• people claiming housing benefit only, and those claiming child tax credit with income-related employment and support allowance (ESA); and
• people claiming income-based jobseeker's allowance.

In relation to the bringing forward of managed migration for ESA and ESA/housing benefit claimants in Great Britain, announced by the Prime Minister on 19 April 2024, the DfC says that it is working to assess the impact of this on the region. It also confirms that it will align with the DWP's aim to complete the migration of legacy benefit claimants to universal credit by March 2025.
For more information, see Tax credit with housing benefit recipients next to 'Move to UC' and Rollout of Universal Credit for Tax Credit and Legacy Benefit customers - screening from ni.gov.uk
​
​
​
57,000 adverse universal credit sanction decisions were made in January 2024, according to new DWP statistics
DWP statistics also highlight that around 95 per cent of decisions are as a result of failure to attend or participate in a mandatory interview.
In Benefit sanctions statistics to February 2024, the DWP reports on both the rate and duration of sanctions for universal credit claimants who are in conditionality regimes where they be applied.
Key findings include that -

• in February 2024, 30.1 per cent of claimants were in conditionality regimes that were subject to sanctions and, of these, 6.52 per cent were sanctioned - down 0.64 percentage points from the previous quarter;
• over the last year, 94.9 per cent of adverse sanction decisions were for failure to attend or participate in a mandatory interview; and
• in February 2024, there were 20,000 completed sanctions in the 4 weeks to 13 weeks sanction duration band, 4,800 in the over 13 weeks to 26 weeks duration band, and 4,000 of over 26 weeks duration.

In addition, while the total number of claimants in conditionality regimes where sanctions can be applied has remained largely stable since May 2022 (currently at 1.95 million), the total number of adverse sanction decisions stood at 57,000 in January 2024, the highest since March 2022.
The DWP notes that -

'Comparisons with universal credit prior to February 2024 ... should not be made. This is because the data sources, methodology and rules of the benefits differ from those used for universal credit currently.'

However, it adds that, following the reinstated duration measures and rate methodology improvements, the data is now determined stable and fit for purpose and, as of May 2024, it is published under the 'Official Statistics' label as opposed to 'in development'.
For more information, see Benefit sanctions statistics to February 2024 from gov.uk
​
​
​
DWP has admitted missing multiple opportunities to record the 'vulnerability' of a disabled woman whose death was later linked by a coroner to failings at the heart of its UC system
The Disability News Service reported on the case of Nazerine (known as Naz) Anderson, from Melton Mowbray, who died of an overdose in June last year, after receiving a UC review notice.
According to a prevention of future deaths (PFD) report sent to the department by coroner Fiona Butler, the DWP missed six opportunities to record Anderson’s “vulnerability” on its IT system while it was reviewing her universal credit claim, and had failed to act on the mental distress she showed in phone calls about her claim. It also repeatedly failed to act on requests to direct its telephone calls and letters to her daughter.
The DWP admits multiple universal credit failures before disabled woman’s death article is available on disabilitynewsservice.com
​
​
​
Number of emergency food parcels distributed across the UK by the Trussell Trust has increased by 90 per cent over the past five years
Food charity reports that it distributed more than three million parcels last year, with more than a million of them going to children.
In Emergency food parcel distribution in the UK: April 2023 - March 2024, the Trust says that it distributed 3,121,404 food parcels, the most parcels that it has ever distributed in a financial year, representing a four per cent increase on last year's record-breaking numbers for 2022/2023 and a 94 per cent increase since 2018/2019.
The charity also highlights that the number of parcels provided to children has continued to rise, exceeding 1.1 million in 2023/2024, and that food bank support is provided disproportionately to children, compared to the proportion of children in the UK population. In addition, it notes that pension age households are increasingly likely to need to use a food bank, with food bank support for these households having more than quadrupled between 2018/2019 and 2023/2024 (an increase of 345 per cent), compared to an 81 per cent rise amongst households without someone of pension age.
Also sharing statistics on the reason for referral for an emergency food parcel - which include health, benefit issues, work hour changes, insecure housing, changes in personal circumstances, immigration status and domestic abuse, as well as income and debt levels - the Trussell Trust says -

'Across all households the most common reason for referral was due to issues with income and debt levels. The vital role of the social security system in driving these trends is clear from the fact that the majority (78 per cent) of people referred to food banks were reported to solely have income from the social security system, with a further 8 per cent having earned income as well as income from social security.'

Trussell Trust Chief Executive Emma Revie said -

'It’s 2024 and we’re facing historically high levels of food bank need. As a society, we cannot allow this to continue. We must not let food banks become the new norm ... A supportive social security system is the bedrock on which we end hunger for good. Building on this, we need much more effective employment and financial support for parents, carers and disabled people, and action to ensure everyone can have the security we all need to access opportunities and have hope for the future, through more secure and flexible jobs and investment in social housing. Food banks are not the answer. They will be there to support people as long as they are needed, but our political leaders must take bold action to build a future where everyone has enough money to afford the life’s essentials. The time to act is now.'

For more information, see End of Year Stats from trusselltrust.org
​
​
​
Employment Minister Jo Churchill has provided a House of Lords Select Committee with an undertaking that the administrative earnings threshold (AET) in universal credit will not be increased again without a 'sound evidence base'
However, Minister's evidence to Lords Committee fails to address its dissatisfaction with DWP's explanation for not publishing robust evidence to support previous increases in the threshold.
Further to the Lords Secondary Legislation Scrutiny Committee's report on new regulations that implemented a further increase in the AET from 13 May 2024 - that criticised the ‘inexplicable’ lack of data evaluating previous increases in the threshold in September 2022 and January 2023 - the Committee held a one-off evidence session yesterday to question the Minister and DWP officials.
Introducing the session, Committee Chair Lord Hunt acknowledged that the DWP had agreed to share its informal findings supporting its AET policy. However Lord Hunt added that -

'... similar, no doubt to the material that the Social Security Advisory Committee saw but correctly declined, if information is not available to the House and the public, then we feel unable to consider it either.'

The Committee then questioned the Minister about the Department's failure to publish evidence providing an assessment of the impact of increasing the AET either before or after implementing the change.
In response, Ms Churchill highlighted that the Department did publish a randomised controlled trial evaluation in 2018 providing the highest level of evidence on the impacts of increased in-work conditionality that Ministers have had sight of. When challenged that this evidence is somewhat outdated and 'a bit threadbare' - as it has been relied on for three increases in the AET - Ms Churchill indicated that Ministers also had early sight of unpublished research (a Regression Discontinuity Design (RDD) study) that compares the experiences of claimants who are just below and just above the AET.
When pressed on the expected publication dates for this and further evidence, Mr Churchill said -

'I have asked for [the RDD study] to be available as soon as it can be, and the date I was given was spring 2024 ... I would like it out the door as soon as possible, so you have more data ... RDD is the next piece, the next building block and then, the longitudinal study will come through in 2025.'

Concluding the session with a final question, Lord Hunt, speaking on behalf of the whole Committee, said -

'... we're looking for an undertaking from you, not to further expand the cohort until the Department can publish robust evidence of its effects. Are you able to give us that undertaking?

Ms Churchill responded -

'So are you alluding to us holding 15 hours or with this latest laying at 18? Because I could certainly say to you, I think with all confidence that at 18, we want to understand the iterations and make sure that we've got a sound evidence base from there.'

NB - the increase in the AET in January 2023 was based, for individuals, on the equivalent of them working 15 hours per week at the National Living Wage, and this week's increase to the equivalent of them working 18 hours per week.
Despite welcoming the Minister's reply, Lord Hunt went on to say -

'... we accept your undertaking, except we are still as dissatisfied as we were because you haven't provided, in the view of the Committee, sufficient explanation yet. We are awaiting this robust evidence, which I think that we now expect in June 2024.'

The evidence session Regulations to increase the Administrative Earnings Threshold (Legislative scrutiny) is available from parliament.tv
​
​
Work and Pensions Select Committee has called on the government to bring forward proposals to compensate women born in the 1950s who suffered as a result of the DWP's communication failures when their pension age was increased, and asks that it does so in the current parliamentary session
Committee chair highlights lengthy delay and urgency for affected women and calls on government to act on Parliamentary Ombudsman recommendations before summer recess.
Writing to Secretary of State for Work and Pensions Mel Stride, Committee Chair Stephen Timms requests government support for 'urgent action' following the Parliamentary Ombudsman's final report in March 2024 which recommended a remedy based on level 4 of its severity of injustice scale, putting awards at between £1,000 and £2,950.
Mr Timms says that the Committee does not seek to question the Ombudsman's proposal for compensation at level 4, but instead has focused on what a remedy may look like -

'The evidence we received indicated support for a rules-based system. This would be a system where payments would be adjusted within a range (based on the PHSO’s severity of injustice scale) to reflect the extent of change in the individual’s State Pension age and the notice of the change which the individual received. This would mean that the less notice you had of the change and the bigger the change in your SPA, the higher the payment you would receive. While not perfect, the advantages of such a system are that it would be: quick to administer; applying known data to a formula to determine the amount due; and relatively inexpensive (compared to a more bespoke system).'

The Committee's recommendation also includes some flexibility for individuals to make the case for further compensation in the event that they have experienced direct financial loss, for example where a woman whose divorce settlement was less than it would have been because it was based on the expectation that she would receive her state pension at 60.
Mr Timms also asks the government to consider -

'... the need for urgent action, given that the Ombudsman started to look at this issue in 2018 and that every 13 minutes a woman born in the 1950s dies ... Implementing a remedy will need parliamentary time, financial resources, and the data and technical systems only available to your department. It cannot happen without government support. We would ask you to bring forward proposals for a remedy by the summer recess.'

Mr Timms' letter to the Secretary of State for Work and Pensions is available from parliament.uk
​
​

Back in 2012, I started the process of leaving my abusive ex husband. While his abuse was mostly verbal and emotional, during the divorce, he got physical.
I had filed for default in the divorce and this set him off. He called the bank and had my bank account frozen and then came to my house to take things. I went in the garage to try and stop him and he hit me in the face. I called the cops and he was arrested. I went down to the court house the next day and got a restraining order.
During this time, child support opened a case. This enraged him even more and he made contact via a third party, claiming I was psychotic. I documented the restraining order violation with a police report and went about my life.
A few weeks later, I was out with the kids on the 4th of July, when I got a call from the Sheriff’s Dept. My ex had called them and claimed I was suicidal. They looked and saw I had a restraining order against him so they were calling to check on me. I told them I was fine and I was out watching fireworks with my kids. They said to have a good night. I thought that was the end of it.
About a month later, I had taken an Ambien, but instead of laying down, I did the dishes. Then I couldn’t remember if I had taken my pill or not, so I took it again, not realizing I had already taken it. I was looking over old messages in my email and found an email from my ex. I felt bad about how things were between us. I texted him, “I’m not gonna bother you anymore. Let’s just try to be amicable from now on.” . I put my phone down and fell asleep.
A short while later, I saw flashlights in my bedroom window. I got up to find the Sheriff’s Dept at my door. I opened the door and they told me that my ex had called them and said I was suicidal. I told them I had a restraining order against him. They asked to come inside and I let them in. A fatal mistake.
I explained that things were very stressful between us and that I had texted him I wasn’t going to bother him anymore and requested that we try to be amicable. I showed them my phone. I told them that I had taken an Ambien and went to bed. They asked to see my pill bottle. I gave it to them. They counted the pills and that’s when it was discovered that I took 2 pills instead of 1. The Sheriff wanted to take me to the hospital to get checked out. I cooperated with them.
They called my ex to come and get the kids, but his phone was off. I had to give them his room mates number. I told the Sheriff, “If he really thought I was suicidal, why would he turn his phone off after calling you out here? He is just harassing me.” They got ahold of him, he came and got the kids and they drove me to the hospital.
The hospital counselor comes and talks to me. I explain that I have a restraining order against the person claiming that I’m suicidal. I took the extra Ambien by mistake. It was an accident. I’m not suicidal. I’m under the care of a therapist as my divorce is very stressful. She refuses to call my therapist and instead places me on a 5150 psych hold. Now I am terrified. I’m being locked away at the request of someone I have a restraining order against.
They put me in an ambulance and ship me two hours away to the looney bin. Because it is Saturday, I didn’t see the psychiatrist until Monday. I spent that two days in utter shock. My abuser made me disappear and he used the Sheriffs to help him do it.
Monday comes. I see the psychiatrist. I explain that I have a restraining order against the person claiming I’m suicidal. The Ambien thing was an accident. My therapist can verify everything. He tells me if my therapist backs my story, he will end the hold and send me home. He calls my therapist. My therapist demands that they release me immediately. Psych tells me he will work on getting me out of here.
I used the phone at the nurses station to check my voicemail. I have a vm from my ex’s attorney saying that my ex filed for sole custody of the kids and the hearing was tomorrow. That’s when it hit me. He had me locked away on a 5150 to get the kids in his possession to file for custody to get out of paying child support. I played the message for the nurse. They got my discharge done and got me out of there within an hour.
I showed up to court the next day. His attorney approached me and asked if I would be willing to sign custody over to my ex. I stared at him until he backed away from me. When they called our case, it turned out the filing fees weren’t paid so the court refused to hear the case. We were rescheduled to the next day.
I left the court house, got a letter from my therapist and copies of all police reports. I came back the next morning and provided everything to the judge. The judge refused to give my ex custody and referred us to mediation. He instructed my ex to return the kids to me immediately. My babies were home that night.
After this incident, I was afraid to pursue the restraining order. If he was able to weaponize the Sheriff’s Dept against me in my own home with a restraining order in place, I would never be safe in this town. I had to find a new plan. I had to find a way to leave town.
6 months later, after giving away everything I owned and moving out of my place, I showed up to the court house on a crisp spring morning where I was granted permission to leave the state of California with my babies. We walked out of the court house, got in the car and drove away. We reached Las Vegas by midnight. That wasn’t our final destination, just the first part of our journey. And that is the story of how I escaped my abuser.

The Management Aptitude Test (MAT) admit card for the final May 2024 Internet-based test (IBT) is now available for download.
Important Dates:

• Admit Card Download: Available now.
• Last IBT Exam Date: May 31st, 2024

What You Should Do:

1. Download Your Admit Card: If you’re registered for the May 31st IBT exam, visit the official MAT website (https://mat.aima.in/) and download your admit card using your login credentials.
2. Print and Review: Print a clear copy of your admit card and carefully review the details, including your exam date, time, center location, and reporting instructions.

Ensure You Have:

• Valid ID: Carry a valid photo ID proof (mentioned on the admit card) to the exam center.
• Other Exam Essentials: Refer to the official MAT website for a complete list of permitted exam-day essentials.

Best of Luck!
For those taking the MAT on May 31st, we wish you the very best in your exam. Make the most of the remaining time to focus on key areas and approach the test with confidence.
Note: The MAT 2024 CBT exam will be held on May 26th and the PBT exam on June 2nd. The admit cards for these exams will likely be issued a few days before their respective dates. You can monitor the official MAT website for updates.
We hope this update helps you navigate the next steps in your academic journey. For more update visit only education

[Eöl] shunned the Noldor, holding them to blame for the return to Morgoth, to trouble the quiet of Beleriand; but for the Dwarves he had more liking than any other of the Elvenfolk of old.
Welcome one and all again to the 2024 Read-Along and Discussion of The Silmarillion here on tolkienfans. For Week 20 (May 12-May 18), we will be exploring The Quenta Silmarillion (The History of the Silmarils) chapter 16, "Of Maeglin."
​
Aredhel, the daughter of Fingolfin, resided awhile in Nevrast with her brother Turgon, but later went with her people to dwell in the hidden city of Gondolin. However, she soon wearied of her hidden life in Gondolin and was permitted to set out purportedly to visit with Fingon in Hithlum with three lords of the household of Turgon. Upon reaching the Ford of Brithiach, she commanded her companions to instead turn south in the hope of passing through Doriath to eventually find the Sons of Fëanor, "her friends of old".
Upon arriving at the borders of Doriath, they were refused entry by King Thingol. And so Aredhel and her companions instead sought the dangerous route between the haunted valley of Ered Gorgoroth and the northern edge of Doriath. This passed through the land of Nan Dungortheb, where Aredhel was separated from her companions. They searched but could not find her, and barely escaping death themselves returned to Gondolin to share their tale, and there was great sorrow at the assumed fate of Aredhel.
But Aredhel, having lost her companions, continued on and eventually arrived in Himlad, where she was welcomed by the people of Celegorm and waited for his return. There for a while she was satisfied, but as the year lengthened, she took to riding further afield, seeking new and unknown paths and fields. By chance, she crossed into the forest of Nan Elmoth, where dwelt Eöl, who was named the Dark Elf. In earlier days, he was of the kin of Thingol, but he had left Doriath and fled to the shadows of Nan Elmoth. He loved not the Noldor, but learned from the Dwarves much skill of metalwork, and was often a guest to the halls of Nogrod and Belegost. He espied Aredhel from afar and desired her, and ensnared her in enchantments so she could not find the way out, but instead came deeper into Nan Elmoth. Being weary, she finally came to the halls of Eöl, and he welcomed her, and took her for his wife, and it was a long time before any of her kin heard rumour of her again.
Though at Eöl's command she was required to shun sunlight, it is not said that she was completely unwilling to their union, and in the darkness of Nan Elmoth was born their son, who, in her heart, she named Lómion, which means "Child of the Twilight" in Quenya. But Eöl gave him no name until he was twelve years old, at which time he named him Maeglin, that is "Sharp Glance".
As Maeglin grew to full maturity, he resembled, in face and form, one of the Noldor. But speaking few words, except in matters important to him, he resembled his father in mood and spirit. Often he went with Eöl to the cities of the Dwarves, and learned much from them, especially the craft of finding ores and metals in the mountains. Yet he loved his mother more and would often listen to her tales regarding the Noldor, and the valour of the House of Fingolfin, while Eöl was abroad.
In speaking of her kin to Maeglin, Aredhel desired to see them again, and these tales stirred also in Maeglin the desire to see the Noldor. But upon revealing his inner wishes to Eöl, his father became infuriated, and threatened to bind his son if he would associate with the Noldor. Maeglin became cold and silent, and no longer went abroad with Eöl, and Eöl mistrusted him. One midsummer, Eöl went away to a feast in Nogrod. During this time, the desire grew hot in the heart of Maeglin to leave Nan Elmoth and look upon his mother's people and to seek the city of Gondolin. Seeing this, Aredhel was glad and they departed, telling Eöl's servants they sought the sons of Fëanor.
However, Eöl returned earlier than anticipated and found his wife and son two days gone. He set out immediately in wrathful pursuit. On entering Himlad, Eöl was ambushed by the riders of Curufin, and was taken to their lord. Curufin mockingly asked Eöl what urgent matter brought him to his land, and Eöl told him that he wanted to join his wife and son on their visit to him. Upon learning from Curufin that they turned westward, travelling along the northern fence of Doriath, Eöl asked leave to discover their purpose. Curufin instead coldly bid him go back to Nan Elmoth.
Thus Eöl rode off in haste, full of shame and anger. He perceived that Aredhel and Maeglin were heading towards Gondolin and rode after them. As the two arrived at the Outer Gate of Gondolin, they were received joyfully and passed inside the Hidden Kingdom, where Turgon listened with wonder to the story of his sister, and gave Maeglin the highest honour in his realm. Eöl watched them from afar and followed them to the city, but was taken in by the Guard, and was brought before Turgon after claiming to be husband and father to Aredhel and Maeglin. Aredhel confirmed this and Turgon welcomed Eöl as his kinsman, giving him leave to stay in Gondolin. But Eöl insulted the King, and bid Maeglin to "leave the House of the slayers of his kin, or be accursed". Maeglin did not answer.
Turgon then set a choice before Eöl and Maeglin of either abiding in Gondolin, or dying in Gondolin. Eöl stood a long time in silence, before he abruptly took a spear from under his cloak and threw it at Maeglin, crying "the second choice I take, and for my son also! You shall not hold what is mine!" But Aredhel came between the spear and Maeglin, and was struck. Eöl was restrained, set in bonds and led away. However the tip of the spear was poisoned, and Aredhel died in the night. Eöl was brought before Turgon and no mercy was shown to him; he was led to the Caragdûr, a precipice upon the northern side of the city, to be cast down. Maeglin stood by in silence, and Eöl cried out "so you forsake your father and his kin, ill-gotten son! Here shall you fail of all your hopes and here may you yet die the same death as I". And he was cast over the cliff-edge. Thus ended Eöl, Dark Elf, of the shadows of Nan Elmoth.
Maeglin grew great in stature in Gondolin, and was high in the favour of Turgon. He rose to be mighty amongst the Princes of the Noldor, and was the greatest other than Turgon in the realm of Gondolin. And yet not all things went as he would have liked, though he did not reveal his heart. For from his first days in Gondolin, he loved Idril Celebrindal, his first cousin, and desired her, but without hope. For the Eldar did not wed with kin so close, and further, Idril loved him not at all. Maeglin's love turned to darkness, and he sought more to have his will in all matters, no matter the cost to him, if it might grant him more power.
And so it came to be that in Gondolin, at the height of all its bliss, majesty, and beauty, a dark seed of evil was sown in the heart of Maeglin.[1]
Of Maeglin at The Lord of the Rings Wiki: This chapter introduces Maeglin, and his father Eöl, and tells the history of Maeglin's life from his birth to his becoming a citizen of Gondolin. Also in this chapter is the death of Eöl.
Chapter discussion at Entmoot TolkienTrail.
Chapter discussion at The Barrow-Downs.
Questions for the week:

1. Eöl is described as grim -- "his eyes could see deep into shadows and dark places." Does this just mean his eyes have adjusted to life in the dark, or is there also a hint of his being able to see beyond what is there, in a "foresight" or "farsighted" kind of way?
2. Maeglin and Eöl argue because Eöl won't let him see his mother's kin which causes a major rift between the two. Why did Eöl object?
3. What is significant of Maeglin's given name of Lomion, i.e. "Child of the Twilight" by his mother, Aredhel, but at age 12, Eöl named him Maeglin, i.e. "Sharp Glance".
4. Why did Eöl have more liking for the Dwarves "than any other of the Elvenfolk of old."?

For drafts and history of this chapter see The War of the Jewels, "Part Three: The Wanderings of Húrin and other Writings not forming part of The Quenta Silmarillion", Chapter III, "Maeglin)", pp. 316-339.
For further history and analysis of this chapter, see Arda Reconstructed (by Douglas Charles Kane), p. 155.
Be sure to have your copy of The Atlas of Middle-earth by Karen Wynn Fonstad on hand as you go through this chapter.
Some Tolkien-related hangouts on YouTube (relevant to this week):

• Nerd of the Rings This episode: Maps of Middle-earth: The First Age The Silmarillion Explained
• Nerd of the Rings This episode: The Origins of Melkor Tolkien Explained
• Nerd of the Rings This episode: The History of Morgoth [COMPILATION] Tolkien Explained
• Nerd of the Rings This episode: Eöl the Dark Elf Tolkien Explained
• Tolkien Untangled This episode: The Return of the Noldor Of the Lords of Beleriand : Silmarillion Explained - Part 2 of 10
• Ælfwine's Road This episode: Silmarillion Summary: Ch. 16 - Of Maeglin [19/31]
• Voice of Geekdom This episode: Chapter 16.1 - Eöl the Dark Elf, and Aredhel, White Lady of the Noldor Silmarillion Explained
• Voice of Geekdom This episode: Chapter 16.2 - The Rise of Maeglin Silmarillion Explained
• The Tolkien Road Podcast This episode: Silmarillion 2022 Ch 16 » Of Maeglin
• The Tolkien Road Podcast This episode: 0047 - The Silmarillion - Chapter 16 - Of Maeglin
• The One Ring This episode: Tolkien’s Disney Princess!? – Of Maeglin – The Silmarillion – 18

The Silmarillion Reader's Guide at Tea With Tolkien.
The Silmarillion Reader's Guide by askmiddlearth on Tumblr.
Quettaparma Quenyallo (QQ) - The most extensive list of Quenya words available on the internet, by Helge Fauskanger, 1999-2013.
Tolkien Collector's Guide - Guide to Tolkien's Letters
A (Hopefully) Light Guide to the Silmarillion — Or What I Wish I’d Known Before Reading It by u/Ok_Bullfrog_8491/
The Definitive Family Tree of the Tolkien Legendarium by u/PotterGandalf117
Wikipedia - The Letters of J.R.R. Tolkien
Announcement and Index: (Take 2) 2024 The Silmarillion and The Fall of Gondolin Read-Along

Let’s make it aware that there is a job offer scam that lies and take you to Scam Factories and you become a slave, and you may even die. Post here all cases of Disappearance of people who may be associated with this type of scam.

Know The Signs! Have you been trafficked? * Did you apply for the job via Social Media (e.g. Facebook, Instagram), WhatsApp, Telegram or an online platform? * Did you have an online interview? * Have you been promised a job with a company in Thailand? * Were you promised a lucrative salary? * Did you receive a letter of confirmation for your new role? * Did you investigate the company you applied to and are they registered? * Do you have an agent or consultant handling details for you?
How to prevent yourself or someone you know from being trafficked * Never give anyone your passport! * Research the company you are applying to join. For example, check their website, search for them on social media and LinkedIn, check the legal registration of the company. * Ask for references (face to face or virtual) from current employees. * Ensure you received an official letter of offer and check the email addresses match the companies contact information. * Research the visa requirements for working in a foreign country. * Notify your countries Immigration Office of your intention to travel or contact your countries Embassy once you arrive at your destination. * If you are about to cross a river in north-west Thailand don’t, it is likely you are being trafficked into Myanmar.
Could this be your situation? If you or someone you know has been trapped in forced criminality, contact your nearest embassy or email the Global Alms Counter Trafficking Unit at admin@globalalms.com with the details.

This is a post for awareness. Let’s help each other. Only serious comments.
Below are more links to other related posts.
https://edition.cnn.com/interactive/2023/12/asia/chinese-scam-operations-american-victims-intl-hnk-dst/
http://chinascope.org/archives/32233
https://youtu.be/m6qFCdHvYuI?si=rs2J71V1XIeFF7we
https://www.reddit.com/Thailand/s/L8OTm9Lvye
https://www.globalalms.com/protection
(My account created recently for privacy/scam concerns)

Hi All, long time lurker, just wrote up a post but somehow it vanished while typing. I used the search and the sub knowledge base but didn't see my question. Looking for some guidance/advice or a success story.
I recently went to a Veterans Center to see if I was eligible for counseling. While there, I shared some traumatic experiences over my 30 year Army Reserve career. The Advisor encouraged me to file a claim for PTSD/Anxiety/Depression.
I retired from the Army Reserve in 2013. In 2008, I was promoted and, that summer, received orders for a 6 week qualification course for my new position. When I returned to my civilian job, my supervisor and manager retaliated in every way possible, making the workplace and life a living hell. My primary care doc knew what was going on and prescribed antidepressants and anti-anxiety meds just so I could get through the workday and not harm anyone or myself. In Jan 2010, my supervisor and manager did something that caused me to have a total stress breakdown. My doctor took me out of work and referred me to the outpatient psych clinic. I was in a really bad way and remained out of work and taking meds and getting treatment for almost 2 years. I won't bore you with all the details, but I was pissed that I burned all my vacation and sick accruals for something they could have prevented. I filed a worker's comp claim which my employer challenged and I won. The judge wrote in the decision, "There is disparate treatment... because she serves in the Army Reserves...She was singled out and harassed due to her military service... her supervisor retaliated against her because she took military leave in 2008... (she) was exposed to a pattern of harassment and retaliation due to her Army Reserves service and an increased level of stress..."
I have a load of civilian medical records related to this, and I believe the psychotherapist (PhD) that I saw for 3+ years would write a nexus letter for me but according to everything I've read, I'm not sure I have a "nexus" to connect PTSD to the military. I was IN the military, and what happened at my job was because I was fulfilling my military obligation, but can I actually make a "service connection" if the stressor occurred at the hands of my civilian employer and not actually the Army? How might that read?
I had stress in my military position-- I lost a deployment opportunity and my records landed in front of a retention board and they were going to chapter me out because of my psych profile, causing me to fear I'd lose my Army career and pension. I was stressed out all the time worrying that I'd be asked to do any additional or special duty outside of drill weekends (my position required a lot of travel) due to fear of how my civilian employer would react or retaliate if I presented orders. When confidentiality was broken and my psych profile/issues were revealed to Soldiers not in my reporting chain, that led to a lot of embarrassment probably other things I'm forgetting.
Is there any hope I might be able to make a nexus-worthy connection between my service and my PTSD/Anxiety/Depression diagnoses when the stressor(s) actually primarily occurred in the civilian workplace?
Thank you!

Sometimes I feel the answer on study hall is wrong. Why so? Like this question Please help analyse why SH hall answer is correct? Even ChatGPT picked my answer
Why is option C correct please ? I choose A.
Key Factors Considered by Visa Officers 1. Purpose of Visit: * Clearly state the purpose of the visit. If the purpose is to visit your friend and get married, provide details of the wedding plans and any arrangements made. 2. Proof of Ties to Home Country: * The fiancé must demonstrate strong ties to Nigeria that will compel him to return after his visit. This includes: * Employment: Provide a letter from his employer stating his position, salary, and approved leave. * Property: Evidence of property ownership or a lease agreement. * Family: Documentation showing family ties in Nigeria. * Financial Stability: Bank statements, savings, or investments that show financial stability. 3. Financial Support: * Show that he has sufficient funds to cover the cost of the trip, including travel, accommodation, and other expenses. This can be demonstrated through personal bank statements, a letter of financial support from your friend, or a combination of both. 4. Previous Travel History: * A history of travel to other countries and compliance with visa conditions can positively impact the application. 5. Invitation Letter: * A detailed invitation letter from your friend (the sponsor) in Canada, outlining the purpose of the visit, relationship details, and assurance that he will be accommodated and supported during his stay. A project team is working on backlog items within a four-week sprint. Suddenly, a critical team member announces that they will unexpectedly be absent for one week, leaving ongoing tasks incomplete. What would be the most appropriate action for the project manager to take in this situation? A. Support a knowledge transfer between the team member who will be away and the other project team members. B. Add a temporary resource to the team to help increase velocity and complete the items for this sprint. C. Remove a few items from the current sprint after getting the approval of the product owner. D. Increase the sprint duration so the team can complete all the planned items and present them to the product owner.
Answer from SH:Solution: C. Remove a few items from the current sprint after getting the approval of the product owner. Removing a few items from the current sprint, with the approval of the product owner, is the most appropriate action this situation. It allows the team to focus on completing the most critical and valuable tasks within the sprint's original time frame. The other options are incorrect because they are not as suitable for this scenario. Knowledge transfer takes time and may not be feasible given the sudden and unexpected nature of the team membe absence. Knowledge transfer is a good practice in general, butit may not be the most appropriate action for this spec situation. Adding a temporary resource to the team is not the most practical option and may not be efficient or cost-effective for such a short duration, and it could disrupt the team's workflow. ' Changing the sprint duration disrupts the sprint planning and review process and can lead to various issues, including reduced predictability and potential scope creep. This question and rationale were developed in reference to: The Agile Practice Guide (No Date) PMI/PMI/5.2.6 PLANNING FOR ITERATION-BASED AGILE/55 [Item]

1330 Terran Front Fleet Time
On the Turinika homeworld, the first signs of unrest began to manifest like a wave, The broadcast of the most esteemed Tizikikoonazikiakakiatkata, Taratanti of the roost Kazatalak, openly performing the act of Kavsa had been met with shock. The last Taratanti who had voluntarily performed Kavsa had done so in protest of the treatment of the Kulorn caste, nearly two thousand years prior. It was an ancient rite, one that signified rejection of the greatest shame. Even more shocking than the act itself was the evidence that had followed it. Visuals of species, brought into the Conclave, not as migrant workers as had been believed, but as slaves, was met with an almost immediate attempt at censorship. This attempt failed spectacularly, mostly due to those who had been tasked to censor the information not only refusing to follow the command, but openly declaring that they had been ordered to do so. A situation that was already, as the humans would say, out of hand, spiraled completely out of control. Within only twenty minutes of the ending of Tizikikoonazikiakakiatkata’s broadcast entire cities entered a state of absolute anarchy. Two planetary capitals were stormed and taken by the furious civilian population, demanding the location of those who had been enslaved. The Turinika Armada, which even then was in the middle of a training session meant to prepare the fleet to withstand the Terran Front’s assault, began to cease operations. Within the hour, the entire armada would be recalled to the turnika homeworld. Those who did not take to the streets simply stopped whatever work they were doing and went to their homes to be around their brood. Images of Tizikikoonazikiakakiatkata with his stripped wings spread wide in front of the human fleet commander were on every news fed of the Conclave, as was the sound of his thunderous voice, and the wails of despair from a turinika female that couldn’t be seen. Close ups of the human fleet commander’s face were shown, with analysts remarking on the shock, horror, and sympathy. Since the outbreak of the Seventh Orion War, the female human known as Simmons had been reported to have made several threats towards the turinika, she had quickly become seen as a warmonger, ready to take revenge against the turinika for refusing to go to war and violate their principles of pacifism. Now the images of her lunging forward to stop the violation of Tizikikoonazikiakakiatkata’s plumage, the agonized expression of her face, and the true reason for her threats against the turinika were rapidly reversing her image. On far flung deep core mining stations and agricultural stations, on deep space stations dedicated to material processing, and in other areas hidden from the sight of the normal turinikan population, overseers and taskmasters felt their hearts run cold at the knowledge that very soon, their part to play in the willful enslavement of another species would be known to the wider Conclave. As the data package transmitted alongside the broadcast were fully decompressed and the scale of the Conclave’s government’s involvement was revealed, the entirety of the Conclave itself was teetering on the verge of absolute pandemonium. The image of a member of the kolra species, from the look of it barely a hatchling, quickly was becoming the face of the entire incident. The picture was absolutely damning, and the sight of the image had sent any who saw it instantly into contorting and painful displays of shame. The young kolra was sprawled on it’s stomach, looking to the one taking it’s picture with eyes that had no life in them. It’s shell covered it’s back, and despite the age of the kolra it was already dulled and scuffed. The foot pressing down on the shell was unmistakably familiar to those who saw it, the clawed feet of a turinika. Within the hour, billions of winged figures stood in streets, the normally soft spoken and passive species demanding action, demanding justice, on the hundred worlds of the Turinika Conclave. The bulk of the Taratanti caste, most of whom had been left in the dark of the truth of the situation, quickly went public with their own declaration of outrage, and the eyes of the entire species turned inwards to the mountainous homeworld of their species.
Hakuri Watanabe looked down at his helmet before putting it on his bed, the stylized SEVEN seeming to stare at him. He sat down in his chair and picked up a small cloth from his buffing kit. No one knocked on his door, in fact, mostly he and the rest of his squad were left alone before a major operation. They were just given their time, time to mentally prepare. Some of his squad would go over their mission briefing, some, like him, would spend their time doing something to relax themselves. Hakuri always found that taking care of his suit calmed him considerably. Granted he could simply turn it over to the squads armorers to be tended to and they would do as good of a job as he could, but he preferred it to be done by his own hand. The symbol of a triangle was on his form fitting shirt, the symbol of his special operations command unit. He was known as a Myrmidon, but the official title of his unit was Section Three. He knew this, his superiors knew this, and as far as Hakuri knew, most of the Terran Front was aware of his unit’s existence, but past that, they knew very little about what he actually did. As far as his mother knew, Hakuri was a pencil pusher onboard the TFS Berlin, the troop mothership that all of his letters were sent from. He thought about writing her, but then again, he only liked to do that when he returned from a mission, not when he was expecting to go to one. If he tried to write her when he was waiting, he would just get anxious, and homesick. That wouldn’t do when he was dropping into a combat zone. That wouldn’t do at all. Hakuri instead started to buff his helmet, waiting for the word to come down which meant they were prepared to jump. A glance at the clock made him pause in his circular rotations. The clock said 1330. Operation Naked Sun was about to begin.
Tika was on his side, Kzia standing at the end of the medical bed that had been adjusted for his turinikan physiology. He felt cold in more ways than one. For his people, clothing was more of a decoration than a necessity, but without his protective plumage he felt the cold stabbing him through to his hollow bones. His diplomatic access was already gone, his privilege access revoked. He heard the broadcast for a preparation to jump, but he wasn’t truly listening. There was no question in his mind he had made the right decision. There was no question at all. One of the humans, a nurse, came to his side and gently laid a heavy blanket over him. The human’s hand lingered on his trembling body for a few moments before it was removed, and Tika glanced in their direction. The female was one of the ones who had responded first to the call for medical service for him, had heard what had happened and why. Tika had gotten very used to being glared at on this ship. He was hated, and he knew it. He knew he had deserved it. He was a party to the vral’s enslavement of the humans, the chua, and far too many others. When he had come to Thermopylae station, he had not even given that fact a single thought. He was born into power, being of the Taratanti. He belonged to the most powerful species and government in the entire quadrant of the galaxy. His people, while mighty, did not seek to use it. To him, they had simply been above it all. When the vral had approached him with the offer to sell captured species at first TIka had wanted to reject it out of hand, but a few had told him to go through with the sale. Such was the nature of this galaxy, or so he had believed. The weak were at the whims of the strong, and one’s place in the galaxy was determined only by the power they could wield. The turinika were not nearly the first to have taken a species and used it for slave labor, and while Tika did not approve of the deal, he had not fought it either. As he looked back to the wall, he remembered what the humans had taught him these last days. When he had arrived in Thermopylae he had assumed he would find the chua species to have been at the very least regulated to a subservient role, if not outright enslaved. Finding them sharing power was a curiosity. He had expected to be treated with all the honor and dignity that his station demanded, that the power of his government demanded. Fleet Marshal Simmons had disabused him of that, and had left him humiliated and shamed. As he had laid in the dark as Simmons had declared the Seventh Orion War, covered in his own filth, feeling as if at any moment he was going to be killed he knew true fear and horrific uncertainty for the first time in his life. He had never faced these emotions, these sensations before. He had always been in power. He had stood with the full might of the Turinika Conclave behind him. He had never known anything other than the superior position. Now, as he lay in the hospital bed, staring at the wall, he was ashamed of how arrogant, how blind, and how short sighted he had been. After he had risen from his own filth, he had desperately tried to convince his leadership of the strength of the Terran Front, how it matched or eclipsed their own. The Conclave was not the unchallenged power in the quadrant anymore. The terrans, the human and chua, had somehow defied fate. They had not fallen to the vral after ninety years of near constant conflict, and now if Tika was right they had come out of it nightmarishly stronger than before. Tika had actually begged to be heard by his superiors, and he had never come close to that once in his life. The chua homeworld however, had fully broken him. If he had not been on the Antares, had not been humbled beforehand, he knew that he would have just clapped his hands together and said that it was delightful. As the transmission from the chua homeworld had come in, and the rescue effort had begun, he could only wallow in his own shame. He had profited directly from the chua’s suffering, the human’s suffering. Again he had tried, and failed, to convince his people, and again he had failed. Being on the Antares, for him, was torture. The lights were too dim, every human and chua looked at him with nothing more than loathing and contempt, his entire worldview had been shattered from the way he viewed the galaxy to his own place in it. Every time he closed his eyes he saw the shadow of Simmons standing over him, her voice cold with a lethal rage, hearing her voice echo in his mind, seeing the glint from flashes of light shining in her eyes. ‘We Know.’ echoed in his mind in his sleep, the voice of the terrifying Fleet Marshal transforming into the sound of a vengeful god demanding compliance and promising retribution. Then he had watched the humans and chua, who he knew were preparing to go to war with his people, celebrating the return of the shesvie. Once more he had expected them to be integrated into the Terran Front, but as soon as he learned Simmons offer to them, and what it had entailed, he had been called to his room to answer the latest message from his people. Once again, his people had doubled down, the knowledge of the enslavement of the humans had been suppressed, and once more Tika found himself, and his people, standing against a Terran Front that had every justification to declare war, to right the wrongs that had been done to them. All the while, he knew something else. He knew that, after everything he had seen, that his people would lose. The turinika had not been to war for nearly two thousand years. His people were not ready for what the Terran Front could do, and after seeing what they had done to the vral so far, he knew his people were not ready for what the Terran Front would do. He was afraid of the dark. Tika was absolutely terrified of it now, because now he knew the monsters were real. Simmons had shown him that, but the humans, the chua, they were not the monsters. He was. He had refused to be one any more. He had announced his intentions to his staff, who had squalled in rejection, all but three. Kzia was the first to step to his side, Kikumot and Tziki had stepped forward as well. Never, in his most nightmarish dreams, did he ever think that he would stand in front of Simmons and voluntarily have his plumage stripped from him, performing the act of Kasva. He never thought that his staff would have ever compiled and transmitted the data package they had sent. He had never thought that he would betray his people, if only to save them. Simmons had changed that, the humans had changed that. He knew the terror of the dark, he knew fear for his people’s safety, he understood the horror of war, and for the first time in his long life he could truly look back at every interaction he had had, with every species, that had asked for help in their struggle for survival against the vral and truly understand their fear and desperation. Now he lay, his plumage stripped from him, his station revoked, his status removed, surrounded by a people who despised him. He wouldn’t have it any other way now. He knew that they would listen now, if not to him, then to the civilian masses of the Conclave that would not stand for what they had done. He prayed to the Great Mother often now, shivering in the dim light, hoping that it would be enough. He had been wrong, and in his error he had sullied his own people. He had made them complicit. Even now, he did not know how they would ever be forgiven, because right now he wasn’t quite sure he could ever forgive himself. As he heard the broadcast calling out on the ship, announcing one minute to jump, he felt a hand on his side, and looked up to the human nurse. She was smiling at him. Not a smile born of malice, or anger, but a genuine smile. She patted his side lightly, then turned to walk out of the room. For not even the twentieth time since he had come onboard Thermopylae, he was mystified by these people.
The bridge of the Dhampir was thrumming with music and the vibrations of the reactor and Conrad leaned forward in his chair mount, his eyes almost feral as he looked at the empty space that was the mandeville point. He was positively chomping at the bit. Batz was positively roaring the lyrics to the song that was blaring over the ships speakers. Rev and Dev sat side by side in their mounts, throwing their hands up in time with the pounding bass beat of the sound. Towns was the only one besides Conrad that was quiet, both of them looking towards the mandeville point with complete impatience. Conrad felt like jumping from his skin. Fidget, well, fidgetted, holding his hands over his headset and listening as if he were trying to hear secret messages in the music. They were ready, their pulses were racing. The crew of the Dhampir was positively vibrating. Conrad looked to the shipboard clock, seeing 1330 displayed, and his head snapped to Fidget, waiting for the word. They were going to run, they were going to chase, they were going to hunt.
Vicky sat back, looking towards Jess and Kukat as they slept. Jess was in her chair, Kukat in her medical bed. Vicky glanced back at the block print on the paper and read it for the fifth time. She read the individual lines, one at a time, cursing their existence. After reading through the message printed she let her hand hang again. Kukat would be released from medical tomorrow, and both her and Jess still thought they would be boarding the Thumper to join the Vellacore once more. Jess had talked non-stop about her quarters on the Vellacore the past few days, how she just wanted to be back in her room. Kukat was equally excited. Only Vicky didn’t share their excitement. They didn’t know yet. They didn’t know about their battlefield promotions, they didn’t know about their reassignments, they didn’t know the days of them working together were functionally over. Vicky looked down at her hand holding the paper again, and felt like crumpling it. She had lost her crew. She had lost them not due to negligence, or time, she had lost them to fame. Kukat was to be promoted to ensign, and was to be the sensor officer on the destroyer Hadrian, Jess was getting the same promotion, her station on the cruiser Victorious. Vicky? She was the sparkling new commanding officer of a destroyer that was arriving at Thermopylae in two days, the Quarrel. She never wanted this. She had turned down promotion after promotion that would take her from the cockpit of the Thumper, away from Kukat, away from Jess. She wanted to serve in this war in her own way, as a pilot, with the two who had made her life so enjoyable. Now though, they were to be split up, and there was nothing she could do about it. These promotions hadn’t come from simple seniority, they had come from High Command, as had the orders. Tomorrow, when Kukat was released, they would be ushered into the hanger bay of the Barrowmore. They would all three be awarded the Star of Terra, then they would be reassigned. Tonight was the last night they would all be together. Vicky wanted to wake them up, she wanted to tell them, to give them a chance to process it. As she looked to Kukat and Jess she couldn’t bring herself to do it. She held up the letter again, reading the first few lines, then she felt the sting of tears in the corners of her eyes. She looked away, her heart panging with sadness, and stared at the wall. The clock read 1330.
Corporal Brandy was sitting on the small rack, with Janet Shippen sitting between his legs using his thighs as armrests. They were both dressed for the first time in the last few hours, both of them staring at the clock. This close to the reactors they could feel them beginning to spool up for the trip through hyperspace. When the news of the operation had come down they had elected to spend as much time together as possible, which Brandy had enjoyed to no end, and he had made sure Janet had as well. Brandy had even taken some time to reach out to his sister Victoria, a rarity for them both, as since they were children they were often barely able to speak to each other simply due to schedules. He had even told her about Janet, and although he hadn’t gotten a response from his sister yet he already knew what she would say. Janet nestled back against him, but he could feel her body was stiff. Neither of them knew what the next few months were going to hold. Their time together might be constricted, in fact, this might be the last few moments they were together for quite awhile. Brandy’s Ghouls were specialists, ship boarders. Chances are he was going to be extremely busy, as was she. He didn’t quite know how he felt about Janet, but he did know that beyond a shadow of a doubt he didn’t want to be away from her. Judging from how she was acting, she felt the same as him, conflicted about her relationship with him, but not wanting to be apart. He knew what he needed to tell her, that he had to get up, that he had to leave. The Ghouls were going to be assembled at 1345, ready to board. Her unit was going to be prepared at the same time, to begin taking on salvage. Her hands were like clamps on his legs, and from how tense she was, he wasn’t going to get up until she was good and ready. The clock on the wall switched to 1330. He stared at the clock, feeling like the clock was mocking him, when suddenly Janet leaned up and turned. Her hands took hold of his shoulders and she threw her body against his, her lips finding his own. Her arms wrapped around her frame and he tightened his grasp on her.
Simmons spread her hands over the panel in front of her, looking at the table. Seven points connected the recently reclaimed chua space to what was former Shesvie territory, and beyond that, the heart of the Vral Empire. Her lip curled in a wicked smile, On the digital display of the table the hyperspace lanes, and more importantly, the avenues of attack her fleet was preparing to take. She held out her hand, all five fingers splayed over the lanes, envisioning the war as it stood now. The war to come. Seven hyperspace lanes, seven systems, branching out into sixteen, branching out again to another twenty. The Antares herself was going to link up with the Barraki, and was set to simply plough through the next five systems to do so. Slowly she tightened her hand into a fist as she looked along the hyperspace lanes, seeing task forces lined up and ready to jump. Drones had already been sent through. The vral had forces along the border, but nothing that could withstand what was to come. Her fleet was ready. She was ready. The Seventh Orion War was at the end of it’s first month, and had taken back six systems. The first moves of Operation Naked Sun would double that and exceed it, then double it again. She had already given her speech, her task force commanders were ready. High Command had taken it’s time making this decision, and while she had railed against the delay that didn’t matter now. All along the front, individual task forces were joined into larger fleets, ready to jump into the next system and eliminate any vral defenses, but unlike now, they simply would not wait. Naked Sun was to be a lightning strike to cut off as much of the Vral Empire as possible, to deny them their own space, to imprison them on their own worlds. Task Forces were designed around three types of vessels combinations, Lighthammer Task Forces were comprised of corvettes and fast destroyers, the fastest vessels in the fleet, meant to take systems quickly, to devastate unprotected infrastructure, and to eliminate light resistance. Simply put, they were going to swarm into vral space, determine pockets of resistance, and move on. They were going to rip entire sections of vral space from them, calling in other task groups if needed. Thunder task groups were the primary capital fleets, meant to be sent into those pockets of resistance, and neutralizing them, joining with the Lighthammer groups if needed. The cruisers, carriers, battleships, they all belonged to these task forces. Her own task force was called the Nova task force, and it comprised only the Antares and it’s sizable fleet escort. Simmons glanced up at the clock, the time was 1329. She breathed in slowly, then unbidden the thought came to her head and she looked to the report from the two habitable planets that had been scanned by the drone cutters, the information having been relayed to her almost twenty minutes prior. She was not worried about the ground campaign, in fact a reserve fleet from Thermopylae would be the ones to escort the landing ships from planet to planet that her fleet left behind in it’s wake, isolated and defenseless from the wider Vral Empire. Fleet escorting was no longer her job, protecting ground invasions were no longer her job. Simmons was positively growling now, as her only job was to take her fleet and use it to rip the vral out of the stars. Still, the thought nagged at her. On both of the planets that her fleet was set to overrun, there were Vral ships in orbit. On the first, there was evidence that the Vral had been bombarding a small area of the surface, extremely similar in size to the hole that now existed on Zvitia, the planet that even now was being integrated into the Terran Front. In the second system it showed Vral ships in orbit, but whatever they were doing during the time they had taken the scans, whatever they were covering up, they didn’t seem to have gotten to it yet. On the radiological scan of the planet a massive bloom of electromagnetic energy painted a broad region of the planet blistering white. She had sent the images back to Earth, back to High Command, but no one seemed to know what was happening. The one thing that every analyst agreed on so far that was that whatever the blooms represented, it meant nothing good. She took another long look at the radiological scan, seeing the intensity of the radiation, and her lip curled in a snarl. She couldn’t think about that right now, but orders had already been given to notify her the moment that they had taken a planet that still bore the radiation signal. The vral were being damned fastidious about it though. She pulled her thoughts away from it, looking back to the hyperspace lanes. The slow grin entered her features again. She glanced at the clock. 1330. Her hand took hold of the receiver next to her station and she pressed the transmission stud, knowing that Hazard had already opened a channel to the wider fleet.
“Commence.”

Welcome to the Reverse: 1999 Daily Questions Megathread!

Please use this thread to ask any general inquiries about Reverse: 1999. Also, kindly search keywords under this thread as your questions may have already been answered by other Timekeepers.
Community Guides

• General Community Guide (tierlists, teambuilding, puzzle solutions, etc.)
• Income/Saving Guide
• Prydwen (tierlists, guides, character info, etc.)

Cheat Sheets

• 6-star Psychubes
• 5-star Psychubes
• Investment Priority
• Farming Stages
• Resonance Builds, Resonance Costs
• Material Crafting Requirements

Tools

• Planner & Summon Tracker

Wiki Pages

• Reverse: 1999 EN Wiki
• GameKee CN Wiki
• HuiJi CN Wiki
• bilibili CN Wiki

Frequently Asked Questions (FAQ):
Q1. Should I re-roll?

• This depends on how much time you have to dedicate to re-rolling. In general, all three of the beginner banner characters are great, and you have options of doing shortelonger re-rolls, as per this guide.

Q2. Why is my answer incorrect in for the trail puzzle?

• Try to answer with proper letter casing - the answers are case-sensitive.

Q3. When is the daily reset?

• The game resets at 10:00 UTC, please refer to this timer.

Q4. Does pity transfer over to the next banner?

• Yes, pity should transfer over to the next banner of the same type.

Q5. How should I build my team?

• In general, teams consist of a single damage dealer that get supported by support-type characters, but there are many variations. We encourage you to take a look at some of the guides above!

Q6. Can I re-watch the cut-scenes/story?

• From the main screen/lobby, refer to the left icon below the Bank, go to Atlas, then go to the Story Review. This does not currently apply for event stories, unfortunately.

Q7. Are multiple copies of a certain character necessary?

• This will depend on a character-by-character basis. In general, however, there should not be a large importance on getting duplicate copies of a character.

Q8. When should I stop leveling characters?

• Please refer to the investment guide listed above.

Q9. What should I purchase in the Psychube Shop (Thought Elements/Thoughts in Eternity)?

• Do not buy the 5-star psychubes, as we will eventually get enough 6-stars.
• Prioritization order:

1. LF Polarization
2. Englighten I
3. Enlighten II

Q10. What should I prioritize in the Oneric Shop (Oneric Fluid)?

• Prioritization order:

1. Monthy Brief Cacophony
2. Crystal Casket
3. Permanent Brief Cacophony (or Moment of Dissonance to craft Brief Cacophony if needed)
4. Sonorous Knell

Misc Questions
M1. Are macros and auto-clickers allowed?

• No. They are against the game's terms of service; any usage will risk the potential of being banned.

​

Megathread Directory
Weekly Lounge Megathreads (for minor discussions, gacha pulls, etc.)
Weekly Friend Request Megathreads (for sharing friend IDs)
Technical Issues Megathread (for sharing any technical difficulties)
Previous Questions Megathreads (for any game-related questions)
Previous and Upcoming Subreddit Changes (rule updates, subreddit announcements)

Please note that the above codes are manually updated!
If you have any suggestions or would like to add anything to this post, please contact the moderation team!

Title. Graduating 2nd year at an M7, been struggling to recruit for a full time role ever since I didn't get a return offer from my internship (corporate strategy at a F100). Pre-MBA background in healthcare consulting.
I cast a wide net, across a variety of different roles and industry, initially targeting tech Strategy & Ops, MBB & T2 consulting, and similar mainstream roles. However, I got completely rejected from them.
So I started throwing my apps into my 2nd, 3rd, and 4th tier options.
It was my last choice, but I got an interview callback from Philip Morris International, a Big Tobacco company, which owns extremely famous cigarette brands like Marlboro. They recruit on my campus. It was a strategy oriented role, and after a few rounds, I landed it! And what's crazy is that the pay is straight up a godsend in this horrible job market - it's MBB level pay, $210k+ in total compensation.
The issue, however, is that my role is genuinely a blatant, net negative to society. My role will contribute to strategies on getting more people hooked on tobacco, cigarettes, and nicotine products, which will directly contribute to lung cancer, second hand smoking, deaths etc.
I am worried because on my campus, this type of company and industry is completely against what's socially acceptable. Most people talk about how they want to be equity oriented business leaders, be pro DEI, be pro ESG and try to balance capitalism with giving back to society. Yes, industries like MBB or investment banking or even Big Tech have their demons and societal ills. But while McKinsey helped fuel the opioid crisis and prop up dictators, most of its projects are relatively "benign" and mundane where the people going into consulting have "plausible deniability" that McKinsey isn't completely evil.
That's why you have incoming McKinsey consultants post very pro liberal and progressive political comments on Instagram while not viewing that as cognitive dissonance. Most of my classmates are outwardly liberal, at least on social issues.
Big Tech, investment banking, and consulting is popular on my campus. I have seen people go into Oil & Gas companies like Chevron (they also have a major MBA program) and they've gotten socially ostracized for doing so. Same with someone going to work for a controversial defense or military contractor. CPG Brand Management is an option, with the reception being more mixed. People don't love PepsiCo but are neutral on say deodorant owned by Unilever.
From Wikipedia itself: "With tobacco being addictive and the single greatest cause of preventable death globally, the company is highly controversial, not least because of its history of obfuscating scientific evidence around the health effects of smoking. It has been the subject of litigation and restrictive legislation from governments."
The company claims it supports a long-term vision of a "smoke free future" where cigarettes are replaced with non-smoking tobacco products such as e-cigarettes, vapes, nicotine pouches, and heated cigarettes. But this seems like smoke and mirrors and for the here and now, cigarettes are an essential part of the company's sales strategy & revenue. And even non-smoking tobacco products are extremely addicting with net health negatives. It's the same as Big Oil companies saying they have a clean energy division.
I have a wife and and incoming baby. I need to pay back near $200k in MBA student debt. I didn't have a job lined up, and financially this is a no brainer for me. I don't like that it's unethical, but it doesn't bother me too much.
But people say the biggest long term ROI of the MBA is not just the initial job pivot, but the network. And I feel deliberately joining a Big Tobacco company in a role where I am essentially pro cigarettes and nicotine, would put a Scarlet Letter on my back. I fear people will be reluctant to refer me to future roles, and I could also lose many MBA friendships.
What are your thoughts?

Hello! On the bridge of divorcing my husband bc of his controlling mother. It’s been 8 years and I’m so drained. I feel like I’m in a love triangle and I want out. But one thing that really gets to me is that my monster in law will bring you the fact that I was a SAHM for some years because we couldn’t afford daycare, and my lousy checks that I would make would all go to daycare and then my husband would probably have to pay the remainder lol. So I thought it was best if I just stay at home with my kids. I went to school during the last few years as a SAHM and now I’m a registered nurse. Everytime my controlling weird monster in law hears something about me not paying something for my husband for whatever reason, she will bring up the fact that he’s supported me for years “while I did nothing” I don’t even know what to say to that. I do help my husband out but it’s never enough for her. So she always hangs that over my head. I’m just so sick of this and the disrespect. My soul is so tired.

I'm looking for a writing app, similar to word, that will allow me to write hangul and spell check it.
I've tried using word (by switching the keyboard to hangul), but it doesn't spell check and when I use the scribble pen it ends up registering what I'm writing before I've completed writing the word. And a lot of times it does register the correct letter either, like it'll change 로 into 고 a lot.
All the hangul specific apps I've found seem to focus only on the hangul alphabet, which is great. But I want to start recalling my vocab and this is an excellent method for me that worked well when I was studying french.

I am a 34-year-old male registered nurse living and working in the US. I came to the US to work as a nurse a few years ago. I was a nurse outside the US. My net worth is 790K and all but 1000 dollars is invested in ETFs that tracks nasdaq 100 and s&p 500 and Bitcoin. 85% of my NW is in stock market and the rest is in Bitcoin. Half of my NW is my contributions and the rest has resulted from investment gains. No inheritance.
I have been trying to earn as much as possible and save as aggresively as possible.
I always have picked up extra shifts and overtime whenever available. I have lived below my means for many years. I don't own a house and car. I rent a room, use public transportation and walk. I try not to eat out often. Even when I eat out, I try to spend less than 25$.
I have been trying to DCA stocks whenever I get paid for the last 5 years at least.
As soon as my pay comes into my bank account, I send it to my brokerage account and buy stocks. I prefer stocks and bitcoin over cash because they always appreciate long-term while cash loses its value over time. I recently switched 20% of my NW from stocks to Bitcoin.
My goal is to hit 2 million dollars by age 40 and go leanfire.
When I hit 2 million dollars, I will probably start working 24 hours per week and not try to save my salary because I know that my net worth will keep growing as long as I don't touch it.
I hope my post helps people interested in leanfire including some fellow nurses around the world.

Tldr is the title. I'll add extraneous life context below, but honestly I don't think it's necessary. I've worked retail for five years, and I don't know how I should get out without taking on a bunch of debt.
The main detriment is low pay, but also it's retail. Working with retail shoppers is hard. The work is bearable depending on the people I'm working with (coworkers have come and go throughout the years,) but it doesn't play into my strengths. I am socially weird. I can be friendly and work with others, but constantly engaging with strangers is not my strong suit. I feel like my life is a wheel and I'm a spoke constantly cycling back into the same position as both I and my job remain stagnant year after year. Yet the wheel keeps moving forward, never stopping on its path forward through time, and I blink and lose months and years to this place. I feel like I'm going to die here. (Which is melodramatic, I'm not even 24 yet)
I got an associates degree in "Liberal Arts" before starting this job and have started dabbling in taking more classes at a community college. I'm trying one at a time both so I can work full time and so I can afford to pay. My employer previously offered a higher education benefit, but I didn't use it in time and it seems they shut it down while "revamping" the program (aka removing most of the 4 year degrees.)
Most career paths don't especially interest me, but neither does retail and I need to do something. I tend to have an easy time in school. I put in effort and have always maintained a 3.9+ unweighted GPA. If a class doesn't bore me to tears, I'm passing it. But I'm terrified of digging myself into a new hole and trapping myself in a worse career path. I'm interested in nutrition and exercise science, along with art and writing, but careers in the former take years of schooling (I think there's multiple years after even a bachelor's before someone can qualify as a registered dietition) and the later isn't happening. Accounting was bearable for me. I would do horribly as a nurse, police officer, or firefighter.
I have to get out of here. I want to be financially self sufficient and to be able to help support my family. I want to get married and adopt children one day, which is gonna require a lot more income than my job offers. I have a lot of respect for the people who work retail, but I can't do this forever. I'm terrified of change making things worse, that I'll fail and even this place won't take me back.

I don't understand how I still have Medicaid coverage despite making over the income limit. I live in NC and never spoke to anyone about recertification. I've been receiving letters saying I have coverage, a doctor has been chosen for me, and a plan has been selected.
I qualified for Medicaid last year but never used it because I got a job used my job's health insurance plan.
I thought they went by my income, which they have, I filed taxes each year, and I made over the monthly income the entire time during the recertification period.
NC has this new EPASS account that I can't access because my account is broken. When I've called the number to get help, either no one picks up or they give me different phone numbers that circle back around to people who can't help me.
My initial case worker was not helpful and didn't answer my questions or provide guidance. The NC website isn't helpful, many pages I try to go do are either broken or have no information. And there's rarely a number that works or leads to anyone I can speak to. I was the phone once for 2 hours trying to get answers but go the run around.
My concern is if I'll be penalized for some reason. I never used the insurance once while I was on it. I didn't register a card or an account. The only thing I did once getting coverage was logging into the marketplace to choose one of the insurance companies they listed.