I believe my last relationship was the final straw. It was about 3 years ago, maybe more/ maybe less I honestly don’t know. I’ve done the usual healing, and self analysis to make me become a better version of myself. I’ve went through the stages of grief in a positive way. I wish her well, and happiness. I just want it to be far away from me, because we are just fire & gasoline. Now with this being one of my 3 great loves I knew there was no quick fix. So in present day all is good, and in the best mental, and physical state I’ve been in years. Yet the mere thought of dating anyone makes me go nope. I’ve developed a zero tolerance for any drama, and the first sign of it I’m done. Compound this on the fact I don’t find many people interesting so that’s disheartening, because it takes two to make a connection. Not to mention the top of the list is not hurting a woman, because I’m trying to figure out me. I’m seriously fine with this, but I’m still curious if this level of introvert version is normal as we age.

I was playing spelunky HD and I stole a jetpack from the shopkeeper, the next level I spawned fairly close to a hired hand shop (but not enough to agro the shopkeeper) and the hired hand acted like I bought him. Is this normal?

Hey everyone, this will be my first attempt at a serious post on this sub. I’m not exactly practiced in articulating my thoughts (I’m more of a fiction writer) so please bear bull with any mistakes and please correct me if I’m wrong. The last thing I want to do is spread misinformation, I’m not an expert (or a financial advisor) on any of this. I'm here to learn, not to teach.
This post will be the first in a series of me reading through the entire Diamond Handbook (2nd) and just commentating on points I find interesting or discussion worthy. I will be asking questions as well as giving my own personal thoughts based on my understanding of the events that have transpired. I became an ape right after the sneeze, and followed a lot of the discussions back then, but have been zen for a while so I haven't fully kept up with a lot of the new developments.
I haven't actually sat down and read DD in a long time, so I decided to give myself a refresher and actually look at the Diamond Handbook (2nd) for the first time. I had read a lot of these posts as they had come out, so I had never felt the need to look at the full PDF before. For the apes that haven’t read it either, I recommend giving it a read. You can find the full DD library in the pinned post of this sub, and the Diamond Handbook is the first one there.
As I have been reading it, I’ve quickly realized that some of the stuff is a little outdated. That can’t really be helped since so much DD has been done between then and now, but this brings me to the two reasons for this post. The Diamond Handbook is likely the first piece of DD a new ape will be recommended; I want to spark discussion to clear up some things that are misguided or outdated in this handbook. The second reason is more of a personal challenge. Whenever someone denies the legitimacy of the DD, an ape usually responds by saying something like “Well, read the DD and prove it wrong”. The average MOASS denier won’t do this though, in my experience they just think it’s ridiculous on a conceptual level, and won’t take the time to actually look through all the DD available and construct a proper debate. I can’t really blame them for this though, spending so much time on something you have no interest in doesn’t sound like a fun time.
But I have a lot of interest in this, and I am an aspiring author who writes 400K word fanfictions for fun. I’ve got the time and the writing willpower. I am very big into trying to understand how a reader will interpret a piece of my writing, so I’ll be looking through that lens and will be writing this with the assumption that you have already read the Diamond Handbook (2nd). Please take the time to respond/correct what I say here, I want to learn.
With all that out of the way, let’s get started.
​
The Mother of All Short Squeezes (MOASS) Thesis, Published on May 26, 2021, by u(slash)HCMF_MACEFACE
Before we even get into the meat of this section I already see a bit of an issue. A lot of the language implies that MOASS is imminent, take this section for example:

*“If you don't believe me, just look at the chart of GME which our DD (Due Diligence/research/analysis) has been forecasting for a while now. The below pattern has only preceded massive spikes in price, but this time, those on the other side of the trade are going to have a much harder time suppressing the price like they did in January and March. Thanks to the activity on 5/25, we have entered the end-game. The MOASS is beginning.”* 

I think most new apes will look at this, then look at the date of posting (three years ago), and think this is delusional thinking. They will say that MOASS did not ‘begin’ because it hasn’t happened yet. This would be pretty short sighted though, GME has always been a Deep Value investment, long positions are called long for a reason. ‘Buy and HODL’ is such a repeated mantra because that is the investment strategy most apes employ. Like most investments, it takes a long time to realize gains. Your retirement account will be growing for 40+ years before you cash that thing out, GME is my retirement plan so I don’t expect it to be much different.
Just because the sneeze happened in a week doesn’t mean MOASS will, in theory it should be a very long event as both the shorts and longs have a test of wills to see who caves first. However, the sneeze was the ‘beginning’ because it was exposed a lot of the fuckery that is going on in the market right now, I think that is the message that should be taken from this section.

*“These terms are key to understanding the theory and speculated value of a GME investment. Hyperlinks to Investopedia, "the world's leading source of financial content on the web", have been included for most market terms and concepts and it is recommended to check them out if they are not clear. We will be breaking down some of the more complex terms and concepts within the post and framing them within the context of GME.”* 

After the introduction, this post does a great job of explaining all the concepts of the stock market that are relevant to the MOASS thesis. However, I do wish it mentioned some other stock terms for the sake of new investors. Since none of the DD is supposed to be financial advice, I can’t really blame them for these omissions, but at the beginning the OP does say they wanted the post to be good for newer investors, so I think some more pointing in the right direction should’ve been provided. I do appreciate the link to Investopedia, but this DD is already a novel, and the average reader might forget about that link by the time they finish it. So an additional link should’ve been provided at the end.
The two big concepts I see missing are Options and Wash Sales/Stop-Losses.
Options are interesting because they create a different type of buying/selling pressure compared to just buying/selling stocks regularly. There are concepts like gamma ramps and stuff that can be relevant when discussing catalysts for price movement. However, options are pretty scary for most investors, I’ve only ever bought one, and forgot about it so it auto-exercised for me (lol), so it’s not a concept I would call essential. I just think it’s better to be educated than not.
The much more egregious omission is that of Wash Sales and Stop-Losses. Wash Sales are extremely dangerous to new investors who still make decisions based on emotions and are not used to the volatility that comes with GME.
If you are unfamiliar, a Wash Sale is when a person sells a stock at a loss, then buys the stock again within a short period of time. As an example, let’s say you bought a stock at $50, then the stock goes down to $40.00 and you no longer feel comfortable with your investment. You sell the stock at a loss. You lost $10.00 on this transaction, but it’s not all bad. When you go to do your taxes, you can report this $10.00 loss to the IRS. This is good because if you make a $10.00 profit off another trade, you now don’t have to take taxes out of that profit, since the IRS will see this as you breaking even in the grand scheme of your portfolio. You didn’t actually make any money, so they aren’t going to tax you for it.
A Wash Sale is triggered when you buy back the stock you sold in a short period of time, this can even apply if you buy a stock in the same sector. So if you buy a stock at $50.00, sell it at $40.00 then buy it again. That $10.00 loss you took can no longer be reported to the IRS as an actual loss. So when you make $10.00 on some other trade, the IRS won’t see you as breaking even, they will tax you on that $10.00.
For a stock as volatile as GME this can be very dangerous, I know people who brought in the peak, then as the price went back down they triggered a Stop-Loss (auto-sale you can program to trigger when a price falls), only to then buy back in when the stock dropped even lower, creating a wash sale that fucked their taxes.
We say “Buy and HODL” a lot, but I think the ‘why’ of it has been lost in the meme. I personally buy and HODL because averaging down is a lot better for me than accidently triggering a Wash Sale. I fucking hate the IRS and don’t want any of that smoke.

*“SPOILER: GME and \[Popcorn\] have tons of FTDs reported.”* 

I just kinda don’t like the mention of the Popcorn stock here, it has never been a deep value investment. If you are unfamiliar with the Deep Value investment strategy, please take a look at the old Roaring Kitty livestreams. In summary, Deep Value investing is defined by looking for stocks that are extremely undervalued and unpopular due to no fault of the company. These external factors that are making the stock undervalued can be anything, shorting, COVID, stuff like that. But what makes it a Deep Value investment is always strong management within the company. If the company is not mismanaged in any way, then it is very unlikely to go bankrupt, and will have opportunities to make a comeback. GME has Ryan Cohen leading, a proven successful businessman that has already taken precautions to ensure GameStop never goes bankrupt. Popcorn just doesn’t have that. It is very short-squeezable, but it’s not deep fucking value.

*“Short sellers must eventually close, or cover, their short position.”* 

Ok, but why ‘must’ they? This is another point I think has been lost in the memes. There are two problems with just saying ‘shorts must close’ without providing context. The first is the simple fact that there isn’t a due date. Unlike a common car loan or mortgage, a short position doesn’t operate on a time table. They can wait forever to close, unless they get margin called.
This next part I’m a little shaky on, I’m probably getting some things wrong here:
Ok, well how are they going to get margin called? The problem I see is that these Short Hedge Funds (SHF) are making a lot of money by selling naked shorts. It’s really hard to get margin called when they are literally printing money, and since they don’t have to report these their books just look to be filled with an infinite amount of cash.
So, there are a couple solutions to this:
1, Government regulation. If the SEC puts a stop to naked shorting, these SHF can’t print money anymore. Eventually the interest from their positions will eat them alive, and they will get margin called. Unfortunately, MOASS has the potential to destroy the economy like in 2008, so they probably aren’t too keen on just doing this without creating some kind of safety net. So I can’t really count on them to help, because the government has a vested interest in keeping MOASS from happening. It’s just not something I believe will be the catalyst. Although they might just do it on purpose given the right reason, like pinning the economic collapse on a scapegoat, or by GameStop forcing their hand by exposing the fraud somehow. I’ve seen a lot of apes hoping for one of these reasons to come to pass, but for me, I don’t see enough motivation from the participating parties.
2, A price run-up. If the price of the stock can unbalance the books of the SHF enough then they could also get margin called. I’m not counting on this either, since the price is manipulated by the process of naked shorting. Sure, they are digging a bigger grave when they suppress the price like this, but it can also help smaller SHFs with exiting their positions with OTC stuff. Over-The-Counter trades are trades made off the lit exchanges, historically it was intended to kind of simulate a transaction between two individuals, like buying a video game from a buddy off the books, no taxes, no regulation. Unfortunately, this is abused by institutions and can’t even be used by individuals, making dark pools of trades full of fraud and undermines the free market. Smaller SHFs that are more at risk of getting Margin Called due to their lack of collateral, can make OTC trades with the big naked-shorting market makers to ‘close’ their positions using fake shares. Of course, this only passes the buck so to speak, but it’s a viable strategy for them since the big SHFs that take on these ‘bucks’ are less likely to get margin called. A lot of historic short squeezes happen because a small SHF gets margin called, then drives the price up and causes a bigger SHF to get called, and so on until they’re all in the grave. This is why I don’t really give a shit if the price goes up to $80 in a week, it’s not enough, the buck has been passed. (To be clear, I don’t have proof that this is the reason for the uptick in OTC transactions, it’s just a theory. If a smarter ape than I can get on this that would be great.) But, even if a price run-up itself doesn’t cause MOASS, it may give motivation for the true trigger:
3, Interest Rates. Here is the big one that I look at, that I believe will be the true cause of MOASS. Now please, correct me if I’m wrong again, I am just an ape who dropped out of college. So, from what I understand a Short institution has to pay a certain amount of interest to the people they borrow the stocks from. This is the cost of borrowing and is how these Lenders make money. For a long time, the interest rate was at like 1%, this means that selling one naked short could cover the cost of the interest 100 times over. However, let’s say that the interest rate becomes 110%, sounds crazy, but this would mean that borrowing the share would cost more than the share. This would destroy the balances of the SHFs and ensure they get margin called. Why would this ever happen though? Because these lenders want to make money. These lenders are the real winners of MOASS, and they aren’t talked about enough in my opinion. Lenders can’t sell the shares they’ve lent out, their income is in the interest rates, there has to be a balance here between it being more profitable to lend the shares or to sell them. If Lenders start to think that lending their shares aren’t making them more money than the alternative, they will raise interest rates to make these profits until SHFs can’t pay them, then the SHFs have to return the shares, causing MOASS with the massive buyback, then lenders can just sell the shares on the way down. Lenders have a monetary business interest in causing MOASS, so they are the most likely cause of it in my opinion.

*“This is the GME MOASS thesis. GME is a stock that stands to hit an unprecedented price point due to the fact that manipulators of the market have failed to bankrupt GameStop thanks in huge part to the Legendary Keith Gill AKA* u(slash)DeepFuckingValue*, Ryan Cohen, and all of the GME investors who took part in this saga. It may not be today, this week, or even this month, but one day soon, these toxic participants have no choice but to buy the stock to close out their short positions.”* 

I don’t think this is necessarily inaccurate, but I think it’s misguided, and the language here is a bit to emotive for my taste. I think the reason the company didn’t go bankrupt is because of the strategic share offering made by Ryan Cohen to build up more cash than the company’s valuation (at the time). All the other stuff was just dressing, DFV and retail did not make RC do this, this move by RC is what ensured the company literally can’t go bankrupt, until then (and at the time this was posted) it was still a risk in my opinion. So this huge thanks feels kinda like a pre-cum celebration, and I've never really liked putting Keith on a pedestal, he's just an individual investor, just like the rest of us.
​
FAQ, Published April 12, 2021, by u(slash)BYE_TRIANGLE

*“Why does Holding do anything?”* *“They need your shares to cover their short positions! They got greedy. Thinking GameStop would fail, the short sellers started Naked Shorting the stock. Long story short they created synthetic stocks with their special privileges as Market Makers. But they can’t cover a short with a synthetic share. So because of the Naked Shorting, the Short Sellers, multiple large greedy money managers, and Hedge Funds need a total number of shares greater than the number available to purchase. THEY NEED EVERY SHARE, EVEN YOURS CONAN!”* *“aRe YoU GuYs MaNipuLatIng THe MaRKeT?!”* 

Holding does something else that I think is really important. It proves that retail is not responsible for the manipulation of the price. You see it in the mainstream media every time the price fluctuates, they say that retail and Roaring Kitty is driving the price up for the memes, and that the ‘meme stock craze is dead’ whenever the price falls, claiming that retail is selling. However, it quickly becomes clear to anyone with the willingness to research that retail holds. Holding doesn’t move the price at all, so they literally can’t blame this sub for the fuckery that happens.
Now, on the flip side, I know people on the old sub to buy and sell with these fluctuations, they did it during the sneeze and I’ve seen comments claiming to do it last week. I think this is why Roaring Kitty really had to speak to congress about this, because a legitimate-seeming argument could be made that retail was buying and selling at high volumes. The loss and gain porn on the old sub could be presented as evidence. Here though, apes hold, we glaze purple doughnuts.
So when MOASS does happen, the massive price increase will be only due to buying pressure from SHFs, so they are the only ones that can take the blame for what happens next.

*“No one knows how high the squeeze could take the stock price. The best rational reasoning says that these numbers \[500k per share\] are possible through the laws of supply and demand. Furthermore, it is likely that the Short Percentage is a lot higher than reported, with many suggesting that the short-sellers, cumulatively, need more than 100% of the float to cover.”* 

A lot of naysayers will claim people are insane for thinking that phone number prices are possible. They will cite that it would make the company’s valuation higher than the amount of money in the world, which is true. However, with the nature of fraudulent naked shorts being fake, the price is fake too, and the valuation of the company doesn’t necessarily mean that the whole float will be sold at those prices. Yes, it shouldn’t be possible, by all accounts it wouldn’t make sense, but it is possible due to the naked shorting. Also, institutions that own shares likely won’t HODL out for the phone number prices, they will sell when they think it’s safe, and when they won’t get in trouble with the SEC for destroying the economy. The infinity pool (the shares that will be sold at these prices) will be a small fraction of the total amount even among retail investors. So the argument that I see against the possibility of this doesn’t hold a lot of weight.
Keep in mind that even though ‘buying pressure’ moves the price up, someone has to be willing to sell in order for someone to buy. So as the price creeps up from $100 to $1000 to $100000 to $8675309 someone will be selling on the way up to get there.

*“Synthetic long positions could be used to disguise their short positions as well, the mechanisms behind this practice utilize the options markets and could explain some of the crazy options activity that we have seen in GameStop the last few months.”* 

So uhm… I don’t understand ‘Synthetic Longs’ at all. Could an ape with more wrinkles elaborate on this? From what I can extrapolate, this may refer to an institution purchasing a naked shorted share from someone else?

*“While at the same time they employed the use of social engineering to slowly depress the positive sentiment for the stock on Reddit and elsewhere.”* *“You may have been called a Shill for one of a number of reasons. This community is very inclusive and open to everyone, but because of the blatant attacks this forum has suffered a lot of people are understandably paranoid. (Myself included). Please, unless you really are a shill, don’t take it personally.”* 

I want to address this, because there is a lot of misconception about SuperStonk. A lot of people will claim that this sub is just an echo chamber cult that can’t handle anyone questioning the narrative. This may seem true on the surface, but I think the reality is just that we’ve become hyper sensitive to the social engineering the old sub fell victim to, and I remember this sub being attacked with that as well. So whenever we see a post that has extremely emotive language, we become skeptical and down vote it. Emotions have no place in investing, that is a common rule touted in even the oldest investing books, so posts that try to incite an emotional response are shot down. Apes aren’t about to be manipulated again. That being said there are emotive posts that still get upvoted, ones with positive hype-filled narratives. Since these get upvoted and the negative ones don’t that sometimes gives the impression of an echo chamber. This is because the facts do support the MOASS thesis, so a hype title and opening paragraph is just more agreeable with the facts-based narrative. Some people are just scrolling on their phone and don’t have time to read the whole post.
However, if you go into the comments of these posts, there are apes investigating the profile history to determine if posters are bots, regardless of the pushed narrative. If you look past the upvote counter, apes are very skeptical of any post that isn’t based in fact or harmless memes. The comments rule the post, and I have to say I’ve very proud of this sub for staying vigilant in the wake of Reddit restricting moderation tools.

*“Ryan Cohen clearly believes in Gamestop, to the point of announcing that he will be taking equity as compensation. In fact, as of writing this all of the new Gamestop board members are going to be taking equity as compensation. This is seen as an incredibly bullish sign of the company's future success.”* 

This is one of the principles of Deep Value investing, I wish this was elaborated on more of why this is bullish. This means that the board, and more importantly Ryan Cohen, is tying their individual self-worth to the company. Due to this tie, they will essentially ‘go down with the ship’ if the company goes down. This means that the board and Ryan actually have an interest in the company doing well, instead of having an interest in making money off the company. You may think this sounds like the same thing, but it’s not. If RC cared more about money than the company, then he could destroy the company to make money (this is what’s happening to popcorn), but by tying his worth to the shares, the only way for him to become richer is for the company to flourish.
I don’t really like the language being used here, stuff like ‘clearly believes’ ‘seen as incredibly bullish’ are all pretty emotive and doesn’t actually explain why these are positive growth signs for the company, they are just saying it is ‘bullish’, the average new investor isn’t even going to know what that really means. Even though GME is extremely manipulated, causing Technical Analysis to become increasingly difficult to depend on, the investment is still rooted in fundamentals of deep value.

*“Below is a shortlist of some of the potential catalysts people are speculating about:* 

-A Stock Split, or some similar move from Gamestop that recalls shares
-Gamma Squeeze
-Gamestop’s Q1 Earnings Call
-Some speculate Gary Gensler (Newly appointed head of the SEC), may make some move that sets things in motion
-DTCC rule changes taking effect
-Appointment of a new CEO”
Yeah… this feels bad man. I’ve talked about this already, but we can rapid fire down this list.
The stock split didn’t work out, since those in charge of distributing the splits did it fraudulently. Gamma Squeeze is the kind of thing that could trigger a smaller hedge fund to get margin called and cause a domino effect, but I’ve shared my theory of the OTC action. Earnings are nice, but public sentiment has always been more tied to the media manipulation than actual facts. Fucking Gary.
On the subject of bringing in new talent, I do feel like a big move will happen soon. We’ve already seen a lot of job offerings from the Corporate side of GameStop so this could be the next phase of the plan. I really think that RC has spent these last few years taking precautions to make sure the company can’t go bankrupt, the last thing he wants is to turn out like Toys-R-Us. A lot of downsizing happened, so now he can start thinking about upsizing again.
I’m not necessarily saying that these things can’t trigger the squeeze, but I am saying that depending on something to start it is just inviting disappointment. I think the ‘no dates’ rule has been sorely forgotten lately with all the hype and speculation around Roaring Kitty’s tweets and stuff. I am a zen ape, it happens when it happens.

*“First of all, it is incredibly important to note your potential biases when determining if someone is just a shill trying to spread FUD. Not all FUD is invalid, someone may bring up a solid point against an otherwise great DD, and that could scare you. Remember that just because you do not like what someone is saying, doesn’t make it invalid. It is important users here work with constructive criticism to refine their theories.”* 

Damn, wasn’t I just talking about this? This critique isn’t going to just be wagging fingers, this is really good stuff that still applies today, and from what I’ve seen apes are doing a great job of distinguishing between FUD and legitimate criticism. I also want to take a second to thank the mod team, especially after their tools were restricted, they’ve been a great help.

*“…but since then retail investors have been buying on every single dip in the price… That's more than two whole months of buying-the-dip. Now, I will not speculate on numbers here, if you want to know more you will have to read the DDs on that.”* 

This is pretty outdated now. Apes have been buying for three years now, and with the advent of Direct Registering we have a much better idea of how much apes hold. I can say with confidence now that retail owns a floats worth of shares. Since there is so much naked shorting, a lot of institutions probably own their own floats too.
I glaze those purple doughnuts, yum.
​
Citadel Has No Clothes, Published March 14, 2021, by u(slash)ATOBITT
Ohhhh, this one is special to me, I read it when it first came out, first time I was there on release night. Let’s see how it hodls up.

*“TL;DR - Citadel Securities has been fined 58 times for violating FINRA, REGSHO & SEC regulations. Several instances are documented as 'willful' naked shorting. In Dec 2020 they reported an increase in their short position of 127.57% YOY, and I'm calling bullsh\*t on their shenanigans.”* 

58 times. I don’t actually know how much that number has gone up, but I’m sure it has. I am reminded of an old saying, that if the punishment for a crime is a fine, then it only a crime for the poor. The crime being done to GME is class warfare, it’s nothing less.

*“$295,347,948,000 of that is split into options (calls & puts), while $78,979,887,238 (20.52%) is allocated to actual, physical, shares (or so they say). The rest is convertible debt securities.”* 

This is why I’m skeptical that it’s even possible for Citadel to get margin called by a normal price run-up. Let’s do some math here. GME’s float is at 232 million-ish shares, let’s say they shorted 300% of that, just to be conservative (lmao), so that’s 696 million. To take what the first post said, Margins don’t get called unless an entities’ collateral becomes less than 80% of what they’ve borrowed. If they use their entire $384,926,232,238 portfolio as collateral, then GME would have to soar to a price of… divide by 4, multiply by 5… $691.32 per share. That may sound relatively reasonable, but I don’t think a normal catalyst would be enough for that. I really think interest rates are the key, think about it, if they have to pay like 30% interest on all of those shares, their portfolio will be reduced by that much (kinda) and we can find a much more reasonable midpoint. Now brace yourselves, I’m about to spend an unreasonable amount of effort on something that is probably wrong because I don’t know shit about fuck about margins or getting called (I have a cash account and I lack rizz).
In order to calculate that we gotta do one of those double equation variable bullshit things we all hated in school, I forgot what they were called but I remember how to do them.
So, we have a few variables:
C = Citadel’s Portfolio = $384,926,232,238
S = Shorted Shares = 696,000,000
I = Intrest = 0.30
X = Price Per Share
Y = Citadel’s new portfolio amount after paying interest
So, X and Y are undetermined, but we have two equations to work with
C – I(X*S) = Y
This one calculates how much money is going to be in citadels new portfolio after paying interest, we calculate the interest by multiplying the cost per share, by the amount of shorted shares, and multiplying that by the interest rate, then subtracting it from their total portfolio.
Y * 1.25 = X * S
This one calculates the total amount those shorted shares have to be in order for Citadel to get margin called, by multiplying their new portfolio by 5/4 and calculating the total cost of the shares.
X * S has a direct value; we can plug the left side of the second equation into the first to get
C – I(Y*1.25) = Y
Now we just gotta isolate Y on one side of the equation.
C = Y + 0.3(Y*1.25)
C = 1.3Y * 0.375
C= 0.4875Y
C * 0.4875 = Y
Y = $187,651,538,216.03
Now we gotta find X, we can just plug in the other stuff.
(Y* 1.25)/ 696,000,000 = X
X = $337.02 per share for shitadel to get margin called on 30% interest.
Holy shit, now that’s what I call reasonable. See how much interest can completely fuck a portfolio? They lost almost half of their portfolio value to a 30% interest to this. This is why the whole market will bleed red on the run up to MOASS, they will have to sell half of their portfolio just to pay the interest.
Citadel is probably not a good example of this, since they print the naked shorts themselves... so they would be paying interest to... themselves... when they borrow them? Citadel is so fucked up, I don't have enough wrinkles for this.
But hey, I think the concept of what I said is fine. High interest rates can reduce collateral and cause margin calls. Hey, just out of curiosity, how much is the borrowing interest rate looking now?
16.5%
SHF are fucked.
​
Anyway, I’m writing this on a Wordpad document so I’m not sure if I’ve come up on the character limit, but I think I’m getting close so I’ll end this part here. Please let me know what I’ve got wrong or any insights you want to share, I’ll be sure to talk about any interesting comments when I do a part 2!
TLDR: I am reviewing the Diamond Handbook (2nd) and seeing what has changed in the three years since it’s been compiled. I have a bias in thinking that high borrowing interest rates are what will cause MOASS, and that is shown here. This is not meant to be an impartial analysis, just my thoughts. Not financial advice.

I see a lot of people's post being frustrated with remix and that's sad to see, I am sorry to hear some people aren't enjoying it as much as expected, I hope it becomes more fun for them or gets fixed as they see fit.
For myself, I just hit level 70 this morning, the process felt fast, maybe not as fast as spamming time walking dungeons but it was a fun and accelerated leveling process that wasn't as mind numbing boring as spamming time walking. 100% bonus experience starting with alts is still 100% bonus experience (that will go up from there as you level), it might not be ultra fast immediate max level leveling, but again its an accelerated way to level in a fun fresh way, I plan on adding at least two more max level classes to my account with the event. The first character went fast for me, the next two will go faster, I definitely have the interest to do at least two more.
I haven't run into any scaling issues at all, I have been primarily focused on questing (completing whole campaigns by zone for achievements for bronze) and I've only done LFR, normal dungeons and scenarios. So I don't know if its because they have been hotfixing or if the scaling issue is just in higher difficulty group content? I am saving normal/heroic raids and heroic dungeons for post level 70 remix "endgame" so to speak. I plan doing a lot of them once I finish up the quest campaigns (hopefully by end of day), maybe I will get more frustrated with remix then and feel differently, but I am hoping by the time I finish the campaigns my character will be pretty scaled up.
Questing this much the leveling felt really fast to me and I did always feel OP. From level 10 to 70 I was chain pulling and my slew of tinker gems were popping off together killing enemies randomly. I don't know if questing helped with my gem pool compared to people focusing on group content but I hit level 70 with three legendary gems already and every tinker gem unlocked. I don't know if I have all the cogwheel and meta gems, but I have a lot and the two I want to use. From doing so many quests with the speed of remix and dragonriding I am drowning in the caches, I blink and and one bag completely full and I have to spam open them and managing gear upgrades.
I am somebody who tries to collect a lot of transmog, so the bronze and slew of armor sets easily available is a big motivation for me, I am hoping to pocket most of them before the end of the event and some of the more cooler mounts. I have 40K bronze so far from questing and hiting 70.
Overall this experience has made me realize I really did not appreciate pandaria as much as I should have back in the day.
My biggest complaint is the gear and gem system UI is clunky, its getting old constantly having to replace gear, removing gems (even by scrapping) and resocketing gems manually, its slowing me down more than anything else. I wish they streamlined that a little bit. I got an addon that helps show which gems I have in a better UI, but it still feels a pain.
My only other issue is I don't want to stop playing remix long enough to switch back to retail and finish up some of my weekly tasks.

Ah shit, here we go again!
INTRO This time we going with PURE storm sorcerer, more of a glass cannon build than my previous two pretty unkillable no gear runs (cleric and druid) Also, this time we using zero summons (cause sorcs have none lol), so if you don't like using summons but still kick ass BUTT-NAKED!? Then this is for you!
REQUIREMENTS!
Persuade or intimidate allies into becoming half illithid, you can easily do this by respeccing to a bard . Put skill points into persuasion and intimidation, get enhance ability skill, get actor feat, make charisma 20, get another party member to bless you and this should be EZ PZ.
Get 8 tadpoles, there are plenty in act 3, make all 4 half illithid party members learn black hole. If you don't like the appearance you can put on clown make up in the circus, wear a helmet, or use a mod (what i did, "google no illithid veins nexus").
LEVELS 12 storm sorcerers, feats are alert, ability improvement +2 con, and warcaster
stats 16 con, 16 charisma, 14 dex, 12 wis.
KEY SPELLS
Cloud of daggers and black hole. The great thing about cloud of daggers is that there is no saving throw for this spell, meaning enemies will have ZERO chance to reduce its damage by half. Meanwhile black hole has int save, most enemies in the game have low int, so this spell will have high success! (some enemies cannot be sucked in by black hole, dragons, orin, titan)
Also get shield spell and magic missile
THE COMBO!!!

1. Turn on turn based mode,
2. Make 2 sorcs cast 2 semi-overlapping upcasted cloud of daggers (check vids for reference)
3. Make the remaining non concentrating sorcs twin caste haste to all four party members
4. End all turns to finish the round and regain actions
5. Start battle and spam BLACK HOOOOOOOLE!!
6. Use quickened spell metamagic and cast a spell with your bonus action

BOSSES
viconia - https://youtu.be/HIvVH1djh04 kill darkness casters first for an easier time
cazador - https://youtu.be/2-esKmiJJjg
raphael - https://youtu.be/eiBW51KubTM
ansur - https://youtu.be/5CxqRN48wSk unique strategy! HILARIOUS!
titan - https://youtu.be/Go7AwLHjLf4
gortash - https://youtu.be/iM-ZUgnX7H4
orin - https://youtu.be/xOtGzHOqBog unique strategy! tried to fight her upfront at first, NOT RECOMMENDED!
elder brain - https://youtu.be/yDQPMf4Y7Fg DANGER!
These fools CAST BLACK HOLES! so watch out and don't rely too much on globe of invulnerability cause they will BLACK HOLE you outta there! you also DO NOT want to concentrate of haste, use haste potions instead. for some reason saving throws for concentration is much higher depending on the enemy, red dragon will force you to do 25 dice check for concentration saving throws (normal is 10).
for long rest potions https://youtu.be/ztzSum8MtxQ,
Just follow what i do and you should be fine, but because the elder brain boss fight alone, I DO NOT recommend this line up for your first honor run, cause game over chances are HIGH especially when you make mistakes. I have two no gear line ups that will have a much easier time on the final boss, they rely on summons tho: 4 NAKED! Moon Druids putting honor mode on its knees! ZERO equipment, limited potion usage. :
4 clerics, no gear :
For my next no gear line up, I'm thinking of 4 abjuration wizards, you would think this would be the most obvious no gear party. The main reason i haven't done this line up yet is because the class is semi-bugged where some enemies will simply never attack (meaning you can skip 10 turns in a row and some enemies will just stare at you). Despite this bug, i still love the class as its the first class that made me feel like an unkillable GOD! (druid was the second, 3 owlbear hp bars in a single fight lmfao!). Most people in this sub love this class too, so i'll probably just do it anyway, should be fun.

Hello,
I suffer from very severe OCD and my psychiatrist can't answer this particular question.
My most disabling OCD subtype is perfectionism.
I'm a student waiting for my exam results, and I'm going to have long months with no particular obligations.
I would also like to point out that I also suffer from a very high level of social anxiety, which was exacerbated by my previous job (a very dangerous one where my safety was not guaranteed and where my colleagues were for the most part obnoxious to me. The workplace was notorious for being atrocious and dangerous to workers' lives). The job detail is important because I'd like to work but I feel like throwing up and crying just thinking about it, even if it's a small job with no connection to my old profession.
My question is this: How do I know what to do in a day?
I'm very depressed, so I have to force myself to do things, so I don't spend my day in bed. But I don't know how. Since I like absolutely NOTHING, all my little activities at home, like watching a series, are an effort for me.
And I don't know what to do: should I write? should I force myself to exercise? Should I draw? Should I learn to code? Should I read? Should I read?
If I don't force myself to do this, I don't do anything, but the way I want to do these things is very clearly a compulsion ( because everything is rigid in the process of executing simple actions) .
I don't know how to organize myself without it turning into total OCD.
How do people know how/when to exercise? When does forcing yourself feel like a compulsion or a real need to overcome depression? How do you know how/when to go out? Why choose one activity over another?
I feel like a prisoner getting out after 20 years who doesn't know how to live with her free will. I don't know what to do when I don't listen to my compulsions.

TLDR : How can I choose what to do by myself, like a normal person, without listening to my obsessions and compulsions, when I MUST force myself to do a minimum of things so that I don't lie motionless in bed all day?

Hey all,
I’ve (39m) got high (33.6) thyroglobulin antibodies. 3 weeks ago they were tested at 22.9. So, at least from these two data points, that number is increasing.
The rest of my thyroid function (TSH, T3/4, TPO, Thyroid Stim) all fall in what the test says is normal range. For what it’s worth, I have very low iodine so I started supplementing that.
Anyway, for the past 3 years I have been struggling with depression, anxiety and low libido. It’s been difficult at times but manageable. In the past two months, however, I have suddenly developed extreme anxiety and depression. These come with panic attacks and bouts of sudden suicidal ideation. I’ve also developed some agoraphobia. I am seeing a psychiatrist and therapist in addition to tapping every medical doctor who will see me.
Has anyone experienced these psychological symptoms solely from high thyroglobulin antibodies even when blood hormone levels are normal? I’d take literally any input anyone has on the topic. I am really struggling badly to the point where I may need to drop out of graduate school until I find a solution…or die.
Noteworthy: my mother’s mother had her thyroid removed at one point. My mother and aunt have been on synthroid for most of their lives from hypothyroidism and my father’s father also had a thyroid problem though I don’t know what it was.

I was playing gta online and my rank was around 10 something i started playing recently and suddenly i am getting level up automatically to 150 Popping up collectables have been completed and getting some money too after sometime it disappeared and back to my normal level and 10$ I thought i could buy a car but everything disappeared and turned back to normal
Help me guys

First, let me say that I'm taking a break, so I'm absolutely doing what I need to do to take care of myself, but I'm just wondering what you all do or have done when you reached this point. I also just want to chat with others who've been here because sometimes it feels lonely.
I knew I was burning out when I couldn't remember the simplest things that I've been doing for ages without issue. Numbers? Forget it. Remembering when to use imperativo vs passato prossimo? Impossible. Basic conjugations? I felt like there was a wall in my brain and I couldn't get there. I'm so frustrated because I really was making incredible progress in reading and writing, and feeling so much more confident speaking and listening.
So far I've had a week off and I'm still not ready. My brain is exhausted. Attempts to even listen to music that I normally love, feels like an exhausting chore.
I'm learning so I can better communicate with my family and my partner, and I feel like such a jerk because my partner speaks English fairly well, but I'm so behind in Italian. My family speaks no English, aside from my very young cousins.
I also know people with ADHD struggle with language learning, and I am. Big time. My teacher suggested it's because I'm at the cusp of a higher level, and trying to break through that is hard for anyone. My brain feels so jumbled and overwhelmed though, that thinking about Italian gives me anxiety.
If you have any thoughts, suggestions, or even just want to say "I've been there!", I welcome it. Maybe this post will help someone else struggling too, because when I searched, I didn't really see anyone talking about this.

Hi guys so I posted here around 4 months ago ... Long story short… Im still stuck in the exact same rank many months later despite consistently playing and practicing. I know Im not supposed to care about rank and I really try my best to ignore the number but my gameplay speaks for itself. I have not improved at all and still have terrible execution, panic all the time, cant read or react to a goddamn thing, cant anti air, cant hit confirm, cant play neutral, cant combo. (just basically everything)
My Original Post: https://www.reddit.com/Fighters/s/stg5kMC0S1

• been playing FGs and seriously trying to improve since SF5 (peaked at silvegold)
• since then ive also played mkx injustice GGAC+R and GGST -hardstuck at plat or around that same skill level for the past 4 years across different videogames -i watch streamers, tournaments, post replays on discord for review, watch a bunch of youtube content about FGs. I regularly upload and review my replays
• I spend time in training mode doing drills and I know how setup the training dummy

Now some things about myself …

• I am not a generally good gamer. I say this because I play multiplayer games (valo and other fps games and league of legends) with my friend group. I am also hardstuck bronze in all those games no matter how much I try. I can no longer play ranked games with them.
• I eventually just quit those games and moved to FGs that are single player so I can play on my own. I have a friend who picked up SF6 as their first FG AND THEY ALREADY SIGNIFICANTLY OUTRANK ME.
• I need people to STOP saying its normal to spend this long and hard working at fighting games…that I dont want it bad enough or that im not putting in the work. I AM A SLOW LEARNER. Im sure there are bot a lot of people who share my lack of progress despite the years of INTENTIONAL and PURPOSEFUL practice. I have literally done EVERYTHING I CAN POSSIBLY THINK OF to improve. People say that hardwork will trump any innate skill but the truth of the matter is that all my hardwork has left me stuck in platinum. I am BAD at videogames and accept the fact i need to work twice or even 3 times harder than the regular person.

I am out of ideas and cant play more than 1hr of SF6 without being on the verge of tears out of frustration. I end up taking extended breaks from the game more and more frequently and its significantly lowering the time I get to practice
I am coming to accept that maybe I just really cant do this on my own. I am considering investing in paid coaching but am afraid if I waste my money and still get no results then it will just solidify my fears that I am truly a helpless case. This would truly shatter what little self confidence I have left. I am not comparing myself to others. I want this for myself
Its just insane how much this is bothering me and affecting my life. I have tried to quit multiple times but I find myself wanting to just achieve this silly little goal this for myself.

So the idea of doing further maths is going around my class room and I wanted to know opinions from those who have done the subject.
Is it extremely hard to the point where almost double the amount of studying is required as compared to normal math or does it only require the same amount of time as other subjects?
Is it possible to do all as and a level further math components as well as the a level math components in one year?
Do let me know any other opinions/advice🙏

First thing’s first: I have discussed and will continue to discuss this with my diabetes nurse, so this is not me asking for medical advice. But I would like to hear some anecdotes to give myself some food for thought. I use 26 units Lantus long-acting and NovoRapid short-acting insulin at a carb/insulin ratio of 18g/unit.
It’s been a month since I’ve been diagnosed, and after about 2-3 rather depressing weeks, I’m beginning to get the hang of things - 82% TIR for the last 7 days, and 74% TIR for the last 14 days, which I’m pretty bloody chuffed with considering my A1C was 136 mmol/mol by the time I was hospitalised with DKA.
I have been told that well-controlled T1 diabetics should expect about 2-3 mild hypos per week. Fine. However, I’ve ended up scoffing at least 2-4 jelly babies after practically every meal, which is becoming very irritating as I’m consuming more calories than my diet and exercise plan accounts for, it can shoot up my BG overnight as I suddenly dip into a hypo that I must correct before bed, and it’s generally just destabilising my overall levels seemingly unnecessarily. I’ve tried upping my basal dose ever so slightly while increasing my carb/insulin ratio to get flatter peaks and troughs, but I’m not sure how much that’s helped beyond reducing the number of jelly babies I must consume at any one time to combat the post-meal hypos.
My question is: are these constant hypo corrections normal and to be expected? Do any of you have any tips or tricks to keeping your BG more stable, or is this the way it’s got to be to keep the bloody thing under control?

Welcome to week five of the Reddit Strength program. I hope you've all been enjoying it so far. If you missed any previous weeks, this is something you can jump into any given week you don't need to have been there week one for it to work. This strength schedule is designed to help you progress from one weight to the next (if that is what you want, you are of course free to maintain the weights you use as well). There is a #RedditStrength for those interested in joining it.
This is an eight week cycle that repeats. Each time we come around again I'll be looking for a couple newer classes to replace some of the older classes previously used.
Each class will list "light" or "heavy", this is not to be confused with the Light/Medium/Heavy weights instructors ask you to use for each move. What it means is, lets say you normally use 5/10/20 but you are hoping to level up to 10/15/25. When my class says "light" you would use your 10s when the instructor calls for medium weights and when my class says "heavy" you would use your 15s for the same move. This will help us to progress to where the 15s are your new normal.
Monday:

• 10m Core w/Emma 8/13/23
• 20m A&S w/Callie 7/1/23 light
• 10m C&B w/Callie 7/12/23 heavy
• 20m G&L w/Callie 12/7/23 heavy

Wednesday:

• 10m Core w/Robin 9/4/23
• 10m C&B w/JJ 11/1/23 heavy
• 30m G&L w/Selena 7/17/23 heavy

Friday

• 15m Core w/Callie 9/13/23
• 20m UB w/JJ 3/6/23 benchmark (PUtV v5 w3 d2)

Extra Credit:

• 5m Core w/Emma 5/12/23
• 5m Core w/Emma 11/19/23
• 30m A&S w/Adrian 5/19/22 light
• 10m C&B w/JJ 6/28/22 heavy (go heavier than he says to)
• 10m G&L w/Olivia 10/1/21 heavy
• 30m FB w/Rebecca 8/22/22 light

Benchmark: Every 2 weeks each body area has a Benchmark class. These are from the Pump Up the Volume collections and allow us to go through a progression of 4 classes with mostly the same class plan but different actual classes meaning different music, different stories and sometimes different instructors. These classes are all Rep based, which makes them great for benchmarking. You are encouraged to adjust the weights and reps to meet your personal goals. If Adrian tells you to do 10-12 reps with your medium weight but you want to do 6-8 reps with your heavy weight, go for it! This can be especially useful in the first classes where they keep the weights lighter, as these are intended to help you progress during the four classes.
Extra Credit: These are extra classes for those who want more work than the standard schedule. They are also good substitutions if for any reason you don't like a class or instructor on the schedule.
You can stop reading here unless you want to know why I am scheduling what I am scheduling.
The basis is a 4 week progression. In each body area we will use light weights for 2 weeks then heavy weights for two weeks per the definition of light and heavy above.
It follows this pattern, aiming for 30-60 minutes a day 3 days a week:

• Round 1 - 2 days light
• Round 2 - 3 days light
• Round 3 - 2 days heavy
• Round 4 - 3 days heavy

Each body area has the schedule staggered, so you're not trying to go all heavy in every area in the same week. This week we have A&S in round 1, C&B in round 4 and G&L in round 3.
FAQ

1. Can I start any week or do I have to begin with week 1?
   1. You can begin any week. This is a repeating cycle with no real beginning or end, a mobius strip of a program.
2. There are too many classes for me, how should I trim it down for my schedule?
   1. I recommend trimming evenly (but keep all the core if you can). So take off 1 A&S, 1 C&B and 1 G&L each week if that suits you better. Or at minimum just do the benchmark classes.
3. Do I have to do these on the prescribed days? I would rather take a couple classes a day for 6 days.
   1. Absolutely mix and match the classes across the week however fits best into your schedule. They are only listed this way because this is my personal schedule. As long as you are doing them all in the week you should get similar results.

Feedback
I would love to hear what everyone things. Specifically; Are there any classes you would like me to rotate out (why)? Is this the right amount of strength work for you? Do you have a favorite class you are hoping I work into the mix?

Hey all,
I’ve (39m) got high (33.6) thyroglobulin antibodies. 3 weeks ago they were tested at 22.9. So, at least from these two data points, that number is increasing.
The rest of my thyroid function (TSH, T3/4, TPO, Thyroid Stim) all fall in what the test says is normal range. For what it’s worth, I have very low iodine so I started supplementing that.
Anyway, for the past 3 years I have been struggling with depression, anxiety and low libido. It’s been difficult at times but manageable. In the past two months, however, I have suddenly developed extreme anxiety and depression. These come with panic attacks and bouts of sudden suicidal ideation. I am seeing a psychiatrist and therapist in addition to tapping every medical doctor who will see me.
Has anyone experienced these psychological symptoms solely from high thyroglobulin antibodies even when blood hormone levels are normal? I’d take literally any input anyone has on the topic. I am really struggling badly to the point where I may need to drop out of graduate school until I find a solution…or die.
Noteworthy: my mother’s mother had her thyroid removed at one point. My mother and aunt have been on synthroid for most of their lives from hypothyroidism and my father’s father also had a thyroid problem though I don’t know what it was.

I'm just two weeks into E patches and Spiro.
I went out last night with some of my closest friends and had a great time. Several of the women said that I looked different. I was in my male clothes (women's underneath) and am nowhere near presenting femme.
So, apparently my alcohol tolerance has changed in this short time. (I love, love, love a good cocktail!) One drink in and I was tipsy. Second drink in and I was giddy and talking loud. I do not, by nature, have a giddy personality. Third drink I didn't finish because I needed to sober up for an hour to drive home. Normally, I'd have no trouble downing four or more over the course of 4-5 hours out and feel just fine.
We were directly under an AC vent while dining. Normally, being formerly hot-natured, I would have loved the blowing cold AC. I froze my non-existent titties off.
Got home, crawled up under two blankets and froze my ass off all night. Every time one of my cold toes touched another body part it would wake me up. (On top of the multiple pee-wakes from the Spiro.)
This morning, as I type this, I am absolutely burning up and sweat is pouring out of my scalp. I took my Spiro about an hour or so ago.
Does this ever hot/cold stuff level or balance out?!?
Will I be able to tolerate alcohol again?

We’ve been together for 15 years, so many ups and downs like in any relationship. We went though a crazy couple of years where he found me masturbating and nearly lost his mind (I know it’s normal, he does it all the time I could care less- I just close the door and let him finish). But in his eyes, I was cheating. He felt so justified in treating me so horribly, he literally compared it to fucking someone. We all know that’s rediculous but in his head, he was right. He was so awful to me in front of our kids and harassed me on a minute by minute basis, he texted me pages of messages every minute of the day when he was at work…. I’m really not sure how he managed to get anything done. When I bring it up now, how crazy those couple of years were he gaslights me and says, ya you were nuts! Or he’ll say oh you poor victim. I don’t know if I need him to awknoledge what he’s done to me emotionally and mentally…. I think I just need to get over it on my own because I’m the one hose suffering inside. I read a quote that said resentment is like drinking poison and waiting for the other person to die.
Now that we’re in a normal relationship, he’s quite level headed I don’t know if it’s his age or what but he’s not loosing his mind like he was in the past. Now that we are here I think to myself, my god was that ever awful/unnecessary. I was in survival mode at the time but I think to myself now, how much more would I have taken? I have since learned about my cousin going through a divorce for something a lot less then what I’ve had to put up with… I guess I resent myself too. Why was I just taking it and taking it? I know nobody can answer that, we have kids and he was even horrible to them, you’d think that I’d draw the line there. But no. Now that our relationship is healthy I can’t help but look back at how much pain he put me though to the point where I didn’t care if I lived. If he heard this he would say, oh you poor victim. I know that’s gaslighting and I’m just looking for techniques to move forward, be mindful and enjoy the moment and forget the past so that it doesn’t take away from the present/future.

1. It seems like they've shortened the horse spur duration which makes the horse feel incredibly bad. Anyone noticed this or do I need more grass in my diet...
   
2. Several very strong builds that tear through all content...except for bosses. I understand bosses being more difficult than normal fodder, but being gated simply because I can't kill bosses when I know full well I could go up another 20-30 pit levels feels bad. My frozen orb sorc destroys the entire pit until I get to the boss and then I'm useless. More glyphs for each character that bring focus into single target damage? Something that we can add to our builds to level out that damage some.
   
3. Gold costs...all of the gameplay and upgrades and codex swapping feels very smooth. I'm getting materials as I need them, not having to wait for tortured souls etc...but my god am I constantly out of gold. Why must they always be throttling people?
   
4. Now that helltide is an hour long demon rave of insane proportions, dungeons feel boring? Not saying they have to increase monster density but the dungeons need something to add a little "fun" factor.
   
5. I'm having a hard time with uniques. On one hand the aspect on the item is needed for my build, however on the other hand a legendary with a greater affix or 3 and 2 good tempers is almost always better. Uniques need something to bring them into equal territory as pimped out legendary items.