Hi everyone, I recently got to a point where I’m really hoping for some advice. I read the rules and believe this is the correct spot and if not I apologize.
I’ve been trading since early 2020 in the stock market like a lot of new investors, over those years I saved up / made in earnings a total of 47,000 ish, I then played the last week rally of AMC /GME and now have about 121k.. I’m not worried about taxes as with my main income sources I always overpay taxes to not have to pay in as I have a lot of write offs. (Still learning there as well)
I could use about 110k to pay off enough credit cards / bills etc. to save over 3,500 a month in bills, that means I can save over 5k a month if I do that but I’d lose my large sum of cash and have maybe 20-30k in savings at absolute maximum after the fact.
I’m a newer parent and want to be debt free for my family so I lean to the monthly but I always hear after your 1st 100k that the market becomes 10x easier and if I had a 1M after about 3-5 years I’d be completely debt free and have enough to start a business for them was my thoughts or maybe keep in the market or real estate. I have been here for a while and lurked but I don’t really post much because I have no reason to really.
Any help AT ALL would be greatly appreciated!

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.
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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.

Regarding the backstory of the director, I personally think that Director Jin and Gilnyeon love story is sooo pure yet cruel. Young love. The backstory is really heartbreaking that it made me cried bucket of tears 🥹 I hope thay Gilnyeon is still alive and will show up. I want to see more of theeem. Director Jin and Gilnyeon would make a great couple.
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By the way, I found a website with its latest chapter ( chapter 88 ) and it seems that the relationship of Myeong and Yuhan is progressing because they have a film together as the leads & it's the retirement film of Director Jin. I think the two of them might have a tragic ending though bcs of the manager's disease ( I think it was mentioned as terminal ) Can't wait for the official translation huhqhwhsq 🥺
p.s I read the free chaps in webtoon but, I look for the raws in other websites in different language
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What are your thoughts in the latest chapters ? I'm still patiently waiting for the unlocked chapter to have the official translation through ads bcs I'm broke 🥲

Frank could have slept in the trailer, but he preferred being in the van under current circumstances. He could scare off anyone who got a bright idea to try and steal the vehicle, for one thing. And if something happened in the motel room, if Jenna and Mike needed help, he was closer.
Not that any of that seemed likely; this place seemed dead as hell.
The motel was a not-too-busted-down place. The town it sat at the edge of was a wide-spot-in-the-road type. An out-of-the-way hamlet, some might call it. To Frank's parents, the town would have seemed ideal. Small enough to seem homey and friendly — and Christian, of course — but large enough to have the basic amenities: a pool of suckers for Mama's MLM sales and other schemes, people looking for someone like Papa who could at least seem to fix anything for cheap, and an attitude that led people to mind their own business, even with new folks and strangers, leaving no one too inclined to call in Youth Services or the equivalent at every sign of a bruise or a scrape or bleeding backs or broken limbs.
They'd done a lot of midnight runners out of places where people showed some level of neighborly concern. Left a lot of things behind in rented houses and apartments.
The best time had been when Frank was between the ages of five and seven. They lived with Grampa and Gramma Schnedeker then, and all the kids who were old enough got to go to proper school for a while, like school-school. Grampa Schnedeker needed a lot of looking after, and Gramma wanted the kids out of the house at least a few hours a day so as not to disturb him too much.
Since they got to go to school, Frank and his siblings right on either side actually learned to properly read and do the beginnings of math and such. Mama said all they needed to read was the Bible, and Papa said math was only important as far as helping him measure and cut lumber and pipe for projects, but still, the kids learned. And when Grampa Schnedeker died and the family moved on, the kids who had got school for a while tried to keep up and to teach things to the little ones.
That got stopped pretty quick, and Mama took over the "lessons," which really just meant she handed the kids their little workbooks every morning after breakfast and left them to work — QUIETLY as she always demanded — while she went and schmoozed sales or whatever. All the boys stopped having any "lessons" after 10 years old. That was when they would start going to work with Papa.
All the boys besides Frank, anyway. But that was before anyone besides Frank even knew that Frank was a boy.
And boy, had that been Hell on Earth when he finally outright told them he was a boy. Mama went to scream-praying like she tended to, and Papa tried to beat Frank to death, and then he did other things that really almost did kill Frank, but luckily Susie called 911.
It was Hell after, too. All that time in the hospital, and the stuff was on the news, and then Frank was sent to foster parents practically across the country. Those first ones were okay, except they also didn't believe Frank was a boy. They just tried to send him to a conversion therapist, who somehow luckily realized that there was no converting Frank and tipped off the social workers. Frank got new foster parents who accepted him, helped him get a name change, and even let him stay with them after he aged out of the foster system, until he could get his GED and see about college.
And then there was college, with his new name and his new clothes and finally being himself, and then the year of college, he met Jenna, and everything since then had been almost golden.
He could not sleep, crunched up in the driver's seat of the van with his head full of memories, so instead he just let it all play, the good and the bad, until it was almost sunrise and he needed to piss like a racehorse.
Then he got out of the van and went to knock at the door of the motel room. After he peed, he would ask Jenna if she minded taking the first shift driving today.
Gotta be up early and get everything together. Danna hated cooking, so Derick made breakfast, got the kids settled, and carried a plate back to his wife, still ensconced in the big bed in the back of the RV.
God had said that the wife should be the one to tend to the home and children, had he not? And yet, if the wife was unable to do some part of that, surely the man, in his free moments, should try and help. Thus, Derick would cook and would see that the children had breakfast, since Danna had such trouble sleeping, and then had trouble waking in the morning, especially when she was pregnant.
And if Danna's mother had never taught her to cook, well, that was the sin of Peggy Lynn Sooks, not her daughter. God would punish Peggy for her failures as a wife and mother.
Other than the sleeping trouble and the aversion to some of the arts of housewifery, Danna was excellent. She was really smart, figuring out how to put together all the social media stuff. And she was always ready to go whenever God told Derick they needed to pick up and move on. She greeted each trip, long or short, with joy, and she treated her other wifely obligations with equal joy.
Perhaps too much joy, sometimes. Danna, for example, took great joy in the act of procreation. That was good, of course, for they were to be fruitful and multiply and spread their family over the Earth to carry the Truth of God's message.
But the act of procreation, sacred and holy as it might be, was never something Derick greatly enjoyed. He did not, as he knew some husbands did, press his wife to fulfill her duties every night. In fact, their marriage had not been conssumated for nearly two months after the wedding, simply because Derick was disinclined. It took Danna reminding him that God's holy word also said a husband should satisfy his wife, and then they finally joined fully in their union.
Still, they did not do it often, unless Danna pressed Derick. As the years went on, she did so more and more, and so he let her have her desire. It was his duty as a husband.
Today, they would stay here. God had said they would be here about a week. Danna seemed happy with that, and the children seemed pleased as well.
They always seemed happiest when the family stopped wandering a while.
Derick had tried to explain to the children why they moved around so much, and why they must keep doing so. He thought perhaps the oldest two boys were beginning to understand. The little ones were still far from such wisdom, but there was time yet.
There was time.
3 Table of Contents

Hello and good morning/afternoon/evening. I recently, in the past 8 months have become a lost control representative. I will be filling out 1099s at the end of the year. I don't work for one specific company but I am subcontracted through other insurance companies/lost control companies. I have been traveling the US for almost 2 years now and still new to this field so trying to learn what works best for me as for organizing for inspections and paperwork time. I'm trying to do this full-time as my girlfriend works in healthcare and we travel for her. I was a Chef for 16yrs and having to apply to a new place every 3-6 months was killing me. I picked this up as it can travel with me and I can pick up different companies in different parts of the state for different jobs.
I have worked builders risk, workers compensation, property and liability and a few more. I like this job and I feel like my background will help with many job types I go to. I have had my OSHA 15 for 9+ yrs, I have done tower climbing for a company that builds maintains and takes down towers, worked in the restaurant business for many years. I have high wire rescue certifications from working that job and building BIG zip lines. This has been a weird transition for me to say the least. Now I wear nice clothes and I'm the guy thats on the other side talking to people that I have never met, a big part of the job, and needing business card, but it's a great time and depending on how hard you work and what part of the country you are in this could be a high six-figure a year job.
Seeing that I'm on the road so much I don't get to meet anyone in my field and "talk shop". That's one thing I kind of miss is being able to talk to coworkers about our jobs. It would be nice to be able to bounce questions off some one else and find out tips and tricks to this trade. Talk about this stuff to people that know what I'm talking about. I see myself doing this for a long time and maybe jumping up and be a field manager at some point. So I'm wondering how do you prepare for an inspection. How do you call up the insured and talk to them about what you need to do on there worksite, house, office or business. What do you use for a organization tool. Mac or windows, Android or Apple haha. These are all this that Im trying to get a hang on. How do you go about your work days?
Thanks for reading and hope to talk soon.

For backstory my great grandmother developed paranoid schizophrenia after menopause and my mother has had brief episodes of psychosis but is okay now. Ever since her psychosis though, I’ve had a big fear of psychosis. I’ve had ocd and anxiety since I was about 5 and im now 25. When I was in middle school I developed it severely though and had extreme derealization / depersonalization that I still suffer from. Right now I’m going through a very bad anxiety phase, almost agoraphobic. I get extreme derealization with thoughts about myself or reality or things I could hallucinate. The feelings and thoughts are so weird I am absolutely convinced they are the beginning of schizophrenia. I’ve read about disorder of self and am afraid that’s me. For example, I’ll start panicking because I don’t know where my thoughts are in my head. It freaks me out. Where are they coming from? How are we all thoughts? And feel like I physically can feel where they are in my head. I’ll become so hyper aware of myself I can see my own eyelashes and feel paralyzed and nothing feels or looks real and everything looks high def and off. I’ll feel like I’m blending into reality, or during one panic attack I felt like there was two of me for a minute. I often feel so weirded out by myself or my limbs I feel like I can’t use them. My arms often feel detached and weird. I’ll feel like I don’t have a jaw and then imagine I hallucinate I don’t. Or feel like I can’t tell what limbs are and like I can feel an extra one and I’ll imagine I hallucinate I do have an extra one. What if these aren’t just what if thoughts but feelings that indicate the beginning of schizophrenia and my ocd just plays on it?:( I feel crazy just typing it, like that’s so weird that it has to be schizophrenia. The thoughts about my self and reality get so so weird and dissociating. And sometimes things just don’t feel or look right and I’m so hyper aware of everything , every object , and feel like I’m swimming in the air. Which ive heard is a sign of schizophrenia :(

For backstory my great grandmother developed paranoid schizophrenia after menopause and my mother has had brief episodes of psychosis but is okay now. Ever since her psychosis though, I’ve had a big fear of psychosis. I’ve had ocd and anxiety since I was about 5 and im now 25. When I was in middle school I developed it severely though and had extreme derealization / depersonalization that I still suffer from. Right now I’m going through a very bad anxiety phase, almost agoraphobic. I get extreme derealization with thoughts about myself or reality or things I could hallucinate. The feelings and thoughts are so weird I am absolutely convinced they are the beginning of schizophrenia. I’ve read about disorder of self and am afraid that’s me. For example, I’ll start panicking because I don’t know where my thoughts are in my head. It freaks me out. Where are they coming from? How are we all thoughts? And feel like I physically can feel where they are in my head. I’ll become so hyper aware of myself I can see my own eyelashes and feel paralyzed and nothing feels or looks real and everything looks high def and off. I’ll feel like I’m blending into reality, or during one panic attack I felt like there was two of me for a minute. I often feel so weirded out by myself or my limbs I feel like I can’t use them. My arms often feel detached and weird. I’ll feel like I don’t have a jaw and then imagine I hallucinate I don’t. Or feel like I can’t tell what limbs are and like I can feel an extra one and I’ll imagine I hallucinate I do have an extra one. What if these aren’t just what if thoughts but feelings that indicate the beginning of schizophrenia and my ocd just plays on it?:( I feel crazy just typing it, like that’s so weird that it has to be schizophrenia. The thoughts about my self and reality get so so weird and dissociating. And sometimes things just don’t feel or look right and I’m so hyper aware of everything , every object , and feel like I’m swimming in the air. Which ive heard is a sign of schizophrenia :( this all seems like self disorder :(

We've just started using cloth diapers on my LO maybe about 2 months ago and everything's worked out great. Now all of a sudden none of her inserts for her pocket diapers don't want to hold any water. We've been washing them the same way every time. I'm so tired of her peeing through almost all the time. We read somewhere that we might need to strip them but idk where to start there any advice will be greatly appreciated.

Greetings and salutations. I'm pretty much looking for someone to rant about anime with because none of my irl friends care for it 🫠, of course other topics are more than welcome too. Asides from anime, I'm interested in crochet, music and anything literature adjacent, I'm also a lover of cats and snakes, because they are beautiful and fascinating creatures and that is the hill I will die on. 😌 Ultimately, I'd like someone that I can just be silly and comfortable with. Thank you for reading thus far, have a great day/rest of your day!

TLDR; This is mostly a vent, but gentle advice would be nice. (1) I would like to send my professor short, honest email to communicate this but I’m not sure how to word it. (2) is my 1.5x extended time exam accommodation applicable and is it still reasonable to to request one? What are your thoughts and experience with this? Thank you and congrats to all graduating this semester
I have no excuse for not having anything to submit. I’ve been completing all my worksheet assignments to prepare for writing the research proposal as a whole and received good feedback from the professor. My mind has been blanking this entire week trying to put it all together into writing with an annotated bibliography.
It’s due tonight at 10pm and my professor doesn’t accept late work. It’s whatever at this point. I was planning on emailing her saying I’m not sure how to explain myself but that I don’t have a research proposal to submit by the deadline tonight. I accept the consequences of failing … I don’t really have an excuse. I’m not really sure what else to say. And how to word to the professor that I’m not expecting anything from her.
I do have 1.5x extended time on final exams through the school’s disability office. While the research proposal is the final project for the course, I don’t think it’s justified to receive an extension because I’ve had more than a week to work on it. Even then, it just feels so last minute requesting one on the same day it’s due. My exams were typically open for a week for most of my prior classes. I always meet with my professors at the beginning of the semester to review my approved accommodations and they would tell me to let them know if I needed more time. They didn’t mind giving me 1-2 day extensions as long as I communicated with them ahead of time. This time it feels harder because it’s a writing course. My professor is nice and gave me an extension when my Masters exam was the same weekend as one of her graded assignments. But she also gives off the vibe that she’ll stick to her late work policy
I take medication for both adhd and anxiety and it usually helps somewhat with focusing. But this semester my brain completely shuts down each time I have to put my thoughts into writing and I just end up staring all day at a screen unable to organize anything. It took me 3 days just to pick my annotated bibliography sources and figure out how to organize them. This brain fog feels the same as I did a few years ago when I experienced serotonin syndrome from taking another anxiety med. I’ve been on a different SSRI ever since, so many it’s underlying depression and anxiety… I thought I was just burnt out, but life has been relatively lax this year and my motivation hasn’t improved since November.
Anyways, I’m not expecting the professor to give me an extension or incomplete. Not sure how to conclude this but please read the TDLR if you plan to respond to this.

Helloo again Gift of Games! I just had to come back to ask for Ultrakill (AKA the most amazing game everr!!!!!!!!!) this is my 14th attempt but i'll still keep going! :D
I actually have played the game again a bit more than before thanks to someone! And I can say that this game IS AMAZINGGGGGG. I mean I love it so much! ULTRAKILL is basically a very fast paced "Boomer Shooter". You play as V1, an old war robot prototype who goes to Hell itself to fuel itself with blood after Humanity has gone extinct. You go through the layers of hell based on a book called "Dante's Infernos" (correct me if I'm wrong lmao). The game is built around the style system and comboing weapons, the cooler your plays are, the more style you get. And at the end of the level you get a grade from D C B A S or the special P rank.
Ok now onto why I want this game. There is, so much tech in this game it's insane, a ton of weapons seem to work together seamlessly like mixing a ricochet coin with a railgun causing an Ultra ricochet. You can parry the projectiles from your shotgun and rocket launcher and so on and so forth. Really this game seems it was made with passion. the Music, amaaazing, I love the breakcore and how everything feels unique despite sounding similar. Graphics, well, they are made to replicate old ps1 and ps2 graphics and I feel like it works really well! Each layer of hell feels very unique on it's own and easy to recognize, Limbo is a fake paradise, lust is a big purple city with lots of electricity, greed is a desert and so on. The bosses are also just really well made, V2 and Gabriel (judge of hell) and a secret boss for P ranking all of act 1 are more fast paced and harder to aim with small hitboxes, but Corpse of Minos and Leviathan are like giants and are just fun to parry and shoot.
The story, also pretty good! Each enemy and such have their own small lore and stuff for people who actually want to go deep in the lore. This world takes place on an earth where god went "Oh damn these humans suck" And just left. So the angels in heaven scrambled to get order back in heaven and created a council (it doesn't go well) I won't spoil the entire thing cause it's pretty fun to figure out!
I'm again asking GOG for this game because I'm still looking into finding a good drawing tablet (yes I'm still doing this, figuring out which tablet I should buy is surprisingly really hard) And I'm saving up money for one! If you've played Ultrakill tell me what your favorite weapon tech is! :)
Well, Thanks for reading this, I hope I get the game, but if I don't it's not much of a big deal. :)
STEAM - https://steamcommunity.com/profiles/76561198873626798/
GAME LINK - https://store.steampowered.com/app/1229490/ULTRAKILL/
thank you! :D

I 17M moved her bags a long with a few other people’s as well after they made a lot of noise and threw stuff such as pens and pencil cases at me when I was trying to work in a Silent Study room. When they were asked about why they were being rowdy, their excuse was it was left in an unsupervised state which ‘implied’ talking is allowed EVEN THOUGH there was a notice board that specifically said it was a quiet room.
After this happened, I messaged one of the people involved, apologising for my actions and just explained that it was frustrating trying to work in what was meant to be a silent room and having to put up with noise and things being thrown at me, acknowledging it would have been better to move myself to another table.
The day after all this happened, the girl in question (We’ll call her Kat) and a friend (We’ll call her Sam) came into the room. They began making indirect comments alluding to the day before and in these comments, they stated my behaviour is ‘racially motivated’ and they would jump me after school. One of my friends (also in the room) said she heard them mentioning a knife being involved. Kat and Sam went on to make comments every time someone coughed or sneezed which were ‘Let’s hope he doesn’t move their stuff, I think that pretty loud.’ They then tried to make a scene about me closing a set of blinds on one of the windows as it was creating a glare on the computers in the room, making it hard for people to read digital work and it didn’t make sense to have them open if the lights in the room were also on. Sam tried to say she found it easier to read her iPad with the blinds open and when I pointed out that it made no sense, she tried to change the topic entirely by saying she had an exam the next lesson and that I should show consideration to her and grace to her and drop the argument.
When I said that I wasn’t the inconsiderate one, two of their friends (Missy and Pam) also began to attack me verbally as well. I said to Missy not to get involved because she has other things to worry about like her boyfriend being a dealer who cheats on her regularly and has sent inappropriate messages to many girls including my sister. Pam then turned around and out of thin air tried to suggest I online date on a kid’s game which I’ve never played before and also brought up my parents living abroad for work, saying they didn’t love me enough to take me with them. Kat then tried to say to me to be considerate again so I said ‘You mean like you were showing consideration to your boyfriend when you cheated on him with half your grade? Close your mouth and close your legs please.’ After this, I left the room.
The next day, I found out Kat had told people outside of the room what happened however she exaggerated many details. Then when I began discussing my perspective, she tried to say I was spreading malicious lies even though I only had discussions with those who were in the room, unlike her because she was sobbing to all who’d listen.

I replied to a post yesterday and in the discussion there were a number of requests for more info on how I grew my annual earnings from 28k to 750k over a 30 year period. I commented that it was nothing fancy, but that I’m happy to share what my personal playbook was with this post.
First, there are many ways to get wealthy. Mine was the boring slow way. I didn’t grow up in poverty, lower middle class is more accurate. Had two great parents who cared, but we didn’t have alot financially. Put myself through a state college to get a Bachelors in business. Wanted to start my own business after graduation but needed to get a job to start paying back the school loans.
I had read every career and business book I could get my hands on, and the strategy I chose was to get hired in an entry level role at a branch of Fortune 500 company and work my way up. I was trying, but just wasn’t getting hired because I didn’t have any experience. From what I read, Sales would be the best place to start for me.
I was however able to get a year or so of sales experience at a small company, making 28k. With that experience I again started applying to big companies. Not in tech, and while that’s probably one of the best fields, I really don’t think field matters as much as size of company does. Big, publicly held companies benchmark compensation levels and tend to structure pay similarly to be competitive.
Ideally your background will allow you to target a large and steadily growing industry. That was my strategy thinking it would equate to more opportunities for advancement over time.
I finally landed a sales job in a small field district of a Fortune 500 company, and my pay went up to 60-70 annually. My first big jump. I outperformed my peer group and built a name for myself internally and externally in the market. A few years later I was anxious for a promotion that was still a few years away based on internal timing. When I got recruited to go work for a different company as a sales manager role, I took it. My compensation jumped to 130k. 90k base, plus bonus. Most importantly this company was doing better than my first one, therefore had more internal opportunities to apply for, which I did. I made it known I was here to learn and grow and make contributions to the business. Management liked the enthusiasm and I delivered on results.
25 years and 7 promotions later I was a VP. There was no secret advantages here. I out worked and outperformed others, kept a positive attitude, asked for mentorship, was a lifelong learner, built relationships and a good name for myself, and was willing to adapt to a constantly changing environment. I put integrity first and build a solid reputation and relationships up, down and across the large organizations.
Outside of work, my sahm wife and I raised our family comfortably on my growing salary, but we avoided lifestyle creep. Never spent much more when 750k came in than we did when 200k came in. Key was paying off all debt including our house early and investing steadily over this time period. Net worth is about $7M today and will be $10M when I retire in a few years. This is just one persons path, but perhaps it’s helpful to some of you. Happy to answer any questions here but no private messages please. Too many scams out there. Best regards.

I had a sleep over with my nephew who is the same age as my 4 year old. At age 4 he reads, is emotionally well regulated, does math, counts past 100, and is probably more athletic than I am.
He goes to our school district’s high quality preschool and has been for 2 years. I wanted my kids to go to it but the hours didn’t allow it and we couldn’t get a before/after school care spot.
Paying for the public preschool and getting a nanny in the morning and afternoons is too cost prohibitive in our area.
My kids go to a private program that is more expensive than the public preschool and not as good. It is a glorified daycare with little teaching.
The kids across the street also go the public preschool/schools and are leaps ahead of my kids and the other kids on the street that go to private programs.
I feel I am not giving my kids the great public education I had. Where we live private schools just don’t have the resources to attract high quality teacher like public schools.
I keep telling myself how lucky my kids are. I see a lot of kids of stay at home parents struggle with basic social issues like staying in line, learning to basic instructions or social cues. The fact that that my kids get to go to some kind of “school” is a privilege but it makes me sad that the kids who have 2 full time working parents get a worse education because of childcare concerns.
I see why so many patents go part time.

Hi, this is my first time posting on Reddit. I just need to vent some frustration.
I'm currently attending a well-respected university. Our department is pretty small, with only around 1,000 students across all four years. My boyfriend (we've been together since first year, during online classes) is 22, and I'm 20. Building on what I mentioned, my boyfriend and our Dean (34F & a single mom) are family friends, but their friendship seems to have blossomed during the return to in-person classes. She, along with many others, knows my boyfriend and I are together. It's pretty common knowledge—I'm involved in a lot of student organizations and consistently make the dean's list, so many professors and students recognize me.
During face to face classes, After our 2 PM classes, my boyfriend would usually take me home. Sometimes we'd grab a date, but other days he'd just crash at my place for a nap then uuwi siya (at least, that's what I thought). Napapansin ko, palagi silang magka chat and he doesn’t even call her ma’am or miss, first name basis sila. At first, I just brushed it off. I mean, come on, she's way out of his league, age-wise, and super respected pa. But, lagi niya inuutusan si BF—utos dito, utos doon. He practically lives in her office na running errands like chauffeuring her around in her car or his. I tried to be cool about it, but the jealousy's creeping in. TAKE NOTE: he won’t let me open his phone or hold his phone pero okay lang sakin kasi sobrang tiwala naman ako sakanya.
Gaano sila ka close? For example:
It was a school break, so we barely saw each other. But it was our monthsary, and we'd planned this date for ages. I was so hyped, all dressed up, and we were having a great time until...he slams on the brakes and says our dean needs a ride. Apparently, she got into a small accident, and no one else can drive her car? Seriously? My heart sank. He ditched our date to chauffeur her around, and I ended up back at home, alone, in my fancy dress.
December (NEW YEAR) at 12 am: he told me matutulog na siya kasi lasing na daw. Turns out, a friend of mine spotted him smooching some chick at a bar. Sinend sakin yung video the next morning pero diko makita yung face ni girl kasi naka lean siya sa neck ni bf. I confronted him about it pero sabi niya someone daw na kilala niya dati. (Grabe siya mang gaslight, grabe siya mag sinungaling). Even before the New Year's Eve incident, there were red flags I ignored, marami na nagsasabi sakin na he’s up to no good but I used to think trusting people meant shutting out outside opinions, especially when they painted him in a bad light. I wanted to believe the best in him, even if he looked like a walking "fboy stereotype." Blind trust turned into heartbreak. This whole situation has been a wake-up call. My self-worth is important, and I can't let anyone walk all over me. So yeah, we broke up.
But last week ko lang nalaman, Just when I thought things couldn't get any worse, his best friend throws another grenade into the situation. He confessed that my boyfriend manipulated me from the very beginning, and there was more to their "friendship" than meets the eye. After nya pala ako ihatid samin, he would go back to school to be with our dean. The woman he cheated on me with last December? Our freaking Dean. And get this - turns out there was already something going on between them even before that. I feel so betrayed, like everything he ever told me was a lie. It's disgusting. I’ve heard pa nga na they’re officially together na ngayon and ayaw daw ni Dean na lumalapit sakin si boy, or sumama even with our friends (we’re classmates btw). Medyo all out na rin sila sa relationship nila. The Dean's behavior is actually frankly concerning. She shows up at every off-campus basketball game, sitting on the player's bench and cheering him on, completely disregarding the professional boundaries. It's no wonder rumors are flying around our department na.
But yah, With her being the Dean, it terrifies me that my grades or academic standing could be affected by all this personal drama. I don't care about their relationship, I just want to focus on my studies and not have this mess spill over into my academic life.

Hey,
I have known this guy for quite a while I think as I met him through my cousin & for a while we knew of each other but then we met each other etc. Essentially I like him I have feelings for him and we couldn’t stay platonic around each other and other people (my cousin & her husband) told me that I can’t do platonic around him.
I’m in a bit of a difficult situation as we’ve both been through a lot and something very similar that he’s still battling through right now I had told him that before I go into a committed relationship I need to heal and be in therapy which he agreed and was totally fine with and I sort of suggested my boundaries I.e for the time being I feel like hanging out 1-1 is too much pressure but hanging out in a group with him I.e with my cousins I feel fine with as the pressure isn’t there, him staying over (as he has stayed over twice & I just realised I need a step back) , a lack of being constantly affectionate 24/7 (holding hands, kissing, hugging) but after I am healed I do want to be in a relationship with him as there is obvious feelings there. My question is essentially I feel like I am a bad texter with him for some reason as I feel like it’s quite repetitive I.e “good morning how did you sleep?” I just for some reason do not know how to talk to this guy and perhaps would consider myself to be a bad texter I just don’t know what sort of things to text about (I also have symptoms of ASD and so does he) but for some reason I feel like I just don’t know what to text and as a result of that it makes me feel anxious… please any advice would be greatly appreciated as I feel like I’m just incapable of love or being with anyone until I’ve healed and had therapy from my trauma and he is so understanding about it as he’s been through a similar thing that I have and we are both awaiting therapy.
(If you’ve read this far thank you so much)

I am grateful to the Greatly Merciful and Greatly Compassionate Guan Yin Bodhisattva for offering me this precious opportunity to share my experience of practising Buddhism with you.
I am 62 years old. Today, I can eat, sleep and walk like a normal person. However, did you know that I once was a paralyzed woman who could not even get up from bed, had difficulty turning over, and could not take care of myself? Through practising Buddhism and reciting Buddhist scriptures, I have completely freed myself from the misery of hell. I want to tell you with hard facts that practising Buddhism and reciting the scriptures has not only given me a second life, but has also benefited me immensely. I want to share with you how I transformed myself from paralysis to health within four years without undergoing any surgery! May my presentation plant the seeds of bodhi in your hearts, so that more people will have faith in Guan Yin Bodhisattva who has boundless supernatural power, and recite Buddhist scriptures as soon as possible to be free from suffering and gain happiness!
1. When I was young, I opened two bars so I created bad karma, and karmic retribution is right on my heels!
I am the eldest daughter of my family and the eldest daughter-in-law of my in-laws family. Both my mother and mother-in-law are Buddhist practitioners and urged me to practise Buddhism as well. However, because of my youthful ambition and good fortune, at the age of about 36, I ran two bars and enjoyed the pleasure of earning money, not bothering to practise Buddhism at all. By then, I was young and foolish, in the bars I gained filthy money by means of woman’s charms, which invariably created a lot of bad karma. How many people lost their morals and conscience for my sake of monetary gain? How many families have been broken up behind the scenes? How many people have done many things against ethics and morality under the paralysis of alcohol? I hereby express my deepest repentance to Guan Yin Bodhisattva! Karmic retribution is inescapable. I planted the evil cause so I reap the evil effect. The bad karma I created within two years of running the bars has brought me a tragic retribution 13 years later! (So, dear fellow practitioners, please take this as a warning!)
In 2010, I was 49, my predestined 369 calamity arrived. One day in July, my karma exploded. I suddenly collapsed at home kitchen while stirring frying vegetables. In an instant, I felt that the sky was falling, and I had nowhere to turn for help. An otherwise healthy me entered a life of hell on earth from then on. Every day, I ate, drank, pooped and peed in bed, had difficulty turning over, couldn't wash my hands and face, had trouble swallowing, so it was worse than death. I was paralyzed in bed from then on. The doctor said I had a herniated disc in my lower back. All the bones in my back were misaligned. Both knee bones were necrotic and so swollen. I have visited all the local city and provincial hospitals, big and small, to seek medical care. I almost spent all the several hundreds of thousands of RMB I had gained from my bar business. However, the condition got worse and worse.
2. Since encountering the excellent Guan Yin Citta Dharma Door, I have been practicing Buddhism hard to overcome any obstacles on the way and finally achieved a new life.
Perhaps it was the blessing from my family members who had been making offerings to the Buddha and practising Buddhism for years. Thanks to the mercy of Guan Yin Bodhisattva, I finally encountered the Guan Yin Citta Dharma Door in 2012 when I was in the most desperate situation in my life. The person next door to my bar heard that I was sick and came to see me. She brought me Buddhist scripture, recitation device, Buddhism in Plain Terms, counters and many other Dharma gems. She told me the Guan Yin Citta Dharma Door was very efficacious, and asked me to try it. Although I could not move on bed, I listened all Master Lu's recordings like a thirst. I was pleasantly surprised to hear cases of patients who had been cured of cancer and serious illnesses by practising Buddhism and reciting the scriptures. The recordings of Master Lu's programs were like a bright beacon in the darkness, bringing me hope for life and giving me great encouragement. I felt I was awakened by a powerful energy, stirring up my strong desire to live. I told myself: I must survive; I must save myself! I started to practice Buddhism and recite scriptures as if I had grabbed a lifeline.
I am illiterate, so I had to lie in bed every day and learn to recite word by word with the recitation device. Due to the heavy karma, there was no virtuous and the high-minded practitioner around to teach me how to burn the Little Houses in a rational and lawful way. I foolishly took an ashtray instead of a plate to burn the Little Houses, which resulted in the ashtray blowing up. In order to eliminate karma quickly, I was foolishly reciting the Heart Sutra and Amitabha Pure Land Rebirth Mantra after ten o'clock at night, which resulted in the light bulbs breaking several times (Here, I sincerely remind my fellow practitioners: Master Lu enlightened us not to recite the Heart Sutra and Amitabha Pure Land Rebirth Mantra after ten o'clock at night. Please make sure to read the Introduction to Guan Yin Citta Dharma Door carefully in order to avoid practising Buddhism irrationally). Therefore, we must follow the instructions of Master Lu, and never do what the Master does not allow us to do. The whole process of reciting Buddhist scriptures to eliminate karma is very bumpy. It is really easy to create karma, but very hard to eliminate it! However, I firmly believed that the Bodhisattva is infinitely powerful. As long as I diligently practised Buddhism, my fate would definitely get changed. Hence, I relied on the blissful cases in Master Lu's recordings as my spiritual support. I kept persevering, not afraid of any difficulties, and recklessly recited Buddhist scriptures.
Since I ate, drank and pooped in bed, my aura was very bad. As I could not get up by myself, so I had to lie in bed to recite the sacred Buddhist scriptures. I felt guilty and torn, wondering if this was the appropriate way to recite the sacred Buddhist scriptures. Will it affect the effect of the recitation? Gratitude to Guan Yin Bodhisattva for Her compassion, and I dreamed of Master Lu that night. Master Lu who was dressed in a black suit smiled at me and kindly comforted me: “don't worry.” After I woke up, I was very grateful for Master Lu's compassion. Master Lu knew about my special situation, so this is a sympathy and a condolence to me. After I recited Buddhist scriptures 4 to 5 months late, my neck and head were able to turn significantly. Such a Dharma blissful change thrilled me. All the trials and perseverance I had gone through in the past had not been in vain. Guan Yin Bodhisattva has boundless supernatural power, which had given me a glimmer of hope for recovery! (Here, I sincerely remind my fellow practitioners: In the absence of illness, recitation of Buddhist scriptures must be respectful. A point of respect harvests a point of benefit.)
3. The unique characteristics of attending the Dharma conference and formally acknowledging Jun Hong Lu as my master allow my physical health to improve with Dharma joy
In February 2017, I befriended a fellow practitioner. She invited me to attend the Macau Dharma Convention together. I thought to myself: “can I take the bus by myself?” “Can I attend the conference?” With a strong faith from my inner heart, I attended the conference via keeping reciting the Great Compassion Mantra on the trip. Unbelievably, I arrived at the conference as I wished with the blessing and protection of Guan Yin Bodhisattva, although my bulky legs could only barely support my body in the seat. I was in tears when I listened Master Lu's wise words and saw the holy icon of Guan Yin Bodhisattva. On the night of the conference, I dreamed of Guan Yin Bodhisattva! Gratitude to Greatly Merciful and Greatly Compassionate Guan Yin Bodhisattva for saving me from suffering and giving me a new life. At the end of the Macau Dharma Convention, I instantly made two vows: to be a vegetarian for 15 days per month and liberate 10,000 fish.
Before I attended the Macau Dharma Convention, I had to take a break whenever I walked two steps, and my body was not able to move much. After returning, my legs started to become strong enough to support my body and I could walk on flat ground. Despite they were not very flexible, they were no longer the same as when I was paralyzed like a limp in bed. My whole body is getting better and better in essence, vital energy, and spirit. I was very surprised! Master Lu has enlightened that there are many Buddhas and Bodhisattvas coming to bless attendees at each Dharma conference!
In August 2017, before the Dharma Convention in Malaysia, my fellow practitioners urged me to formally acknowledge Jun Hong Lu as my master. Since I am an illiterate, compassionate fellow practitioners helped me to fill out the application form of seeking discipleship. My fellow practitioners told me that there were so many people wanted to formally acknowledge Jun Hong Lu as their master that I might not be able to reach my wish this time. Then, I had to wait for the opportunity next Dharma Convention. I told myself that whether I could reach my wish or not this time, I would actively participate in Master Lu’s Dharma Convention. Considering my age, it is a blessing for me to attend one more Dharma Convention. To my surprise, one week later, my application for seeking discipleship was approved. Gratitude to Greatly Merciful and Greatly Compassionate Guan Yin Bodhisattva!
On the day of seeking discipleship, I was very excited. During the process of seeking discipleship, I heard a voice in stereo that was very loud. When I opened my eyes, I was surprised to see Tathagata Buddha, and many other Bodhisattvas coming down from heaven. At that moment, I saw that the upper half of Master Lu's Dharmakaya appeared transparent with a huge lotus flower. I was suddenly moved to tears. I was oblivious to the fact that Master Lu had come to my side until the time of issuing the discipleship certificate. Master Lu was very compassionate and empowered me with blessing. Master Lu enlightened, "Because five people opened their eyes during the worship ceremony, they have no lotuses planted in the pure land. But it's okay, when the ceremony is over, you can go to the front and kowtow to ask the Bodhisattva (to plant a lotus)." I then rushed to the front to worship. Before I finished worshiping Bodhisattva, a young fellow practitioner came over. He asked, "How do you feel? Did you see anything?" I said, "I saw Tathagata Buddha." He asked, "How are you sure that was Tathagata Buddha?" I said, "Both my mother and mother-in-law are Buddhist disciples, and Tathagata Buddha has curly hair."
I was grateful for the compassionate blessing from Guan Yin Bodhisattva and Master Lu. When I returned home after seeking discipleship, I made two vows: to be a vegetarian for the rest of my life and never kill (animals). The power of a vow outweighs the force of karma. After I made the vows, Master Lu’s Dharmakaya came to help me heal my legs in my dreams. Once, I saw Master Lu’s Dharmakaya passing by my room while I was half-squinted. Master Lu asked me, "Which foot is uncomfortable? Where is aching?" Instantly I woke up and then I found that my feet didn't feel as heavy as they used to be and I walked more lightly. I excitedly shared the news with my old father, "Master Lu has come to bless me again!" I am grateful to Master Lu for his compassionate care for every sentient being. Every time I dreamed of Master Lu, he would always compassionately endow me with abundance of blessing, and I was always surprised by the improvement in my health.
In a short time, I could not only separate my feet and take turns to walk up and down the stairs independently. Moreover, I could bend back and forth freely with my arms crossed. The bones in my back, which were all misaligned and uneven, were now completely normal again. Previously, I couldn't raise my hands to wash my face, brush my teeth or comb my hair because the bones in my back would pull the nerves and cause severe pain when I raised my hands. In those days, whenever I sneezed or defecated, I felt like to cheat death on pain. In those hellish day I went through unimaginable pain and suffering. Now, however, I can take care of myself completely and move around freely. Sometimes I get a little tired after walking for too long, but I can recover after 10 minutes of rest in bed. Although it is still slightly bumpy while I was walking, if you don't look closely, you can't see it. My family was overwhelmed to see the dramatic change from being paralyzed and bedridden to walking independently since I practised Buddhism. My old father, who was taking care of me at the bedside, complimented me straight away: you have completely changed, becoming healthier and healthier now! I was so excited that I had tears in my eyes. Without the rescue of Greatly Compassionate Guan Yin Bodhisattva and Master Lu, I really wouldn't have the blissful transformation I have today!
In 2019, at the Dharma conferences of Indonesia and Singapore, I pleaded with my fellow practitioners to be merciful to give me the opportunity to volunteer. According to the rules of the Dharma conference, I was already overage. However, I was adamant that I must do volunteer work. Guan Yin Bodhisattva has given me a second life, so I have to serve all sentient beings physically. I am grateful for Greatly Compassionate Guan Yin Bodhisattva who helped me out. When I came back from the conferences, I found that I could bend and squat easily and freely, and I had no problem even sitting on the floor. I am grateful to Guan Yin Bodhisattva for compassionately helping me to eliminate my karma at every conference, so that I can obtain incredible blessings and improvement occur every time.
4. The incredible blessing of setting up the Buddhist altar accelerated my health recovery and created a medical miracle.
From the time I set up the Buddhist altar in 2017, I insisted on offering Bodhisattvas incenses morning and evening every day. At first, the body was still straight and could not bend and bow. For two years, in front of the Buddhist altar, I prayed for Bodhisattvas to bless me so that I could recover my health a little better so I can use my own experience as an example to convince sentient beings to gain faith on Dharma and practise Dharma. Gradually, I was able to stand to offer incense to Bodhisattvas, to bend and bow, and finally to kneel in front of the Buddhist altar to recite the scriptures. I was full of Dharma joy! Initially, my back still hurt from kneeling. With the karmic obstacles being removed, my back didn't hurt anymore. Sometimes when I went out with fellow practitioners to set up the Buddhist altar, particularly on the Buddha's Birthday, I could kneel to recite the Eighty-eight Buddhas Great Repentance for an hour and a half. My fellow practitioners couldn't keep it up, so I was the only one who kept it up until the end. I am so grateful to Guan Yin Bodhisattva for Her compassionate blessing!
At one time, the doctor at the provincial hospital told me that I had to have surgery to put two steel plates into the bone, but I refused. Because I firmly believe that with the of blessings of Guan Yin Bodhisattva and Master Lu, I am afraid of nothing. Buddha is an extraordinary doctor. The only way to recover completely is to repent sincerely and practise Buddhism. I can now move as freely as a normal person. This medical miracle achieved was completely relied on practising Buddhism, reciting scriptures, being a vegetarian, helping new practitioners to set up Buddhist altars, volunteering at Dharma conferences, and actively propagating the Dharma. To improve my family economic financial, I went out to work on construction sites as a helper, do cleaning and housekeeping!
Those patients who were once slightly paralyzed did not recover as quickly and well as I did, even with surgery.
Dear readers, when you see such a dramatic change in me, what are you hesitating for? Hurry up and pick up the Buddhist scriptures to recite! I am the living example, the ironclad evidence. Guan Yin Bodhisattva does exist, and She is Greatly Merciful and Greatly Compassionate, answers any prayers.
Thinking of the bad karma I created in the two bars when I was young, I feel grievously sinful. I have earned ill-gotten wealth, but the karma was produced, and karmic retribution is inescapable. If one hasn't been retributed, the time hasn't come yet. After I got old, all the retribution came to me. Not only did I use up all my money, but I also had to suffer from physical illness and paralysis. I advise everyone to remember Master Lu's enlightenment: Do not do anything that is evil; Do not fail to do good no matter how petty the deed; Do not engage in evil no matter how trivial the deed. Dear readers, please consider it carefully before earning any money, and don’t commit such deep sins as I did for the sake of monetary gain, or else the consequences will follow you!
Without the merciful salvation and blessings of Guan Yin Bodhisattva and Master Lu, I would not have been reborn today! I made a few great wows: honour the teacher and respect his teachings, live an ascetic life for lifetime, be a vegetarian lifetime, not kill, not eat eggs, not smoke, not drink; transcend the cycle of rebirth for good and attain enlightenment in one lifetime. In this life, I will follow Guan Yin Bodhisattva to cultivate my mind and change my behaviour and never quit. I will follow my benefactor, the Compassionate father, Master Lu, to propagate Guan Yin Citta Dharma Door and never stop! Although I am over 60 years, I will continue using my own experience as an example to convince sentient beings to gain faith on Dharma and practise Buddhism. Together with my fellow practitioners, I will get up early and go home late to help set up Buddha altars for new practitioners. No matter how far and how difficult the trip is, I will always be strict with myself. I will go wherever I am needed. Even if I am eating, as soon as I receive a mission for propagating Dharma, I will put down my chopsticks and set off without delay.
Guan Yin Citta Dharma Door is peerlessly efficacious, and Guan Yin Bodhisattva is Greatly Merciful and Greatly Compassionate, saves beings from suffering, has supernatural power, and answer all prayers. As long as we have a devout heart and we persist in reciting Buddhist scriptures and practicing Buddhism, no difficulty can defeat us! My physical changes are the most powerful evidence! May my true presentation give some inspiration to those people who are still suffering from illnesses, so that they can acquire faith to practising Buddhism, and pick up the Buddhist scriptures to recite. May more sentient beings having affinity with Buddha break free from delusion and attain enlightenment, balance egoism and altruism, and free from suffering and gain happiness.
My deepest gratitude to the Greatly Merciful and Greatly Compassionate Guan Yin Bodhisattva!
My deepest gratitude to all Buddhas and Bodhisattvas from ten directions and three periods of time!
My deepest gratitude to the Dharma protectors!
My deepest gratitude to the selfless and altruistic Master Jun Hong Lu!
If there is anything that is not rational or in line with the truth in the presentation, I’d like to seek forgiveness from the Greatly Merciful and Greatly Compassionate Guan Yin Bodhisattva, all Buddhas and Bodhisattvas, Dharma protectors, and Master Jun Hong Lu.
I’d also like to seek forgiveness from my fellow Buddhist practitioners.
I, not my fellow practitioners, will be responsible for my own karma!
Shared by: Dharma Practitioner Ganen, Gratitude and Namaste!
Translated by: Frank
Statement by Translator

1. Story was translated from Chinese into English by meaning, not word by word. If there is anything that is not rational or in line with the true meaning of the Chinese version, I’d like to seek forgiveness from the Greatly Merciful and Greatly Compassionate Guan Yin Bodhisattva, all Buddhas and Bodhisattvas, Dharma protectors and Master Jun Hong Lu.
   
2. Author Ganen was interviewed by Frank during the translation for the detailed information.
   

Propagation
It would be greatly appreciated if you would forward this presentation to all sentient beings you know, sick or healthy. You will accumulate immeasurable merits and virtues. Saving a life is more meritorious than building a seven-floor pagoda!
Would you like to change your destiny?
We will show you how to do the Five Golden Buddhist Practices of Guan Yin Citta Dharma Door: (1) making vows, (2) reciting Buddhist scriptures (sutras and mantras), (3) performing life liberation, (4) reading Buddhism in Plain Terms, and (5) repenting. You will personally witness how you and your family can achieve physical and mental stability, relief from illness and grievances, wisdom growth, academic progress, career advancement, and family happiness through Dharma. It’s free of charge.
Contact
Buddhist practitioner: Lily
Email: [sunnypurplelily@gmail.com](mailto:sunnypurplelily@gmail.com)
WeChat: HanJing20210820
原文如下:
从瘫痪卧床到行走自如做家政，心灵法门创造了医学奇迹
感恩南无大慈大悲救苦救难广大灵感观世音菩萨摩诃萨！
感恩十方三世一切诸佛菩萨！
感恩龙天护法金刚菩萨！
感恩恩师慈父卢军宏台长！
感恩师兄们！
感恩大慈大悲观世音菩萨慈悲，让我能有这个宝贵的机会与大家分享我的学佛经历。我今年62岁，现在是一个能吃、能睡、能走路的正常人了。但是，你们可曾知道，曾经，我是一个连床都起不了、翻身都困难，生活完全无法自理的瘫痪老人！如今，通过学佛念经，我把自己从地狱的苦海里完全挣脱了出来。我要用铁一般的事实告诉大家：学佛念经不仅给了我第二次生命，更让我受益无穷。我要跟大家分享，在这患病的四年里，在没有经历任何手术的情况下，如何让自己从瘫痪到健康的蜕变！愿我今天的分享给有缘人种下菩提种子，让更多的人相信观世音菩萨法力无边，早日学佛念经，离苦得乐！
1. 年轻时开酒吧造恶业，得现世报！
我是家中的长女、婆家的长媳。母亲和婆婆都是学佛人，都劝我也学佛。但是，由于年轻时好胜心强，加之财运不错，36岁左右，我经营两家酒吧，享受挣钱的快乐，根本无心学佛。年轻愚痴的我经营酒吧时靠女色来赚取黑钱，赚的都是不正之财，无形中造了很多恶业。在这种灯红酒绿中生活，我为了金钱利益，让多少人丧失了自己的道德与良知？背后又造成多少个家庭的破裂？又有多少人在酒精的麻痹下做出多少违背伦理道德的事情？弟子在此向观世音菩萨深深忏悔！因果报应丝毫不爽，种恶因得恶果。开酒吧这两年中我所造下的恶业，在十几年后让我得到悲惨的现世报！所以，请大家引以为戒！
2010年我49岁，正逢“三六九”关劫。7月的一天，我的业障大爆发，在家炒菜时突然间倒下。瞬间，我感觉天塌下来，叫天天不应，叫地地不灵。一个原本健康的我从此进入人间地狱般的生活。每天，我吃喝拉撒都在床上，翻身都很困难，没法自己洗手洗脸，吞咽困难，简直生不如死。我从此瘫痪在床。医生说我是腰椎间盘突出。后背的所有骨头都错位。两个膝盖骨头坏死，肿得很大。当地市里、省里大大小小的医院我都看过了。我几乎把我做酒吧生意所赚到的几十万块钱都花光了。然而，病情越来越严重。
2. 得遇殊胜法门，坎坷学佛路中坚持不懈地修行换来重生
也许是家人一直供佛学佛的福德。承蒙观世音菩萨慈悲，在我人生绝境之时，我终于在2012年得遇心灵法门。以前我开店隔壁的人听说我病倒了，就来看我。她给我送来了经书、念佛机、《白话佛法》、计数器等很多法宝。她告诉我心灵法门很灵验，让我试试。我躺在床上虽然无法动弹，却如饥似渴地把师父的录音听了个遍。听到人们通过学佛念经把癌症、重症都治愈的案例，我惊喜万分。师父的节目录音就像黑暗中的一盏明灯，让我看到了生活的希望，给了我很大的鼓舞。在这个过程中我像被一股强大的能量加持唤醒，激起了求生的强烈欲望。我告诉自己：我一定要活过来；我一定要自己救自己！我像抓住了救命稻草似地开始拼命学佛念经。
我不识字，只能每天躺在床上跟着念佛机一字一句地学着念。由于业力牵引，身边没有遇到善知识教我如理如法地烧送小房子。愚痴的我曾拿个烟灰缸代替盘子烧送经文组合小房子，结果烟灰缸炸掉了。为了抓紧时间消业，我晚上十点后还在念《心经》和《往生咒》，结果家里的灯坏了好几次（趁此机会我诚心提醒师兄们：师父开示，晚上十点后不要念诵《心经》和《往生咒》，请师兄们一定要好好看《心灵法门入门手册》，避免操作不如理不如法）。所以，我们一定要听师父的话，师父不让做的就不做。念经消业的整个过程非常坎坷。真是造业容易，消业难啊！但是，我坚信菩萨法力无边，只要精进努力，一定会得到改变的。于是，我依靠师父录音中的法喜案例作为精神支撑。我一直坚持不懈，不怕万难，拼命念经。
由于吃喝拉撒都在床上，气场非常不好，自己又无法起身，只能躺在床上念经。我内心愧疚又纠结，不知道这样念经是否如理如法？会不会影响念经效果？感恩菩萨慈悲，当晚我就梦见师父了。师父身穿着黑西装，一边慈祥地笑着一边安慰我：不要担心。醒来后，我非常感恩师父的慈悲。师父知道我的特殊情况，这是对我的宽容和安慰啊。后来，大概念经差不多4～5个月后，我的脖子和头也能明显地转动了。这样法喜的变化，让我激动万分。我过去所经历的磨难与坚持都没有白费。观世音菩萨法力无边，让我看到了康复的一丝希望！（作者提醒：师兄们，在没有病痛的情况下，念经一定要体态恭敬，一分恭敬一分受益。）
3. 参加法会与拜师的殊胜，让我的身体不断法喜蜕变
2017年2月份，我结识了一位师兄。她邀请我一起去参加澳门法会。我心想：我能自己坐车吗？能去法会吗？凭着内心坚定的信念，路途中我一直念《大悲咒》。虽然我笨重的双腿只能勉强支撑着身体坐在座位上，但在观世音菩萨一路加持护佑下，我竟然能够如愿到了法会现场。现场听到师父开示、看到观世音菩萨的圣像，我泪如雨下。大法会当天晚上，我就梦到了观世音菩萨！感恩大慈大悲救苦救难观世音菩萨救我于苦海，给了我新的生命和生活。澳门法会结束，我当即发愿：一个月吃素15天，放生一万条鱼。参加澳门法会前，只要走两步路我就要歇一歇，而且我的身体没办法大幅度活动。
澳门法会回来后，我的双腿开始变得有力，可以支撑起身子在平地上走路了。虽然还不是很灵活，但是比起原来像软泥一样瘫痪在床的状态，已经不可同年而语了。我整个人精、气、神也越来越好。我非常惊喜！师父开示过，每场法会有很多佛菩萨来加持大家！
2017年8月，马来西亚法会前，师兄们让我拜师，但我不识字。慈悲的师兄们帮助我代笔填写拜师申请表。师兄们告诉我，这次拜师的人太多，有可能排不上队，得等到下一场法会才有机会。我告诉自己，无论这次能不能拜师，我都一定积极参加师父的法会。我这么大年纪了，能参加多一场法会都是我的福报啊。让我惊喜的是，一个星期后，我的拜师申请通过了。感恩观世音菩萨慈悲！
拜师当天，我激动万分。在拜师过程中，我听到一个非常立体、非常响亮的声音。我睁开眼睛时，我竟然看到了如来佛祖，还有好多菩萨都从天上下来了。这时，我看到师父上半身的法身呈现透明状，有一朵大大的莲花。我顿时感动得泪如雨下。直到颁发弟子证的时候，我浑然不觉师父已经走到我的身边。师父非常慈悲，给我灌顶加持。师父说:“因为拜师过程中有5个人睁开了眼睛，所以莲花没有种上去。不过没关系，等拜师仪式结束后，可以到前面去磕头求菩萨。”我就赶紧跑到前面去拜。我还没拜完，就过来了一个年轻师兄。他问我：“您感觉怎么样？有没有看到什么？” 我告诉他：“我看到如来佛祖了。” 他说：“您怎么确定那是如来佛祖呢？”我说：”我家母和家婆是学佛人，如来佛祖头发卷卷的。”
感恩观世音菩萨与师父的慈悲加持。拜师结束回家我就发愿: 终生吃全素，不杀生。真是愿力大于业力，发愿后，师父又来梦里帮我治疗双腿。有一次，我半眯着眼睛看到师父从我的房间经过。师父问我：“还有哪只脚不舒服？还有哪个地方疼痛的？” 瞬间我就醒了，醒来我发现我的双脚没有了原来的沉重感，走起路来更加轻盈了。我激动地跟老父亲分享：“师父又来加持我啦！”感恩师父慈悲关怀着每一位众生。每次梦见师父，师父都慈悲给予加持，我的身体总会有惊喜的好转。
没过多久，我不仅可以分开双脚，轮流迈开步伐独立上下楼梯。而且，我双手叉腰，可以前后自如地弯腰。后背的骨头原本因为全部错位并高低不平，如今完全恢复正常了。原本我没办法把手举起来洗脸、刷牙和梳头，因为手一抬，后背的骨头扯神经会导致剧烈的疼痛。每次打喷嚏或排泄的时候，都有种痛不欲生的感觉，就像死里逃生一样。这种地狱般的日子让我历经常人难以想象的苦痛折磨。然而现在，我的生活可以完全自理并且行动自如。有时候走太久会有一点点累，但是卧床休息十几分钟就可以恢复过来。虽然走路还有一点点高低现象，但如果不仔细看，是看不出来的。看到我学佛念经以来，从瘫痪卧床到独立行走的巨大变化，我的家人无比震惊。当年在床头边照顾我的老父亲直夸我：现在整个人完全变了，变得越来越健康了！我激动得泪眼婆娑。没有观世音菩萨与师父的大慈大悲救苦救难，真的不会有我今天的法喜蜕变！
2019年印尼法会和新加坡法会上，我恳请师兄们慈悲给我做义工的机会。按照法会规定，我已经超龄了。但是，我坚决一定要做义工。观世音菩萨给了我第二次生命，我就要身体力行地为众生服务。感恩观世音菩萨的慈悲，让我能如愿以偿。从法会做完义工回来，我发现我可以轻松自如地弯腰和下蹲，就连坐在地板上也没有问题了。感恩菩萨每次法会上都慈悲帮我消业，让我每次都能有不可思议的加持，变化。
4. 设佛台的不可思议加持，加速我身体恢复健康，创造医学奇迹
从2017年设佛台起，我每天坚持上早晚香。起初，身体还是直直的，不能弯腰鞠躬。两年里，我每天在佛台前上香求菩萨加持，让我身体能恢复得更好一些，能为众生表法。慢慢地，我从站着上香到弯腰鞠躬，到最后可以跪在佛台前念经。真是法喜充满啊！刚开始跪着后背还是很痛。随着业障的消除，我的后背也不疼痛了。有时候和师兄们出去设佛台，遇到佛诞日，我跪着念诵《礼佛大忏悔文》足足有一个半小时的时间。许多师兄都坚持不下来，唯独我坚持到结束。真是感恩菩萨慈悲加持！
曾经，省医院的医生告诉我，必须做手术把两块钢板放进骨头里，但我回绝了。因为我坚信有观世音菩萨和师父两座靠山，我什么都不怕。在因果面前，佛是大药王。唯有诚心忏悔，学佛修行才能彻底康复。我完全靠学佛念经吃素、设佛台、参加法会做义工，积极弘法度人，才创造了医学奇迹：现在和正常人一样行动自如。我甚至去工地做小工，搞卫生、做家政弥补家用！那些曾经轻微瘫痪的患者就算做手术，也没有我恢复得快，恢复到如此好的状态。
读者朋友们，你们看到我如此天翻地覆的变化，还犹豫什么呢？赶快捧起经书念经吧！我就是活生生的例子，铁一般的证据。观世音菩萨真实存在，并且大慈大悲有求必应啊！
现在回想起年轻时开酒吧所造下的恶业，真是罪孽深重。不正之财赚到了，可是，因果报应丝毫不爽，不是不报，时候未到。在我人到老年时，所有的报应一涌而来。不但钱财全部用尽，还要遭受肉体病痛的瘫痪之苦，因果不空啊！奉劝大家一定要谨记师父的教诲：诸恶莫作，众善奉行！不以善小而不为；不以恶小而为之！挣任何钱财之前都要三思，切记不可为了金钱利益而像我一样造下如此深重的罪孽，否则果报如影随形！
没有观世音菩萨和师父的慈悲救度与加持，就没有我今天的重生！弟子许愿尊师重道、一生清修、终生吃全素、不杀生、不吃鸡蛋、不抽烟、不喝酒；一世修成，永断轮回。今生跟着观世音菩萨修心修行，永不退转。跟着恩师慈父卢军宏台长弘扬心灵法门永不停息！我虽然60多岁了，但是我要身体力行地为大家表法，起早贪黑地和共修组师兄们一起去助缘设佛台。无论路程多么遥远，多么艰辛，我都严格要求自己。哪里需要我，我就走到哪里。哪怕我在吃饭，只要接到弘法任务，我一定当即放下筷子，一刻也不能耽误地出发。
心灵法门灵验无比，观世音菩萨大慈大悲，救苦救难，法力无边，有求必应。只要我们有一颗虔诚的心，只要我们坚持念经修行，没有什么困难可以打倒我们！我的身体变化就是最有力的证据！愿我的真实分享给那些还在受着病痛折磨的人们一些启发，让大家生起学佛念经的信念，捧起经书念经，愿更多的有缘众生能够早日破迷开悟，自利利他，离苦得乐！
我的分享结束了，分享中如有不如理不如法的地方，请观世音菩萨慈悲原谅！请十方三世一切诸佛菩萨和龙天护法菩萨慈悲原谅！请师父慈悲原谅！请师兄们批评指正！我自己的业障自己背，不让师兄们背！感恩合十！
分享人：感恩～全素
2022-02-28
请将本文慈悲转发给瘫痪病人及其家属
请转发这篇文章给瘫痪病人及其家属，您会积累无量功德。救人一命，胜造七级浮屠！！！
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Hey there! I am a 30 year old guy from Upstate New York looking for someone that wants to make an emotional connection, and would like to put efforts into conversations.
A bit about me: I'm 6’1". I get height can be a big deal for some women so I think it's best to just put it out there first 😅 I've got black hair, brownish black eyes. Average body, I'm muscular and wanting to start exercising both for health and a little bit for better shape. I like to think I'm fairly attractive but then most of us grew up with a relative always telling us we were not handsome or cute, etc. we can share pictures once we establish some comfort zone. If education is important, I am a college graduate with post-graduation degree as well. Now working as an engineer.
I have to lead with the fact that I can be pretty sarcastic at times. I also joke and (playfully) tease. I'm pretty easy going/chill and I like to keep things light and fun, but also enjoy getting into the really deep conversations as well. I'm a sucker for the whole good morning and goodnight text thing as well as checking in on those busier days. That doesn’t mean we have to just message good morning and good night for the whole week. Haha. I think most important part of knowing someone via online platform is initial conversations and if you don’t have enough time let me know otherwise that conversation is dead in no time.
I love animals. I've always felt very connected and attached to them and just enjoy interacting with them. While I am more of a dog person pet-wise, cats are still pretty cool in my book. Cats are more complex though I love the mysterious nature.
Anything outdoors is great in my opinion. Just feel like going for a walk? Let's do it. I do kayaking a bit in the summers, fish, hike, go for drives. I have the habit of occasionally stopping and taking pictures of plants and flowers I see around (I'm always down to share!). While sending me message write code - “I3U” so that I know it’s someone who actually read my post. Didn’t write in the end cuz some people might just skip to end. This doesn’t mean that you just send me the code. I am strictly gonna monitor now. I have skimmed through soo many texts and my innocent heart always gives chances, I am gonna try to be little strict this time.
It's not just the outdoors I love. I can also get down with chill days at home binging something on Netflix or playing something on my PC. Let's face it, I'm a bit if a nerd (everyone has something nerd about themselves) and if you like Jurassic park, board games, Any Mafia movies, gaming, etc we will get along great. I'm a sucker for horror movies as well and am always looking for recommendations. I listen to a lot of music. I shouldn’t brag but I listen to english ,german, Spanish, french and Hindi songs. Born and brought up in India. Hence, hindi songs.
A bit about (possibly) you: I'd prefer if you were in some sort of professional environment and ambitious. I'm not extremely picky about things like hair and eye color. Height is also not a big deal. If you're alot smaller than me and worried that it's something you’ll be insecure about, it's not. The big thing for me is personality. I think personality can make us a lot more or a lot less attractive. I want someone that is genuinely kind and sweet, someone that likes to laugh, someone that's not afraid to be goofy.
A final note: I'm a single guy and looking for someone dynamic. Sometimes I can respond immediately and sometimes it takes a minute due to the obvious circumstances. I also don't expect you to respond immediately to every message, I get that we all have lives and can be busy at times. It would be awesome if you are up for a voice chat. And please please when responding write something about yourself.
If any if this sounds remotely interesting to you, feel free to reach out via reddit dm or chat!