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Thought this could be a fun thread idea
I'll kick things off with the #1 result for this query: Where to meet women in Madrid
Any kind of meet women/singles query is generally pretty coveted, should be a good post up there right?
The current top result is by a website kormendfm . hu
Odd to see a Hungarian site for Madrid, but hey, Google always lets the cream rise to the top, post title is: Greatest Spots To Meet Up With Girls In Madrid & Dating Guide
Here is an excerpt from the intro for those that are too lazy to recreate this search themselves:
'If you are searching for the very best places in order to meet ladies in Madrid and an internet dating tips guide after that there is you covered. All of our aim should inform you concerning online dating culture here and mention the best areas around community to try to choose single females.
This isn’t generally a straightforward urban area to hook-up with lots of ladies in your area, but we-all may have different encounters. In the past area we’re going to provide ideas for visitors or brand-new expats to Spain who happen to be reading this that will hopefully improve your possibilities.'
I left the spacing errors in only to be fair to all involved
Here is the first header and a sentence before the first list:

Nightclubs & Get Bars

Some of the best collect taverns and nightclubs in order to meet single girls in Madrid tend to be:
Not exactly sure what 'Get Bars' or 'collect taverns' are but.....
That is your number 1 result.... very quality info as you can see
FWIW the #2 result is a TripAdvisor forum post from 2016, but the forum post is a single woman asking about traveling in Madrid.... has absolutely zero to do with the query at hand
All I read on here when anyone complains about the current SERPS is 'good riddance to all those affiliate sites that were all spammy' or 'some sites go up some sites go down thats how algo updates work but Google gets it right'
This is the reality of Google's new internet, and it will only get worse from here as no one is incentivized to 'create quality content' in the current situation
There are tens of thousands if not hundreds of thousands if not millions of examples of Google ranking complete trash right now... if this annoys you as much as it does me feel free to post your own

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I (37/M) am looking at switching career path from physician (10+ years clinical experience) into Healthcare advisoconsultant type roles. I have searched various subs and other online options, dwelled into some too-good-to-be-true university programmes in EU (my area of interest is EU/UK).
So now I have come here to ask for some advice and insight into MBA programmes focusing on healthcare management/economics and advantage of MBA over Masters in Healthcare Management.
I have gone through the usual suspects, like OxBridge, INSEAD, LBS, UCL, for MBA with Healthcare focus and SDA Bocconi, Erasmus, Imperial, Kent, Oslo for the MSc HCM. These are also programme which have either Internship/placement/consulting projects.
I have gone through a few posts in this sub and none of them are geared towards EU/UK universities, Hence, the post.
my question is:

1. For Medical Adviso Healthcare consultant roles (Corporate future), Is MBA better or MSc HCM?
2. Are there any MBA programmes with Healthcare focus in EU/UK that has Internship/Placements/Consulting projects?
3. Any unique MSc HCM programmes that offer internship or placement apart from the above mentioned?

I Really do appreciate any reply. Thank you.
(P.S - Yes. I have googled this extensively and I am getting the same advertised/promoted content on most of the websites or irrelevant options.)

Record temperatures, record migration, record emissions, record displacement, record PFAS……start building an ark.
Last Week in Collapse: May 12-18, 2024
This is Last Week in Collapse, a weekly newsletter compiling some of the most important, timely, useful, soul-crushing, ironic, stunning, exhausting, or otherwise must-see/can’t-look-away moments in Collapse.
This is the 125th newsletter! You can find the May 5-11 edition here if you missed it last week. You can also receive these posts (with images) every Sunday in your email inbox with Substack.
——————————
Flash flooding in northern Afghanistan killed 300+ people and destroyed 1,000+ homes. Hundreds of thousands of others have been affected. Last month, similar floods in the region killed 70+. Four died in Texas storms last week as well.
Venezuela is suffering from record wildfires, which so far this year have burned about 5M acres—almost the size of Sardinia. Some experts think indigenous people started the blaze as an attempt at forest clearance, which quickly got out of hand. “Institutional failures” compounded the disaster when the ailing government responded with an inadequate number of poorly equipped firefighters. Another study from last week examined the impact of wildfires on soil health.
Flooding and “cold lava” killed 50+ in Indonesia, injuring dozens and displacing several thousand. Cold lava is a mixture of water and rocks tumbling down the side of a volcano. Meanwhile, an actual volcano erupted in Indonesia, sending smoke & ash 5000m high; further eruptions are possible soon.
The Swiss Re Institute published a 37-page report last week about natural disasters in 2023—and how much damage, in USD, they caused. The largest catastrophe was the February 7.8 earthquake in Türkiye & Syria, which killed 59,000+ people and caused $163B+ in damage. The report is full of interesting graphics & data about natural disasters.

“Last year, economic losses from natural catastrophes reached USD 280 billion, meaning that 62% of the global losses were uninsured….the insured losses surpassed USD 100 billion for the fourth consecutive year….annual insured losses will grow by 5–7% over the long term…today’s insured losses could double in 10 years….There were 142 insured-loss inducing catastrophes in 2023, a new record. Most were of medium severity, which we define as events resulting in losses of USD 1–5 billion….Over the last 30 years, we estimate that natural catastrophe insured losses have grown by 3 percentage points more annually than the global economy (in inflation adjusted terms)...”

Flooding and heat waves are impacting Brazil’s oranges, responsible for about 70% of the world’s supply. One food analysts declared that the “era of cheap food is over”—in the UK, at least. That may be one reason why UK residents took record food bank packages last year. Madagascar is struggling to adapt to a future with far less rainfall.
France is growing more concerned about a dam on Lake Geneva, controlled exclusively by Switzerland. The Rhône River, which begins in Switzerland and flows south through France, is shrinking in summers as climate change melts Switzerland’s remaining glaciers.
The Tonlé San River has been dammed in Vietnam, lowering the level in Cambodia and sometimes drying the river downstream entirely. Meanwhile, China’s lychee harvest is getting blasted by rain, impacting the world’s largest source of lychee. And, once again, Saudi Arabia is suffering flooding in its inland regions. 7 dead in historic flooding in Iran.
The eminent climate scientist James Hansen posted that, since “human-made aerosols and their cooling effect are in decline,” the cooling effect of La Niña will be counterbalanced by these rising temperatures. He also identifies a “large anomaly of increased absorbed solar radiation at midlatitudes in the Northern Hemisphere” responsible for rising temperatures there. CO2 levels are rising faster today than they have at any point in the previous 50,000 years…and a study of millennia-old trees determined last summer was the hottest worldwide in 2,000+ years…
Record nighttime May temperatures were tied in the Philippines and Vietnam. A couple Indonesian cities broke records for May temperatures. And a number of southern African states saw more records drop. And Toronto saw a record tied for the number of days reaching 14 °C (57 °F). A heat wave has returned to Bangladesh. Flooding in Cali (pop: 2.9M), Colombia.
The University of Washington was ordered to stop a geoengineering project that scientists sere conducting from the deck of a decommissioned aircraft carrier. The experiment ejected aerosolized saltwater in an attempt to reflect solar radiation. A comparative study in Nature Communications of a number of carbon pricing found that, yes, carbon pricing does work to reduce the total CO2 emitted.
It’s that time of the year again. Wildfires in Canada grow, some of which are moving towards the tar sands—forcing thousands to evacuate. 39 of the total nation’s blazes are “out of control,” resulting in air quality alerts in the United States. Meanwhile, across the Caribbean, water shortages have become the new normal, and residents (and tourists) are finding their old consumption habits hard to change. St. Lucia has declared a water emergency. In Myanmar, water shortages worsen, particularly as related to the spiraling conflict.
At least ⅛ of Europeans live in a place at risk of extreme flooding—so says a 175-page report from the European Environment Agency posted on Wednesday. The number of people living in flood-risk coastal areas in the EU & UK is expected to jump 24% by 2050. The graphics-packed report also considers how flooding will impact healthcare facilities, mental health, wastewater treatment plants, the spread of disease, cyanobacteria, permafrost thaw, and much else.

“Europe has seen devastating floods following record rainfall, droughts of magnitudes not experienced in hundreds of years, continuing sea level rise, and increasing lake and sea temperatures….permanent water stress already affects 30% of people in southern Europe….since 2018, more than half of Europe has been impacted by extreme drought conditions….Climate change is expected to increase mercury bioaccumulation in the marine food chain due to rising ocean temperatures, ocean acidification and permafrost thawing….Depression, anxiety and PTSD may persist for years after a flooding event….Under the changing climate, northern Europe is becoming wetter in general, but drier in summer. Southern Europe is becoming drier, especially in winter. For central-eastern and western Europe, the trend is less clear…” -selections from the report

Milan suffered flooding last week, the worst May flooding in 170 years. Early spring in the UK has disrupted migratory bird species and their usual patterns.
A 74-page working paper which is not yet peer-reviewed claims that earlier estimates for how much GDP would be impacted by another 1 °C temperature rise is way less than it would be in actuality. The paper claims the real cost (in USD) is about 6x greater. They claim “global temperature has much more pronounced impacts on economic activity than local temperature” and that extreme weather is mostly behind the projected decline in productivity.
——————————
Epidemiologists are worried about how climate change in Africa may extend the life of disease-bearers like ticks and mosquitoes. Other epidemiologists are worried about how cattle may become a permanent reservoir for H5N1. Growing traced of bird flu have been found in wastewater testing in the U.S., but investigators think it may be runoff from infected dairy farms.
Obesity, high blood sugar, and high blood pressure rates today globally are 50% higher than in 2000—though researchers claim that air pollution still poses a larger threat. Of a study participants in Hawai’i, 75% had respiratory issues, probably from the Maui wildfires last year.
The 2024 World Migration Report is out, and its 384 pages are not as apocalyptic as one might think. However, internally displaced people are at their all-time highest. India, Mexico, Russia, China, and Syria lead the world in emigrants; another document contains the definitions for who exactly constitutes a migrant. Unfortunately much of the data relied upon ends in 2022. Data from this year, not included in the above report, indicates a 40% jump in traffic through the Darien Gap compared to the same time period in 2023.

“The last two years saw major migration and displacement events that have caused great hardship and trauma, as well as loss of life….There have also been large-scale displacements triggered by climate- and weather-related disasters in many parts of the world in 2022 and 2023, including in Pakistan, the Philippines, China, India, Bangladesh, Brazil and Colombia….disinformation tactics are increasingly being used by nefarious actors with negative impacts on public, political and social media discourse on migration….Forced displacement is the highest on record in the modern era…overconsumption and overproduction linked to unsustainable economic growth, resource depletion and biodiversity collapse, as well as ongoing climate change (including global heating) are continuing to grip the world….the risk of further conflict has not been higher in decades, as military spending reached a new record high of USD 2,240 billion in 2022…” -excerpts from the introduction

Another report, focusing on internal displacement, came out last week; its 69 pages show a cross-section of about 47M people displaced by natural disasters (56%) or armed conflict (44%). Most of the disasters were storms & flooding, and most of the conflicts were civil wars of some form. This report also provides detailed region-by-region analyses—with sub-Saharan Africa accounting for 46% of global IDPs.

“Conflict and violence triggered 13.5 million movements, the highest figure for the past 15 years….Disasters and conflict are presented as different triggers, but their impacts can overlap, often leading to repeated and/ or protracted displacement….Drought triggered 331,000 displacements in Somalia….Floods triggered 550,000 displacements in Ethiopia….Conflict and violence triggered 3.8 million displacements in DRC in 2023, a slight fall from the record four million in 2022, but still the second-highest figure globally after Sudan….nearly two-thirds of the internal displacements recorded in 2023 originated from Khartoum state. More than 39 per cent of the state's inhabitants were forced to flee, leaving entire neighbourhoods empty….Criminal and communal violence triggered nearly three-quarters of Nigeria's 291,000 conflict displacements….” -selections from the spotlight on sub-Saharan Africa

Experts are concerned about the mental health impacts that climate change has on our minds. Hotter temperatures reportedly increase depression & aggression. Wildfires and storms can cause PTSD. Workers feel stress and desperation as their usual industries are impacted. And air pollution influences ordinary brain processes in many ways.
Some analysts believe “Peak China” may be over, signaling a period of economic tapering-off, as well as a growing militancy. Increasing U.S. tariffs on Chinese goods are continuing to separate the two economies. The Netherlands finally formed a provisional government, though its proposed immigration & farming policies have set it at odds with the EU.
The Federal Reserve, the U.S. central bank, released a 46-page report on potential climate risks to the banking system’s resilience. As far as I understood, most of the risk lies in extreme weather events and the risk to insurance agencies.
Part of southeast England experienced an outbreak of Cryptosporidium, a diarrhea & vomiting illness, highly contagious, which can last weeks. At least 22 cases have been reported. Meanwhile, the CDC is issuing warnings about the more dangerous strain of monkeypox circulating in the DRC, although cases are currently limited to Africa.
North Carolina’s Senate voted to ban mask-wearing last week, under the reasoning that it would make police identification of protestors difficult. An fMRI study found lasting neurological changes in COVID survivors; they “had significantly higher cognitive complaints of mental fatigue and cognitive failure….even two years after recovering.” Experts say a summer rise in COVID cases is coming to the United States.
A study on The Canadian/American Great Lakes found that PFAS levels are increasing in the 3 largest lakes (Superior, Huron, and Michigan), while decreasing in the other two (Erie, Ontario). The study also found that precipitation is the primary means by which the Lakes are accumulating PFAS, since the chemicals are small & stable enough to move through the water cycle. Meanwhile, in England’s Lake District, a telecom failure resulted in raw sewage being pumped into England’s largest and most famous lake, Windermere, on-and-off for 10 hours; and a major British water CEO took a $4M USD pay package last year. And a look into the Chicago River’s health found that microplastics & trash are endangering health & biodiversity.
——————————
An assassination attempt by a lone wolf on Slovakia’s PM left him in critical condition, but likely to survive. 11 civilians were slain by cartel fighters in a few battles in Mexico. Violence continues to spiral out of control in Goma, DRC.
In Haiti, everything worsens indefinitely. Guns have reportedly entered from Florida, a phenomenon which officials call an “iron river.” Police have been put on the defensive against the growing might of the gang warlords.
A brawl broke out in Taiwan’s parliament. An Iranian plot was allegedly foiled to smuggle weapons into Jordan to destabilize the pro-U.S. regime.
Dozens more died in Sudan from escalating violence around Darfur. People are warning about “a disaster on top of a disaster” and the possibility of Sudan splitting apart. Others have called it “hell on earth” as 1,000+ refugees cross the Chad border every day. Disease and malnutrition are growing, while famine encroaches upon 9M helpless victims of the conflict—but the world’s attention is elsewhere.
The U.S. Army Engineers completed constructing the pier in Gaza to deliver humanitarian aid. Some 600,000 Gazans have been displaced from Rafah already, and fighting has escalated against Hamas militants in northern Gaza.
Taliban forces skirmished with Pakistani soldiers for about 90 minutes last week. Taliban attacks in Pakistan, and counterattacks have resulted in a kind of ambient disruption for the rocky border zone.
Violent protests—and counteroperations—are continuing in New Caledonia (pop: 270,000), a Pacific island part of overseas France. The riots, which have killed 6 people so far, began after metropolitan France proposed a plan to expand voting rights beyond indigenous residents. A state of emergency has been declared amid worries about a spiral of violence taking hold.
As the Sahel dries out, experts are concerned about the links to rising terrorism in the region. The Sahel accounts for over 40% of global terrorism deaths—according to the analysts’ understanding of “terrorism.” Mali in particular has reportedly become home to 41 new, different non-state armed groups (NSAGs) since 2007. A contested election in Chad resulted in the consolidation of the interim leader’s power.

“If governments are continually unable to solve regional issues, the people will be at the whim of any terror group that has a basic organization. It serves these groups’ interests to promote insecurity where they can and create security where they want. A “hearts and minds” campaign in the Sahel could lead to long-term and locally supported insurgencies in a land that is currently rife with civil strife.” -from the article

Some wargamers concluded that a Trump victory in 2020 would spell the end of NATO, or at least the end of its utility. Vladimir Putin replaced his minister of defense with a top economic advisor, just before going to Beijing to reaffirm their friendship with “no limits.” Some say Putin is planning on a forever war. Some say NATO is gearing up for one, too.
Russia made several gains in the suburbs of Kharkiv, seizing several settlements which some analysts doubt they will hold. Putin claims they aren’t really trying to take Kharkiv anyway… Russia also made small progress in the Donbas—although they suffered their largest one-day casualties since the start of the war. The U.S. allocated another $2B to hasten the delivery of weapons to the front lines. The next weeks will be crucial on the front. Switzerland has invited 160+ nations to send delegates to a peace summit intended to design a path to making peace in this War.
——————————
Select comments/threads from the subreddit last week suggest:
-Brazil’s flooding was really, really bad, judging from this post and its accompanying images. Across just one of Brazil’s 26 states, 600,000+ people have been made homeless, 100+ have died, and the storm season isn’t over yet. Some of the flooding isn’t expected to subside for another month.
-How specifically might climate change make humanity extinct? This thread crowdsources a number of plausible ways, from ordinary famines to nuclear war and even a massive deoxygenation process. I tend to think it will be a consequence of an eventual nuclear exchange, followed by extended famine and disease.
Got any feedback, questions, comments, complaints, upvotes, doom prophets to follow, hugelkultur guides, directions to off-grid bunkers, ark schematics, etc.? Check out the Last Week in Collapse SubStack if you don’t want to check collapse every Sunday, you can receive this newsletter sent to your (or someone else’s) email inbox every weekend. What did I forget this week?

Study.com Courses for Transfer Credit Earners at Excelsior University

Transfer Intro

Study.com offers transfer courses with an element of self-pacing, by which the student can mediate the rate of course completion by finishing course competencies.
More than 200 Study.com courses have been recommended for transfer by the American Council on Education and/or the National Credit Recommendation Service.
Self-paced, competency-based courses give students learning options that may be suited to their own preferences, enabling a student to adjust the amount of time spent on a particular subject as necessary.

Excelsior University Page

The Study.com - Excelsior University page provides information on how to save on tuition with Study.com and Excelsior.
In the Tuition and Transfer Credit Information section on that page, the Transfer Guides subsection can be expanded to display pdf guides which show how credits could transfer into an Excelsior University degree program. As the expansion indicates,

Actual transferability of credits is dependent upon current Excelsior University degree requirements and policies based on the date a student is admitted. All students will be reviewed individually to evaluate the transferability of their credits into an Excelsior University degree program.

The Tables in This Post

The tables appearing in this post are provided in a format that can be copied and pasted into common spreadsheet applications.
The tables note Study.com transfer possibilities indicated in the pdf guides, alongside an SDCSave.com referral link I provided which links to a relevant Study.com transfer course.
As an affiliate of Study.com, I may receive compensation after a user follows a referral link in this post and makes a purchase at Study.com.

Selected Transfer Courses for the Bachelor of Professional Studies in Business and Management Program at Excelsior University

• Linked pdf Revision: August 2022
  
• https://www.excelsior.edu/wp-content/uploads/2018/01/Study.com-BPS-in-Business-Management-03_2023.pdf
  

Study.com Transfer Course Name	Referral Link to Study.com Transfer Course
Accounting 102: Introduction to Managerial Accounting	Accounting 102: Introduction to Managerial Accounting
Business 108: Business Ethics	Business 108: Business Ethics
Business 212: Business Statistics	Business 212: Business Statistics
Business 101: Principles of Management	Business 101: Principles of Management
Business 104: Information Systems and Computer Applications	Business 104: Information Systems and Computer Applications
Business 106: Human Resource Management	Business 106: Human Resource Management
Business 102: Principles of Marketing	Business 102: Principles of Marketing
Business 302: Foundations of Leadership	Business 302: Foundations of Leadership
Business 307: Leadership & Organizational Behavior	Business 307: Leadership & Organizational Behavior
Business 308: Globalization & International Management	Business 308: Globalization & International Management
Communications 101: Public Speaking	Communications 101: Public Speaking
Finance 101: Principles of Finance	Finance 101: Principles of Finance
Math 101: College Algebra	Math 101: College Algebra

Selected Transfer Courses for the Bachelor of Science in Business Program at Excelsior University

• Linked pdf Revision: August 2022
  
• https://www.excelsior.edu/wp-content/uploads/2018/01/Study.com-BS-in-Business-08_2022.pdf
  

Study.com Transfer Course Name	Referral Link to Study.com Transfer Course
Accounting 101: Financial Accounting	Accounting 101: Financial Accounting
Accounting 102: Introduction to Managerial Accounting	Accounting 102: Introduction to Managerial Accounting
Business 101: Principles of Management	Business 101: Principles of Management
Business 102: Principles of Marketing	Business 102: Principles of Marketing
Business 103: Introductory Business Law	Business 103: Introductory Business Law
Business 104: Information Systems and Computer Applications	Business 104: Information Systems and Computer Applications
Business 108: Business Ethics	Business 108: Business Ethics
Business 113: Business Communication	Business 113: Business Communication
Business 212: Business Statistics	Business 212: Business Statistics
Business 307: Leadership & Organizational Behavior	Business 307: Leadership & Organizational Behavior
Business 308: Globalization & International Management	Business 308: Globalization & International Management
Economics 101: Principles of Economics	Economics 101: Principles of Economics
Economics 102: Macroeconomics	Economics 102: Macroeconomics
Finance 101: Principles of Finance	Finance 101: Principles of Finance
Math 101: College Algebra	Math 101: College Algebra

Selected Transfer Courses for the Bachelor of Science in Liberal Arts Program at Excelsior University

• Linked pdf Revision: August 2022
  
• https://www.excelsior.edu/wp-content/uploads/2018/01/Study.com-Excelsior-BS-in-Liberal-Arts-08_2022-1.pdf
  

Study.com Transfer Course Name	Referral Link to Study.com Transfer Course
Philosophy 103: Ethics - Theory & Practice or Business 310: Advanced Business Ethics	Philosophy 103: Ethics - Theory & Practice or Business 310: Advanced Business Ethics

Selected Transfer Courses for the Bachelor of Science in Psychology Program at Excelsior University

• Linked pdf Revision: March 2022
  
• https://www.excelsior.edu/wp-content/uploads/2018/01/Study.com-BS-Psychology-Guide-March_2022-2.pdf
  

Study.com Transfer Course Name	Referral Link to Study.com Transfer Course
Philosophy 103: Ethics - Theory & Practice	Philosophy 103: Ethics - Theory & Practice
Psychology 101: Intro to Psychology	Psychology 101: Intro to Psychology
Psychology 105: Research Methods in Psychology	Psychology 105: Research Methods in Psychology
Psychology 107: Life Span Developmental Psychology	Psychology 107: Life Span Developmental Psychology
Psychology 301: Industrial/Organizational Psychology	Psychology 301: Industrial/Organizational Psychology
Psychology 310: Psychology of Personality	Psychology 310: Psychology of Personality
Psychology 312: History and Systems of Psychology	Psychology 312: History and Systems of Psychology

Selected Transfer Courses for the Criminal Justice program at Excelsior University

• Linked pdf Revision: May 2021
  
• https://www.excelsior.edu/wp-content/uploads/2018/01/Study.com-BS-Criminal-Justice-Guide-05_2021.pdf
  

Study.com Transfer Course Name	Referral Link to Study.com Transfer Course
Criminal Justice 101: Intro to Criminal Justice	Criminal Justice 101: Intro to Criminal Justice
Criminal Justice 104: Introduction to Criminology	Criminal Justice 104: Introduction to Criminology
Criminal Justice 106: Forensic Science or Criminal Justice 107: Criminal Law	Criminal Justice 106: Forensic Science or Criminal Justice 107: Criminal Law
Criminal Justice 305: The Juvenile Justice System	Criminal Justice 305: The Juvenile Justice System
Criminal Justice 306: Research Methods in Criminal Justice	Criminal Justice 306: Research Methods in Criminal Justice

Selected Transfer Courses for the Bachelor of Science in Information Technology program at Excelsior University

• Linked pdf Revision: May 2021
  
• https://www.excelsior.edu/wp-content/uploads/2018/01/Study.com-BS-Information-Technology-Guide-05_2021.pdf
  

Study.com Transfer Course Name	Referral Link to Study.com Transfer Course
Business 212: Business Statistics	Business 212: Business Statistics
Communications 102: Interpersonal Communication	Communications 102: Interpersonal Communication
Math 101: College Algebra	Math 101: College Algebra
Math 108: Discrete Mathematics	Math 108: Discrete Mathematics
Philosophy 103: Ethics - Theory & Practice or Business 310: Advanced Business Ethics	Philosophy 103: Ethics - Theory & Practice or Business 310: Advanced Business Ethics

Study.com's Page for Excelsior University Transfers

The courses indicated in the tables provided aren't comprehensive, and more course transfer options can be found at Study.com by following my referral link, Excelsior University Transfer Study.com.

Transfer Outro

You can use the tables provided above, the linked pdf guides, and Study.com's page for Excelsior University transfers as a starting point for outlining transfer course possibilities.
As there may be differences between the provided information and Excelsior University's eventual transfer evaluation, it can be helpful to ask an Excelsior University advisor about how a transfer course may fit with your own program.
It may also be useful to note any fees associated with the Post-Admission Credit Evaluation Service at Excelsior University.
Currently, one can save 25% off the first month price of a new, monthly Study.com College Saver membership.
You can try out College Saver by visiting my referral link, College Credit Study.com, to start earning transfer credit at Study.com.

Character Creation:

PC
Reddit Account: AnotherBabyEchidna
Discord Tag: thebrundun
Name and House: Willem Ryger
Age: 45
Cultural Group: RiverlandeValemen
Appearance: Willem Ryger always seems to have a coy smile about him, accentuated by his strong jawline and sharp cheekbones. His curly light brown hair has begun to thin, though his pronounced brows remain strong. Standing around six feet tall, his posture always exudes confidence, and his near-yellow brown eyes always seem to be hiding a secret or a joke.
Trait: Mastermind
Skill(s): Assassin (e), Covert (e), Devious
Talent(s): Philosophising, Carousing, Gambling
Negative Trait(s): n/a
Starting Title(s): Lord of Willow Wood, Ser
Starting Location: King’s Landing
Alternate Characters: n/a

Bio-Timeline:

• 20 BC: Willem is born into the cursed bloodline of House Ryger to Willow and Ryman Ryger. House Ryger has long kept their curse a secret to the outside world. As the story goes, at the birth of every Ryger there is a new weeping willow sprouted in their willow forests and the health of the weeping willow is said to be directly tied to the health of the Ryger.
• 18 BC: Willem’s brother, Marq, is born.
• 10 BC: Willem is sent to ward under Vance of Wayfarer’s Rest at the behest of his grandfather Lord Leo Ryger who detests the idea of his disappointment of a son raising the eventual heir of Willow Wood.
• 8 BC: Willem makes quick friends with Beck Bracken, also warding at Wayfarer’s rest, though he takes a special liking to his sister, Perra, and a childhood crush forms.
• 2 BC: Willem is knighted but the event is overshadowed by the capitulation of the Vances to Aegon the Conqueror. He returns home to Willow Wood where his grandfather informs him of the family curse and in order to avoid the curse he is sent to The Eyrie to join their court, quickly earning their trust and his outsider perspective and connections are used in the capacity of Master of the Thresholds. Also during this time his first son, a bastard named Rickard, is revealed to him. Despite the child being of common birth and mute, Willem takes him in to raise him as his own, though much of the raising is done by his servants.
• 1 BC: Funnily enough, similar to how Willem was present when King Aegon landed at Wayfarer’s Rest, Queen Visenya lands at The Eyrie, and Willem is one of the few advisors to Sharra to counsel bending the knee.
• 1 AC: Willem Ryger weds Lynese Hightower, though his true love is still Perra Bracken yet he spares her his family curse by not wedding her. Later in the year his first trueborn daughter is born and named Roslyn. Additionally, his nephew, Robyn, is born, and the pair of Robyn and Roslyn are inseparable.
• 2 AC: Willem and Lynese have another child and name her Mya.
• 5 AC: Willem and Lynese have their last child together, naming their son Myles, though the curse claims Lynese’s life shortly after his birth. After her death, his life of debauchery begins and he begins his yearly parties for the elite of Westeros. Another nephew, Addam, is also born, though Willem does not celebrate the addition to their family with his brother.
• 7 AC: Willem involves himself in the Tully plot against King Aegon, though his ties to the Vale arouse suspicion and he is barred from much of the decision making. Due to this untrust, he informs Lord Blackwood of the plot who takes on much of the burden of revealing the plot to Queen Visenya. Due to Willem’s close ties to the Vale and his lord grandfather’s acceptance, House Ryger swears fealty to House Arryn directly. During this time, the stress pushes Willem into the arms of his childhood crush, Perra Bracken, despite his continued refusal to wed her. Unbeknownst to him a child is spawned from this affair.
• 8 AC: Willem becomes a personal confidant and source of comfort to the grieving Queen Rhaenys. The intimacy of their relationship is kept a closely guarded secret, especially their bedding which results in another child unbeknownst to him. His duties to the Vale require a large distance to be maintained between them, forbidding any true relationship from developing.
• 10 AC: Willem is present for Sharra Arryn’s death yet at the same time his own father, Ryman Ryger, dies. Rather than return home, Willem persists in The Eyrie during the trying time for House Arryn. As Ronnel Arryn comes of age, Willem is retained as Master of the Thresholds.
• 11 AC: Willem’s grandfather, Lord Leo Ryger, dies soon after, as if he only lived out of spite to not see Ryman inherit Willow Wood. His death occurs after a visit to The Eyrie, the second time of visiting with the first being the oath to House Arryn, where Leo further informs Willem of their curse. Were a Ryger to stand quiet enough in the weeping willing forests of their home, he could hear their ancestors. Lastly, it is revealed that despite Leo’s attempts to shield Willem from the curse, a rot has set into Willem’s willow. Due to this, Willem accepts the counsel that his brother Marq take on much of the responsibility of ruling Willow Wood.
• 12 AC: Willem’s eldest daughter, Roslyn, is informed of everything that his grandfather has informed him of. He decides to keep Roslyn close and begin to teach her much of his subterfuge and sets her up to inherit many of his connections should he pass.
• 13 AC: Willem’s daughter, Mya, is sent to ‘squire’ for the Cavaliers upon their creation.
• 15 AC: Willem’s son, Myles, is sent to squire for the legendary knight Lord Corbray, though the boy is difficult to train mostly due to his protest of being sent away from his family.
• 18 AC: Willem’s bastard son, Rickard, is finally knighted and immediately following his ceremony he takes off to find where his commoner mother was sent off to. Unfortunately, the Riverwar breaks out during his travels and he finds himself on either side of the war depending on which side of the battle he happens to need to be on to continue his search for his mother.
• 19 AC: Willem is present for the wedding of Queen Visenya and Lord Lyn Egen and does his best to aid in the planning of the festivities.
• 20 AC: Willem’s brother, Marq, declares himself Regent of Willow Wood. While having been the de facto regent, the declaration comes under contention from Willem. To resolve the dispute, Roslyn is made Steward of Willow Wood and acts as eyes and ears for Willem. Her loyalties are in contention, unbeknownst to Willem, as Roslyn and her cousin Robyn further their relationship into intimacy.
• 22 AC: Willem’s bastard son, Rickard, returns from his travels. Being mute, his ability to convey his travels is limited, but the corpse he returns with bears the resemblance of the woman Willem bedded long ago. They put her body to rest in the weeping willow forests and Rickard forever swears his service to his father.
• 23 AC: Willem’s trueborn son, Myles, returns to Willem now a knight. He is given the truth of the family curse and his mental state further spirals, with his long protest of being sent away now given a proper justification. Willem brings the entire family to the forests to find each of their weeping willows, where Myles finds the rot of his father to have spread to his tree nonetheless. He vows to make his death worthwhile, though Willem cautions that despite his own tree having rot, he has yet to perish.
• 25 AC: Willem leads the entirety of House Ryger to the festivities in King’s Landing.

Family Tree:

https://www.familyecho.com/?p=START&c=3f566chlk4whp1yg&f=600232199387350859

Supporting Characters:

AC
Name and House: Roslyn Ryger
Age: 24
Cultural Group: RiverlandeValewoman
Appearance: Roslyn’s dark, straight hair and pale skin stand in sharp contrast to her father. Her amber eyes are inherited directly from him, however, as was her smile that often appears devious to some and endearing to others. Constantly lost in thought, she takes an unassuming posture, preferring to only display confidence when she feels she is in the right.
Trait: Insidious
Skill(s): Espionage (e), Investigator
Talent(s): Singing, Hunting, Gambling
Negative Trait(s): n/a
Starting Title(s): Steward of Willow Wood
Starting Location: King’s Landing
Alternate Characters: n/a
 
Archetypes/Notable Characters:

• Mya Ryger - Daughter of Willem; the resemblance is uncanny upon realizing that Roslyn inherited Willem’s cunning while Mya inherited charm. Aged 23. Tourney Knight archetype.
• Myles Ryger - Son of Willem and heir to Willow Wood; of whom has lost the luster of life in his eyes with an uneasy calm demeanor always present. Aged 20. Cutthroat archetype.
• Rickard Rivers - Bastard son of Willem; a mute who has devoted his life to a love of killing under the guise of being a knight. Aged 27.
• Marq Ryger - Brother to Willem; rather than enacting his cunning through subterfuge, he has instead proven his ability as a cunning commander with a true love of tactics. Aged 43.
• Robyn Ryger - Nephew to Willem; a man of true brilliance and joy for learning who has devoted his time to the art of revenue generation. Aged 24.
• Addam Ryger - Nephew to Willem; a kind-hearted simpleton that has been focused on the simplicity of combat. Aged 20.
• Septon-Maester Stephus - A long-time advisor to Willem; likely neither septon nor a maester, but his wisdom is vast, if often crude. Aged 68.

Epidemic of creating non-excisting diseases based on excisting diseases (hEDS, POTS, MCAS, Leaky gut, Candida, SIBO, gut microbiome...). Criticism towards Afrin, Molderings, Mücke, Weinstock and various other physicians and "non-profit organizations".
Certain internet blogs, social media accounts, physicians and other health care providers give out information that does not play along with scientific studies, not even the ones themself do. They base their sayings of smart wording "could","maybe" or of studies that rather speak out a theory than any fact.
"Covid-19 hyperinflammation and post-Covid-19 illness may be rooted in mast cell activation syndrome"
"Mast cell activation symptoms are prevalent in Long-COVID"
Someone might think, oh that means mast cells are involved, but no, it only says, that symptoms are alike, but a connection between these two is not shown. Yet, still many believe so and give those studies as proof for their sayings.
A GP might be very aware of the fact, that the claims that e.g. Afrin does, is not proofed by his work. For example while reading his book. (It seems books and advisers are a lucrative business as well.)
But a layperson, especially a desperate one searching for a solution for his/her own issues, maybe will not be able to tell. Especially not with the sheer amount of one sided content that is produced. If you google MCAS, you will most likely only find information supporting the unspecific definitions of MCAS but only rarely the information done by the AIM and/or ECMM.
.
If you look up Afrin, you will encounter this website Dr. Tania Dempsey. This is where you can consult for MCAS, functional medicine, vitamine therapies, hormone therapies and many more. Noticeable, the link to a high pricing supplement store. The first conflict of interest someone should keep in mind. Not that the consultations themselfs wouldn't pay off. Reportedly (a MCAS consultation with Afrin) 2000$ for the first two appointments of 2 hours and then every appointment about 650$ payed upfront.
Afrin is also the advisor in a certain company that is co-founded by Gerhard J. Molderings. He is a physician in pharmacology and toxicology. The company named "MC-Science" is in active search for investors, due to their claim to create new mast cell therapies.
https://www.mcsciences.com/investors/
For an investor to be interested, there has to be a garrant, that it is paying of.
"SIGNIFICANT MARKET POTENTIAL
Multi-product-in-a-pipeline in several disease indications with high unmet need."
The mechanism, is here the same as described by
-prevalance of mcas
-mcas dying to liste
-sibo prevalance
The reason for that may be, that giving people an easy explanation gives them much attention (for their blog sites, social media channels), more consultations and also money of pharmacy/brand deals or just them believing in the fake information as it is so wide spread. It would be also interesting to see who finances certain studies and "specialists" or organizations. Who has an interest in keeping pseudodiseases alive and make profit of supplements and medication. Many of those studies without a specific result and irritating statements, are financed by certain organizations.
https://www.mcsciences.com/disease-areas/
For investors to be interested, a success in selling must be granted. The more people believe in the false picture of MCAS and it's pathology in other diseases and the more unspecific they can form it, the more likely he can sell his medication to more and more people.
"SIGNIFICANT MARKET POTENTIAL
Multi-product-in-a-pipeline in several disease indications with high unmet need."
https://www.mcsciences.com/value-proposition/
.
Leonard B Weinstock is a GP and the reason why so many people say that LDN would be a therapy. He know also does SIBO studies, of course also in it's involvement in many pathologies, like restless leg, roscae (these studies are of course financed by the National Rosacea Society), pain syndromes and EDS, MCAS and even claim cancer and more. Then certain statements come up, like 70 per cent of IBS patients have SIBO. If you read the study, it actually says, 4-70 per cent may have SIBO in IBS. Of course his studies end with "this product has helped in treatment", resulting in people wanting their doctors to prescribe rifaximin, and certain doctors do, and patients dr. shop and tell each other who does. That this is unhealthy and may result in more health risks than before and them really damaging their gut.
LDN research is done with the LDN Research trust. His study findings to not play along with his other statements.
LDN in SIBO/IBS
Of the 74/121 (61.2%) patients who had side effects, 58 had one or more neurological complaints, and 32 had one or more gastrointestinal side effects. In the patients with side effects, 24/74 (32.4%) had short lived symptoms.
"The SIBO SOS® Podcast: Dr. Leonard Weinstock on Restless Legs, LDN, the Brain-Gut Connection and SIBO as an Autoimmune Condition"
https://sibosos.com/supplement/
Advertising memeberships, finding a pharmacy who prescribes it, study programs and books. The more diseases, the better. Even with shown above, questionable study findings. Showing that it is not about what you find, but how you word it.
.
Conflict of interest in the healthcare industry
Possibilities and Pitfalls of Social Media for Translational Medicine
Mass psychogenic illness

Me (17F), my dad (49M) and my mom (50F) live together.
I will enter one of the most important exams in my life in three weeks. I am anxious but I try to keep calm. However my mom is making this very difficult for me. This is the national university admissions test I will be entering. I am a sciences and mathemathics student with good grades. But my mom isn't content.
Yesterday, I got accepted from an university in New Zealand with my own efforts. After learning this, I shared the news with my mom. For me, getting into a university from a system that I didn't even prepare for is insane! But she started screaming at me. She told me these: "Do you really hate me that much that you applied to these places? You want to go far away? Guess what? Love is always conditional. Once you turn 18 then, bye sweetie, you are out." I recorded the things she said just in case.
This morning, one of my advisors from my cram school called my mom to ask how I am doing, informing her about the changes made in the schedule of there. There was a review class I decided not to attend, I know the topics very well. I made this decision on my own and didn't inform her. She screamed at me again today, for not informing her. Supposedly, I needed to inform her about this as I am not an adult yet. We had a fight again. I told her she always tries to be the victim and I am tired of her behaviour. Then, I asked dad for help. He told me it is just fine, I should just say okay and not pay attention to her. I didn't think it is fine. I also told him how my mom threatened to throw me out and he didn't believe me. I showed him the record and he told me "Eh, she is just like that sometimes. I'm sure she didn't mean that, she loves you."
For the rest of the day, she kept storming into my room telling me how far I am from where I should be now (which I know is very wrong. I try my best NO MATTER what and that's why I came so far in first place). Finally I stared at her, locking my room immediately. I kept it locked. For dinner I went to the kitchen, this time both my parents stated their distaste for my current state in academics (with my mom in an agressive manner and my dad being passive). I told them I will never be grateful for this, how I wanted their support for once and told them I will leave home immediately and never return after getting accepted to an university. My mother told me I am a horrible daughter and how other's children are amazing. I looked at my dad for help and he apologetically stared, then left.
This much pressure with 21 days is insane even for someone resilient like me. I am not able to understand whether this behaviour is okay or not, and all of this "freezed" my study efforts today. I have assigments and lectures for tomorrow. I am still confused if I did what is right.
AITA? Please tell me what you think. I need to hear someone's opinion. Thank you.
Edit: I gathered the important documents needed and will calculate my finances. I also arranged a safe place, I'll stay with one of my best friends if things go real bad someday. Thank you for all of the advice. Even in thirteen hours since posting this, I did a lot thanks to all of you. I had no clue of what to do next. I will apply for excellence scholarships later on. Thank you all again :) See you in three weeks :D!

Apps and Agencies
Findmate: Is not the largest international dating app, but it might have the best security of anyone out there. Its built in video features make it easy to see what the women really look like - without filters! It also has an innovative revenue share model that makes it a far more ethical choice than other dating apps.
A Foreign Affair: AFA is the oldest and largest international matchmaker on the planet. Most PPBs don't need a matchmaker, but AFA is more than just matchmaker. They can help with all sorts of services and help arrange individual dates in thirteen countries with serious marriage minded women.
Official Resources:
US Passport Office: American citizens who do not have a passport should start here.
US State Department Travel Tips: Follow the links and see what the US government thinks you should be aware of on your trip. Be sure and click on the Check List.
CIA World Factbook:This is simply an amazing resource for world travelers. It is a resource for American officials traveling overseas. It is all open source and so on, but a great place to start your research on a country.
General Travel Advice:
10 Tips For First Time International Travelers: Good simple article on traveling internationally. It is not that complicated, but for beginners it can be overwhelming.
Longer Beginner's Guide: This guide to international travel is more detailed than the one above and has useful links.
TripAdvisor: They do a great job with advice about hotels, restaurants and so on.
Frommers: One of the oldest travel resources. It is great for deep dives on a country or city.
World Weather Site: A good place to start on the weather for almost any destination.
Kiplinger's List of Money Saving Travel Sites: Kiplinger's is an old school money magazine and this is a pretty good start for money saving travel sites.
Expat Information:
Expatica: Advice for first time expats from one of the best expat websites.
Numbeo: Cost of living calculator based on user feedback. You tend to learn more than just about prices if you pay attention.
Information on International Dating:
International Love Scout: Read the articles. This site is the best general site on international dating. The articles on Academic Research and the Benefits of Marriage Are Particularly Good.
Elena's Dating Blog: Run by Elena's Models this is a great resource on Eastern European women, particularly Russians.
Great Reddit Posts:
Information For Black Guys: This is a great post for African-American guys.

I never smoked; I rarely drink; And other drugs? Surely no way! ( Stretch marks came to be on my sagging upper arm. I gnawed them like a trapped fox until welts started to emerge.
When my thoughts came coldly, the only thing that felt warm were platinum-steel aftershocks from a flowing red surge.
As I started to get so heavy that my breathing began to alarm, I started a regular food detox; every binge begets a purge.
Though they didn't know me, I was swooned by their charm. Was I to know love unblocks A half-inch ceramic gorge? ) Who'd need those things we know are bad To just get by the day to day?
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My name is Joan and I am an energy healer. I basically provide healing/reiki services to those who need assistance when it comes to their mental health, cutting cords, forgiveness, help healing a broken heart etc. I also help unblock/align chakras. Sending healing energy to pets suffering from pain as well.
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My name is Joan and I am an energy healer. I basically provide healing/reiki services to those who need assistance when it comes to their mental health, cutting cords, forgiveness, help healing a broken heart etc. I also help unblock/align chakras. Sending healing energy to pets suffering from pain as well.
You can choose between $30 for 30 minutes or $50 for 1hour
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My name is Joan and I am an energy healer. I basically provide healing/reiki services to those who need assistance when it comes to their mental health, cutting cords, forgiveness, help healing a broken heart etc. I also help unblock/align chakras. Sending healing energy to pets suffering from pain as well.
You can choose between $30 for 30 minutes or $50 for 1hour
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My name is Joan and I am an energy healer. I basically provide healing/reiki services to those who need assistance when it comes to their mental health, cutting cords, forgiveness, help healing a broken heart etc. I also help unblock/align chakras. Sending healing energy to pets suffering from pain as well.
You can choose between $30 for 30 minutes or $50 for 1hour
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My name is Joan and I am an energy healer. I basically provide healing/reiki services to those who need assistance when it comes to their mental health, cutting cords, forgiveness, help healing a broken heart etc. I also help unblock/align chakras. Sending healing energy to pets suffering from pain as well.
You can choose between $30 for 30 minutes or $50 for 1hour
Reviews 1 :)
Reviews 2 :)
Review 3 :)
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My name is Joan and I am an energy healer. I basically provide healing/reiki services to those who need assistance when it comes to their mental health, cutting cords, forgiveness, help healing a broken heart etc. I also help unblock/align chakras. Sending healing energy to pets suffering from pain as well.
You can choose between $30 for 30 minutes or $50 for 1hour
Reviews 1 :)
Reviews 2 :)
Review 3 :)
Reviews 4 :)

My name is Joan and I am an energy healer. I basically provide healing/reiki services to those who need assistance when it comes to their mental health, cutting cords, forgiveness, help healing a broken heart etc. I also help unblock/align chakras. Sending healing energy to pets suffering from pain as well.
You can choose between $30 for 30 minutes or $50 for 1hour
Reviews 1 :)
Reviews 2 :)
Review 3 :)
Reviews 4 :)

My name is Joan and I am an energy healer. I basically provide healing/reiki services to those who need assistance when it comes to their mental health, cutting cords, forgiveness, help healing a broken heart etc. I also help unblock/align chakras. Sending healing energy to pets suffering from pain as well.
You can choose between $30 for 30 minutes or $50 for 1hour
Reviews 1 :)
Reviews 2 :)
Review 3 :)
Reviews 4 :)

My name is Joan and I am an energy healer. I basically provide healing/reiki services to those who need assistance when it comes to their mental health, cutting cords, forgiveness, help healing a broken heart etc. I also help unblock/align chakras. Sending healing energy to pets suffering from pain as well.
You can choose between $30 for 30 minutes or $50 for 1hour
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