Everfi banking basics answers module 1

TTRPG System Design Poll

2023.06.10 22:48 klok_kaos TTRPG System Design Poll

Hello All! I'm doing some basic polling and playtesting with an option I'm about 50/50 on for my game Project Chimera: E.C.O. currently in alpha development.
Basic information:
Players take on the role of a black ops super soldier working for a PMSC (Chimera Group International). The game heavily focuses on stealth and social objective completion over combat, ie, there is no incentive for combat, it's a way to achieve an objective, but it's the worst ROI since it is potentially lethal and consumes resources much faster than other methods and doesn't offer special rewards, also there's not really "loot" per se like in a DnD game. Loot is most likely to be information that advances the plot.
The game is crunchy, while easy to learn the core game loops (there's a 1 page overview that will get any experienced RPer able to sit for their first session and 3 points of entry: pregen, table roll/select, and full custom) it's mostly that it has lots of flexibility and character options, which is great for players that want that, but it's a known limitation it will not appeal to rules light/casual gamer preferred experiences.
The game takes place in a five minutes into the future dystopian mirror alt earth with cyberpunk and sci fi elements. Characters have access to things like advanced training, gear, bionics, psionics, super powers, feats, etc. A character's starting template doesn't restrict them, it just figures out their initial boosted areas, ie if you take the bionics aspect, your character will have more bionics than a general build character, you can still access everything else, but it's more a question of where you want the thematic focus of the character to be. All characters are baseline competent in the areas of stealth, socialization, survival and gunplay/combat (you absolutely can use HTH and melee with extensive options, but as one might expect, guns are usually more effective, though those options definitely have their place).As such consider these things to be relevant to potential players, ie if you hate stealth/social, prefer rules light casual, opinions are less relevant in this case because it's not a game built for that kind of player.
The Actual Concern:
Currently I'm considering removing the concept of a critical hit in combat doing double damage automatically and there's a good amount of relevant information:
  1. Players have others ways to boost damage
  2. This wouldn't remove the option, it just expands the option to more options.

The concept works like this:
Characters have 4 meta currencies, one of them is called Essence.
This is a daily regen pool and is used for "enhanced performance" of some kind. Presently it can be used for things like a small bonus to a roll for a save, or gaining +1 standard action on a turn, remove a level of exhaustion, rally, etc., the point being it does have a level of utility. It might be also be used to fuel a special ability from a feat, augment a powepsionic, allow for a special application move, etc.
Crits occur in combat (skills can also crit) similar to PF2e in that you can gain one on a nat 20 or if you exceed the TN by 10+ (in most cases, there are other ways to finagle this but they are niche).
Essence is described in game as:
Essence represents the total abstract humanity of a character as well as their general combined physical and mental well being, focus, and general willpower. It is utilized to overcome general limitations and perform above expectations. Essence is most commonly associated with the concept of the superego.
The proposed change would be a character gains 1 essence (up to max pool, this can be spent immediately if it exceeds) on a crit, but double damage would cost 2 essence.
A typical early level character is likely to have somewhere around 10-20 essence total in the pool (could be more or less but this is an estimated average).
Some positives of this proposed change:
This provides another opportunity for essence regen for players.
This provides additional utility and tactical choice in combat (ie they might opt for double damage and spend the extra, bank it, apply a status effect instead, etc.), particularly because more damage is not always a preferred option. In many cases disabling an opponent quickly and without drawing attention is preferred over killing them, and in some cases capturing a target alive is the mission itself.
This can open up other combat applications for essence use.
Some negatives of the proposed change:
Adding a player choice here can slow down combat for indecisive players.
This puts more emphasis/reward on combat, which isn't really the intent of the game. Essence is easier to earn in game in other ways, but adding incentive in combat assumes that this is a reward for player behavior, when open combat is, by design, meant to be more of an "oops, we screwed up moment". With that said, characters are black ops super soldiers so the game is less about never being in combat and more about trying to stave off combat as much as possible and if you have to enter combat, doing so with control of the battlefield in a smart and tactical manner.
This requires additional book keeping. Not a whole lot, we already have to track essence use, but we now have to consider that it will fluctuate more often (as part of combat).
Why I'm split:
The game is built and meant to be focused on providing experiences other than combat (ie the goal is to get as far away from typical game loop of "punch monster until it drops loot" as possible), but it would be fair to say it also has extremely robust options and tactical choice for combat. To be clear, the combat is highly tactical and has more moves available in and out of combat than probably any other known game on the market, but it's also not meant to appeal specifically to "combat only players" and the system design directly reflects this.Basically my design values are in a bit of conflict here.
Obviously I'll play test this regardless, but I'm curious about:
Are there additional reasons foagainst this?
Given the premises of the game, which do you think is likely to be more fun for you specifically? For the type of gamer this game is meant to appeal to? Why?
View Poll
submitted by klok_kaos to rpg [link] [comments]


2023.06.10 22:46 klok_kaos Critical Hit Polling question

Hello All! I'm doing some basic polling and playtesting with an option I'm about 50/50 on for my game Project Chimera: E.C.O. currently in alpha development.
Basic information:
Players take on the role of a black ops super soldier working for a PMSC (Chimera Group International). The game heavily focuses on stealth and social objective completion over combat, ie, there is no incentive for combat, it's a way to achieve an objective, but it's the worst ROI since it is potentially lethal and consumes resources much faster than other methods and doesn't offer special rewards, also there's not really "loot" per se like in a DnD game. Loot is most likely to be information that advances the plot.
The game is crunchy, while easy to learn the core game loops (there's a 1 page overview that will get any experienced RPer able to sit for their first session and 3 points of entry: pregen, table roll/select, and full custom) it's mostly that it has lots of flexibility and character options, which is great for players that want that, but it's a known limitation it will not appeal to rules light/casual gamer preferred experiences.
The game takes place in a five minutes into the future dystopian mirror alt earth with cyberpunk and sci fi elements. Characters have access to things like advanced training, gear, bionics, psionics, super powers, feats, etc. A character's starting template doesn't restrict them, it just figures out their initial boosted areas, ie if you take the bionics aspect, your character will have more bionics than a general build character, you can still access everything else, but it's more a question of where you want the thematic focus of the character to be. All characters are baseline competent in the areas of stealth, socialization, survival and gunplay/combat (you absolutely can use HTH and melee with extensive options, but as one might expect, guns are usually more effective, though those options definitely have their place).As such consider these things to be relevant to potential players, ie if you hate stealth/social, prefer rules light casual, opinions are less relevant in this case because it's not a game built for that kind of player.
The Actual Concern:
Currently I'm considering removing the concept of a critical hit in combat doing double damage automatically and there's a good amount of relevant information:
  1. Players have others ways to boost damage
  2. This wouldn't remove the option, it just expands the option to more options.

The concept works like this:
Characters have 4 meta currencies, one of them is called Essence.
This is a daily regen pool and is used for "enhanced performance" of some kind. Presently it can be used for things like a small bonus to a roll for a save, or gaining +1 standard action on a turn, remove a level of exhaustion, rally, etc., the point being it does have a level of utility. It might be also be used to fuel a special ability from a feat, augment a powepsionic, allow for a special application move, etc.Crits occur in combat (skills can also crit) similar to PF2e in that you can gain one on a nat 20 or if you exceed the TN by 10+ (in most cases, there are other ways to finagle this but they are niche).
Essence is described in game as:
Essence represents the total abstract humanity of a character as well as their general combined physical and mental well being, focus, and general willpower. It is utilized to overcome general limitations and perform above expectaions. Essence is most commonly associated with the concept of the superego.
The proposed change would be a character gains 1 essence (up to max pool, this can be spent immediately if it exceeds) on a crit, but double damage would cost 2 essence.A typical early level character is likely to have somewhere around 10-20 essence total in the pool (could be more or less but this is an estimated average).
Some positives of this proposed change:
This provides another opportunity for essence regen for players.
This provides additional utility and tactical choice in combat (ie they might opt for double damage and spend the extra, bank it, apply a status effect instead, etc.), particularly because more damage is not always a preferred option. In many cases disabling an opponent quickly and without drawing attention is preferred over killing them, and in some cases capturing a target alive is the mission itself.
This can open up other combat applications for essence use.
Some negatives of the proposed change:
Adding a player choice here can slow down combat for indecisive players.
This puts more emphasis/reward on combat, which isn't really the intent of the game. Essence is easier to earn in game in other ways, but adding incentive in combat assumes that this is a reward for player behavior, when open combat is, by design, meant to be more of an "oops, we screwed up moment". With that said, characters are black ops super soldiers so the game is less about never being in combat and more about trying to stave off combat as much as possible and if you have to enter combat, doing so with control of the battlefield in a smart and tactical manner.
This requires additional book keeping. Not a whole lot, we already have to track essence use, but we now have to consider that it will fluctuate more often (as part of combat).
Why I'm split:
The game is built and meant to be focused on providing experiences other than combat (ie the goal is to get as far away from typical game loop of "punch monster until it drops loot" as possible), but it would be fair to say it also has extremely robust options and tactical choice for combat. To be clear, the combat is highly tactical and has more moves available in and out of combat than probably any other known game on the market, but it's also not meant to appeal specifically to "combat only players" and the system design directly reflects this.
Basically my design values are in a bit of conflict here. Obviously I'll play test this regardless, but I'm curious about:
Are there additional reasons foagainst this?
Given the premises of the game, which do you think is likely to be more fun for you specifically? For the type of gamer this game is meant to appeal to? Why?
submitted by klok_kaos to RPGdesign [link] [comments]


2023.06.10 22:45 sesame-yeezy 10 days later and it all feels so surreal still. how & why? i’m not sure i’ll ever have enough closure or answers. maybe i’m just too stubborn to want them too, idk

first off, i’m sorry in advance for posting so much in here. this place has been so lovely to vent & just tell Keegan’s story. it makes the loss feel a tiny bit less unbearable hearing all your stories as well. although i’d never wish this on anyone
Keegan passed away, rather suddenly, on June 1. i have detailed posts on my page of the timeline of events if anyone is interested in hearing more. i also wanted to link Keegan’s last report from the ER in case there’s anyone else out there who finds some relief in seeing and hearing what happened from a strictly scientific/veterinary standpoint, emotions aside. it looks like a scammy link but it’s the easiest way to share a PDF file: https://beige-franny-63.tiiny.site
the biggest questions i’m grappling with nearly a week and half later are, how & why?
how did this happen? Keegan was in incredible shape with no known cancers, ailments, etc. (besides some arthritis). hours before he started feeling unwell, he was 100% himself. and i can’t exaggerate that enough. how could in less than 20 hours could he go from just your typical senior dog to having to be put down?
if you don’t want to or haven’t read the report, essentially the neurologist was highly suspicious of a tumor within his brain that ruptured and was the cause of his rapid decline, & passing.
typing that out seems too surreal. he had a tumor in his brain that ruptured? how? even more head scratching (from my perspective of thinking he was indestructible) was he exhibited no symptoms, beyond PU/PD (excess thrust and urination) that we got treated by an internal specialist. from suspected Cushing’s disease, to diabetes insipidus, to chalking it up to “psychogenic reasons” (i.e, behavioral / mental health). we found a solution that worked. they were called DDAVP eyedrops that really gave him and us such a better quality of life these past ~2 years of his life.
but beyond that, he never showed any signs of the tumor. no seizures, no weakness in limbs, no abnormal behaviors, NOTHING! we spent Memorial Day weekend (just mere days before) walking him in parks, taking him on a picnic without an ounce of worry something was wrong.
so how could he got from his happy, curious, lovey self to death so suddenly? i did speak to his neurologist & she explained that the growth likely grew too large or even ruptured and basically led to a rapid decline. but just like that? one second he’s fine and the next it’s ruptured? i know she’s the expert who spent hundreds of thousands of dollar on her education and dedicated her life to animals, even more so with a speciality in neurology, but it just seems so unfair. and maybe because he was (and still is) the center of universes, it’ll always seem unfair. he likely couldn’t survive through an MRI or potential radiation and we had to end his suffering.
and my next question is, why? why did it have to end like this? he was 16 and lived a beautiful, long life, but we weren’t done yet. we had so much planned for the summer and beyond. why did the tumor have to rupture/bleed/spread them? he didn’t deserve that. i always thought about the end of his life as he got older in an anticipatory way, but NEVER in my life would i suspect this is how and why’d he’d go.
i know i should listen to the doctors. i spoke to his neurologist, his primary doc, a different ER doc, and even a few vets on here who have the same conclusion— there’s nothing you could’ve done more. but for some reason, i cannot accept that answer. is it my grief? probably yeah, but i feel like i have to keep chasing the answer, for him. you might think “well you have your answer right?” and logic says yes, but my heart is thinking something else had to have happened. it couldn’t be a brain tumor that was seemingly dormant for nearly 2 years. it just doesn’t add up, right?
idk, i feel like i’m losing it and everyone in my life has to keep giving me reassurance. but this vicious cycle of guilt, regret, & “what ifs” is eating me alive. i am seeking professional help to help navigate this & also am starting a support group later this week. i’m trying my best, but truthfully nothing will be able to satisfy this hole in my heart and soul. with every fiber of my being, i love Keegan so much and always will, until the day i go. i just need him to know we did everything we could for him and i hope he doesn’t feel like we failed him.
if you’ve read this post yet again. thank you, and thank you for this community existing to let us vent as freely and as vulnerably as possible. ❤️
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2023.06.10 22:35 edwinbarnesc GMERICA: Activist Affiliates Are The Stalking Horse That Will Acquire [REDACTED] Through Lazard

GMERICA: Activist Affiliates Are The Stalking Horse That Will Acquire [REDACTED] Through Lazard
Things just got interesting.
New $BBBYQ court dockets 674 (Professionals), 676 (Lazard) and 677 (Confidentiality) have just released.
The court docs confirm the Activist Affiliates as the stalking horse through Lazard, the investment bank and a Confidentiality stipulation has been court ordered meaning details of the Transaction Sale for buybuyBABY through Lazard will be [REDACTED] to the public citing "competitive injury."
Now, let's dig in.

Shill Destroyer: DIP Facility Confirmed

Starting with docket 674 filed 6/9/23:

From doc 674 off kroll website
This docket is especially important because it lists all the Professionals and professional services utilized in chapter 11 restructuring.
More than anything, it clearly states that Debtor-In-Possession financing facility, aka DIP FACILITY is addressed to Proskauer Rose at 11 TIMES SQUARE NEW YORK, which in case you forgot, is the legal counsel to Carl Icahn's $IEP.
This should put to rest any speculation about $IEP's involvement and is tit-jackular confirmation that $IEP is directly in-control of the stalking horse bid outcome due to the DIP Facility which grants $IEP & Affiliates = SUPER SENIORITY STATUS to claim any sale of assets in $BBBYQ chapter 11.
It is the signature takeover move that Icahn used to acquire Las Vegas Tropicana, which funny enough also required a DIP Facility and was setup by Silverpoint Capital at that time (SP Cap is currently an active Interested Party in $BBBYQ ch11 too).
Here is a closer look into Carl Icahn's Las Vegas Tropicana takeover, based on the 10K filed in 2010:

IEP takeover of Las Vegas Tropicana with DIP Facility by Silverpoint Capital (an Interested party in $BBBYQ ch11)
I doesn't get anymore more obvious than this, shills can suck it.
Now, moving on.

Shorts Anxiety: The Lazard Connection

Beginning with docket 676:

From doc 676 off kroll website
Lazard has been authorized as the investment bank to handle the sale of buybuyBABY on behalf of the debtors ($BBBY).
This confirms the connection that Lazard is also working on behalf of the Activist Affiliates (see this post for full context).
Who are the Activist Affiliates?
They have been identified as Brett Icahn's $IEP, Affiliate parties, RC Ventures, Interested Parties (Silverpoint Capital, Putman Investments of babies r' us Canada, etc.), and includes Pulte Family Office.
Basically, they are a bunch of Billionaire Activist investors that are gonna fuck these shorts so hard they'll never forget it.
Here's a nice image of them all together.

Doc 676 has attachments: starting with Exhibit 1 that is titled, "March Engagement Letter" dated March 21, 2023 that was sent from Lazard to $BBBY's CEO Sue Gove:

Exhibit 1 from doc 676 - March Engagement Letter that Lazard wrote to CEO Sue Gove
This is a critical piece to the ongoing saga between $GME x $BBBYQ and officially confirms an "Engagement Agreement" was formed between Lazard and the company Bed, Bath, and Beyond on January 15, 2023.
That date is important because RC tweeted that he bought all the stocks, and there's a Pitchbook data entry that reveals buybuyBABY was acquired through a leveraged buyout on January 13, 2023.
Now, I want to be clear, that the LBO "sale" on Jan 13, 2023 was likely a hold of some sort hence the language 'Engagement' which sounds like the fiancé period in a relationship before the official wedding ceremony.
Just ask any fiancé for confirmation of their relationship: it's unofficially, official.
In my previous post, under the section 69D Checkmate: Acquiring BABY With LBO Financing, I show how this transaction took place in January 2023.
Therefore, the sale or consummate of final sale (aka wedding day) has yet to be made official and that's why ch11 has deadlines for hearing dates.

Shorts Worse Nightmare: The Smoking Gun

Furthermore, on doc 676, Exhibit 2 labeled as the "April Amendment" reveals the connection between Lazard and the Activist Affiliates:

Exhibit 2 from doc 676 - April Amendment letter Lazard wrote to CFO Holly Etlin, the Turnaround Restructuring Queen
BOOM! This is undeniable proof that Lazard is working with the Activist Affiliates and helped setup the DIP Facility by admission of receiving a $4 million payment (a money trail doesn't lie).
And then there is specific mention for a Sale Transaction Fee to be collected for Lazard in the event of $BBBY consummating a sale (wedding day), where the acquisition of BUY BUY BABY will go through the Affiliates via Dealer Manager's Agreement (DMA), which I covered in the last post.
Further supporting evidence:
Lazard has been utilized to carry out LBO transactions for IEP's takeover of HP & Xerox by working with Carol Flaton of AlixPartners. Carol was hired as an independent director of $BBBY in late January 2023 and later appointed to $BBBY board.
I mention Carol Flaton because there was a time when NOBODY could explain how she was hired to the board since it was believed that RC Ventures completely sold off all his shares.
However, it is now proven with Exhibit 1 "Engagement Agreement" that something unofficially-Official took place which matches the Pitchbook data of an LBO "sale" and explains how RC Ventures through the Activist Affiliates had the ability to appoint Carol Flaton. RCV wasn't holding the shares because the Affiliates were in possession of the shares.
BIG FUCKING BOOM!
Here, this letter from RC Ventures to BBBY is a helpful reminder that the ACTIVIST AFFILIATES were calling the shots:

RC Ventures letter to $BBBY and reveals that the Affiliates appointed Carol Flaton
Feels good to tie up another loose end.
Case-closed.

Shorts Funeral: The Killsh0t

Continuing on doc 676 with Exhibit 3, the Indemnification letter:

Exhibit 3 from doc 676 - Indemnification letter Lazard wrote to BBBY CEO Sue Gove
This letter dated August 10, 2022 is basically a get-out-jail-free card and releases Lazard from any and all liabilities and risk pertaining to what was about to happen around that time.
A few days after that letter, RC Ventures "sold" his shares of $BBBY on August 18, 2022, supposedly.
There is an EDGAR filing from RCV that states he sold his shares in the open market (pointed out by u/travis_b13), however, that couldn't be further from the truth as you just learned because the Affiliates were holding beneficial ownership shares by January 2023 and was able to appoint Carol Flaton.
This Indemnification Letter allowed Lazard to create the Dealer Manager Agreement (DMA) on October 18, 2022 which became the official day where Lazard + ALL PARTIES + Activist Affiliates were combined into a sole legal entity/buyer for the acquisition deal of buybuyBABY.
Here is the Dealer Manager Agreement, (full context here):

Dealer Manager Agreement (DMA) supersedes all other agreement
Hence, this DMA has created an entity that is now the Stalking Horse.

The [REDACTED] Sale

According to doc 677, known as the Confidentiality Stipulation, a court has ordered the details of the sale to be sealed, so the Stalking Horse Bidder may not be announced to the public after the Sale Hearing date on June 27, 2023.
The choice to announce will be given to BBBY or the winner of the bid to do so of their choosing.

From doc 677
The court has ordered confidentiality citing "competitive injury" so we may not get confirmation of the Stalking Horse or the final winner of the sale.
This info may be important to others, but for those following along, well you already know :-)

TLDR, Exhibits & Complete BBBY Timeline:

  • On July 26, 2022, $IEP setup $400M in depository units and filed a shelf-registration with SEC (a trap card), which I covered in this post.
  • On November 21, 2022, Proskauer Rose (11 TIMES SQUARE NEW YORK) became legal counsel to $IEP and was witness to a Prospectus Supplement SEC filing and now CONFIRMED in doc 674 as the DIP Facility controller
  • On August 10, 2022, Lazard receives protection from liabilities and risks through an Indemnification Letter as shown on doc 676 Exhibit 3, marking the beginning of the Activist Affiliates group to begin acquisition proceedings for buybuyBABY.
  • On August 25, 2022, Sixth Street Lending activated $IEP's shelf-registration and granted BBBY $400M in emergency funding. Sixth Street is the DIP Administration Agent, and under direction of Proskauer Rose (details in this post)
  • On October 18, 2022, Lazard enters into a Dealer Manager Agreement (DMA) that binds itself with the Activist Affiliates and all parties into a single entity. On the same day, RC tweets a photo of himself standing next to Carl Icahn. The DMA allowed the Affiliates to start the acquisition of buybuyBABY through B. Riley Securities (verified by active $BBBY Form S-3) which I covered in this post under the Financing Rounds.
  • On January 15, 2023, doc 676 Exhibit 1 shows an "Engagement Agreement" to acquire buybuyBABY according to Pitchbook and confirmed by RC's tweet that he bought all the stocks. This engagement is like the fiancé period in a relationship before the wedding day (coming soon).
  • On April 22, 2023, doc 676 Exhibit 2 clearly shows the connection between Lazard and the Activist Affiliates by revealing a $4 Million money trail which Lazard received for setting up the DIP Facility.
  • By creating the DIP Facility, $IEP's $400M funding became a trojan horse that granted SUPER SENIORITY STATUS to claim the sale of assets in ch11, which is basically dibs on buybuyBABY above all creditors regardless of secured or unsecured status - this puts to rest all the MSM fud of who is acquiring buybuyBABY.
  • The Stalking Horse are the Affiliates through Lazard's DMA. The Sale Hearing, details of the sale, or identity of the Stalking Horse might not be announced to the public due to court ordered Confidentiality Stipulation. The Activist Affiliates will announce it on their terms.
Finally, it looks like all the pieces to the puzzle have come together..
And all the pieces on the chess board have moved in position..
The Stalking Horse Bid has been extended to Sunday, June 11, 2023 which pushes the final Sale Hearing date to June 27, 2023 which is exactly 1 week away from July 4, 2023 = TUESDAY 7/4.
And why is that important? Because of this:

RC tweets on July 4, 2021 - Power to the Players
And this just happened:
Trademark filed for \"POWER TO THE WEB3 PLAYERS\"
Looks like there will be fireworks.. GMERICA
The birth of a new company is coming.. TEDDY
The beginning of the End.. SHORTS CAPITULATION
And the start of something delightful..

The GMERICANS: Founding Fathers coming soon - July 4, 2023
MOASS HAS BEGUN.

GMERICA 🏴‍☠️

submitted by edwinbarnesc to edwinbarnesc [link] [comments]


2023.06.10 22:32 LiquidWebmasters Real Solutions for Renters. Add yours to my list....

We need to stop whining and complaining, and give politicians some answers
With regards to immigration, I understand we have a demography problem and the boomers are all retiring, so we need more young people in Canada. But pushing everyone to bankruptcy is not the answer.
I also understand that residential real estate is a huge part of our economy, and we cannot expect landlords to take the brunt of any solution. They're financing their lives away based on "current reality", and their taxes pay for everything in our communities.
Here are some important steps to solving our housing crisis IMO:
  1. Peg immigration levels to available housing at the Federal and Province levels now!
  2. Significantly increase taxes on Airbnb properties as they remove housing from Canadian Citizens and residents
  3. The Federal government should use its crown land to build new houses. Canadians pay for the house to be built (this keeping the building industry happy), and the government leases the land to the new home owner at a realistic rate. Naturally, good public transport to these new regions would be better for the earth and economy. Imagine giving folks who are first home buyers this chance to get a head start in life.
  4. Heavily tax people who are using houses and land banks, leaving homes sitting empty
  5. And most importantly - Limit the number of houses (not condos) that any individual or company can buy. We need to keep corporations with access to AI from buying all the available residential """""land"""""" up and destroying the middle class dream.
On point 5 - listen carefully Landlords. Corporations with access to AI have all the data, and they will destroy you and your "investments" in the not too distant future!
What are your ideas - please add them!
submitted by LiquidWebmasters to TorontoRealEstate [link] [comments]


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2023.06.10 22:27 DrippyGoods Why or Why not to compress files in game development.

I'm just now getting into game dev, like JUST now, so this may be a stupid question. I have a basic understanding of what file compression is but I want to know the whys and why-nots. For example when redownloading Elden ring the download is 46.7 GB and the installed game is 48.1 GB, what is the point of the less than 2 GB of file compression? Why do some devs seem to avoid any kind of file compression like the plague, it's something I have seen people getting upset about online, when referring to obnoxiously large game files, but I'm assuming there has to be more to it than pure laziness on the dev's part like people make it out to be. If this is not an easily answerable question could someone at least point me in the direction of a good learning resource?
submitted by DrippyGoods to gamedev [link] [comments]


2023.06.10 22:27 AutoModerator [Genkicourses.site] ✔️Brandi Mowles – Conversion For Clients ✔️ Full Course Download

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2023.06.10 22:26 AutoModerator [Genkicourses.site] ✔️ Jason Wardrop – Agency Partner Program ✔️ Full Course Download

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2023.06.10 22:26 CB_scorpio Hatom Protocol - A Deep Dive Thread -Part I by @robolteanu

Hatom Protocol - A Deep Dive Thread -Part I by @robolteanu
With xLaunchpad around the corner and @HatomProtocol being officially the upcoming launch it's time to learn more about it.
A deep dive thread into the project aimed to improve your research before investing.
Let's get into it 👇 🧵

Hatom Protocol - A Deep Dive Thread
Here's the breakdown of what I'm going to cover in this thread :
🅐. Project Overview
🅑. Hatom Building Blocks
🅒. ESDT
Before we start with this thread, please don't rely only on my thread to do your research.
I've created this so you can have a better understanding of the project, but it's not an endorsement to buy into it.
Always create your own thesis!

🅐. 𝗣𝗿𝗼𝗷𝗲𝗰𝘁 𝗢𝘃𝗲𝗿𝘃𝗶𝗲𝘄
The first question will always be: " What the hell is this project all about?"
@HatomProtocol is an incredible combination of different building blocks that aims to empower #MultiversX ecosystem.
At the base, Hatom is a liquidity protocol.
Two of the most important elements of @HatomProtocol will be the decentralized lending market and liquid staking module.
Those two features aim to radically change the way we are using #MultiversX.
It can be seen as a combination of Lido and Aave.
@HatomProtocol act as a decentralized bank and will offer liquid staking advantages to users on #MultiversX.
It aims to resolve the lack of #DeFi products on this chain and increase the overall liquidity.
It is no surprise that #MultiversX needs a suite of products to ignite the long-awaited DeFi era.
With a place where users can borrow funds and also get liquidity while securing the network, @HatomProtocol seems to have immense potential.

Let's delve into its modules 👇

🅑. 𝗛𝗮𝘁𝗼𝗺 𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝗕𝗹𝗼𝗰𝗸𝘀
This will be divided into three parts :
1️⃣. Lending Protocol = decentralized lending protocol
2️⃣. Liquid Staking = liquidity for staked $EGLD
3️⃣. Hatom Mush = isolated lending protocol.

1️⃣. 𝗟𝗲𝗻𝗱𝗶𝗻𝗴 𝗣𝗿𝗼𝘁𝗼𝗰𝗼𝗹
The lending protocol is the first building block of the @HatomProtocol ecosystem.
You can think about this module as a decentralized bank.
How is it working?
https://preview.redd.it/a4xmig35n55b1.png?width=680&format=png&auto=webp&s=8c6566f30af5de6c1b9f0d426a36ac00b4427dd8
he lending protocol relies on two parties to work :
➡ Lender = provides liquidity by supplying tokens to a pool of assets;
➡ Borrower =borrow liquidity by taking these tokens from that same pool.
Why would someone supply its tokens to the lending protocol?
This process works exactly line in the real life with the banks.
A bank customer will deposit money into a saving account that is paying a certain APR.
The bank then uses the funds to accrue a higher return on that sum than what they are paying to the customer.
With @HatomProtocol, the lender will receive rewards from the borrowers.
The APR is not fixed and it all depends on the utilization rate of the funds.
It's an easy process to gain more rewards on your crypto bags without providing liquidity and having impermanent loss risk.
On the other hand, a borrower will need to deposit the assets into the lending protocol and activate them as collateral.
Once they do that, the collateral can be used to get a loan, based on a certain loan-to-value which depends on the asset criteria.
Here's an example 👇

https://preview.redd.it/abn7thv8n55b1.png?width=679&format=png&auto=webp&s=d423f24c216fd6d03409bc91bb4d8653beac6699
I would really encourage you to read the following thread for a better understanding of the lending protocol.
Once you read that, let's continue with the second building block.
[email protected]
https://preview.redd.it/zvyjvsjcn55b1.png?width=510&format=png&auto=webp&s=fbd0b6e35799fe5aad4451ed960ce60edae6d33e
2️⃣. 𝗟𝗶𝗾𝘂𝗶𝗱 𝗦𝘁𝗮𝗸𝗶𝗻𝗴
Proof of stake blockchains relies on stakers to increase the security of the network.
On #MultiversX, network security is achieved by staking $EGLD with one of the validators that are running nodes on the chain.

https://preview.redd.it/863ybskln55b1.png?width=1200&format=png&auto=webp&s=be6ac59125dc0b93f6ad6d71785e2238e6fa6173
The main problem of traditional staking is illiquidity.
Once you delegate your tokens to a validator, they are locked up for a certain period of time.
During this time, you cannot sell or trade your tokens, which means your assets are illiquid.
@HatomProtocol aims to resolve this issue by creating the liquid staking module.
Users will be able to stake their $EGLD directly into the dApp and receive a receipt token called $sEGLD ( staked $EGLD ).
$sEGLD is a liquid asset and can be used in other protocols while earning rewards from staking.
In liquid staking, stakers don't receive additional $sEGLD over time.
Instead, the value of their existing $sEGLD increases algorithmically based on the liquid staking APY.
The lending protocol and liquid staking module will work very close together.
The fees earned by the project from the liquid staking will be used to bootstrap organically the money markets of the lending protocol.
There will be no inflation of the HTM token to incentivize users
Liquid staking is the new hot narrative in DeFi and will have a humongous impact on the ecosystem liquidity.
By holding liquid-staked assets, users can use their capital more efficiently.
You can read more about liquid staking here :
[email protected]
https://preview.redd.it/tj24d0wpn55b1.png?width=507&format=png&auto=webp&s=21ab3e00cf26e8b2ca3627ec2e2fd59d0a0e9b63

3️⃣. 𝗛𝗮𝘁𝗼𝗺 𝗠𝘂𝘀𝗵
Mush will be an isolated lending protocol that will allow whitelisted projects to create their own lending pools, separated from @HatomProtocol ones.

https://preview.redd.it/hxbnwdzwn55b1.png?width=1200&format=png&auto=webp&s=3118fbb12d3bb0399ec5c25c3980a898c426d59a
What's interesting about isolated lending pools?
🛡️ Risk Management
In shared lending pools, a single asset's value drop can impact the whole pool. In isolated pools, such a drop only affects that specific pool's participants.

🛠️ Customization
Each pool can have its own interest rates, collateral requirements, and other parameters, which can be tailored to the specific characteristics of the asset or pair of assets in the pool.

🎯 Asset Specificity
Isolated lending pools enable users to lend and borrow less liquid or volatile assets, which might be too risky for shared pools.

🔄 Greater Choice for Users
With isolated lending pools, users can choose to participate in the pools that best match their risk tolerance and investment strategy.
They can opt for pools with more stable, well-established assets, or they can choose pools with volatile assets.
@HatomProtocol will generate revenue from the set-up fees of each isolated lending protocol and from a percentage of their revenues.
A portion of the revenues generated will be transferred to the staking module and distributed to $HTM token stakers.

🅒. 𝗘𝗦𝗗𝗧
In this part of the thread, I'll be covering all types of tokens you will interact with on @HatomProtocol such as :
1️⃣. HTokens
2️⃣. Liquid Staking Tokens
3️⃣. Hatom USD
4️⃣. Synthetic Tokens
Let's dive straight into it 🤿

1️⃣. 𝗛𝗧𝗼𝗸𝗲𝗻𝘀
To put it simply, HTokens are interest-bearing tokens.
This means that these tokens are designed to accrue interest over time, with the interest rate typically correlated to the supply APY from the lending protocol.

https://preview.redd.it/ndoqs8hcr55b1.png?width=1200&format=png&auto=webp&s=0326aafb9aa429a7b5b9a1c549ddbe2ded9497c9
Users that choose to deposit their tokens into the lending protocol will receive these HTokens as a receipt.
As an example, if you want to lend $EGLD you will receive $HEGLD.
For $MEX you will receive $HMEX.
And so on.
Let's discuss some of HTokens utilities :
🛡️ 𝗖𝗼𝗹𝗹𝗮𝘁𝗲𝗿𝗮𝗹
Htokens can be used as collateral for borrowing in the lending protocol, thus providing liquidity to the user while they still earn interest on their deposits.

🌾 𝗬𝗶𝗲𝗹𝗱 𝗙𝗮𝗿𝗺𝗶𝗻𝗴 𝗮𝗻𝗱 𝗩𝗮𝘂𝗹𝘁 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀
These tokens can be utilized in yield farming strategies or in vaults that automatically employ such strategies.
This can potentially provide users with an additional layer of returns on their holdings.

🔄 𝗧𝗿𝗮𝗱𝗶𝗻𝗴 𝗮𝗻𝗱 𝗟𝗶𝗾𝘂𝗶𝗱𝗶𝘁𝘆
Htokens can be traded on established decentralized exchanges, providing users with liquidity and the opportunity to earn from trading gains.

💵 𝗦𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻 𝗠𝗶𝗻𝘁𝗶𝗻𝗴
You can also use HTokens to mint algorithmic stablecoins, such as HatomUSD ( $USH ), providing a further utility and potential source of yield for Htoken holders.

2️⃣. 𝗟𝗶𝗾𝘂𝗶𝗱 𝗦𝘁𝗮𝗸𝗶𝗻𝗴 𝗧𝗼𝗸𝗲𝗻𝘀
@HatomProtocol will bring to life more derivatives of $EGLD token.
Let's discuss them all and find out what's their role.

https://preview.redd.it/br03o6eor55b1.png?width=1200&format=png&auto=webp&s=902e247955b8edf65e21630886dd967b072b6727
➡ $𝘀𝗘𝗚𝗟𝗗
It's a reward-bearing version of $EGLD that is received when staking tokens into the liquid staking module.
The value of $sEGLD accrues interest following the liquid staking APY, which means that $sEGLD equals $EGLD plus the staking rewards accumulated.
In a concept akin to HTokens, the quantity of $sEGLD in the wallet won't increase.
However, the exchange rate will progressively rise in line with the liquid staking rewards that the position accumulates over time.

➡ $𝗛𝘀𝗘𝗚𝗟𝗗
This is the token that you will receive when providing $sEGLD to the lending protocol.
This reward-bearing version of $EGLD will not only receive the staking rewards but also the rewards from the lending protocol.
If you are looking to increase the rewards even further, $HsEGLD can be activated as collateral and earn additional rewards.
Must be noted that once it's activated as collateral, it will be sent from your wallet to @HatomProtocol and you can't use it anymore.

➡ $𝘅𝗘𝗚𝗟𝗗
Well, here is where the fun stuff begins.
$xEGLD is a leveraged liquid staking position that can earn up to 3 times more rewards than normal staking.
But how is this even possible and what are the risks?
Before I even start talking about it, it's mandatory to say that the @HatomProtocol team managed to create quite a unique concept similar to flashloans, called trusted loans.
These trusted loans offer the possibility to create or break $xEGLD without relying on a third party.
I won't get into the process behind the trusted loans as this probably needs a thread on its own.

Let's discover how $xEGLD is actually built to achieve that incredible APY 👇
Everything starts with the user depositing $EGLD to be converted into $xEGLD.
The smart contract is calculating the total position that can be built with that amount.
It then proceeds to take a trusted loan of X $EGLD and then stake it to receive $sEGLD.
The $sEGLD received will then be deposited into the lending protocol, activated as collateral and a loan will be taken against it.
The loan will then be used to pay the trusted loan of X $EGLD that was borrowed to build this position.
In essence, $xEGLD is a looped version of $sEGLD by depositing $sEGLD, taking a loan of $EGLD, staking it into a staking module, doing this over and over again.
It saves a lot of time, fees, and hassle by automating it.
All the liquid staking tokens will have their own pools on @ash_swap and can be used in other DeFi strategies to increase the yield.
You can also pass the cooldown period by selling your $sEGLD, $HsEGLD, or $xEGLD on DEXes.
Here's another way to by-pass the cooldown period :
[email protected]
https://preview.redd.it/5tkjs6z6u55b1.png?width=521&format=png&auto=webp&s=04dd4e5ae7c31a1d47607ba93ea14c87252515b4
I also talked about liquid staking tokens a few months ago.
You can find the in-depth thread about it here: 👇
[email protected]
https://preview.redd.it/mwnrsmlpv55b1.png?width=495&format=png&auto=webp&s=71ca71f341e559dd9c4623fc843262abc9096632
As you can clearly see, liquid staking tokens will open a gate to new liquidity.
The freedom to use them in other DeFi protocols to earn more yield it's absolutely mind-blowing.
Now let's move further and let's talk about Hatom USD.

3️⃣. 𝗛𝗮𝘁𝗼𝗺 𝗨𝗦𝗗 ( $𝗨𝗦𝗛 )
$USH will be the first decentralized over-collateralized stablecoin on #MultiversX.
It will be a native token minted directly on the chain with no bridge involved.
It can be minted with HTokens through isolated lending pools.

https://preview.redd.it/gcqjiy6yv55b1.png?width=1200&format=png&auto=webp&s=a96a59801edb4fff9c4dfc647e4bdf75f6c16532
The amount of $USH that you can mint and take as a borrow depends on the value of the collateral you deposited and its loan-to-value factor.
You will still earn interest on the Htokens you provided as collateral as their value accrues over time.
What utilities lie behind $USH?
🚀 𝗕𝗼𝗼𝘁𝘀𝘁𝗿𝗮𝗽 𝗟𝗣𝘀
$USH can significantly bootstrap liquidity providers on the #MultiversX ecosystem.

🏁𝗖𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝘃𝗲 𝗕𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴
It adds more competition to the stablecoin borrowing market, potentially leading to better rates and terms for borrowers.

🛡️ 𝗖𝗼𝗹𝗹𝗮𝘁𝗲𝗿𝗮𝗹
$USH can be used as collateral to borrow from the lending protocol, providing additional liquidity while earning interest.

🌾 𝗬𝗶𝗲𝗹𝗱 𝗙𝗮𝗿𝗺𝗶𝗻𝗴 𝗮𝗻𝗱 𝗩𝗮𝘂𝗹𝘁 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀
$USH can be shaped into structured products to earn more yields.
Lending protocols, farms, and vaults are the go-to places if you want to earn interest using your $USH.
$USH it's designed to be a powerful product of @HatomProtocol.
It will be minted using HTokens activated as collateral into the lending protocol.
$USH will be used in different LPs with the goal to bootstrap the liquidity across the chain.
$USH will come with some interesting features such as staking to receive $sUSH that can be used in different DeFi applications.
As with trusted loans, this is a subject that requires a thread on its own and I will have them as quickly as possible once the overview is done.
As it doesn't rely on any bridges, there are fewer risks associated with it.
The interest accrued from $USH minters will be directed to the @HatomProtocol treasury.
$USH minted by borrowers will be burned when it's sent back and the loan is paid.

4️⃣. 𝗦𝘆𝗻𝘁𝗵𝗲𝘁𝗶𝗰 𝗧𝗼𝗸𝗲𝗻𝘀
Synthetic tokens are designed to simulate the value of another asset.
They maintain a 1:1 peg with their underlying asset, offering a way for that asset to be used on blockchains where it isn't natively supported.
Synthetic tokens are designed to simulate the value of another asset.
They maintain a 1:1 peg with their underlying asset, offering a way for that asset to be used on blockchains where it isn't natively supported.

https://preview.redd.it/jcnpefq7x85b1.png?width=1200&format=png&auto=webp&s=46217ec58527e9da3b2410592b5a59c918322874
Synthetic assets are often created by locking up collateral in a smart contract.
Typically, the collateral backing synthetic assets are over-collateralized, meaning its value exceeds that of the synthetic asset.
This surplus is essential for maintaining the asset's value.
On #MultiversX, synthetic tokens are bridged through AdAstra Portal, designed with security at its forefront.
In the future, you will be able to bridge assets such as $ETH, $BTC, $DAI, and many more to #MultiversX, opening the door to other DeFi opportunities.
Why would we need synthetic assets?
🌊𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗟𝗶𝗾𝘂𝗶𝗱𝗶𝘁𝘆
They have the potential to bring greater liquidity to #MultiversX.
💰 𝗟𝗼𝘄𝗲𝗿 𝗙𝗲𝗲𝘀
With very low transaction fees, #MultiversX is the perfect place to use those assets in different strategies.

🛡️ 𝗖𝗼𝗹𝗹𝗮𝘁𝗲𝗿𝗮𝗹
They can be used as collateral to borrow from the lending protocol.
This could create some nice opportunities for people bullish on other assets than $EGLD.

It's time to conclude the first part of this thread.
I'm sure this was helpful in learning the most important modules of the protocol.
In part two we will get a glimpse into the tokenomics, team, other features, and the potential future of this project.
@HatomProtocol is without any doubt a very complex project and will act as a liquidity hub on #MultiversX.
With a sophisticated user interface, yet very simple to use, and the necessary products to gain traction, I'm sure that it will be a great success.
And once again, never rely only on the information from this thread.
Make sure you do your own research and you know why you are investing in the project.
Thanks for reading and stay tuned for part two!

Source: [email protected]
submitted by CB_scorpio to elrondnetwork [link] [comments]


2023.06.10 22:25 RevoHits US PC Chernarus "Escape The Night" PvE w/PvP Zones START WITH 100k!

~Escape The Night~ PvE w/PvP ZonesWIPED3PPHelisAI-BossesRaidingBBP100kNoobsKeycardsAirdropBunkersParty-SystemTraderBlackmarketBankingDrugsBedRespawnSpawnSelectVehicles+Guns+Loot+
IP: 51.81.221.168:7915
Join Our Discord https://discord.gg/2EQPEZ8
Server Restart Intervals Are At 5:40AM PST - 11:40AM PST - 5:40PM PST 11:40PM PST
BASE BUILDING: AT THE MOMENT TRADERS DO NOT SELL NAILS/FOOD/ARMOR, for a more survival feel we made base building a little more grindy than other servers for a better experience (MOD: BASE BUILDING PLUS), THERE IS NO BUIDLING NEAR PVP ZONES, HIDEOUTS, OR TRADERS (500m from Hideouts/Traders, 300m from PVP zones). Get your grind on and have fun with more of an immersive pvp building system. We have BasicTerritories/PVEZE Flag Zones. You need a flagpole to make a base & you need a flag fully raised on your pole to enable PvP. Since we use PVEZ the flags help in case you need to defend against a raid. The flag also helps keep all your items secure from poofing away. Sadly bases can be raided even with your flag pole lowered. So it’s recommended that you keep your flag pole raised.
ALL BASES HAVE A LIMITED AMOUNT OF VEHICLES THEY CAN POSSESS! Each base can have a max of 3 Land Vehicles & 2 Helicopters (This Is To Help Prevent Lag)
PVP ZONES/PVE: All PVP Zones contain either a military spot on the map, or Custom Keycard areas, Custom Key Cards spawn randomly around the map or in airdrops/military bases/bunkers.THERE IS ABSOULETLY NO KILLING OUTSIDE PVP ZONES, what ever damage you afflict on another Survior, that damage will come back to you, this a noob/pve setting of a server so show some respect.
KEYCARDS: There many different keycards you can get but they all are different. Some have different loot, some have mixed loot. Rare keycard rooms give 10x better loot than normal military/bm loot. There Is 2 Red/Black/Violet/Green Rooms. 1 Yellow/Blue/Med Lab/White Rooms.
Right Now The Keycards Ranging From Best To Worst Are Red, Black, Yellow, White, Violet, Green, Blue, Med Laboratory. There will probably be more in the future. Red Keycard Loaded but is suuuper rare.
(NOTE: Right now please don't fly into keycard areas. We recently added helis again and some areas are possible to fly into (AI will probably shoot them down but still we want keycards to be used to access keycard areas. ALSO When you open a keycard room it will stay open until server restart because the loot crates wont reset until after restart)
THE BUNKER: Right now there is currently 1 bunker on the server. You need a White Keycard to enter it & when you enter it turns to total darkness. You'll need a light or nvgs too see anything after entering. This place is worth checking out but be careful of possible chances of Zombies/AI. The bunker is really nice for finding blackmarket items and chances decent/guns/armoammo.
TRAVEL TRADER: We recently added a trader that can change locations and also change what they Buy/Sell! The Travel Trader Can Spawn At Any Keycard Locations (Based On When I Move Them) & Trades Rare Items Other Traders Might Not Sell Or Might Buy/Sell At A Discount!
TRADERS: Traders are all around the map and they only sell certain items there. Very high powered weapons cannot be bought a civ traders, they will most likely be purchasable at Blackmarket or not purchasable at all, you will need to scavenge your way around the map if you want to be the best, there are no handouts. Normal Civ Traders will have the essentials there to survive.
AI/BOSSES: AI spawn at all keycards/hideouts except Blue/Green Keycards. They have a chance to spawn anywhere else. There are 3 Bosses on the server. Killa, Zryachiy, the Goons. Killa spawns at Red/Black/Yellow Keycards. Zryachiy spawns at Prison Island. The Goons can spawn at Red/Black/White/Med Lab. The Goons are the rarest Bosses to run into right now while Killa and Zryachiy are about the same. Killa and Zryachiy can have guards.
submitted by RevoHits to DayZServers [link] [comments]


2023.06.10 22:25 Epickid976 PayCal+ New update and features

Hello Everyone!
I just wanted to announce that PayCal+ has received a new update with many new features. PayCal+ is a new budgeting app that focuses on weekly planning, instead of monthly, etc. Sometimes, monthly planning can be difficult, because you aren’t sure what will happen in the future. When you budget weekly, you are much more certain of what your budget will be and can, therefore, plan accordingly.
Live Activities - Live activities allow you to multitask between PayCal+ and other apps. - Sometimes, you need to reference info from other apps (banking, shopping apps, etc). With the live activity, you can quickly jump back to PayCal+ with a tap and also see relevant information.
First Batch of Widgets - New widgets have been added so you can quickly glance at the current weeks paycheck. - You can see your paycheck, overtime, expenses, extras, and total remaining right from the widget.
Themes - Personalize the app with the color you’d like. - Beautiful colors that really show your personality.
Add Emojis - Quickly add an emoji to expenses. - Allows you to visualize your expenses and see where your money is going. - Looks Great! :)
Categories for Expenses - Add a Category for each expense. - Each category is color coded, so you can visualize it quicker. - [“Soon, there will be a pie chart that will categorize all your expenses based on these colors, so stay tuned.”]
Other Functionalities Graphs - See graphs of your planned paychecks. - Weekly, Monthly, Yearly, or all Paychecks - Colors follow your theme. - See both Bar Graphs and Line Graphs.
History - See a history of all the paychecks you’ve planned. - Quickly reference them and edit them if needed. - See a summary of earned to date (Yearly, Monthly, Weekly, All) - Quickly Sort.
Extra Little Things - A floating button has been added instead of the previous individual buttons. - Visual Animations. - Onboarding Tutorial
Coming Soon: Subscription Analyzer, Widgets for each graph, Custom Expenses List to quickly add expenses, Reminders/Notifications to plan your week, Pie chart that summarizes all your expenses in the past Week Year or All Time.
I really appreciate your support and would love feedback to better this app. I’m slowly adding features and fixing little bugs here and there. I hope this helps someone as it has helped me. Thank you!
App Store Link
Also there’s currently a promo. The basic functionalities (Paycheck Planning and History) are now $2.99 (One time Payment). And the pro version is $9.99 Yearly (instead of $15.99 Yearly and $1.99 Monthly). The monthly is $1.99. So it’s over 50% Discount
submitted by Epickid976 to iOSProgramming [link] [comments]


2023.06.10 22:08 alliejsparks 26, Unemployed & Drowning in Debt

Hi Y'all...I'm seriously freaking out.
I have 10 accounts in collections (all medical bills from ambulances and hospital visits), totaling $14,000, split between two different collections agencies. I have already disputed the debts that were disputable. I get multiple calls a day from several numbers, it never ends. Even though I never answer the calls (and say nothing when I do) I just checked my credit report and ALL 10 collections list "recent activity" as of this year...even the ones several years old. I don't know how it's possible, but it resets the clock for them falling off my report, and I'm freaking out.
I also have $2470 in debt across 3 CCs:
CC 1 (Secured Card): $1500/$1500 Limit
CC 2 (Credit Union Secured Card): $500/$500 Limit
CC 3 (Store Card): $470/$450 Limit
My credit is 547
I am unemployed and actively searching for work. I don't have a car. I'm on food stamps. So I don't know when the next time will be that I'll be able to make any credit card payments or debt payments.
Here are my basic living expenses:
Rent + Utilities $850 (Sharing a cramped apartment near skid row to save $$)
Health Insurance $37
Dental $18
Prescriptions $10
Storage Unit $260 — I'm overdue on this as well. Priority #1 is to pay off this before my stuff gets taken, then take everything out of it and find another place for it/sell anything I truly don't need.

Do I get a Debt Consolidation Loan from my credit union to pay of all my CC debt? Do I file for bankruptcy to get rid of all the medical debt? I've been trying to make money every and any legal way that I can, and I'm exhausted and scared that I've dug a hole too deep to get out of.
submitted by alliejsparks to povertyfinance [link] [comments]


2023.06.10 22:05 AutoModerator [Genkicourses.site] ✔️Rob Lennon – Zero to 10k Twitter Accelerator ✔️ Full Course Download

[Genkicourses.site] ✔️Rob Lennon – Zero to 10k Twitter Accelerator ✔️ Full Course Download
➡️https://www.genkicourses.site/product/rob-lennon-zero-to-10k-twitter-accelerato⬅️
Get the course here: [Genkicourses.site] ✔️Rob Lennon – Zero to 10k Twitter Accelerator ✔️ Full Course Download
https://preview.redd.it/i6xm6wu51x4b1.jpg?width=510&format=pjpg&auto=webp&s=13f3c52181dee02688b3cafde2b04c37cab9e6a5

Courses proof (screenshots for example, or 1 free sample video from the course) are available upon demand, simply Contact us here
Zero to 10k Twitter Accelerator – Rob Lennon will teach you to play the hidden game behind the fastest growth on the social networks where business professionals thrive. What you get inside Zero to 10k Twitter Accelerator:
The same tactics I used to hit 30,000 followers in 100 days (but better)
I’ll teach you the strategy I used to become a hypergrowth account with an authentic brand. Plus, all the new insights I’ve learned since.
A step-by-step roadmap for how to play the “game”
Both Twitter and LinkedIn have two algorithms: the computer one and the human one. Understand the crowd and computer dynamics and how to use them to your advantage.
A community of growth-focused accounts to join with
Network and execute positive-sum strategies with feedback from a self-selecting group of growth-focused accounts.
Writing systems to max your productivity
I’ve tested different systems and worked out a version that works for me. I’ll share how I balance using repeatable frameworks with keeping ideas original and fresh.
Tons of live feedback
The basics are easy enough, but executing well still requires a lot of nuance. This course has lots of live feedback and Q&A to make sure your questions are answered.
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2023.06.10 21:57 AutoModerator [Genkicourses.site] ✔️Dan Koe – Digital Economics Masters Degree ✔️ Full Course Download

[Genkicourses.site] ✔️Dan Koe – Digital Economics Masters Degree ✔️ Full Course Download
➡️https://www.genkicourses.site/product/dan-koe-digital-economics-masters-degree/⬅️
Get the course here: [Genkicourses.site] ✔️Dan Koe – Digital Economics Masters Degree ✔️ Full Course Download
https://preview.redd.it/ab8hk3ydax4b1.jpg?width=1000&format=pjpg&auto=webp&s=d1e3bf79694f9d830d76c55e609ff2f25ce48ada

Courses proof (screenshots for example, or 1 free sample video from the course) are available upon demand, simply Contact us here

Download Full Course – Instant Delivery

What You Get

Phase 0) Digital Economics 101

The Digital Economics 101 module will open 1 week prior to the cohort start date.This is an onboarding module that will get you up to speed so we can get straight into the material.This will be required to finish before the start date.
  • Gain a deep understanding of all of the pieces in the digital economy.
  • Learn about the future of media and code — the front-end and backend of the internet — so you can focus your efforts.
  • Understand digital leverage, distribution, no-code tools, and digital assets so you can take part in the mental & financial wealth transfer.

Phase 1) Creating A Meaningful Niche

Every day I hear people going on and on about trying to find their niche.I also hear people talking about how they don’t know how to combine what they love talking about with what will sell.You already have the answer. You just don’t have the clarity.
  • Develop a long-term strategy to create your own niche — meaning you don’t have to worry about your “competition” playing status games.
  • Discover your life’s work, curiosities, and obsessions. I see too many people that are uncertain about this for years.
  • Cultivate and turn your vision, goals, and values into a brand that attracts an audience you love interacting with (and that will buy from you, and only you).

Phase 2) Content Strategy

There is one thing that separates those who make it in the digital economy and those who don’t.It’s the quality, articulation, and perceived originality of their content.The content you post has to make sense to the people you attract.Everyone has a different voice and tone that they resonate with. That they are congruent with and trust.It has to change their thought patterns or behavior — that’s what makes you memorable.That’s what separates you from the sea of people posting surface-level copy-cat style posts.Example and putting my money where my mouth is:
  • Become an expert-level speaker or writer on the topics you care about.
  • Never run out of content ideas for your posts or promotions (without using content templates — that’s how you stay a commodity).
  • Create posts, blogs, tweets, images, and videos that resonate with other’s on a deep level. People will actually ask you how you got so good at what you do.
  • Separate yourself from the ocean of B-tier creators that struggle to sell their products, services, andhave their ideas stick in the head of their audience.
  • Implement our Epistemic Research Method — which is just a fancy way of saying scientific research method… but it’s for researching your mind to craft brilliant content and product ideas.

Phase 3) Crafting Your Offer

Most people are sitting on a goldmine of skills, experience, and knowledge (that they can use to help people 1-2 steps behind them).That is what people pay for.Considering 95% of the market are beginners… if you are good at something, you can help them get to your level (no matter how “basic” you think the information is).Do you not watch basic content all day anyway? People don’t want new information, they want to be reminded of what works.
  • Use our Minimum Viable Offer strategy to start monetizing immediately (and have something to improve over time, rather than procrastinating until it’s perfect).
  • Have a strategy for reducing the time you spend working over time (as you build leverage and improve your offer).
  • Know how to create your own customers from the audience you are building, instead of “finding” the right customer for your offer.
  • Take the guesswork out of building coaching, consulting, or digital product offers.

Phase 4) Marketing Strategy

You aren’t making money because you aren’t promoting yourself or your offer.That is literally the only way to make money. Have something desirable and consistently put it in front of peoples’ faces.In Phase 4, I will show you how to systemize, automate, and be consistent with simple promotions.You will be able to make money without having the chance of forgetting to do it (or letting fear of failure get in the way).
  • Learn to sell on social media, in your writing, and across different platforms.
  • Have consistent sales coming in while focusing on your meaningful message (no need to sound salesy all the time).
  • Learn advanced automation strategies that you can implement at your own pace, especially once you validate your offer.

Bonus) The Creator Command Center

The Creator Command Center is a Notion template that houses all of the systems.This is how you will manage your brand, content, offer creation, marketing strategy, and systemized promotions for consistent sales.

Bonus) Live Product Build & Launch

In the first Digital Economics Cohort, I built out my course The 2 Hour Writer.I have videos showing how I build it with the strategies in phase 3 and 4.There is a bonus module that shows how I had an $85,000 launch that resulted in my first $100K month.I did this to prove the strategies inside Digital Economics work if you stick to the plan.And, this past Black Friday, I blew my that monthly high out of the water in 4 days.That’s the power of these strategies if you stay consistent with your life’s work.
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2023.06.10 21:52 AutoModerator [Genkicourses.site] [Get] RY Schwartz – Coaching The Conversion CTC Circle (10/2022) - Full Course Download

[Genkicourses.site] [Get] RY Schwartz – Coaching The Conversion CTC Circle (10/2022) - Full Course Download
➡️ https://www.genkicourses.site/product/ry-schwartz-coaching-the-conversion-ctc-circle-10-2022/⬅️
Get the course here: [Genkicourses.site] [Get] RY Schwartz – Coaching The Conversion CTC Circle (10/2022) - Full Course Download

What You Get:

Program #1

CTC Launches

(to master your launch and funnel sequences)
10X Launches is the first copywriting program fully engineered to speed up the execution and amplify your results of your emails no matter what kind of funnel or launch strategy you’re rolling out.
It’s built not only for best-in-class launch copywriters…
But for coaches, consultants, course creators, and ANYONE who stands to benefit from nailing down their launch and funnel copy faster and with more genuine impact.
IN THIS TOP-SELLING PROGRAM, YOU’LL GET ACCESS TO:

2 “Core” Modules

That will initiate you into the “Coaching The Conversion™ method, and how to leverage a new, more empowering definition of “direct response” that opens up the floodgates to greater intimacy, empathy, and conversions.

5 “Launch” Modules

breaking down every single phase of your launch or funnel in full detail (including some you didn’t even know existed). You’ll learn exactly what’s at play during the Segmentation & Confirmation, Pre-Launch, Launch, Sales and Closing phases of your funnel and how to quickly craft the messaging that coaches your prospect into the final conversion in a powerful, non-sleazy way.

25+ Email Templates

None of that BS “plug’n’play” or “swipe and deploy” stuff that shoehorns your message into lifeless boxes that robs it of all life and power.
Instead, you’ll get FULL breakdowns and walkthroughs of the go-to templates I turn to over-and-over again in 6 and 7-figure launch campaigns.
Meaning, you get to craft your OWN high-converting launch emails in about 25 minutes flat and fire them into ConvertKit, ActiveCampaign (or wtv you’re using) while your coffee’s still hot.

Program #2

CTC Sales Pages

(to master your long form sales page)
This is it.
It’s where the best paid copywriters, coaches and course marketers on the planet earn their keep.
It’s where the conversion either happens or it doesn’t. In cold hard numbers that don’t care how many Clif bars you stress-ate in the process.
It’s where the most admired online business owners transform interest, desire, and engagement and into what you actually want: Sales.
So what is “it”?
It’s your long-form sales page.
And the truth is… most copywriters and marketers avoid long-form sales pages like the plague… treating it like a close-talking lepper with coffee breath… instead of the 24/7 salesperson your sales page – that final step in your marketing funnel – should be.
So why do marketers (and even pro-level copywriters) avoid sales pages?
Because writing a long-form sales page is intimidating AF.
It’s the Night King of the Whitewalker army.
It’s the Beef Wellington on Hell’s Kitchen.
It’s the Lord Voldemort of your marketing funnel – aka the funnel asset that shall not be named.
A long-form sales page is where you’ll spend dozens of hours writing THOUSANDS of words that will either confirm your claim as a top player in your space…
Or will tell you with Gordon-Ramsay-esque candor that your marketing wasn’t as good as your business coach told you it was.
There’s real pressure in that.
But there’s even real-er payoff in being able to do it faster – and more profitably – than anyone else in your industry. A payoff that even affords you the right to make up words like real-er
Confronting, yep? Conquerable. Absolutely.
In CTC Sales Pages, you’ll go through the exact process I’ve used to write over twenty 6 and 7-figure sales pages for the likes of Amy Porterfield, Copyhackers, and many more.

Program #3 & #4

Six Figure Emails & Seven Figure Emails

(for even more email conversion badassery)
Welcome to the “Johnnie Walker Blue” of our email template series.
This is the premium blend for more advanced marketing palates.
All pulled straight from my highest-performing launches for industry titans like Amy Porterfield, Todd Herman, Traffic & Funnels, and Copyhackers.
What you’re getting are 13 advanced email templates that you can use in a pinch when you need to write a standalone sales email, a webinar invitation, a post-webinar replay, downsell, or flash sale.
To be clear, these aren’t those sketchy and lifeless “swipe and deploy” templates you may have seen swimming around the shadier parts of the online marketing cesspool.
These are loose, flexible templates that guide you through deep-dive masterclasses teaching you the advanced psychology behind each one.
Meaning, you actually understand WHY they work, and are fully empowered to engineer them to best serve your audience.

Program #5

Minimum Viable Launch 2.0

(to quickly rock profitable and lean email launches)
We’ve taken the single most impactful part of 10x Launches; the part that countless students have credited with producing game-changing ROI in record time…
And given it a fresh-for-2022 facelift.
Not only will you be getting access to a stack of NEW templates that we’ve added to the stack based on repeated tests and real-world results.
But we’ll be offering you the one-click automation uploads to bring the whole sequence straight into your ActiveCampaign to save you and your team about 5+ hours of heavy-duty integration time.

Program #6

Application Funnel Amplifiers

(for creating powerful pre-call enrollment experiences)
Fact: The enrollment experience begins the moment your prospect books a call.
If you mail it in for those 12-72 hours between when they book the call — and show up to it, you’re missing a golden opportunity to begin coaching the necessary transformations.
In this brand new program, you’ll learn how we to consciously engineering your entire application experience to pre-empt objections, create magnetism, and stack the odds in favor of having a successful enrollment conversation
You’ll get practical answers to:
  • When you should be transparent about your pricing BEFORE a sales call
  • How to strategically structure your application questions in a way that actually coaches your pre-customer into your program (yes, the questions are copy)
  • What to put on your booking confirmation page to create incredible momentum and a “point of no return” into your program
  • What tools and systems we use to create a seamless application and booking experience

Program #7

Next-Level Automation & Optimization Stack

(upcoming and ongoing automation tutorials)
As the CTC Membership evolves, our resident Wizard, Philip Powis will be actively adding a library of importable one-click automations (into ActiveCampaign), leveraged software playbooks, and a running list of the most advanced (and cost effective) tools and systems that he recommends for fast-scaling course and coaching businesses.

Courses proof (screenshots for example, or 1 free sample video from the course) are available upon demand, simply Contact us here
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2023.06.10 21:50 AutoModerator [Genkicourses.site] ✔️Dan Pye – The Period Time Publishing Program ✔️ Full Course Download

[Genkicourses.site] ✔️Dan Pye – The Period Time Publishing Program ✔️ Full Course Download
➡️https://www.genkicourses.site/product/dan-pye-the-period-time-publishing-program/⬅️
Get the course here: [Genkicourses.site] ✔️Dan Pye – The Period Time Publishing Program ✔️ Full Course Download
https://preview.redd.it/dkkau6unzw4b1.jpg?width=510&format=pjpg&auto=webp&s=6a37575283185170e202674373a58868b1740b11

Courses proof (screenshots for example, or 1 free sample video from the course) are available upon demand, simply Contact us here

The Period Time Publishing Program – Claim Your Seat in the #1 Daily Coaching Program for Publishing Successful Public Domain Books Online This is what you will get inside The Period Time Publishing Program? When you join Period Time Publishing, you will get complete immediate access to all modules: Module 1: Hacks to stay productive under stress
Module Overview Lesson 1: Understanding and mastering your brain Lesson 2: Building a Strong Mindset to Play the Long Game Lesson 3: Operating on an Effectiveness Scale Lesson 4: Social Media is Your Enemy Lesson 5: Using the Pomodoro Technique to Get it Done Lesson 6: The Power of a Good Night’s Sleep Lesson 7: Understanding Business Specifics and Why KDP Lesson 8: Setting Expectations for Prolonged Success Let’s Go Full Course Overview
Module 2: KDP Account Set Up and Success Optimisation
Module Overview Lesson 1: Creating a KDP Account Fast Lesson 2: Setting up Your Tax the Right Way. Lesson 3: Linking Your Bank Account So You Get Paid Lesson 4: KDP Dashboard Overview & Support
Module 3: Internal Content Production Secrets
Module Overview Lesson 1: Laying the foundation for your business Lesson 2: Downloading & editing Your Book Fast Like A Pro Lesson 3: Optimizing your browser for publishing, tools, and data analysis Lesson 4: Quality vs Quantity the Importance
Module 4: Uploading & Proofing to KDP Like a Pro
Lesson 1: Meta Data research and KDP rules Lesson 2: Publishing, backend settings, covers & pricing Lesson 3: Getting your books into the right categories Lesson 4: Setting Progress Expectations BONUS Lesson 5: The 13 Amazon Markets Plus targeting specific marketplaces BONUS Lesson 6: Tackling the Kindle Market BONUS Lesson 7: Metadata with Publisher Rocket
Support and Updates
IMPORTANT: KDP Permanent Cashflow Program Support Not Logged In Issue – Resolved Partnership Referral Program Amazon Licensing Requests Fixed – [376] [iv] Manuscript Formatting Issue How to remove all images fast How to place all chapter headings on a new page Dealing with multi lined headings Formatting Headings in your Manuscript Fix manuscript text displaying vertical down the page What to do after the top 100 books are published
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2023.06.10 21:45 athenasage What do people mean by "show all sides first" in CASPer?

For example, #1 in the top commenter's suggestion. Do they basically mean restating the situation and different sides before sharing which side you are taking, why, and that even then you understand the other perspective(s)?
I ask because that seems to take up unnecessary time if it really is just restating the different perspectives (vs skipping that and just answer #2 and #3)
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2023.06.10 21:44 reader-1989 The Themes of Stormlight, and predicting book 5

I posted a very condensed version of this theory as a response to another post. It got a lot of upvotes. I write long form theories for my own amusement and don't really post them, but given the upvotes, I thought people might be interested in this.
Be warned, it's a long post.
This post will have all spoilers, including for Mistborn. It will also be discussing details of the preview chapters from SA5, as well as comments Brandon has made in WoBs and his podcast. If you are avoiding previews, read no further.
The Theme of the Stormlight Archive
One of the major, if not the main, themes of the Stormlight Archive is the nature and limits of moral responsibility. Our different characters are each exploring this theme in different ways. Kaladin is learning that leadership does not mean you have to take responsibility for everything. Dalinar is learning the opposite lesson, that having to make tough decisions is no excuse for giving up responsibility. Navani and Rabonial’s discussions touch on how responsible we we are for the actions of our ancestors. Shallan, ever the weird one, is exploring if “I” can be responsible for the actions of “us”.
I want to discuss this facet of the series with three characters and do some mild speculation on what this likely means for what’s in store for them for the end of the front-half.
Szeth - I was only following orders
Szeth’s solution to the problem of responsibility is to place it outside of himself. As we can see from the Szeth flashback preview, this has been an urge of his since childhood.
“Depends?” Szeth said, stepping up beside him, half-hiding behind his father’s bulky form as he peered down at the new stone. “Depends on what? We just do what is right, don’t we?
Szeth has an almost allergic reaction to the idea that morality could be dependent on circumstances. He wants to do “what is right” and he doesn’t want there to be any nuance in this. Later in the same flashback:
““Can’t you just… tell me what to do?” Szeth asked.”
His father refuses, and Szeth resents having to take responsibility for the moral decision making. This is clearly a deep seated personality trait of Szeth’s, more than just his religious and cultural upbringing in Shinovar (because his parents don’t share his moral absolutism).
We know in adulthood, following being made Truthless, Szeth must follow the orders exactly of whoever holds his Oathstone. He hates what he is forced to do, thinking it will damn him, but he never wavers from this, he will never assert his own moral judgement over the “taking orders” approach. Part of the reason for his reaction at the end of WoR is the realisation that he was never Truthless at all, that he had been right about the return of the Radiants. This nearly breaks him. The clear parallel is to the people of Uvara in Hoid’s tale of the Wandersail.
Later, Nale inducts Szeth into the Skybreakers, recognising his preternatural ability to follow an external code. By the end of Oathbringer, Szeth is beginning to assert his own morality. He doesn’t trust himself to make decisions himself, but he is at least willing to decide what moral code he will follow, or specifically who he is willing to follow, namely Dalinar.
We know that Szeth and Dalinar’s books could have been reversed, with Szeth being book three and Dalinar’s being Book 5. Their journeys are both about taking moral responsibility for their actions. So it’s easy to see how these could have been switched.
Szeth has had a death wish for some time now, so that he can stop sinning. He has not been able to kill himself, as this is also against his external rules. My prediction would be that Szeth finally takes on a moral choice of his own which will lead to his death. A self-sacrifice, perhaps to save Kaladin or Dalinar. I’d expect this to be a reasonably triumphant moment and that he will be able to move on in peace.
There’s a nice structural neatness to this, the front five begin with Szeth’s assassination of Gavilar. Thematically and structurally, the end of the first sequence should end with Szeth reaching the end of his journey and taking full responsibility for his moral decision making and finally “adding” instead of “subtracting”.
Dalinar - Look, I’ve said sorry, let’s move on
Oathbringer is a brutal book. We see one of our favourite characters brought low, not just in his own estimation, but in ours as readers as well. Kaladin’s experience in RoW was tough, but we the reader never thought less of him because of it. Dalinar on the other hand, we learn about his past, and it isn’t pretty. The man is vicious, brutal, rage filled and just a generally unpleasant guy to be around. This is jarring after the man we have experienced in WoK and WoR. He is, unequivocally, a war criminal.
The book ends with Dalinar taking responsibility for his past actions, and vowing to be a better man going forward. It’s a moment of triumph, he achieves the third ideal, he’s literally surrounded by gloryspren and he leads a team of Radiants in defending a city. He then writes a book revealing his actions and confesses his sins to the whole world.
And instead of being sent off into exile to atone for his sins, he’s allowed to remain King of Urithiru, put in charge of coalition forces and by the time of RoW is being thought of by former Ardent Godeke as some cross between a Herald, a Prophet and a God.
Something feels off about this. There are still arguments on this and other forums about if Dalinar has faced any real accountability for his crimes. What it certainly doesn’t feel like is the end of his journey. We know Book 5 could have been his book, so I would expect to see some significant Dalinar development during SA5.
In an episode of his podcast Intentionally Blank, Brandon talks about his view of the Grimdark genre. He considers it to be an intensely moral form of storytelling. His basic definition of Grimdark is that in this setting, doing the morally right thing will be costly. It will lead to negative outcomes for you. Brandon goes on to say that this is his view of morality, doing the right thing is costly to you. He gives the example of if you could be sure you would get away with a theft, and choose not to do this, then you have lost out on having the thing you wanted to steal, it has been costly for you. He admits this is slightly simplistic, but that it is his basic view of morality. Whether you agree with him is sort of irrelevant, he believes this. We should expect to see that reflected in his work to some extent.
Well what has doing the right thing cost Dalinar? Not much as far as I can see. It was emotionally difficult for him at the time certainly, but he doesn’t seem very traumatised in RoW, quite the opposite, he seems the healthiest he has been in a while. Yes his relationship with Adolin is strained, but not as much as one might expect between a son and father when a father admits being responsible for the death of the son’s mother.
I expect Dalinar’s journey is not coming to an end in Book 5. Whether he dies and becomes a fused. Wins and must preside over the reconstruction of Roshar or some other outcome we haven’t seen yet, Dalinar is not anywhere close to being done.
Dalinar and Taravangian are set up as the philosophical opposites of each other. Taravangian is the pure “ends justify the means” approach, and Dalinar is the pure “journey before destination” approach. Both agree that the burdens of leadership require one to have to make awful decisions. Taravangian believes that the role of a ruler is to take the sin upon himself so that one’s people can be free of it. It’s an oddly Christ-like perspective, taking all the sins of mankind upon himself in order to save them all. Dalinar believes the opposite, that a ruler can be moral, that the burdens of leadership need not stain one’s soul and that every person is responsible for their actions no matter their position or circumstances.
The interesting thing about these beliefs is that they are incredibly simplistic. They represent extreme ends of the spectrum and we can all think of counter arguments to each of them. Dalinar himself recognises this, in RoW he is frustrated with himself after a conversation with Taravangian because he was presenting only the most dogmatic version of his beliefs, and that of course there’s nuance.
There is a lot of speculation about the contest of champions, what form it will take and who will win. I have no idea. But what I do predict will happen is that whatever the outcome, Danlinar’s beliefs are going to be sorely tested. He is going to have to suffer and sacrifice and his journey is not coming to an end. Dalinar is one of Brandon’s oldest characters, and he’s named his son after him. He is important to Brandon in a way that most of his other characters aren’t. I don’t think he’s going to become evil but I also don’t think he’s reached the point of apotheosis. I do not think Brandon is done with him yet.
Kaladin - I’m way too important to be happy
In contrast to Dalinar, I got to the end of RoW and I felt like Kaladin’s journey was complete. I genuinely had no idea where we could go with this character. Yes he hasn’t sworn the Fifth Ideal yet, but in terms of his growth as a character, there’s not a lot of room left. Brandon has indicated as much in his post-RoW Q&As:
“This might be a slight spoiler for the next book, but I can tell you Kaladin has now turned the corner, I would say. You should be expecting from now on: Kaladin's still gonna have dark days, Kaladin has depression. But he turned a major corner in this book, and I'm very proud of him.”
And we can see this is the case in our preview chapter.
“Kaladin felt good. Not great. Not after spending weeks hiding in an occupied city, forced to stretch himself both physically and emotionally far beyond the reasonable limit. Not after what had happened to Teft. No, Kaladin didn't feel great. But he stood in the sunlight, looking out the window of his room. He thought that maybe he would someday feel great again. Knowing that, being able to recognize it, was enough.”
Now in other books, if we’d read a paragraph like this, we would all be terrified of the absolute horror show that was about to be visited upon Kaladin. Maybe many readers will still have this reaction. I know many think he’s going to have to sacrifice himself at the end of SA5, or that he will become a Herald and be tortured for all eternity. That he is the spear that will not break, and so he’d make a perfect replacement for Taln.
Maybe that’s right, but it feels thematically off to me. Kaladin’s big breakthrough at the end of RoW is that he is not responsible for every bad thing that happens, and he doesn’t need to be punished for it, so he can stop punishing himself. If he ends Book 5 taking on the big sacrificial lamb role, that feels like a backwards step for him.
Then there is this very intriguing exchange between Kalandin and Hesina in the preview chapter.
“I could have guessed," Syl said, "he would be tyrannical as a child."
"Not tyrannical," Hesina said. "He merely liked things to be the way that they should be. As he saw them. Children often are like that, Syl, accepting only one answer to any question because nuance is difficult and confusing."
"Yeah," Kaladin said, scraping the last of the lavis from his bowl. "Children. That's a worldview that obviously only strikes children, never the rest of us."
His mother gave him a side hug, one arm around his shoulders. The kind that seemed to grudgingly admit that he wasn't a little boy anymore. "Do you sometimes wish," she asked him, "the world were a simpler place? That easy answers of a child were, in truth, the actual answers?"
"Not anymore," he said. "'Cause I think the easier answers would condemn me. Most everyone, actually." That made his mother beam, for some reason, even though it was a simple thing to say.”
It was those three lines in bold that inspired me to write this post, they solidified a lot of my thoughts about the themes of the series. Brandon has been telling us for a while that any definitive answer to the questions of morality is necessarily incomplete. Human beings are too flawed to create a moral system which can be applied to any set of circumstances. It is my view that the “easy answers of a child” are all the various absolutist versions of morality that Brandon is having his characters explore. Kalandin, the one who is furthest in his journey, recognises this. That “nuance is difficult and confusing” but without it we condemn ourselves.
So what does this mean for the end of Kaladin’s journey? The first thing is I think Brandon is done torturing Kaladin. He’s going to have a much easier time of it in Book 5. I suspect his function in the main part of the narrative will be helping Szeth reach the point I’ve predicted for him above. But I do think this is the end of Kaladin’s journey and we will be seeing much less of him from now on. That’s not to say he will die, but he does not have much more growth to do as a character and therefore he’s going to be far less interesting.
The fact that Kaladin has reached the point where he can recognise the flaws in absolutist morality may mean he might be able to bear the Shard of Honour without going mad. Tanavast seems to have been torn apart by his conflicting oaths, leading to his madness and eventual death. I’m unsure if the Shard even can be reformed at this stage, but my tentative prediction is that it will be Kaladin, not Dalinar who is able to do this, if anyone can.
Conclusion - Journey and Destination
Brandon doesn’t really write endings where evil wins. We don’t have an example of the Empire Strikes Back in the Cosmere yet. What he specialises in is the “qualified victory”. Era 1 Mistborn is this on repeat, “we beat the Lord Ruler, but something worse might be waiting behind the curtain”, “we saved the city and Elend survived, but we unleashed Ruin upon the world, oh and most of the crew are dead”, “we saved the world, but Vin and Elend are dead”.
So what would a qualified victory be for the first half of SA5? The end of the war, but the loss of Dalinar? The reforging of Honour, but Kaladin leaving this mortal coil to take it up? Redemption for Szeth, but his death in the process?
SA5 is going to be a big book, and there are way more journeys to reach their destination than just these three. Shallan is nowhere near finishing her journey. Adolin doubtless has much more to do. Navani is going to be the mother of the space age and Venli is going to gain freedom for the Listeners.
The speculations above are entirely thematic. They don’t consider the mechanics of how any of it will happen. Brandon is known for subverting his own magic systems in a satisfying way, so even if I am right about where the stories are going thematically, it is still going to be a shocking and rollercoaster ride to actually get there. We might be able to see where we are going to end up, but as always, Journey before Destination.
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2023.06.10 21:44 MatthewEM203 "How Do I Learn" Response - EM203

I am writing this post to share my thoughts on connectivism, a learning theory that I believe greatly aligns with the pedagogical methods displayed in EM203 “Learn 280 Characters of Less”. I ask anyone who has the opportunity to read this post, to reflect on their own learning experiences and how they have potentially changed over time. If you may wish to do so, please leave a comment with any thoughts, critiques, or just general information you have pertaining to learning theory as I always welcome active discussion and new ideas.
What is connectivism?
Connectivism is a theory first introduced to the world in 2005 by George Siemens and Stephen Downes, two theorists who believed that technology and the digital landscape are integral to the learning process. Connectivism is based on the key idea that new forms of knowledge are a result of a collection of relationships or “links” between “nodes” that make up a network. A “node” in this network refers to any object such as a book, webpage or person that can be connected to another node. Learning, therefore, consists of the student’s ability to develop and navigate these networks of information to achieve the desired results.
According to Siemens, there are 8 principles of connectivism:
  1. Learning and knowledge rests in the diversity of opinions.
  2. Learning is a process of connecting.
  3. Learning may reside in non-human appliances.
  4. Learning is more critical than knowing.
  5. Nurturing and maintaining connections are needed for continual learning.
  6. The ability to see connections between fields, ideas, and concepts is a core skill.
  7. Accurate, up-to-date knowledge is the aim of all connectivist learning.
  8. Decision-making is a learning process. What we know today might change tomorrow. While there’s a right answer now, it might be wrong tomorrow due to the constantly changing information climate.
How does connectivism differ from constructivism?
The biggest difference between the two learning styles is the significance a connectivist viewpoint places on how the internet has altered the nature of knowledge. Under a constructivist stance, knowledge is constructed by relating new information to past experiences and is an active process that humans undertake to learn. Connectivists on the other hand believe that knowledge is neither created nor controlled but is instead constantly shifting and adapting to changes in the information network. As nodes come and go, links form and disappear knowledge is changing in real-time. The internet provides a way for this knowledge to flow, adapt and be traversed.
How can online courses demonstrate a connectivist approach?
There are many methods an online course can adopt to align with the connectivism learning theory. Here are a few examples:
· Social Media
· Gamification
· Simulations
The adoption of technology that has been present in online classrooms provides a great foundation for continuing to utilize a connectivism standpoint to learning. This allows the online class to reap the benefits of connectivism such as encouraging collaboration through the sharing of differing opinions, empowering teachers, and students by allowing teachers to tailor and shape the learning environments and embracing diversity by creating a space where kids can communicate their individual opinions.
Connectivism and EM203:
Since the beginning of this course, technology has been a major focal point and has been used effectively to facilitate and aid the learning experience. The first example of this is the creation of our Twitter accounts which has allowed me to connect easily with our classmates and hear their opinions on course content. The second example is our utilization of the MyLearningSpace platform to not only encourage online discussion but, is an effective way to deliver course material in text, image, and video format. Before I began working on this assignment, I had the opportunity to sit down and have an online synchronous chat with a few classmates. It was great to hear everyone’s opinions on how technology has greatly altered the course of learning theories in the classroom and provided a great foundation for gathering information about connectivism.
What is Reddit?
Reddit is an online social news site that allows users to create accounts, join communities, post content, comment on others’ posts and vote through upvotes and downvotes. Created in 2005, the site is now host to 57 million+ unique daily visitors, 100 thousand+ active communities and over 13 billion posts and comments on pretty much any topic you can think of. Reddit can be easily accessed from any laptop, desktop, or smartphone all that is needed is an internet connection.
Why I choose Reddit to demonstrate connectivism:
Reddit, like Twitter and other social news platforms, connects users from around the world with each other in real time. New posts and comments are being made every second of every day. This means that users are connected to a network of information that is constantly updating and adapting so that the most accurate and updated information is available. I believe a quick comparison of Reddit’s features with Siemens’s 8 principles of connectivism will highlight part of why I choose Reddit as my medium of communication.
8 Principles of Connectivism Reddit
Learning and knowledge rests in the diversity of opinions. Redditors/ users are from all around the world meaning there is an excess of diverse viewpoints.
Learning is a process of connecting. Reddit facilitates online discussion allowing users to make connections about any topic.
Learning may reside in non-human appliances. Reddit’s abundance of communities forms an information network that can be easily accessed.
Learning is more critical than knowing. Reddit makes it incredibly easy to find what is unknown and make it known through its search feature.
Nurturing and maintaining connections are needed for continual learning. Reddit’s community feature allows you to stay connected to others even if they live thousands of kilometres away.
The ability to see connections between fields, ideas, and concepts is a core skill. Through the active discussion that takes place in comment sections, connections can be better understood and identified.
Accurate, up-to-date knowledge is the aim of all connectivist learning. Reddit is constantly being updated with new posts every second and can be sorted by hot topics, new posts or most upvoted.
Decision-making is a learning process. What we know today might change tomorrow. While there’s a right answer now, it might be wrong tomorrow due to the constantly changing information climate. Reddit helps facilitate this ever-changing landscape of knowledge as people are constantly sharing new ideas, critiquing old beliefs, and working together to learn and make decisions that align with current information.

I have used Reddit for everything from in-class learning assistance to helping in my day-to-day life. I, like many others, find that I can much more easily grasp more complex subjects by having a conversation and connecting with those more knowledgeable about a subject than myself. Reddit creates an environment where this is incredibly easy to do so, and I believe it does it significantly better than many alternatives. Online classes such as this one, provide an immense amount of freedom to students and puts the onus of learning on ourselves instead of the teacher. Teachers are here to provide the initial learning environment. In the case of EM203, it comes in the form of weekly lessons that become available along with discussion topics. It then requires the student to connect to networks in hopes that learning will occur automatically. Reddit, to me, is a great network in which I can use this freedom I’ve been granted to really dive deep into the topics that interest me and align with the course goals. In lesson 3 of module 1, we were asked to learn a new skill. The first place I went on my quest to learn this skill was Reddit. There I found a plethora of videos, links, and personal opinions on the topic. In my case, I choose to learn how to complete sudoku puzzles. The most helpful was a post from an avid sudoku fan who gave a rundown on the best strategies when you first begin the puzzle. Things like what you should look for and what are some examples of common patterns.
Reddit has been an incredibly valuable resource that aligns with my learning style and is consistent with what I believe the direction learning theory is taking classrooms in. Thank you for reading, if you have enjoyed this post please upvote so that it may reach a wider audience who may also wish to contribute to this discussion.
Sources Cited
Bates, A.W. (Tony). “2.6 Connectivism.” Teaching in a Digital Age, 5 Apr. 2015, opentextbc.ca/teachinginadigitalage/chapte3-6-connectivism/.
Brown, Gene. “The Difference Between Connectivism and Constructivism.” Difference Between Similar Terms and Objects, 29 Sept. 2021, www.differencebetween.net/miscellaneous/the-difference-between-connectivism-and-constructivism/.
“Connectivism Learning Theory.” Western Governors University, 27 May 2021, www.wgu.edu/blog/connectivism-learning-theory2105.html#close.
“What Is Connectivism Learning Theory and How Can You Apply It in Learning and Development?” 360Learning, 360learning.com/guide/learning-theories/connectivism-learning-theory/. Accessed 10 June 2023.
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