10-30 08:43 - 'Hi I've been trading Binary Options for about 6 years now I have come across alot of negative press, but the simple thing is that people think that strategy works and using robot systems, Let me tell you it DOES NOT WO...' by /u/Krisnguyen3179 removed from /r/Bitcoin within 481-491min
''' Hi I've been trading Binary Options for about 6 years now I have come across alot of negative press, but the simple thing is that people think that strategy works and using robot systems, Let me tell you it DOES NOT WORK, you trade binary purely on fundamentals the news that comes out and having a proper risk management system in place, as the entry point is key, you also have to be careful of what brokers you use as there are 2 types market makers and STP. I am making around £50,000+ per month consistently using simple and easy steps, if you would like to know how,and proofs of how it works Kindly contact me and get my strategy for free.. Whatsapp or Text me at +1 (323) 618-1912 ''' Context Link Go1dfish undelete link unreddit undelete link Author: Krisnguyen3179
I am not a top-100 player, as given the inevitable RNG of effects, matchups and draws in card games, and the lack of rewards for ranking up in LoR, I simply don't see the point in painstakingly grinding up to such a level. The highest I've climbed is low Diamond, but considering the above knowledge, I believe that at a certain skill level (perhaps at around Platinum), it's more about how much time one can put in than how skilled they are. HOWEVER, considering all this, I have the absolute conviction that this deck is a top-100 worthy deck.
This is the only deck that I've played since Day 1 of Call of the Mountain, with various modifications, and I believe that it is a completely undiscovered meta unicorn. I've never faced a similar deck on ladder, and my deckbuilding experiments with any other archtypes have left me completely unsatisfied with the lack of interaction and agency, as well as the sheer counterability of the vast majority of tools currently out there. A lot of people are frustrated with the current meta - a lot of points of which are covered by BruisedByGod in his recent video critique. To summarize his main points:
Most answers are completely outclassed by threats
Sheer lack of healing options locks out deckbuilding choices
Most top-tier strategies prey on lack of interactivity (Pirate Burn, Lee Sin OTK, Star Spring)
This is a Control deck which, while originally devised to prey on the inevitably popular Aurelion Sol and Troll Chant and abuse the broken, flexible toolbox of Invoke on Day 1, also manages to both answer all 3 of these problems efficiently.
Lunari Duskbringer x 3
Spacey Sketcher x 3
Lunari Shadestalker x1
Pale Cascade x 3
Unspeakable Horror x 2
Vile Feast x 3
Simply the best available early-game that an Invoke Targon deck could hope to muster - Diana functioning as both early game and late-game removal (we have just enough Nightfall Synergy) for practically no investment, Pale Cascade being legitimately one of the most broken cards currently in the game, and the ping cards also serving a modicum of uses at all stages of a match. Spacey Sketcher has been severely underrated so far - providing critical tools for certain matchups and/or providing early game minions without needing to actually run them (a fundamental weakness of faster decks top-decking late). Its 'discard-replace' synergy with our late-game, as well as Duskpetal Dust and meta-call flex cards is just icing on the cake. Finally, note how every early game card I've chosen scales well and still plays a role as the game goes later; as removal, Elusive blocking, tool-building, Burst-speed Nightfall, pings and cantrip Combat Tricks. This is an often overlooked but fundamental difference between Control early-drops, and aggro early-drops (such as Precious Pet). ~
Sunburst x 3
Vengeance x 3
These two cards, combined with any generated Obliterates, form the only proper removal this deck has - and were the catalyst for me creating this deck in the first place. All three of these removal types leave almost NO room for the opponent to interact with them, and I believe that is the sole condition for a high-cost removal spell to be playable in the current game state. NOTE: Ruination is easily and always played around at a high-level of play - and leaves the opponent with ALL of the agency/choice to play around it/bait it exactly how they wish, instead of you (whose only options are to play the card too early and get out-tempo'd afterward, use more than 3 mana elsewhere to catch-up at which point it becomes unplayable, or lose the game to a sudden-attack completely at your opponent's discretion) - the ultimate NO-NO for this deck: I never even considered putting it in. ~
Meta Call Flex Spots
Divergent Paths x 2
At times I feel as if this card could be cut to 1 copy, but right now 2 feels great against the current meta, and drawing into at least one is almost necessary in order to compete with Star Spring (Obliterate is conditional and too great a tempo loss early on). In other metas previously, I've experimented with 1 copy of Passage Unearned, as well as 2 extra copies of Lunari Shadestalker. ~
Literally Everything Else One Could Ever Hope to Need
Lunari Priestess x 2
Solari Priestess x 3
Mountain Scryer x 3
Moondreamer x 3
Starshaping x 3
I still believe that Invoke is one of the most broken mechanics currently in the game. This is one of the heaviest late-game decks I can possibly imaginable, yet the only cards above 5-mana we run are removal, and our mid-game minions and healing straight up provide whatever early OR late-game tools we might possibly need in any matchup - it's simply overly flexible (flexilibity in card games being a MUCH bigger deal than most people give it credit for) and not enough of a tempo/stat sacrifice IMO. I think that Invoke as a mechanic is even stronger when ran in bulk, and especially in a Control deck - as the game goes on slowly you generate a toolbox that can handle just about any dynamic situation that meta decks can throw your way. The spell-mana nerf to Living Legends has balanced it out quite a bit, however the same-nerf to Cosmic Inspiration still hasn't convinced me that it isn't in the top 5 least healthy effects that a game based on carefully stat-balanced of minion trading could ever have (hit me up with your Cosmic Inspiration hate!) - a large proportion our games are won by this disgusting effect. Solari Priestess and Starshaping need no introduction as some of the most popular, utilitarian Invoke cards, however Mountain Scryer and Moondreamer (not so much Lunari Priestess) really put in the work, and I've never seen anyone else play these cards. The former provides crazy mana-advantage as the game goes on given our huge focus on Celestials (it's a shame we can't afford to push its Invoke chances even higher), and the latter has juuussst the right stat distribution at 3/5 to blockade most midgame tempo plays out opponent might go for. NOTE: Aurelion Sol is straight up unnecessary to compete late-game, is always burdensome and clunky draw, ruins our surprise factor (though that doesn't exist anymore with this post being made), and we often outvalue decks running him anyway (don't forget that the original premise of this deck was 'How can I best remove Aurelion?'). ~
Matchups/Strategy (Order Based on Mobalytics Tier List)
Lee Sin (60/40)
A somewhat favored matchup - although more recent lists that have cut Bastion in favor of Nopify may be a bit more in their favor (a proper Ping Counter). Hard mulligan for Spacey Sketcher, Sunburst and our pings. Generating Silence (Equinox) for Mentor of the Stones/Zenith Blade is our main early game goal. Our Mid-to-Late game goal is removing all 3 Lee Sin's at the expense of practically everything else (the rest of their deck is pretty much completely irrelevant, but rushing them down is also pretty much impossible) - after which our win is basically guaranteed.
This matchup is sadly the most binary thing: Sunburst/Vengeance/Ping's VS Lee Sin/Spell Denial/Zenith Blade
The rest of both decks are basically irrelevant other than to slow down the level up/speed up the level up/Draw into above cards
Draw Draw Draw + Always save enough mana to Removal Spell + Ping if the opponent has 4 mana up late game
I believe that we are very, very heavily favored if played properly (although it's a VERY nuanced matchup to play right), and most of our losses come from bricking our early-game draws and/or not drawing/generating a single Starshaping/Golden Sister as their burn damage inevitably builds up. Hard mulligan for all 1/2 cost cards (only keep 1 Pale Cascade with a 1/2 cost minion).
NEVER, EVER play early minions proactively (e.g. NO turn 1 Lunari Duskbringer unless they play something) - only ever match however many minions the opponent has AND trade right away to minimise Make it Rain/TF value (For instance, if you proactively play a minion with nothing to trade it into, and then find yourself needing to play, say, Diana/Solari Priestess later - the opponent is basically guaranteed free additional AOE value: make EVERY chump blocker count)
ALWAYS open attack into Powder Keg's (usually with our single developed minion)
Take ANY trade you can get (even if somewhat unfavorable) to clear both sides of the board going into turn 8 - one of the ways we can lose is if Riptide Rex clears our heavy board and we only have time to develop one chump blocker before the onslaught - especially because Riptide is MUCH stronger against minions than the nexus > Late game, try to keep both sides of the board as empty as possible
If you find yourself with priority against their activated Plunder past turn 8, play small minions to bait out Rex without having to pass the turn OR play larger minions, especially with uneven health like Moondreamer to protect the rest of your board from potential cannons
ALWAYS try to find a NON-Rex'able position late game to develop Golden Sister, and save Pale Cascade if possible to protect her from Noxian Fervor and recover 6 previous health
ALWAYS have enough mana to remove Leviathan if the opponent has more than 8 mana on any given turn (prioritise Leviathan over Swain himself)
Sacrifice minions to TF attacks and remove Zap Sprayfin ASAP to minimise chip damage (which really builds up)
Be careful and make sure you always have a way to prevent Swain connecting with the Nexus (even if they develop him this turn and open attack the next); Pale Cascade is a good tool here
Pirate Aggro (55/45)
We are much more prone to bricking on draws here than Swain/TF, as we need quite a specific hand to deal with their onslaught - This is probably our most draw-dependent, low-agency matchup by far - as face-deck matchups tend to be. In addition - Captain Farron is much more effective against our removal strategy than the likes of Leviathan. Nonetheless, from my experience I think that we're still every-slightly-so favored in this matchup - often winning by the skin of our teeth. Starshaping/Golden Sister are mandatory late-game, and not bricking by not drawing/generating either is also basically a loss. Hard mulligan for all 1/2 drops, and keep a single Sunburst for Gangplank if your hand is already looking great.
There's nothing much to say here given the nature of their deck - pray your draws are good and take the obvious trades
A very unfavored and binary matchup (see below as to why) that has luckily become rarer recently. Mulligan for Removal/Invoke cards.
Save Starshaping for when you can actually make use of the heal (don't just play it on turn 3 because they're 'starting off slowly' - it's very important to maximise your leeway to survive Atrocity later on)
Try to remove Trundle on curve with Sunburst/Vengeance
Generate/Stockpile removal throughout the midgame
Sadly, none of these choices really matter in the end and the match comes down to luck - if Warmother's pulls a Level 1 Tryndamere on their attacking turn, the obvious open attack followed by a loss is all but guaranteed (Vengeance doesn't stop Atrocity in this case - leading to too great a health/tempo loss, and my previous Passage Unearned tech to deal with specifically this scenario simply wasn't worth the dead card in other matchups). We can also lose to a big levelled Trundle, or simply not generating/drawing into enough removal. Sadly these cases happen more often than not. Warmother's generated too much tempo if left unchecked by hard removal for even a single turn so there is little leeway for bad luck.
If Warmothers' timing and Invoke/draws are on our side, the matchup becomes pretty simple - Smartly use about a removal spell on their big guys for about 8 turns, play around Ruination and Atrocity, then cruise to victory.
This deck was basically created on Day 1 specifically to destroy Trundle/Asol. Sadly though, even at 75/25 the matchup is worse than it should be due to the nature of Invoke RNG - if one player draws into Cosmic Inspiration and the other didn't the match is over, full stop + the occasional shenanigans involving The Great Beyond uninteractibly going face and non-stop Living Legends value. Mulligan for Sunburst, Vengeance and pings.
Remove Trundle ASAP with Sunburst (Vengeance/Obliterates are best saved for Asol so getting Sunburst value while Trundle is still unleveled and 6 health is a big deal in terms of removal distribution)
Always try to remove Asol on the first turn he's played with Vengeance chaining into a ping to minimise the opponent's chance of getting game-winning Invoke RNG/matching your late-game value with free Celestials
If you still haven't drawn a ping late game, try to fish for Crescent Strike with Spacey Sketcher
Play around 7-mana Asol (Augur of the Old Ones) as much as possible
Pray you draw Cosmic Inspiration and the opponent doesn't
Discard Aggro (80/20)
I don't know why this deck is considered competitive - maybe because our matchup here is basically as favored as TF/Swain except without any gameplay nuance required on our part. Mulligan for 1-2 drops. Keep Solari Priestess/Sunburst if hand is good. Only necessary statistical losses to bad early draws against an aggro archtype.
Make obvious trades. Play around Mystic Shot on Diana. Chump block Draven/Jinx. Remove Draven/Jinx. Profit.
Another draw dependent, but quite favored matchup. Quite difficult to play though - you need to balance maintaining some modicum of tempo whilst also being able to deal with their crucial threats. Mulligan for 1-2 drops ESPECIALLY Pale Cascade/Pings, and Removal.
DON'T play ANY minion with less than 3 attack from turns 1-4 UNLESS you're getting tempo'd into the ground OR you have Pale Cascade (otherwise Fiora gets a free trade and the opponent gets to use their buffs reactively rather than proactively - giving you less leeway to remove her)
Save ping's for Fiora Barrier's, NOT Fleetfeather Tracker UNLESS you're getting tempo'd into the ground
Save a removal spell and mana for turn 3 Fiora, turn 4 Shen, turn 6 Genevieve and turn 9 Brightsteel UNLESS you're getting tempo'd into the ground
Basically the Pirate Aggro matchup but a tad bit slower and with no burn - giving you more leeway to make up for bad draws both early and late.
Make the obvious trades, pray to draw well and don't to let Genevieve get 2 attacks off
Basically the Trundle/Asol matchup except with no 'must remove ASAP' threats giving you more leeway to make up for bad draws. Celestial RNG and especially Cosmic Inspiration still give them a chance to win as usual. ~
Shyvana Dragons (50/50?)
I surprisingly, haven't faced too much of this deck yet personally, but looking at it's cards compared to ours, I think the matchup would be about 50/50 (an otherwise favourable looking matchup affected a bit by their high tempo removal and guaranteed Cosmic Inspiration in the form of Kadregrin). ~
This matchup is dependent on whether we draw removal for Ashe somewhat on curve, how much tempo they manage to build early on and whether we draw good enough to afford to play around Reckoning. Mulligan for Sunburst, Solari Priestess, Pings and Diana (only if you've already drawn support) as our other standard early drops are all pretty ineffective against theirs.
Remove Ashe ASAP
Try to Vengeance Sejuani on the attack if she directly attacks your Frostbitten minion in order to prevent the free value trade and maintain tempo on board.
Play around Reckoning as much as possible, especially if it wouldn't affect their own board too much compared to yours - maximise your 5+ attack minions to theirs if Reckoning begins to look more likely
Try to bait out an invested attack/Frostbite support for Trifarian Gloryseeker before pinging her - especially because Elixir of Iron is a bit rarer nowadays
Probably our most favored meta-deck matchup, and unfortunately rarer recently. Their win conditions - Kalista, Blighted Caretaker tempo, Neverglade Collector and They Who Endure simply don't stand a chance against our toolbox. Most losses come from unanswered Blighted Caretaker tempo. Mulligan for Spacey Sketcher, Sunburst and Pale Cascade.
ALWAYS pick Silence (For They Who Endure) or Stun (For Blighted Caretaker) off Spacey Sketcher
Try to hold a minion to play on turn 3/4 to kill an attacking Kalista with Pale Cascade AND get the Nightfall card draw
Play as reactively as possible with your pings - playing them proactively will almost always be answered by Glimpse Beyond, and when they run out of gas later on they will be forced to play their Glipmse proactively - your chance to strike!
Silence/Sunburst Blighted Caretaker as it comes down
SAVE Vengeance for They Who Endure - going into the late game, stockpile Silence/Sunburst and Vengeance and maintain enough mana (usually open-attacking) if necessary (IF can still afford to play They Who Endure that turn) to use one of the former followed by Vengeance to counter into their Atrocity: with this line of play, it's basically impossible to lose the combo
The biggest downside and sheer impossible matchup of this archtype. Maokai manages to pack even less interactivity/inevitability than we do, and the nature of our deck gives us no chance of out-tempoing Deep early OR late. Auto-concede. ~
A simpler aggro matchup than the others. Mulligan for 1-2 drops - especially Spacey Sketcher and Diana, as well as Sunburst.
ALWAYS pick the Stun spell off Spacey Sketcher, and save it for Diana, or of lesser priority, Nocturne/Ephemerals off Stalking Shadows
Removing Nocturne ASAP with either Sunburst or Vengeance is a HUGE priority
ALWAYS play around Pale Cascade
Play around Atrocity and Doombeast damage later on in the match
Another matchup that I haven't faced too much of just yet. Mulligan hard for Divergent Paths and Solari Priestess - Once we remove their uninteractive element trump-card in the Landmark win-condition, if we can survive their early tempo, the rest of the match should be a cinch given our heal/health-ignoring conditionless removal for their Champions. ~
Thanks for reading up to this point, and pardon my formatting, the ridiculous length and the sheer pomposity of it all. I still think Invoke is flexible to the point of being broken and the only reason the matchup spread is so good. I also think that with the release of this guide - more people will come to recognise this archtype and the element of surprise affecting enemy mulligans against an assumed more aggro, Nightfall-focused Diana archtype will be lost. People will also know to play around less common cards such as Sunburst, and I expect winrates to fall somewhat across the board. To conclude this guide, I'd like to say that this is this is not a healthy deck. At the deepest level, this deck is fundamentally about removing agency from your opponent and giving it to yourself, as well as securing the critical boon of having inevitability over your opponent in a game with the nature of LoR. If all decks were like this, LoR would completely cease to be fun. What else do I think is unhealthy right now? - Simple: anything removing interactivity from your opponent - ESPECIALLY as a win condition; Maokai, Star Spring, Cosmic Inspiration, Lee Sin. The avenues through which these cards can be interacted with are way too limited right now. A lot of the metagame nowadays is about having an uninteractable win condition, or focusing damage to face so fast the opponent has no chance to react - another form of non-interactivity. Here's hoping that the meta in the near future heads back in the direction of the close but fair midrange board battles we all came to love back in vanilla LoR. ~ (slinx4)
Going to keep this simple. EDIT: this isn’t simple and I should write a short story on this. I am generally risk averse. I hate losing $100 at the casino, I hate paying extra for guac at chipotles, I will return something or price match an item for a few dollars of savings. I am generally frugal. But, I somehow had no issues losing 10k in options... How I started I remember my first trades like they were yesterday. I was trading the first hydrogen run-up in 2014 (FCEL, BLDP, PLUG) and made a few hundred dollars over a couple weeks. I quickly progressed to penny stocks / biotech binary events and general stock market gambling mid-2014. I was making a few % here and there but the trend was down in total account value. I was the king of buying the peak in run-ups. I managed to make it out of 2014 close to break-even to slightly down. WSB Era March 2015 was my first option trade. It was an AXP - American Express - monthly option trade. I saw one of the regular option traders/services post a block of 10,000 calls that had been bought for 1.3 and I followed the trade with 10 call options for a total of $1300. I woke up the next day to an analyst upgrade on AXP and was up 50% on my position. I was addicted! I day-dreamed for days about my AXP over night success. I think around that time there was some sort of Buffet buyout of Heinz and an option trade that was up a ridiculous amount of %%%. I wanted to hit it BIG. I came up with the idea that all I needed to reach my goal was a few 100% over night gains/ 1k>2k>4k>8k> etc. I convinced myself that I would have no problems being patient for the exact criteria that I had set and worked on some other trades. Remember, the first win is always free. I was trading options pretty regularly from March 2015 until August 2016. During my best week I was up 20k and could feel the milli within reach. I can remember the exact option trade (HTZ) and I was trading weeklies on it. For those who have been in the market long enough, you will remember the huge drawdown of August 2015. I lost half my account value on QCOM calls (100 of them) that I followed at the beginning of July and never materialized. I watched them eventually go to 0. It was another 10,000 block that was probably a hedge or sold. In August 2015 there were some issues with China and all of us woke up to stocks gapping down huge. Unfortunately my idea of buying far dated calls during the following days/weeks after the crash went sideways. I quickly learned that an increase in volatility causes a rise in option prices and I was paying a premium for calls that were going to lose value very quickly (the infamous IV crush). I kept trading options into the end of 2015 and managed to maintain my account value positive but the trading fees for the year amounted to $30,000+. My broker was loving it. I tried all the services, all the strategies. I created rules for my option plays: 1. No earnings 2. Only follow the big buys at a discount (10,000 blocks or more). 3. No weekly options 4. Take profit right away 5. Take losses quickly 6. etc. I had a whole note book of option plays that I was writing down and following. I was paying for option services that all of you know about - remember, they make money on the services and not trading. I even figured out a loop-hole with my broker: if I didn’t have enough money in my account, I could change my ask price to .01 and then change it to market buy and I would only need to accept a warning ⚠️ for the order to go through. I was able to day trade the option and make money, who cares if I didnt have enough? After a few months of this, I got a call from my broker that told me to stop and that I would be suspended if I continued with this. By the way, I was always able to satisfy the debit on the account - so it wasn’t an issue of lack of funds. Lost it all. Started taking money from lines of credits, every penny that I earned and losing it quicker and quicker. I was a full on gambler but I was convinced that 8 trades would offset all the losses. I kept getting drawn in to the idea that I could hit a homerun and make it out a hero. I eventually hit rock bottom on some weekly expiring FSLR options that I bought hours before expiration and said to myself - what the f are you doing? I resolved to invest for the long term and stop throwing tendies away. The feeling was reinforced during the birth of my first born and I thought - what a loser this kid will think of me if he knew how much I was gambling and wasting my life. It was a really powerful moment looking at my kid and reflecting on this idea. I decided at that point I was going to save every penny I had and invest it on new issues with potential. Fall 2016 TTD, COUP and NTNX IPO ‘ed I decided I was going to throw every dollar at these and did so for the next few months. I eventually started using margin (up to 215%) and buying these for the next 6 months. They paid out and managed to make it over 100k within the year. The first 100k was hard but once I crossed it, I never fell below this magic number. 2017 - I did some day trading but it was mostly obsessing over the above issues. I did gamble on a few options here and there but never more than 1k. 2018 - SFIX was my big winner, I bought a gap up in June 2018 and my combined account value had crossed 400k by August 2018. I was really struggling at crossing the 500k account value and experienced 3 x 30-40% drawdowns over the next 2 years before I finally crossed the 500k barrier and have never looked back. I still made some mistakes over the next few months - AKAO & GSUM come to mind. Both of these resulted in 20k+ losses. Fortunately my winners were much bigger than my losers. I thought about giving up and moving to index funds - but i was doing well - just experiencing large drawdowns because of leverage. 2019 big winners were CRON SWAV STNE. 2017 / 2018 / 2019 all had six digit capital gains on my tax returns. At the beginning of 2020 I was still day trading on margin (180-220%) and got a call from my broker that they were tightening up my margin as my account was analyzed by the risk department and deemed too risky. Believe it or not this was right before the covid crash. I brought my margin down to 100-110% of account value and even though the drawdown from covid hit hard, I wasn’t wiped out. I stayed the course and bought FSLY / RH during the big march drawdown and this resulted in some nice gains over the next few months. I am constantly changing and testing my investment strategy but let me tell you that obsessing over 1 or 2 ideas and throwing every penny at it and holding for a few years is the best strategy. It may not work at some point but right now it does. I still day trade but I trade with 10k or less on each individual position. It allows me minimize my losses and my winners are 1-7%. I am able to consistently make between 3-700$/ a day on day trades using the above strategy. I still take losses and still dream about hitting it big with an option trade but dont feel the need to put it all on the line every month / week. I finally crossed into the two , club. I know people are going to ask for proof or ban but I am not earning anything for posting and the details about some of the trades should be proof enough that I kept a detailed journal of it all. I have way more to write but these are the highlights. Eventually I will share how I build a position in a story I love. I still sell buy and sell to early but I am working on improving. TL:DR - I gambled, lost it all and gambled some more lost more. I made it out alive. I have only sold calls/puts lately. The one common denominator in all successful people is how much they obsess over 1 or 2 ideas. Do the same. All the winners on this sub have gone all in on one idea (FSLY / TSLA ). Stick with new stories or ones that are changing and go all in...wait a second, I didnt learn anything.
What is up Depthians! We are back with another monstrous update as this one incorporates five beta test builds, so we have a lot to cover. If you want to dive straight into the massive changelog/dissertation Click We should probably start with the biggest change to From The Depths in this update and that is the change of fuel and ammo storage. Quoting Nick, our lead developer
The change is quite simple: "remove ammo and fuel as separate resources. Weapons will consume materials directly, fuel engines and CJEs will burn materials directly". Before I dig into why I think this is the right thing for FtD, I'd like to explain a few details. Energy, fuel and ammo are still needed for your constructs. We have changed the "ammo barrels (etc)" and "fuel tanks" so they are just alternative material storage containers, but with the following properties: --"ammo barrels" now increase the maximum possible rate of usage of materials as "ammo" for reloading guns. They still explode. --"fuel tanks" increase the maximum possible rate of use of materials as "fuel" for fuel engines and CJEs, with the future stretch goal of fuel tanks being flammable. --So ammo racking is going to remain a feature of the game- vehicles that need to reload a large amount of materials may need additional ammo barrels Ammo and oil processors are replaced ship-wide with existing material storage containers of the same size. They'll be made decorative blocks so you can still use them decoratively in future if you want to. The oil refinery will be repurposed (described later in the patch notes) There are two main reasons why I think this is the right move. Why it's right for the business and why it's right for the player. Let's start with why I think it's right for the player: Ammo and fuel containers are currently purchasable as either "empty or full". This is confusing when considered in the context of the campaign, story missions, custom battles, multiplayer matches...how do empty and full tanks behave in these modes? I'd need an hour to study the code and a small essay to explain it. That's not good game design. Localised resources, when considering just the moving of material (and energy, if you want), becomes infinitely more manageable. The supply group system and the transit fleet system are not intuitive and for a lot of situations, their usage becomes fiddly and too complicated. We've replaced these systems with a new supply system that is much more intuitive for moving materials and energy around. The UI is less cluttered now that ammo and fuel bars are not shown. This is not a minor point...it'll reduce the amount of data on screen by about 40% in a lot of the different views. It'll be so much easier to know at a glance if a particular fleet is running low on "materials" or doing fine. Is a transport ready to leave, or does it need to pick up more materials? Will a set of vehicles have enough materials for the next fight...this is so much easier with just one main resource type per vehicle. When you or an enemy run out of ammo or fuel in a battle it's just frustrating. By combining fuel, ammo and materials for repairing you can guarantee that if someone runs out, the fight is going to be over quickly. I imagine that deep down the majority of players would rather not have to create, stock and resupply fuel and ammo. I know that personally, the requirement to do this puts me off playing the campaign. By using a single material it still focuses the game on making efficient war machines, maintaining supply lines and growing your economy, but without the extra confusion of mat->ammo and mat-> fuel conversion. Being able to assess weapons, engines and vehicles in terms of material cost and running cost is elegant. Most grand strategy games and RTS games don't have localised resources, and many don't have more than 2 resource types to handle. Very few combine localised materials with multiple types. Why it's right for the business: The ammo and oil processors were created about 8 years ago. Boring single blocks that don't add much to the game. It's been our intention to add something similar to the oil refinery but for ammo creation. That's a lot of work and adds to the complexity of the logistical part of the game, which we feel is already a burden. Making the localised resource supply system more user friendly to make it easy/natural/pleasant to move ammo, fuel and material around the map would require a lot of effort and, quite frankly, I'm not sure we'd ever manage it. The complexity of the UI scares off a lot of our customers. The barriers to getting a gun firing or a boat moving will be lowered if a single material container can theoretically get everything working. Running out of ammo/fuel in combat is a problem for our players. We want to find a solution to that, but it would take a lot of effort to do so. We also want the strategic AI to always enter a battle with enough ammo and fuel for the fight- that's another massive bunch of work. The campaign's strategic AI has to work hard to get materials where it wants them. It's a bundle of work and added complexity to get NPC fleets to restock ammo and fuel as well. We had proposed work to make resource dumps (from dead ships) contain ammo and fuel...again, that's more work, more bugs, more testing. Certain game modes such as story missions, tournament mode, and multiplayer maps should theoretically allow the player to choose the amount of ammo or fuel stocked into their vehicles before the match begins. That's another bundle of work and added complexity we'd like to avoid. Currently out of play units on the map can run out of fuel and will still continue to move "for free". It's exploitable and we don't have a solution to that...but if all the different out of play movement calculations are burning material, there will be no avoiding the cost. The development effort can be much better spent polishing up other features that I actually believe in, rather than flogging the dead horse of logistical complexity in an attempt to make it interesting, approachable and fun for everyone (which I fundamentally don't think it would ever be). Fundamentally I think that by winding back this feature we tie up a large number of loose ends and it results in a far more finished and enjoyable product. And what's-more everyone on the development team agrees that we enjoy the game for fighting, looting and creating...not staring blankly at dozens of resource bars trying to figure out who needs to head back for more fuel and how long we need to wait for ammunition to process. We've also simplified the resource transfer system. "Supply groups" and "Transit Fleets" have been replaced with a simple but comprehensive three-tier system. You can mark a vehicle as a "Creator", a "Cargo" or a "User". Creators fill up Cargos (and Users), Cargos give to Users (up to procurement levels). Users equalise their material with their neighbours, so do Creators, and there are a few handy transfers from Users back to Cargo and Creator to make sure they maintain their procurement levels as well. This system covers 95% of the way people were using the resource system and does it all semi-automatically. This simplification is much more possible now that materials are the only resource, as they invariably just need to flow from the resource zones to the front line, with everyone (Creators and Cargo) keeping what they need and passing the rest on. This new resource system also facilitates the long-range transport of materials from refinery to refinery, which is neat. The system also has an option, for Creator and Cargo types, to set their "supply chain index", so if you want to relay materials from output to output in order to accumulate them at a central location you can set the supply chain index to determine which way along the chain the materials will flow. It's all explained in the game.
After spending a lot of time with this new system from adventure to campaign and designer mode, the gameplay feels a little faster to get going and a little simpler for fleet management. As if you didn’t already know, you can shift+right click (with your supply construct selected) on the target construct / flagship of a fleet to keep supplied, keep holding down shift and right-click where you want to pick the resources up from and once again while not letting go of shift, shift+right click on the target construct/flag ship to finish the loop. This would be done of course after setting up the settings Creator, Cargo and User. Creator as an example is the harvesting construct, Cargo which would be the supply ship, User which would be a single target construct that uses the mats. This will keep the supply ship target waypoint updated and therefore your supply ship will always head to the target construct no matter where it has moved to after setting up the loop. You still need ammo and fuel boxes on your constructs, as these are governing the transfer rate / the speed that stock your turrets and fuel engine with the materials needed for them to run. You can run a construct without fuel or ammo boxes, however, once your APS clips are empty you will see a drop in your rate of fire as the material is not being transferred fast enough, this is the same for fuel engines and CJE. Another change that goes hand in hand with resource management is the changes to fuel refineries. In short:
Refineries on a force with greater than 1 million materials on it will begin refining the material into 'commodities' that are stored centrally. Commodities (AKA centralised materials) can be added by the player to any vehicle in allied territory, at any time.
Steam was previously totally unbalanced and arbitrary. For example, 9 small boilers with 1 small piston was the optimal steam setup, which was more efficient and denser than almost all other engines; and turbine power generation only depended on its pressure, so compact turbines were always optimal.
It lacked many critical info in its UI.
It was hard to control the usage of steam
What's good with new steam:
A bit more of realism and complexity
Larger steam now generally have better efficiency and density than equivalent smaller steam
More useful info such as total power production, performance over time
Possibility to regulate steam usage with valves
Pros of steam compared to injector fuel:
Denser and more efficient
Even denser with turbines
Easier to fit into irregular space
Provides a buffer with flywheels or steam tanks
More efficient when used for propellers
Doesn't require fuel containers, uses material directly from any type of storage
Computationally less intensive
Cons of steam compared to fuel:
Still hard to regulate, so it's only useful when the power usage is constant or there's a buffer energy storage
Turbines waste energy when batteries are full
Crankshafts waste energy when reaching speed limit
More susceptible to damage (injector engines can often still run fine even when half of it is gone, steam can stop working when a single pipe is destroyed)
Why cost of parts is hilariously high: Steam engines have better efficiency and density (many players seem to forget that one) than injector engines. So a higher initial costs makes it less overpowered. (In my opinion, the potential waste of energy is a major drawback of steam and justifies for its high potential power. But iirc Draba said that injector engines would be useless on designs that require a lot of power if steam doesn't have higher initial cost, which also makes sense.) Problem with new steam that can't be fixed:
Many old designs are broken due to low power output
Problems that can probably be fixed but I don't have a solution:
Inefficient steam engines are ridiculously bad (a bad steam engine is like 30 PPM and 50 PPV, while a good one is around 600 PPM and 110 PPV) (I tried to fix this and spent like 40 hours on that, but I only managed to make it easier to build a mediocre engine)
Cannot be simulated to calculate a stable power output, like fuel engines do (actually it's easy but would take a lot of time to do and I don't think it's necessary)
Another massive change is the detection rework which I also left a few questions for Ian AKA Blothorn to explain the system and how it works. Why a change was warranted:
Different types of detection weren't well balanced--for instance, visual components had better accuracy than IR and vastly better range.
Detection autoadjust used an incorrect formula, so optimizing adjustment was both mechanical and tedious.
Trackers having much better detection ranges than search sensors meant that detection was very binary--if you could see something at all you could usually get a precise lock (barring ECM, which was only counterable by large numbers of components).
Needing both sensors and munitions warners made reactive missile defence difficult on small vehicles.
There were a number of other inconsistencies/imbalances, e.g. some visual/IR sensors working through water, steam engines producing no heat, etc.
Overview of the new system: On the offensive side, each sensor type now has a role in which it is optimal, and large vehicles are best using a variety to cover their weaknesses. Visual probably remains the default for above-water detection--it remains impossible to reduce visual signature other than reducing size. IR is better against fast vehicles, as they have trouble avoiding high IR signatures from thrust and drag. Both visual and IR are weak in rangefinding (although coincidence rangefinders are adequate for most purposes); radar is correspondingly strong in range and weak in bearing, although it often offers better detection chances against vehicles that don't pay attention to radar stealth. On the defensive side, there are two approaches. Most obvious is signature reduction--while it is deliberately difficult to avoid detection entirely, reducing signature reduces detection chances and thus degrades opposing accuracy. At short ranges, however, this doesn't work well--detection chances are likely high regardless, and low errors at short range mean even sparse detections can give a good fix. Smoke and chaff can be useful here: they increase detection chance while adding a distance-independent error to opponent's visual and radar sensors, respectively. ECM, buoys, and radar guidance have also been reworked. Buoys are more powerful, becoming more accurate as they get closer to the target. While their base error is high, at long ranges a buoy at close range can beat the accuracy of any onboard sensor. If you worry about opponents’ buoys, ECM can now intermittently jam them--except if they are connected to their parent vehicle by a harpoon cable, in which case they don't need the vulnerable wireless connection. Most blueprints should need no modifications under the new system, although a few may want a few more or less GPP cards. The one exception is water interactions--IR cameras, laser rangefinders, and retroreflection sensors can no longer work through water, so submarines that used them underwater or vehicles that used them to detect submarines will need to replace them (likely with buoys). Vehicles that predominantly used visual detection should also consider adding a greater variety of sensors--in particular, visual camera trackers tied to AA mainframes should likely be replaced with IR cameras. Also, radars and cameras can take over missile and projectile detection (radar is required for projectile detection), so munitions warners can be removed/replaced with additional sensors. Last but not least a sweet little addition to our build menu prefabs. https://preview.redd.it/iqw1ymabu9t51.png?width=1920&format=png&auto=webp&s=aa1e3cdba6e1d62e07aef83caf0acad2a39249ed Please do make sure you go through the changelog as a hell of a lot has changed!
The morning alarm woke up Ghen. With an annoyed sigh, he stretched out his arm and silenced the foul-sounding chirps. Slowly sitting up in bed, he let out a deep yawn and got to his feet. Running a couple of chitinous fingers along his antennae to stimulate them to life, he made his bed and then went to his closet. Today was a work day, so he needed his suit. Once the pants were on, he stretched out his wings so that he could button up the shirt, then relaxing them once all the buttons were secured. Dressing for the day was done, now for the morning meal. Entering his kitchen, he took out the chilled leftovers of the evening meal last night and popped it into the radiator, first defrosting and then slightly cooking it. During that process, he also fished out a ceramic cup and placed it in his brewer, serving himself some synthesized caffeine. His idle thought led him to being amused that, when eaten directly off a plant, it has a concentration that could kill him three times over. But after going through some refinement and roasting, all it does is make him hyper. Once the meal was put together, his plate of heated leftovers and a cup of almost-piping-hot cup of Xia's, he took his time to enjoy it. His communicator vibrated. When he looked, he found it was from his boss. "Hello?" Ghen answered. "Ghen, the meeting's been moved up to a few minutes from now." His boss, Xkik, announced. "Apparently higher up has something important they want to say. We have a terminal ready for you, I'll message the login details." "Wha-, what's so important?" Ghen asked in bewilderment. "Did a water line rupture or something?" "No, nothing like that." Xkik replied with a slight chuckle. "It's actually about the rumors we've been hearing. That human corporation wanting to acquire us? That's what they're talking about." Ghen could feel everything inside his thorax drop to the floor. "That must mean it's true then, right? Did we get sold off by the Queen to this company then?" "Show up to the meeting and you'll get your answer." Xkik said simply. When he finished, Ghen got the notification on his communicator. There's the login details, allowing him to remotely attend the meeting. "They're about to start, hurry up." Once Xkik disconnected, Ghen worked fast to login and set up the remote viewing. Once everything was done, his screen started transmitting the meeting room. It was already packed. And off by the main board, he saw his answer. There was a human, resting against the wall on his two legs. Standing right in the center of everyone's view was the coordinator, Tizx, watching the clock periodically. As soon as the meeting's start time was reached, the coordinator began. "Alright everyone. I realize that this was rather short notice, so I want to say how appreciative I am that you made it. Now then, let's just get right to it. For some time now, many of you have been hearing rumors that a human corporation has been interested in us. Why? We never really knew. We're just an organization responsible for finding, extracting and providing water to the colony here all under the direction of the Queen herself. Well, as of now, I have the answer for you. Why don't I let Ryan say that?" Stepping back, Tizx motioned for the human, Ryan, to take over. With a nod, Ryan practically bounced over and then took the position. "Good morning to you all. I hope my Zazk is passable, heh. Anyways, the answer to those rumors, is yes. Terran Galactic Company is indeed interested in you all. Which now leads to me. I'm here to announce that, effective yesterday evening, this water company is now a subsidiary of Terran Galactic Company, under the name of Zilia Water Delivery." Many other sub-coordinators broke into hushed conversation, no doubt speaking their thoughts with each other about this move. Ghen could only wonder if this was even a good thing. What will the humans do? Will he still have his job? Will he have to learn how to deal with the ruthless humans? "Now, I am well aware this is quite the...uh, change." Ryan continued. "That's why I'm happy to inform you that, no, nothing negative or detrimental will happen to you. You just have new people to answer to. Operations will continue as normal, everybody here will still keep their jobs. The only real change any of you will personally experience is that Coordinator Tizx here will now report to someone else. On behalf of the Terran Galactic Company, we are extremely excited and are looking forward to working with you all. Thank you for your time." A week later. At least Ryan wasn't lying. After the initial shock wore off, things went back as they normally did. There were no terminations, no reductions in annual pay or anything. Nothing really changed. At least until this new meeting was called. Ghen was at the worksite this time, so he took his seat and watched as, once again, Ryan led the meeting. "Hello again, everyone!" He said cheerfully, his Zazk noticeably improved. "I hope I didn't end up looking like a liar, right? Everything's still normal, all that?" All the zazk in the room confirmed, providing comments to their pleasant surprise as well as lingering thoughts. "Awesome! Awesome." Ryan said jubilantly, his fleshy mouth revealing his bone-white teeth. "Now then, you're probably wondering why I'm here again, right? Well, I got another fantastic piece of news for you all! Two, actually. I'll start with the first: Zilia Water Delivery has just completed its IPO. The company is now publicly traded!" Ghen and the others voiced their confusion, having no idea what in the name of the Queen Ryan was talking about. What was Ryan talking about? What's an IPO? And why exactly is being publicly traded such a significant thing? "Oh, you guys don't know any of that?" Ryan asked in surprised confusion. After everybody confirmed, he let out a quick huff as he began his explanation. "Well, to begin, IPO is short for Initial Public Offering. Basically what that means is that, before today, Zilia was privately held. Only certain individuals could buy and sell shares here. But now that we're public? Literally anyone can buy and sell shares in the company, hence us being publicly traded." "Uh, what's a share?" Ghen asked, still completely lost. "Oh, boy..." Ryan muttered under his breath before returning to his peppy image. "To simply put it, a share is short for having a share of ownership in a company. When you buy a share, you're buying a piece of ownership, and when you sell, you're selling that amount." "So wait...if someone buys a share, they're a co-owner then?" One of the other team coordinators asked. "If they get enough, yeah." Ryan nodded. "You need a lot though, and that really depends on the company. If I had to give an answer though? I'd say usually you need to have a lot more shares than a lot of people combined to be officially a co-owner, but we call that being a majority shareholder." "And how do we do that?" Ghen asked, now growing curious but still not understanding why such a concept exists. "Simple. Buy shares." Ryan said simply. "And that leads into the second piece of awesome news. Zilia's corporate has a product in mind, a premium-package of water delivery. Instead of the usual water that you pump out, filter and ensure its potable before delivery, with the premium package, not only will you get that, but you'll also get all of the required nutrients and vitamins the zazk body requires! And they feel you guys have the best expertise and understanding to pull it off! So, here's what we're offering as a good-faith bonus: A 25% increase to your annual salary as well as being given stock options." Ghen wasn't sure about the second part, but the salary definitely got his attention, as well as everyone else's. Although his job was considered to have a good pay, Ghen isn't going to say no to a higher salary. In fact, he's been focusing his work on getting a promotion so he can come home with even more credits in pocket. "What do you mean by stock options?" Ghen asked after some time. Ryan let out that smile again, the one that revealed his teeth. "If you choose to transfer over to the new group, you'll be provided 50,000 shares in Zilia itself. Why's that awesome? Let me walk you through it. Right now, our last closing price per share was 3.02 credits. And if you have 50,000 shares during that time, you're sitting on 151,000 credits, if you cash it out immediately." "And why shouldn't we?" One of the coordinators demanded in an ambiguous tone. "Because the price per share changes a lot." Ryan explained promptly. "When we got done with the IPO? It closed at 2.73 a share. Right now? My money's on the closing price being 2.99 a share. However, we are extremely confident in this premium package being successful. If it does? Well, my bet is that the share price will skyrocket to 3.12 a share. If you hold those shares and the price gets to what my bet was? You'll instead get 156,000 credits. Just by holding onto them, you just made an additional 5,000 credits!" "And what if we have more shares?" Ghen questioned, now getting excited at the prospect of free money. "Even more money!" Ryan laughed a bit. "And don't forget about dividends, but that's for another time. The premium group is gearing up right now, we just need the workforce. If any of you wants in, I'll be back tomorrow with all the forms needed to make it official. Take the day and tonight to think it over, yeah?" Everything else melted into a blur. Ghen was practically on autopilot that whole day. Was this the secret to the humans' incredibly massive economy? How so many of them have amassed so much money out of nowhere? All you had to do was just buy this share out of a company and you get more money without even working? As soon as he got home, Ghen knew what he was going to do during the night. After feverishly looking through the galnet, now having the human race connected to it, he looked and gathered up as many books that were translated into zazk as he could find, all talking about the human economic system. The last time he undertook such an intensive study was during his primary education phase. And during his search, he even found forums on the galnet that were completely dedicated to the human's economy. All of them talking about strategies on what company, or stock, to pick. How to analyze a company's performance to determine if it was worth the money, or it had potential to grow over time. And that was when he discovered the humans found another method to the extremely simple buying and selling process. There were humans and some other immigrated aliens who made five times what Ghen could receive over a simple month just by watching the share prices during trading hours, and then buying and selling them at the proper times. Ghen's mind was just absolutely flabbergasted. He thought it was just some strange concept only aliens could make, but no, not with the humans. They've practically made their economy into an art or a science. No, not even their economy. Everything. If humans can see a way to make money off of it, they'll do it. And if there isn't, they'll look for a way. Healthcare was monetized. Galnet services, transportation, shopping at the store, they even made all of their utilities into profit-oriented companies. And it was there that Ghen paused, the realization slamming into him. Everything was monetized. Which means, if you don't have the money for it, you're not getting it. Right? Are the humans truly that ruthless? So obsessed with making money? To the point that they're willing to deprive their own people of the absolute necessities if it's a source of credits? Ghen let out a scoff. There's no way. Nobody is that cruel and callous. He's never been to the United Nations. He can't rely on what a bunch of random people on the galnet says. He decided that from here on out, he'll only go as far as saying that humans are a little obsessed with credits, nothing more. ... There he was. Ryan, sitting in the office provided to him. And there was a rather large line leading to him. Looks like word got around. Although, the line wasn't as large as he expected it to be. Maybe the others thought it was just a ruse? That there's no such thing as making free money by spending it on such a made-up concept? Ghen only knows that, if it is a ruse, it's an extremely elaborate one, where all of the humans are in on it. And he believes that's just extremely ridiculous. At the end, if he's unsure, he'll just take the transfer for the very real increase in his very real salary. And although he spent a very good chunk of the night reading up on how humans do things, he's still going to play it smart. He'll leave his 50,000 shares alone and see where it goes from there. "Good morning sir." Ryan greeted warmly once Ghen took his seat. "Now, name please?" "Ghen." He answered, barely keeping his nerves down. "Alright...and what's your position at this location?" Ryan questioned after scribbling on his form. "I monitor the pumping stations near the extraction sites." Ghen explained, staying on point. "To be more specific, I check to see if they're in need of maintenance, as well as reading the flow rate that's determined by the calculators installed there. If there's too little for what's needed, I pump out more. And if there's too much, I pull it back a little." "Nice...and how long have you been doing it for?" Ryan complimented with a nod. "As of tomorrow, ten years." Ghen replied, voice quickly changing to minor awe once he realized that fact. "Excellent. Do you have anyone in mind you'd like to replace you here?" Ryan questioned after another scribble. "If you don't have anyone, you're free to say so." Ghen took a moment to think it over. A bunch of names went through his mind, but one stuck with him. "Tilik. He's just been accepted here, but he's learned quickly. Very attentive and he always catches something subtle. I think he'll do really well in my position, even better actually." "Tilik, really?" Ryan questioned with a little shock, going through his completed forms. Ghen felt a short sense of panic in him. Did something happen, or was Tilik actually transferring? His answer didn't take long to reveal itself. "Right, Tilik was actually one of the first people to want to transfer here. He's actually requested to be part of the testing teams specifically. Do you have a second choice?" "Um...no, actually." Ghen replied, feeling a little ashamed. "Tilik was my only choice, to be honest." "Hey, don't worry." Ryan said assuringly with his hands raised. "Nothing wrong with that. Sometimes, there's just nobody up to snuff, right? 'Kay, so, last question. Is there anything specific you'd like to do when given the transfer?" "If you need someone monitoring new pumps, I'd be happy to do that." Ghen stated. "So basically same job but with better payoff, am I right?" Ryan grinned. "I hear you. Sometimes, we're just not paid enough for what we're doing. I know I think that sometimes. Uh, our secret, yeah?" "Yeah, our secret." Ghen nodded, thinking it'd be better to have friendly relations with the human, just in case. "Awesome. Back on topic, that's it." Ryan announced, placing the form on his pile. "We'll give you a call when you're accepted." "Oh, uh, that's it?" Ghen questioned with a shrug in shocked surprise. "What, expecting a question like, why do you want to transfer?" Ryan chuckled a bit as he leaned in his seat. "You can bullshit all you want, but we both know the answer. Sweet money and stock options. Not saying that's a bad answer of course, just that it's pretty obvious." "I suppose it is." Ghen commented, realizing the point. "Also, you mentioned this...dividend? Is that for Zilia shares?" Ryan laughed a little bit before nodding. "Yep, announced before I came here. About 0.43 per share. Want to know why that's awesome? Instead of waiting for the proper price to cash out your shares, now? The company pays you for each share you hold." "A...Are you serious?" Ghen demanded, flabbergasted. Ryan nodded with his now-trademark grin. "Dead serious. If you get the transfer, and get those 50,000 shares? A little head math...right, if you hold onto those, in addition to your salary, you'll now annually be paid 21,500 credits, if you keep it at 50,000 shares. Only you can decide to sell or buy shares." Ghen just stood there silent and motionless, no idea of whether to believe it or not, to which Ryan just laughed. Once he walked out of the room, he managed to snap back to reality. Again, just focus on the very real pay-raise. He'll deal with the other parts later. After he returned to his spot, he spotted Tizx approaching by his desk. The coordinator seems to be as casual as always. "I saw you in that line a bit ago, Ghen." He said as he leaned on the desk. "Guess you're really taking that human's word?" "I mean, I don't know about all this share business or what not." Ghen began with a shrug, his tone sounding a little defensive. "But I mean, having a bigger salary? Course I'm going for it when I can. And if all this magic credits turn out to be real? You realize we can live like the royal servants, right? Get the best cars, the nicest food and all that?" "I'd be very careful, Ghen." Tizx warned in a sudden shift in tone. "Don't trust those humans. The way they just...obsess over money? Come up with more and more insane ways of getting credits? I don't know, it just makes my wings twitch." "You think this is a bad idea?" Ghen asked with a little surprise at the change-in-demeanor. "I think you should be careful, with the humans, and with what you're saying." Tizx replied, straightening his posture. "I wouldn't put it past those Earthmen to backstab you if it gets them a few more credits. And we all know how the royal servants get if any of us lowly commoners start thinking we can break into their circle." "I hear you, I'll be on my guard, promise." Ghen stated with a nod. With a confirming nod of his own, Tizx returned back to his duty, walking past Ghen's desk. Several weeks later. Everything became so much better. Ghen got the transfer. He didn't need to relocate to a new residence either. And after he was walked through into learning how to manage his stock account, and seeing that new form of payment in his hands, he already felt as though he made the best decision. But it was only when he decided to take those shares more seriously that he became privy to what he was given. After receiving the dividend payment, and actually seeing it was real, valid credits after transferring it to his main bank account, all he could describe was the most powerful high he ever felt. While his first thoughts were to buy himself a royalty-class car, some nicer furnishings for his home, or even a better home entirely, he ended up going the smarter route. After going back to his stock account, he discovered that Zilia's shares rose to about 3.22 credits in price. Knowing that this was the easiest money he could ever make, he took all of his dividend earnings and bought more shares in Zilia, bringing him to owning 56,891. And from his new regional coordinator, a human named Dylan, tomorrow is the grand release of the premium package. For just a monthly rate of 14.99 credits, the tap water will now include a sizeable portion of all nutrients and vitamins required in the zazk physiology. Still, Ghen has to admit. He's not entirely sure why anybody would want such a thing, if they'd even go for it. But, as long as he's practically swimming in easy credits, he won't pay much attention to it. And just like when he was intensively studying the basics of how the human economy worked, he barely got any sleep. His mind was constantly thinking about the things he would buy. Or rather, what other stocks to put his credits into. Even now he can still hardly believe it. Just spend your money on some, make-believe thing and, if you wait long enough and picked the right stock, you'll get more than you spent back? His mind even wandered onto what human colonies, or even their homeworld, Earth, was like. If everybody was making so much money, what kind of things would they offer? What kind of ridiculous service or product or item can you get? He's even debating on joining some forum and just asking around. Explain how he's new to how humans do things and was wondering what he should expect if he's successful. By the time he felt like he can go to sleep, the binary-stars of the system were rising from the horizon. After getting out of his bed and changing to clean clothes, his mind returned onto what-ifs. What if he bought better clothes? He's had his eye on that human brand of luxury clothes, Tessuti di Venezia, that's been all the rage amongst the royal servants. Or maybe he can go on vacation and just check out Earth for real? It was a short ride to his workplace from his home. After getting stuff his stuff and preparing to walk through the doors, he heard the roar of a car grow louder. When he looked, he saw the sleekest and quite possibly the coolest looking car he's ever seen. Each time the engine revved it would startle him, both from how harsh it sounded as well as just how intense it sounded. And after it parked, he saw the doors pop out and then slide along the body back. And there, he saw Tilik, the seat literally turning and extending out a bit before he got off. As soon as he saw Ghen staring, he struck a rather prideful pose after putting on his lab coat and then sauntered over to Ghen. "What do you think?" Tilik said, without any doubt inviting praise or compliments. "D...Did you actually buy that?" Ghen asked, unable to tear his eyes away from the car. "You're Queens-damn right I did!" Tilik laughed happily. "Thing takes off like a starship, has temperature-controlled seating, all-in-one center console, barely any bouncing on rough roads. Hoof, best decision I've ever made!" "How much did that thing cost?" Ghen asked after letting out an incredulous laugh. "Five million credits." Tilik replied, earning an absolutely shocked stare from Ghen. "And thanks to the incredible salary I have, in addition to all these shares and dividends, I'll pay back the credits I borrowed in no time!" Ghen needed a few moments before he could speak again. "All I've been doing is buying more shares." Tilik laughed and then patted the now-envious monitor's back. "Smart man. I got a little carried away, yeah, but not anymore. Any spending credits I got, going right back to investing. That's what it's called right, investing?" "Yeah, it is." Ghen nodded, feeling a fire light up in his thorax. "And also? Today's the day that the premium water thing is being released. Here's hoping it starts out well, right?" "Oh it will, trust me." Tilik chuckled as they both began making their way inside the workplace. "Lots of research, lots of study. By the Queen, so much of it...it'll make your head spin." And after hearing that, Ghen had a moment of realization. "Hey, Tilik? How did you get such a nice position anyways? Weren't you just studying under me before the humans came along?" Tilik let out a sigh after opening the door. "I'll be honest, I never wanted your job. Not because it's boring or terrible, just...I didn't suffer so many sleepless nights in the science academy just to be a glorified button pusher. This is what I've always wanted. Doing science, solving problems rather than just applying the solution, you know?" "Wait, you got an academic certificate?" Ghen questioned, completely floored. "How did you end up beneath me then? I should've been answering to you!" "Simple." Tilik gave a heavier sigh. "A royal servant was asking for the same job I was. Take a guess at who got it." "Ouch. Good thing the humans came along when they did, yeah?" Ghen was taken aback. He never heard anything about a servant taking a job at his place. "Looks like you're proving yourself to be well suited." "By the Queen, of course I am." Tilik nodded. "Like I said, I nearly broke my wings through so many nights, got certified top of my class, all just to get pushed to the dirt because someone who was born into a particular family wanted the same thing I did? I know I'm smarter than any of those empty-skull servants back in the Center. I know that, whatever, uh...corporate? Yeah, whatever corporate wants out of science, I will xeek give it to them." "Well, let me know how things go in the lab." Ghen said, admiring his drive as they neared the main office floor. "Because this is where the button pusher needs to go." Tilik let out a laugh as he nodded. "Hey, how about we meet up at Queen's Fine Eatery tonight. I'll pay, yeah?" Ghen, at first, wanted to admonish him for choosing such an outrageously expensive place to go. But he quickly realized that, he truly is good for it, thanks to the humans. "Well, hey, if you're paying for it." ... It was a fantastic opening. After being told what news sites to keep in mind for stocks, he first heard it from Dylan, and then got more detail on Business Today. There was such a massive demand right from the start that Zilia needs to increase extraction just to meet it. But what really got his attention was the effect it had. Zilia Water Delivery's share price just blasted off. After seemingly holding steady at about 3.15, by the time he got home and logged onto his account, it already reached 7.04 a share. The calculator on his account told him that he got a value-gain of 54.26%. Never in his entire life had he felt such...joy. With all of the shares he currently has? He's sitting at 400,512.64 credits. He knows that it is woefully pathetic compared to what the royal servants have just in their pockets, but the fact that he has such money, just by owning some intangible concept? Why even work at Zilia? Why doesn't he just sit at home, figure out what companies to invest in and make his money that way? What's even the point in working a real job, getting a pathetic pay when you can just take the money you have, determine where to spend it, and get triple back? All just sitting on your wings at home, researching? He was so wrapped up in his excited high that he completely forgot he was going to meet Tilik at Queen's. After quickly and haphazardly putting on his nicer clothes, he got to the place only a few minutes late. Tilik was there by the guide, no doubt having been waiting for him. As soon as he strode up, Tilik's wings stiffned out some. No doubt he must've seen the numbers as well. "I can see your wings, Ghen." Tilik began with an excited chuckle. "Made some serious credits?" Ghen let out an incredulous scoff, struggling to find the words for a moment. "Incredible. All I'm going to say." "Likewise." Tilik chortled some before nodding to the table guide. "All here. Table please?" "Right this way, sir." The guide said politely. It was a short walk, travelling between round tables. The vast majority were populated by zazk, but Ghen was surprised at seeing a few humans here as well. No doubt corporate workers checking out the local food. He did spot them having bowls filled with some kind of mass. Some were brown, others white with what looks to be black specks on them. They arrived at their table. A rather nice one, affording a view out the windows into the busy colony streets. Once Tilik and Ghen settled in, the guide handed out the menus. "May I suggest our rather popular option for tonight?" The guide began. "Human ice-cream. Ingredients sourced from Earth itself. Very cold, but incredibly sweet, and coming in many flavors. The most popular amongst us is called vanilla-bean. The vanilla itself soaks in the cream for much of the process, and then the innards sprinkled on top of it near the end. Rumor has it that the Queen herself has demanded personal shipments of such a treat straight from the home of vanilla, an island on Earth named Madagascar." Ghen didn't even spare a single thought. "Vanilla bean ice cream then, please." "Same." Tilik seconded when the guide glanced to him. With a slight bow, the guide proceeded to ferry their orders to the kitchen. Thankfully it was just a short wait before the guide returned, carrying a large plate containing bowls of ice cream. Ghen could feel the saliva on his mandibles as the bowl was placed before them. He could just feel the cold air around that glistening mass of sugary goodness. The white snow decorated with the black dots of vanilla bean. Once the guide left them, Tilik and Ghen both dived in at the same time. As soon as the ice cream entered his mouth, touched his tongue, he exploded in incomprehensible bliss. The sweetness, the smooth and creamy mass, even the taste of vanilla he wasn't sure about was just absolutely delightful. It was so overwhelming that his entire body limped, slumping in his seat as he was forced to ride on the surging tide of joy and happiness sweeping over him. Tilik was no different. He too was taken completely by the effects of the ice cream, his wings fluttering some against the seat. Ghen could hear some noise. It was the humans they passed by. They were chuckling, grinning, and glancing over at them discreetly. Unlike the two zazk, the humans seemingly just enjoyed the ice cream as if it was just another nice dessert to them. Or perhaps they couldn't allow themselves to succumb to the high? And as soon as the wave of indescribable bliss and happiness subsided, Ghen knew. He just knew. This was the life. He wanted this. The ice cream was just the beginning. So many things denied because he didn't have the credits, or worse, not the blood. Because he was just a drone in the great Collective, even if he had the credits, he wasn't allowed because of what caste he was born in. That fire that sparked in him when he saw Tilik's new car? It exploded into a raging firestorm. And when looking into Tilik's eyes, Ghen could see the same. He was on the same page as Ghen was. Both of them were sold. They have the credits. And the humans? If you can pay for it, they'll never discriminate. All they cared about is if you have the money. And by the Queen, Ghen and Tilik will endeavor to amass as much credits as physically possible. The rest of the night faded into a blur. A blur that evokes only one thing. Bliss. It was only when he walked through the door of his pathetic hut that Ghen's mind snapped back to focus. His mandibles felt sticky. And he felt a weight in his stomach. How much ice cream did he eat? Whatever it was, he ate such volume that the lower-section of his throax extended and rounded out, visible even under his shirt. He felt something odd in his pocket. It was a receipt. 43,000 credits for ten bowls of vanilla bean ice cream. Was that ten bowls for both of them? Or individually? Ghen didn't care. He's good for it. Returning back to his calculator, he acted upon the decision that he had made at that eatery. He's acquiring as many books about investing and stock trading as he could find, frequent and study all the discussions and arguments presented by other like-minded individuals such as he, all to ensure he can live the good life. And he had a very good feeling Tilik was doing the exact same thing. Well, first, the gurgling in his stomach, as well as the feeling of something rising demanded his attention. Looks like he'll need to take the night off to let his stomach get back to normal. Three Years Later. Ghen looked out beyond the horizon, seeing the colony that he grew up in. On the far side was where his old house was. With only a simple robe on, made from the finest silk from Earth's nation-state of China, he relaxed in his seat. It was a long road. Stockpiling credits from pre-existing investments and from subsequent pays, he and Tilik made it. From having only half a million in assets and cash, now transformed to over eight-hundred million. And now, his call contracts on American Interstellar? They've just announced a breakthrough in their next generation of warp drives, reducing the speed coefficient even further, resulting in far faster travel. And with that, their stock price climbed sharply. Another hundred million credits in the bank. Soon, very soon, he and Tilik are about to become the galaxy's first zazk billionares. But that's not enough. There are many humans who are billionares. Only those he can count on one hand are considered trillionares. He's going to break into that circle. He and Tilik. Looking beyond the colony, he saw the abandoned building of the workplace he transferred to when the humans arrived. Turns out, the reason for such a high demand was that the humans also slipped in sugar to the tap water. As soon as that broke, many influential royal servants demanded investigations and outright banning of Terran Galactic Company's influence over the former government division. Zilia's stock price plummeted. But thanks to an advance tip from his human coordinator, Dylan, he and Tilik made a put contract. And that's where they struck gold, as the human saying goes. Dylan warned that if they were citizens of the United Nations, they'd be investigated and convicted for insider trading. But, since they weren't, and the Collective were only just introduced to capitalism, there's no risk at all. Now the colony is going through a withdrawal phase, Zilia has been dissolved and reformed back as a government division and are currently at work re-establishing the standard, plain water delivery. "Well, shit." Tilik muttered as he walked up to Ghen's side, taking well to human speech. "Looks like you win. American Interstellar's announcement really was a good thing. There goes a million credits. Ah well, the Royal Shipyards will make it back for me soon." "Oh? Did they just go corporate?" Ghen asked curiously, glancing to Tilik. "Hell yeah they did." Tilik chuckled, sitting down. "Queen and her retard servants fought it hard, but Royal Shipyards is now officially a human-style corporation. And, to a surprise to all the xenophobes in the galaxy, they're already being offered contracts for ship production. That'll raise the stock price pretty good." "What's that human word...?" Ghen muttered, already having a reply in mind. "Dick? Yeah, calls or suck my dick, Tilik." Tilik roared in laughter. "Already made them. Forty credits a share by this day next month." "I have half a mind to go thirty." Ghen chuckled. "Either way, until then, I heard from Dylan that he knows a guy who knows several prime human women who happen to be into zazk." "You're interested in women?" Tilik said as his wings fluttered. "With how often you tell me to suck you off, I'd have thought differently." "Oh, I always thought it was you who was into men." Ghen responded dryly. "Just wanted to be a good friend, you know? Considering how you never seem to make it past, Hey sweet thing, I'm rich you know." "Oh, go fuck yourself." Tilik countered with a little laugh. After he stopped, wings stiffened, he looked to Ghen. "So, know any royal servants we can put the squeeze on for more revenue streams?" "I got just the one." Ghen nodded, sitting up. "Fzik. He's been fighting to control the ice cream trade. Worried it's a corrupting influence. Got done talking with the human CEO of Nestle earlier. If we clear the way, he'll know how to squeeze a little more gains in stock price when he makes the announcement." Tilik's wings stiffened even more, signaling his approval. "Alright, time to throw some credits around, yeah?" AN: Sorry for the period of no updates. College is starting up, lots of stuff to clear and work out. Not sure why but I just got a bug up my butt about incorporating money and the stock market into a short. Here it is. Sorry if it seems abrupt, character limit fast approaching. Let me know how you guys think about it!
WotV PvP Tactics & Mentality - Six Months of Mediena Bombs & how the Meta Evolves in PvP
*** Registration is Now Open until 9/15 for the latest Live PvP tournament, organized by u/LongTimeGaming. There is no entry fee and everyone is guaranteed at least five rounds of combat! Please PM him or myself for details on how to register! *** For today's entry I want to discuss one of the stronger live PvP strategies currently floating around the meta, particularly at the higher player ranks or with whales smurfing at lower ranks: The Medi (Mediena) Bomb.
The Medi bomb, as it currently exists, comprises three major components: a Shukuchi Mediena, Agility, and as much Magic/Magic Attack equipment and VCs as can be mustered together. If you take away any of these components the win probability of the strategy plummets. Let's examine each in turn:
Shukuchi (and forward deployment) - Without Shukuchi and pushing Medi as far forward as you can you leave a lot of squares open where the enemy team can be hiding. No highly competitive team in live PvP is sticking to the default 'three across' formation!
Agility - Medi's main weakness is her fragility. If Medi doesn't go first there's the chance that the opponent will have a high speed unit in place to OHKO Medi (i.e., Frederika) or will at least be able to reposition their faster units out of Medi's threat range. Shadow Runner on a Medi is a must of course, but VCs that yield AGI are crucial as well.
Magic Attack - Being able to OHKO at least one enemy unit is essential - a unit with 1 HP is as dangerous as a unit with 4000 HP. A Platinum Rod +5, and a high level Trousseau are the most important elements. Mag from Ramuh is useful. You won't have Medi's own mag passive available due to needing Speed + Movement.
Responses to the Medi Bomb - Sample Formations
So here are some sample formations I whipped up - note the screenshots are composites from my main account so levels and etc. are not going to be optimal. There are many variations possible, these are just starting points! Option 1 - Go Faster than Medi Gunner Girls that are faster than a Medi Bomb are close to a guaranteed win! The hardest counter to Medi bomb is a Fred that's faster than her - A properly kitted Fred can OHKO a Medi with sharpshoot off the bat without any external buffs. Because Medi + AGI VC is always faster then a Fred without, you will need to put AGI cards of your own on top of your Fred to ensure you go before the enemy Medi does. Option 2 - Be able to survive the Plume This is the second picture here - the first one had an impossible setup for Rain due to my photoshopping (I don't own Rain). There are of course characters that can survive a plume, even a plume from a super whaled out Medi. Rain is one of these - he's a magic tank off the bat and he has elemental advantage to Medi. Ayaka can stand your viktora back up post plume while Rain can OHKO the Medi. Option 3 - Be able to Evade the Plume Miranda is a super useful utility placeholder for these formations Vinera is pretty popular in live pvp these days due to her combination of speed, power, and high evade. She is essentially unhittable to teams that haven't geared with guaranteed hit options or stacked as much ACC as they can. I don't have a leveled up Vinera to test the above combination for exact hit percentages but an unbuffed Vinera should have about 150-200 evade depending on cards. Not exactly easy to hit with a plume!
A Brief History of the Medi Bomb
Finally, the changes in popularity to the Medi Bomb through time exemplifies the essential elements that define the 'meta' in live PvP: the outcome to nearly every match is a binary win or loss. Any team that is slightly better than another will win almost all the time holding all over elements equal. Medi's evolution in live pvp shows this perfectly. In the first weeks of WotV, Medi bombs were one of the most common formations available. Medi was I think the fastest launch character and once she hit level 40 she could OHKO most other units common at the time that were also at level 40 (Mont, Sterne, etc.). This meant that Medi could just run up and drop the other team. Lots and lots of Medi v Medi engagements were happening and Medi's dominance in PvE and PvP was often remarked on by jokes or commentary here and elsewhere. Flash forward to the FFT event or so and Medi bombs disappeared from competitive play. Two things happened: Frederika and increasing toughness of teams. Fred, as I said before, is a hard counter to Medi as long as she goes first and at this stage in the game almost no one had high AGI VCs so Freds melted Medis off the live PvP scene. A secondary effect was that everyone was getting to level 99 on their mains and starting to amass TMRs - Medi stopped being able to OHKO units. Medi Bombs stayed quiet for the months following FFT until Platinum Rod came out, then whales with +15% AGI off the House Beolve card could go first in most engagements and do enough damage to OHKO broad swaths of units. Now with FFT2 almost done plenty of dolphins or even minnows/f2p willing to proc 5-6 whimseys per day can have their 15% AGI cards so Medi bombs are more accessible. Essentially, the meta is an unstable equilibrium defined by a complex set of inputs and that binary output of winning/losing. As soon as Medi is one AGI slower then her hard counter *and that hard counter is common* she becomes worthless. Same with the tipping point between OHKO and survival. Right now medi bombs are fast and powerful - therefore viable against many team comps. Well that wraps up today's post - this one turned out to be longer than I was expecting. Let me know if its too long in the comments and if you have any suggestions for future topics that you'd like a detailed breakdown on please let me know! ------------------------------------------------ WotV PvP Tactics & Mentality is an irregularly updated series of posts about the most neglected aspect of WotV: Live PvP If you liked this post, feel read to my previous entries in the series:
Bug Fables is Paper Mario TTYD but a little better AND a little worse - and that's high praise!
Lil intro: So Bug Fables: The Everlasting Sapling is an indie game, put together by Panamanian dev duo Moonsprout Games, to follow the legacy of the original two Paper Mario games. Now as someone who would name Paper Mario 2 in my top 5 games since it came out in 2004, I'm happy to report Bug Fables is an excellent successor to that legacy and the few negative comparisons that can be made seem to me to be the result of the difference in scale of available resources between Nintendo and Moonsprout. The prologue and first chapter introduce the explorers league and the three main characters who enlist together to further their own goals, which are given time to gestate while the world and characters are established. The player characters, a standard trio of an honour-bound knight, a feisty rogue, and a dry humoured, aloof mage, are tasked with adventuring across the lands of Bugaria to collect MacGuffins by the Ant Queen's royal blade Maki. This typical plotline is interrupted and diverted in interesting ways, and the trio of different attitudes keep the dialogue fresh. It's especially nice to see the trio's dynamic shifting as they grow closer. All this to say the writing is about on par with Paper Mario 2, what it lacks in (comparative!) charm it makes up with in coherence. The better: There's a lot in this game that could be pulled pretty directly from its inspirations, but in many cases those ideas have been reinterpreted to suit Bug Fable's setting, characters, and unique aspects. This starts with the three main characters allowing a good amount of customization via levelups and badges, which in turn allows for a large variety of strategies to be employed in combat. This is improved by Bug Fables excellent badge selection; very few (often expensive) badges only add power and most badges include trade-offs or otherwise incentivize normally unusual strategies. This deeply strengthens the customization by eliminating the obvious choices for all situations that the Paper Mario games had. Another large improvement was the use of the trio with the Tattle function, allowing every NPC, enemy, and room to be an opportunity for optional characterization between the teammates. Comparatively, in the Paper Mario games this characterization was limited to Goombario and Goombella, with cutscenes being the only chance other partners could be characters at all - often interchangeably. Often in Bug Fables I would extend a boss fight just so I could hear each of the trio's reaction to the enemy. Beyond that, many features just seem so much more streamlined than in the Paper Marios: the transit systems fit better into the world and were available sooner though money-gated early on to preserve difficulty, the game economy was balanced to allow for resource scarcity or exploitation without either being tedious as well as having purchases worth saving up for, and a lot of freedom in where and how to travel is given remarkably early on which allows for certain items or badges to be rushed. Best of all, a lot of the lore, world building, and characterization is optional, allowing for uninterested players, replayers, or speedrunners to bypass many walls of text. So many features like these struck me as something a dev would include in a post-release patch, and they make the game much smoother to play. Lastly, the biggest improvement for me was the difficulty: after the first battle a zero cost Hard Mode badge becomes an option, which keeps the battles threatening til lategame. This is such an important improvement as it turns the early game into a resource balancing act, which encourages thoughtful battling, using the cooking system, and creating badge builds. Unlike in Paper Mario, items are relevant all game long with the best items being simple, if expensive, cooked items that won't win fights on their own. Also, superblocking reduces damage by 1 more than blocking, removing the binary "all or nothing" aspect of superguarding. The only times combat felt unfair was when one enemy had an unpreventable, single target status effect which twice caused me to lose by unluckily targeting my buffed bug, and another when a rapid shot status ailment attack one-shot my tank after a marathon of battling. Additional difficulty options are also available, tho I haven't play around with them yet. The worse: The "in the field" controls are somewhat finicky, especially when the camera angle in large or curved rooms adjusts as you move. Additionally, most field skills are usable 360 degrees around the leading character, as opposed to Mario skills which usually are restricted to Mario's direct left or right. This can lead to some spatial confusion, as positioning 2D character models to use 2D animations in a 3D environment can be frustrating - dodging enemy shots while trying to engage in combat comes to mind. This is also true of several platforming puzzles; solving the puzzle was frequently much easier than executing the solution. While this was barely an issue that took longer than a minute, I could see how it could be frustrating, especially without certain badges. I also felt that a lot of the decorations in areas could have questionable physics models. Poking around behind foreground or midground items could feel awkward, as their meshes sometimes didn't feel like what the graphics reflected - especially when the item was large enough for the backside of the object to have to be assumed. Lastly, some of the side content felt unfleshed-out: interesting characters used for a single fetch quest or function, cool side areas with a single purpose, or just unused potential like a sea with two islands. Add to this that the enemy variety was good for the story (exactly one instance of palate swaps, and one area of mostly reused enemies) but lacking for side areas, and my biggest problem with the game is there isn't slightly more of it. Also: The music is consistently great, with very few songs not memorably contributing to an area/event's mood. Midway thru the game, the battle music changes to reflect the upped stakes and that's just great. Snakemouth Den and several boss tracks being standouts for me. Conclusion: With Bug Fables being an indie dev game as well as a first release its possible the 1.1 patch and/or DLC could change some of the rougher parts, but even besides this it is a solidly great game within the genre. With a bit of sequel baiting sprinkled into the endgame, I'm very impressed by Moonsprout and I may actually change my Sticker Star created rule to never, ever preorder once Bug Fables 2 is announced. If the improvement between this game and its sequel is as big as between the Paper Marios, it could easily be my favourite game of all time.
Retard Bot Update 2: What is there to show for six months of work?
What is there to show? Not shit, that's why I made this pretty 4K desktop background instead: 4K On the real: I've been developing this project like 6 months now, what's up? Where's that video update I promised, showing off the Bot Builder? Is an end in sight? Yes sort of. I back-tested 6 months of data at over 21% on a net SPY-neutral, six month span of time (with similar results on a 16 year span) including 2 bear, 2 bull, 2 crab months. But that's not good enough to be sure / reliable. I had gotten so focused on keeping the project pretty and making a video update that I was putting off major, breaking changes that I needed to make. The best quant fund ever made, the Medallion fund, was once capable of roughly 60% per year consistently, but in Retard Bot's case 1.5% compounded weekly. "But I make 60% on one yolo" sure whatever, can you do it again every year, with 100% of your capital, where failure means losing everything? If you could, you'd be loading your Lambo onto your Yacht right now instead of reading this autistic shit.
The End Goal
1.5% compounded weekly average is $25K -> $57M in 10 years, securing a fairly comfortable retirement for your wife's boyfriend. It's a stupidly ambitious goal. My strategy to pull it off is actually pretty simple. If you look at charts for the best performing stocks over the past 10 years, you'll find that good companies move in the same general trajectory more often than they don't. This means the stock market moves with momentum. I developed a simple equation to conservatively predict good companies movements one week into the future by hand, and made 100%+ returns 3 weeks in a row. Doing the math took time, and I realized a computer could do much more complex math, on every stock, much more efficiently, so I developed a bot and it did 100% for 3 consecutive weeks, buying calls in a bull-market. See the problem there? The returns were good but they were based on a biased model. The model would pick the most efficient plays on the market if it didn't take a severe downturn. But if it did, the strategy would stop working. I needed to extrapolate my strategy into a multi-model approach that could profit on momentum during all different types of market movement. And so I bought 16 years of option chain data and started studying the concept of momentum based quantitative analysis. As I spent more and more weeks thinking about it, I identified more aspects of the problem and more ways to solve it. But no matter how I might think to design algorithms to fundamentally achieve a quantitative approach, I knew that my arbitrary weights and variables and values and decisions could not possibly be the best ones.
Why Retard Bot Might Work
So I approached the problem from all angles, every conceivable way to glean reliably useful quantitative information about a stock's movement and combine it all into a single outcome of trade decisions, and every variable, every decision, every model was a fluid variable that machine learning, via the process of Evolution could randomly mutate until perfection. And in doing so, I had to fundamentally avoid any method of testing my results that could be based on a bias. For example, just because a strategy back-tests at 40% consistent yearly returns on the past 16 years of market movement doesn't mean it would do so for the next 16 years, since the market could completely end its bull-run and spend the next 16 years falling. Improbable, but for a strategy outcome that can be trusted to perform consistently, we have to assume nothing. So that's how Retard Bot works. It assumes absolutely nothing about anything that can't be proven as a fundamental, statistical truth. It uses rigorous machine learning to develop fundamental concepts into reliable, fine tuned decision layers that make models which are controlled by a market-environment-aware Genius layer that allocates resources accordingly, and ultimately through a very complex 18 step process of iterative ML produces a top contender through the process of Evolution, avoiding all possible bias. And then it starts over and does it again, and again, continuing for eternity, recording improved models when it discovers them.
The Current Development Phase
Or... That's how it would work, in theory, if my program wasn't severely limited by the inadequate infrastructure I built it with. When I bought 16 years of data, 2TB compressed to its most efficient binary representation, I thought I could use a traditional database like MongoDB to store and load the option chains. It's way too slow. So here's where I've ended up this past week: It was time to rip off the bandaid and rebuild some performance infrastructure (the database and decision stack) that was seriously holding me back from testing the project properly. Using MongoDB, which has to pack and unpack data up and down the 7 layer OSI model, it took an hour to test one model for one year. I need to test millions of models for 16 years, thousands of times over. I knew how to do that, so instead of focusing on keeping things stable so I could show you guys some pretty graphs n shit, I broke down the beast and started rebuilding with a pure memory caching approach that will load the options chains thousands of times faster than MongoDB queries. And instead of running one model, one decision layer at a time on the CPU, the new GPU accelerated decision stack design will let me run hundreds of decision layers on millions of models in a handful of milliseconds. Many, many orders of magnitude better performance, and I can finally make the project as powerful as it was supposed to be. I'm confident that with these upgrades, I'll be able to hit the goal of 60% consistent returns per year. I'll work this goddamn problem for a year if I have to. I have, in the process of trying to become an entrepreneur, planned project after project and given up half way through when it got too hard, or a partner quit, or someone else launched something better. I will not give up on this one, if it takes the rest of the year or five more. But I don't think it'll come to that. Even with the 20% I've already achieved, if I can demonstrate that in live trading, that's already really good, so there's not really any risk of real failure at this point. But I will, regardless, finish developing the vision I have for Retard Bot and Bidrate Renaissance before I'm satisfied.
Forex Signals Reddit: top providers review (part 1)
Forex Signals - TOP Best Services. Checked!
To invest in the financial markets, we must acquire good tools that help us carry out our operations in the best possible way. In this sense, we always talk about the importance of brokers, however, signal systems must also be taken into account. The platforms that offer signals to invest in forex provide us with alerts that will help us in a significant way to be able to carry out successful operations. For this reason, we are going to tell you about the importance of these alerts in relation to the trading we carry out, because, without a doubt, this type of system will provide us with very good information to invest at the right time and in the best assets in the different markets. financial Within this context, we will focus on Forex signals, since it is the most important market in the world, since in it, multiple transactions are carried out on a daily basis, hence the importance of having an alert system that offers us all the necessary data to invest in currencies. Also, as we all already know, cryptocurrencies have become a very popular alternative to investing in traditional currencies. Therefore, some trading services/tools have emerged that help us to carry out successful operations in this particular market. In the following points, we will detail everything you need to know to start operating in the financial markets using trading signals: what are signals, how do they work, because they are a very powerful help, etc. Let's go there!
What are Forex Trading Signals?
https://preview.redd.it/vjdnt1qrpny51.jpg?width=640&format=pjpg&auto=webp&s=bc541fc996701e5b4dd940abed610b59456a5625 Before explaining the importance of Forex signals, let's start by making a small note so that we know what exactly these alerts are. Thus, we will know that the signals on the currency market are received by traders to know all the information that concerns Forex, both for assets and for the market itself. These alerts allow us to know the movements that occur in the Forex market and the changes that occur in the different currency pairs. But the great advantage that this type of system gives us is that they provide us with the necessary information, to know when is the right time to carry out our investments.
In other words, through these signals, we will know the opportunities that are presented in the market and we will be able to carry out operations that can become quite profitable.
Profitability is precisely another of the fundamental aspects that must be taken into account when we talk about Forex signals since the vast majority of these alerts offer fairly reliable data on assets. Similarly, these signals can also provide us with recommendations or advice to make our operations more successful.
»Purpose: predict movements to carry out Profitable Operations
In short, Forex signal systems aim to predict the behavior that the different assets that are in the market will present and this is achieved thanks to new technologies, the creation of specialized software, and of course, the work of financial experts. In addition, it must also be borne in mind that the reliability of these alerts largely lies in the fact that they are prepared by financial professionals. So they turn out to be a perfect tool so that our investments can bring us a greater number of benefits.
The best signal services today
We are going to tell you about the 3 main alert system services that we currently have on the market. There are many more, but I can assure these are not scams and are reliable. Of course, not 100% of trades will be a winner, so please make sure you apply proper money management and risk management system.
1. 1000pipbuilder (top choice)
Fast track your success and follow the high-performance Forex signals from 1000pip Builder. These Forex signals are rated 5 stars on Investing.com, so you can follow every signal with confidence. All signals are sent by a professional trader with over 10 years investment experience. This is a unique opportunity to see with your own eyes how a professional Forex trader trades the markets. The 1000pip Builder Membership is ordinarily a signal service for Forex trading. You will get all the facts you need to successfully comply with the trading signals, set your stop loss and take earnings as well as additional techniques and techniques! You will get easy to use trading indicators for Forex Trades, including your entry, stop loss and take profit. Overall, the earnings target per months is 350 Pips, depending on your funding this can be a high profit per month! (In fact, there is by no means a guarantee, but the past months had been all between 600 – 1000 Pips). >>>Know more about 1000pipbuilder Your 1000pip builder membership gives you all in hand you want to start trading Forex with success. Read the directions and wait for the first signals. You can trade them inside your demo account first, so you can take a look at the performance before you make investments real money! Features:
Forex signals sent by email and SMS
Entry price, take profit and stop loss provided
Suitable for all time zones (signals sent over 24 hours)
Digital Derivatives Markets (DDMarkets) have been providing trade alert offerings since May 2014 - fully documenting their change ideas in an open and transparent manner. September 2020 performance report for DD Markets. Their manner is simple: carry out extensive research, share their evaluation and then deliver a trading sign when triggered. Once issued, daily updates on the trade are despatched to members via email. It's essential to note that DDMarkets do not tolerate floating in an open drawdown in an effort to earnings at any cost - a common method used by less professional providers to 'fudge' performance statistics. Verified Statistics: Not independently verified. Price: plans from $74.40 per month. Year Founded: 2014 Suitable for Beginners: Yes, (includes handy to follow trade analysis) VISIT -------
If you are looking or a forex signal service with a reliable (and profitable) music record you can't go previous Joel Kruger and the team at JKonFX. Trading performance file for JKonFX. Joel has delivered a reputable +59.18% journal performance for 2016, imparting real-time technical and fundamental insights, in an extremely obvious manner, to their 30,000+ subscriber base. Considered a low-frequency trader, alerts are only a small phase of the overall JKonFX subscription. If you're searching for hundreds of signals, you may want to consider other options. Verified Statistics: Not independently verified. Price: plans from $30 per month. Year Founded: 2014 Suitable for Beginners: Yes, (includes convenient to follow videos updates). VISIT
The importance of signals to invest in Forex
Once we have known what Forex signals are, we must comment on the importance of these alerts in relation to our operations. As we have already told you in the previous paragraph, having a system of signals to be able to invest is quite advantageous, since, through these alerts, we will obtain quality information so that our operations end up being a true success.
»Use of signals for beginners and experts
In this sense, we have to say that one of the main advantages of Forex signals is that they can be used by both beginners and trading professionals. As many as others can benefit from using a trading signal system because the more information and resources we have in our hands. The greater probability of success we will have. Let's see how beginners and experts can take advantage of alerts:
Beginners: for inexperienced these alerts become even more important since they will thus have an additional tool that will guide them to carry out all operations in the Forex market.
Professionals: In the same way, professionals are also recommended to make use of these alerts, so they have adequate information to continue bringing their investments to fruition.
Now that we know that both beginners and experts can use forex signals to invest, let's see what other advantages they have.
When we dedicate ourselves to working in the financial world, none of us can spend 24 hours in front of the computer waiting to perform the perfect operation, it is impossible. That is why Forex signals are important, because, in order to carry out our investments, all we will have to do is wait for those signals to arrive, be attentive to all the alerts we receive, and thus, operate at the right time according to the opportunities that have arisen. It is fantastic to have a tool like this one that makes our work easier in this regard.
»Carry out profitable Forex operations
These signals are also important, because the vast majority of them are usually quite profitable, for this reason, we must get an alert system that provides us with accurate information so that our operations can bring us great benefits. But in addition, these Forex signals have an added value and that is that they are very easy to understand, therefore, we will have a very useful tool at hand that will not be complicated and will end up being a very beneficial weapon for us.
»Decision support analysis
A system of currency market signals is also very important because it will help us to make our subsequent decisions. We cannot forget that, to carry out any type of operation in this market, previously, we must meditate well and know the exact moment when we will know that our investments are going to bring us profits . Therefore, all the information provided by these alerts will be a fantastic basis for future operations that we are going to carry out.
»Trading Signals made by professionals
Finally, we have to recall the idea that these signals are made by the best professionals. Financial experts who know perfectly how to analyze the movements that occur in the market and changes in prices. Hence the importance of alerts, since they are very reliable and are presented as a necessary tool to operate in Forex and that our operations are as profitable as possible.
What should a signal provider be like?
https://preview.redd.it/j0ne51jypny51.png?width=640&format=png&auto=webp&s=5578ff4c42bd63d5b6950fc6401a5be94b97aa7f As you have seen, Forex signal systems are really important for our operations to bring us many benefits. For this reason, at present, there are multiple platforms that offer us these financial services so that investing in currencies is very simple and fast. Before telling you about the main services that we currently have available in the market, it is recommended that you know what are the main characteristics that a good signal provider should have, so that, at the time of your choice, you are clear that you have selected one of the best systems.
»Must send us information on the main currency pairs
In this sense, one of the first things we have to comment on is that a good signal provider, at a minimum, must send us alerts that offer us information about the 6 main currencies, in this case, we refer to the euro, dollar, The pound, the yen, the Swiss franc, and the Canadian dollar. Of course, the data you provide us will be related to the pairs that make up all these currencies. Although we can also find systems that offer us information about other minorities, but as we have said, at a minimum, we must know these 6.
»Trading tools to operate better
Likewise, signal providers must also provide us with a large number of tools so that we can learn more about the Forex market.
We refer, for example, to technical analysis above all, which will help us to develop our own strategies to be able to operate in this market.
These analyzes are always prepared by professionals and study, mainly, the assets that we have available to invest.
»Different Forex signals reception channels
They must also make available to us different ways through which they will send us the Forex signals, the usual thing is that we can acquire them through the platform's website, or by a text message and even through our email. In addition, it is recommended that the signal system we choose sends us a large number of alerts throughout the day, in order to have a wide range of possibilities.
»Free account and customer service
Other aspects that we must take into account to choose a good signal provider is whether we have the option of receiving, for a limited time, alerts for free or the profitability of the signals they emit to us. Similarly, a final aspect that we must emphasize is that a good signal system must also have excellent customer service, which is available to us 24 hours a day and that we can contact them at through an email, a phone number, or a live chat, for greater immediacy. Well, having said all this, in our last section we are going to tell you which are the best services currently on the market. That is, the most suitable Forex signal platforms to be able to work with them and carry out good operations. In this case, we will talk about ForexPro Signals, 365 Signals and Binary Signals.
Forex Signals Reddit: conclusion
To be able to invest properly in the Forex market, it is convenient that we get a signal system that provides us with all the necessary information about this market. It must be remembered that Forex is a very volatile market and therefore, many movements tend to occur quickly. Asset prices can change in a matter of seconds, hence the importance of having a system that helps us analyze the market and thus know, what is the right time for us to start operating. Therefore, although there are currently many signal systems that can offer us good services, the three that we have mentioned above are the ones that are best valued by users, which is why they are the best signal providers that we can choose to carry out. our investments. Most of these alerts are quite profitable and in addition, these systems usually emit a large number of signals per day with full guarantees. For all this, SignalsForexPro, Signals365, or SignalsBinary are presented as fundamental tools so that we can obtain a greater number of benefits when we carry out our operations in the currency market.
NOTE: I'm pasting this guide from where I originally found it, over on Studentloandefaulters. It was originally pasted there from someone who found it after the original was deleted.
Student Loan Default: The Guide (reuploaded)
📷 The original guide that was recently deleted here:https://www.reddit.com/studentloandefaulters/comments/cg1fd7/student_loan_default_a_guide/ I take no credit for this post, just happened to have it saved in a document and thought I'd be doing an injustice by not sharing this information once I saw the original post was missing! All credit goes to the original author, and without further ado... Student Loan Default: A Guide I’ve been wanting to write this for a long time, and seeing that person be in $500,000 of debt and no one really helping him on studentloans, I felt it was time to summarize everything I’ve learned. While there is great information on this sub, it is not centralized. It requires some digging. I hope now to bring all of it to the surface. Definitions: Strategic Default: When a borrower realizes that he or she can spend less money by not paying a loan. The borrower waits out the statute of limitations and then either settles or waits the debt out. Shills: People who are paid to prevent the spread of student loan default information Statute of Limitations: The number of years your state requires before a debt can no longer be collected. Cosigner: The poor person who is just as legally required to pay your loans as you are Foreign Earned Income Tax Exclusion: A tax rule that states any US citizen can earn up to about $100,000 a year in another country and report their US taxes as 0. Fraudulent Transfer: When a party tries to move assets to someone else in order to avoid a lien on their property. Lien: Essentially when the government slaps a bill onto your property forcing you to pay off a debt before you can sell the property. Income Based Repayment (IBR): Federal loans can be paid with 15% of your discretionary income (money earned after taxes) instead of a higher, unpayable amount Aggregate Student Loan Limit: The total amount a student can take out before the federal government or a private lender stops authorizing new loans Wage Garnishment: When a court forces your employer to take out a certain percentage of your paycheck to pay back a debt Bank Levy: When the government or a court takes all of the money directly out of your bank account to pay a debt Private Loans: Loans that originate from anyone but the federal government. These loans have a statute of limitations and less power but higher interest rates. Federal Loans: These loans have no statute of limitations, the government can collect anything you earn to get these back, and they come with IBR which is manageable Sallie Mae: The worst private lender on the market. They only offer deferment for four short years. Forbearance: A period where you do not have to pay your student loans, but interest accrues. Deferment: A period where you do not have to pay your student loans, but interest does not accrue. Credit Score: A number that tells people how responsible of a borrower you are. Student Loan Tax Bomb: After you have paid for 10 - 25 years on your federal loans, you are forgiven the rest. That is considered income by the IRS. You then add this “income” to your regular income for the year and pay the tax. It can be over $10,000. Insolvency: When you are unable to pay your debts. This works well for defusing the student loan tax bomb. Public Service Loan Forgiveness: If you work for 10 years at a government job, you can get your entire federal student loan balance forgiven. In 2019, the feds are making it near impossible to collect. This could change. A note on cosigners before we begin: Look, your cosigner is probably going to be very mad at you. Prepare for your relationship to be strained. You need to try and get them on the same page as you, and I do offer a tactic here to at least shift all of the financial burden off of your cosigner below. If you decide to do any of these tactics without getting your cosigner off the hook, there could be more risk involved if you or your cosigners have a lot of assets. Strategy Student loan default is a strategy. And to have a good strategy, one must plan as much as possible. You have to know all of your options. While strategy is your overall game plan, tactics are the individual options you have to get your strategy accomplished. Below are the tactics that you can employ to beat the student loan companies. Tactics Paying Your Loans: [low risk] In the rare chance you have anywhere between $1,000 to $20,000 in federal student loans and you have completed your bachelor’s degree, you should probably just pay the damn loans. All you have to do is set up an auto debit and forget about it. It will be about 15% of your income. You really want to try and avoid consolidating if you can, because it will count against some of your IBR payments. You would also lose your grace period if you did this. At the end of 10 to 25 years, you will be forgiven all of the loan amount you did not pay. That forgiven amount is considered income by the IRS, so you will be put into a higher tax bracket. I would get an accountant when this comes. In your case, your tax bomb will be low enough where you could probably just pay it. If you want to really shake things up though, you are welcome to try either the Asset Creation Tactic or the Madlad Method below. Here is more information on Income Based Repayment: https://www.studentdebtrelief.us/repayment-plans/income-based-repayment-plan/ Default Private IBR Federal (Staying Put): [low risk] The standard strategy here on studentloandefaulters. As mentioned above, for the federal loans, it’s best to just IBR and automatically debit your bank account each month and forget about it. For the private loans, this is where the game begins. Your overall plan here is to default, wait out the statute of limitations in your home state, and either settle the debt for less than 30% or just hope they leave you alone and you don’t pay at all. From this moment on, whatever you would have paid for your private monthly bill, sock that money away. Once you go past 120 days of no payments, you are in default. This is where the phone calls come in. They will start to harass you. They will call your work, your cell phone, your cosigner, etc relentlessly. Most likely, they’ll start doing this before you get to default. As they call you, you can either just give them the cold shoulder or start immediately acting like you do not own the debt. Never admit that you own the debt. Tell them you think they are crazy and have the wrong person. Inform your cosigner to do the same. Once your loans are sold to a collection agency, wait until they call you and ask for verification of the debt. If they do not provide it, you won. Chances are, they will be able to verify it, so just make sure you never admit to the debt on the phone or make a payment. If you make a payment, you’ll reset the statute of limitations. Do not give them five dollars, two dollars, a penny. If they do sue you, show up for court. Get a lawyer if you can afford it. You have to show up to court, or they win automatically. Even if you don’t have a lawyer in court, you need to make them verify the debt. You could still lose here. If you do lose in court, go to my tactic of “The Cat and Mouse Game.” They are playing a numbers game, and if you are harder to sue than John Smith down the street, they may prey on him or her instead of you. Now, there are four states in the United States that do not have wage garnishment: Pennsylvania, North Carolina, South Carolina, and Texas. You could move there, and if you have barely any assets, you are considered judgement proof. This means you’re not worth the time to be sued, because you have nothing to take and cannot be garnished. Moving is hard, though, so that’s a personal decision. Also, from what I understand, if you do move to these states, you can switch your statute of limitations over to their states which may be less time until you cannot be sued anymore. If you do lose and just want to stop here, you could get your bank levied and you could be slapped with up to a 25% wage garnishment until paid in full Clarification: a lot of people do not ever get garnished, and bank levies are rare (they are non-existent on federal loans). Do not let this freak you out!. I repeat this is super rare and not likely to happen. Anyways, you have options at this point. If it does happen, try another tactic like leave the country or cat and mouse below. Default Private Default Federal: [medium risk] Some of the wilder people have attempted to default on both federal and private loans in order to do a cash settlement. The same strategy above in Default Private IBR Federal applies, but realize that the US government could just step in and do an administrative garnish on you eventually. If you were living some sort of cash existence, you could potentially avoid them and then write them a money order and settle for 30% or something. This way, you avoid the tax bomb and would probably pay a lot less interest overall. If you do this and it works, I would love to hear about it. Cat and Mouse: [medium risk] So, you want to avoid getting sued or you lost a judgement? You don’t have to sit back and take it. u/nowaysalliemae has successfully avoided being sued by essentially going on the run. You see, to be sued successfully, they need to know where you work. If you get sued, move to another state, and switch jobs, they have to do the entire process over again! This means find you, verify the debt, sue you, etc. You can essentially do this until your statute of limitations runs out. And then, you dispute the debt on your credit score. They take it off at that point, and you just saved a lot of money. I decided to put this as medium risk, because moving around a lot would require some luck. Especially since you would need to work wherever you go, there are a lot of moving parts here. I think it is totally doable, and if you are an adventurous personality type, it could be a lot of fun. This only works for the private student loan side, because the US government has a lot more power. You would still IBR your federal loans on this tactic. For more information, go through nowaysalliemae's post history. Leave the Country: [medium risk] What if you want to avoid all of this altogether? Do you want a reset button on your life? You can just leave the country and start over. Seriously. Your credit score does not follow you across countries. The federal government cannot garnish your paycheck if you work internationally. You are not a criminal doing this. Furthermore, there is something called the Foreign Earned Income Tax Exclusion. Since you will still IBR your federal loans on this plan, as long as you make less than $100,000 in another country, your US income is zero. This means you just got a free education while you make money in another country. Once you pay zero for 25 years, you will have to defuse your student tax bomb. Tactic Below. Private companies do not stand a chance here. There are countries in the commonwealth such as Australia and Canada that are more willing to take you in if you meet certain requirements. You could teach English at a bunch of places. You could apply for residency at these places or be a perpetual tourist. A perpetual tourist is someone who essentially moves to a new country, goes to a neighboring country for a weekend, and then goes back to that new country they are trying to start a new life in*. This in no means you have to go back to the U.S. Ever. For example, you want to live in Panama forever, every 90 days, you take a weekend trip to Nicaragua. You come back to Panama after the weekend is over and get another 90 day pass. Rinse and repeat. This gives you another 90 days in your country of choice. If you make money on the internet, this strategy would work pretty well. You can just be a perpetual tourist or marry someone in another country and start a new life. This will not be a good fit for everyone, but there’s something exciting about this. If you are young, single, and restless, this could be the adventure of a lifetime. Here's more info on being a perpetual traveler and the FEIE: https://www.escapeartist.com/blog/perpetual-traveler-us-tax-code/ Suspend Payment Without More Debt: [low risk] So recently, it has been brought to my attention that there is a community college, Luna Community College (in Las Vegas, NM), that has tuition so low you could go half time all year for about 684 dollars. They have a small amount of associate's degrees. If you just want to stop paying without taking any more loans, this would be the way to do it. You could do this for many years. Luna Community College's tuition matrix: https://luna.edu/tuition_matrix Convert Private Loans to Federal: [low risk] From this point on, these are my special tactics I’ve been thinking about. They might work really well for some people. So, you have a bunch of federal loans and a good amount of private loans. You don’t want to fight debt collectors or move around. Try this. This plan only works if you have a bachelor’s degree though. Anyways, there is a special loan offered by the US Federal Government called the Graduate Plus Loan. This loan is incredible, because there is no aggregate student loan limit. In other words, you can borrow as much money as you want here. Even a million dollars no questions asked. All you need is no delinquency or default on your credit report. If you do have these things, you can get a cosigner in on the plan. They won’t ever be responsible anyways because you will defuse the tax bomb at the end. This works to your advantage, because you could go back to school at the graduate level, get a diploma mill master’s degree online, use your room and board payment to start paying off your private loans ASAP. Just make sure you are doing whatever your school considers half time enrollment in order to avoid student loan payments while doing this. Once you’ve gone to school long enough and converted all of your private loans to grad plus loans, you could just go on an IBR plan. This will at least make your life manageable. You would have to defuse your student tax bomb once this is over. Tactic below. Convert Federal Loans to Private: [medium risk] So, what if you wanted to go the opposite way? Maybe you want to convert all of your federal loans to private ones, default, and then leave the country? Hey, maybe there are reasons you want to hurry up the settlement process. You could essentially do the same strategy as above, but instead just borrow from Sallie Mae, Wells Fargo, etc until all of your federal loans are paid off. Then, either cat and mouse or leave the country. I don’t think a lot of people would find a use for this, but hey who knows? Asset Creation Method: [high risk] What if you wanted to not just pay off your loans but get ahead in life? Maybe you feel like using your student loan debt to your advantage. Thanks to the work done by u/BinaryAlgorithm, you could really come out on top here. Remember those Grad Plus loans we were talking about? Well, there’s nothing stopping you from continually borrowing all year on these loans, investing the room and board, and acting as if you do not have the debt in the first place. While I had originally said that rental property does not count as income, I cannot find any documentation proving this. You can still invest this money however you want, and you just defuse the tax bomb at the end (if anyone can find that documentation, please let me know). I did find that rental properties offer a lot of ways to reduce your adjusted gross income (management fees, advertising, etc), and these could reduce your income closer to zero. We’re not done here. Moreover, you could get a job that qualifies for Public Student Loan Forgiveness, enjoy your investments, and then pay for the 10 years. Be sure to convert all loans to federal before starting this tactic. I only put this as high risk, because the whole plan falls apart if Grad Plus loans get capped. Will they? Probably not, because those are the loans doctors and lawyers take out to go to their professional schools. It would take an act of congress to change the way the law stands now, but still, you should know that. This plan spans decades, so a lot can change. Also, having this many installment loans may lower your credit score over a multitude of years, but based on what everyone has found out here, it's not by much. For more information, go to this subreddit's search bar and type in "aggregate" and go look at BinaryAlgorithm's two posts on the subject. Defusing the Student Tax Bomb: [low risk] So lucky for you, I talked to an actual lawyer and an actual IRS agent about this. This is completely legal and doable. Okay, so you were a good person and paid your IBR for 25-30 years. What now? Well, you’re about to be hit hard with a tax bomb. All of that money that is now forgiven counts as income on your taxes. This could mean a bill in the tens of thousands if you combined this with any of the other methods here—or just borrowed a lot to begin with. Luckily for us, there is something called insolvency. This means you are unable to pay your debts, and there is a really simple formula for whether or not you are insolvent. As long as you have more liabilities than assets at the time of student loan forgiveness, you are considered insolvent. In other words, right before you are about to be forgiven, like year 24 out of 25, you would take out a loan on something. All you would need to do is buy a house, buy a car, or buy something with a huge price tag. As long as your liabilities are way higher than your assets (like aim for 100K or something more), you are considered insolvent and you don’t have to pay any of the tax bomb. Boom. The IRS agent said this is fine. The lawyer said this is fine. I cannot believe this is fine. Where could you get the money to borrow for a house? Check Asset Creation method above. You could always sell the asset after the tax bomb is dealt with. For more information on defusing the student loan tax bomb: https://lawyerist.com/defusing-student-loan-interest-tax-bomb/ Getting Your Cosigner Off the Hook: So 90% of us have cosigners based on some statistic I read. These people are going to pissed at you, because they get harassed. If you have a lot of time to plan your strategy out, you can simply convert all of your private loans to federal ones. They are no longer responsible. The plan is above. Check out “Convert Private Loans to Federal.” Furthermore, if you are attempting to go the default route with private loans, you could potentially get your cosigner off the hook by refinancing your student loans without the cosigner. After you refinance, you could just default then. You would need good credit and meet certain requirements for this. Also, if you plan on defaulting, you might want to get your cosigner to transfer their assets to their spouse or someone trustworthy. Even though liens are rare, this could give you some peace of mind. As long as about 3-5 years go by, this is no longer considered a fraudulent transfer. Your state will have certain rules about this. If you are from Florida, apparently houses are untouchable there. You will need a lawyer to plan the asset transfer. At the same time, you may not be able to get your cosigner off the hook. Make peace with that. Student loans are brutal, so all you can really do is educate yourself and your cosigner and hope you come out on top. Madlad Method: [high risk] Now, here comes my personal plan. This is what I’m doing, because I want to live a life on my terms and not really work for anyone my entire life. I’m also not a normal person, so this will probably appear crazy to some or most of you. So at this point, if you understand all of the methods before you, you are a powerful player in the student loan circus. You can do anything from fight the man to maliciously comply and bankrupt the system while becoming upper-middle class. I don’t really care for any of that. I want to go to a tropical paradise and make music for 20 years, so here is my interpretation of everything. I have some federal loans and private loans. I net about 25K a year through the Grad Plus loans, and I work about 4 hours a week in the online classroom. I take that federal loan money, and I sock away a few hundred every month to save up for my private loan settlement in about five years. Since I save 300 every month, I’ll have about 18K in 5 years when I go into default. I will settle ASAP. At the same time, I will continue to go to diploma mill universities, get master's degree after master’s degree, and move to a Latin American country where the cost of living is even lower. This way, my 25K a year puts me in the upper class of that country. I can live where I want and really do whatever I damn well please for as long as the Grad Plus loans are around. As an added bonus, I will already be starting a new life in another country where I can make connections and maybe even get married. I studied linguistics, so I know how to teach English. I can do that if I want a source of income anywhere. So there is my plan, and honestly, one day we might get someone in office who just wipes out all of this debt anyways. If that’s the case, I can just play the waiting game until all of this is over. Here are the rules on adverse credit history and Grad Plus loans: https://studentaid.ed.gov/sa/sites/default/files/plus-adverse-credit.pdf Final Thoughts: Defaulting on student loans is not immoral or a sin. It is a business decision. Everyone else gets bailouts, why should student borrowers be any different? You’re going to have to ignore the people who tell you why they think you should be a good little slave and pay your loans. Those people are not your friends. Those people are not on your side. Some of the best advice I ever received in life was you have to do what’s best for you. Also, if you have anything you would like to add to this or would like to challenge, please let me know. I want this to be as accurate as possible. I will be looking at this perpetually to make sure there are no errors. Take care. Good luck. You can do this.
In this article I am going to say and explain some useful and simple strategies for newbies.If you do your research out there you will find so many strategies which promise fast and sure profit. Their creators describe them as the “holy grail” and many times it needs to subscribe to take a strategy with its indicators without knowing if this strategy really works.Many of them don’t work ... 60 Second Binary Option Strategies. We will go through some of the best strategies that one can implement over a 1 minute time frame. These range from simple price action trading to trend following and scalping. Before you can use any of these strategies to any sort of degree, you have to make sure that you have the right broker platform to trade with. A binary option trader is only as good as ... Binary options are a form of derivatives that have a fixed profit or loss. Trading binary options is simple. All you need to do is ask yourself a simple yes or no question. Will the price of the underlying asset be worth more than the strike price at the expiration date? Now, let's start by understanding how binary options work. The price will either increase (call) or fall (put). Successful binary options traders often gain great success utilizing simple methods and strategies as well as using reliable brokers such as IQ Option or 24Option. From this page you will find all the relevant strategies for binary options trading. Binary option trade risk. Binary option trade is not a simple matter! Even if you have the best available strategy some things may go wrong. Therefore do not risk more money than you can afford to lose! However we will always recommend only the best and proven strategies. Every strategy needs to be tested on a demo account first. It is very ... Top Five Successful Strategies For Trading Binary Options If you are trading without a strategy or a tactic to help you with binary options, you might as well . Guest Contributors Analysis (Binary Options ) Tuesday, 29/12/2015 13:49 GMT+2 2015-12-29T11:49:51+00:00 2017-03-15T14:04:35+00:00. Photo: (Photo: Bloomberg) Share this article. Finance Magnates Telegram Channel; Connor Harrison ... You probably arrived here without knowing what Binary Options are, or what Olymp Trade is or IQ Option, or you already have some idea and are looking for a simple strategy to try.. Whatever your situation, this article is for beginners and laypersons, or simply for someone curious who saw an ad and wants to Make Money.. Let’s start at the beginning.
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