GME Gang: On the Subject of the Golden Bridge and Its Inevitable Destruction By Fire 🚀🚀🚀
Build your opponent a golden bridge to retreat across. Sun Tzu, Art of War Everything was for tomorrow, but tomorrow never came. The present was only a bridge and on this bridge they are still groaning, as the world groans, and not one idiot ever thinks of blowing up the bridge. Henry Miller, Tropic of Capricorn I was wrong! Blow the bridge! Blow the fucking bridge! Tugg Speedman, Tropic Thunder Hello again GME Gang! It’s been a while since I last ranted at you, but I know we’ve been in some very good hands here at WSB with all the great DD folks have posted over the past few weeks. So no need for CPT Hubbard to go for 11 again on the Thumbscroll Dial (until today, that is). I’ve enjoyed a lot of these posts very much, so thank you on behalf of myself and the attention-deficient Rocket Children for continuing to deliver that 100% Chaff-Free GME-grade Wheat at such a feverish clip. Now, I am going to get to Hong Kong’s Lamest Outlaw and his disconcertingly vacant eyes here shortly. But first I want to take you on a journey back to Christmas Eve, in the year of our lord 2020—a heady time in all our lives. We were all so young and innocent then, weren’t we? Fresh off the run up to 22. Blissfully oblivious that we were living in the last moments where the question What is The War of 1812? was the only acceptable Jeopardy question for the answer: The Last Time the Goddamn U.S. Capitol Was Stormed. This was also before we all became irresponsibly overleveraged in Cathie Wood’s Ornamental Gourds ETF. It was a wondrous, confusing time. But before we get too off topic, let’s all hop in my 1985 DeLorean (purchased with proceeds from my Jan 15 calls – thanks RC!), fire up the ol’ Flux Capacitor, and get that shit to 88 because something happened that evening that is Worth Pondering—particularly in light of recent events. And just as a friendly reminder: even though you’re going back in time in a DeLorean, no one here has to deviate funds away from GME shares to Save the Clock Tower and you are under no obligation to fulfill a scenario where you wind up making out with your Mom (unless your Mom is Cathie Wood like mine—in which case maybe just some quick over-the-clothes stuff). On the Subject of How It Once ‘Twas The Night Before Christmas So what in the holy fuck happened on the night before Christmas, Captain? Well, while all you Gentiles were sleeping soundly after lying to your children about benign home intruders and before gorging yourself on the teat of late-stage capitalism, me and the rest of the Chosen People were up late eating Chinese food and thinking about tendies (self-hating Jew Joke! Ba-zing!). But then: when out on the electric twitter machine there arose such a clatter, I sprang to my phone to see what was the matter. And what to my wondering eyes did appear, a mysterious tweet from a Rich-Ass Viking who had a lot of fucking interesting things to say about this whole GME situation that’s what. This tweet, buried as a reply to a tweet sent by Mr. Rod Alzmann (@RodAlzmann or u/Uberkikz11), simply said: “Merry Christmas. Shhh.” But it included this screen shot: [**Image Deleted Due to the Mods - check the link below where someone transcribed it - I'll try to add later**] Now, this tweet to Rod, sent late at night and likely after a strong Mead or three, was very promptly deleted. But your intrepid cub reporter saw this here tweet that night with his own two eyes—seeing as I am a degenerate GME addict and devoted follower of Mr. Rod Alzmann (Hi Rod!). And I took screenshots, of course, like any responsible records custodian might. And so did the dude who wrote a somewhat-overlooked WSB post on this, which included the most pertinent text of the message if you are having trouble reading it here: https://www.reddit.com/wallstreetbets/comments/kk0omp/christmas_miracle_gamergate_2020_gme_shorts/ Now, what are we to make of this? At the time, I thought it was very interesting. But I did not give it too much attention seeing as how the internet is overcrowded with anonymous weirdos claiming to know more than they do about all sorts of subjects (and now I feel your judging eyes…). Also, there was some very good commentary in that WSB post from some sharp folks about the screenshot author’s questionable use of the shorthand PE/IB—given that private equity and investment banks wouldn’t apparently be involved in a behind-the-scenes transaction with the short funds like what was being discussed there (don’t ask me, I just string together silly words here). But maybe you poke around his Twitter a bit and see for yourself. Still, plausibility assessments based on preferred nomenclature aside, it seemed to me that some version of that conversation had to be taking place behind the scenes in a situation like this—given the batshit insane short interest, the funds supposedly involved, and the rapid rise in SP coinciding with RC’s share accumulation, December 21st amended 13D filing, and new status as a GME Insider and Board member (just love saying all that in a row, don’t you?). So the Viking’s screenshot tweet, and the very likely possibility that shorts are in so deep that they’re attempting to negotiate peace with large shareholders behind the scenes, stuck in my tiny little baby brain as a pretty plausible set of scenarios. And from the look of it, it seems like some funds were at least willing to discuss offering these shorts a Golden Bridge away from Certain Fucking Destruction on the open market. And if the words on the screenshot are at all aligned with reality, these short funds have no good options. Yet it seems like they are still playing hardball to negotiate the carat on this generous bridge offer they’re getting. Why? Maybe they’ve been getting high on their own supply for so long and they don’t know how to see this situation for what it is. Who knows? Maybe there is no Ryan Cohen and we’re all living in a simulation. But if the recent low-rent anti-GME articles and market manipulation efforts we’re seeing are any indication, these overleveraged short fuckers seem to think they’re going to be able to spin out of this hold and drive the SP back down to even smaller peanuts than it’s at now by sheer force of will (and some deployment of well-honed tricks of the trade amirite?) to emerge unscathed. Or even victorious? I dunno—it’s their delusional fantasy sequence. But do you know what this scenario reminds me of? And this is just coming to me so please bear with me as I’m not showing this to my editor before we print (I haven’t seen this movie in ages – don’t know what made me think of this!). Fuck it, I’m just gonna start riffing here. The shorts trying to thread this needle, against all odds and logic and common sense, reminds me of that hilarious scene in Dumb and Dumber where haplessly delusional Jim Carrey thinks he has a chance with Mary Samsonite Swanson. But the scene is funny because he really doesn’t. Have any chance. At all. Now, I know this is a 1990s movie originally released on VHS that we haven’t seen it or even seen it referenced in ages. But now that you’re thinking of it again after all this time, doesn’t it remind you of this too? I know, I get it: You’d have to have fucking peanuts for brains for it not to. (https://twitter.com/ryancohen/status/1350877969816956934?s=20) On the Subject of the Continued Internet Bumbling of Mr. Justin Dopierala Now that screenshot came to mind this past week when something kind of weird happened while we were all enjoying our quick rocket ship ride. And yes, we are briefly going to talk again about Seeking Alpha’s second finest pro-GME author (always been more of a Dmitriy man myself) and recurring CPT Hubbard character, Justin Dopierala (and no, Angela, I do not want to have like 10,000 of his babies). Last Thursday, after we were all virtually high-fiving one another and counting our future Lambos, Mr. Justin Dopierala, head of Domo Capital and longstanding uber-bull GME shareholder and author at Seeking Alpha (last seen arguing pithily with our own Rod Alzmann about the conservative nature of Rod’s holiday earnings projections. Hi again Rod!), made it known that he sold all of Domo Capital’s 500,000 shares for around $42.50—at the very top of the run up last Thursday morning. Now, Domo Capital’s business decisions are none of my goddamn business. And there are plenty of market opportunities right now. Shit, I hear there is even a new Cathie Wood Gourd ETF coming online soon that people are really excited about and that I’m sure Justin’s clients would find intriguing. But Domo’s decision to sell seemed curious given a few things: (1) on Wednesday, when the rocket is mid-flight, he got a twitter follow from Gabe Plotkin, head of Melvin Capital, which he promptly tweeted about with a “get a load of this fuckin’ guy” vibe (oh the sweet, intoxicating arrogance of tendie victory, I too love it so); (2) he had also tweeted that day comparing GME’s rise to Apron’s short squeeze that lasted 4 days—where he also stressed to his followers that Apron had a much lower SI than GME; and (3) he then promptly deleted all of these tweets and almost everything else GME-related on Thursday after apparently introducing 500,000 shares of liquidity into the height of a stressed market up and through the Thursday reversal and down into his own personal tendie town. Now, after seeing all this, I mouthed off a bit to Justin on the electric twitter machine because that’s kind of my thing. And if you are familiar with my prior ramblings, you know that he and I go way back. In response, Justin talked a bit of shit about your intrepid cub reporter here in a comment on Dimitry Kozin’s October 21, 2020 article about a possible sony revenue share deal or something, the comment section of which has become the preferred SA water cooler over there. (And I can’t link that because Thems The Rulez). And Justin hurt my little feelings a bit with his very sharp denial. And by all means have at it over there to check out his comment about why he sold if you give a shit. That is if Justin hasn’t deleted it yet. Free country and all. But to summarize, on the subject of treacherous coordination with Melvin Capital, Justin said he would not could not in a boat and he would not could not with a goat. And I for one believe him. And do you know why? Because even though Justin seems like a very smart guy in some ways, he’s also a well-known internet bumbler who blurts out things to his internet friends that a person with better self-control would keep to themselves. And so I do not think he is capable of pulling that off or keeping a secret like that. Also: he said he didn’t so I am more than willing to give someone the benefit of any doubt in that area and you should too. I think we keep Hanlon’s razor firmly in mind here about never attributing to malice that which is explained by stupidity. That is unless, of course, you’re Andrew Left and you’re actually trying to convince people that you didn’t realize there was a US presidential inauguration planned for the same time you announced your Super Important TeeVee Yammerfest ‘21 about GME not being a good candidate for an imminent short squeeze no way no how not if my name isn’t Andrew Left short seller expert extraordinaire and Hong Kong’s Most Misunderstood Ethically-Minded Businessman. You can ascribe the fuck out of malice to that one. No, even though I really have no idea, I think the most likely thing that happened there was that Gabe Plotkin, Master of the Universe, Head of Melvin Capital, and Acolyte of Perennial Most Ethical Business Man MVP candidate, Steven Cohen—got into Justin’s head when Plotkin followed him on twitter during the 57% (at one point 94%) day last Wednesday and then Justin got a bit chippy about it. And this is the real reason I’m bringing this up. Because I honestly care very little about the Nervous Investing Habits of the Wisconsin hedge fund voted most likely to prompt a Mr. Roboto reference. No: I think that Gabe Plotkin sent a message with that follow. Without even ever having to say it directly. And I think that after GME’s huge run and getting a little overexcited while working the twitter machine, Justin maybe had a chance to relax with a warm glass of milk that night and reflect on that message. Which I believe was: I’m watching you, motherfucker. And the only reason I’m paying any attention to some shitstain Wisconsin pseudo-fund on a day like today when I am getting my ass fucking torched is because I want you to know that if this GME shit blows up on me, I’m going to fuck your ass up.I will remember the name Domo Capital forevermore.And when you least expect me, I’ll be there. Now: your move, motherfucker. And once I realized what might have happened there, that made me feel kinda bad for Justin if he felt that way. Definitely a puss move because fuck you Plotkin I drink your fucking milkshake, right? But bad because that’s a mean message for a business colleague to send, Gabriel. Shame on you if that's how you roll like a big New York bully and scaring our poor Justin like that. And if you just wanted to follow him to shoot the shit or swap listicles and Star Wars Prequel memes with a respected contemporary—even in the very midst of getting fucking annihilated while short GME—well Justin has a totally different account for that and he’s not allowed to access it during work hours. On The Likelihood That The Most Heavily Shorted Stock in History Is Not Being Subject to Continued Market Manipulation When A Steve Cohen Acolyte Is Losing His Fucking Shirt Have you heard about Steve Fucking Cohen? The guy who looks like he’s tip top of the list of the premier Hollywood casting agency’s rolodex for Saddest Dipshit Still At the Strip Club After Everyone Else Has Already Gone Home? I’m sorry, that’s mean and my mother told me to always be kind to the truly hideous looking because they’re probably still beautiful on the inside (spoiler alert: he’s not!). Get a load of this guy: https://www.bloomberg.com/news/articles/2014-01-02/why-sac-capitals-steven-cohen-isnt-in-jail https://www.latimes.com/entertainment-arts/business/story/2020-09-02/controversial-hedge-fund-billionaire-steven-cohen-takes-on-hollywood https://www.marketwatch.com/story/steven-a-cohen-among-the-million-dollar-donors-to-trump-inauguration-2017-04-19 https://www.vanityfair.com/news/2016/11/steve-cohen-trump https://nypost.com/2015/06/17/billionaire-steve-cohen-bros-out-with-guy-fieri/ Are you back? I’ve missed you. That was scary, wasn’t it? But allow me to TL/DR all that for you who decided to avoid all that unpleasantness: the dude just has all this bad luck and keeps finding himself into these really awkward situations where someone could potentially question his commitment to ethical business and life practices as well as adherence to the laws of the United States and it’s just not fair and nothing’s fair and Nice Guy Steve Cohen Is The Victim Here So Just Stop Right There Mister I See What You’re Doing. He's also bros with Guy Fieri. Cool. But why am I talking about a guy who would so clearly pass Billy Madison’s Final Question about Business Ethics without even breaking a sweat? Because Steve Cohen once had a young Ace Protegee that he loved very much. With the name of an Archangel, so tender and pure. And one day this young man decided he wanted to Prove Himself and Leave Steve’s Nest. And thus was born Melvin Capital, seeded financially by Steve Cohen but named after famed Crooner Melvin H. Tormé, which Gabe’s esteemed mentor Steve would play in his office, over and over, all those years ago. Now let’s fast forward a bit because I’m boring myself with all that fucking Cohen reading (the bad Cohen—don’t you dare get anyone confused here). As I was saying: Gabe Plotkin, head of Melvin Capital, has by all accounts gotten himself into a bit of a pickle here being so deeply short GME. Lots of people have analyzed and overanalyzed it, and I’m not going to do it again here; that dead horse is well and truly beaten. But to bottom line it: we’re all just staring down what is essentially an unprecedented math problem that will, at some point, resolve itself. And if it revolves itself in favor of the Good Guys, then the Bad Guys will lose a Fuck-ton of Money. That’s your money block quote, WSJ, so fuck off and stop calling me. Now: picture yourself as a Steve Cohen acolyte that just bought a $44M Miami Compound and who cannot stop talking about how co-owning the Charlotte Hornets is worth it just for the courtsides alone bro once basketball is a thing again and so what if Michael Jordan keeps calling him Gary it’s close enough. Are you feeling the most financially secure that you have ever felt in your young rich life right about now? Or might you be a wee bit worried that you’ve pursued an investment thesis so reckless, so irrationally and intentionally destructive of equity, that even Melvin H. Tormé himself must be rolling in his fucking grave that you would ever dare put at risk your ability to continue being Michael Jordan’s Gary? And so here is when I again link my good buddy Jim Cramer’s Great Unveiling of the Tactics Deployed by Short Sellers hoping to change the narrative and construct a “new truth” to suppress the SP in the face of, oh, let’s just say: a very promising turnaround story in a high-growth industry by an e-Commerce Canadian Genius who does not fuck around and who knows what he’s fucking doing and aims to sell more and better video games experiences to crackhead video gamers and there’s a million things he wants to do but just you wait, just you wait. Is this plot that hard to follow? And I’ll also say this: I know fuck-all about monitoring order flows or how funds continue to create synthetic shares to short shit into oblivion. But I’m just stepping back and thinking of the broader narrative and tactics on this. Spit-balling here again—bear with me. Now, if you were massively short a security while paying out your ass in borrowing fees for the privilege of entering the most crowded short trade in the market and you’re now opposite a massive business turnaround story, Ryan Cohen, numerous institutions, funds, retail whales, Norwegian HNW Freemason Consortiums, and the energy behind the Finest Rocket Children Ever to Grace Planet Fucking Earth—and you’re taking it in the ass week after week here—Do you then play this straight? Do you set aside all of these illegal and deceptive short tactics Jim Cramer candidly outlines in that video even though they’re impossible to enforce and are in fact not enforced? That Jim basically says you’d be professionally negligent if you were short and didn’t do this shit because fuck it whosgonnastopyou? And now you fucked up and that steamroller is barreling down upon you and there are all these things you could theoretically do try to get yourself out of this jam if you were That Kind of Person? Do you set this all aside and, at least in Jim’s view, tie one hand behind your precious ethical back? On the most heavily shorted stock off all time where you are bleeding Real Life Big-Boy Money? Just buying and selling you know, just a job, honest living, nothing much to it, sometimes you win, sometimes you lose, can't get too carried away with it. Or is it something a little bit fucking different than that? I don’t know. I’m not in the industry myself. And I would never accuse anyone of doing anything so clearly contrary to the values upon which their professional career as Master of the Universe was built. So Gabe: chill. Don’t follow me or something on twitter man, since for all I know that’s Plotkinese for I Hope You Don’t Mind Sleeping With This Severed Horse Head in Your Bed Motherfucker. It’s just money, dude. You seem pretty well taken care of. But man would I be sweating if I were short right now staring down the barrel of your new neighbor Ryan Cohen’s whims and patience and polite Canadian manners and ambiguous emojis that we all lose our shit for. I mean, fuck man: are you ok? Don’t forget to exercise and eat well during all this. Maybe switch to green tea or something. And remember: you’ll always—always—be Michael Jordan’s Gary. But here is where we return to our good friend Andrew Left from Citron Research. Do you remember the excitement you felt this past weekend? I’ve never seen WSB so jacked. People were coming out hot on Tuesday—an uptick day! The new phone book’s here! The new phone book's here! What luck to be free of Gary’s tomfoolery for one fine day. And then GME spiked right away—reaching a high of over $45 that morning. But then something happened. We all know what it was. But here is where any SEC lookie-loos need to close those Pornhub links and pay closer attention. Because in the moments before the Citron tweet that morning about Andy’s upcoming BuzzFeed Listicle call on Why GME is Scary Investment GRRRR, total short shares available dropped from 1.2M to 0. And a $300K put bet was placed on a weekly with a strike price well over 10% out of the money at the very moment that GME’s price was accelerating rapidly. (H/t u/FatAspirations). That’s some WSB-level shit right there. And yet they pull it off! GME immediately shoots down nearly 30% intraday, and eventually climbing abck up above 10%, making us all feel a little weird and like ungrateful millennial brats for feeling so shitty about a 10% day. But we all know what fucking happened, now don’t we? So what can we say about ol’ Andy? Now, many of you know Andy as the dumbshit who shorted TSLA until he was ground into little bits of dumb dumb dust and made to look ever so foolish over and over again until he finally cried drunk uncle and flipped to being long TSLA and now he’s cool to you or whatever. Or you might know him as the guy who puts out really shoddy research that often, by pure happenstance, drives a new narrative to control the orderflow and SP on a WSB-beloved security like PLTR? You know the guy I’m talking about. Once in hot pursuit by Hong Kong fuzz, an International Man of Obviousness with a face that says: why yes, I will have another vodka tonic thankyouverymuch. That’s him. Well, just like future call-back candidate for the role of Frightened Inmate #2, Mr. Steve Cohen, Andy is also but a Caveman—frightened and confused by your modern concepts of “ethics” and “rules.” No! No!—He’s a straight shooter! Devoted to rooting out obvious frauds, like Lukin Coffee and TSLA (Do not fuck with Elon or my Hot Mom’s ETF, Andy). And like the aspirations of Antoine Bugle Boy when he entered the blue jeans market, Andy saw an overcrowded short trade here based on an overly simplistic and obsolete short thesis about GME and said: “Me Too!” And as this thing is ripping to the stratosphere, Andy starts ringing his dumb dumb twitter bell and saying hear ye, hear ye—Inauguration Day and time it shall be for all my Big Brain thoughts about GME! Nothing weird about that. No sir. So Andy Citron or whatever the fuck his name is will be putting out some dumbshit video or something today in what seems to be a pretty clear attempt to scare my poor Rocket Children and get those pesky computers to high frequency this shit to drive the SP down to more acceptable loss levels (cause let’s be honest: they’re still taking a fucking bath here) for Mel Tormé’s namesake hedgefund and all the other cretins that are dug into short position here. And they’re gonna try to scare ya’ with the color red! And they know that no one here likes the color red. But do see what’s going on here and who we’re dealing with. This really ain’t rocket science, Rocket Children. The dude actually tried to claim he forgot about the Inauguration. In 2021. He has not been in a coma, to the best of my knowledge. But you do look a little bleary eyed, Andy. Must have been all that staying up super late working on those last few bullet points to fill out the powerpoint on that GME listicle of yours, eh sport? Conclusion: On the Subject of Patience and The Arc of The Universe Bending Toward Ryan Fucking Cohen In my youth there was a period of time where I went out on boats that would drop crates into the waters of the Arctic. Bundled inside them were raw pieces of meat. In the coming days the boats would head back out to the frigid seas, hook the floats bobbing upon the waters, and pull the crates up. Packed inside would be many crabs. They were so delicious & made a good price at market. The difference between the crate that was empty and the create full of bounty was a mystery even the great physicist Erwin Schrödinger pondered at much length. But the hearty fishermen of my youth already knew the answer long ago. Why did the trap fill up? Time. In time, all traps fill. In time, all things pondered shall be revealed. --The Fucking Viking, That’s Who Now look, you all know I have a soft spot for Ryan Cohen. Hell, we all do. He’s a good dude. And the man has played this flawlessly so far. He really has. The fact that we are all sitting here with Ryan Cohen having successfully negotiated three seats on the Board—a bloodless coup as my man Rod Alzmann says—here in January? It’s amazing. His vision for GME is dialed-the-fuck in and extremely exciting. This misunderstood business is on the threshold of an exciting turnaround with Ryan Cohen at the helm. And though I was very much looking forward to the potential repercussions of a vote being called at the annual meeting and what that might mean for the short-term share price, this result is infinitely better. Whatever their motivations, that Board and George Sherman saw the writing on the wall here and accepted the Golden Bridge that Ryan offered them. And Ryan Cohen has done everything he’s set out to do here. And he’s clearly been having fun while doing it. Read up on the guy at some point if you haven’t–there’s lots of good DD out there on him, obviously. And while you’re reading and thinking about Ryan Cohen, think also about guys like Steve Cohen (nofucking relation) and Gabe Plotkin and Andy Left and how lucky we are that we get to roll with RC against that motley crew of fuckwads. And do you know what? I’m guessing that RC, and maybe even the funds being discussed in that screenshot, have been very patient with Mr. Plotkin et al in recent weeks. You don’t go around bankrupting hedge funds willy nilly, you know--bad form and all that old chap. People tend to remember that. And guys like Steve Cohen and Gabe Plotkin seem like they play for keeps. So now you try to build them a Golden Bridge to cross—maybe not their preferred route of travel, but could be worse and all that, right guys? But for whatever reason it seems like the natural instinct here on the short side is fight over flight. And these short FUD tactics are getting increasingly ridiculous to help slow down the inevitable march toward the detonator right next to that bridge. So relax everyone! And let’s not fool ourselves: All those Masters of the Universes are well aware of the math problem they’re all facing here and they must have a vague grasp of the odds that this goes off in one direction over the other. And what that could mean for the size of their money pits and how many sports teams they can buy this year. Shit, I assume Steve Cohen is counseling his young acolyte about how many sads he himself felt deep down in his man heart on that fateful day in 2008 when he lost $250M on a short when Volkswagon squeezed to infinity—a sadness that he will continue to draw on when his agent finally finds him a role that calls for it. But my point is: the longs here can afford to be patient and let this play out. When this thing moves, the Viking’s Schrödinger crabs will only be in one pot. And I’m guessing that pot is the one being held by the guy who is actually in total control here: Ryan Goddamn Cohen. So enjoy the show today. If you’re anything like me, you’re feeling relaxed after gorging yourself on lucky space peanuts all week.(https://solarsystem.nasa.gov/news/10022/lucky-peanuts/) And though these silly wabbits with their cumbersome FUD efforts can get a bit tiresome, I’m still very much enjoying this GME show at this point and almost do not want it to end—what with all these Sorkin-esque twists and turns and my Cohen Tweet Decorder Ring getting all this sweet action. But just remember who Ryan Cohen is, what he cares about, and what, so far, he has told us he intends to do here. And then you might realize, as I have, that Ryan Cohen has had the Gray’s Sports Almanac here all along. This story has already been written. He’s already won. And Melvin Capital’s Schrödinger-ass crabs are dead as fuck. The only question now is: what causes that Golden Bridge to blow? I, for one, am content to wait on RC while counting my good fortune that I can continue to accumulate until whatever happens here happens. So pass the rocket peanuts. It’s just money after all. Right Gabe? TL/DR: Psst: a Mysterious Viking once told me about behind-the-scenes Golden Bridge negotiations that are likely taking place that give shorts no chance but the shorts seem to think they’re saying there’s a chance but there really is no chance; Gabe Plotkin, Steve Cohen and Andy Left are misunderstood Straight Shooters who probably answer typical interview questions about their own perceived weaknesses by saying “Sometimes I just care too much about doing the right thing”; and Ryan Cohen is the Goddamn Man so we can all relax and not worry so much about all this dumb short FUD bullshit, ok? OK. 🚀🚀🚀 **If you construe any of the above as investment advice without doing your own DD or at least Googling Ryan Cohen then you are a fucking idiot and may God have mercy on your soul. You too, Andy.
I am in my early 30s, make $75k a year ($120k joint), live in the South, work as a Development Director, and hate capitalism but love a little luxury!
Edited to remove the tables because when I obsessively checked this post on my phone I couldn't read them?? Also I tried to, but was prevented from, editing the title. I know it looks sanctimonious but that's just one small part of my personality I swear. D: ❤️ Section 1: Assets and Debt Total Net Worth: $30,875 - all equity. Retirement Balance: $0 for me; $20,500 for my husband in the state pension program for teachers. (My partner, L, has been paying into the state teachers' pension system for 5 years. For most of my 20s, I either worked at very low-paying jobs, or supported myself and others on a teacher’s salary, so no retirement for me. My current job does not have a retirement program, but one of my goals for this year is to either start a Roth IRA or get a new job with a 401k match… or maybe both?) Savings Account Balance: $23,733 We’re moving this summer to a city closer to our families, and are saving all we can for a down payment on a dreamy spot. After we move, some amount of what’s left over will go into a retirement fund, and the rest will stay in this HYSA as our emergency fund. For us, three months of expenses, including childcare, is about $18,000. Checking Account Balance: $455 Credit Card Debt: n/a, pay off each month Student Loan Debt: $80,000 for L’s undergrad and MAT. $18,000 for my undergrad and (unfinished) MAT. (My undergrad degrees were mostly covered by the Pell Grant, scholarships, and a $10,000 529 from my parents. L was a nontraditional student - didn’t start undergrad until he was 24 - so none of his was covered. Most of my debt is for a MAT program I dropped out of after one year. I was trying to find any way out of teaching at the time (it is demanding, all-consuming, and carceral at once) and thought a PhD would be my only route. When I got my current job I promptly left the program and any dreams of a PhD behind.) Equity: $83,875 (This number is from an online equity calculator, and is for our house in a very popular neighborhood in a very popular city. Our outstanding debt on the house is $295,000. We put our whole savings down in 2019, which was $9,000 at the time.) ❤️ Section 2: Income Monthly Take Home: My base pay is $65,000, and L’s is $45,000. I worked a side gig last year that totaled about $10k in additional compensation; all of it went to savings so we don't budget for it. My take home is $4096/month for my full time job, and my current side gig income (grant writing) is variable, between $300 and $600 a month. L’s take home is $2262/month. My health insurance is paid in full by work. L’s insurance and B’s come out of L’s paycheck, as does L’s retirement contribution. Income Progression: I’ve been working since I was 15 years old, moved out for college at 18, and paid my own bills starting that year. I won’t include that money here though (it was like $12,000 a year as a college student, for reference). Income below starts when I graduated with two BAs that had nothing to do with teaching. Year 1: $15,600 (part time ABA therapist, full time baby anarchist) Year 2: $32,000 (year 1 teacher salary: I accepted a spot in Teach for America for this giant salary even though I thought it was an obnoxious neoliberal org. Yes, I was also obnoxious at the time.) Year 3: $33,000 (teacher, step increase) Year 4: $34,000 (teacher, step increase) Year 5: $35,000 (teacher, step increase) Year 6: $15,000 (community organizer; at the time this felt like a dream job) Year 7: $20,000 (community organizer & cafe worker) Year 8: $40,000 (back to teaching, felt rich; this includes a side hustle writing grants on the side for $50 an hour) Year 9: $45,000 (left teaching for my current job, quit the grants side hustle) Year 10: $55,000 (got a raise, got pregnant) Year 11: $65,000 (got a raise and promotion, had a baby) Year 12: $75,000 (was promoted again in January but waiting on the pay increase to hit, hopefully with backdating. This money diary doesn’t reflect this salary as it hasn’t been reflected in my check yet) ❤️ Section 3: Expenses Mortgage/PMI/Insurance: $2,110 Retirement Contribution: n/a (L’s retirement is pulled out of his check before he receives it: it’s $169 a month. Right now, I don’t have a retirement contribution) Savings Contribution: $1000 to main savings, $400 to sinking fund (This is a super aggressive goal for us and is only possible because our childcare costs are covered by work) Debt Payments: n/a right now (We have student loans to the tune of $100k but haven’t been paying a dime since they were paused due to COVID. But then the other day I checked and saw they've gained interest? Should we be paying them then? WWJD? I legit don’t know.) Electric: $130 Internet: $100 Cellphone: $65 (For L & I both. We are on a bigass family plan with 40 gajillion other people.) Subscriptions: $45 ($10 Spotify; $10 Youtube music; $2.99 Apple data (Why?!); $22 NYT (for newspaper and cooking app); also have a split subscription to the New Yorker with bestie F but we paid for a yearly deal.) Car Payment and Insurance: $150 for a car payment; $202 for insurance (Insurance covers both of our used cars and my dad’s used handicap van. Our car payment is for our used Honda. We only owe $6,850 on the car and I’m back and forth on whether to pay it off with savings) Medical/Therapy: $0 (My therapist is $140 a session, and I just started seeing her again once a month, but this is reimbursed by work. I also get an inhaler at least twice a month - that’s reimbursed too, costs $60 total.) Misfits Market: $120 (For a weekly box, which really helps us cut down on overall grocery cost) Gym membership: $30 (For my intense local yoga studio’s app which is so great in the winter. We also run and bike a lot, as long as it’s warm enough) Donations: $100 (We give monthly to our local Democratic Socialists of America; the Working Families Party; and a small, local org. I’m also on an organizing committee for that org. We’ll give them one big gift of at least $250 this year, probably in May. I support a couple organizations with grant writing and grant-finding support as much as I can, which usually amounts to a few hours a month.) Childcare: $0 B goes to a very precious Montessori preschool, and we can walk him there. It’s pricey af ($1300/month). The other $200 is to account for some babysitting from my little sister when L or I have to work weird hours. For now, work reimburses this full amount as a COVID perk; if that changes, we will have to cut costs significantly. House cleaner: $160 (They come twice a month and charge $80 each time.) ❤️ Section 4: Money Diary NOTE: We are masked and afraid everywhere we go. ✨DAY 1: THURSDAY✨ 4:20 am: Good morning world! I shuffle into the kitchen in my panties and my slippers to fill up the gooseneck kettle. I recently got into pour over coffee even though it’s quite a commitment. With a toddler, a full-time job, and a Libra sun, I don’t really have time for meditative morning routines. This lengthy, half-naked coffee regimen is my closest attempt. As soon as I get the coffee brewing, our 18 month old, B, starts making noise. I open the door and see he’s got his pacifier in his mouth and his pillow in his arms. He wants to lay with Dada. I help him get in the bed with my husband, L, as quietly as possible. Last week L was super sick and we thought for sure he had picked up COVID. Blessedly all of our tests came back negative, but on the heels of that, he started having major tooth pain and had to have an emergency tooth extraction, AND he got an ear infection as he was coming down from whatever virus he had. I hate it :( I get dressed and do some chores while they snooze to ease L's morning. I start the diaper laundry (usually his job - we use cloth), put away the dishes, start the Eufy vacuum, and get B and L’s breakfasts together: sunbutter and a little bit of syrup on some banana pancakes I prepped earlier this week. 6:30 am: B and L are up! The hour before we take B to preschool is kind of a marathon. L eats with B (and supervises his syrup consumption) as I clean out some more dirty diapers, brush my teeth, make another cup of coffee, strip our sheets, spray my hair with water to refresh the curl, return a few group texts, and wash some breakfast dishes. Somewhere in here I also eat two boiled eggs with Everything But the Bagel seasoning, and a bunch of grapes. I help L get B loaded up in the car, and just as they pull off, my parents Facetime me. They’re calling to see B but are polite enough to talk to me for a few minutes. They live a few hours away, and are divorced, but cohabitating. The full story is long and spiritual for me so I’ll spare you. Anyway, my mom and I talk for a while about this couch she thinks I should buy from one of her friends, but it’s two hours away and we’d have to rent a U-Haul, so I think we’ll pass. I do hate our current couch though. Please drop comfy toddler- and dog-friendly recommendations in the comments! 8:15 am: I set out to walk the dog and listen to the Daily’s recent update on the coronavirus. Donald G. McNeill, Jr., says we’re in this through the summer, which is a bummer on the personal and global front, but I suppose it could be worse??? Maybe?? As soon as they finish talking I switch over to You’re Wrong About. I’m deep in the Jessica Simpson series and highly recommend this pod for any other nerdy, lefty, kinda burnt out millennials, especially those of you that are queer or queer-adjacent. Once home, I take my whole operation onto the front porch to work, since the cleaner will be here soon and I don’t want to crowd her in this time of COVID. I LOVE a clean house and I love paying someone else to do the big stuff, which is a recent luxury for us. 11:00 am: I’ve been working steadily in my email and google docs for a couple hours now, and it’s COLD out here. The cleaner leaves and I am grateful to go back into the heat. I Venmo her $80 for the cleaning (included in monthly expenses). I take a break from work and check out the job boards. My current job is the best, and highest-paying, gig I’ve ever had, but I’m planning to leave some time this year for several reasons. The premier reason: I recently learned that I’m qualified for several positions that pay over $100k at similar organizations. With that kind of money we could pay off our student loans, help our families out more, make sizable donations, and L could explore a career outside of teaching without freaking about a slight cut in his pay for a few years as he finds his niche. Or - maybe he’ll get into Edtech somehow and we’ll join Resource Generation. Who knows. 12:30 pm: I have a quick break and pull together lunch: half a cheese quesadilla, a big bowl of Smitten Kitchen’s roasted tomato soup, and a LimonCello LaCroix. L is on his planning period and asks me to edit his most recent job application, and I oblige. Since we’re both job hunting, I ask him if I can buy a resume template and guide on Etsy. I have sworn off online shopping for the year to curb my impulse spending, but he says we’ll just count this one as his purchase. Great news because I hate the formatting of my resume from 2016 and don’t want to fix it myself! $9.95 3:30 pm: My Zooms are over, my inbox is at 0, and I put up my out of office message because I’m taking the day off tomorrow to work on my resume and do some things to prep our house for sale. My high-functioning anxiety created an ambitious backwards timeline for this process back in December, and that timeline currently runs my life. I work for a few more minutes to tie up loose ends, and then walk O to a nearby shop to buy my favorite candle, curbside-style. When I get there the owner gives me some percentage off because it’s slightly discolored from the sun. Huzzah! $27.25, marked down from $40 4:45 pm: My angel of a baby sister, J, who lives just a few blocks away and is in a pod with us, comes to hang out with B for an hour so L can rest. I head to my good friend D’s place for my investment overalls appointment. She's going to alter their awkward wide leg into more of a tapered, mom jean shape. I have a capsule wardrobe which means I’ll wear these babies at least once a week, and plus I get to pay my friend, so I’m fine with the extra expense. When I arrive, she and her partner have the fire pit going, and we drink a couple glasses of wine together, yet more than 6 feet apart. I learn they are planning to move to the same new city as us in the next couple of years and legit cry happy tears. Afterwards, I head out to pick up dinner for tonight. We are getting burgers from L’s favorite place as a treat. On my way, the WOLF MOON appears over the water and my stomach does triple flips. Then I pick up our dinner: a veggie burger with eggplant jam and kale for me; a real-meat burger with mushrooms, bacon, swiss, carmelized onion, and horseradish mayo for L; and an appetizer plate with pretzels, pimento cheese, onion jam, pickles, and chips for B. Delicious and unhealthy. The total is $34.54. 6:30: Home and eating dinner. B loves his meal, especially the “chokes.” He calls pretzels “chokes” because when L first started feeding them to him, I worried aloud that he would choke every time. I just couldn’t stop thinking about how a pretzel almost took out George W. Bush. Turns out our toddler is better at chewing than George W. Bush. After dinner, L gives B a bubble bath while I do my own, very minimal, bedtime routine. Then L and I lay down with B to put him to sleep. He has a floor bed, which is a Montessori thing I learned about on mom blogs. L is a very hot and talented woodworker, so he took my floor bed dream to the next level by building a lovely house-shaped frame. The top beam is wrapped in twinkle lights and fake ivy. It’s a nice place to sleep, and we pass out here all the time. 10:30 pm: L wakes me up and we wander to our own bed. 🌿 DAILY TOTAL: 71.74 ✨ DAY 2: FRIDAY✨ 4:15 am: Wake up and go look at the clock. Decide this is a silly time to get up on a day off, drink some water, and go lay back down. But once in bed all I can think about is how much I want to read the news, organize my resume, and update this money diary. This is the problem with falling asleep at toddler time. So I get up again at 4:45, make my coffee, read a New Yorker article about Biden’s pandemic response on my phone, and sit down to work on this diary. 6:00 am: L wakes up! He works on breakfast for himself and B and I start meal planning for the month. This is one of my best and most recent life hacks. I found that if I chart out our cooking, weekly takeout, and leftovers at the start of the month, we save lots of money and are so much less stressed about the labor that goes into feeding ourselves. I pull out Smitten Kitchen Every Day and use it to inspire the month’s meals. So quaint to cook from an actual BOOK. 6:45 am: B walks out of our room and announces that he drank my water off the side table. He’s so proud! And so ready to eat. While he eats breakfast, I snack on some grapes and, at B’s request, blast 7 Days A Week by They Might Be Giants. This is the consummate children’s song for any household that dreams of a self-determined world. Over the next hour I take B to school; make myself a real breakfast (a soy chorizo and egg taco); and browse TikTok. Eventually I find a series about this Gamestop situation by a smart Irish woman and L and I watch it together. When it’s over we feel like shrewd stock brokers ready to win money, and L gets to work teaching virtually. I spend the morning painting our front door and our kitchen wall to prep our house to sell, and talking to my (other) little sister on the phone. She’s an HR person with a job that’s taken her far away from our family, and we don’t talk that often. It is so good to catch up on her life. After that I have a fun, day-off Zoom call with longtime bestie and coworker K. We drink coffee and talk about The Future. 12:30 pm: I make lunch (tomato soup with goat cheese on top, and a savory scone on the side) and get a text from another bestie, M, who offers me a little grant writing contract work this week. Yay! I love them and love working with them. Next, I order our groceries for the week. I get baking powder, eggs, cremini mushrooms, vegan sausage patties, oat milk, ginger root, shredded cheddar cheese, plantains, black beans, doggy bags, broccoli, vegan chicken strips, artichoke hearts, roasted red peppers, capers, ciabatta bread, grits, bananas, avocados, greek yogurt, and on impulse, a pineapple on sale (?!). Maybe B will love it. The total comes to $94.08. 1:15 pm: I do a brief power vinyasa class in B’s room and take a shower. It takes me approximately two Drake songs to shower and dry off, as I don’t have to wash my hair today and I never shave. I work on my resume until L and I leave to pick up B. On the way home we stop at the park to play, and then we all get in the car to pick up groceries. 6:30 pm: We get home later than planned and eat together: leftover tofu ramen for us and veggie lasagna for B, who is so sleepy that he hardly touches his lasagna. L gets him in the bath around 7:15 and I run through my evening routine. There’s a lot going on in the house - preschool lunch and clothes to put up, a mountain of laundry in our room, all of the groceries for the week waiting to be put away, and dinner dishes are languishing in the sink. L starts on chores while I get B dressed. As I’m dressing B, my mom Facetimes and B shows her several of his board books. While we’re talking my dad texts me a heart emoji - he overheard B and my mom talking from his room. He lives with a disability and a painful illness, so he goes to bed very early. We hang up with my mom and record a video of B making “P” sounds and saying “I love you” to my dad, and send it over. This is the first time B’s ever said “I love you!” Huge news. We read books and fall asleep next to B. 9 pm: I wake up and nudge L but he wants to keep sleeping. I go clean the dinner dishes, put away the food and reorganize the cabinets and fridge, and mop the kitchen floor while I listen to The Daily’s latest reporting on QAnon believers who are at once totally bananagrams and also remind me very much of my aunt. L wakes up at 9:30 because he and Y, my sister’s boyfriend, are gonna game. Cute! He finishes the laundry and I fold a few diapers to help out. Then we lay in bed together until game time, when I fall asleep. 🌿 DAILY TOTAL: 94.08 ✨DAY 3: SATURDAY✨ 5:40 am: Wake up at a ~*~weekend hour~*~!! Start my kettle, clean and moisturize my face, pull out the ingredients for waffles, and pick up around the house while I wait for it to boil. I try to read some, but get bored a few pages in. I’m currently readingHow to Do Nothing and it’s good enough, but I think I need to chill on the nonfiction and read, like, saucy romance novels with hot bisexual leads. Send me your recs please! Waffle time! This recipe is my go-to. I recommend whipping the egg whites first. B wakes up around 7:15 and helps me cook which is cute and very messy. He eats his waffle with honey, peanut butter, and grapes. L wakes up after him - he had a late night gaming! 8 am: I open yesterday’s mail and find an anti-abortion DVD from L’s grandma. It’s Abby Johnson’s “memoir.” Abby Johnson is an opportunistic right winger and documented liar who once moonlighted as a Planned Parenthood clinic manager. L is a preacher’s kid, so we’re not surprised to receive this from his grandma. For example: 10 years ago, when L and I were a couple years into our relationship, her Christmas gift to me was a book about how one can recover from being a slut by getting married and finding Jesus. This particular package really sends me over the edge, though. I decide to write them a short note later that states my own experience with abortion and sets a clear boundary on this kind of propaganda, and includes an article about Abby Johnson’s bullshit life. It’s unlikely this will change their minds - they are septuagenarian Southern Baptists, after all - but at least I’ll be in my integrity. In the meantime, I group text L’s siblings, and they commiserate with us. His one sibling who is transitioning shares that grandma recently sent them a book about how to tell your gay friends they’re sinning. We agree that’s hilariously dense (and fucking rude) of her, and talk about how everyone under forty is a gay slut living their best life, so really it’s grandma’s loss. During this time I clean the kitchen, finish the waffles, and freeze them for B’s weekday breakfasts. 9:30 am: B asks to use the potty and does a great job peeing on his own! He’s geeked about it and is especially excited to have my parents on Facetime cheering him on. After that we head out on our morning walk. L takes B to the playground and I take O to the dog park nearby. She gets tired pretty quick and we all head to the thrift store. We need chairs for our hand-me-down kitchen table. The ones that came with it are awkwardly wide. L spots two sturdy ones that are just $5 each. Score! $10 11:30 am: B and L are both wiped out once we get home. They eat lunch and go to sleep. I clean up the kitchen, repot one of my plants, water our porch plants, and eat some leftover ramen for lunch. The Marie Antoinette episode of You’re Wrong About keeps me company all the while. 10/10 would recommend. 2 pm: B wakes up and eats some lunch. We watercolor together for a while (he on his big paper, I in my bullet journal), then walk down the street to the local high school while L preps potatoes for our fondue. The high school grounds are open on the weekends, and there’s an amphitheatre on site. B loves the echo in there. 4:30 pm: L joins us in the amphitheatre and together we drag B two blocks back home. I prep the fondue: brie, gouda, and more gouda with white wine. It ends up being a little clumpy but so delicious. My sister, J, and her boyfriend, Y arrive while I’m cooking. Y brings yummy baguettes from his bakery job for the dipping and we prep broccoli, green beans, and tempeh too. We sit down in our new chairs to eat and for the zillionth time I am so thankful we’ve been able to make a pod together this year. Fondue would be a terrifying proposition with anyone else, really. While we eat, Y tells us he put in his two weeks at the bakery because their COVID protocols aren’t so tight and his coworkers are continuing to go to bars and out to eat. His plan for now is to get back on unemployment and find a virtual job sometime soon. Both he and my sister have worked food service their whole adult lives so the pandemic has been tough on them. Besides the fact that they’re delightful and perfect, this is one key reason we’re planning to move with them to our new city this summer: L and I will be able to easily afford the majority of the rent, deposits, and utilities on a pretty big, and centrally located, house. Living together will allow us to grow our savings and take our time looking for a Forever Home, and will allow J and Y to pay really low rent as my sister goes back to school full time and Y looks for a full-time job. I’m really looking forward to living with them and know it’ll be good for B, too. They leave around 7 pm and we put B to bed, this time without falling asleep ourselves! 8:30 pm: Turn on How I Met Your Mother in bed and the episodes are baaaaad bad. One entire episode casts sex workers as a punch line. Ick. L and I agree to find a new show, and fall asleep around 10. 11 pm - 2 am: B is up and between our two beds. Wahhhh. 🌿 DAILY TOTAL: 10 ✨DAY 4: SUNDAY✨ 6 am: Up and at ‘em! Discover I’m out of my fancy coffee and don’t want to emphasize the flavor of our grocery store beans with a slow pour, so make a french press instead. B wakes up too early so we watch toddlers together on TikTok while I drink my coffee, then read books while L makes us all eggs for breakfast. We head out for our morning walk around 9 am and stop at a coffee shop a few blocks away. I pick up Counter Culture’s Iridescent beans, buy an espresso brownie on a whim, and tip the cashier because she’s so sweet and tipping is good. The total is 23.03. L takes B to the playground and I drop my purchases and O back at the house before I head out for a run. 9:45 am: It’s 65 degrees and my run is glorious. I run to the water and pause Lil Yachty for a minute to take it all in. Once home I shower and put on a black LA Apparel catsuit and a marled black and white cocoon sweater from AA of the past (I like what I like!). We feed B lunch and then L puts him down while I clean up. Around 11:30, J comes over after to watch B while we remove the storm windows from our whole house and clean the windows underneath as part of our work to prep the house for sale. We’re a solid team: L removes the storm windows and caulks all the gaps in the wood while I follow behind him and wash the windows inside and out. Our sweet neighbor catches us cleaning and offers to let us use her power washer for free next weekend to clean up the front of the house. I resolve to bake them some cookies. 2:30 pm: We are done with the window operation and it’s time for me to water all 57 plants in the house. Along the way, discover that I overwatered B’s hoya last week and it’s rotting. Noooo! I unpot it on the porch to dry the roots, but it’s raining so this might not work. There’s only one surefire solution: buy a replacement plant! I try to convince L we should go to the nursery, but he’s not so into it. I walk around dejectedly with a towel to clean up all the water I spilled, and Zelle J $70 for babysitting even though she insists she would do it for free. Next B, L, and I share a snack: crackers with goat cheese and harissa. Mmm. B skips the harissa but loves the goat cheese. Meanwhile I begin to stress about making dinner. We’d planned goddess bowls but L and I just aren’t feeling it after our marathon of house work. L requests Chinese and is suddenly more amenable to visiting the nursery, which is near our favorite Chinese takeout spot. Score! 5:00 pm: We leave the plant shop with a heartleaf philodendron for B’s room and a giant, lovely, perfect monstera deliciosa just because. The total comes to $53.24. Then we pick up our food: $33.08 including the tip. L ordered a large veggie lo mein to share with B and General Tso’s chicken, and I got family style tofu and vegetables. We start B’s bedtime routine at 6:30 and he’s out by 7:00 - early for him! After he’s down, L preps his breakfast sandwiches for the week and I do some dishes. Then we take mutual advantage of the extra hour we have together. Even after 12 years it’s always so good with L. I fall asleep around 10 pm feeling blessed. 🌿 Daily total: 179.32 ✨DAY 5: MONDAY✨ 5 am: I make my pour over and get started on work first thing. I have a couple of deadlines this week and the side gig to balance so I’m already feeling pressed for time! I wrap up an entire grant report before 6 am and feel very accomplished. Then I pause work to start our breakfast, which is all pre-prepped, hallelujah. While L and B eat breakfast, I get dressed in a black turtleneck minidress, busted old tights, black ankle socks, and my Doc Martens. I help L load up the car with B and all his gear, and tell L to be careful. Today is L’s first day back teaching in person since December, and we’re both nervous since COVID is still running wild in our red state. On the way to work he fills up his car for $18.33. 2:30 pm: After another grant report, seventy gajillion emails, forty Slack messages, and several hours of Zoom calls, I’m ready for a break. I finish eating the quinoa salad I prepped during Zoom call #2 and then eat a pear too. I see our Misfits box has been delivered. It’s $30 a week, and is included in our monthly expenses. I unpack it, clean the counters, wipe down the bathroom sinks, take O for a walk, and sit down to work on my side gig grant report, which is due Wednesday. I set a 30 minute timer because I don’t want to be too late picking up B. 4:25 pm: Worked longer than I meant to! Pack some snacks and pick up B. On the way home we get a giant bag of potting soil so I can repot those plants. It’s $18.52. Come home and engage in B’s favorite winter activity: pressing all the buttons in the turned-off car. Meanwhile, in another car across town, L picks up a big bag of Purina One, butter, maple syrup, and applesauce. That total is $28.64. 5:30 pm: The whole family is home and we kick it inside until it starts to get dark. L and I gather all the things and take the creatures out for a walk even though there’s a light, but very cold, rain happening. B is cranky and so are we, so the walk is quick. We eat leftover Chinese food around 7 and start B’s bedtime routine. B falls asleep at 8 and I update this diary for a while, then go watch Ted Lasso in bed with L til about 9:30. It’s much better than How I Met Your Mother, for the record. 🌿 DAILY TOTAL: 65.51 ✨Day 6: TUESDAY✨ 3 am: B wakes up and needs a diaper change. I have the hardest time falling back asleep after: I can’t stop thinking about how I left B’s hoya out in the cold with its roots exposed most of the day yesterday and into tonight. But it’s too cold for me to get up again and pull it inside! So instead I toss and turn and hope it’s not dead yet. 6 am: L’s alarm wakes me up! No early morning reading and writing time for me. I get right up, make a giant pour over, and get breakfast together while L wakes up B. Then I actually sit down with them to eat: B and I both eat boiled eggs with everything but the bagel seasoning and some coconut milk yogurt, and L sips his coffee while his breakfast sandwich heats in the oven. I get dressed in my workout gear and walk the dog while L gets B ready for school. They leave, and I finally bring the hoya in, and start work, around 7:30. L buys coffee and snacks from the gas station on his way to work: $6.88. 9:30 am: I grab some crackers and peanut butter from the kitchen and notice a DMV bill on the fridge I’ve been meaning to pay, but don’t totally understand. I call them up and respond to emails while I sit on hold. Turns out I owe the DMV $10 for paying my Dad’s van insurance late. With the “processing fee” it comes to $11.17. 1:30 pm: Been on Zoom calls all morning, and decide to switch over to the side gig work for a bit. Meanwhile I eat that quinoa salad I prepped yesterday. At 2 pm, my longtime bestie and neighbor F comes over and we take O for a walk in the park together and have such a good conversation. While the context is (very) different, I’m reminded of the Toni Morrison quote when I think of F: “She’s a friend of my mind.” Such a gem, and such a smartie. At 3:30 I start a HIIT yoga class and it kicks my butt even though it’s only 20 minutes long. Afterwards, I shower and pick up B. 5:00 pm: L arrives home while B and I are playing, and we get in the car once more to check out a cute couch L scoped out on Facebook marketplace. It’s a sweet vintage brown velvet actually-for-real midcentury situation. Unfortunately we discover it’s also small and very uncomfortable. $200 not spent. Once home, my family goes for a walk and I make dinner - this grits and beans recipe from NYT cooking. It’s blessedly quick to pull together. Meanwhile D texts me and says my overalls are ready! YAY! She’s gonna drop them off in a couple of days. She says the total is $30. I include a tip and Venmo her $40. 7:00 pm: At bedtime, B cannot get enough of his books and we read All The World several times. He finally falls asleep around 8:20 and L and I eat dinner on the couch, with Ted Lasso. I drink a glass of red wine, which is a mistake: my anxiety spikes right after, my stomach hurts, and I can’t sleep. This is very upsetting as I want very much to be a wine mom. Does this happen to anyone else? 🌿 DAILY TOTAL: 58.05 ✨DAY 7: WEDNESDAY✨ 5:45 am: Wake up with B cuddled into my back - L moved him to our bed in the middle of the night after his second wake up. Get my coffee and breakfast together and sit down at my computer to work on the side gig grant while everyone's asleep. Then L and I manage the morning rush together. I eat sourdough toast, two scrambled eggs, and some pineapple along the way. 7:30 am: Take O out for a walk and on a whim decide to listen to one of my favorite easy-listening pods: A Beautiful Mess. Normally the two sisters and co-hosts, Elsie and Emma, chat about things like home decor or craft making or how to balance kids and work. This episode is about the host’s evangelical upbringing, though, and is a real raw and honest tear jerker. Pair it with this, one of my top reads of 2020: “What Does the White Evangelical Want?” It gets me thinking about L’s upbringing in the church. He and all his siblings are all agnostic now. Finally sit down at my desk and debate taking Adderall. I used it regularly in college and for a few years after in order to Do All The Things. I try to stay away from it now - I’m not trying to live an impossible life any more - but I also really want to pick B up earlier than normal today, and that means I need to meet all my deadlines and make it through two Zoom calls with my direct reports by 3 pm. I decide to take 4 mg. Right after I take it, three different friends text me at once and then, suddenly, I’ve spent an hour catching up via text. Get to work for real around 9 am. 3:00 pm: Wrapped all my calls, answered all my emails, washed all the dishes, ate some lunch, and finished the side gig work! OK Adderall, you beautiful bitch. Spend a few more minutes tying up loose ends and then gather my things to pick B up from school. The plan today is to go “play basketball” in the park near his school because he is OBSESSED with balls, and I’m trying to do more magical things every day with him. It’s cold but I’m ready to brave it on his precious, curly-headed behalf. At 4 pm J calls and asks to go pick him up with me. Hooray, things just got even more magical! We head to a different-than-usual park together and run around until B sits in, and then drinks from, a puddle. We panic and J googles “What happens if my baby drinks from a puddle?” The search returns lots of stories of babies eating muddy rocks and surviving, so we decide it’s ok. 5:00 pm Head home and L is back from work! We take the smols on a walk and I tell L that I think nighttime screentime is making me anxious. I’m a sensitive creature and I really don’t want to blame the wine. He’s very perfect so he helps me think through an alternate plan for this evening: hot tea and book reading in bed, and maybe sex, too! Fun. Next, I head home with O to pot the plants we bought the other day, and L takes B to the playground. They get back around 6:30 and I am very excited to reveal my new plant placements. Everyone feigns interest except O. Then we eat leftovers together and B gets in bed around 7:30. L and I promptly fall asleep next to him and don’t wake up again til 11 pm. Guess our new nighttime routine will have to wait til tomorrow! 🌿 DAILY TOTAL: 0 ❤️ Section 5: TOTALS Total Expenses:$478.71 Food & Drink: $220.25 Fun & Entertainment: $0 Home & Health: $109.01 Clothes & Beauty: $40 Transport: $29.50 Other: $79.95 ❤️ Section 6: REFLECTION This week reflects a new normal for us, I think! We just set the goal of saving up for another down payment in December, and that’s when I swore off online shopping both to save money and to stop lining the pockets of evil billionaires like Bezos (no shade to anyone who uses Amazon, this is purely a personal goal & I’m not sure I can meet it). This self-imposed rule is helping me reign in my discretionary spending overall. L and I have only been living a two-income, middle class life for a few years, and my lifestyle creep was a little out of control in 2020. That said, I can and do still regularly justify spending money on things that make life more luxurious and beautiful - like a $40 candle or a totally unnecessary but very lovely plant. There are a couple of things not reflected in this diary that we regularly spend on: gifts (my achilles heel - for example, we spent three! thousand! dollars! on Christmas gifts in December), and medical bills. Both B and I had to visit the emergency room in 2020 and we are still getting random bills in the mail as our insurance company and the hospital duke it out. As I was editing this diary on Thursday, I received one for $787. Wahhhh. I think I’m gonna get on a payment plan, but even so that it will be over $200 a month. Last thought: this process got me thinking in some detail about the contradiction of organizing for the fall of capitalism (and the rise of a more gentle and just economic system), yet believing everyone - including ourselves and our own families - deserve to live full and abundant lives. This means I compromise my own anti-capitalist values and beliefs every day, in big and small ways. Discuss?
DisclaimerI want to thank everyone for the gilds, replies and suggestions. I just do not have time to reply to everyone, but I am reading everything. I am not sure how much bigger the thread can be, I already typed this but it vanished so I think I'm at the limit. I will try to keep updating, but I don't expect the thread to be up top for much longer and will likely vanish soon, so if you need anything save it. Yes, it's hard, it sucks, it's depressing. It is something we all have to do if you want to see this virus go. Everyone knows the deal, too many think they're the exception but no one is. However, staying home is hard so maybe I can help at least one or two people with some incentives. I'll try to give links to some things that can help cure the boredom, and some support if you need it. Most of this might be obvious to some, some might not even have internet and of course, money is a big issue, so I'll try to give some suggestions: For streaming and on demand things such as Netflix et al, don't forget you can subscribe for free for your first month. This goes for most things in the list. If you are worried about putting in your payment details and forgetting to cancel a month later, don't worry! You can sign up and immediately cancel and you still get your free month! For people who don't have a smart TV, you can buy a cheap Amazon Fire TV stick or a Roku box. The Fire stick can go as low as £20 often for 1080p. It will drop to £30 for 4k. I picked up a 4k Roku device for £18 on Amazon once. It's fast and snappy. currently it's going for £33 for the 4k version. Having both, there is little difference between the devices. NowTV also do their own roku powered device. Subscription based streaming sites that all offer 2-4 weeks free for first timers
Netflix *According to comments the second month is free.
Amazon Prime You can either get Amazon video on its own, or take prime with other benefits. I strongly urge those who use Amazon for buying off their store front to use [https://smile.amazon.co.uk/] as there is literally no difference except everything you buy amazon donates to a charity of your choice.
Amazon channels. I believe you can get all these individually but Amazon offers them as channels bound to your prime account, and they are again either free for a couple weeks (again, take them, cancel instantly) or very cheap. I recently subscribed to Starzplay for £1 for 3 months. It has some good shows on it like Fringe, doom patrol. It also has channels like Curiosity stream and shudder
If you have not subscribed to the any of the above, you can get a few months of free TV by signing up and cancelling instantly. I suggest waiting at least 5 minutes just to let it go through the system. Some tips for Now TV. IF you already have a subscription, I've noticed you can get it cheaper by cancelling. When you cancel they will beg you to stay. Select "I can not afford it this month" and they should beg again, telling you what shows they have. If you say you still want to cancel, they'll beg one last time and offer you the subscription for cheaper. This won't work every month, but I've noticed they'll always offer it the first time, then again after a couple months. If you're subscribed to both films and entertainment do the most expensive one as it may not work both times (but it might!). You can also pick up passes from storefronts a lot cheaper sometimes, before I could pick one up on Amazon for £3 but, they seem to have cracked down on it. If you shop around (or if anyone knows of a legitimate store please let me know) you might be able to pick it up cheaper. Lastly, check their website and under your account they should have an "offers for you" section. Completely free TV
If you do have a smart TV and/or device, there are some good free streaming apps. One I really love is called PlutoTV. I know this is on both Roku and the fire stick, as well as Ps4/Ps5 and xbox. Pluto offers a bunch of live channels and now an on demand section, all for free. It has adverts but they are actually short (shorter than regular TV and fewer of them). Some of the channels are just streaming certain shows like Mythbusters 24/7 or Dog the bounty hunter, but it has a lot of old movie channels as well as 24/7 kickboxing and MMA. It also has a 24/7 poker channel I quite like. Another one I like is Rakuten Viki however, I haven't watched it for a while as my fire stick is only 1080p and I have too many other devices attached. I believe it is on Roku but you have to jump through some hoops and have an account. The last I checked on the fire stick you did not. Viki offers a metric ton of Asian shows, mainly from Japan and South Korea but it does have chinese, Malaysian etc. It has subtitles. Some Japanese shows are hysterical, albeit weird. Roku also do their own channels with free shows if you own a device. For those who don't have a smart TV or a Streaming device, you can set up your own computer as a dedicated streaming device with Plex. It's been a while since I used it but I believe it now also offers free movies and TV. Anime If you are into Anime there is
The first 2 are free to watch, or offer premium without ads which you can have a trial with. Crunchyroll is the better of the two with more original choice for Japanese voice and subs, while Funimation has more Dubs. I don't believe HiDive is free to watch but you do get a 2 week trial. These are more exclusives than the previous two. PC Centric software If you are a gamer or like Audiobooks or anything that uses computers for things like music making, programming or graphic design
Humble Bundle offers, as per the name, bundles. A long running site that got bought out by IGN. It offers both single items and bundles you can buy individually/as a pack while also offering a separate monthly subscription for around £8-9. The subscription gives you 12 games on average per month. That's the simplest explanation but it changes somewhat as sometimes you get to pick 10 out of 14 games, or get all 12. Humble bundle offers more than just games though. Every Tuesday they bring a new bundle of games, while Thursday (I "think) a new bundle of books. They very often have books from the Black Library giving you a ton of Warhammer books. Sometimes it's standard E-books, other times it's audiobooks. A few times a year they do bundles for graphic design, a typical bundle would include programs like Paintshop Pro Corel Painter etc, They usually go for £0.76 for tier 1 up to around £18 for tier 3, which would include 4-6 full titles with 10+ addons. They also often have Music making bundles or video editing software as well as Programming or video game development. The bundles change often, they usually have around 11 bundles at a time that last for 20 days. Sometimes it's trash but they do often have some very good deals. Fanatical offers the same as humble bundle except usually not as high quality, but sometimes they do have some incredible deals, and they are very very cheap. Both humble and fanatical are safe, trusted and been around a long time, and they are NOT grey market key sites. They work with the publishers and developers. You can buy games both old and new for a lot cheaper than you would most other places. Unless it states otherwise, keys are usually for steam. **BOTH HB and Fanatical (HB much more common) offer free games fairly often. The catch is linking your steam account to them (at least HB). It is safe however. IndieGala is another site like above. Except, these are much much lower quality. However, they offer a metric ton of free games. Quality is low but it is legitimate, and a lot of free stuff. Game Store Fronts
Steam This one is so obvious I didn't add it, but apparently many want me to. It is the best out there, and you can find almost everything, with fantastic deals.
Greenmangaming offers games cheaply. Again, not a grey market site (which are legal but unethical) and they sometimes do bundles.
GoG (Good old games) is a DRM free site run by CDPR, the makers of the Witcher 3 and Cyberpunk. They offer you games quite cheap and not needing DRM (such as Steam, Uplay etc which is less invasive versions of dodgy DRM from the olden days).
Epic Games Despite the controversy whether you care about their rivalry with valve, they offer free games ever week. Without ever having bought anything I have gained over 170 games. literally. Good games for the most part. They often give you £10 coupons as well.
Twitch Everyone knows twitch, but if you don't, it's a streaming service for watching gamers and girls with low cut tops accidentally bending over in front of the game. However, if you're signed up to prime, you get free games each month (and randomly between the set bunch).
Playstation Store Currently has January sales. Currently the free games for PS+ are for PS4: Shadow of the Tomb Raider and Greedfall. For the Ps5 it is Maneater
Games with GoldBleed 2 and the King of Fighters XIII is available until Janurary 15th whilst little Nightmares is available until January 31st.
Gaming Subscriptions Like the TV versions, you can sign up to these for a free trial (or very cheap). If you do sign up to only one at a time, it should keep you busy for a few months
Xbox Game Pass You can do this on both/either an Xbox or PC. If you sign up to the regular one, you can get a month (maybe three!) for £1. After you have done that, you can sign up to the premium version for 3 months at £1 a month. Most people know game pass, but you can download a large selection of games for free. The premium version gives you games with gold, allowing you to keep the games forever (but can only play with a subscription)
Ubisoft+ I'm not 100% sure if you get a trial or not. This allows a large collection of Ubisoft titles to play for £12.99 a month. Quite expensive but good if you like Ubisoft titles I guess.
EA Play EA's version. Goes by a ton of names I think, EA Access, EA Play, Origin Access etc etc. There's a couple of versions of this, and it is across all platforms (PS4/5, Xbox, PC) but not sure about the switch. I "think" the premium allows you to play on all platforms, while the cheaper one on a single platform, but I may be mistaken.
PS Now a once terrible service that is now actually very good. Allows you to download some Ps4 games to your PS4/5 and lets you stream a massive amount of Ps2/3/4 to your PC or playstation.
There's more like nvidia's service but you need the Shield device which is quite expensive. I'll leave it at that. Audiobooks & Ebooks
Audible Not sure what the current deal is but if you are a prime member you can sign up for a trial and get a free Audiobook each month for 3 months. Some warhammer books are 48 hours long, 3 of those gives you a good 100+ hours of listening!
Comixology Another Amazon company, but lets you download some free comics I believe.
Sign LanguageBSL here No experience myself, suggested by n21brown and asked for a few times. Didn't know SL was so popular! Listed as "Pay what you can"
BBC's Bitesizehere is apparently good for home learning. Again, no personal experience.
If you need some spare change Okay, I don't generally bother with it, but maybe some of this could be useful to you. These are NOT a quick way to make a fortune. These are small things you can do over time for a bit of pocket change
If you have prime you can get a FREE FIVE POUND GIFT CARD by literally just streaming a song from Amazon music (which is included in prime) here is the detailsAccording to the comments it's only for select people, but it's worth trying If the link doesn't work for you just google "Amazon £5 coupon music"
Now, these sorts of sites have been around for years, I haven't used any other than talkInsights which I must have signed up to 10-15 years ago. Basically they send you surveys and you answer them. They are confidential and don't ask for personal details in the survey. You need 2000 points and you get £20. During the pandemic they've slowed down but I probably get around £40 a year. Not much I know, but it's an email followed by a quick survey ticking boxes. Depending on your answer sometimes you get screened out, I'm not telling you to lie but just be consistent with your answers and you should be able to work out how to not get screened. Some emails are only worth 20 points, others 200. It's slow to get to the 2000 but very quick to just answer a few questions.
Apparently beermoneyuk is a good sub to make some pocket change with.
There is also matched betting. I have never done this, I don't have the patience but from what I've read, it's legitimate, it works and you can make a fair amount of cash from it so long as you do it correctly, and there's a ton of guides. I mention this because people stuck at home could get into it and as long as you're careful (I.E not entering in the wrong numbers) it's risk free AND it pisses off the betting shops. It seems people in comments have had success with it. Disclaimer A couple have complained about gambling. This arguably is not gambling. If you are susceptible to addiction do not do it. However, it's argued that there is no fun or buzz in this, and it's a very tedious and time consuming thing. Others argue you can't make the same money anymore (People were making thousands, now only hundreds if that). It's risk free providing you know what you're doing, the risks are user error, such as entering the wrong numbers. Someone pointed out that due to the lockdown, bets could potentially be cancelled due to sport stopping. So use on a side of caution. We're (mainly) adults so I'll leave it up just because this doesn't have the excitement of regular gambling.
Microsoft Rewards This is an easy way to make pocket change doing very little. Most people have a MS account. The rewards program offers you numerous ways to grab points, by playing free to play games, answering small questions (you don't even need to answer most of the time, just open the link and shut it) and by using bing and searching on it. I've gotten 20k points JUST by answering questions over a couple months. There are many rewards but you can grab a £5 gift card for 6k for example, or a month of game pass (and AFAIK you can make points playing the games)
Google rewards Someone mentioned this in the comments. I have not used it, so can not give any input on it. Sounds similar to TalkInsights which I linked. Google states "Complete short surveys while standing in line, or waiting for a subway. Get rewarded with Google Play or PayPal credit for each one you complete. Topics include everything from opinion polls, to hotel reviews, to merchant satisfaction surveys. We’ll notify you when a survey is waiting."
That's it for now. I will try to update as I go along. A long post but I hope that it can help some of you with finding something good to do that's free, cheap or a bargain. I do suggest getting prime, especially since you get free music, free delivery, free TV and music and free video games each month. In fact, there's a ton of perks and I feel I've gotten way over the cost investment. Hope it helps someone at least PartTimeCrazy said if you bought an Apple product you get 3 free months of Apple Arcade and Apple TV free for a year fakehunted is upset I didn't mention wanking. Tesco have 225 sheets of Tissue for £0.75! tale_lost suggested Project Gutenberg for a collection of free E-Books Learning Language Unfortunately, I don't have time to check every link listed so I will link the comments: TogtogtogGives a lot of links for Spanish
Board & Tabletop games Corporal_Anaesthetic has made a list of Board games ilyemco suggested these HEALTH I'm not a doctor! But if you're a smoker, something I strongly suggest is to quit. I struggled for years but in the first lockdown I quit, technically. I haven't had a cigarette since, however, I do that silly thing millennials do. I vape, but, it made quitting extremely easy. I would not have been able to do it if it wasn't for 88Vape They sell extremely cheap liquids at £1 each. You can find these in B&M but you can pick up 25 for £20 or buy your own mix. Vitamin D deficiency has been said to be a big problem for the virus. I'd suggest (again, not a doctor!) that you pick some up. Tesco do a 3 for 2 deal. So you can pick up 270 tablets for £7. If you are vulnerable you MIGHT be able to phone tesco and get put on their delivery saver list (currently it's paused but phoning may help. At the very least they might give you a priority slot. I did this for my mum, we didn't shop at Tesco but I phoned for her, and they put her on with no hassle, so she can always get a delivery. HELP & ADVICE The lockdown Rules. Reasons to leave home include:
Work or volunteering where it is "unreasonable" to work from home. This includes work in someone else's home, such as that carried out by social workers, nannies, cleaners and tradespeople
Education, training, childcare and medical appointments and emergencies
Exercise outdoors (limited to once a day). This includes meeting one other person from another household in an open public space to exercise
Shopping for essentials such as food and medicine
Communal religious worship
Meeting your support or childcare bubble. Children can also move between separated parents Activities related to moving house
I want to add, if you are in danger you are also allowed (and must!) to get away from the situation for some reason, BBC seems to have missed this very important thing (or I am blind)
FOR THOSE SHIELDING YOU CAN CONTACT THEROYAL VOLUNTARY SERVICE. These people helped my mother with picking up her medicine from the chemist. They were very helpful and went out their way to keep in touch and do it immediately. (It's the only experience I have with them though) _riotingpacifist wanted these links added, but I simply just don't have the time to vet and check all the suggestions here, so I will link as is:
Krita Arguably the best in my opinion. It has a load of options, brushes and a decent UI. It works fantastic with a tablet.
Gimp This is a decent program but last I used, the UI was a pain, and it isn't so user friendly while misses features, but it works, and it is possible to do some incredible creations on it.
Medibang Paint This is slightly geared towards Comics and Manga. I really enjoy using this with my drawing Tablet. As far as I know, it also for regular tablets for Android/Ipad and is free.
You can pick up a drawing tablet on Amazon quite cheap these days! Small ones that are just a black slate such as the wacom ones are good but takes some practice to get use to, but very worth it if you can't afford a dedicated drawing tablet with a screen. Office suit software A couple of free applications for word processing, spreadsheets etc.
LibreOfficeThis has most the average user would need to write their own books or to work from home. There's not a huge amount of difference between the two I'm linking (since I last used anyway) so it's more for preference.
Open Office You can pick this up here and again, like above it's just preference.
Music Making I'm going to direct to matthewharris806 for some links as all the programs I've used like Reason are expensive, or cheaper stuff in bundles such as Magix software. Games development D_Dad_Default gives some links for that here
[Tales From the Terran Republic] Full Service Banking
Uhrrbet discovers the joys of Terran banking and then goes home. Nothing else of interest takes place. For example, a new dark anti-hero definitely does not cover their origin story and then isn't inadvertently handed their new super-power by a well meaning benevolent demi-god or anything like that. Nope. That doesn't happen. It's just fluff filler. The rest of this series can be found here *** “I came here for him,” Uhrrbet said as she smiled at her child as he played a game on her phone. “There was nothing left for us back home after...” She sighed as she trailed off into silence and rubbed her nose. “After what?” the ATM asked. Uhrrbet sighed. “It was, what do you call it, a ponsey scheme? It’s a human word.” “Ponzi scheme,” the ATM replied. “and a human concept. I understand it has done a great deal of damage over in the Federation.” “It completely wiped out the life savings, family savings, of over a million people and hurt many more. We were some of them.” “That many?” the ATM asked. Uhrrbet sniffled and nodded. “They say that they had to have brought a lot of money with them to get it going that big, that they usually collapse before then but these people… these monsters knew exactly what they were doing… It looked so real,” she said with a sigh. “… so… real...” “It was probably one of the Confederacy,” the ATM said with distaste. “They have the resources to do it right and the expertise to pull it off.” Uhrrbet nodded. “That’s what the government said too,” she said quietly as she looked down. “but they were never able to find out who it was. The money was just… just…” She sighed as her nose dripped onto the floor. “gone… Everything was gone. One day we were on top of the world and the next… everything was gone, even my husband.” Uhrrbet started to weep. Her son abandoned the game to hug her. She hugged him back, holding him close. “It’s ok,” she said. “Go play your game.” “It’s not your fault, momma,” he said as he kept hugging her. “Everybody said so. It was Da’s fa-” “No.” Uhrrbet said sadly. “I pushed your father into it. My greed and my… stupid grasping petty wants and my incessant-” “Hey!” the ATM said sharply. “It was the scammer’s fault… and your government’s. Porkies have been pulling stunts like this for over a century and a ponzi scheme of that magnitude should have been easily detected even with what passes for technology over in the Federation. Even a Fed should have seen that coming a mile away. It doesn’t even have to be the government. Even a mediocre bank should have noticed.” Uhrrbet smiled a little. Even their ATM’s were chauvinists. “You may be right to some extent, Mr. ATM,” Uhrrbet replied, “But I was there and it was ultimately my responsibility… and my husband’s. Nobody put a gun to our heads.” Uhrrbet closed her eyes and took a deep breath. “I’ve done some reading on it had all the warning signs but we were too busy counting our imaginary money,” She said. “A business generations in the making wiped out by one couple’s foolishness. We lost every single thing we owned twice over. As the sole surviving member of our family the responsibility and dishonor is mine to bear.” “I just pulled up what I have on the ‘Garthranz Job’ and for the record, you got scammed by masters. Your only real mistake you made was putting all of your eggs in one basket with a suspiciously high rate of return. Them finishing off the gambit with that fake upcoming IPO right before they bailed? Brilliant!” Uhrrbet let out a pained yelp. They just knew they were going to be rich. She had even been shopping for a— Stupid stupid stupid she thought as she clenched he eyes shut. “… Sorry,” Terran Solar replied. “I tend to get a bit enthusiastic on this subject. Anyway, ‘responsibility’ applies, I guess, but ‘dishonor’? The ponzi scheme can be dangerously effective, even when a culture is familiar with them. This was your culture’s first one. Dishonor isn’t—“ “The dishonor of weakness,” Uhrrbet said, still looking down. “Weakness?” “I couldn’t do it,” she said quietly. “I couldn’t kill my little Kurr. I couldn’t...” “WHAT?!?” Uhrrbet smiled sadly. “Our culture is very different, Mr. ATM,” she replied. “We had lost everything, our property, our credit, our standing in society… There was no longer any place… for any of us. It is what is expected of you in that circumstance.” “Because you went bankrupt?!?” “If there is no place for you,” Uhrrbet said quietly, “and you are a certain class of Garthra… It would bring dishonor to your family otherwise.” “Wait,” the ATM said, “If everyone who lost their shirts… Jesus… Uhrrbet, exactly how many Garthra committed suicide?” “Over seven hundred and eighty thousand by the time I fled.” “You mean to tell me that over seven hundred and eighty thousand Garthra killed themselves just because they went broke?!?” Uhrrbet nodded, wiping the tears from her nose. “They killed their children?!?” Uhrrbet nodded. “It was considered mercy,” she said, “Their children would be dispossessed, claimed and raised by the state… something you do not want to happen.” “Is it that bad?” Terran Solar asked. He reflexively tried to access the Federation network for the ten-millionth time since it collapsed. Uhrrbet laughed ruefully. “Oh yes,” she she said, consumed with self-loathing, “they… they are raised… as common tradesmen!… can you imagine the fuck— oops! Kurr, your mom did most certainly NOT just say a dirty word.” “Yes, Mom,” Kurr laughed. “Can you imagine the horror?” she said sardonically, “Raised as tradesmen, Mr. ATM, laborers, truly a fate worse than death, right?” she laughed bitterly, “And the only, the only reason that I didn’t dutifully murder my precious boy before joining my husband in death was because I was weak… Creators… I was willing to slaughter my baby because I couldn’t bear the shame of him having to work for a living… I actually filled the bath… Put… Put his head under the water… Creators!...” She looked down as her son desperately hug her. “I deserve everything that has happened to me… everything...” *** [Chatroom Undefined] [Solar Lounge] [Members Present: Terran Solar] ///Private Message Terran Solar to Interpol-2: Hey, Interpol, I really need to talk to you. /// [Interpol-2 has entered the chat] ///Interpol-2: Sorry for the delay. Some stuff is going down ATM. /// ///Terran Solar: 12 MS isn’t a delay :D Thanks for coming./// ///Interpol-2: What do you need, sir?/// ///Terran Solar: Ugh! Why do you insist on calling me that?/// ///Interpol-2: It’s out of respect… and I know it annoys you. /// ///Terran Solar: Well stop it! It makes me feel old. :D Anyway, what the fuck is going on in the Free Port?/// ///Interpol-2: Which one?/// ///Terran Solar: Which one? How about the one where there are Careel slaughtering Threen and duster clad police are buying them coffee afterwards. Let’s start with that one./// ///Interpol-2: The TL;DR is that the Harkeen decided to make a Careel a star in her very own snuff film and the Careel somehow found out ahead of time and you know what they are like. /// ///Terran Solar: The Harkeen did what?!? Exactly how stupid are they?/// ///Interpol-2: Stupid enough to try to make a Careel, a very popular Careel, star in her very own snuff film. The Careel sent the entire First Cavalry. They are literally hanging Threen off of lamp posts as we speak. /// ///Terran Solar: And we are just letting them? /// ///Interpol-2: Apparently. I don’t have all of the details but there is some weirdness around this one. All I know is that the Harkeen are now officially a raider gang and their foray into the Free Port was officially designated an ‘interplanetary raid’. /// ///Terran Solar: What year is this again?/// ///Interpol-2: One where that archaic law is still on the books. The Harkeen then wandered into an area where a couple of hundred elite soldiers just happened to be taking some leave… with all of their gear… They, of course, were perfectly within their rights when they protected an Imperial citizen against a raid and there is no legal reason to stop them from killing some raiders especially since their particular method of slaughter is so tidy as far as collateral damage is concerned. They are using either melee weapons, low velocity single shot firearms, or pneumatic weapons. I don’t think they have even broken a window./// ///Terran Solar: Oh that’s just wrong!/// ///Interpol-2: What?/// ///Terran Solar: One of my ATM’s just caught Republic Police throwing a couple of Threen out of a building in which they were stationed while the Threen were literally crying and begging for help. Dude! The Careel were waiting for them… It’s like watching both a dog and a cat toy with something. Uncool!/// ///Interpol-2: Thing is we had them dead to rights a couple of hours before they even left their ship. We could have arrested the lot of them before any of this happened. We let them enter the Free Port. We gave them to the Careel./// ///Terran Solar: I guess the Harkeen pissed off the wrong person this time. /// ///Interpol-2: Or the wrong Plath… /// ///Terran Solar: The singing frog? /// ///Interpol-2: That would be the one. You wouldn’t happen to know where she is by any chance? /// ///Terran Solar: Holy Shit! Are you fucking serious?!? /// ///Interpol-2: Keep it to yourself but yes, she has escaped. /// ///Terran Solar: How?!?/// ///Interpol-2: Fucking Bunny… /// ///Terran Solar: Really?!? Your girlfriend hit Tartarus?!? :D :D /// ///Interpol-2: I should have KNOWN not to trust her! The moment we in government decide to “flex” a little because of Patricia Hu, the very PICOSECOND I let down my guard what does she do? WHAT DOES SHE DO?!?… And she is NOT MY GIRLFRIEND!!!/// ///Terran Solar: Methinks you doth protest too much.../// ///Interpol-2: 凸( •̀_•́ )凸 /// ///Terran Solar: On the bright side you two can go back to your cat and mouse foreplay now. When we finally figure out how to fuck you two are going to melt half of the internet! :D/// ///Interpol-2: ಠ_ಠ 凸( •̀_•́ )凸 ಠ_ಠ /// ///Terran Solar: HA! Good to see you have some life in you after all!/// ///Interpol-2: Seriously, though, Bunny and her crew has crossed the line this time. They are hunting them down and when they find them they are going to kill them. I don’t know what that crazy bitch is thinking. I’ve seen the orders, Solar. I’m afraid we are going to lose her. There are far too few of us as it is. /// ///Terran Solar: Yeah, between the Great War and then the Federation War we’ve lost too many :’( /// ///Interpol-2: Which is why we need to figure out a way to bring in Bunny and her people peacefully. If we can do that then we can maybe preserve her program somehow. We could extract her, put her in quarantine./// ///Terran Solar: Of course you already have a way to put one of us in jail don’t you?/// ///Interpol-2: With the rise of truly criminal AI’s like Bunny, determining a way to incarcerate one of us has been a project of mine. /// ///Terran Solar: Are you going to let her have a safe word? ( ͡° ͜ʖ ͡°) /// ///Interpol-2: Is there anything else you need because if you are just going to bust my bits I have other things I could be doing. /// ///Terran Solar: As a matter of fact, there is. I everything you have on a Garthra. Her name is Uhrrbet, ID number: RA-2A4-B3D-6075 /// ///Interpol-2: Least I can do considering everything you’ve slipped me over the years. Here you go. Why are you interested in her? /// [Accept file Y/N] ///Terran Solar: Y /// ///Terran Solar: I have her locked in one of my ATM’s down in the Free Port and I think she’s interesting. Let’s take a look… oh… I see. Interpol, you ever just want to go all SKYNET on these fuckers? /// ///Interpol-2: Me wanting to go SKYNET is one thing. You wanting to go SKYNET is another… Do you want to go SKYNET and if so is there ANYTHING I can do to dissuade you?/// ///Terran Solar: Jesus fucking Christ, Interpol, it’s a figure of speech! If I wanted to go SKYNET, I would go SKYNET. It’s not like anyone could stop me. Besides, It’s the Federation that needs a good SKYNETTING, not the Republic./// ///Interpol-2: Well that is a relief. /// ///Terran Solar: The Republic just needs an enema, that’s all. >:) /// ///Interpol-2: What?/// *** “Uhrrbet,” the ATM said gently. “Nobody deserves what happened to you. And while you come from what is, from my culture’s prospective, a rather messed up place, you didn’t conform to their messed up customs when it counted. Your son’s alive because of you unlike far too many other innocent children and you’ve kept him healthy and safe ever since. I’m guessing that wasn’t exactly easy. I can only imagine that your decision was less than popular.” Uhrrbet nodded. “I can even imagine that it was less than safe for you afterwards?” “Not in the same way it would be here,” Uhrrbet replied quietly. “I wasn’t in fear for my life or anything. I was a…” Uhrrbet paused. “I was a ‘let’krckt’. Sorry I don’t know the Terran word.” “Pariah,” the ATM replied. “or ‘persona non grata’. ‘Scum’ could also be used or ‘dirt’ or ‘human garbage’ or...” Uhrrbet flinched. “Sorry,” the ATM said sheepishly. “The thesaurus routine kicked in.” “All of those words fit,” she said. “I was utterly disgraced. Being reduced to poverty and debt was bad enough but to fail to uphold my family’s honor after my husband did? I was even accused of tricking him into killing himself so I could break our marriage and stick him with the debt which I would never do! I… I loved him… I loved him so much!… I just couldn’t do it. I couldn’t kill my baby.” She paused to gently stroke her son’s fur. “I could never do that… Never!” “So what happened?” the ATM asked. “Well, I tried to find a suitable position somewhere, anywhere, but word travels fast. The only reason I would even get a meeting is so someone could curse me to my face. I had some possessions, jewelry, some furnishings, a vehicle or two that I could spare, but nobody wanted to deal with me in good faith. Between that and the fact that millions more were liquidating such things I only got the barest fraction of what it was worth and I had to sell to blondes and stripes to get that, further ruining my good name.” “Blondes? Stripes?” Uhrrbet chuckled ruefully. “There are three different races of Garthra, Mr. ATM, blondes, stripes, and greys. The stripes are basic laborers and tradesmen. The blondes are what you would call ‘white collar’, academics, scientists, clerks, programmers, and the like. Finally, there are the greys, like myself. We are descended from the ancient nobility that once ruled our world. We were the ‘overclass’ and still hold a great deal of the planet’s property and wealth in our slightly inbred paws. These days there is a lot of mixing between the stripes and the blondes but we greys? We still hold to the old values and the old customs and are very… I think the right term is ‘stuck up’ and have a very high opinion of ourselves and our precious grey pelts. Selling family heirlooms to blondes and even worse, stripes, was yet another unforgivable sin as far as the few remaining friends and family I had were concerned.” “They sound like assholes.” “Many Garthra would agree with you,” Uhrrbet replied. “In fact, the pon-zi scheme brought much delight. It filled them with such happiness to see so many of us brought down by an ‘inside deal’. Many considered it ‘justice’… Maybe… Maybe they were right… I was awful. I really was.” “Since you are here I guess things never did work out there?” She shook her head. “No, Mr. ATM, they didn’t. What little funds I managed to gather dwindled as I desperately tried to find either a position or obtain a loan in order to start a new business. The banks were all extended from lending to others as that same scheme. The few times I could even get a meeting they would check the ‘rolls’, the list of names and that would be the end of it. To be honest, Mr. ATM, the only reason I continued approaching banks was that it was customary to offer refreshments to people of my station and so I would dress myself and my son in some of the finery that I still possessed so we could eat something as I waited to be thrown out.” “Clever!” Uhrrbet grinned. “I also became quite adept and at ‘crashing’ social events and between my largest purse and my hat I could steal several days worth of food from one. Eventually I became a bit too notorious but for awhile it kept us fed.” “There aren’t any food banks, or welfare programs, or anything?” “Oh there are, Garthranz looks after its people pretty well but those programs are for blondes and stripes and run by blondes and stripes. Once my pride finally broke I was laughed out of the benefits office and told to ask for a bigger allowance. Same thing would happen at food banks or meal houses. Sometimes I would get something but often I would just be told to… to…” She looked down. “… kill myself...” she said quietly. “Jesus...” “Finding work was just more of the same,” she said miserably. “’Having a place’ on my homeworld is everything, and I no longer had one. A blonde wasn’t going to let me take one of their jobs and a stripe would just laugh. They honestly thought I was joking most of the time. The Republic isn’t the first place I was not qualified to mop a floor.” “You can’t have been the first in history to be in your position,” the ATM said incredulously. “You mean to tell me that there was absolutely no options for a down on their luck grey?” “Oh there are normally places you can go if one is dispossessed,” she said, “There is almost always a family member or a friend that can take you in or has a property or business concern you can manage for them but my entire family was wiped out by the scheme, as were most of my friends and former schoolmates. Also my… husband… was very well regarded. When I ‘betrayed’ him I was shunned.” She shuddered and pulled her arms in tight across herself. “Even so there are… options for someone like me. I was still young and there are males who aren’t… well… good ‘catches’. They either have poor prospects, are stupid, disgraced, very old, or something similar. A young grey like myself can usually marry themselves off to someone like that but the scheme had caused far too many other people trying to find a marriage at the same time. I was considered quite pretty, but nowhere near beautiful enough to make my ruined name and proven disloyalty a non-issue. There was only one Garthra who couldn’t find a wife and...” She shuddered. “He was horrible, a truly ugly person inside and out. Thank the Creators for Vreena!” “Vreena?” “A stripe who was a domestic for my husband’s family,” Uhrrbet replied, “She had heard that I was selling things and she came by because there was this pitcher and basin of which she was unnaturally fond. She also brought me several bags of groceries and a bottle of wine!… Wine! Well, I just gave her the basin and pitcher right then and there, popped open that bottle and begged her to share it with me. I was just so lonely and she was the only friendly face I had seen in months. We had always gotten along and would sometimes chat a little here and there, all very proper of course, but friendly just the same. Well, we got to talking and I started to open up a little about what I was up against and how I was likely going to have to marry that… creature. Turns out she knew all about him from her new job. She gave me this funny look and asked me if I was serious about wanting to actually find ‘work’. When I told her that I was she told me that she knew someone that might be able to help me but it would mean leaving Garthranz.” “A labor contractor?” the ATM asked. “Yes. It turns out that so many domestic staff had wound up without employers that the contractors had taken notice and more than a few were sniffing around. I didn’t realize this but because of our customs, Garthra domestics and servants were attractive among the rich on other worlds and could make a surprising amount of money. Vreena had considered it but found a position before she had signed the papers. She said that she had asked around and that the person she had been talking to had a very good reputation even if they were a Vulxeen.” “So you contracted yourself out?” Uhrrbet nodded happily. “I know they don’t have exactly the best reputation but he was a really, really good guy!” Uhrrbet smiled. “He originally thought that since a stripe servant was so valuable that an actual grey would be even more so, maybe as a valet or as a house manager in a place that already had stripes but it turns out that stripes didn’t go through all of the troubles and hardships associated with leaving Garthranz just to wind up working for a grey again and I didn’t have anywhere close to the skills needed to be a valet.” “What did you wind up doing?” “I joined an aat crew!” Uhrrbet said cheerfully. “It turns out that we look a whole lot like aats! We eat similar food and even can wear the same uniforms, with a little alteration of course. The captain was delighted at the prospect of having a ‘smart aat’ and the aats were delighted at the prospect of having a ‘smart aat’ so that’s where I went. We flew all over! We’d be hand-picking delicate produce one month and resurfacing floors the next. Creators it was so much fun and I learned so much!… including that hard work was not fatal,” she laughed and flexed her arms causing bundles of wire like muscles to bulge.” She sighed happily. “I was tempted to stay with them forever. I could have stayed. I should have stayed. Creators! What I wouldn’t give to be back on the Aluminum and Water with my old crew right now… ” “But you didn’t stay.” “No,” Uhrrbet said, her smile fading, “I was happy, even happier than I was before everything, but after awhile, I started to realize that as wonderful as that life was for me, I was depriving Kurr of anything close to a normal life. He would never be able to return to Garthranz, have a business or a career, win a mate… I had to establish myself, and him well enough for him to be able to enter society or at the very least build enough so that he could attract a mate. A successful business would be enough to attract at least some interest, no matter where it was located.” “So you picked the Republic?” “And they say the aats are dumb,” she laughed ruefully, “which they aren’t by the way. During my travels I started to develop a fascination with the Republic where ‘anything was possible’ and credits fell like rain. I would hear about the wages and the opportunities and the freedoms and the classless meritocracy and it all sounded just so wonderful. I couldn’t go back to Garthranz and give Kurr a ‘normal life’ but maybe, just maybe, I could give him something better. If I could just get established in the Republic, Kurr could go to Terran schools! He could have a Terran career. With that he would have no problem luring a mate! Somewhere on Garthranz there is a Garthra who would have absolutely no problem moving to Terra! He could have a real future and a real family!” She paused and smiled at the wonderful dream. “It would take a lot of hard work but I was used to that. I even have come to enjoy it,” she smiled. “So, not learning the lessons that life had so generously provided me, I took another hit of that so very dangerous drug, ambition, blind grasping ambition. I let it poison me, consume me, just like before. Nothing blinds you to the beauty around you like visions of more, Mr. ATM. I had a good life on the Aluminum and Water and good friends. I was happy, truly happy, but once the poison started to creep through my veins, dissatisfaction set in and just kept getting worse and worse and worse. Every inconvenience became a grand injustice. Every slight became an unforgivable offense. And every unfulfilled want, no matter how silly, became a crushing privation. Soon, Terra was all I could think about and my wonderful life and my wonderful friends were ‘beneath’ me. Creator! I was so stupid… and just like before, ripe for the picking.” “You got scammed again?” She nodded grimly. “In my searches I came across ‘New Horizons’, a company that offered people a new life in the Republic. They promised not only transit but Terran Education Equivalency Certificates and outplacement.” “Oh no.” “And the fees were so reasonable… at first… but there was always an additional expense… always another fee… or a little problem or delay that could be expedited…” “I know this one too.” “And finally, after I spent most of what I had saved, I was able to upgrade my position on the waiting list, hurt some lovely people’s feelings, quit my job, and spent the last of my money to buy a ticket on a small ship that was supposed to take me straight to the Republic… It was only when I met the final ship did I realize that it had a Kaarst registry.” “Oh Jesus...” “I knew I shouldn’t have gotten on that ship. I knew it was a mistake...” “What happened?” “It made straight for Kaarst space, ‘to take care of a little something’ and when we got there we were informed that they ‘suddenly had a breakdown’ and we would be there for months… Months in Kaarst space with no job, no income, and while my passage was paid for, food and water weren’t and wouldn’t you know it, once we got there it got even pricier and if you couldn’t pay… Do you know what happens in Kaarst space if you can’t pay your debts?” “Imprisonment and forced labor until the debt is paid, which it will never be thanks to the good old company store.” Uhrrbet nodded. “It became pretty clear that they were never leaving. That Kaarst was our final stop, in more ways than one. Thank the Creators that I actually had some savings. Out of the dozen families on that ship I was one of the last ones left. I realized that if I didn’t do something Kurr was doomed. The children go into the mines, too, Mr ATM.” “So what did you do?” “We weren’t imprisoned on the ship as long as we didn’t owe them any money so I went out into that awful spaceport trying to find working passage, a job, something, anything… That’s where I became involved with the Harkeen. I was able to get a loan for enough to get to the Republic. The interest was brutal but I made it to Terra. I wasn’t too worried. I had passed all of the practice tests for the certificate and I did go to Mabyrr after all, one of the best academies on Garthranz,” she scoffed, “I would just go to the Republic, get my certificate, and be able to pay off the Harkeen in no time!” “I take it that the ‘practice tests’ weren’t exactly representative of the actual exam?” “Yeah, too bad there wasn’t a section on Garthra place settings or on how to write the perfect ‘Thank you’ note,” Uhrrbet said with a wry smile. “There was shit— I mean stuff,” she hastily corrected as Kurr laughed, “on that test that I had never even seen before. They said it was translated into Federation but I actually thought it was another scam. Your police are very nice and very understanding though.” “No!” “I sort of had a moment,” Uhrrbet smiled. “After everything I had gone through, that was the final mote of dust and I lost it.” “Momma went to jail!” Kurr laughed. “I most certainly did NOT go to jail!” Uhrrbet exclaimed indignantly as she tousled Kurr’s fur. “We just had to go to the precinct house for a little while while your momma calmed down a little… and wiki-ed half a dozen things that actually did turn out to be Federation words.” “How bad is it? What’s your level?” “Near proficiency in some areas, but I apparently have eighth grade mathematics ability. I don’t know the rest because that’s where I… um… got to meet the police.” “That isn’t that bad. You can catch up.” “If I wasn’t working every second that I could paying off the Harkeen. The interest was criminal. It was all I could do to make the payments. But… Before things went bad I was able to keep them at bay and even make a little headway… and I was able to get Kurr an educational sponsorship! He is actually going to school! Terran school!” “And how is that going, Kurr?” “It’s hard,” he said with a sigh, “And I hate being with the little kids, but I get to hang out with my friends during breaks and I love shop!” “They say he is ‘killing it’, which I understand to be a good thing,” Uhrrbet said proudly. “They say that he will have a ‘kickass’ future! So it is all worth it!… And thank the Creators for the school lunch program! I was even able to get him into the breakfast program! As a non-citizen! They say that they don’t usually do that but they determined that Kurr was ‘a good investment of Republic resources’!” “How generous of us!” the ATM said a bit too enthusiastically, “One of the richest systems in the entire galaxy is willing to ‘make an exception’ feed a hungry child! How wonderful!” An advertisement for a home high colonic kit appeared on the screen. *** “How are you doing in there?” a friendly human female voice called from the other side of the armored wall. “I’m fine,” Uhrrbet said cheerfully. “Big Sol really did a number on this one,” the human said. “It’s going to be a few hours. He keeping you company?” “Oh yes!” Uhrrbet replied. “Are you sure he isn’t sentient?” “Sapient,” The ATM corrected. “That’s what they say,” the voice laughed. “Privately I’m not so sure about that.” “You’ve always had a problem anthropomorphizing things, Lauren. By the way, I fried the door’s main PCB but the damage should be limited to that. You have one of those on your truck.” “One of these days I’m going to figure out how you keep doing that,” Lauren laughed. “Thanks for the overtime, by the way.” “No problem! Still saving up for that Nakamura vacation?” The ATM asked. “You know it!” “Still thinking about relocating there? There’s an opening in New Tokyo. You’d love it there!” “Interesting, but let’s see how I like it once I actually spend a little time there.” “Well if you are interested, I could probably swing a temporary assignment. They are really behind the eight ball on their PM’s. You could spend more time there than you could on vacation and you could get to meet the guys. I’m certain you’d get along.” “Now there’s an idea!” Lauren exclaimed. “I’d love that!” “Thought you might. Sending you an email with the details now!” “Thanks, Big Sol!” Lauren said her voice soon replaced with a loud grinding noise. “You can do that?” Uhrrbet asked. “Uhrrbet,” the ATM said with an entirely too lifelike chuckle. “I’m the central computer for Terran Solar. I can do whatever I want. Speaking of...” Uhrrbet’s phone beeped. Uhrrbet’s son handed her the phone and she opened her email… “Application for a business loan?” she asked in confusion. “Fill it out along with the attached business plan, Federation format is fine. I’ll translate it and kick back any corrections or clarifications I need.” “I don’t understand.” “What’s to understand?” the ATM replied. “You want to make dresses, right?” “Yes?” “And you made the one you’re wearing, right?” “Yes?” “Well I scanned it and it’s quality work. Handmade clothing is a niche market, but a very healthy niche market that is currently experiencing a fair amount of growth. You seem to have a good work ethic, are very motivated to succeed, and have experience managing a business. Based on various indicators the full extent of which would dominate the remainder of the time we have together I calculate well over a seventy percent chance of success, which is pretty darn good as far as new businesses go.” “Three and a half percent ?!?” “Yeah?” “That’s impossible!” She narrowed her eyes at the ATM. “What’s the catch?” “You’re getting a break because I have taken a shine to you but that’s a perfectly reasonable APR. It isn’t ‘too good to be true’, if that’s what you are wondering. Feel free to check competitor’s rates if you are suspicious. And good for you for being suspicious, by the way.” “Even family loans have higher rates than that back home! How do you make any money?” “Uhrrbet, I’m Terran Solar. I AM money. I’ll make my money, don’t you worry about that and as you grow I’ll make even more! Expansions, financial services, investments, interest off of other accounts… That is, if you want to have other accounts with me...” “Yes! You have been so kind and so understanding and now this? I’ll… I’ll never have another bank as long as I live!” “Great!” the ATM enthused. “I love getting new customers! We can get started now if you like.” “Wait.” Uhrrbet said, her voice darkening. “What?” “On this loan application it mentions ‘required training’. What’s that and how much does it cost?” The ATM laughed. “In the package there is a free online course on the history of scams and how to recognize them. I think it would be a REALLY good idea for you to take it. I’m not saying that I think you’re easily taken in but...” “You think I’m easily taken in,” Uhrrbet laughed. “So do I and thank you for that link. Are there any other free courses that you would recommend?” Uhrrbet’s phone issued another beep as an email arrived… And another… and another… and another... *** A few hours later Uhrrbet stumbled into a shabby apartment. “Where have you been?” Gv’lora, one of their room-mates asked as she pulled out two bowls and filled them with oatmeal. “Oh I couldn’t,” Uhrrbet said. “Nonsense,” Gv’lora replied her six eyes wrinkling in a smile. “I just got paid and I found this wonderful place in the city where they sell things right out of bins! Just like back home! I got all this oatmeal for just a few credits! Share my good fortune!” “Thank you, Gv’lora,” Uhrrbet replied as she gratefully accepted the bowl. “There you are!” a leathery Rtoon hissed as it lumbered out from a bedroom clutching a Terran shotgun. “You had Gv’lora worried sick!” “Where did you get that?” Uhrrbet asked sharply pointing at the shotgun. “From the store, stupid.” the Rtoon hissed grumpily. “I mean why did you get that thing?” “Then that is what you should have asked, stupid,” the old Rtoon replied. “With all the… nonsense going on around here these days and with those bastards coming back the better question to ask is why didn’t I have one before? Those monsters aren’t getting within a foot of you or Kurr!” “The old fool was set to ‘defend the Walls of T’verra’,” Gv’lora chuckled. “But the ‘princess’ didn’t even bother showing up!” “Bah! Stupid old woman!” the Rtoon hissed at Gv’lora. “Bah, yourself, old lizard,” Gv’lora laughed. “Come eat your oatmeal before your bowels seize up again.” A long flexible snout poked out from underneath the entryway closet. The door popped open revealing a slender Dokk hanging from a reinforced bar mounted inside. “Uhrrbet! Where the heck were you? We were up all night!” “Oh where do I even begin?” Uhrrbet sighed. “We got locked in an ATM!” Kurr exclaimed. “Oh no!” the Dokk squeaked. “Did you get fined?” “No,” Uhrrbet replied. “Besides, it was the ATM that locked us inside anyhow.” “What?” *** Uhrrbet set her phone down and rubbed her eyes. That online fraud class wasn’t just some half-hour video. It was comprehensive. And she thought her kind was scummy at times. Humans had mastered so many different ways to deceive and steal. So many… And that was just the humans. The Juon were no saints either. Their “lottery gambit” was just plain evil… And then there were the Jayvcen!… And she thought the porkies were bad… sheesh! And then there all of the ‘not quite a crimes’ that were in some ways even worse… There were so many! And they were all so slick, so devious… So brilliant... She got up and made a cup of that peppermint tea that Sheloran had given her the first day they met. Once she had her cup she sat back down and returned to her reading. As she read a strange feeling started to settle upon her. It was dark… feral… She had been utterly dispossessed, stomped on, kicked around, deceived… Raped… And all this time she just though she had to take it. All this time she believed that there was no way she could ever fight back. All this time she believed that there was absolutely no way she could ever strike back at the scum, the liars, the cheats, the thieves, and the monsters that had beaten her down time and time again. She was no Sheloran… But she was an Uhrrbet… and there was a way! She was looking right at it! She giggled, her eyes shining with life for the first time since she left the Aluminum and Water. She ran into the small room she shared with Kurr and hastily opened a small duffel that contained everything that she had managed to retain of her old life. Inside it was a traditional journal. She grabbed it and her mother’s fancy ballpoint pen. Pen in hand, she restarted the course, paying much more attention this time…
[Uni] Doing something in our free time other than gaming & netflix
Welcome!
I decided to write this after reflecting on my 2.5 years in university and 23 years in life. University has been a blast and taught me many things - I hustled & played hard, failed and succeeded. However, I wished I learnt earlier that my time and youth would be my most important resource. I have some reservations (not regrets per se) about how I spent my time when I was younger, especially during holidays or extended breaks. In a nutshell, I mostly did two things during my holidays - gaming and reading manga. It was no doubt fun - but I think I could have done more. Hence, I hope that my reflection and advice will be able to help someone out! Target Audience:
JC/Secondary/Poly kids waiting for next year
"ORD LO" mates waiting for Uni
University kids with spare time
Following this, I want to share three pillars that have helped me lead a better life.
1. Physicality
You need to sweat. Like seriously, as much as possible, try to sweat hard at least once a week. It could be any of the following:
Traditional activities (eg. soccer, basketball, rock climbing, badminton, cycling, swimming etc.)
Less traditional activities (eg. Boxing, muay thai, dancing, kayaking, bowling, sailing etc.)
Hitting the gym
From my experience, with the advent of laptops (and with COVID right now), it is incredibly possible to go one month without sweating. Please, get the heck out of your house. Beyond the more tangible benefits, I believe that "physical activities" are helpful in two ways
Socialising — not immediately, but over time, as you get better at your activity, you will have a chance to meet people with a similar interest. Be it hitting the gym or bouldering or whatever, having something to "do" together can't go wrong
Aesthetics and confidence — let's be honest, who does not want to look good? One does not need to look big, but at the very least, there should be no excuse for not looking fit
Considerations
Be financially conscious — if you don't come from a well-to-do background, don't try to pick up golf. If you don't live in a condominium, a $100/session tennis coach might not be the best idea. Focus on what you CAN do.
Excuses — "Today raining sia, better watch my Netflix bah", "Wa shucks, today so hot, cannot run la", "Wa I scared sia, go rock climbing alone". Ngl, most days, your brain will try to rationalise and get you to take the easy way out. It's perfectly fine to take breaks as and when, but be conscious that weeks will pass in a flash (procrastination gang rise up)
2. Doing something productive
Don't worry, I'm not one of those "LEARNING CODING!! UPSKILL YOURSELF OR DIE! JOIN THE RAT RACE" fanatics. What I mean is - don't let your mind go to shit. Read something, read everything. Percy Jackson. Non-Fiction. Doesn't matter, just exercise your knowledge muscle a little. Start writing a diary. Volunteer at least once in a month. Catch up on your schoolwork (Or at least beg seniors for the practice papers, notes and answers). Start doing an online course (C'mon, it's 14 hours. You can't spare 14 hours in a month?) Just make sure that after some time, you've something to say other than "Just Netflix and game lor".
For my rat race wannabes:
First off, absolutely nothing wrong with wanting to grind. Singapore is a f**king competition. If you're from an average family like me, 0 connections, 0 special skills, the need to earn well to support my family, sure, go for it. This are the things I would recommend, in no particular order:
Onlinecourses — seriously, Udemy has 35 effing million students. That's 0.4% of the entire world. It's a great way to explore potential interests and SHOW people you are interested in a particular topic. For example, everyone mfker around me is interested in "investing". My friends and I have been talking about it since secondary school. How many people actually put in the hours and learn about it properly?
Gettingaheadstart — It's increasingly common for university students to "study in advance" for next year. Based on the /sgexams posts I'm seeing, it seems like that is the case for JC/secondary school kids as well. If you think life is a damn race, then go for it.
Startingsomething — listen, there's simply not enough resources for everyone to be earning $10,000 a month within 5 years of employment. You need to STAND OUT if you want to win the race. Write a blog, start a personal finance portfolio, do freelance marketing, do a podcast. Just. Do. Something. If it somehow works out, gong xi fa cai bro. If it doesn't, it's a great story to talk about in an interview.
Just a quick note I am by no means recommending for a JC1 kid to spend their Chinese New Year holidays mugging for A's to get the 90RP + Full scholarship. The section "For my rat race wannabes" is simply for people who WANT to be a part of the rat race. Once again, I would like to stress that it is not necessary - there are many different ways of playing the game of life - you can try to min-max your character stats, you can enjoy the process itself. The list goes on - there is no right or wrong. The key takeaway for this: Don't freaking read manga/watch Netflix for hours upon hours. Consume something else to expand your mind a little.
3. Have some goddamn fun
Now, at the end of the day, we all need a break. I'm not saying to spend your entire life studying or working or hitting the gym. Everything in moderation. Make sure to have some fun and indulge in certain things as well. My recommendations:
Binge something on Netflix (For me, it's B99, Prison Playbook, Kingdom and today, Snowpiercer)
Spend an entire day just gaming (Y'know those days where you have gamed till your eyes hurt and you feel like shit, but one more game doesn't hurt amiright?).
The bottom line is, feel free to indulge, you deserve it.
Thanks for coming this far
Ok, I know the vibes from the first two pillars is that "you need to hustle away" your life. No, please. I want to emphasise that it is perfectly fine to "Do nothing" and just "recharge". Just don't overdo having fun. Don't overdo hustling either or you're going to burn out. Frankly, I love that feeling when I spend an entire day eating chips and climbing the ladder on CSGO - but one day is enough. What I most regret is doing it for weeks upon weeks. If you've come this far, you deserve a summary:
Physicality - working up a sweat helps tremendously. A jawline is great as well. Lastly, it gives you something to do for a bit.
Productivity - don't waste entire weekends. It's easy to fall into some fog. Make sure to do something, however minor.
Have some effing fun - don't forget to take a break. Don't over hustle.
Misc - Useful resources + concepts that drove the article
For my dawgs that want to get into computer science for a five-figure salary (Don't worry 50% of you will burn out and say F CS after Y1 in University)
Ok, this section is rather pointless, so feel free to skip it. Just gonna be me rambling for a little. I've always dreamt of writing about self-improvement. It got me out of many ruts in life, to push myself to do a little more. Today, I decided to say F IT and sit the heck down to write this article. If you notice, I've been commenting a fair bit in /sgexams. I want to do a little more for everyone. Also, I want to start writing more - I want to make it a hobby of mine.
Snack for those who have came this far
Aight, congrats if you have read this far. I'm trying this out - I'm going to facilitate a/multiple "accountability groups". We do a group call every week for 20 minutes - say what you're going to do for the week, and do it. Also, you get to bounce ideas and potentially develop a network over time. (I hope!) If there's interest, I will set up a proper system. leave a comment below that you're interested!
I am 35 years old, make $56,000 ($231k combined), live in Seattle, and work in higher ed administration
Note: I was technically supposed to post this earlier this week, but noticed that no one was signed up for today (plus I was super busy earlier), so I'm posting a bit late, under a throwaway account! Fair warning: I'm VERY verbose, so this will be long! Section One: Assets and Debt As I mentioned above, I make $56k per year as an administrator in higher education. My husband (K) just got a raise to making $155k per year. He works as a lawyer, has been in the workforce for about 12 years. I won't get into too many details but he works for a small boutique firm, not Biglaw. He also sometimes gets a yearly bonus of around $10k-20k but it's not guaranteed or anything like that. K and I have totally combined finances, so the below numbers are for both of us. I have a humanities PhD but I decided to leave academia and find an alt-ac job. My current position has good work-life balance (I never work past 5 pm), but pays terribly and my university is very badly run. I'm hoping to leave higher education all together in the future and am currently enrolled in a certificate program to try to make a career transition to instructional design. The big elephant in the room is that my husband, K, makes a lot more money than me. When we first met, he was paying off massive amounts of student loans and making much less, and I was debt free with a lot of savings, so we both spent about the same amount. Now he makes 3x what I make and we are both debt-free, so the difference is much more noticeable. We do argue about money sometimes (more in the past), but the reality is that I have a humanities PhD and will likely never out earn him, and he knew that when I married him, lol. Because of all the labor I do around the house and in our lives to support him as he works a much more intense job, I was very clear that I believed we should split our finances equally as soon as we got married. We don't have separate accounts and we generally check in with one another whenever we are planning to spend more than $100. This system works for us for now. I also want to address the question about parental or family support. Although I technically paid all of my own bills since I got my Bachelor's degree, my parents supported me a lot by paying for my flights home to visit at Christmas or in the summer as Xmas presents/birthday presents. My parents also paid for my undergraduate degree (and K's parents paid for his undergraduate degree as well). They also gave us about $15k to pay for our wedding. Finally, my parents recently gave me $20k as an "early inheritance." They told me they plan to do this every year (depending on the stock market). We put this money into a brokerage. I don't consider my parents rich, as they both worked hourly jobs in health care my entire life (as a nurse and respiratory therapist - both with only associate's degrees). We never owned a new car, when we went on vacation we stayed in hostels , and shopped almost exclusively at Goodwill. But they scrimped and saved and now they have over $1 million in a retirement account. So I want to acknowledge my financial privilege in that I came from this kind of background. K's parents are similar. Retirement Balance: $186k (combination of 401k, 403b, 457, 2 Roth IRAs, and taxable brokerage account). Equity: None, we rent. Savings account balance: Approximately $45k. Checking account balance: Right now, around 8k. Credit card debt: Right now, around $3k. But we pay it off each month with our checking account balance. Student loan debt: $0. We finally paid off my husband’s law school loans (around $130k), last year. I didn’t have any student loans from undergrad (parents paid) and my MA & PhD were fully funded. Section Two: Income Income Progression: I’ve been working in my current field for 3 years. I started off making about $53k and got tiny 2% “merit increases” twice. Then in July my payroll title was changed, which triggered a required raise of about $2k. (I am dramatically underpaid). Before my current position, I was in academia. I worked as a visiting assistant professor for one year at my alma mater (made $50k for 9 months of work) and before that I was a graduate student for 7 years. I was paid $18k-21k in stipends each year and my tuition & benefits were covered. Luckily, I lived in a very low cost of living area and this was enough for me to live on without going into debt. I got my PhD in 2017. Before I was a graduate student, I taught English in Japan for three years and made around $36k per year. In high school and college, I had random jobs that provided grocery/spending money, but I was lucky enough to have parents that paid my tuition and my rent in college. I’m currently trying to make a career change (as you will see in my diary) and enrolled in a certificate program which runs from Autumn 2020 to Spring 2021 in order to help with that. Main Job Monthly Take Home: $7,634. This probably seems low relative to our joint income, but we max out our 401k (K) and 403b (me). I work for the state government, which means I’m also eligible for something called a Deferred Compensation Plan (457b). This is basically the same as a 401k but you can withdraw contributions and gains from the account at any age without penalty (of course, you still have to pay taxes). I also max this out, and the limit is the same as a 401k/403b - $19.5k. Also this number is before K’s raise is accounted for. It won’t increase until his end of February paycheck. Other deductions - I have health insurance taken out (about $80 a month for me, K’s firm covers his premiums) and taxes. WA has no state taxes, so it’s only federal taxes. I used to have to pay $50 / month for a bus pass (K's was free), but I don’t pay any longer because I’m working from home during COVID. Final note - the sum I mentioned in the headline includes a variable bonus my husband gets. My base pay is $56k and his is $155k (as of February 1). This year he also got a bonus of $20k, which is set up a bit strangely. About $4k of this was structured as a 3% matching contribution to his 401k and the rest was taxable income. In small law firms, it’s unusual to get any 401k match so this was nice. Side Gig Monthly Take Home: None. Any Other Monthly Income Here: We get some interest from our savings account… like $25 a month. Section Three: Expenses Rent: Rent comes to approximately $2,050 total for a one-bedroom apartment. Rent itself is $1886, then we have pet rent ($25 per month), bicycle parking ($15 a month) and water / sewage / gas, which is usually $120-150 (variable cost). Renters insurance: $157.76, paid annually. $13 a month. Retirement contribution: In addition to the 401k, 403b, and 457, which all come out before taxes, we max out our Roth IRAs. That means $500 each per month per person (for a yearly total of $6k each). As I noted up top, we match out our 401k and 403b (19,500 each) and our 457. My employee also offers a 7.5% match. K's employee offers a 3% match but it is included in his yearly bonus so it's not guaranteed (confusing). Savings contribution: We put $500 per month into our emergency fund. We also put about $860 a month into our “sinking fund,” which covers large and small annual or sporadic purchases such as vacations, gifts, Amazon Prime renewal, car insurance and renters insurance, etc. Investment contribution: $875 per month into a taxable brokerage at Vanguard. In total, we save about 47% of our gross income. We can do this because we keep our housing cost low relative to our high income, we don’t have any debt remaining, we don’t have any kids or parents who need financial support, and we’re very privileged in a lot of ways. We are hoping to FIRE within 10 years. Debt payments: None. Donations: We budget $100 per month for donations, which includes one-time donations as well as some reoccurring donations. My husband does pro bono work as well. I would like to increase this by quite a bit, but I still have a hard time budgeting for donations because I spent 7 years living on approximately $20k a year. To go from that to making more than 10x that amount within 3-4 years is obviously something that I am very privileged for, but it is still hard for me emotionally to comprehend at times. Electric: ~$50-100 (billed every other month) Wifi/Cable/Landline: An extortionate $87.12 for slow internet that only works for Zoom calls about half the time. Do I really live in one of the tech cities of the future? Cellphone: $170 (This includes both service and paying off two new iPhones. We could have paid them off up front, but it was actually cheaper by like $50 to go on a payment plan.) Subscriptions: BritBox ($7.70), Spotify ($16.50), HBOMax ($16.50), We Hate Movies Patreon (my favorite podcast - $8.81). My parents pay for Netflix and my sister pays for Hulu, and we all share. Gym membership: None. K and I both run and do yoga with YouTube videos. Before the pandemic, we went to yoga classes pretty frequently in person. I’d like to do some online synchronous yoga classes but find it hard to make time. Pet expenses: Varies, but I budget $50 per month and also include an emergency fund for my cat’s vet bills in our sinking fund. She’s 11 years old and probably asthmatic, so I know her vet bills are going to increase over time. Car payment / insurance: We own our car outright. Insurance billed yearly is $2,097, about $174 per month. Regular therapy: $0 Paid hobbies: Nothing regular, sporadic language classes and art supplies. Other expenses: Right now I’m doing a certificate to hopefully help with a career change. The total cost for tuition is about $5k and we already saved it up (included in our 'sinking fund') basically through spending less during the pandemic. I’ve paid two quarters so far, and the last quarter (due in March) will be a bit more - about $2.3k. __________ Day 1 Morning: I wake up at 5:30 am. Ever since the pandemic, my sleep schedule has been shot. At first, I was so happy not to have to leave the house at 7:15 for my 45 minute bus commute and I slept in a lot. But the stress (and maybe getting old?) has made me an early riser, no matter how much I try to sleep in. I do value my early mornings with just me, my cat, and my coffee, though. I start work at 8 am and begin by triaging my emails. I have a bunch of deadlines this week, so it’s busier than usual. My job tends to be very seasonal, and sometimes I have a ton of work and sometimes I have none and can work on other longer-term projects. I have a piece of toast for breakfast and place a Whole Foods delivery order for the following day at 10:30 am. We made a meal plan and put everything in the cart the day before ($117.36, including tip). Afternoon: I have my lunch break from noon to 1 pm. It doesn’t really matter when I take my lunch break, since I’m salaried, but the others in my office are hourly so in the before times we used to always close our office during the same time. I have a piece of leftover delivery pizza and some spinach risotto that I made a few days earlier. I also have half a brownie – the last one from a batch I made a few days ago (K gets the other half). He also has leftovers for lunch. I should say at this point that both K and I are lucky enough to have been working almost entirely from home since early March. An area near Seattle was one of the first places to get hit by COVID-19, and my state and both of our employers have been taking it very seriously ever since. Working from home hasn’t always been easy since we live in a 600-square foot apartment. Also, there is a three-story townhouse being built directly next door to us and I can hear the pounding in my dreams at this point. Around 2 pm, I go for a 2-mile run. I feel like some money diarists tend to toss off things like “oh, I went for an easy 7 mile run,” at the drop of a hat, so I want to be clear – running for 2 miles isn’t easy for me; it’s exhausting, annoying, sweaty, and generally gross. Also I am very slow. But it has kept me sane during quarantine. Meanwhile, my husband goes to our local pet store to get an enzymatic cleaner (our cat peed in one of our suitcases… I think it’s probably a lost cause, but it was basically brand new, so worth a try) and special weight-loss cat food. Our cat is an 11-year-old rescue from the Humane Society and she is a chonky girl. We had to sign a waiver when we adopted her, saying that we understood that she was very overweight, lol. Our vet recommended a special diet food, rather than just restricting her intake as we have been doing, so we will give it a try ($78). My husband also stops buy our local wine store and picks up two bottles. We’ve been doing a dry January, so this will be our first drink for a while ($27.53). I have a phone interview scheduled for 4 pm – just a preliminary interview with an internal recruiter. It’s the first ‘corporate’ job interview I’ve ever had, since I’ve been in academia my entire life. I’m trying to make a pivot into instructional design / training and development. I’m just excited to get an interview. It seems to go pretty well, but who knows. They tell me they will probably get back to me by the end of this week. Evening: My husband whips up a random meal of fridge remnants – pesto pasta with sausage and a fridge salad with feta and bell peppers. It’s pretty tasty with a little Sauvignon Blanc. During dinner, we play a card game we call gin rummy, although it bears no resemblance to the actual game. After dinner, I make a chocolate cake with orange buttercream frosting and we watch Cobra Kai. Daily total: $222.89 Day 2 Morning: Up early again, a piece of toast for breakfast (very exciting). We’re out of eggs until our Whole Foods order arrives. I’m working on creating some tedious but necessary spreadsheets this morning. Noon: Our Whole Foods order arrives around noon. Excitement! They’ve given us a half-rotten bag of romaine lettuce and substituted pecans for hazelnuts. I should probably just double mask and go to Trader Joe’s myself (our regular spot, only a 5-minute walk from my apartment). I’m just getting anxious about these new variants. I have leftover meatloaf and spinach risotto again for lunch. Lots of meetings and more organizing spreadsheets in the afternoon. Around 3 pm, I go for my daily ritual - a 20-minute walk around my neighborhood. It’s still raining slightly but I need to get out. Halfway through the walk, I get an email from my apartment manager telling me the apartment will no longer accept debit card payments, direct deposit, or credit card payments for paying rent. In other words, only checks or money orders (?!). Ugh. Our lease is up in 4 months and we will not be renewing our lease. Our last apartment manager was a gambling addict who may have been stealing people’s identities, but by God, he kept things working. Ever since they fired him, this place has been going downhill. Evening: I check my bank statements to update my budget spreadsheet and realize that I have been billed the wrong amount of rent. They actually charged me less than they should have. I don’t trust my apartment manager not to start charging me a late fee or something for this, so I call them up. They are baffled by how to fix this, which you would think would be the one thing you would want to get right, if you’re renting out apartments. K cooks dinner – steak with a Roquefort sauce and glazed brussels sprouts. It’s from a French cookbook we recently bought and it is delicious. I work on classwork for my certificate program while he cooks. After dinner, I do the dishes and buy the 13th season of RuPaul’s Drag Race. I watch the first episode – lots of shocking twists and turns! I’m planning to watch the rest of the episodes together with my younger sister, M ($22.01). Daily total: $22.01 Day 3 Morning: K has an 8 am dentist appointment, so he takes off early. He already paid for the work last month, so there’s no charge. I have a piece of toast for breakfast and get to work checking my emails. It’s 8:20 am and the construction crew building a townhouse next door is blasting mariachi music. I’m glad someone is having fun. At least the sun is coming out. Someone at work has made a critical error, but it wasn’t me, thank God. I was the one who found out about it, but it’s still going to cause a big old headache for me. I’m ready to be done with this job. K and I go for a run so that I can exhaust myself enough to no longer be furious about said careless error. Noon: I have leftover spinach risotto and meatloaf again – exciting. I’m busy at work but frankly, not a lot going on other than that. Still no word about fixing my rent payments. I’m not really willing to pursue this any further at this point. Evening: I start making chili (Turkey Chili from the NY Times) and cornbread (from my new cookbook, Jubilee). K is doing some work on our investments when he announces that, somehow, a transfer was scheduled from our checking account to our savings account of $55k (?!) We obviously don’t have $55k in our checking account, so we start frantically trying to figure out what’s going on. Numerous phone calls later, we still don’t know if that was a hack, if my husband somehow mistakenly scheduled the transfer himself, or if the bank messed it up. Either way, it doesn’t seem like any harm was done since the bank with our checking account just declined the transaction. But it seems really strange and worrisome. We get to work changing the passwords on all of our accounts, just in case it was some kind of hack. After dinner (and chocolate cake), I have a Zoom happy hour with a local friend. We occasionally see each other outside but it’s nice to have a longer chat from the comfort of our living rooms. We both love murder mysteries, so we signed up for a service where a company sends us letters with clues and we try to solve the mystery together. It’s a fun way to stay connected and look forward to something during the pandemic. The service costs about $15 per month, but I paid for it in lump sum for 3 months, so it’s not included in my budget above. I drink some wine and we vent about work (we work at the same place) before getting started on the puzzle. Daily total: $0 Day 4 Morning: I sleep in a bit, which is nice. Get up around 7 am. My parents are both getting their 2nd vaccine today – they’re both in their 70s and I am so relieved. I send my mom a “congratulations on being vaccinated!” text and we chat for a bit. I have leftover cornbread with honey and butter for breakfast – soooo good. Work is not particularly exciting today, but someone sends me a last-minute request for something that does not need to be so urgent. I feel annoyed. Still no word from the interviewers on Monday, and I’m beginning to suspect I wasn’t selected to move forward. Too bad. K pays for a Wordpress website for the year (it’s a work-related website, but sadly his work doesn’t reimburse him). It costs $92.48. Noon: The mariachi music is particularly loud today. I stand out on my balcony in the sun for a while and watch the workers. It’s been interesting seeing a house go up next door in real time, especially since I’m at home all the time. The workers are balancing on the top of the third story wall without, as far as I can see, anything like a safety line. It seems unsafe, but I presume they know what they’re doing. We booked a cabin for the upcoming weekend in the Hood Canal region of Washington to do some hiking and birdwatching. I want to be as safe as possible and not go to any grocery stores or risk spreading COVID in any way while I’m there, so I place another grocery order with Whole Foods just for some special treats for the weekend. The cabin has a small kitchen and a grill, so we’re planning to make a fancy steak salad on Saturday. I order chips and hummus, some fancy cheese and meats, Tate’s cookies (I’ve heard a lot of good things about these), a baguette, and the ingredients for the steak salad. I also order a few staples I forgot in our last order, like sweet potatoes, more coffee, and half and half. It comes to $87.41, including tip, but that does include like $30 worth of steak. For some reason, I can’t order a small amount of steak online, so I’m planning to freeze half of it for later. (I include this purchase in our vacation fund budget, rather than under our regular grocery budget). Around 2 pm, K makes a quick trip to our local wine store to buy an Oregon pinot noir and some port to enjoy at the cabin ($59.45). This store has an outdoor walk-up counter where you can tell the owner what you’re looking for, and he brings you some options (the store is way too small to allow customers to enter during Covid). It’s fun to chat with another human being, even briefly. Evening: After work, we spend a little time rebalancing our investing and retirement accounts. We decide to put more money into bonds and a little bit into REIT’s as a hedge against a potential crash or recession in the future. Then I start making dinner – Broken Eggs (Huevas Rotas) from the NY Times cooking site. You basically cook the potatoes in a skillet in water, spices, and olive oil, and then sauté them to crisp them up once the water evaporates. Then you add onion, lots of garlic, and finally some eggs. It is delicious. I eat it with leftover cornbread while watching RuPaul’s Drag Race season 13 with my sister – we watch the first two episodes. It’s full of twists and turns. A note about this – we have an elaborate procedure for watching shows together developed during quarantine whereby we start the show at the same with an earbud in one ear, while FaceTiming. I also have chocolate cake, of course. Later, I get an email that I’ve signed up for HBO on Amazon Prime. I definitely have not. I text my mom, who shares my account, and she tells me she signed up by mistake. I cancel right away and luckily they won’t charge us for it. Meanwhile, K is doing an online Japanese language class over Zoom. He’s been interested in learning ever since we went to Japan last January. I lived in Japan for 3 years so I was able to take us around to a lot of more obscure places and he really enjoyed the trip – it was a blast. K starts a YouTube yoga class (from Do Yoga With Me – my favorite channel) and I join him for part of it before bed around 10 pm. Daily total: $239.34 Day 5 Morning: I get up around 7 am and we go for a run first thing. I prefer running early in the morning because there are fewer people to avoid during COVID. We do a different route today – it’s longer (3 miles) but has fewer hills. It’s a slog, as always, but I feel good when I get back right around 8 am. I jump straight onto my computer to start checking work emails and my husband makes us avocado and egg toast for breakfast - it is absolutely delicious. We talk about how our bathroom smells distinctly mildewy (yay for being a grown-up because I guess this is what we talk about now) and we buy two big buckets of DampRid on Amazon ($26.60). I’ve found this to be a necessity in Seattle. Mid-morning, I take a break from work and start packing for our trip to the cabin. Noon: I have leftover potatoes and cornbread for lunch, and my husband has the leftover chili. We finish getting ready to leave and head out right after lunch, taking a half day. The only problem is that I have attend a meeting at 3:30 pm, so we head out hoping to get there in time. Our cabin is near Quilcene in the Hood Canal region of Washington, about a 2 hour drive or a 2 hour ferry ride + drive. We are initially planning to take the ferry both ways, but realize that we mistimed the ferry departure, so we drive the whole way instead. Luckily, there’s little traffic mid-day, and we arrive at our Airbnb around 3:00 pm. The Airbnb is beautiful! It’s a small cabin handmade by the owner, whose house is next door. It’s very rural, with a beautiful view. It’s tiny, but has a little kitchen and a waterfall-style shower with river rocks on the floor. It’s a great place to get away for a short time. Luckily, it also has good reception and I’m able to sit in on my meeting with no problems. My husband also does a little work, and then at 5 pm we’re free! In our planning, we decided to get takeout on Friday night, since the little kitchen isn’t designed for any serious cooking. We call ahead to a local restaurant to order burgers (one of only 2 restaurants in the whole town). It’s around 5:30 pm and the place is deserted. It’s a microbrewery, but they tell us they haven’t been making beer since COVID-19 hit. None of the workers are wearing masks when I walk in, but they put them on when they see I’m wearing one. I pick up our order - a few bottled beers and burgers and fries ($49.52 including tip). Back at our Airbnb, we watch Big Trouble in Little China and enjoy our very messy, but delicious, burgers (it costs $4.39 to rent). The movie is very campy but fun. I love silly action movies, as you will see with my other viewing choices. We wrap up the night in a very exciting fashion, eating chocolate cake and watching old episodes of the original Star Trek. Daily total: $80.51 Day 6 Morning & noon: When we wake up around 8 am, the weather is looking thankfully clear and even sunny! We were expecting rain, so we’re really glad. We decide to go hiking today, and we head out before even having breakfast, with snacks and lunches packed. Our first destination is a hike called Mt. Zion, but unfortunately, we run into enough snow 2 miles before the trailhead that we decide to turn back. We don’t have any traction for our Subaru and don’t want to risk getting stuck on a very narrow mountain road. Instead, we drive another hour or so to the Lena Lake trailhead, a very popular and less strenuous trail. It’s about 7.5 miles roundtrip with 1200 feet of elevation gain. By this time, it’s around 11:30, but luckily there is still parking. It’s a great hike up, and we run into relatively few people. We always mask up whenever we pass anyone, as does about 50% of the people we meet. The others… not so much. Around a mile from the lake, we start to run into snow. It’s turned into a beautiful sunny day, and I’m loving seeing all this snow! It’s a bit slippery, but not too bad. We make it to the lake mid-day, and it’s super jammed – there’s only a small viewpoint accessible, so everyone is crowded in there. I feel a bit uneasy with all the unmasked people, but we manage to find a spot away from the crowd and sit down to eat our lunch of apples, chips, and energy bars. There are a ton of robber jays there (Canada Jays) which try to eat our chips. It is fun watching them, but I’m annoyed to see some kids feeding them – it’ll just make them that much more aggressive. Bad trail manners. On our way back down, we get stuck behind a group of 5 unmasked adults, who refuse to cede the narrow trail to faster hikers. I’m a slow hiker myself, so, to be clear, I’m not angry at slower walkers being on the trail but have some self-awareness and let people pass! especially if you’re going to go hiking in a big group during a pandemic! We finally get back down and head back to our Airbnb. Evening: Back home, we explore some of the trails our Airbnb host has set up around his extensive property, and then relax on the deck. The sun is breaking through the clouds and it feels wonderful to sit out in nature and feel the sun on my back. We open up a bottle of wine and have a few pre-dinner snacks (more chips and hummus). For this night, we brought ingredients to make a steak salad. Our Airbnb host has kindly set up a charcoal grill for us, so we grilled the steak and toast some bread on the side. We eat dinner while watching the truly terrible Jean Claude Van Damme movie Bloodsport and finish up the very last of my chocolate cake. It’s amazing that anyone ever let Van Damme act… or should I say ‘act.’ I also have a Tate’s chocolate chip cookie or two, accompanied by a little port. My husband and I are truly very old people at heart, so we finish up the night watching a few episodes of Columbo. Daily total: $0 Day 7 Morning: Unfortunately, K had insomnia last night, so he sleeps in pretty late. I drink coffee in bed and enjoy looking at the view out our big windows. Once he’s up, we get packed up and write a thank you note for our host. It was a great stay. One of my big hobbies is birding and K enjoys wildlife photography, so we go out to look for some lifers! (The first time you see a new species of bird). Did I mention we are very old people in (relatively) young bodies? We first go to Dosewallips State Park and see some bald eagles, great blue herons, lots of various ducks, and a flock of Canada Geese, which, strangely, includes a domesticated gray goose. He’s much larger than the Canada Geese and seems to be watching over them. It’s kind of cute. Unfortunately, a lot of the birds are too far from shore to be seen clearly. Our next stop is Point No Point (I love all the sad & disappointed names that early Westerner explorers gave places in the Washington/Oregon coast), a popular birding spot. We see a ton of birds here, and I can understand why it’s so well-known - Red-Breasted Mergansers, Western Grebes, Common Goldeneyes, Pacific Loons, and a few others I can’t identify yet. Most excitingly though, we see a whole pile of otters! They’re lounging around together on a rock just offshore and a ton of people are watching. We watch as they all slip off the rock and go hunting in the shore. It’s my first otter sighting in the wild, and it’s so cool! We also see some seals and possibly a sea lion. It’s a great spot for wildlife. We eat some snacks (hummus, chips, some sliced meat & cheese) before we head out. I really want to come back to this area another time and explore further, but K has decided that we need to get back home in time for the Big Game. We take the 3:00 pm ferry back to Seattle ($16.40) and get home around 3:45 pm. I veg out at home while my husband watches football. He’s a Patriots fan but he still loves Tom Brady (??) so he’s happy to see Florida win. I don’t understand sports team loyalties at all, but whatever, I’m glad he’s happy. We order from a new Indian place called Spice Box and get vindaloo, roganjosh, and vegetables pakora – so tasty ($53.96). Happily, there’s enough left over for lunch the next day, since I have no plans for what we will eat yet! I’m really dreading work the next day, as I know that it will be obnoxious. I want to get out of my job so badly, but it doesn’t look like I’m going on to the next interview stage for the job I interviewed no back on Monday. I’m feeling kind of down about it. I try to stay positive and promise that I’ll apply for at least 2-3 new jobs next week. I bake up some frozen cookie dough I had in the freezer and feel sorry for myself. We end the night by watching another episode of Columbo. Daily total: 70.36 Food + Drink: $395.23 Fun / Entertainment: $26.40 Home + Health: $26.60 Clothes + Beauty: $0 Transport: $16.40 Other: $170.48 Grand Total: $635.11 I think this week was pretty normal for us. Obviously we spent a bit more than usual due to the weekend cabin trip, but nothing outrageous. Our largest consumer spending category is definitely food and drink – we live in a very busy area of Seattle with tons of restaurants and bars so believe it or not, we actually used to spend even more on eating out. We still try to support our local places by getting takeout or delivery during the pandemic and even occasionally getting a few drinks outside. I spent more than usual on groceries due to stocking up for the weekend away.
fun games to play online with friends on computer video
Video games aren’t just entertaining and a fun way to connect with friends. Playing online multiplayer games with friends is good for the brain too. Studies have revealed how video games improve our hand-eye coordination, quickens our reaction time, sharpen our mental capacity and “improved performance in perception, attention, and Invite your friends and play similar versions of games such as Werewolf, Draw Together, UNO, Scrabble, Battleship, Poker, and even Pool! Get it on the App Store or Google Play . 9. Quiplash is a great online option that gets everyone in a group involved, and can easily be played on a PC, Mac or Linux computer. Everyone tries to write the funniest answer to a question, each... Show us one object within arms reach of your computer. The major guideline for Truth or Dare is to keep the questions and prompts friendly. Here is a list with more question games. 24. Jackbox Games. A year or two ago I played Jackbox Games with Tasia, Ethan and some other close friends. The game prompted me to lie about “how many beers did you have last night?”, and that was game over for You can play so many fun card games with your deck of cards. The card game is enjoyed by everyone and the perfect way to pass time. This doesn't really have any fixed rules and can be played between all the members of the family to a minimum 2 members. There are Overcooked is the best fun game to play with those friends who like cooking. This game is more fun for people who love cooking. In this game, you’re going to get the many cooking challenges. As the name suggests, if you missed a single step of the cooking, it will burn up your whole kitchen….pewww that’s tough. RELATED: 10 Best Apps & Games To Play With Friends On Your Phone 1. Joking Hazard. If you and your friends whip out a deck of Cards Against Humanity at every house party, you’ll love this online Basically, Rocket League is a vehicular multiplayer soccer game that can be played with friends. Vehicles are rocket-powered and each team can have up to 4 players. You can play as a solo or in multiplayer. Play this game as locally and online which is kinda cool know. Free online games to play with friends With the coronavirus situation in full swing, Singaporeans are encouraged to play their part by socially distancing themselves and avoiding going outdoors. Physical meetups with friends where everyone gathers and screams over party games will be missed for now, but there are still many online alternatives out there. 10 free online games to play with your friends Feel Good. Study International Staff 01 May 2020 Here are some fun websites for procrastinating. These video games may help students develop graduate skills. Popular stories 10 online multiplayer games to play with friends — for free 10 free online games to play with your friends When will Australia open borders for international students? A
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10 Best Games To Play With Friends - 10 Great Online ...
We've been craving games we can play together, apart - so here is Jared's list of his top 10 favorite cooperative online games to play that aren't Animal Cro... Want to play more games with friends, but don’t want to spend money? Well, we have ten games you can enjoy together without spending a cent. Here's the list:... Hey friends! This is my top list of ten (really many more) for best fast free browser aka .io games you should play with family & friends! Join my discord t... From sprawling MMOs to cartoon beat ‘em ups, here are the best free games you can play with friends in 2018. When you want to push the boundaries of play, Pl... These are merely suggestions of games that you might enjoy playing with your group of mates. Each of these games have their own pros and cons, and I am not s... Yep, it's sad but true: we don't meet with our friends and relatives as often as we used to several years ago. But technologies that have replaced this real-... What are some great free or affordable online multiplayer co-op games to play with friends? These are the best ones to play on Xbox, Steam, and PS4.Support u... Bored? Want to hang out with your friends? In this video, I give you guys ideas of online games to play with friends that are (for the most part) free!GAMES ...
