Hello everyone,
Can’t believe I’m typing this on an open forum and that I’m in this situation in the first place.
1)All school loans and living expenses for college were taken out to my name - parents had went through a bankruptcy the year prior so had very little help. 2) post school job fell through and I joined a duel masters program 7 days post graduation and got a double masters. Took out loans to cover both educational and personal living expenses in a city…Let’s just say all the deferment, crazy rent, along with non frugal/intelligent living decisions I built up quite the amount of both school (175k) and personal (~45k) debt for when I graduated. Not only that but took a couple of months post deferment to get my school line consolidated and those $1800+ payments lead to the rest of my expenses hitting credit cards.
10 years later - I make a solid living (changed jobs to a higher paying one end of last year) ~ 100k base with quarterly commissions (could hit another 100 once ramped) but compound interest, living expenses, and multiple emergency medical procedures for the fam later, and in at 200k personal and still 175 school
I had entered into a debt settlement program back in November (Americor 180k of personal- and to be honest they have been great) Have 6 of my 9 debts already in settlement plans, although 2 of my 3 largest ones not worked on yet. My mortgage is 2700, my Americor payment 3300 not to mention I have a 1 year old and all Medicaid bills and I’m just at a complete lost. I haven’t missed any payments yet, but my runway for cash is going to be up in the next couple of weeks. The last couple cc cards my wife and I had have been maxed out, and since I won’t get my commissions until end of July, then end of Oct - I don’t think I can continue to make ends meet - I have cashed out my 401k, and all saving/investment portfolios I had. Part of me truly believes just another 10-15k in cash could get me through rest of year when my commission checks are finally fully ramped
Wondering if there are any other ways to get through the next couple of months without filing, my gut is telling me it could be inevitable, but I also don’t want to pull a trigger on it to fast, especially since I haven’t missed any payments for anything yet. When should one reach out to an attorney?
Not sure what I’m looking for here but thank you for reading. I see a few in this community that have great experience, would love to get your take on timing.
Also western Massachusetts is my area

What Is Fashion Report?

It's a weekly event held at the Gold Saucer where you can earn in excess of 60,000 MGP (10,000 for taking part, 50,000 for scoring 80 or more... you can get more using FC or personal MGP buffs) a week just by equipping some glamours. After weekly reset; we get hints as to a set of glamours we need to wear which is then up for scoring on Friday. It's the same for everyone so even if you don't want to join in with the guessing game below; you can wait for the results and present your outfit and get some easy MGP. Current and previous results can also be found on this query thread or alternatively follow Kaiyoko for the Friday results thread.
Best guess is worked out by historical results (repeat results) or in the case of new clues, community effort
Kaiyoko will usually have the results post up upon Friday reset

Hints For This Week

Theme

[EN] Beekeeper Fatigue [JP] [DE] Beekeeper Workwear (Imker-Arbeitskleidung) [FR] Monopolized Beekeeper (Apiculteur accaparé) [CN] [KO] 

Head

[EN] Bush Stylish [JP] [DE] Puffy Hat (Bauschiger Hut) [FR] Floppy Hat (Chapeau mou) [CN] [KO] 

Body

[EN] Smallfolk [JP] [DE] Civil (Bürgerlich) [FR] Urban (Citadin) [CN] [KO] 

Hands

[EN] Smitten with Mittens [JP] [DE] Mittens (Fäustlinge) [FR] Mittens (Moufles) [CN] [KO] 

Legs

[EN] Short Shorts [JP] [DE] Short Pants (Kurze Hose) [FR] Ultra-short (Ultra-court) [CN] [KO] 

** Google Translate

Sources

[EN] https://imgur.com/a/gfKPH2R
[JP]
[DE] https://imgur.com/a/2THSD0r
[FR] https://imgur.com/a/v47zAJH
[CN]
[KO]

Template

Please if you have the other languages and can translate; include native language and translation e.g."With Pockets (Mit Taschen)"Template For Answer... English Language (Local Language)

[Theme] _ () [Body] _ () [Hands] _ () [Feet] _ () [Neck] _ () [IMG] _ [URL TO IMAGE] ([link to /r profile] username) 

Best guess is worked out by historical results (repeat results) or in the case of new clues, community effort
Kaiyoko will usually have the results post up upon Friday reset
Yakumo Fuji

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How do you teleport other than using advanced teleport? My clan mate said to join him for resources because we were attacking someone who had quit the game. I teleported to him and we attacked and after we finished I cant figure out how to get back since I used all my teleports up

My ex (21m) and I (21f) share the same friend group, we met them in college and are all in the same class. We broke up 2 weeks ago and I was very Hurt by my ex at the end of the relationship : he made me wait for 2/3 week-end saying he wasnt sure of our relationship and didnt want to contact me during one week before the breakup. Then he put the blame on me saying I wasnt ready to make efforts (when in reality he was the one not making efforts : cold, distant, didnt message me or made plans to see me). I dont really understand what happened but he said that when I reacted to something he did I was trying to make him change and he didnt want this, when I was just expressing my feelings in reaction to his behaviour. I decided to end it as he didnt show any interest in me and treated me badly.
So I am now angry at him and don't want to see him. He also broke no contact asking to be friends 1 week after we broke up, and I refused.
The problem is we share the same group friend. I explained them privately and separatly that we broke up and I didnt want any of us to be excluded from the group. But I realize now that everytime my ex talks in the group chat Im angry and I dont want to see him even with our friends. He always says how he got plans and he's busy, to show off. So I feel I Will miss stuff as I dont want to see him but i know I would not enjoy with my friends if He joins.
Anyone has been in this situation? How did you handle it? I find it very difficult
TL, DR : Ex (21m) and I (21f) share the same friend group and it's complicated bc Im too Hurt by him to see him. But im scared I Will miss stuff with my friends and they Will take it personaly

Hello, my name is Alex, and I'm looking for a group to play with in the Buffalo, NY area. I moved here last year but have yet to find anyone to play with. I have only ever been a DM, and I would like to try my hand in being a player. I can be flexible with the scheduling if need be. Feel free to DM me here or on discord (foxycoxy#6367) if anyone has any open spots!

Let me start off by saying that I completely understand and support the existence of D2's monetezation and Eververse; the community wants to support the game's growth and the hard workers behind it that pour heart and hours into it.
But for the money that goes in, in some parts of the main game (not seasons, they are and continue to be good) it's not feeling like we're getting a consistent rollout of promised updated content.
For example:
1) Former Game director Luke Smith said we'd be getting both a NEW Playlist armor set and a NEW Trials armor set every year, but this is the first year we've gotten neither during the expansion drop or the season after. Has these plans CHANGED or is it just delayed? If delayed, when can we expect to see it going forward each year.
2) Current Game Director Joe Blackburn said long ago that Gambit had some big changes in the oven being tested alongside Crucible getting a more consistent rollout of new maps and modes hopefully at Lightfall and every expansion beyond; and yet NOTHING was said about Gambit in Blackburn's previous State of the Game and while Crucible has been doing great with sandbox and matchmaking innovations, it is still yet to meet that bar that Blackburn set out to establish.
3) Regarding the Strikes playlist, ik that Bungie has been keeping Battleground missions to keep it vitalized, but they've also been rolling out new Strikes. In WQ, they rolled out 2 new strikes at launch. In BL, we got Glassway at launch, Proving Grounds in S13, and 3 reprised D1 Strikes. But here w/ LF, we only got the one new strike on Neomuna. Ig for here, I just wanna know if this is what should be expected going forward.
Ik that rising costs is something that no company can avoid forever, as we've seen with Lightfall being the most expensive expansion to buy be it standardor deluxe. But it doesn't feel good to be paying more into something you love but not getting the same amount of content quantity wise year to year.
Ultimately it would be good will if the devs could provide any insight, or at least another update, that resets expectations of what the community can expect to be delivered to the core game year after year. Whether that's all in one expansion drop or over the course of the year, we just need some more transparency from Bungie; and to be respectful about it to them. It doesn't matter if it's something exciting or the ugly truth, we need to hear more from Bungie and be civil about it. Speaking for myself as a dedicated player, some more transparency goes a LONG WAY and it's part of why I've stuck with Bungie for so long.

12 team redraft 15 player roster size, 5 bench, 1IR 1QB 2RB 2WR 1TE 2FLEX K D
Last year was our first year doing fantasy. Everything went great. No complaints just maybe some changes with our divisions and how playoff seedings work. Waiver wire was tough but seems perfect to me. We did an in person draft (all local friends and family) and everyone loved it. Every player is back for another season.
I say all that to say this. I have 2 other close friends who were on the fence last year and now want to join. 1 is a wife of a current player. Ideally everything went so smooth I’d hate to change to 14 teams and mess up our waiver wires. I don’t want it to be so hard that it’s difficult to improve your team and people lose interest.
How can I change the league to 14 without depleting the waiver wire? Adding two teams is 30 more players gone with the current roster.
The only thing I can think of is getting rid of 1 FLEX spot. If we get rid of 1 FLEX, team size falls to 14 which lets 12 players available in waivers. Adding two teams is 28 players so a net loss of 16. Still feels like waivers will be depleted to me. Thoughts? Thanks!

So I've played rdr2 on pc before and I never had a problem with it but for the last 3-4 months it just hasn't loaded, it'll start loading on steam and Rockstar launcher and then all of a sudden will just close down, by this I don't mean I actually get in the game no main menu nothing, sometimes I'll get a small black screen but that's just about it, I've searched for months and months for a fix and nothing has worked if anyone could help me I'd really appreciate it. if it helps sometimes when I try to load it from files it'll say "This account does not own red dead online" Even though I have Red dead 2 i'ev bought it on steam years ago. (This only sometimes happens though and will only happen if I try to load it from files.)

We are offering a lot of accounts types ( streaming - sport - gaming - trading ... ) with a lifetime warranty, which means you do not have to worry about remembering to renew your account or losing access
we have been doing this business for more than two years now and are still replacing our clients.
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https://preview.redd.it/v66otzxo303b1.jpg?width=2000&format=pjpg&auto=webp&s=7a50a32b9fcce0746a64a87a3ce35bd37bd0e8e6

I just got my Total PSA results and was surprised to find an extremely high reading, at 4.39. My PSA has slowly creeped up to the 1.8ish levels.
Health condition-wise, I'm on TRT due to some complications arising from untreated undescended testicles at a young age. I had one testicle amputated around 3 years old and the other one got me through puberty but we/I didnt know that I was suffering from low testosterone until my doctor requested labs. Been on TRT since I was about 19 years old.
My endocrinologist was alarmed on 2022-02-18 when my PSA spiked to 1.92 so she referred me to a urologist. Urologist took a look at my blood work and my health history. He recommended doing a digital exam. The exam itself was over in like 2-3 seconds and he said I was fine and sent me on my way.
My endocrinologist got the results from the urologist and said she'd like to continue to monitor it regardless for future reference.
So I just got the 4.39 result and I'm a bit alarmed. I understand that ejaculation can have an impact on the results (I had sex/ejaculated the day before). Sex was had at 1pm and blood was drawn next day at 9am. I dont have a bike or motorcycle. I dont recall doing any exercises that would have put pressure on my prostate.
What I did do was play a video game (new Zelda game) from about 5pm-2am the night before the blood work. So I sat on a couch for almost 9 hours. Could that be the culprit? I'm normally VERY active. I exercise 4x per week, go on walks, have a permanent standing desk, follow a meal plan by a nutritionist, etc.
I havent heard back from my doctor yet because we're still waiting on testosterone results but should I request another test? An MRI? A biopsy?
Current age: 33 years old
PSA Total Results

DATE (yyyy-mm-dd)	RESULT (ng/mL)
2023-05-27 (33 years old)	4.39 (Roche)
2023-03-23	1.85 (Roche)
2023-03-11	1.83 (Siemens)
2022-09-01	1.85 (Siemens)
2022-08-19 (32 years old)	1.42 (Roche)
2022-02-18	1.92 (Roche) + Digital Exam
2021-08-20	0.87 (Roche)
2021-06-09 (31 years old)	0.9 (Siemens)
2020-02-18 (29 years old)	1.2 (Roche)
2017-10-25 (27 years old)	0.9 (? - Labcorp)
2014-08-28	1.3 (? - Labcorp)
2014-06-03 (24 years old)	0.8 (? - Labcorp)

I found out the hard way while playing my new monoblack, secret-commander [[Necrotic Ooze]] deck that my pod HATES infinite combos (I won the game as soon as NOoze resolved, using the activated abilities of [[blighted bat]], [[palladium myr]], [[pili-pala]], and [[Herald of Hadar]] from the graveyard to roll infinity d20's, instantly life-wiping the table).
I promised my pod I'd take any infinite combo pieces out of the deck, but I didn't promise to stop abusing NOoze. After removing the combo pieces and mana-sink wincons, I decided I have enough room to pivot to Dimir, and changed the commander to [[Lazav, the Multifarious]].
Here's where /degenerateEDH comes in: what are the best creatures' activated abilities in UB, which I can put in the graveyard for NOoze/Lazav to abuse?
Only two limitations, per my pod's meta:
1) no infinite combos
2) no card whose value exceeds $10.
So far, my best idea is to get [[Horseshoe crab]] and [[Tree of Perdition]] in the yard, so I can spend U,U,U to tap/untap NOoze/Lazav and take all opponents down to 3 life each. Still trying to figure out a wincon from there.
My goal is to make the NOoze so powerful that my friends regret forcing me to pivot away from infinite monoblack. Whether you build off the Horseshoe Crab of Perdition line, or have a totally new idea for a wincon, I'd love to hear your most oppressive activated abilities!
I can provide a rough decklist in progress if anyone's curious.

Hyrule Castle feels so subversive in TotK.
I completed Breath of the Wild 3 times and eventually grew to like it, but on my very first go, i was ultra-disappointed! I had heard the very week BotW shipped that the game was extraordinary and a masterpiece and this and that, but the trailers never hit me the right way, and so I already knew something was up when I had read that Calamity Ganon was a weak finale echoed by many. However, far most people said "the dungeons are weak, but just wait till you see Hyrule Castle. It's AMAZING!" So I tried to set expectations accoedingly.
But given Hyrule Castle is supposed to be endgame, even if BotW's premise is "you can beat the game when you want!" I was just so underwhelmed. Early in the game an NPC at a stables was like "see those waterfalls up the east side of Hyrule Castle? I bet if you could just swim up waterfalls, it would be a great way to infiltrate the castle!
So I thought, yo, this castle is gonna bring it. Everyone's saying how arduous it was to go through that dungeon, I'll definitely try that route!
But then I literally just went up 2 waterfalls in Zora gear and didn't even realize I was at the final boss when the cutscene triggered by entering the Sanctum. It just seemed way too obvious and easy. It also spoiled me completely of the dungeon everyone said was so great. The final boss itself is a great fight but I won't defend the concept or design. I thought it was completely lame, as a Zelda fan and as a big Ganon fanboy. Suffice it to say, BotW just didn't always click for me, and I'm happy to say TotK is the opposite so far.
After doing the first dungeon, I accidentally found Zelda's secret well at my old house in Hateno and found Zelda's notes. I had wanted to save Hyrule Castle for later, because I was literally afraid of having the same ending jumpscare by accidentally enteriny the wrong room, like the Sanctum, but her notes said to find the Champion's tunic inside the Throne Room. I had to do it.
I love how much the castle subverts your expectations as a BotW player. You aren't even sure if this is where the final boss will be. You can see much of the same level design, and the same enemy gauntlets scattered here and there, but just whem you're expecting the "TotK-version" of an encounter, something else happens. I went to one of the domes where the Lynels would normally appear only to find it peaceful and with a few weapons scattered. I explored the Sanctum freely now, and felt the history of my time in BotW reflected. I found the friggin DUSK BOW atop the tower which is so, so cool. I expected to find a trasure chest somewhere in the sanctum and finally realized it was a legit puzzle to unlock the sarcophagus to a chest. And man, they actually updated the Champion's tunic. It's so worth it. The bridge collapsing when going to Zelda's study was so unexpected. Contrary to BotW which hid some actual backstory inside the castle, TotK purposefully leaves it all derelict. There are no further notes to find by the King or by Zelda in their immediate rooms, because they haven't been here, because realistically, this history of Hyrule progressed past its apocalypse, so of course this isn't where Zelda would be after the events of the last game.
Everything feels so real, and so damn respectful of people who have the continuity of the last game, and I suppose after going through the rooms that this really is just a bonus game location now, and the finale happens in the sky or underground (DO NOT SPOIL OR I WILL USE DIRE MEANS!!!).
I simply love it!
Without telling me big spoilers, what's your experience with BotW/TotK Hyrule Castle?

I’ve been playing for 2 months now and i read posts here to know a little more about the game. The problem is, I see a lot of people telling players that their monsters are better on offense/defense. My question is, how do we know? Stats? Rarity?

Plenty of reviewers are fully decked within 100 hours of playtime. Harlequin Crest, Temerity, you name it. Looks like they are going the D3 route. So much for "0-1 unique per season".
People solo clearing T100 NM already is a bit disappointing as well.
According to reviewers (ex: Force Gaming) The game is overall too easy, especially non NM content (World Bosses and Helltides).
This is going to be a fun 2 weeks but I'm very worried about the game's longevity if everything is so easily obtained and cleared.
PS: WW Barb best build in the game confirmed.

We camped along the fishing stream through the 90s and early 2000s. Then we got pushed to the end of the road, miles away from the stream. We camped there one weekend a year for about 10 years. I called to get a permit and they are implementing all spots to be available for online reservation for $10 per night (permits used to be free). At the moment, this particular spot isn’t available yet to book online, but they no longer write them out over the phone. The only places available are state park camping sites.

1. When we camp, we just set up a couple of tents, have a fire, cook, drink, play music and just chill.
2. I just want to set up a tent and not have to be around people just because I don’t want to bother anybody with the noise.
3. I don’t mind paying the $10 per night either

Question- what happens if we just set up our tents and camp without a permit? There is hardly ever game wardens/DCNR that drive up that way, but if they did - what could happen? Any thoughts?