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shera-dnd · 4 years ago

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Face Turn - Breaking Kayfabe

In the time between the last raffle post and the current poll I had decided to work on something for my own enjoyment (novel concept I know), so I had the lovely idea of taking that one MMA/Wrestling AU thing I wrote for Freezer Burn Week last year and turning it into a whole ass fic

And I do mean a whole ass fic. It’s already finished and edited and everything, because I didn’t want to have any more 6 month long hiatuses and shit.

BUT I’m not posting this whole shit in one go. Instead I’m gonna be posting updates every monday and friday until this fic is over, because I like watching y’all SUFFER!

anyway here’s the AO3 link and let’s get this shit going

Penny Polendina had never been much of a wrestling fan, or much of a fan of any contact sports. It just had never been her thing. Ruby on the other hand, she loved that stuff, she had been invested in these kinds of sports since she was a little kid - easy to understand considering her dad and sister were both wrestlers.

So of course, when Ruby invited her to watch her sister’s big match with her she just couldn’t say no.

Oh curse her poor gay heart.

The venue was loud, very loud. It was also extremely cramped with just how many people have been crammed in this space, shouting their hearts out at a match that hadn’t even started yet.

It was nicer than she expected actually. Being surrounded by all this cheer and high emotions, watching people get so invested in the thing they loved. She could definitely see the appeal, and watching it all right next to her crush was certainly a plus.

Ruby always had a way of making any situation feel particularly magical.

It was pretty weird catching several storylines right at their grand conclusion, but Ruby did her best to explain all the feuds and narratives that led to these big confrontations. Penny did her best to follow, but it was a futile attempt, so she just nodded along and watched the flashy moves and over the top entrances.

“Okay so the next match is a Royal Rumble,” Ruby explained, “that means that thirty people are gonna come into the ring one at a time and they’re all gonna fight each other in a big match. If someone gets tossed over the top rope they’re out and whoever is the last one standing wins.”

Penny nodded, having somewhat grasped what was being said over the loud roaring of the crowd.

“And the best part,” she had been almost jumping in place as she talked to her, “this is my sister’s match! She’s gonna kick so much butt! I can’t wait for you to see her in action again!”

The match had gone for a few minutes and several different fighters had already joined and left the ring, though there was still no sign of Ruby’s big sister. Penny was about to ask her about it when the loudest and most over the top intro music yet played over the speakers, from the way Ruby clung to her arm at the sound, it seemed her question was already being answered.

“It’s the Golden Dragon herself!” Someone announced over the speakers, “Yang. Xiao. Long!”

The end of the word Long was nearly drowned out by Ruby screaming, “That’s my sister!”

Already properly infected both by the crowd’s cheer and Ruby’s own, Penny couldn’t help but shout along with them, “You can do it! Kick some butt!”

Ruby pulled her into a tight hug, laughing her heart out in excitement.

Penny would like to rescind the previous statement and just say that she really freaking loves Wrestling.

Over on the ring Yang was doing as requested and kicking as much ass as she could, all while keeping the easy cheer that seemed to run in her family.

With time the other wrestlers had decided that they were done letting this one woman go unchallenged and quickly ganged up on her, beating her with numbers when they couldn’t do so with strength and skill alone.

That’s when orchestral music began to play.

“Oh come on,” Ruby groaned, “That’s not fair.”

Penny looked utterly confused as the new fighter got announced. The Ice Queen, Weiss Schnee.

“Ugh, she’s been Yang’s rival for months now,” she groaned, “come on, just let her win this time.”

This Weiss woman carried herself with the confidence of someone who had already won the match and was considered walking into the ring just a formality. If the boos and jeers were any indication, that attitude didn’t really fly with the fans.

Or it did in just the way she wanted. People seemed to love to hate on her and, if her smirk was any indication, she loved to be hated just as much.

Penny had really been hoping to celebrate a big victory with Ruby and her sister, not watch her be completely defeated in front of everyone. So she clung to hope that somehow Yang would turn things around.

What neither of them seemed to expect, was for the Ice Queen to do the exact opposite of that.

Quickly and brutally she turned the tides in Yang’s favor, both of them easily dealing with what the other wrestlers had to offer. Their teamwork was a marvel to behold, apparently when you fight each other every other week for months you learn a lot about each other’s move and just how to set them up.

“Didn’t you say they were rivals?” She asked, but Ruby seemed just as confused as she was.

“Yeah, uh-” Ruby stopped to think for a moment, her worry from before now completely gone. Had she been acting this whole time too? “They just have this whole ‘only I get to defeat you’ thing going on.”

A few more minutes later and the two of them stood alone, beaten and exhausted after a long drawn out match. For a moment Penny assumed the match would end right then and there, having completely forgotten that the two women were not in fact working together.

The two of them braced for what was gonna be a rough fight. Except Weiss wasn’t happy with surprising the crowd just once, and as soon as their bodies met she pulled Yang down and kissed her.

The crowd wasn’t sure of how to react. Even Ruby had been completely caught unawares by this turn of events. Penny turned to her, several questions ready to leave her mouth, but before any of those had the chance, she heard the distinct sound of a woman hitting the floor.

Yang had been thrown over the top rope. Even in defeat the woman laughed and applauded as she watched her rival up in the ring.

Up there Weiss stood alone and victorious, she grinned with pure smug joy as she basked in the ever growing boos of the crowd. Only after goading Yang’s fans into a proper fury did she turn to see the state of her rival.

Penny had to admit, wrestling was a lot more interesting than she expected.

#RWBY #weiss schnee #yang xiao long #freezer burn #ruby rose #penny polendina #nuts and dolts #wrestling au #freezerburn

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arcaneranger · 5 years ago

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Final Thoughts - 2019 Long Shows

Dear Lord. This is where all the good shows went.

2019 was absolutely awful on a season-by-season basis (except for Summer, anyway), but that’s mostly because most of the best shows ran longer than what has become the industry norm of a single season. And indeed, heading into the new decade, we seem to be seeing a major renaissance for two- or split-cour shows, given the massive success seen by shows like My Hero Academia, Food Wars, and Haikyuu!!..particularly in comparison to the new perpetual-runners Black Clover (which, despite running for over two straight years now, is still not the most popular show of Fall 2017 by viewer count on MAL, and sits at a ‘meh’ 7.2), and even worse, Boruto: Naruto Next Generations, which is faring even worse on both counts even though it premiered two whole seasons earlier and the fact that it is the sequel to Naruto.

As a reminder of my rules, the shows on this list may or may not have premiered in 2019, but they finished airing this year. The split-cour rule (stating that I judge any show that “finishes” and then premieres a “new season” within six months) didn’t come into play for any 2018 shows, but it will for Ascendance of a Bookworm and Food Wars this year, at the very least.

With that being said! 25 shows running longer than thirteen episodes finished airing this year after being simulcast, and of those…

I skipped 6:

Jojo’s Bizarre Adventure Part V: Golden Wind, Fairy Tail Final Series, A Certain Magical Index III, Ace Attorney Season 2 and Cardfight Vanguard (2018) because I either dropped or have not finished their previous (also long-running) seasons.

Yu-Gi-Oh VRAINS because the simulcast started late and also it was bad.

I Dropped 8:

Worst Long Show of 2019: The Rising of the Shield Hero

It’s always fun to see that a show you hated from its first episode only gets more and more distasteful afterwards, but it’s less fun when a service you have to promote because they’re the legal option is forced to shove it down your throat because they had a hand in making it and it became a massive hit that your friends don’t see any issue with because the author wrote a story that justifies its hero’s patronage of the slave industry. This is my punishment for watching the whole first season of The Asterisk War before I knew better.

YU-NO: A girl who chants love at the bound of this world

A confusing mess from the word go, this ill-fated adaptation of a visual novel from the nineties seems like it was mostly made to cash in on the popularity of the Science Adventure series, but failed to present itself in a way that made an ounce of sense or looked remotely interesting.

Fairy Gone

Am I really the only one that saw potential here? I mean yes, it ended up a boring slog that didn’t care to move its plot in a meaningful direction, but the first episode was at least cool. I guess Izetta: The Last Witch should have taught me better.

We Never Learn

I know that I’m in the minority in terms of the male demographic for shows like this, but honestly, how are bland harem shows still this easy to market? A copy-pasted protagonist with copy-pasted waifus drag down what could be an interesting setup for a story.

Karakuri Circus

The first episode of this one had me excited, the second and third left me bored to tears and wondering if it would continue to look uglier by the minute. I haven’t seen a three-cour show look this janky since Knight in the Area.

Radiant

Having heard good things about this show from my cohorts, I do feel bad for saying I’ll probably never return to Radiant, but when you have a show that’s notably written by a European author...and it turns out to be a frustratingly standard shounen affair with middling production values, well, you can see my earlier annoyance with Cannon Busters.

Ensemble Stars

This one still gets to me. It almost looked like a male-idol show I would finally be able to get behind, what with its rebellious attitude and oddball setting...that is, until the setting got to be too unbelievable and the show began drowning its audience in side-characters because they had to squeeze every husbando from the mobile game into the story, and it all began to resemble UtaPri a little too much...but without the production value.

Boogiepop and Others

This was a hard drop, honestly. I spent a lot of time trying to figure out how I felt four episodes in, before concluding that I was bored and not particularly invested, two things that should never describe the experience of watching a Madhouse show. The fact that this was the project responsible for ruining One Punch Man only made it worse. There’s a slow burn, and then there’s walking away without turning the stove on.

And I Finished 11 (holy crap that’s like three hundred episodes just on their own).

That Time I Was Reincarnated as a Slime (5/10 & 1/10)

I’ll be honest, I had forgotten just how livid I was with the ending (and especially the sad excuse of a recap episode) of Slimesekai, and reading back through my write-up of it, it’s certainly coming back to me. While this year had bigger demons to fight (Shield Hero), the bad taste that Slime left me with hasn’t really faded, and the wasted premise bugs me to this day.

Hinomaru Sumo (7/10)

What Hinomaru lacked in production value, it happily made up for in good execution and earnest heart. I can’t believe this came from the same studio as Conception, Try Knights and 7Seeds, but if they can only get out one good show a year, I’m glad that we got one bringing attention to a sport that many will joke about but few understand, respect and appreciate.

Kono Oto Tomare (7/10)

Speaking of giving love to traditional Japanese culture, here’s a decent-if-unoriginal show about a local high school koto club down on their luck, and the troubled teens coming together under a scrappy protagonist to bring it back to life. Kono Oto Tomare doesn’t have much that you haven’t seen before, but a decently-executed club drama with Your Lie In April-inspired musical performances is more than enough to keep me interested, and since Forest of Piano kinda crashed and burned under the weight of its own self-importance this year, it was nice to have an alternative.

MIX: Meisei Story (8/10)

It’s hard to judge MIX next to the other shows on this list because it’s almost too old-school for its own good, revelling in an eighties storytelling style that didn’t end up jiving with a wide audience this year. But at the same time, its fun character dynamics (and a very good dub from Funimation, despite them saying they’d never touch sports anime again) were very entertaining to watch, even if it didn’t focus as much on the sport it was supposedly about as much as I’d have liked.

Demon Slayer: Kimetsu no Yaiba (8/10)

I fully admit that I’m very salty about the fact that this won Show of the Decade in Funimation’s poll while it was still on and I thought there were hundreds of more deserving shows, but I can’t deny that Demon Slayer was a very enjoyable experience, albeit one that I had notable problems with. That’s not gonna stop me from getting mad when it sweeps the Anime Awards in a few weeks, though.

Fire Force (8/10)

I was very afraid that David Productions wouldn’t be able to match the energy of Studio Bones’ adaptation of Ohkubo’s previous work, Soul Eater, but I was happy to be proven wrong. Even if the last few episodes contained a bit too much infodumping, it was all sandwiched between jaw-dropping fight scenes that proved that the people who make Jojo’s Bizarre Adventure can still handle the reins of a more traditional action show.

Fruits Basket 1st Season (8/10)

I know that my score for this one is a bit lower than others, but I think that Fruits Basket did pretty well in its first season, considering that it was largely spent setting up future storylines and adapting the part of the manga we’d all seen before, but with much higher production value. I’ve been familiar with this part of the story for over a decade, and the scene with Tohru and Kyo (you know the one) still made me cry. Now, we get the real plot going.

Dr Stone (9/10)

A great start to a totally new spin on shounen, Dr Stone gives me hope for survival in the post-Shokugeki world in which we’ll soon live, as a show that wears its research on its sleeve. A complex plot weaving interesting characters in and out of a narrative surrounding a philosophical battle where both sides actually do have fair points (even if one of them is going about it in a pretty cruel manner). More please.

Vinland Saga (9/10)

Once again, a great start to what will hopefully be years of quality storytelling, Vinland Saga made it seem like it was dragging in the middle only to reveal just what its slow burn had been leading up to, with twist-heavy storytelling and a fantastic cast to match the high visual quality of its brutal battles.

Run With the Wind (9/10)

It’s not often that Production I.G. gets to make a complete, fully-realized show anymore, and this one was a glorious reminder of the potential of the studio in the TV space, and a great rebound for the director of Joker Game. It’s gorgeous to look at, the cast is wonderful, and the story is both realistic and idealistic in a satisfying balance. It’s a miserable process to get to the finish line in real life, but sitting back and watching this was nothing but a treat. At least, until a minor fumble at the end.

Best Long Show of 2019: Dororo (9/10)

Speaking of complete stories, Tezuka Productions and MAPPA teamed up for a breathtaking adaptation of an underappreciated Tezuka classic that expands upon the story in exactly the right way to create a thrilling, savage, beautiful masterpiece that focuses a laser-sharp eye into the relationship between two characters in their journey to, literally and figuratively, become complete people. Also, that opening was killer.

And that’s it! That’s the fun list. Next comes the painful one. Stay tuned for the trash heap.

#final thoughts #year end anime list #long 2019 #dororo #demon slayer #Fruits Basket #vinland saga #run with the wind #Dr Stone #rising of the shield hero #fire force #kono oto tomare!#mix meisei story #hinomaru sumo #hinomaru zumou #that time i got reincarnated as a slime #tensura

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webuyhousesfastllc · 4 years ago

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Selling Your House Fast using the “Subject To” Method

By: The Massachusetts Home Buyers LLC

Why would anyone want to sell their home via subject to financing? Aren’t their major risks associated with such undertaken? What if the buyer flakes and defaults on the note? This situation alone would be enough to deter any homeowner from selling their home in such a way as relying on another stranger to pay their mortgage. Worst of all, your credit score would take a significant hit alongside many other financial hardships. On the contrary, everything could also, too, go as planned with the mortgage getting paid down and your credit score gradually increasing.

Today, most FSBO’s shy away from such creative deal structuring due to one major issue, LACK OF KNOWLEDGE!

That’s right! A recent poll taken by The Massachusetts Home Buyers LLC had determined this issue among a survey selection of 50 FSBO’s who were either currently selling or planning to sell their homes very soon. The survey showed us that out of the 50 FSBO’s, on a professional critique level, 42 within the sample of 50 would have benefited more from a subject to deal than a traditional one-time closing. Out of the 50 FSBO’s 48 had no idea what it was and why it is used.

Why would a homeowner sell their home via subject to their existing mortgage?

Let’s start with the real-life story of Peggy Labate of Massachusetts. Peggy had lost her job Do tour company going to economic trouble. She then began facing the possibility of her home going into foreclosure, Putting her in a particularly dire financial situation. Peggy owed a total of $74,000 on her note for her home. This put her at an astonishing $12,000 in the hole.

She had an investor interested in a property, however, He did not actually have the full $74,000 needed for the sake of purchasing the property. Instead, the two of them worked out a compromise that would work for everyone. The compromise consisted of the following: He would purchase the property in such a way that he was subject to the existing mortgage payments per month. If agreed upon, Peggy will no longer have the monthly payment mortgage burden because the investor will be taking over her payments. Peggy then was able to make the sale work and avoid a disastrous credit hit by foreclosure. She barely had any money for food for that week, nevermind a mortgage payment. She was also able to sell the home within 2-3 business days following the agreement. YES! It was that easy.

In other parts of the country subject to the existing mortgage now has become quite popular among for sale by owners. Especially in post Covid era, selling subject to deals have increasingly spread. Especially in areas where unemployment has increased drastically.

Furthermore, most people don’t have the time in today’s world to even market the property by themselves. Additionally, they are not adapt to marketing, interviewing potential buyers, and credit analysis as Massachusetts license representatives are trained for. But why pay commission when you can simply pass your mortgage bill over to a investor who will take over the payments as well as put some money on the sellers pocket.

Another example was Hank. Hank was upside down on his mortgage because he bought right before the 2008 crash. The homes value dropped significantly but was able to almost break even in 2021. Let's look at Hanks predicament below

Home cost 2005: $320,000.00

Mortgage note: $335,000.00

POST CRASH

Home cost 2009: $245,000.00

Mortgage note Current 2009: $315,500.00

Present 2021

Home cost 2021: $285,500

Current note Balance: $295,000

Since Hank lost his job due to the COVID-19 virus, he is now finding it hard to pay for every day expenses and his mortgage. Therefore he’s in a little predicament. A friend of his told him “to suck it up and pay up to $10,000 and be done with it already”, but Hank doesn't have the $10,000 to come out of pocket. Plus, Hank is thinking “who actually sells a home to lose money?”. The plot thickens as the days go by and his bills pile up he is now three months behind on his mortgage and his banks are calling leaving messages on his voicemail. His monthly mortgage PITI is at $1,250.00. Thus, on top of all the other bills, as well as the $10,000 he will need to pay out-of-pocket if he wanted to sell, he is now behind approximately three months and four days owing a whopping $4,200.00 (includes late payments). The home is getting close to breaking even, and he has pre-permitted lot space to extend the square footage of his home. He was told by an investor he could add another 1000 to 1500 sqft to his home. Although costs would range anywhere between $68,000 to $80,000, it would bring his home value from $285,000 to $390,000. Additionally, if he were to add another a bathroom and a half in this addition, the after renovations value would be anywhere between $415,000 to $425,000. Unfortunately, Hank did not have the funds, which would probably be anywhere between $110-$120,000 to do such work, even though the value add would be $200,000 to $215,000. What is Hank going to do.

Hank is definitely stressed out!

Hank is now slipping into foreclosure and is getting unrealistic to almost cruel advice. Until one day he found an ad in his local paper from The Massachusetts Home Buyers LLC.

Hank called The Massachusetts Home Buyers LLC and told him his predicament. Hank began his conversation by saying, “ Look, I know you can’t help me in my situation but maybe you can give me some advice?”, the investor from The Massachusetts Home Buyers LLC laughed and calmly said “ Well hello, my name is Gary, Whats yours?”. Hank forgetting his manners backed up his excitement and said with a sigh, “My apologies, Hank here”. The caller than asked Hank to fill him in on what’s going on. At the end of the conversation, the investor asked to visit the property and take a look at the permits that were once pulled by Hank that he never utilized back before the crash.

Although the permits had become null and void, the investor knew the area very well as well as the permitting process for building additions. The Massachusetts Home Buyers LLC are constantly scrutinizing and investigating the housing market and its bylaws. At the end of the walkthrough the investor suprised Hank with a deal that almost had him fall to the ground. The deal, according to Hank was pure genius.

The deal looked like this:

First, Hank will transfer title to the property over to the Massachusetts Home Buyers LLC.

Instead of paying out of pocket, the investor offered him $20,000 cash in pocket for the transfer of title.

The Mass Home Buyers LLC would bring an additional $6,000.00 for closing expenses incurred and pay up the missed payments of $4,500.00 to the bank.

The Massachusetts Home Buyers LLC would then own the home, however, Hank would need to leave his mortgage untouched and in place.

To lessen Hank’s anxiety, Hank and the investor called his lender on a three-way call to explain the transaction. Strangely, the lender knew the investor by the first name. Hank knew he was dealing with professionals. The investor kindly told the lender about Hanks's situation and that he offered him the title in exchange for paying off the back payments as well as take over his note as-is. The lender said, “ Ok, Gary, so you want to subject to the existing note and make payments on Mr. Hanks 30 year fixed?” The investor replied, “yes, Sir.” The lender asked, “ok, that's fine; when do you think it will transfer or be paid in full?” The investor said calmly, “I don’t know now; however, you will be the first to know when we do so.” The lender stated, “fair enough- ok, we are good, no static on this end.” Hank had heard about the dreaded due on sale clauses and was just relieved. Besides, the investor boldly asked the lender to keep the mortgage under Hank's name; however, cancel his insurance for a tenant-buyer who can be vetted additionally by the lender will be taking over. Hanks's problems were swiftly Disappearing. How does this subject to thing work anyhow?

Finally the closing date has come and looked like this.

Purchase: $25,000 transfer of deed w/ subject to $290,000 fixed 30 year mortgage payments.

Hank has money for first and last for a apartment and got his job back. Also, his credit was soaring because of all the additional payoffs by the tenant-buyer the Mass Home Buyers LLC had moved in.

Investors side

Current mortgage: $1,250 per month

The Mass Home Buyers Lease Option Payments by tenant buyer: $1,900.00 ( the areas rental median is $2,500) Cash Flow $650.00

The tenant-buyer was a carpenter who pulled a new permit and added over 1600 SF of home and an in-law and two full baths. The home soared from $290,000 to $480,000.00

After cash-out refinances, the tenant-buyer will be able to reflip, and the Massachusetts Home Buyers LLC will make over $235,000 within 1.5 years. Not bad for one deal.

Hank no longer is upside down and in debt. He also has money in the bank. The tenant-buyer has an affordable investment he will inevitably reflip. The Massachusetts Home Buyers LLC made a healthy profit for saving Hank's credit from annihilation while providing inventory to one of many tenant buyers. Talk about a win/win/win heh? Subject to deal structuring is highly beneficial for sellers who are in situations like Hank, but also if they need to sell in a hurry due to a strict timeline that cannot wait for a realtor to research, market, interview, negotiate, and inevitably, sell their home.

Subject to candidates usually have three main scenarios in common:

They are facing foreclosure and/or exceptionally behind on payments

They want to repair their credit score and what better than a real estate solutions company paying their tab under their name on a monthly basis for an extended amount of time. As the buyer pays on the mortgage, the previous owner of which the note is named under, is being paid consistently. Sometimes even double paid due to the buyers motivation to pay down the balance in preparation of either a resell or a cash out finance situation.

They need to move very quickly and do not have the time to A) remote manage a realtor on the property which can result in miscommunication and other issues B) Has a new job that begins relatively soon that is out-of-state. C) A or B, however, has a significant amount of mortgage left to pay. and D) Is negative on their note and does not want to come out of pocket to pay the difference. The Massachusetts Home Buyers LLC not only assists those in selling their upside-down notes but will also. Reward the seller for transferring the title. What would you rather do?

The moral of the story is, long as you’re dealing with professionals and people who know how to market with structure and don’t hide things from anybody, make deals such as a subject to or any other Creative Financial matter that much more beneficial for all. As of today, the Massachusetts homebuyers not only helps people in need like Hank but also work with retail homebuyers because they structure their deals in a way that gives both the seller what they need in regards to pricing at the same time, create a good investment for their company. REMEMBER THIS: THE SELLER OF A PROPERTY MUST ALWAYS HAVE A MORTGAGE OR ANY ALTERNATE LIEN AGAINST THE HOME TO CONDUCT A SUBJECT TO DEAL. IF THEY DON'T HAVE ANY PAYMENTS AGAINST THE HOME THAN IT WOULD BE KNOWN AS SELLER FINANCING.

#The Massachusetts Home Buyers LLC #subject to #take over mortgage #creative finance #Plymouth County FSBO’s #bristol #cheap old houses #massachusetts #worcester #flipping house #zillow homes #redfin #realtor.com #cash flow #foreclosure #moving out #rent to own #real estate #sell my house fast for cash

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zippyreview-blog · 4 years ago

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Zippy Review: The Worlds 1st All-In-One Interactive Viral App

Sick of buying products that gets you nowhere? You know the ones where the sales pages are filled with BS? But then you find out there’s incomplete training on how to make it online. That stops today.

I have something cool you need to check out. A brand new app that lets you leverage… First Of It’s Kind Viral Quiz App For Traffic & Sales… Interested? If yes the you need to check this Zippy Review below!

What is Zippy?

Be honest… you’ve brought a product cause the sales pages are flashy – luxury cars, yachts, vacation spots, houses… Then you discover that the products offered are complicated.

I’ve been there. I’ve learned my lesson. So today… Billy Darr offers a refreshing software that makes it possible for newbies to crush it online. This is the easiest way for anyone to start earning passively at home

First of it’s kind viral quiz app for traffic & sales… With Zippy, you’ll work whenever you want for as long as you like. You’re in complete control. There’s been such a buzz about Billy Darr’s new software.

Others have earned loads from it. Consistent sales every week. And most of them are newbies. If you’re looking for an easy beginner friendly option to earn online. THIS is it.

You’re getting the Worlds 1st AutoPilot Viral Software that leverages viral marketing for hundreds of free viral visitors, you get the step-by-step tutorials, the quick start guide and 5 premium bonuses, worth thousands.

So how do you get ahead of the viral traffic game? Simple. Zippy is the answer. In the details, this is the first of it’s kind ultimate viral marketing software that lets you leverage the power of Quizes, Polls, Quotes and so much more!

The goal of the software is to help turn 1 visitor into 10 and 10 into 100 with power of viral marketing! Zippy is a complete solution & comes with everything you need from the software to the training & everything in between. No list, no website and no hosting is needed.

Zippy is web based which means it works on any device with a web browser. So whether that’s a Tablet, PC, Mac, Android, iPhone literally any device that has a web browser.

With Zippy, you’ll get an all in one suite that can handle just about any traffic generation task you can throw at it. Just take a look at a few of the things Zippy can do in the next parts of this Zippy Review.

Zippy Review Overview

Vendor Billy Darr

Product Zippy

Launch Date 2020-Aug-31

Launch Time 11:00 EST

Front-End Price $17

Bonuses YES, HUGE BONUS

Refund YES, 30 Days Money-Back Guarantee

Product Type Software

Support Effective Response

Official site 👉VISIT OFFICIAL SITE

Recommended Highly Recommended

Skill Level Needed All Levels

Who are the creators?

Billy Darr is a familiar name in the market recently. He is known for his excellent digital products. Some of the products that helped him succeed such as BossFunnels, Surge, Social Profit App, etc.

He always tries his best to create products that serve the needs of the user. They know him by his passion and enthusiasm for digital technology.

Recently, with the help of his colleagues Justin Opay and Dipanjan Goswami, he continued to launch a high-end digital product to serve customers.

Let’s look at the next parts of my Zippy Review to see what he has transformed into it

Features of Zippy

Einstein said: “The definition of insanity is doing the same thing over & over again and expecting different results…”

That’s why the creators have put together something totally different to what you’ve ever seen before… A solution that not only gets you traffic but a solution that converts that traffic into cold hard cash.

Because let’s face it — you can’t deposit traffic into your bank account! Now what we have for you is not just another software, it’s the ultimate package to getting results online but first let me explain why you’re still stuck.

Once you understand what’s holding you back you can break through and move forward.

Everything you need to succeed is included at an affordable 1-time price!

Brand-New Zippy Software: First-Of-It’s-Kind Beginner Friendly Software Gets You Hundreds Of Free Viral Visitors In 60 Seconds In 1-Click.

Step-By-Step Video Tutorials: The included video training teaches you EXACTLY how to convert the viral traffic you get with Zippy and turn it into unstoppable sales.

Quick Start Guide: If you don’t like going through video’s don’t worry, I have you covered with a Quick Start Guide that just shows you how to fire up Zippy to get viral traffic & sales in seconds.

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joyofcrime-elinorhigh · 6 years ago

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Teen Titans Go To The Movies REVIEW:

Ahem

"I DON'T KNOW WHO CREATED...TEEN TITANS GO!....BUT I'D TRIED TO FIGURE OUT HOW WE GET THEM TO HAVE TEEN TITANS _GO. TO. THE. POLLS." _ *Beat*

"I'm with her!"

** **Hello everybody, my name is JoyofCrimeArt, and it's time to finally put this to rest. I've already gave my very...very...very extensive thoughts on Teen Titans Go! in my last two reviews.

Oh my gosh, why didn't I call those reviews "Teen Titans Go! is Garbage and Here's Why?!" It was probably long enough and would of gotten way more views!

But back on topic. To summarize my thoughts though I think Teen Titans Go!, while I do think that there are some good elements and even good episodes of the series, I didn't end up finding it to be a very good series on the whole. However, it is a series that I do enjoy watching in a weird, ironic kinda way. It's a very love hate relationship. It's a bad show, but I will be sad when it ends, cause it has impacted my life that much. So when word of a movie came to be, it immediately grabbed my interest as well as my curiosity. What could a show like Teen Titans Go! possibly do with a movie? Teen Titans Go's! whole "thing" is that it DOESN'T do big superhero stories. Wouldn't making a film kinda go against what the whole show was about? And the show typically had trouble stretching there plots out for eleven minutes, let alone ninety. But as more trailers came out, I started seeing a lot of people genuinely getting excited for the film. Even I had to admit I was kinda getting a little bit hyped by the trailers. And when the film finally did get released it actually succeeded in getting over a ninety percent on rotten tomatoes! Yes, you heard right, CRITICS WERE LIKING TEEN TITANS GO! Could this movie actually be....good? Or would it end up being as obnoxious as the series that it was based on? Well, it's time to find out. Consider this your **SPOILER WARNING, **as we dive right to Teen Titans Go To The Movies.

I both love and hate that title.

https://www.youtube.com/watch?v=r9WhJyyTtqo

The film begins with a giant balloon monster attack Jump City. And right off the back, I wanna praise the animation of this film. I admit, compared to other tv to film adaptations, it's nothing that _fantastic. However, there is a definite improvement from the series. The backgrounds are very fleshed out and detailed, chock full of little references and Easter eggs here and there. And the animation on the actions scenes (Yes, this film has those) is actually really good and surprisingly fluid. I admit though, this may just be slight bias because I'd pretty much praise any form of theatrical 2D animation now of days because COME ON, HOLLYWOOD! WHY WON'T YOU MAKE MORE 2D FILMS ALREADY!!!

_ We get a scene that manages to, in a very quick and effective manor, establish the films tone as well as show off all five of our main characters and establish there powers. Really impressive stuff. Is what I would say, If it didn't also includes an overly long fart joke, and a rap. Wow, six minutes. Is that a record for "kids film?" Guinness..can we verify?

When the Titans, in typical Titans fashion, fail to stop the villain. This results in the Justice League to show up and stop the villain for them. And NICHOLAS CAGE plays Superman! YES! Okay movie, you get points for that. I'm fair here. That's also another thing this movie has over the series. Not all the side characters are played by Scott Menville or Tara Strong! They have like, MORE than five voice actors to pull from. Amazing, I know. The Justice League chastise the Titans for there general incompetents at everything, and bring up the fact that if they were real heroes they would have there on movie by now.

As I mentioned in my previous reviews, Teen Titans Go! is at it's best when it's meta. And with so many superhero movies now of days, the Teen Titans Go! movie not only acknowledging this trend, and incorporating it in it's plot feels like a natural progression from the type of plots featured in the show. So I think this was a good direction for the film to take. There are a ton of jokes bashing not just DC films, but Marvel and Fox movies as well. And these jokes tend to be the highlights. When I first saw the trailer I was worried that these jokes would quickly get old, seeing how many of them are in the trailer. But in the film proper, they mix it up and spread them out enough to keep them enjoyable. So kudos on that.

The Justice League fly off to go to the world premiere of Batman's newest film and the Titans decide to sneak into the red carpet premiere themselves. As they show up the films director, Jade Wilson (played by Kristen Bell), get's up on stage and starts revealing the slate for the next several DC movies. And just like in real life, there all Batman spin-off properties! Robin sits there in anticipation, hoping that a movie will be announced. But we get this, instead.

See, the thing about this that is funny is that THERE ACTUALLY DOING THIS. I doubt the people making this movie knew that at the time. But neither the less, it's happening, and I have proof.

After a few more trailers Robin ends up jumping on stage thinking that his movie is going to be next only to discover that there is no plans for a Robin movie. All the other heroes laugh him off stage until all the Titans run out of the theater. The other Titans try to consul Robin, but Robin is adamant that if he doesn't get his own superhero movie he'll never be seen as a real hero. Raven suggest that if he wants a movie, first he'll need an arch nemesis. And just as she says that a crime occurs and the Titans go to investigate.

The crime is being committed by none other than Slade, now voiced by Will Arrnet instead of Ron Perlman. And he is there to steal some kind of "mind gem." I like Slade in this movie. Sure, he's absolutely NOTHING like Slade from the original series, but that's okay cause he is his own unique take that fits the tone that the movie is going for. Also Will Arrnet is great casting for a more comedic take on Slade. I mean the creators of the original Teen Titans show said in interviews that they wrote Slade to be an evil Batman. So who'd be better to voice him than Lego Batman himself. My only gripe, and it is a minor one, is that while the film makes a big deal about Slade being a "serious villain" that only a "serious superhero" would have as an arch enemy. But he's only _slightly _less silly than the Titans. And while this isn't that big of a deal since Slade is funny here, it does seem to kinda go against the narrative that Slade is suppose to representing.

Also, when Slade and the Titans meet, and neither seem to know who each other are, with the Titans believing that he is Deadpool. Even though in the series the Titans have acknowledged Slade in the series before, and even battled him before. (off screen, but still.) How does this all fit-

Slade easily defeats the Titans, and mocks them for there incompetence. The Titans go back to there tower where Robin begins to feel sorry for himself, believing that he will never be a real hero. What? _Character conflict?! _The next morning the Titans get Robin and bring him to a "world premiere" of a Robin movie they made for him, complete with a cardboard limo and everything. _What? Something touching...no, that's not right. WHO ARE YOU AND WHAT HAVE YOU DONE WITH THE REAL TITANS!?

_ I do wanna touch on this. In this movie the Titans act very out of character from how they do in the show. But that is actually a good thing, cause the Titans in the series...are awful. In my previous Teen Titans Go! review I talk about how the original series Titans felt like a family, while it felt like the Go! versions just hated each other. But in this movie all the characters are way more likable. (Mostly, we'll get to that later.) And there feels like a real sense of connection between the characters. Sure there still goofy, and they make fun of each other, but they really do feel like a family. And this goes a LONG way with making me feel invested and actually rooting for our heroes to succeed in there goals.

Robin watches the film, but turns it off when the movie makes fun of his "baby hands" (A running "joke" from the series.) The other Titans try to get him to finish the film but he's uninterested. _Man, I'm sure that won't be brought up again. In the films climax when the characters are at their lowest point! _Robin is hard set on believing that he'll never be seen seriously as a hero, but the other Titans encourage him to buck up and head down to Warner Bros. and DEMAND that they make a movie about him. And they do so in song.

This seems like a good of a time as any to bring up that this movie is a musical. Possibly the first superhero musical? The song themselves, while nothing THAT amazing, are a step up from most of the songs in the series. i.e) They actually seem like they were written. (And that's not me being hyperbolic. A lot of the songs in Teen Titans Go! are made up on the spot! Look it up!) But what I really appreciate is how for several of the songs there is an art style shift, and that's really neat to see. Especially with a theatrical budget.

The Titans go down to Warner Bros and go up to Jade Wilson and demand for a film. But she turns them down, saying that she would only make a movie about them if they were the last heroes on Earth. And that's exactly what the Titans decide to do! They decide to use time travel to go back in time and undo all the other superheroes origin stories so they'll be the only superheros.

Yeah, this is the direction we're going. It's Spongebob: Sponge Out of Water all over again.

And they can't use there time machine from the series cause it's "broken." So Raven just magic ups some time tricycles. WHATS THE POINT OF THE TIME MACHINE EVEN BEING BROKEN THEN IF RAVEN CAN GET MAKE NEW ONES NO PROBLEM? They could of made some joke where they like, steal Booster Gold's time machine at least. You just wanted a dumb "Back to the Future" reference didn't you? DIDN'T YOU! And while playing "Take on Me" makes me forgive you A LITTLE BIT, this whole situation is still stupid.

In fact this whole "bit" is still stupid. And I say "bit" cause this whole time traveling section contributes nothing to the plot, and is only like, ten minutes long. The Titans go back in time to undo all the superhero's origins. (And end up murdering Aquaman as a child.) They come back to the present to see that villains have taken over the world. And then they go back and undo everything they already undid. (Including blowing up Krypton and frickin shoving Bruce Wayne's parents into Crime Alley as young Bruce watches!)

_That's his adoptive grandma he's watching get shot down... _ And I know you can say "Oh, it's comedy" or whatever, but this movie was actually doing a good job making me like the Titans. And maybe it's just because I've always had issues with the "main characters nonchalantly murder people" trope. But considering that this whole time travel thing literally adds nothing outside of stretching the film up _just _enough to reach ninety minuets, I can say it does nothing but hurt the film.

Also, Baby Superman gyrate his infant crotch while pointing at it, in this film aimed at children.

As someone who's defended the Powerpuff Girl reboot's twerking scene numerous time I suppose it be hypocritical to complain. So instead, I'm just going to list movies that have a lower rotten tomato score than Teen Titans Go to the Movies. For...unrelated reasons. Ahem

_Lilo and Stitch. The Kung-Fu Panda Trilogy. Princess and the Frog. Tangled. Frozen. Coraline. The Lego Batman Movie.... _

Anyway after all that, the Titans go off to try to stop Slade from committing another robbery. And this time the Titans are sure they'll beat him. We get an actually good fight scene and some Raven-Beast Boy ship tease that comes out of nowhere and contributes nothing. I know it's a thing from the show, but nothing in this movie setting it up. And it doesn't lead to anything. The Titans are able to get the "Mind Gem" that Slade stole earlier away from him and they put it in the Titans tower vault, but Slade still escapes.

But the next day, the Titans are suddenly seen as real heroes for stopping Slade's plan. They head back to the film set and are greeted with a much warmer welcome. Jade decides that she does want to make a Teen Titans movie after all, and Robin is ecstatic. However, the other Titans don't take the gig as seriously and all go goof off, getting Robin into hot water with Jade.

It all comes to a head when the other Titans see the Justice League building some kind of doomsday device, and assume that Jade is up to no good. Which is dumb because they have no reason to assume that it isn't just a prop for the film. But whatever. However, Jade reveals that this doomsday device is actually just a machine to launch there new streaming service. The device would broadcast DC films across all screens all over the word, with the Teen Titans movie being the first film they would release for the service.

You're telling me that Jades launching a DC superhero based streaming service, and the only thing it will have at launch is Teen Titans? Pfft! _That's totally ridiculous, and completely unrealistic..._DC Universe didn't have Titans at launch!

https://www.youtube.com/watch?v=RJF7k5cFQEQ

Jade gets angry and decides to fire the Titans. But says that she would be willing to make a solo Robin movie, since he didn't do anything wrong. Robin chooses to go with Jade and leave his friends behind. I admit, this is where the movie does start to become a bit predictable. You've seen this story arc before, the friends vs fame thing, and it goes exactly where you think it's gonna go. But I do like how there isn't a huge fight like you'd see in other movies. Both sides are upset that it's come to this, but clearly don't wanna hurt the other. Again, outside the earlier genocide of an entire planet, the Titans are pretty likable in this film.

Robin and Jade begin working on the film, and it ends up being everything Robin wanted. But he's still beginning to feel some regret. However, Jade convinces him to buckle through it and film the last scene. A reenactment of Robin putting Slade's mind gem in the Titans vault. But right as he's about to enter the code a stage light knocks him out. He awakens and decides to finish the scene anyway. Jade telling him to make the scene look authentic. And again, it's pretty obvious where this is going.

Robin puts in the code and the safe opens. Jade took Robin to the real tower while he was knocked out and reveals herself to be Slade in a Lupin III style latex mask! Okay, maybe that last part wasn't too predictable. But even ignoring the name JADE WILSON, It was telegraphed pretty obviously that Jade was evil since the scene where she made Robin chose fame over his friends.

But hey, it's still a better twist villain than Frozen.

Slade steals the mind gem and plans on using it in tandem with Robins film and the streaming service to mind control the entire planet to do his bidding. He handcuffs Robin to the tower walls and activates a series of bombs, leaves him to die. But Robin escapes thanks to his baby hands. A twist that is just as unexpected as it is stupid. The tower is destroyed but Robin survives, and realizes the error of his ways. He calls the other Titans and all is forgiven because they are a team.

The Titans now head to the film studio to stops Slade's plan, but they are unable to stop him before he uses Robin's movie to mind control the entire Justice League. Robin goes after Slade while the rest of the Titans have to face down the Justice League. There's a short action scene that could of been longer in my personal opinion. Then Raven just uses her OP magic powers to trap the entire Justice League in a portal.

**NOW YOUR THINKING WITH PORTALS! **That's..that's the meme, right? I-I haven't ever played_ Portal._

Robin confronts Slade, but Slade surrounds Robin with monitors all playing his movie. Robin becomes tempted to view his movie and gets mind controlled. In a nice (though juries still out of if it was intentional) callback to the original series, Slade commands Robin to attack his friends and he complies. But wait, remember that obvious Chekhov's gun from earlier in the film? It's time to pull the trigger! The Titans play the movie they made for Robin, but this time they get to the end where they all talk about how much Robin means to them as a leader. The power of friendship frees Robin from Slade's mind control.

But Slade has a mech now! This was not set up at all, but who cares at this point. _Mechs are cool damn it! _Slade once again mocks the Titans, asking how a team as goofy as them could possibly stop him now. But Robin and the rest of the team realize that they don't need to be "legitimized" or seen as "real heroes." They just need to stop the bad guy in there own way. We get a reprise of the rap song from the beginning as the Titans defeat Slade in their own silly way. They destroy the mind control device and the Justice League go back to normal. The movie ends with the Titans realizing that they truly are heroes and...wait a minute...something is off here. It's 2018...and this movie doesn't end with a dance party! Teen Titans Go!, the show that is known for random dance sequences, is actually one of the few modern films not to end with a dance party ending?! What the hell?

But we do get our post credits scene!

https://www.youtube.com/watch?v=F06HJTyB17c

Is this it? Is this the preview for Teen Titans Season 6?!

Not quite! Rather it's just setting up an upcoming "Teen Titans Go! vs Teen Titans" crossover, that's rumored to be heading direct to DVD with a new crew working behind it. You what that means right? It isn't over. My job isn't done yet. There's still more to talk about! THE RIDE NEVER ENDS, BABY! I'M GONNA KEEP TALKING ABOUT TEEN TITANS GO! UNTIL THE DAY I DIE!

https://www.youtube.com/watch?v=AwDIZT3XbjQ

While Teen Titans Go To The Movies didn't do that great at the box office, the film had a low enough budget to end up making a pretty substantial profit. Which is more than most DCEU films can say. I doubt we'll see the Titans on the big screen anytime soon, but it wasn't a bomb critically or financial. But what is my final verdict here?

The film in a lot of ways solves a lot of problems I had with the series. For one, the Titans are all a lot more likable, which goes a long way in helping me get invested. And while the show seems to conflate "conflict" with "serious" this film manages to have a plot and story while still keeping it's comedic tone the entire way through. More technical issues the show had like animation and reusing voice actors are near non-existent here. And the film manages to do what I think episodes like "The Return of Slade" tried and failed to do. It celebrates it's own silliness and imperfections, but does it in a way that isn't just "attacking the haters." Like I said, Teen Titans Go! is best when it's meta. But the film has it's problems too. The plot points at times can be kinda predictable. There are a lot of scenes that really don't add anything to the story beyond stalling for time. And there are a lot of points where the humor falls back into the same loud, juvenile, mean spirited jokes that the series is known for. Also, while Robin is my favorite of the Titans, I would of liked the other characters to have a larger role. For a film that's whole climax is hinged on the idea of a Robin solo film being a bad idea, but that's what the film can kinda feel like at time.

Overall, the film is about what I thought it would be. It's okay. It's up there with the best of the episodes of the show, but not really going that far beyond it. (In fact, I'd say their are a few episodes from the main series that are better than this film.) It's good, but I wouldn't call it 91% on rotten tomatoes good. If you like Teen Titans Go! you'll like this movie if you're willing to put up with a little more drama. If you hate Teen Titans Go! you'll like the movie if you are able to just turn your brain off and put up with some more childish jokes here and there. And if you can't do either of those things...watch Lego Batman. It's better than this film anyway, regardless of what rotten tomato says, and has a similar vibe about it.

And with that, I can finally put Teen Titans Go! to rest**. For now! **What did you think of the movie? Was it "You're new favorite film?" or was it just as bad as the many people said it would be? I'd love to hear your thought in the comments down bellow. Fav, follow, or comment if you liked my review or have a suggestion on what I should talk about next. And tune in next week as deviantcember continues! Have a great day.

(I do not own any of the images or videos in this review all credit goes to there original owners.)

https://www.deviantart.com/joyofcrimeart/journal/Teen-Titans-Go-To-The-Movies-REVIEW-774742614 DA Link

#Teen Titans Go To The Movies #DC Universe #Teen Titans #Teen Titans Go #review

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losbella · 4 years ago

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theliberaltony · 5 years ago

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via Politics – FiveThirtyEight

Welcome to FiveThirtyEight’s weekly politics chat. The transcript below has been lightly edited.

sarahf (Sarah Frostenson, politics editor): Today is Super Tuesday! The Super Bowl of primary elections — more than one-third of all pledged delegates will have been awarded after everything is said and done.

But it appears we might be in for a bit more chaos and uncertainty than we’d budgeted for after Joe Biden’s big win in South Carolina. Both Pete Buttigieg and Amy Klobuchar have dropped out of the race, and first Klobuchar and then Buttigieg made it known they will endorse Biden.

Where does this leave us going into things?

ameliatd (Amelia Thomson-DeVeaux, senior writer): Before we begin, I feel like we should pause and think of the sad early voters who already cast their ballots for Buttigieg and Klobuchar.

micah (Micah Cohen, managing editor): Early voting isn’t for the faint of heart.

ameliatd: You have to be ready for some

geoffrey.skelley (Geoffrey Skelley, elections analyst): Based on our state polling averages, we’re talking about roughly 10 to 15 percent of voters in most of these Super Tuesday states who previously were with Buttigieg and Klobuchar.

That’s a sizable chunk of the electorate that now moves to Biden, Michael Bloomberg, Bernie Sanders and Elizabeth Warren in some order. My guess would be for ideological reasons that Biden stands to gain the most, especially coming off his South Carolina win, but it’s also true that Warren’s support overlaps a lot with Klobuchar and Buttigieg’s base of well-educated and affluent voters.

ameliatd: In terms of the Super Tuesday delegate math, though, fewer candidates is bad for Sanders — especially in California, which is where I’ve been focusing for the last week. Sanders is leading in California polls and is almost certainly going to get more than 15 percent of the vote statewide and in all 53 congressional districts. When the field was more crowded, it looked like he might be cruising toward a huge delegate haul, as candidates like Klobuchar and Buttigieg would probably split the rest of the votes and prevent others from cracking 15 percent. Without them in the race, Warren, Biden and Bloomberg all stand to take more delegates.

Now, it’s true that Biden/Warren/Bloomberg all have a better shot of getting delegates in California than in other states where they’re flirting with the 15 percent threshold (Warren and Bloomberg in particular), but I have to guess that many would-be Buttigieg/Klobuchar voters will lean toward Biden as a strategic not-Sanders choice. Maybe even some Warren/Bloomberg folks will go that way!

Meanwhile, about 22 percent of the California Democrats have returned their mail-in ballots, but that’s actually low compared to previous primaries. It seems like people were waiting to make their decision, and they might be swayed by the sense that this has become a two-person race. This is purely anecdotal, but I talked to several California voters over the weekend who were going to vote for Warren but switched to Biden after his win in South Carolina. Of course, I don’t know how widespread that sentiment is, but it was pretty striking to hear it from multiple voters at a fairly sparsely populated early voting location.

sarahf: It’s really unclear to me who benefits at this point.

Obviously, there’s a strong argument to be made for Biden. These are candidates dropping out from his “moderate lane,” and in theory, a good chunk of Klobuchar’s support should go to him. But as Nate wrote last night after Buttigieg dropped out, their support will also kinda sorta benefit everyone?

Like Sanders will likely still pick up some of this support from the sheer fact that he is currently the most popular Democrat in the field.

ameliatd: But in the places where Sanders is already comfortably clearing 15 percent, having a few new supporters doesn’t benefit him as much.

It’s all about the delegates!

sarahf: That’s a good point, Amelia. There also seems to be some pretty strong evidence that “the party is deciding,” even if it’s at the last possible minute. (In case you missed it, former Sen. Harry Reid also endorsed Biden on Monday.)

geoffrey.skelley: Yeah, I’ve been tracking the rate at which Democratic officeholders have endorsed this year, and it’s been at a slightly slower rate than Republicans in 2016. So the party really wasn’t deciding.

But we’ve now seen a number of congressional endorsements for Biden pop up here in the scramble before Super Tuesday, so that does suggest there’s a rally-around-Biden effect happening as the anti-Sanders standard bearer.

micah: If they all flock to Biden en masse, that would also be one of the more effective ways to influence the primary — rather than endorsing him in drips. At least, that would be my guess.

ameliatd: The fact that it’s happening all at once does make the endorsements feel much more overwhelming and decisive, which could have a bigger impact on voters than a slow dribble of endorsements they may not even hear about.

sarahf: These last-minute endorsements definitely have a lot of upswing for Biden, but couldn’t it also maybe motivate some of Sanders’s base who aren’t your typical primary voters?

ameliatd: I am really, really curious to see if Sanders’s big investment in ground game/voter turnout pays off. He’s got an extremely impressive operation in California.

But the less-frequent voters he’s targeting actually have to show up. On the other hand, another thing I am wondering about: How much will Biden’s lack of a real campaign infrastructure/ground game hurt him on Super Tuesday? He has basically no presence in California and a lot of other states, too.

geoffrey.skelley: Eh, there’s not much evidence that Sanders is bringing out atypical primary voters. So far Sanders has succeeded by broadening his appeal — especially among nonwhite voters — not by expanding his base.

So I guess we’ll see if that changes.

But it is possible, as Amelia says, that Biden won’t be in as good a position to capitalize on his big moment coming out of South Carolina because of resource shortages. He doesn’t have much of an on-the-ground footprint.

ameliatd: I’d argue, though, Geoffrey, that we haven’t really seen a test of Sanders’s ground game in a big, diverse state where he’s invested a lot of resources (like California!). It could still be a flop — but I think it’s too early to write off his turnout efforts.

sarahf: Yeah, Geoffrey, you’re not wrong that so far Sanders’s turnout bet hasn’t really yielded any results, but I could see all of this firing up his base.

ameliatd: Right, especially if they feel like the Democratic establishment is closing ranks to keep Sanders out.

micah: They already feel that way!

ameliatd: I think this could seem like all of their fears realized though!

geoffrey.skelley: Well, it would certainly confirm what they already believe.

micah: Though, there’s nothing really shady about what the party is doing. It’s how our democracy works. And I think we’re very close to being able to say that “the party” has decided — whether voters care is another story.

geoffrey.skelley: Any rallying against Sanders is shady, Micah. Ipso facto. At least according to my Twitter timeline.

sarahf: It’s not shady, but I think it can be spun effectively if you’re Sanders.

ameliatd: To be fair, I’m not sure how many Sanders supporters are on the sidelines in California. Sanders fans here are so excited about his impending win. But this might be the moment that they try to convince, say, their Warren-supporting friends that the progressive candidates are under attack, and it’s time to throw their weight behind Sanders because he could actually win.

sarahf: That’s a good point, Amelia — I wonder if instead of Warren benefitting much from Klobuchar and Buttigieg dropping out, it instead hurts her because of this idea that there is now only really two choices

And so if you’re progressive, you better vote Sanders.

micah: That seems very plausible to me.

Lots of “Bernie vs. Biden” headlines.

geoffrey.skelley: Yeah, excellent point. It does seem as if Warren could benefit quite a bit from Buttigieg and Klobuchar departing in at least some of these Super Tuesday states. Their vote shares in our model are pretty highly correlated from district to district. But they also correlate quite a bit with Sanders’s in a place like Texas.

sarahf: How confident should we feel in the polling picture?

micah: Not at all confident!

geoffrey.skelley: We’ve barely got any post-South Carolina polls, and no survey data post-Buttigieg dropout or post-Klobuchar dropout. So the race is in flux. The one national survey we have that is entirely post-South Carolina is from Morning Consult, and it found Biden surging back to within 3 points of Sanders, a marked shift from his 13-point deficit before South Carolina.

sarahf: Well, so I think we can be somewhat confident in the BIG toplines. This is from Nathaniel Rakich’s election update on Sunday, which factored in the South Carolina results and some new polls.

Biden now leads in most southern Super Tuesday states

The percent chance each Democratic presidential candidate has of winning each contest on Super Tuesday, according to the FiveThirtyEight primary forecast as of 11:10 a.m. Eastern on March 1

Contest Biden Bloomberg Buttigieg Klobuchar Sanders Warren Calif. 7% 0% 0% 0% 91% 1% Texas 48 3 0 0 49 0 N.C. 77 5 0 0 18 0 Va. 48 10 0 0 41 0 Mass. 4 2 2 0 63 30 Minn. 2 0 0 56 40 2 Colo. 6 2 1 0 85 6 Tenn. 61 10 1 0 26 2 Ala. 79 9 0 0 11 0 Okla. 45 27 1 0 25 1 Ark. 39 24 6 0 30 1 Utah 0 4 3 0 87 6 Maine 11 9 6 0 67 6 Vt. 0 0 0 0 99 0 A.S. 32 20 4 2 35 8

And as you can see, it’s really only a two-person race now.

Now some of those margins may be in debate. Is Texas really that close? Does Sanders really have that wide of a margin in California?

But I don’t think we’re flying entirely blind, although obviously, quite impaired.

micah: So, there are just way too many wild cards to be at all sure the current polling picture is accurate …

As we’ve discussed, Buttigieg and Klobuchar dropped out — where do their voters go?

How do voters react to Biden’s South Carolina win?

Michael Bloomberg?

We can make educated guesses about where Buttigieg and Klobuchar’s supporters will go, and maybe that Morning Consult poll is accurate, but there’s just so much uncertainty. In addition, as Geoffrey said, we have only a little bit of data on how where Bloomberg stands in the wake of his first two debates and Biden’s South Carolina win.

ameliatd: I’ll be really curious to see what happens in Klobuchar’s home state of Minnesota.

geoffrey.skelley: Yeah, I was wondering about the Land of 10,000 Lakes.

sarahf: There are a lot of wild cards — but I’m still not sure how much the topline has changed. Neither Buttigieg or Klobuchar had a real path to the nomination, and I’m not sure them dropping out now does enough to put Biden over the edge.

micah: They didn’t have a path to the nomination but they had a meaningful share of the vote!

sarahf: I’ll give you some on Buttigieg, Micah, but outside of Minnesota, I strongly disagree with you on Klobuchar.

micah: Buttigieg had about 10 percent in our national polling average. Klobuchar had 5 percent.

So that’s 15 points available to someone.

Or to multiple people.

sarahf: But they were both really struggling to crack 15 percent statewide, not to mention in a number of districts.

micah: But how many states on Tuesday will be decided by less than 15 points?

geoffrey.skelley: If the goal of many Democrats is to halt Sanders, it might have made more strategic sense for Klobuchar to stay in through Super Tuesday because she might have won her home state or come in a close second to Sanders there. She’d certainly have done better than Biden.

However, it’s possible Biden now has a better shot to break 15 percent there and win his own delegates. Then again, she probably didn’t want to lose her home state, so maybe the Biden campaign had little say in the timing. The Klobuchar campaign would deny that — they revealed that their last internal poll had Klobuchar up quite a bit over Sanders, but internals usually show favorable numbers, so a few grains of salt are needed. In our forecast, Sanders is now a favorite to win Minnesota with a 2 in 3 shot. That’s not out of range of someone else winning, but before Klobuchar dropped out, she and Sanders were running neck and neck. Klobuchar’s exit could help Sanders add another win to his Super Tuesday tally.

ameliatd: The margins are also important! In a state like California with hundreds of delegates, it makes a big difference if Biden can claw more delegates away from Sanders. And he’s more likely to do that with Buttigieg and Klobuchar out of the race. Or maybe she just wanted to upstage Buttigieg by endorsing Biden first! What will we do now that their cutthroat Midwestern energy is out of the race?

Also, a couple striking demographic things to note, courtesy of these dropouts — there are now only two women left in the race going into Super Tuesday. And the top four candidates (sorry, Gabbard) are 70 and older.

micah: I mean, again, apologies to Gabbard, but it’s really just Warren left.

sarahf: So here’s something to chew on about our assumption that Buttigieg and Klobuchar dropping out mainly helps Biden.

Both Klobuchar and Buttigieg were doing well among white, college-educated voters — which is not Biden’s strong suit — if anything maybe Warren will stand to benefit a little here?

micah: Either Warren or Sanders could pick up a lot of Buttigieg and Klobuchar’s support — I wouldn’t assume that the lion’s share of it goes to Biden.

Sanders is super popular among Democratic voters. And as the front-runner, you’d expect him to pick up a bit.

ameliatd: Here’s the thing, though. So many Democratic voters are playing a complicated strategy game in their heads when they’re choosing who to vote for, which makes it harder for me to predict where Klobuchar and Buttigieg’s supporters will go.

geoffrey.skelley: But for Sanders, of the remaining candidates or those just dropped out, Warren is probably the candidate with the largest share of Sanders second-choice voters. So my guess would be that Buttigieg and Klobuchar are more likely to disproportionately benefit Biden than Sanders.

sarahf: Are their dropouts a bigger wild card than the South Carolina result being so good for Biden? (Remember, Biden won 49 percent of the vote, which was 8 points more than what we projected.)

geoffrey.skelley: That is tough to say. Klobuchar was a non-factor most everywhere save Minnesota.

Buttigieg, maybe, you can argue was a bigger deal, but as we’ve said, him dropping out doesn’t solely help Biden, either.

ameliatd: Yeah, I think it’s hard to untangle. The decisive Biden victory made it seem much more like a two-person race — which upped the pressure on the other candidates to get out.

geoffrey.skelley: But Sanders probably wins Minnesota now, which might not have been the case before Klobuchar’s departure.

sarahf: But to Amelia’s point … it is kind of a two-person race now, right? Or are we perhaps not giving enough consideration to a last-minute Warren comeback?

geoffrey.skelley: Or Bloomberg!

He’s still here. But we have no idea how much of Biden’s bounce — should it materialize — might come from him. As my previews of North Carolina, Virginia and Texas showed, Biden and Bloomberg’s district-level vote share is highly correlated most everywhere.

So if one does a lot better than expected, that probably means the other is underperforming.

ameliatd: I am not holding my breath on Bloomberg.

micah: I honestly think Bloomberg is the biggest wild card.

sarahf: Woah

. Tell us more, Micah.

micah: Yeah, so to Geoff’s point above … If the polls are right (even though they’re so out of date, let’s just pretend for a second), then Bloomberg makes it much more difficult for Biden to rack up wins and delegates on Super Tuesday.

But if Bloomberg is doing worse than his polls — which I think a lot of people, including me, assume — then Biden should have a much better night.

ameliatd: Maybe I am being too influenced by my reporting in California, which is not one of Bloomberg’s better states right now. But his campaign just feels like all flash and no substance. It was genuinely hard to find ordinary people who were excited about him. Which makes me suspect that some of his supporters will peel off to Biden, now that Biden is looking stronger.

But it is totally possible that Bloomberg still keeps Biden from getting over the 15 percent threshold in some places, which shouldn’t be discounted.

geoffrey.skelley: Yeah, Amelia, I just don’t know what’s happening in underpolled states like Arkansas, Oklahoma and Tennessee. We view Bloomberg and Sanders as having about the same chance in those states and all within striking distance of Biden, who isn’t a sure bet to win them either.

sarahf: Yeah, the one thing on the Bloomberg wild card I find hard to buy is that most polls before South Carolina showed him in decline. So I’m not sure how you take what happened in South Carolina and build that as a moment for him.

geoffrey.skelley: Right, and when it comes to media coverage over the past couple days, it’s been all “Biden is trying to rally anti-Sanders Democrats” and “Biden’s South Carolina win propels him into two-man race with Sanders.” That sort of thing. So that can’t be good for Bloomberg.

micah: If Bloomberg does pull off a win, you would expect it to be in one of those Southern/Ozark states where: (i) he’s polling OK, (ii) you could probably win with ~22-25 percent of the vote because it’s being split relatively evenly among Biden, Sanders and Bloomberg, and (iii) candidates seem to be competing less there than in a state like California or Texas, so Bloomberg has the airwaves more to himself.

OK, I have another, more random wild card question, though …

Could the coronavirus scare affect voting?

ameliatd: In what way, Micah?

micah: IDK!

CORONAVIRUS!

geoffrey.skelley: You mean like lower turnout? I don’t think we’re quite at the hyper-concerned stage of that … yet.

ameliatd: Bring hand sanitizer to your polling place!

geoffrey.skelley: It’s a thing, but until there are many confirmed cases, I’d be surprised if we saw a noticeable downturn in turnout versus the states that voted already.

Though, really, only South Carolina and New Hampshire are helpful on that front because they’re primaries.

sarahf: On that note, I think we might have exhausted our possible wild cards! OK, as Micah said earlier there are too many wild cards to keep track of and our polling picture is hazy at best, but what do you see as the most important wild cards going into today?

geoffrey.skelley: Texas is the big story for me. The most recent polling there gives Sanders an edge, but it’s almost all pre-South Carolina and our model shows it’s basically a toss-up race between Sanders and Biden now.

ameliatd: I guess the biggest question mark for me at this point is whether Sanders’s much-vaunted campaign organization actually delivers higher turnout for him, especially from people who are more politically disengaged/less likely to vote. If he can run up his totals among Latino voters, say, that’s a big deal in states like California and Texas. But we don’t know if that will actually happen.

micah: I’m torn between “How well does Bloomberg do?” and “How much of a South Carolina bounce does Biden get?” as the biggest wild cards. Those are related, but we really don’t know the answer to either.

And the answers to those questions could make a huge difference in how Super Tuesday plays out — anywhere from “Sanders amasses a big — maybe insurmountable? — delegate lead” to “Biden and Sanders are neck-and-neck.”

#IFTTT #Politics – FiveThirtyEight #politics #538 #A FiveThirtyEight Chat

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samuelfields · 6 years ago

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The Average Credit Score In America Is Now Excellent

During my latest mortgage refinance, the loan officer said that he hadn’t worked with a borrower with under an 800 credit score in over two years.

I found this statement preposterous because I clearly remember during my previous refinancing that lenders would look for 720 credit scores or higher to provide the best terms.

The first time we talked, one of the questions the mortgage guy asked was whether I had over an 800 FICO score in order to get the mortgage interest rate he was quoting, a 10/1 ARM at 3% with -2.75 points towards closing.

“Umm, I think so,” I responded with the might of a baby koala.

If I had said “no,” it felt like I would be wasting his time.

After our conversation I did what any good personal finance blogger would have done. Research into the veracity of his boldness. I was surprised at what I found.

But first, let’s do a refresher on credit score fundamentals.

Credit Score Range And Fundamentals

Your credit score ranges between 300 – 850. Therefore, the average credit score should be somewhere around 575-600 if the scores are equally distributed. But they are not.

If your score is between a 300 – 579, you’re probably never going to get credit due to some type of non-payment you made in the past.

If your score is between 580-669, your rating is fair, but you’re still considered a subprime borrower. As a landlord who checks credit scores, I’ve seen doctors right out of medical school with scores in the low 600s due to massive debt and a short credit history.

It’s only after you get over 700 that are you considered an attractive borrower. In the past, the magic number was 720 or above. Today, it seems like the average number has shifted to 740 or above.

For more detail, take a look at the FICO score ranges by Experian, one of the big three credit agencies.

Factors That Affect Your Credit Score

We obviously want the highest credit score possible in order to get the lowest borrowing rate and the most amount of credit possible.

You also need at minimum a 580 FICO score to get an FHA loan with the ability to put down only 3.5%. If you have under a 580 FICO score, you need to put down 10%. The more down the better I say.

The FHA government program seems irresponsible to require so little down.

Here are all the factors that affect your credit score.

Payment history for loans and credit cards, including the number and severity of late payments

Credit utilization rate

Type, number and age of credit accounts

Total debt

Public records such as a bankruptcy

How many new credit accounts you’ve recently opened

Number of inquiries for your credit report

The most important factors in your FICO score are your payment history on loans and credit cards, total debt, and the length of credit history.

Not considered in your FICO score analysis is your race, color, religion, national origin, sex or marital status, salary or occupation, or where you live. It’s the same law when you are deciding on a prospective tenant.

The Average Credit Score Over Time

Now that we know some credit score fundamentals, take a look at the average credit score over time according to Fair Isaac Corporation (FICO).

Are you impressed with your credit score improvement or what? While the chart makes the improvement appear like a San Francisco historical home price chart, in actuality, there’s only been a 2.6% increase since the bottom in 2009 (686 to 704).

Either way, I’m impressed the average American now has a 704 FICO credit score. Not only have we all gotten much wealthier since the financial crisis, but we’ve also gotten financially more responsible.

The trend is our friend!

Since the financial crisis, banks have become very picky about whom to lend to. For example, I was rejected for a refinance back in 2015 because I didn’t have two years of 1099 (freelance income) history despite having a large number of assets.

Even today, despite showing 3X more assets than the amount I’m trying to refinance, my relationship bank is being extremely thorough.

For example, even though I paid off one of my properties in 2015 in which they were the lender, I still have to prove to them the property was paid off by sending the latest insurance policy statement.

Overall, I’ve sent my bank over 30 documents already and counting.

A Real Estate Correction Won’t Be As Bad

With stronger lending standards, low mortgage rates, and a large increase in home equity since 2009, it’s hard to envision another real estate correction similar in magnitude to the one that occurred between 2007-2010.

Think about it.

Let’s say you put down $200,000 on a $1,000,000 home in 2012. You locked in a 10/1 ARM at 3.25%. Since then, your property has appreciated to $1,500,000. Meaning you’ve got at least $700,000 in equity if you didn’t take out a HELOC and spend it.

Further, your income has increased from $170,000 to $215,000 and your liquid net worth and pre-tax investments have increased from $250,000 – $500,000.

Even if your $1,500,000 home has declined by 30%, it’s still worth $1,050,000, or $50,000 more than what you bought it for. You’re certainly not going to suddenly stop paying your mortgage and allow the bank to confiscate your remaining $250,000+ in equity with a foreclosure.

New buyers could get smashed if there’s a correction and they need to sell. But the new buyers today are more creditworthy than the buyers of the past. There won’t be a cascade of foreclosures like before.

A Good Credit Score After All

I was worried that I was telling an untruth when my mortgage guy asked for my credit score. I really didn’t know for sure since the last time I checked was in 2015 during the failed refinance. I just assumed it would stay about 800.

It looks like I was truthful. Here’s my latest credit score of 804 according to Equifax.

What I find interesting about this latest credit score is that it actually went down one point since 2013 when I first wrote about joining the 800 club. There is no secret handshake. But there is a peace of mind you’re always going to get the best terms with lenders.

Perhaps the credit score decline has to do with me paying off my rental condo in 2015 and paying off $815,000 of mortgage debt in 2017 after I sold my rental home. Hard to say because like a Lannister, I always pay my debts.

The other interesting thing about this report is that it says the scores range from a low of 334 to a high of 818, instead of a range of between 300 – 850. Maybe when my credit score was pulled, that was the range at that particular time.

Finally, even though I got an 804, it still only ranks higher than 86 percent of U.S. consumers. This is a very bullish indicator for the economy and the real estate industry. I thought a 804 would be at least in the top 5%.

If someone like myself who is in his early 40s, always pays his bills on time, writes about personal finance 3X-4X a week, and has seen a healthy increase in net worth since 2009, yet is still outranked by 14% of Americans, then surely America as a whole is doing well.

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

Readers, I’m curious to know what your latest credit score is? When did you last check? Do you agree with me that the trend towards higher credit scores is a good sign for the U.S. economy?

The post The Average Credit Score In America Is Now Excellent appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/the-average-credit-score-in-america-is-now-excellent/ via http://www.rssmix.com/

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itsfinancethings · 5 years ago

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We’re in the endgame now. Tonight, seven Democrats will face off in Charleston for the last Democratic debate of February, just a few days before the South Carolina primary. Crucially, it will also be the final debate before Super Tuesday on March 3, when more than a third of all delegates for the Democratic National Convention will be decided.

So far, 2020 has been Vermont Sen. Bernie Sanders’ year. The self-described democratic socialist swept the Nevada caucuses on Feb. 22, winning 24 pledged delegates with 46.8% of the vote. Former Vice President Joe Biden came in second with 20.2%, winning nine delegates, and former South Bend, Ind., Mayor Pete Buttigieg came third with 14.3%, winning three delegates. Sanders has done well throughout the primary; he came neck-and-neck with Buttigieg in Iowa — Buttigieg gained 13 delegates to Sanders’ 12 — and won the New Hampshire primary with 25.7% of the vote (Buttigieg came in a close second with 24.4%.)

Sanders’ sweep in Nevada exhibited his strength with non-white voters, particularly Latinos, and South Carolina will be a crucial test for his campaign. Biden has many of the states’ key endorsement and, as of Tuesday, RealClearPolitics’ polling average has him polling at 30.3% in the state to Sanders’ 22.3%. Two-thirds of likely voters for the Democratic primary in the state are African American, and Biden has polled well with throughout the primary and won the demographic in Nevada. But South Carolina might not be as safely Biden’s at pundits once thought. Billionaire executive Tom Steyer has also heavily invested in South Carolina, and Sanders came in second among black voters in Nevada, with 28 to Biden’s 38%.

Before South Carolinians head to the polls, the candidates will make their case tonight. The Democratic primary debate will be co-hosted by CBS News and the Congressional Black Caucus Institute in Charleston, and air live on CBS stations from 8 to 10 p.m. EST. It will also stream live on CBSN, Twitter, Facebook and YouTube.

Biden, former New York City Mayor Michael Bloomberg, Buttigieg, Minnesota Sen. Amy Klobuchar, Steyer, Sanders and Massachusetts Sen. Elizabeth Warren all will appeared on stage. Steyer returns after not appearing in the Nevada debate.

CBS Evening News anchor Norah O’Donnell and CBS This Morning host Gayle King will moderate the debate. Face The Nation moderator Margaret Brennan, CBS News chief Washington correspondent Major Garrett and 60 Minutes correspondent Bill Whitaker will also ask questions.

To qualify for the debate, candidates had to either:

Be allocated at least one pledged delegate from previous contests.

Receive at least 10% in at least four DNC-approved polls or 12% in two polls from South Carolina.

Before the Nevada Democratic debate, candidates also had to meet a donor threshold, blocking out former New York City Mayor Michael Bloomberg, who has pledged to self-fund his campaign. But beginning with the ninth debate the DNC announced it would no longer require certain donor numbers, paving the way for the billionaire to qualify.

Tonight could be one of the most crucial debates of the primary. “In general, debates do not matter much in determining how someone votes. They usually just reinforce the beliefs one already has about a candidate,” Kendra Stewart, a professor of political science at the College of Charleston, writes TIME in an email. “However, with still so many undecided voters in South Carolina, this debate could have a tremendous impact on Saturday’s primary.”

It could also impact some crucial endorsements by members of the Black Caucus, particularly Congressman Jim Clyburn, who The Post and Courier reports is still deciding between multiple candidates.

Follow along for live updates of the South Carolina debate.

Bernie Sanders will take the debate stage as the front runner

If candidates have any hope of stopping Sanders, they need to do it now. Although less than 3% of pledged delegates have been allocated, the Vermont senator’s momentum is clear. If he sweeps Super Tuesday on March 3, he could effectively run away with the nomination.

So expect him to take a beating tonight. Most candidates will likely raise questions about electability, arguing his policies are too progressive to defeat Trump. The influential Rep. Clyburn has already voiced this concern.

“Until now, I think some have been hesitant to get into clashes with Sanders, especially since his supporters can be very defensive,” Hans Noel, a professor of political science at Georgetown University writes TIME in an email. “But they can’t beat him if they ignore him.”

Sanders will also likely go after Biden, who stands in his way of winning the Palmetto State. Kendra Stewart of the College of Charleston predicts that the former Vice President’s history on civil rights issues might be raised again, such as his opposition to federally mandated de-segregation busing in the 1970s.

Stewart adds that economic issues are particularly important to South Carolina African American, and topics such as fair wages, housing accessibility and income inequality could all come up. These could be chances for Sanders to make his case for democratic socialism. “The goal for each candidate tonight is to establish themselves as someone who appeals to and can mobilize black voters,” she explains.

Tom Steyer has invested heavily in South Carolina, arguing that he is that mobilizing candidate. He qualified with the debate by polling above 12% in two South Carolina polls, and received the endorsement of the Black Women’s Caucus of South Carolina. His surge could spell good news for Sanders and bad news for Biden; it’s possible he could split the moderate vote, allowing to Sanders to win with a coalition of progressives.

But Steyer isn’t the only moderate billionaire on stage giving Biden a headache.

Michael Bloomberg will make his second debate appearance

Bloomberg made his debate debut last week, and it did not go well for the former New York City mayor. In Nevada the billionaire faced repeated attacks from his fellow candidates, particularly Warren. For months, the senator has argued that his candidacy exemplifies the corrupting power money has in politics, and she stressed this message while on stage.

During the debate, Warren also asked the former mayor to waive any NDAs that previous employees had signed after filing complaints against the him; Bloomberg said he wouldn’t because they were “agreements between two parties that wanted to keep it quiet.”

But on Friday he changed his tune, announcing his company would work with three women to release them from nondisclosure agreements that they signed. Warren and Biden responded that he did not go far enough, and demanded that Bloomberg issue a blanket statement releasing all current or former employees from their NDAs. The topic could come up again tonight, as it proved an effective talking point for both Warren and Biden.

While the topic of race will obviously be important, the “field also no features no black candidates,” Noel explains. “So the history of each candidate with those issues will be on display.”

Bloomberg’s checkered history with on civil rights issues will almost definitely also come up, especially his role in the controversial New York Police Department program known as “stop and frisk,” which he was linked to as mayor of the city between 2002 and 2013. The program gave police the power to stop, shortly detain, and search anyone they thought would commit a crime. Critics have argued the program amounted to racial profiling; black and Latino communities were disproportionately affected and a federal judge ruled in 2013 that the policy violated the constitution. In addition, no evidence has suggested it lead to lower crime rates. In November, shortly before he announced his candidacy, Bloomberg apologized for the program.

If Bloomberg has properly prepared for this debate, he’ll have answers ready on those topics.

#IFTTT #Blogger

0 notes

hellofastestnewsfan · 5 years ago

Link

Sanders’ sweep in Nevada exhibited his strength with non-white voters, particularly Latinos, and South Carolina will be a crucial test for his campaign. Biden has many of the states’ key endorsement and, as of Tuesday, RealClearPolitics’ polling average has him polling at 30.3% in the state to Sanders’ 22.3%. Two-thirds of likely voters for the Democratic primary in the state are African American, and Biden has polled well with throughout the primary and won the demographic in Nevada. But South Carolina might not be as safely Biden’s as pundits once thought. Billionaire executive Tom Steyer has also heavily invested in South Carolina, and Sanders came in second among black voters in Nevada, with 28 to Biden’s 38%.

Biden, former New York City Mayor Michael Bloomberg, Buttigieg, Minnesota Sen. Amy Klobuchar, Steyer, Sanders and Massachusetts Sen. Elizabeth Warren will all appear on stage. Steyer returns after not qualifying for the Nevada debate.

To qualify for the debate, candidates had to either:

Be allocated at least one pledged delegate from previous contests.

Receive at least 10% in at least four DNC-approved polls or 12% in two polls from South Carolina.

Before the Nevada Democratic debate, candidates also had to meet a donor threshold, blocking former New York City Mayor Michael Bloomberg, who has pledged to self-fund his campaign. But beginning with the ninth debate the DNC announced it would no longer require certain donor numbers, paving the way for the billionaire to qualify.

It could also impact some crucial endorsements by members of the Black Caucus, particularly Congressman Jim Clyburn, who The Post and Courier reports is still deciding between multiple candidates.

Follow along for live updates of the South Carolina debate.

Bernie Sanders will take the debate stage as the front runner

Sanders will also likely go after Biden, who stands in his way of winning the Palmetto State. Kendra Stewart of the College of Charleston predicts that the former Vice President’s history on civil rights issues might get raised again, such as his opposition to federally mandated de-segregation busing in the 1970s.

Tom Steyer has invested heavily in South Carolina, arguing that he’s that mobilizing candidate. He qualified for the debate by polling above 12% in two South Carolina polls, and received the endorsement of the Black Women’s Caucus of South Carolina. His surge could spell good news for Sanders and bad news for Biden; it’s possible he could split the moderate vote, allowing Sanders to win with a coalition of progressives.

But Steyer isn’t the only moderate billionaire on stage giving Biden a headache.

Michael Bloomberg will make his second debate appearance

Bloomberg made his debate debut last week, and it did not go well for the former New York City mayor. In Nevada, the billionaire faced repeated attacks from his fellow candidates, particularly Warren. For months, the senator has argued that his candidacy exemplifies the corrupting power money has in politics, and she stressed this message while on stage.

During the debate, Warren also asked the former mayor to waive any NDAs that previous employees had signed after filing complaints against him; Bloomberg said he wouldn’t because they were “agreements between two parties that wanted to keep it quiet.”

While the topic of race will obviously be important, the “field also features no black candidates,” Noel explains. “So the history of each candidate with those issues will be on display.”

Bloomberg’s checkered history on civil rights issues will almost definitely also come up, especially his role in the controversial New York Police Department program known as “stop and frisk,” which he was linked to as mayor of the city between 2002 and 2013. The program gave police the power to stop, shortly detain, and search anyone they thought would commit a crime. Critics have argued the program amounted to racial profiling; black and Latino communities were disproportionately affected and a federal judge ruled in 2013 that the policy violated the constitution. In addition, no evidence has suggested it lead to lower crime rates. In November, shortly before he announced his candidacy, Bloomberg apologized for the program.

If Bloomberg has properly prepared for this debate, he’ll have answers ready on those topics.

from TIME https://ift.tt/2VkF3nE

#Blogger

0 notes

newstechreviews · 5 years ago

Link

Sanders’ sweep in Nevada exhibited his strength with non-white voters, particularly Latinos, and South Carolina will be a crucial test for his campaign. Biden has many of the states’ key endorsement and, as of Tuesday, RealClearPolitics’ polling average has him polling at 30.3% in the state to Sanders’ 22.3%. Two-thirds of likely voters for the Democratic primary in the state are African American, and Biden has polled well with throughout the primary and won the demographic in Nevada. But South Carolina might be as safely Biden’s at pundits once thought. Steyer has also heavily invested in South Carolina, and Sanders came in second among black voters in Nevada, with 28 to Biden’s 38%.

Former Vice President Joe Biden, former New York City Mayor Michael Bloomberg, former South Bend, Ind., Mayor Pete Buttigieg, Minnesota Sen. Amy Klobuchar, billionaire executive Tom Steyer, Vermont Sen. Bernie Sanders and Massachusetts Sen. Elizabeth Warren also appeared on stage. Steyer did not appear in the last debate.

To qualify for the debate, candidates had to either:

Be allocated at least one pledged delegate from previous contests.

Receive at least 10% in at least four DNC-approved polls or 12% in two polls from South Carolina.

It could also impact some crucial endorsements by members of the Black Caucus, particularly Congressman Jim Clyburn, who The Post and Courier reports is still deciding between multiple candidates.

Follow along for live updates of the South Carolina debate.

Bernie Sanders will take the debate stage as the front runner

But Steyer isn’t the only moderate billionaire on stage giving Biden a headache.

Michael Bloomberg will make his second debate appearance

While the topic of race will obviously be important, the “field also no features no black candidates,” Noel explains. “So the history of each candidate with those issues will be on display.”

If Bloomberg has properly prepared for this debate, he’ll have answers ready on those topics.

#Blogger

0 notes

torixus · 6 years ago

Text

President Buhari surrenders campaigns to Tinubu to face governance

AHEAD of the February 16 presidential election, President Muhammadu Buhari, Monday, announced that he has handed over campaign activities to the national leader of the party, and Campaign Council co-chairman, Asiwaju Bola Tinubu, while he concentrates on governance.

President Buhari who stated this while inaugurating the All Progressives Congress, APC Presidential Campaign Council in Abuja, said that since his government came on board, the economy has become a prudently managed enterprise, while the nation’s resources have kick-started for the good of the country. The President said that he had warned security agencies not to intimidate voters, saying that the election must be free and fair. He appealed to members of the campaign team to resist being provoked and remain focused and civil in their campaigns, urging them to engage the citizens on issues and ask for reflection on the comparative difference between 2015 and 2019 on security, economy and corruption and abuse by those entrusted with leadership in Nigeria. The President who is Chairman of the Campaign Council, expressed appreciation to the party members for the privilege of being unanimously nominated to run as its candidate, unopposed, for a second term of office as the president of the country. Besides, he thanked “our hard working, long-suffering, yet resolutely committed fellow citizens, for the continued investment of their trust in our own commitment and competence to redirect our country and its governance towards sustainable and wholesome development.” According to him, “Nigerians voted us into power in 2015 because they put trust and confidence that we will make a great difference. We are now building on the experience of our successful outing in the 2015 elections. It is my hope that this wonderful team put together will anchor our campaigns to lead our party and its candidates to victory in the general elections in a few weeks’ time. “A victory for us as a party is a victory for all well-meaning Nigerians, who are committed to change from an inglorious past; where those in positions of public trust willfully took for themselves what belongs to us all; where the security of our citizens was second place to their acquisition of unwholesome wealth; where our economic growth was sacrificed for the fleeting ease of import dependency. “We have in the last 3 years and 6 months reversed this downward slide that the PDP took us in its 16 years of misrule. We have restored the territorial integrity of our nation, thanks to our gallant men and women of our armed forces. We are systematically engaged in all the remaining corridors of insurgency, kidnappings, robberies, herdsmen and farmers clashes. “We have reset our national values: corruption is no longer condoned and is no longer seen as normal for public office holders. The agencies of government are no longer equivocal in dealing with anyone who flouts our laws. “The high and low are receiving jail terms, loots are being recovered, and Nigerians are increasingly displaying the timeless values of honesty, honour and decency. I congratulate us all for making these changes possible. “Our economy has become a prudently managed enterprise. Our resources are now working for us, as we ensure the delivery of key national infrastructure, which were left unattended over these past years. “The direct impact of our policies on improvements in roads, railways, and power supply are evident. There is greater evidence of economic diversification seen in growing local production of agricultural produce and solid minerals. “Our government has succeeded in the last four years in halting national drift, removing the shadow of insecurity and fear dominating our life and reviving our economy from decline to stability and growth. “The macroeconomic health of our economy, indicated by several measurable factors such as a stable exchange rate, lower inflation, growing foreign reserves, has been applauded by independent local and international rating agencies. “In addition, the quality of elections since 2015 has continued to improve with declining levels of problems that have defined elections in the past. Free, fair and credible elections are the foundation of political stability and peace in any nation. “We have insisted that votes must count and have maintained a policy of non-interference in elections. INEC has so far since 2015, conducted fair and credible elections in 195 constituencies nationwide, which have been attested nationwide to be qualitatively better than previous elections. “Let me reiterate my commitment to free and fair elections. If there is one legacy I want to leave is the enthronement of democracy as a system of government. And for democracy to be enthroned, elections must be free and fair. That means citizens have a right to vote for candidates of their choice without intimidation in any form. I have warned INEC and security agencies to that effect. “We will keep insisting that votes must count. Our campaigns will be anchored on our performance in the last four years. There is no doubt that our party has succeeded in taking Nigeria to a new level of enduring peace, economic growth political stability, justice and progress. This is the new level we are promising Nigerians, the details of which we will take to Nigerians as we embark on our campaigns. “As we begin campaign in earnest, I implore our leaders to resist being provoked, remain focused and civil in our campaigns. Let us engage our citizens on issues and ask for reflection on the comparative difference between 2015 and 2019 on security, economy and corruption and abuse by those entrusted with leadership in Nigeria. “As we embark on the campaign to secure mandate for the next level, I want to acknowledge the sacrifices and contributions of all stakeholders who have endeavored to keep our party united, and our governance successful. “I urge members of this formidable team to always keep their eyes on the ball, which is the success of our party at the polls. I wish to appeal to all members to be guided by the enduring vision behind the formation and sustenance of our party, which is anchored, on sacrifice and imperative to salvage and stabilize our great and promising nation. “I appeal to all our members, and especially those who are in the campaign council, to unite and cooperate and ensure a smooth operation. Needless to add, Directorates could co-opt on full or part-time basic persons who could add value to our campaign and help us to attain success. “To my mind, the division of responsibility is clear enough. The Leadership that has formulated the campaign policy will supervise its execution; the Director-General will have overall responsibility for all aspects of the campaign, including field operations; while the Secretary will be responsible for all administrative and treasury-related activities of the council. “Even though we have only 40 days, this campaign is going to tax us all, because we intend to touch all corners of our great and vast country. But I must also add that, though we will all be deeply involved, I would like to assure the nation that I will do my part without making governance or my work suffer. Asiwaju Bola Ahmed Tinubu, my co-chairman, will be fully in charge, and is going to be on 24-hour vigil. “That is to say, the operational buck of this campaign stops at his table, and I therefore urge all of us in the leadership of this campaign, in the field operations on the campaign trail and in the secretariat to consult with Asiwaju whenever guidance is needed.” Hr congratulated APC candidates contesting in the elections and political opponents as well as APC aspirants that lost out in the party’s primaries but accepted to work for the party. He said, “I urge all those with any remaining reservations, to recommit themselves to the central task of our victory in the elections and to the greater goal of uplifting this nation towards its manifest destiny. “Having waited for all the dust raised by the nomination exercise, and the carefully worked out reconciliation processes to ensure some measure of healing, we are better placed to put together an all-inclusive campaign council, that will effectively engage the entire voting public throughout the length and breadth of our federation, and deliver a resounding victory for us at the general elections. “This Presidential Campaign Council was constituted with a conscious determination to ensure inclusiveness and excellence, and is expected to conduct a campaign based on our modest achievements to turn around our beleaguered nation from insecurity, stagnation and massive abuse of scarce public resources.” Also speaking, Director-General of the Campaign Council, Rotimi Amaechi pleaded with party members to vote for APC, noting that the opposition Peoples Democratic Party, PDP was ‘very hungry and can’t withstand poverty’ as its slogan when he was in the party was ‘share the money’. He said the difference between the APC and PDP was that the former was fulfilling its promises to Nigerians, adding, “we can assure Nigerians, by the end of four years, it will be different from 16 years of PDP.” Vanguard NEWS via Blogger http://bit.ly/2QsNDLe

#Politics

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todaybharatnews · 6 years ago

Link

via Today Bharat nbsp; In an exclusive interview with TNM, Nizamabad MP Kavitha Kalvakuntla says TRS is confident of winning more than 100 seats in Telangana Assembly Elections. The female face of the TRS, a party which has a sub-par gender balance in its senior leadership, Kavitha Kalvakuntla has a distinct identity. She is seen as the key Delhi representative of the party, being a Member of Parliament and although Kavitha is not contesting herself in the upcoming Telangana Assembly elections, she is one of the frontline campaigners in key districts. It helps that she is the Chief Minister K Chandrasekhar Raorsquo;s daughter, but she also has competition from within her family ranks in her brother KT Rama Rao and her cousin T Harish Rao. TNM caught up with the Lok Sabha MP from Nizamabad at her residence in Hyderabad, during a short break from the hectic election schedule. In a candid, exclusive chat with TNM, she explains why the TRS is so confident of a clean-sweep in the state, and responds to critical and controversial questions with alacrity, and in some cases, tactful side-stepping. Here are excerpts from the interview. Telangana CM KCR says that the TRS will win more than 100 seats in the upcoming polls, what gives him this confidence? There has been no unrest in the state under our tenure, because we ensured that nobody sleeps hungry. After state formation, we were hit with two dry spells (drought), but our welfare schemes like pension and ration had ensured that there was no one was hungry. Earlier, there was a cap on ricemdash;20 kg rice was given to a family, but we increased the social safety net by providing six kg rice for each person and enhancing the pension from Rs 200 to Rs 1000. We have fulfilled the needs of the people and hence we are confident. TRS promised 1 lakh government jobs in the run up to the previous elections. But with only 33,000 filled in the last 4 years, even if many more have been sanctioned and notified, is it not slow progress? We have already sanctioned 1.07 lakh, but there is a delay only because of due process followed by the State Commission. We are strengthening the government departments in a constructive way. We have decided not to rely on private contractors. Out of the 1.07 lakh jobs, the government has notified 84,000 jobs. Anybody in the world knows that the recruitment has to be through due process. You must have seen students saying that the service commission is not doing things as fast as it can. But you wouldn't have seen any student saying that there was some graft for which we didn't jobs in a fair way. You must note that there have been no complaints that jobs are being handed out as favours or in return for bribes. We have also added private jobs by inviting close to 9,000 companies. Already 3.5 to 5 lakh people have taken private jobs. You promised free education from KG to PG ahead of the previous polls. Why has that not been achieved? When we came to power, we realised that the education system in the state is in shambles. We had to first rectify the basic problems. The administration of government schools is fragmented as a few schools fall under the village panchayat, some under the central government and many under the state government. We took one year to understand and integrate this. Now, we have started model schools from class 5 to 10. We have even plans to bring Anganwadi into the model schools. We have invested heavily on public schools. We are on the right track. Are farmers in the state happy with the TRS? Yes, absolutely. Then why is there such criticism on Rythu Bandhu? The poor tenant farmers, who actually need the help, are complaining that they are not receiving the benefits of the scheme, and it is the landowners who do, most of who are not even involved in tilling the land. Is it a policy problem or an implementation problem? There is no problem at all. Wersquo;ve been extremely correct. Can the government directly engage with the tenant? Now if you own a house, can the government tell the tenant that the government will give tax exemption etc. to him. Will you accept it? The scheme is for the small land owners and 98% of those who avail the scheme are small and marginal farmers with land less than 5 acres. The governmentrsquo;s decision is to support them, and the money is indeed reaching them. Then what about the poor tenant farmers? As a policy we took a decision that the government will not intervene in the private business. The government cannot keep identifying who is a tenant farmer. The money we give to the landowners will be passed on to the tenant farmers. Land is the private property of an individual, we canrsquo;t intervene in their private business. CM KCR has recently received flak for stating that there are no farmer suicides in the state. Opposition puts the number of suicides at 4000 and above. According to NCRB data, there were 1358 farmer suicides in 2015 and 632 in 2016. Are you trying to whitewash the issue? There is no such attempt. Like other state governments we donrsquo;t fudge the data. Prior to 2014, there has been more than 3,500 farmer suicides every year. There were 1,000 suicides as you said. You have to look at the positive side, it has gone down from 1,000 to 500. If you look at the subsequent year data, Irsquo;m sure it must have come to zero. But you do agree that there were farmer suicides in the state I can only say that you should look up to the latest data. You are giving me a figure which is two years back. In these two years, we were able to give water to more than 20 lakh acre across Telangana. Have the BJP and Congress created a challenge for the TRS online, in managing to create the perception that it wonrsquo;t be as easy a win for the TRS as it claims? The TRS is on a silent campaign on WhatsApp. Both of them are national parties. They have a huge social media team, as they have openly claimed. If Uttam Kumar Reddy tweets something, there would be thousands of retweets and favourites from other states. The fact is no villager uses Twitter, people use Facebook and extensively WhatsApp. We have collected 80 lakh to 1 crore phone numbers, which includes close to one lakh village heads and prominent people with considerable influence to spread the welfare brought in by the TRS. We collected contact numbers of these prominent people across the state with their consent, and regularly share the development programmes and welfare schemes brought by the TRS. But this campaign is invisible. After dissolving the cabinet, KCR labelled the TDP as an lsquo;Andhra partyrsquo; and has repeatedly attacked Chandrababu Naidu and his alliance with the Congress. Does the TRS view TDP and Chandrababu Naidu as a threat? We donrsquo;t see him as a threat. The people of Telangana have dismissed the TDP, the bye-elections are testimony to it. We just want the people to know about the unethical alliance of the Congress and TDP. Has the TRS been going soft on the BJP as a strategy? In this state, the BJP doesnrsquo;t exist. They have five seats now, they wonrsquo;t even have one seat after this election. So why would we want to exhaust our time, energy and resources on a party which doesnrsquo;t even exist. A party which potentially could damage the TRS in two or three seats is the Congress. We want our people to focus on the Congress so that they wonrsquo;t even win those seats. BJP doesnrsquo;t matter and doesnrsquo;t exist in Telangana. When it will come to the other elections, probably it will matter. There is an accusation that TRS is closing ranks with the Reddys. Out of 107 candidates announced by TRS for the polls, many are from the Reddy community. Is TRS becoming a party of the Reddys? We were actually accused the other way around. When we formed the party in 2001, we formed a policy that at least 51% of the members in all committees must be from SCs, STs and BCs. We are the only party in this region with such a policy. We will ensure that the final list is a fairly balanced list. There is a criticism that the TRS has turned into a dynasty party and the government is being run as a family enterprise, donrsquo;t you think it is valid criticism? The CM didnrsquo;t give a long rope to anyone including my brother, cousin or anyone. All of them were elected by public, they were no backdoor entries, through nominations. If the ministers were inefficient, they wouldnrsquo;t have been part of the cabinet. We have run the government very professionally, thatrsquo;s the reason we achieved these results. When it comes to the party, all of us were part of the movement and were later elected by public. If you are not elected by the people, the public will give their verdict someday. Is KTR the next CM? TRS has only one leader. We arenrsquo;t inclined for an alternative. I want KCR sir to be the Chief Minister forever. Is there an infighting between KTR and Harish Rao? It is all media speculation. All their moves are under scrutiny. If they are together on a dais there's a speculation, if they are not there's a speculation. As an insider I can say that everything is cool between them. What are your personal ambitions in the party, what do you see in your political future? We come from a different background, where we donrsquo;t put the needs of the individual above the party. In our party, anybody has no set options or personal agenda. We just keep working, whatever role party gives and wherever we are thrown, we are happy to work. If they throw in Delhi or in the USA we will work in the interest of the state. nbsp; nbsp;

#IFTTT #Today Bharat

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braindamageforbeginners · 7 years ago

Text

Medication

Well, I can’t put it off any more, I have to write about those familiar, controversial Western medical bugaboos, pain medication and psychiatric meds. There are a helluva lot of issues here, and this is almost entirely an opinion/anecdotal piece, since it’s going to be a commentary about opinion (so, an opinion squared?), and I’ll be doing my usual crazed magpie topic-selection of madly going whatever shiny object/joke/whatever is closest to me. A few items to keep in place: modern pain killers are, in the span our species (the proper one, not the drunken Irish bishop’s estimate), brand-spankin’ new - less than 200-ish years old (for comparison, a former roommate of mine grew up in a house that had been in his family for that long)(before anyone gets any images of Kennebunkport, it’s worth noting that we’re talking about a former drinking buddy of mine, which is automatic grounds for disqualification of nobility in most places). Psychiatric drugs are much, much, much newer, especially as readily-available to the general public. Ironically, brain surgery - or trepanning, anyway - is almost as old as our species (so, who’s unnatural now?). And people tend to distrust new things - particularly medically new things (a former classmate was one of the first recipients of a live-organ donation, getting a liver at age four; she said a few fringe religious groups had called her parents with death threats over this)(this sort of thing is why I’m not particularly fond of religion, but I digress)(side-note; it kind of proves that we live in a society completely ruled by rich, old men that no one was up in arms when Viagra came out, even though it enables me to permanently shatter your sense of well-being with four words: Grandpa gettin’ it on)(I apologize for that last joke, that one made even me shudder). And technical/scientifically-oriented humans tend to love new toys, and abuse them.

Which is all a way of saying that I think - medically speaking - after getting over the novelty of all these things and overprescribing them for years, then backing off too much and inadvertently causing a drug abuse pandemic (sort of; I’ve read that the driving factor of the opioid crisis is people with chronic pain issues being under-prescribed or wrongly-prescribed meds, and then, in desperation, turning to more effective-albeit-dangerous things, like oxycontin), I think - and I’m just one severely neurologically-screwed-up individual - that most doctors are coming to think about these things the way they do about alcohol - it’s not for everyone, it’s not always appropriate, but in moderation, it’s healthy for most people. Again, throughout my experiences, I have never - at any point - been completely pain-free (if we include psychological pain) - but I have always been functional (sometimes near-super-functional). Credit where it’s due, I think that’s because I’ve had access to a highly competent, resourceful group of medical practitioners - from the receptionists on up - who weren’t afraid to use every single tool available to them.

The key word in that previous paragraph as it pertains to modern attitudes is “functional.” I could go on forever about how people have a weird hang-up about not using technology to enhance themselves” (again, unless it pertains to our genitals)(again, that’s not some vulgar statement, it’s a further reference to things like Viagra and/or plastic surgery)(not that I’m out of that one either, since I have veneers); we’re still obsessed with Greek games that are “natural.” Meanwhile, the World’s Strongest Man Competition is closer than ever to giving us the Hulk in real-life. Side-note, in case I haven’t mentioned it before; even if you’re completely disinterested in sports, I recommend checking out the World’s Strongest Man. Whilst other sports are obsessed with who can walk faster or swim longer, WSM is more concerned with lifting small cars (this is true) and hauling commercial aircraft. Not that discus throwing doesn’t have a place in modern society (it doesn’t), but if I’m taking bets on who would win in any event other than swimming, a Fiat or Lance Armstrong, I’m sure the Fiat wins. Whereas a Fiat vs Hafþór Júlíus Björnsson in any non-speed related event is a much, much harder call. My point being, we should have a regular, classic Olympics, and an Olympics we’d actually watch in which the only rules are “no killing the competitors, and no horse steroids.” Not because one is clearly more entertaining (although i will admit that’s a strong contender), but because there would be loads of assorted technology and stuff that they’d develop for it. We’d have bionic limbs (I mean, we’re getting there, but not soon enough), replacement clone organs, and better-than-new cartilage alternatives last week if Budweiser invested the sort of sports-sized sponsorship money into related biomedical research (admittedly in rather unorthodox way), and that could help sick people. Or help handicapped people. Or turn handicapped people into the Hulk. I mean, the technology that helped piece my brain back together (neuro/biofeedback) is amazingly more advanced today than it was just 15 years ago (we’ll come back to that shortly).

I mean, where was I? Oh, yes, we’ve always had a weird relationship between enhancement technology and society (better-explored in Carl Elliott’s book, “Better Than Well,”)(Kareem, you need to check this guy out, he got an MD, then got bored/annoyed and got a PhD in philosophy), and being able to enhance your neurological state kind of falls in there, in the sense that a fair number of psych drugs will take you past “normal” and into what Elliot described (based on patient interviews) as “better than well.” Again, based on a few EEGs my brain was functioning better after post-neurosurgery #2 bio/neurofeedback than it was when I went in (this is true), so I’m all for transhumanism. I bring this up because, again, in this broader viewpoint, psychiatric drugs and/or pain killers are part of the discussion,

The greater idea here is that I’m not feeling all the pain I could be from this experience. Well, no. I’m not. And there’s a significant fraction of the populace that has some sort of philosophical problem with that (I have not encountered them personally, but my step-mother does enjoy arguing for the sake of argument/entertainment, and the topics she goes for tend to serve as a sort of general opinion-poll for some of these issues). As she (sort of, maybe, it’s hard to tell) and Master Chief Urgayle would point out, pain is a good motivator. And I wholeheartedly agree. I would not be pestering physicians, social workers, pharmacists, etc. half as much or as effectively as if I were feeling okay. At the same time, there is a point - and this is not a wavy, thin line, this is something everyone will recognize if you ever see it - where pain not only becomes useless, it starts being a direct impediment to survival. After Neurosurgery #1, I blacked out several times from several assorted pain stimuli. In a completely natural scenario, that’s when the saber-toothed cats would’ve overtaken me, and, well, pain is even less helpful when you’re inside something with better teeth than you. Similarly, yeah, I’m not as upset by this whole experience as I could be, because I’m on some very powerful, exotic psych drugs (again, though, this is under direct medical supervision). And that’s essential to my survival; because, if I was doing this completely sober, my only reaction would non-stop vomiting, weeping, and staring out into space, followed by death because I’d forgotten to renew some critical prescription or procedure. So, if you do have friends or family who are chronically depressed (or even just post-partum depressed) and/or anxious and take meds for it, please just treat it as if they have diabetes and are getting and insulin shot. Modern medicine is essentially doing the same thing in both cases - supplementing/controlling a biochemical problem using chemistry.

Speaking of weeping and vomiting, I got a call back from Mad Scientist, who agrees with Senior Warlock in that the latest blip on the MRI is most-likely some sort of treatment side-effect/damage and not a recurrence or metastasis; and, at the same time, given both my history and placement in a clinical trial, very rapid follow-up MRIs were just a reasonably prudent precaution (she mentioned - Great Kraken bless that woman - that she’d be okay, if I weren’t in a trial, sticking with the original two-month schedule; but commended Senior Warlock’s hyper-vigilance on the matter). Which brings up another important reminder to both future-me and future-radiation patients, the list of potential radiation side-effects is lengthy and horrifying and can happen - including showing up on MRIs in weird places - any time post-Hiroshima. Like, I could make it to that 5%, five-year remission, and die at age 90 from necrosis related to radiation (unless I get my wish, and that side-effect guarantees me a slot in BalCo’s Gojira Clinical Trial for the next Olympics)(I’d probably sign up for that one right now even if I was completely healthy, if I’m being honest). Which doesn’t put me out of the woods for this latest little blip, but it will let me sleep slightly easier, which is probably a medical necessity at the moment, given that my current sleep debt is approaching four-digit numbers.

#brain tumor

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