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# /r/Peloton Pre-TDF Survey 2020

Gentlemen, Ladies and those otherwise addressed - we know you've been waiting for a good thing, and the survey results are finally ready!
The answers were collected from you all during August 2020 with 1428 unique replies. That's a participation of 0.5% of all subscribers! That's really not too bad, when you keep in mind how popular these kind of surveys are. But we here at /peloton want to show you that this is all about presenting the information in the subreddit to cater better to our audience!
Updated after a few hours to include some more historical data the final edit that for some reason wasn't copied properly
Year 2013 2014 2015 2016 2018 Mar 2018 Aug 2019 2020
Results 2013-06-12 2014-06-25 2015-08-07 2016-11-17 2018-03-06 2018-08-20 2019-07-22 2020-10-12
Replies 351 598 1395 892 630 928 986 1428
Without further ado, let's get cracking on the response

You and Cycling

1. Where do you live?

Country 2015 2016 2018 Mar 2018 Aug 2019 2020
USA 32% 28.3% 22.84% 25.32% 20.23% 24.59%
UK 18.6% 17.6% 14.70% 20.13% 15.48% 14.80%
Netherlands 6.4% 9.4% 11.50% 11.58% 10.01% 11.01%
Germany 3.73% 3.4% 4.95% 6.39% 7.84% 6.65%
Denmark 3.9% 3.6% 4.31% 3.79% 7.64% 5.79%
Belgium 3.8% 2.7% 8.15% 3.57% 5.78% 5.36%
France 2.01% 1.08% 2.88% 2.27% 5.26% 3.50%
Canada 4.9% 7% 6.39% 4.22% 4.95% 4.50%
Australia 5.2% 4.7% 3.83% 4.00% 4.33% 3.93%
Slovenia 0.73% 0.32% 1.30% 1.14% 2.14%
Norway 2.58% 1.8% 1.60% 1.95% 2.58% 1.86%
Sweden 1.08% 1.09% 1.44% 1.41% 1.75% 1.43%
Ireland 1.00% 1.09% 1.44% 1.19% 0.72% 1.36%
Portugal 1.65% 1.8% 2.40% 1.52% 1.34% 1.14%
Italy 1.45% 1.44% 0.65% 1.03% 1.07%
Largely the same picture as ever, with the US leading the way, the UK in second and then a sliding scale of Europeans countries. Slovenia continues to pick its way up the pile for obvious reasons!
World Map to demonstrate

2. What's your age?

u17 17-19 20-25 26-30 31-35 36-40 41-50 51+ Total
2015 2.22% 12.04% 41.51% 24.66% 10.68% 4.87% 2.94% 1.08% 1395
2016 1.5% 8.9% 40.8% 24% 12% 5.4% 5.2% 2% 887
2018 Mar 1% 7.1% 33.5% 27.4% 16.2% 7% 5.7% 2.1% 617
2018 Aug 1.7% 9% 33.9% 26.4% 15.5% 7% 5% 1.5% 905
2019 1.5% 6.6% 33.2% 27.5% 16.4% 7.1% 5.8% 2% 972
2020 1.3% 6.8% 31.7% 28% 16.6% 7.2% 5% 2.5% 1420
Pretty much the same as last year, with the usual reddit demographics of majority 20 somethings dominating.

3. What's your gender?

'13 '14 '15 '16 '18 (1) '18 (2) '19 '20
Male 97.2% 97% 94.9% 93.4% 93.3% 93.6% 95.1% 94.9%
Female 2.8% 2.7% 4.8% 5.3% 5.3% 5.4% 3.7% 4.8%
Other - 0.33% 0.29% 0.78% 0.76% - -
Non-Binary - - - - 0.64% 0.99% 1.2% 0.4%
More normality here for reddit.

4. How much of the men's season do you watch/follow?

Type March '18 (%) August '18 (%) 2019 (%) 2020 (%)
Grand Tours 84.7 92.0 90.2 87.3
Monuments 79.1 74.9 79 75.9
WT Stage races 67.4 62.4 70.5 71.7
WT One day races 73.3 59.8 62.3 60.7
Non WT Stage races 32.6 16.7 17.4 25
Non WT One day races 34.8 13.7 17.4 20.7
Literally everything I can consume 35.9 18.1 21.1 27.1
Whilst GT following may be down (somehow), all the lower level stuff is up, which makes sense considering how desperate we have been for any racing during the season shutdown.

5. Do you maintain an interest in women's professional road racing?

Do you maintain an interest in women's professional road racing? '19 '20
Yes 49.8 49.2
No 50.2 50.8
Still very much a half/half interest in women's cycling on the subreddit.

6. How much of the women's season do you follow?

The following is true for the half of you that follows womens cycling.
How Much %
Just the biggest televised events 63.15%
Most of the live televised/delayed coverage stuff 29.08%
All televised racing 5.09%
Down to .Pro & beyond 2.69%

7. How long have you been watching cycling?

How Long %
Under a year 2,95%
1-3 years 19,50%
4-6 years 19,85%
7-9 years 14,10%
10-12 years 13,81%
13-15 years 7,15%
15-20 years 10,73%
20-25 years 6,17%
25 years + 5,75%
Simplified the years a little this time, but whilst we have a fair number of newbies, most people have picked the sport up since around 2013/14.

Sporting Favourites

8. Do you have like/dislike feelings about WT teams?

Once more, 14.4% of people really don't have feelings on the subject.
Of those that do:
AG2R Astana Bahrain Bora CCC Cofidis Quick-Step EF FDJ
Like 352 213 127 770 156 116 847 724 423
Meh 775 620 773 415 889 896 310 448 700
Dislike 52 356 263 31 112 141 71 37 53
Karma 300 -143 -70 739 44 -25 776 677 370
Israel Lotto Michelton Movistar NTT Ineos Jumbo Sunweb Trek UAE
Like 135 364 517 231 101 304 925 279 383 118
Meh 740 764 626 646 931 414 282 805 765 734
Dislike 302 40 52 326 121 562 53 97 42 331
Karma -167 324 465 -95 -20 -258 872 182 341 -213
So, the most popular team this year is Jumbo-Visma, followed by Quick-Step & Bora-hansgrohe. Least popular are Ineos & UAE.
As per usual, no one cares about NTT & CCC, with nearly 81% of users rating NTT as meh. Pretty damning stuff.
Lastly, we have the usual historical comparison of how teams have fared over time, normalised to respondents to that question on the survey.
Things to note then, firstly that the Astana redemption arc is over, seeing them back in the negative, maybe Fulgsangs spring issues helped aid that? The petrodollar teams of UAE & Bahrain are stubbornly negative too, with Israel keeping up the Katusha negative streak. Meanwhile, at the top end, EF & Jumbo go from strength to strength, whilst some others like Sunweb are sliding over time - their transfer policies no doubt helping that.

10. Do you ride a bike regularly?

Answer 2018Mar 2018Aug 2019 2020
For fun 61.5% 63.4% 59.9% 62.9%
For fitness 59.3% 59.6% 54.8% 59.8%
For commuting 46% 46% 45.6% 40%
For racing 20.6% 20.6% 15.9% 17.7%
No, I don't 14.2% 12.9% 14.8% 13.6%
Still a fairly small group of racers out of all of us

11. Out of the sports you practice, is cycling your favourite?

Yes No
58,29% 41,71%
A new addition to the survey prompted by a good point last time, just over half of us rate cycling as the favourite sport we actually do.

12. What other sports do you follow?

Sport #
Association Football / Soccer 50.78%
Formula 1 35.81%
American Football 26.27%
Basketball 22.46%
Track & Field 17.58%
Esports (yes, this includes DotA) 17.30%
Rugby 14.27%
Skiing 14.12%
Ice Hockey 13.63%
Baseball 12.15%
Motorsports (Not including F1) 10.59%
Cricket 10.52%
Tennis 9.53%
Chess 8.97%
Triathlon 8.69%
Biathlon 8.12%
Snooker 7.06%
Golf 6.92%
Swimming 6.85%
Ski Jumping 6.78%
Climbing 5.72%
Martial Arts 5.65%
Handball 5.44%
Darts 5.01%
Speed Skating 5.01%
Football always tops the charts, and Formula 1 continues to rank extremely highly among our userbase. Those who have a little following below 5% include Sailing, Fencing, Surfing, Boxing & Ultra-Running.
Other cycling disciplines
Sport #
Cyclocross 22.10%
Track Cycling 14.34%
MTB 8.97%
BMX 1.20%

13. Out of the sports you follow, is cycling your favourite sport?

Yes No
61.79% 38,21%
Good. Makes sense if you hang out here.

Subreddit stats

14. How often do you participate in a /Peloton Race Thread whilst watching a race?

2015 2016 2018Mar 2018Aug 2019 2020
I always participate in Race Threads during races 2.8% 2% 2.2% 4% 2.5% 3%
I follow Race Threads during races 41.7% 36.7% 38.1% 42.1% 42.5% 38.9%
I often participate in Race Threads during races 16.8% 19% 16.5% 18.9% 15.2% 13%
I rarely/never participate in Race Threads during races 38.7% 41.3% 43.1% 35% 39.8% 45.1%
Slightly less invested than before, reverting back to an older trade.

15. How do you watch Races?

Method 2018Mar 2018Aug 2019 2020
Pirate Streams 62% 46.5% 50.2% 47.9%
Free Local TV 55.7% 64.5% 59.6% 53.9%
Desperately scrabbling for Youtube highlights 37.9% 30.2% 28.2% 24.9%
Paid Streaming services 32.3% 35.4% 38.3% 46.3%
Year on year, paid streaming services go up - the increasing availability of live content legally continues to improve, and so do the numbers on the survey.

16. Where else do you follow races live (in addition to watching them)?

Type 2018Mar 2018Aug 2019 2020
/Peloton race threads 86.2% 83.4% 80.2% 76.9%
Twitter 30.5% 34.7% 33.3% 38.3%
PCS Liveticker - - 30.2% 32%
Official tracker (if available) 24%
The Cyclingnews liveticker 26% 23.5% 21.5% 18.9%
Sporza (site/ticker) 1.89% 9.5% 10.8% 10.8%
NOS Liveblog - 6.8% 7% 9.2%
Steephill 0.52% 13.5% 10.2% 8.2%
/Peloton discord 6.5% 5.4% 7.5% 7.2%
Other cycling forums 15.1% 8.1% 7.6% 7%
feltet.dk - 2.2% 5.4% 5.2%
Facebook 3.8% 5.4% 4% 4.2%
BBC Ticker - 3.5% 2.1% 4.1%
DirectVelo - 1.3% 1.6% 1.8%
Non Cycling Forums - 1.3% 1.2% 1.2%
/cyc/ - 1.3% 1% 0.6%
/peloton IRC ~0 0.8% 0.4% 0.5%
The PCS liveticker continues to have a strong following, whilst the cyclingnews ticker slowly slides into less usage over time.

17. Do you use /Peloton mostly in classic reddit or redesign when on the desktop?

Type 2018 Aug 2019 2020
Classic 75.1% 67.2% 46.2%
Redesign 24.9% 32.8% 53.8%
Time to abandon ship. The end has come.

18. With what version of reddit do you browse the sub?

Version 2019 2020
Official App 17.9 31.1
Desktop Classic 37.8 25.8
3rd Party App 18.3 17.2
Mobile Web 12.4 14.7
Desktop Redesign 13.7 11.2
Phone browsing is very much in vogue.

19. How did you find the sub?

How %
Through other forms of reddit, f.e. /bicycling 48.33%
Too long - can't remember 38.65%
Google search 9,11%
My friend told me 2,28%
I wanted to talk about my exercise bike 0.78%
Twitter 0.5%
Lantern Rouge Youtube 0.28%

Other bits and bobs

20. Did you think back in March we would see any more racing this year?

Yes No
52,81% 47,19%
Despite the threat, we have seen racing again

21. Will we manage to fulfill the rest of the UCI calendar without further Covid-19 issues postponing more races?

Yes No
25.3% 74.7%
Sorry to you 25%, Amstel, Roubaix & a bunch of other races have falled foul of COVID-19 related cancellations.

22. When did you become aware of Alexander Foliforov?

When %
Before the 2016 Giro 3,25%
22nd May, 2016 15,55%
On /pelotonmemes in 2020 21,13%
Who? 60,07%
If you didn't know of the man, watching him demolish the Giro field in 2016 on the stage 15 ITT should help to gain understanding

23. Who will win the 2020 Tour de France?

Rider %
Roglic 52,12%
Bernal 16,57%
Pinot 9,24%
Dumoulin 7,9%
N.Quintana 2,82%
Pogacar 1,41%
Richie Porte 0,35%
We can safely say that most of us were wrong about this one.
That's not a lot of confidence in Richie Porte either, the man who was to finish on the third spot of the podium. Alexander Foliforov (0,23%) had just a tiny number of votes less, and that man wasn't even in the race.

24. What for you was the defining cycling moment of the previous decade?

We had a lot of brilliant suggestions, but these were the clear five favourites when we tabulated the results.
Honorable mentions go to the Giro 2018, which had Tom Dumoulin winning, and of almost identical fascination to many of you - Tom Dumoulin going on someones porta-potty in the middle of the stage.
Little bit of recency bias perhaps, but that's better than ignoring that this was for the last decade and firmly insisting Tom Boonens 2005 WC win was the biggest thing. Special shoutout to almost all the Danes present in /peloton who voted for Mads Pedersens WC win last year. It's an understandable reaction.

25. Any suggestions for the Survey?

New Questions
We promise to feature one of these suggestions in the next survey
Suggestions
We will try to implement this. But it will also skew results.
About the Survey
The subscribers are torn on Women's cycling, nearly a 50/50 split there as the survey showed - The moderators at /peloton are firmly in the "more cycling is better" basket, and we will continue to get as good coverage of womens cycling as possible.
Are you trying to give the moderators PTSD? Because this is how you give the moderators PTSD.

26. Any suggestions for the sub?

ALSJFLKAJSLDKJAØLSJKD:M:CSAM)=#/()=#=/")¤=/)! - Your moderator seems to be out of function. Please stand by while we find you a new moderator
The Weekly threads are great for these types of questions, where several people can contribute and build up once it is understood which information is relevant.
Our experience is that "limited" will never be so, if we're going to moderate it fairly. Moderating is not a popularity contest, but believe it or not, we're actually trying to be as fair as possible. and for that, we need rules that are not subjective. Unless you have a stationary exercise bike.
All of these are good suggestions, but remember that all of you can also contribute - The mods are sometimes stretched thin, specially in the middle of hectic race schedules. It's easier if one of you has a way to contact a rider or a person of interest and can facilitate the initial communication.
We've worked on this! The Official Standard is now as follows: [Race Thread] 202x Race Name – Stage X (Class)
This sounds as a nice community project for the after-season, and hopefully many of you subscribers can contribute.
Come with suggestions on how to tidy it up!
We have chastised all the mods. They are now perfectly trained in gender-neutral pronouns. Be well, fellow being.
If we can implement this for hard liquor, you know we will.
The spoiler rule is one that is discussed frequently - in general - some users absolutely hate it, but a majority love it. Perhaps we'll include a question in the next survey to see how this divide is exactly.
We actually do - whenever there is a matter of life or death, we think public information is more important than a spoiler rule. But at the same time, we try to collect all the different posts into one main thread, so to keep things focused and letting very speculative posts meet with hard evidence from other sources.
This is a tough ask of the internet. While we can agree that voting should be done accordingly to what insights they bring, not subjective opinions, it is very hard to turn that type of thinking around. We can ask of you, our subscribers, that you please think twice about hitting that downvote button, and only do so because of you think a post is factually incorrect, not because it differs with your own subjective opinion.
That's the primary analysis of the survey! Feel free to contribute with how you experience things here!
submitted by PelotonMod to peloton [link] [comments]

OBLIGATORY FILLER MATERIAL – ESCAPE FROM STALAG SULTANATE, Part 1

That reminds me of a story.
“HELLFIRE AND DALMATIANS!” I shouted to no one in particular.
“What’s the problem, dear?” Esme asks in that way she has of telling me to calm down without having to say it directly.
“This bloody fucking country. A day late and several dollars short.” I fume. “Can’t get a new liquor license because of the bloody COVID. Can’t go to a hotel bar and have a snort because of the bloody COVID. Can’t even slip across the border to Dubai and soak up some room service and buckets of complimentary cocktails because of the bloody COVID.”
Yes, the Sultanate of Oman, in its infinitesimal wisdom, has traditionally followed other GCC countries by at least three months in making any sort of proclamations regarding this latest bugaboo: the hideous, deadly, itchy, loathsome, and possibly serially bent, noxious, pandemical COVID-19; aka, this pandemic’s entry for flu.
Their response is one of immense knee-jerk without first having thought of the consequences.
“Bloody lockdown, 2100 to 0700. What is this, the whole fucking country’s been bad and now being sent to bed without any supper?” I wondered aloud. “Idiot benchodes.”
Even Esme couldn’t come up with a rejoinder to that.
“Plus they close all the bars. And all the hotels. And the fucking bottle shops. It’s not enough that these fucking Muppets jack the ‘sin tax’ on booze and cigars by 100%, now they’re not even legally available.” I swore.
Of course, once you’ve spent even a small portion of the time that I have in the Middle East, you have your connections. Your system. Your access to the seedy underbelly of any society; the venerable Black Market.
Jesus Q. Christ on toast with baked beans, fried tomatoes, black pudding, and mushrooms, I could get most anything in the Middle East, be it legal, shady, or just plain illegal. However, before you all recoil in horror that the venerable Dr. Rocknocker dabbles in the prohibited, just remember: the ends always dojustify the means.
“I'm telling you, Esme dear; this Gulf story is getting too complicated. The weasels have started closing in.” I complain to Es as she hands me a fresh drink.
“Do you think…?” Esme asks expectantly.
Esme is more than ready to go. I’ve used this place as a base of operations for years whilst I wear out the Omani legal system suing those asswipes that think just because they’re local and I’m a kafir, they’re immune to the law.
I’ve spent a long, profitable and time-consuming period of the last few years proving them wrong.
But, time was marching onwards. I agreed with Esme, we’ve milked this particular cash cow dry. It was time to hitch up our bootstraps, call it a day, and get the hell out of Dodge.
But not before I took care of a few loose ends.
Now, the country had recently lost its venerable Sultan, who croaked back in January of this year.
Sultan Qaboos was a good egg, friend to expat and local alike. Did a shitload of good for this benighted Middle East sandpit. Dragged it kicking and screaming out of the 12th century into, well, not exactly the 21st, but a whole hell of a lot closer.
He realized that he needed revolutionary, not evolutionary change in the country. By revolutionary, he needed American, British, Canadian, and the like Western Expats here to do the heavy thinking and lifting and Eastern Expats like Indians, Bangladeshis and Nepalese to do all the scut work.
Yeah, I know. That sounds racist as fuck, but sometimes that’s the way the ball bounced.
Simple evolution of society where Omanis graduated the local equivalent of grade school, through high school, into University, and finally into Entry level jobs in the oil and gas industry wasn’t going to cut it. Took too long and the country needed a serious cash flow now.
So, that’s what he did. And it worked a treat.
Then he died.
And his chosen took over.
Except his chosen was pretty much antithetical to everything the previous and very revered and successful, Sultan wanted.
Soon, there are 100% ‘sin taxes’ aimed directly at the western expats. Tourists included.
Then there’s quotas and ‘Letters of No Objection’, which are impossible to get so that the Eastern Expats can’t switch jobs.
Then, there are Sultanic proclamations of new taxes on tourists, new taxes on fast food, new taxes on this, that and the other. Then there’s, in his own words, “Oman is for Omanis”, blatantly ridiculous and xenophobic Omanization, and the general swipe at all expats.
“GET OUT.”
This was the clear message of the new sultan.
He wanted to take over and possibly nationalize all the oil workings in the country.
Ask Venezuela, Iran, and Myanmar how well that worked out for them.
Then he wants all expats out on their asses. He wants Omanis to take over all the jobs, even though they’re nowhere near educated nor experienced enough for the positions. Then take up the massive GDP slack in lower oil production and oil prices with tourism.
Given everything else, that last line should be enough to get him off the throne.
He’s fucking nuts if he thinks people are going to want to cruise or overland anywhere near a place where foreigners are seen only as a cash supply, are despised, and would welcome these all new 100% tax levies.
Be that as it may, Esme and I decided that we have had enough of 135O F summer temperatures, virtual house arrest under the guise of a COVID lockdown, and idiots who were the only ones stupid or twisted enough not to vamoose when the great, big bloody letters were clearly written on the wall.
But, there was the physical act of getting out of the country.
Now, I had plenty of strings which I could pull, but I decided I’d start low and save those until we really needed them.
So low, in fact, we went to the US Embassy in Muscat.
“How low can you go?” reverberated through my head.
What a haven of sad-sacks, flubadubs, and third rate hobbyists.
Was either Esme or I surprised that when we finally secured an invitation to the embassy, that required a bit of string-pulling with the ex-Ambassador to Oman, now in Kabul; that besides the peach-fuzz faced Marine guarding the place, we were the only Americans in the joint?
“This is American soil!” I laughed, as I pulled out a huge Cuban cigar and was immediately told to extinguish it. “We’re as American as apple pie and napalm! We file our fucking 1040s every April; I pay my fucking long-distance taxes and demand US assistance to vacate this gloomy place of sandy, sweaty, sultry Sturm und Drang!”
“Shut up, Rock”, Esme chided me, “They don’t understand English. Much less, the florid English the way you trowel it on.”
“Fuckbuckets”, I remonstrated. “Here I had memorized the whole Patrick Henry speech he made to the Second Virginia Convention on March 23, 1775, at St. John's Church in Richmond, Virginia. Troglodytes. No admiration for the classics.”
“Rock, dear?” Esme noted, “It’s almost 1100 hours. Best to get to our appointment.”
True, our appointment was slated for 1100 hours. But around here, anything starting within three hours of the stated time was considered close enough.
We dragged ourselves, none too cheerfully, to the waiting room. Once we pried open the door, there was the usual “If you hear a high pitched wail, hit the deck” signs, and other things one could do while kissing one’s ass goodbye if there was a terrorist attack, we had a whole new slew of bullshit with which to deal.
“Social distancing. 6 feet. Or if you’re from Baja Canada, 1 cow’s length.”
“Must wear a mask. Bandanna, bandoliers, and large-caliber weapons or sombrero optional.”
“No sitting. Faux Naugahyde seats are too difficult to sterilize. You must stand at attention, do not talk amongst yourselves, and remain patient until your number is called.”
“Well, fuck!”, I snorted quietly, as I raised my first secret flask in rapt attention to our old glory of red, white, and blue.
“Good thing they didn’t say nothin’ about getting a load on. If I’m going to be treated like cattle, I’m going to at least have something to chew on in the process.”
“Oh, lord”, Esme grumbled, “You didn’t bring that Japanese Rye Whiskey with you, did you?”
“ルハイム”, I said, which is Japanese for “L’chaim”!
“Oh, hell”, Esme grinned as she borrowed my flask, “This is going to be a long day.”
I began to protest but remembered that I was wearing my Agency-issued field vest. I must have had at least 5 or 6 more flasks lurking around in those pockets somewhere.
Funny aside: they don’t bother with my going through an X-ray machine nor do they confiscate my phone, radio, knives, nor other field equipment when I go to the US Embassy.
It took them almost two solid hours last time, and by the time they got to my Brunton Compass, emergency flasks, a few spare blasting cap boosters, and saw the label sewn into the back of my vest, they decided they’d just send Rack and Ruin some evil Emails and let me pass unmolested.
“I’ll drink to that”, I say as I raise a flask as the locals raise an eyebrow. “Courtesy of Atheists International. We’re here for your children…”
The collective gasps and growls indicate they weren’t happy with me or my betrothed.
“Don’t care, Buckwheat”, I smiled, “Never did, never will. We’re out of here for good. You can curse my name all you want then. But, then again, why you standing in the American Embassy trying to get a visa to visit the land of the great evil empire?”
All the locals and most of the Eastern Expats crowded into a corner as far away from us as they physically could.
“BOO!” I snickered over a shot of Wild Turkey 101 Rye.
“Now serving number 58! Number 58!” came the call over the tannoy.
“Look at that”, I remarked to Es as I stashed both our flasks, “It’s only 12:35. Record time.”
We both shimmy into the glass-fronted and presumably bullet- but not C-4 resistant- glass.
We pick up the telephones there and acknowledge that we are who we said we were.
The East Indian fella, one Harsh Talavalakar, behind the multiple layers of glass asked us why we were here.
“Didn’t you read the appointment card?” I asked, “We’re here to have Uncle Sam get us passage out of this sordid and sultry place.”
“You are American citizens?” he asked, vacantly.
“That’s what it says on appointment cards and these here blue passports,” I replied.
“Well, how was I to know?” he scoffed, returning to his half-consumed powdered sugar doughnut.
“Maybe read the appointment card and see that we are US Citizens here on the behest of Ambassador Bethesda Orun?” I replied.
“Like I have time to read everything that comes across my desk”, he scoffed again.
I tapped on the glass to make certain I had his full attention.
“Look here, Herr Harsh. I’m not sure how you got this job at the American Consulate but want to be very clear with you. My wife and I are residents of this place for the last 20 years. We’re American citizens of very high standing and have more high powered connections than an Arduino in a nuclear power station. We have direct connections with Langley, Virginia and if you want to retain your cushy job, you’ll put down that fucking doughnut and pay very rapt attention to the two Americans standing here who are getting more and more irritated with some Indian benchode that doesn’t think he has to really do his job. You savvy? You diggin’ me, Beaumont”
I guess the benchode got his attention. The two scowls he received from Esme and myself sort of cemented the idea that we’re not too pleased and not with to be trifled.
“Yes, sir?” he said, “And ma’am”, as Harsh quickly corrected himself as the doughnut disappeared.
“We want out. Gone. Vamoose. Outta here. AMF. You got me?” he nods behind the shatterprone glass.
“Now I know the borders are sealed and the airport’s closed, but fuck that. We want out and we want gone for good. I can’t make that much simpler or clearer. Get after it, son.” I said, as seriously as I could.
“Well, sir”, he began, “ The airport’s closed…”
“Are you deaf or born stupid and been losing ground ever since?” I asked, rhetorically. “I know that. We all know that. My HAT knows that. So, what devious little plan does the US Embassy have in store in just such an unsavory situation?”
“Well”, he chokes a bit, “There’s this unofficial lottery where America citizens are issued random numbers and if their number comes up, there are seats made available on special clandestine charter flights.”
Considering that Es and I are some of the last American citizens left in the country, I thought our chances might be pretty good.
“OK”, I said, “Let us have two of your finest numbers.”
“Yes, sir”, he said, “That will be US$500 total.”
“Excuse me?” I said.
“Oh, yes”, he smirked, “US$250 per number. Chances are you’ll never be called, but with these numbers, at least you stand a chance.”
“OK”, I said, “Forget the numbers. I want your name and operating number. I’ve got a report to file that’s due in Virginia before breakfast.”
“Oh, sir”, he smirked more, “I cannot release that information. Thanking you. Now be having a good day.” And he slammed the supposedly bulletproof shield between himself and Es and me.
“Bulletproof? Maybe. Nitro proof? No fucking way.” I groused as I fished out a couple of blasting cap superfast boosters.
“Calm down, dear”, Esme smiled to me as we walked out, “When he wasn’t looking, I took his picture, got his operating number, and full name. In fact, I think I got some information on where he lives…”
In the cab on the way back to our villa, I reviewed and confirmed Es’s subterfuge. Flasks number 6 and 8 needed serious replenishment by the time we arrived home.
“That’s fucking right, Ruin.” I yelled over the phone, “We need extraction. And now. Along with our personal effects and a few hundredweight of ‘don’t ask, don’t tell’ boxes of stuff we need to be transported.”
“Well, Rock”, Agent Ruin replied, “That’s a tall order. Usually, extraction is for one person and the stuff they’re wearing. Tell you what. Let Rack and I work on it for a week or so. We’ll arrange transport of your personal effects, then we’ll see about getting you and Esme to Dubai. At least there, you can order a plane. Hell, knowing you, you’ll get Tony Stark to fly in and provide door to door service. Sit tight. We’ll be back in touch.”
“Good!” I say as I slam the phone down. With these newfangled cellphone telephone instruments, they lack the same sort of satisfying “KER FUCKING CLANG” the old landlines used to have.
“Es!”, I yelled, “Start packing. We’re due out of here within a week.”
That meant we needed to do some packing triage:
• Things going home with us.
• Things being shipped.
• Things being sold.
• Things being left behind.
• Things no one was about to get their furry little mitts on.
“Oh, fuck!”, I startled. I had just remembered the John Wick-ian stash of various explosives, and adjunct materials I had buried in the basement. Obviously, I couldn’t take it home with me, I couldn’t sell it, and I sure as festering frothing fuck wasn’t going to leave it here.
I needed to call one of my more shifty and swarthy friends and arrange for passage out to the deep, dark desert. Around the area where the new sultan had opened a couple of brand new landfills.
Looks like I was going to expand them a few meters once we disposed of the few hundred kilos of accumulation I attained over the last few years.
See, I’m a packrat. I never leave nor toss anything that might be convenient. Might have a benefit. Might prove to be useful sometime down the line.
So, I’ve accumulated a bit of kit.
Like…well…a few hundred sticks of Du Pont 60% Extra Fast Dynamite. A couple dozen spools of Z-4 Primacord, in various degrees of fullness. A shitload of C-4; enough bricks for a Floydian wall. A couple, well, a dozen, well, two dozen cases of binary liquid explosives. Hey, this stuff is hard to come by…
Continuing, several thousand blasting caps and superfast flash blasting cap boosters. Some mercury fulminate. Some nitrogen triiodide. A couple tens of pounds of PETN. An equal amount of RDX. A few Erlenmeyer flasks full of shit even I’m not certain of what it is…
Oh.
And a few kilos of freshly decanted, raw nitroglycerin; packed in sturdy wooden boxes lined with new fuzzy lamb’s wool.
Not that much. Just 10 or 12 kilos.
Yeah. I can’t leave that here. Even a small accident with this stuff would lay waste to not only our villa; but my landlord’s villa with whom we share a common wall.
Besides, as Omanis go, my landlord was the only dishdasha dressed denizen for which I had any respect or admiration. He was a good guy. I needed to return his villa at least in some semblance of what I received when we first rented from him.
So, I had to dispose of many, many billions of kilojoules of potential energy. I needed to do this out in a distant and far away from prying ears and eyes regions and I needed a truck to haul this stuff out to the range.
To be continued…
submitted by Rocknocker to Rocknocker [link] [comments]

Student Loan Default: The Guide (ReUploaded)

NOTE: I'm pasting this guide from where I originally found it, over on Studentloandefaulters. It was originally pasted there from someone who found it after the original was deleted.
​

Student Loan Default: The Guide (reuploaded)

📷
The original guide that was recently deleted here: https://www.reddit.com/studentloandefaulters/comments/cg1fd7/student_loan_default_a_guide/
I take no credit for this post, just happened to have it saved in a document and thought I'd be doing an injustice by not sharing this information once I saw the original post was missing! All credit goes to the original author, and without further ado...
Student Loan Default: A Guide
I’ve been wanting to write this for a long time, and seeing that person be in $500,000 of debt and no one really helping him on studentloans, I felt it was time to summarize everything I’ve learned. While there is great information on this sub, it is not centralized. It requires some digging. I hope now to bring all of it to the surface.
Definitions:
Strategic Default: When a borrower realizes that he or she can spend less money by not paying a loan. The borrower waits out the statute of limitations and then either settles or waits the debt out.
Shills: People who are paid to prevent the spread of student loan default information
Statute of Limitations: The number of years your state requires before a debt can no longer be collected.
Cosigner: The poor person who is just as legally required to pay your loans as you are
Foreign Earned Income Tax Exclusion: A tax rule that states any US citizen can earn up to about $100,000 a year in another country and report their US taxes as 0.
Fraudulent Transfer: When a party tries to move assets to someone else in order to avoid a lien on their property.
Lien: Essentially when the government slaps a bill onto your property forcing you to pay off a debt before you can sell the property.
Income Based Repayment (IBR): Federal loans can be paid with 15% of your discretionary income (money earned after taxes) instead of a higher, unpayable amount
Aggregate Student Loan Limit: The total amount a student can take out before the federal government or a private lender stops authorizing new loans
Wage Garnishment: When a court forces your employer to take out a certain percentage of your paycheck to pay back a debt
Bank Levy: When the government or a court takes all of the money directly out of your bank account to pay a debt
Private Loans: Loans that originate from anyone but the federal government. These loans have a statute of limitations and less power but higher interest rates.
Federal Loans: These loans have no statute of limitations, the government can collect anything you earn to get these back, and they come with IBR which is manageable
Sallie Mae: The worst private lender on the market. They only offer deferment for four short years.
Forbearance: A period where you do not have to pay your student loans, but interest accrues.
Deferment: A period where you do not have to pay your student loans, but interest does not accrue.
Credit Score: A number that tells people how responsible of a borrower you are.
Student Loan Tax Bomb: After you have paid for 10 - 25 years on your federal loans, you are forgiven the rest. That is considered income by the IRS. You then add this “income” to your regular income for the year and pay the tax. It can be over $10,000.
Insolvency: When you are unable to pay your debts. This works well for defusing the student loan tax bomb.
Public Service Loan Forgiveness: If you work for 10 years at a government job, you can get your entire federal student loan balance forgiven. In 2019, the feds are making it near impossible to collect. This could change.
A note on cosigners before we begin: Look, your cosigner is probably going to be very mad at you. Prepare for your relationship to be strained. You need to try and get them on the same page as you, and I do offer a tactic here to at least shift all of the financial burden off of your cosigner below. If you decide to do any of these tactics without getting your cosigner off the hook, there could be more risk involved if you or your cosigners have a lot of assets.
Strategy
Student loan default is a strategy. And to have a good strategy, one must plan as much as possible. You have to know all of your options. While strategy is your overall game plan, tactics are the individual options you have to get your strategy accomplished. Below are the tactics that you can employ to beat the student loan companies.
Tactics
Paying Your Loans: [low risk] In the rare chance you have anywhere between $1,000 to $20,000 in federal student loans and you have completed your bachelor’s degree, you should probably just pay the damn loans. All you have to do is set up an auto debit and forget about it. It will be about 15% of your income. You really want to try and avoid consolidating if you can, because it will count against some of your IBR payments. You would also lose your grace period if you did this. At the end of 10 to 25 years, you will be forgiven all of the loan amount you did not pay. That forgiven amount is considered income by the IRS, so you will be put into a higher tax bracket. I would get an accountant when this comes. In your case, your tax bomb will be low enough where you could probably just pay it. If you want to really shake things up though, you are welcome to try either the Asset Creation Tactic or the Madlad Method below. Here is more information on Income Based Repayment: https://www.studentdebtrelief.us/repayment-plans/income-based-repayment-plan/
Default Private IBR Federal (Staying Put): [low risk] The standard strategy here on studentloandefaulters. As mentioned above, for the federal loans, it’s best to just IBR and automatically debit your bank account each month and forget about it. For the private loans, this is where the game begins. Your overall plan here is to default, wait out the statute of limitations in your home state, and either settle the debt for less than 30% or just hope they leave you alone and you don’t pay at all. From this moment on, whatever you would have paid for your private monthly bill, sock that money away. Once you go past 120 days of no payments, you are in default. This is where the phone calls come in. They will start to harass you. They will call your work, your cell phone, your cosigner, etc relentlessly. Most likely, they’ll start doing this before you get to default. As they call you, you can either just give them the cold shoulder or start immediately acting like you do not own the debt. Never admit that you own the debt. Tell them you think they are crazy and have the wrong person. Inform your cosigner to do the same. Once your loans are sold to a collection agency, wait until they call you and ask for verification of the debt. If they do not provide it, you won. Chances are, they will be able to verify it, so just make sure you never admit to the debt on the phone or make a payment. If you make a payment, you’ll reset the statute of limitations. Do not give them five dollars, two dollars, a penny. If they do sue you, show up for court. Get a lawyer if you can afford it. You have to show up to court, or they win automatically. Even if you don’t have a lawyer in court, you need to make them verify the debt. You could still lose here. If you do lose in court, go to my tactic of “The Cat and Mouse Game.” They are playing a numbers game, and if you are harder to sue than John Smith down the street, they may prey on him or her instead of you. Now, there are four states in the United States that do not have wage garnishment: Pennsylvania, North Carolina, South Carolina, and Texas. You could move there, and if you have barely any assets, you are considered judgement proof. This means you’re not worth the time to be sued, because you have nothing to take and cannot be garnished. Moving is hard, though, so that’s a personal decision. Also, from what I understand, if you do move to these states, you can switch your statute of limitations over to their states which may be less time until you cannot be sued anymore. If you do lose and just want to stop here, you could get your bank levied and you could be slapped with up to a 25% wage garnishment until paid in full Clarification: a lot of people do not ever get garnished, and bank levies are rare (they are non-existent on federal loans). Do not let this freak you out!. I repeat this is super rare and not likely to happen. Anyways, you have options at this point. If it does happen, try another tactic like leave the country or cat and mouse below.
Default Private Default Federal: [medium risk] Some of the wilder people have attempted to default on both federal and private loans in order to do a cash settlement. The same strategy above in Default Private IBR Federal applies, but realize that the US government could just step in and do an administrative garnish on you eventually. If you were living some sort of cash existence, you could potentially avoid them and then write them a money order and settle for 30% or something. This way, you avoid the tax bomb and would probably pay a lot less interest overall. If you do this and it works, I would love to hear about it.
Cat and Mouse: [medium risk] So, you want to avoid getting sued or you lost a judgement? You don’t have to sit back and take it. u/nowaysalliemae has successfully avoided being sued by essentially going on the run. You see, to be sued successfully, they need to know where you work. If you get sued, move to another state, and switch jobs, they have to do the entire process over again! This means find you, verify the debt, sue you, etc. You can essentially do this until your statute of limitations runs out. And then, you dispute the debt on your credit score. They take it off at that point, and you just saved a lot of money. I decided to put this as medium risk, because moving around a lot would require some luck. Especially since you would need to work wherever you go, there are a lot of moving parts here. I think it is totally doable, and if you are an adventurous personality type, it could be a lot of fun. This only works for the private student loan side, because the US government has a lot more power. You would still IBR your federal loans on this tactic. For more information, go through nowaysalliemae's post history.
Leave the Country: [medium risk] What if you want to avoid all of this altogether? Do you want a reset button on your life? You can just leave the country and start over. Seriously. Your credit score does not follow you across countries. The federal government cannot garnish your paycheck if you work internationally. You are not a criminal doing this. Furthermore, there is something called the Foreign Earned Income Tax Exclusion. Since you will still IBR your federal loans on this plan, as long as you make less than $100,000 in another country, your US income is zero. This means you just got a free education while you make money in another country. Once you pay zero for 25 years, you will have to defuse your student tax bomb. Tactic Below. Private companies do not stand a chance here. There are countries in the commonwealth such as Australia and Canada that are more willing to take you in if you meet certain requirements. You could teach English at a bunch of places. You could apply for residency at these places or be a perpetual tourist. A perpetual tourist is someone who essentially moves to a new country, goes to a neighboring country for a weekend, and then goes back to that new country they are trying to start a new life in*. This in no means you have to go back to the U.S. Ever. For example, you want to live in Panama forever, every 90 days, you take a weekend trip to Nicaragua. You come back to Panama after the weekend is over and get another 90 day pass. Rinse and repeat. This gives you another 90 days in your country of choice. If you make money on the internet, this strategy would work pretty well. You can just be a perpetual tourist or marry someone in another country and start a new life. This will not be a good fit for everyone, but there’s something exciting about this. If you are young, single, and restless, this could be the adventure of a lifetime. Here's more info on being a perpetual traveler and the FEIE: https://www.escapeartist.com/blog/perpetual-traveler-us-tax-code/
Suspend Payment Without More Debt: [low risk] So recently, it has been brought to my attention that there is a community college, Luna Community College (in Las Vegas, NM), that has tuition so low you could go half time all year for about 684 dollars. They have a small amount of associate's degrees. If you just want to stop paying without taking any more loans, this would be the way to do it. You could do this for many years. Luna Community College's tuition matrix: https://luna.edu/tuition_matrix
Convert Private Loans to Federal: [low risk] From this point on, these are my special tactics I’ve been thinking about. They might work really well for some people. So, you have a bunch of federal loans and a good amount of private loans. You don’t want to fight debt collectors or move around. Try this. This plan only works if you have a bachelor’s degree though. Anyways, there is a special loan offered by the US Federal Government called the Graduate Plus Loan. This loan is incredible, because there is no aggregate student loan limit. In other words, you can borrow as much money as you want here. Even a million dollars no questions asked. All you need is no delinquency or default on your credit report. If you do have these things, you can get a cosigner in on the plan. They won’t ever be responsible anyways because you will defuse the tax bomb at the end. This works to your advantage, because you could go back to school at the graduate level, get a diploma mill master’s degree online, use your room and board payment to start paying off your private loans ASAP. Just make sure you are doing whatever your school considers half time enrollment in order to avoid student loan payments while doing this. Once you’ve gone to school long enough and converted all of your private loans to grad plus loans, you could just go on an IBR plan. This will at least make your life manageable. You would have to defuse your student tax bomb once this is over. Tactic below.
Convert Federal Loans to Private: [medium risk] So, what if you wanted to go the opposite way? Maybe you want to convert all of your federal loans to private ones, default, and then leave the country? Hey, maybe there are reasons you want to hurry up the settlement process. You could essentially do the same strategy as above, but instead just borrow from Sallie Mae, Wells Fargo, etc until all of your federal loans are paid off. Then, either cat and mouse or leave the country. I don’t think a lot of people would find a use for this, but hey who knows?
Asset Creation Method: [high risk] What if you wanted to not just pay off your loans but get ahead in life? Maybe you feel like using your student loan debt to your advantage. Thanks to the work done by u/BinaryAlgorithm, you could really come out on top here. Remember those Grad Plus loans we were talking about? Well, there’s nothing stopping you from continually borrowing all year on these loans, investing the room and board, and acting as if you do not have the debt in the first place. While I had originally said that rental property does not count as income, I cannot find any documentation proving this. You can still invest this money however you want, and you just defuse the tax bomb at the end (if anyone can find that documentation, please let me know). I did find that rental properties offer a lot of ways to reduce your adjusted gross income (management fees, advertising, etc), and these could reduce your income closer to zero. We’re not done here. Moreover, you could get a job that qualifies for Public Student Loan Forgiveness, enjoy your investments, and then pay for the 10 years. Be sure to convert all loans to federal before starting this tactic. I only put this as high risk, because the whole plan falls apart if Grad Plus loans get capped. Will they? Probably not, because those are the loans doctors and lawyers take out to go to their professional schools. It would take an act of congress to change the way the law stands now, but still, you should know that. This plan spans decades, so a lot can change. Also, having this many installment loans may lower your credit score over a multitude of years, but based on what everyone has found out here, it's not by much. For more information, go to this subreddit's search bar and type in "aggregate" and go look at BinaryAlgorithm's two posts on the subject.
Defusing the Student Tax Bomb: [low risk] So lucky for you, I talked to an actual lawyer and an actual IRS agent about this. This is completely legal and doable. Okay, so you were a good person and paid your IBR for 25-30 years. What now? Well, you’re about to be hit hard with a tax bomb. All of that money that is now forgiven counts as income on your taxes. This could mean a bill in the tens of thousands if you combined this with any of the other methods here—or just borrowed a lot to begin with. Luckily for us, there is something called insolvency. This means you are unable to pay your debts, and there is a really simple formula for whether or not you are insolvent. As long as you have more liabilities than assets at the time of student loan forgiveness, you are considered insolvent. In other words, right before you are about to be forgiven, like year 24 out of 25, you would take out a loan on something. All you would need to do is buy a house, buy a car, or buy something with a huge price tag. As long as your liabilities are way higher than your assets (like aim for 100K or something more), you are considered insolvent and you don’t have to pay any of the tax bomb. Boom. The IRS agent said this is fine. The lawyer said this is fine. I cannot believe this is fine. Where could you get the money to borrow for a house? Check Asset Creation method above. You could always sell the asset after the tax bomb is dealt with. For more information on defusing the student loan tax bomb: https://lawyerist.com/defusing-student-loan-interest-tax-bomb/
Getting Your Cosigner Off the Hook: So 90% of us have cosigners based on some statistic I read. These people are going to pissed at you, because they get harassed. If you have a lot of time to plan your strategy out, you can simply convert all of your private loans to federal ones. They are no longer responsible. The plan is above. Check out “Convert Private Loans to Federal.” Furthermore, if you are attempting to go the default route with private loans, you could potentially get your cosigner off the hook by refinancing your student loans without the cosigner. After you refinance, you could just default then. You would need good credit and meet certain requirements for this. Also, if you plan on defaulting, you might want to get your cosigner to transfer their assets to their spouse or someone trustworthy. Even though liens are rare, this could give you some peace of mind. As long as about 3-5 years go by, this is no longer considered a fraudulent transfer. Your state will have certain rules about this. If you are from Florida, apparently houses are untouchable there. You will need a lawyer to plan the asset transfer. At the same time, you may not be able to get your cosigner off the hook. Make peace with that. Student loans are brutal, so all you can really do is educate yourself and your cosigner and hope you come out on top.
Madlad Method: [high risk] Now, here comes my personal plan. This is what I’m doing, because I want to live a life on my terms and not really work for anyone my entire life. I’m also not a normal person, so this will probably appear crazy to some or most of you. So at this point, if you understand all of the methods before you, you are a powerful player in the student loan circus. You can do anything from fight the man to maliciously comply and bankrupt the system while becoming upper-middle class. I don’t really care for any of that. I want to go to a tropical paradise and make music for 20 years, so here is my interpretation of everything. I have some federal loans and private loans. I net about 25K a year through the Grad Plus loans, and I work about 4 hours a week in the online classroom. I take that federal loan money, and I sock away a few hundred every month to save up for my private loan settlement in about five years. Since I save 300 every month, I’ll have about 18K in 5 years when I go into default. I will settle ASAP. At the same time, I will continue to go to diploma mill universities, get master's degree after master’s degree, and move to a Latin American country where the cost of living is even lower. This way, my 25K a year puts me in the upper class of that country. I can live where I want and really do whatever I damn well please for as long as the Grad Plus loans are around. As an added bonus, I will already be starting a new life in another country where I can make connections and maybe even get married. I studied linguistics, so I know how to teach English. I can do that if I want a source of income anywhere. So there is my plan, and honestly, one day we might get someone in office who just wipes out all of this debt anyways. If that’s the case, I can just play the waiting game until all of this is over. Here are the rules on adverse credit history and Grad Plus loans: https://studentaid.ed.gov/sa/sites/default/files/plus-adverse-credit.pdf
Final Thoughts: Defaulting on student loans is not immoral or a sin. It is a business decision. Everyone else gets bailouts, why should student borrowers be any different? You’re going to have to ignore the people who tell you why they think you should be a good little slave and pay your loans. Those people are not your friends. Those people are not on your side. Some of the best advice I ever received in life was you have to do what’s best for you. Also, if you have anything you would like to add to this or would like to challenge, please let me know. I want this to be as accurate as possible. I will be looking at this perpetually to make sure there are no errors. Take care. Good luck. You can do this.
submitted by I_Ride_A_Nimbus to StudentLoanEscape [link] [comments]

Results of First Official /r/Chihayafuru Survey

On May 3rd, 2020, a survey was conducted on /Chihayafuru. This was the first official survey held in the community, the results of which can be found here.
A total of 173 people responded over the 10 days this survey was open.
Wiki Post with easy navigation
/Chihayafuru's Favourite Shoujo and Josei Anime/Manga
/Chihayafuru's Favourite Anime and Manga (excluding Shoujo and Josei)

Demographics

Age Demographics

Age Range Percentage (Number)
25-34 years old 38.4% (66)
20-24 years old 34.9% (60)
17-19 years old 16.9% (29)
35+ years old 5.8% (10)
12-16 years old 3.5% (6)
Under 12 years old 0.6% (1)
A total of 172 people responded to this question. The results are surprising, to say the least. The median age trends much higher than that of other anime communities with most people being in their 20's and 30's. We have a decent number of teenagers but most people here are adults.

Gender Demographics

Gender Percentage (Number)
Male 56.6% (98)
Female 41% (71)
Prefer not to say 1.2% (2)
Non-binary 0.6% (1)
Agender 0.6% (1)
All survey respondents answered this question. The male majority was expected since reddit is predominantly male. Still, the somewhat balanced demographics are refreshing to see considering most communities are far more skewed towards male (/anime is 85%+ male for instance) although our numbers may be lower.

Country Demographics

Country Percentage (Number)
United States 38.8% (64)
India 6.7% (11)
Philippines 6.1% (10)
United Kingdom 5.5% (9)
Canada 5.5% (9)
Germany 3% (5)
Brazil 3% (5)
Australia 3% (5)
France 1.8% (3)
Sweden 1.8% (3)
Norway 1.8% (3)
Malaysia 1.8% (3)
Other 21.2% (35)
165 people answered this question. There's an even split between NA and other timezones. Roughly half the community lives in NA while the other half is divided between other regions. A surprising amount of people come from SEA regions.

Chihayafuru Related

When did you first get into Chihayafuru?

Answer Percentage (Number)
Between 2013 and 2018 (before Season 3 announcement) 38.2% (66)
Between 2018 and 2019 (before Season 3 aired but after it was announced) 16.8% (29)
Around/before Season 1 started airing in 2011 12.7% (22)
While Season 3 was airing 12.1% (21)
After Season 3 had ended 12.1% (21)
Between 2011 and 2013 (before Season 2 aired) 4.6% (8)
While Season 2 was airing in 2013 3.5% (6)
All survey respondents answered this question. Considering that 72.8% of our users have been watching anime for longer than 5 years, it makes sense that many of them would get into it so early considering its status as a sleeper hit and older fans' willingness to check out less mainstream anime. Many people seem to have picked it up after the Season 3 announcement, likely owing to seasonal culture becoming more widely adopted. Overall, we seem to have quite the mix of veteran and new fans.

Which of these made you watch Chihayafuru?

Answer Number
I watched it without much outside influence 70
Fan response/discussion on /anime or other forums 33
The MyAnimeList score 31
That one ProZD Video 29
Recommendation/Gift from friends/others 25
Anime Youtubers/AniTube in general 12
Ads and Promotions on Streaming Services 7
170 people answered this question. It was the first question where you could write-in an answer. Most write-in answers were grouped together since many people mentioned various blogs/websites which were grouped into "fan response" while people who found it on their own regardless of why they were looking for it were grouped into "watched without much outside influence." As a result, that answer dominates because as Chihayafuru isn't a major topic in other online communities, many people end up discovering it on their own whether they're looking for sports, josei or romance.

How have you watched the Chihayafuru anime?

Answer Percentage (Number)
Illegal streaming/torrenting/sailing the high seas 59% (98)
Legal streaming 55.4% (92)
Physical BDs/DVDs 4.2% (7)
166 people answered this question. More than half have streamed Chihayafuru legally although many of them have pirated it on occasion. Only 7 people own the physical BDs/DVDs.

Which of these translations do you prefer for the Chihayafuru anime?

Answer Percentage (Number)
I don't favour one or the other 50.9% (83)
Official Translation 31.3% (51)
Fan translation by Commie 17.2% (28)
Other 0.6% (1)
163 people answered this question. Aside from people that don't favour either translation, it's strange that so many prefer the official translation when Commie goes above and beyond with typesetting, translating signs and karaoke. Either way, it seems like people have issues with Commie's work or they have not checked it out and prefer the translation on Crunchyroll.

Which season of Chihayafuru is your favourite?

Answer Percentage (Number)
I don't have a favourite 29.1% (50)
Season 3 27.3% (47)
Season 2 22.1% (38)
Season 1 12.2% (21)
My favourite season is still unadapted 9.3% (16)
172 people answered this question. With Chihayafuru being a single narrative that isn't traditionally divided into arcs, it's natural that a large percentage of people don't have a favourite. Season 3 appears to be the most-well liked season and there's yet a considerable number of people that are more interested in unadapted events.

Which Chihayafuru anime OP is your favourite? (Please consider both song and visuals)

Answer Percentage (Number)
YOUTHFUL 45.9% (79)
I don't have a favourite 20.3% (35)
COLORFUL 19.2% (33)
STAR 14.5% (25)
172 people responded to this question. YOUTHFUL seems to be the most beloved OP. It's often considered synonymous with the series and repeated quite often which is common in sports anime. A large number of people don't seem to have a favourite OP while the rest are in much closer contention with each other.

Which Chihayafuru anime ED is your favourite? (Please consider both song and visuals)

Answer Percentage (Number)
I don't have a favourite 33.3% (57)
Hitomebore 31.6% (54)
Soshite Ima 21.1% (36)
Akanezora 14% (24)
171 people responded to this question. People seem to be more indifferent towards Chihayafuru EDs compared to OPs which does make sense because a lot of anime fans do skip EDs. This could be a poll option in the future. Season 3 ED seems to be the most favoured one with Season 1 ED only just behind. No overwhelming majority for any option in this case.

Do you read the Chihayafuru manga? If so, how?

Answer Percentage (Number)
I exclusively read for free on manga aggregate sites/sail the high seas 48.8% (82)
I am an anime-only 31.5% (53)
I buy the volumes legally but read ahead of the official translation via other means 16.7% (28)
I buy the volumes but don't read scanlations 3% (5)
168 people responded to this question. We clearly have more manga readers here than anime-onlies and a considerable number of people seem to buy the volumes even though they read the scanlations.

Have you watched the Chihayafuru live action movies?

Answer Percentage (Number)
No 73.3% (126)
Yes 14.5% (25)
Only some of them 12.2% (21)
172 people answered this question. Quite an overwhelming number of people haven't seen them while a fair few haven't seen all of them. People seem to be largely indifferent about the live-action medium but the movies aren't exactly known for their quality so maybe it's better this way.

Who is your favourite Chihayafuru character?

Answer Percentage (Number)
Mashima Taichi 43.9% (75)
Ayase Chihaya 20.5% (35)
Wataya Arata 11.1% (19)
Wakamiya Shinobu 8.2% (14)
Ooe Kanade 4.7% (8)
Harada Hideo 3.5% (6)
Suo Hisashi 1.8% (3)
Sudo Akito 1.8% (3)
Nishida Yusei 1.2% (2)
Hanano Sumire 1.2% (2)
Yamashiro Rion 1.2% (2)
Sakurazawa Midori 0.6% (1)
Inokuma Haruka 0.6% (1)
Komano Tsutomu 0% (0)
Tsukuba Akihiro 0% (0)
Kinashi Hiro (Retro) 0% (0)
Other 0% (0)
171 people answered this question. Taichi seems to be the favourite for roughly half the subreddit while Chihaya and Arata seem to have a lot of support. For side characters, Shinobu and Harada perform well for their limited screentime. On the bottom, you have the unloved who received 0 votes although one of them really does deserve it.

Do you ship characters in Chihayafuru? If so, which ones?

Answer Percentage (Number)
Chihaya x Taichi 47.4% (82)
Chihaya x Arata 30.1% (52)
Kana x Tsutomu 28.9% (50)
I don't ship characters 22.1% (38)
Chihaya x Taichi x Arata 3.6% (6)
Shinobu x Arata 3% (5)
Chihaya x Shinobu 2.4% (4)
Sumire x Taichi 1.2% (2)
Chihaya x Sudo 1.2% (2)
Taichi x Shinobu 0.6% (1)
Arata x Taichi 0.6% (1)
Shinobu x Suo 0.6% (1)
Sudo x Taichi 0.6% (1)
All survey respondents answered this question. That was an absolutely clusterfuck to figure out with all the weird answers I got. All the Character x Happiness answers were grouped into I don't ship characters and most ships that made sense are listed out here. I expected more people to not ship characters but it seems that the top 3 ships are significantly more popular than staying neutral.

Which medium do you prefer for Chihayafuru?

Answer Percentage (Number)
Anime 81.4% (140)
Manga 18.6% (32)
Live Action 0% (0)
172 respondents answered this question. Anime seems to be the preferred medium for most people. This is by far the most overwhelming majority for any one response throughout the whole survey meaning people are really satisfied with Morio Asaka's work on the Chihayafuru anime. On the other hand, there isn't a single soul that prefers live action despite a considerable amount having seen those films.

Is Chihayafuru your favourite anime/manga?

Answer Percentage (Number)
It's definitely up there 72.3% (125)
Yes, it's the best 16.8% (29)
I've seen better 7.5% (13)
The anime is in my favourites (not the manga) 2.3% (4)
The manga is in my favourites (not the anime) 1.2% (2)
All survey respondents answered this question. Unlike more mainstream anime communities, there isn't an overwhelming number that has Chihayafuru as their favourite anime ever even if the vast majority has it among their favourites. It speaks more to the community's maturity as anime fans rather than a lack of dedication when you consider that Chihayafuru fans are likelier to be willing to try out a more diverse array of shows.

How would you rate Chihayafuru on a 1-5 scale?

Answer Percentage (Number)
5 65.3% (113)
4 33.5% (58)
3 1.2% (2)
2 0% (0)
1 0% (0)
All survey respondents answered this question. Most people seem to have it at a perfect score while a fair few rate the series closer to perfect. Pretty much expected results all around.

How much Chihayafuru merch do you own?

Answer Percentage (Number)
None 80.1% (136)
Physical manga volumes 11.8% (20)
Karuta cards 11.2% (19)
Soundtracks or OP/ED singles 4.7% (8)
BDs/DVDs 4.7% (8)
Storyboards/Lineart/Official Art 0.6% (1)
Other merch 3.6% (7)
170 people answered this question. The lack of availability for merch is quite evident but some people haven't let that stop them.

What are your opinions on the Chihayafuru fanbase?

Answer Percentage (Number)
Minor gripes aside, I love most aspects of the fanbase 49.1% (78)
It has its problems but so does every fanbase 28.9% (49)
I love the fanbase unconditionally 20.1% (32)
The fanbase is worse/more toxic than others 1.9% (3)
159 people answered this question. Most people seem to acknowledge that parts of the fanbase has problems. However, most fanbases do and they're still happy to be a part of it. Some do love it unconditionally and very few seem to think it's overly toxic. Overall, a really mature response.

Other anime and manga

How many total anime have you completed to date?

Answer Percentage (Number)
100-250 30.4% (52)
50-100 25.1% (43)
250-500 17.5% (30)
Less than 50 13.5% (23)
500-1000 7.6% (13)
1000+ 2.9% (5)
I don't know/don't watch anime 2.9% (5)
171 people responded to this question. It's a bit surprising to see that most people's numbers aren't super high considering the relatively high mean age and Chihayafuru's more niche status. Still, give it a year and a lot of these numbers could crank up during the COVID pandemic.

How many total manga have you completed to date?

Answer Percentage (Number)
Less than 50 59.1% (101)
50-100 17.5% (30)
100-250 7% (12)
250-500 7% (12)
I don't know/don't read manga 4.7% (8)
500-1000 2.9% (5)
1000+ 1.8% (3)
171 people answered this question. It's pretty evident that people read manga a lot less than they watch anime here. Still a lot of people that have read a lot despite the nature of a lot of manga to publish for many years.

How long have you been watching anime/reading manga?

Answer Percentage (Number)
10 to 20 years 34.7% (60)
5 to 10 years 31.8% (55)
2 to 4 years 22% (38)
20+ years 6.4% (11)
Only for a year 4% (7)
I only started a few months ago 1.2% (2)
All survey respondents answered this question. Most people are older anime fans despite not having very high numbers as I pointed out earlier. Very few people seem to have started watching recently. It is rather bleak prospects as a lot of newer anime fans seem to be less willing to step outside of their comfort zone and discover shows like Chihayafuru. We can only hope this changes as time passes.

Which of the following are you particular about?

Answer Percentage (Number)
I am willing to watch any anime regardless of age and popularity 79.9% (135)
I do not watch anything from the 90's or earlier 9.5% (16)
I do not watch anime from the 80's or earlier 7.7% (13)
I only watch very recent popular anime 1.2% (2)
I only watch anime seasonally 1.2% (2)
I do not watch anything made before the 2010's 0.6% (1)
169 people answered this question. As overwhelming as the response is for most people being willing to watch anything, it's still strange to see a considerable number still refuse to watch oldeless popular anime despite being fans of a less popular show that will inevitably fall off the radar of newer anime fans. Y'all need some Cardcaptor Sakura, Utena and LoGH in your lives.

Which of these mediums do you actively consume?

Answer Percentage (Number)
Anime 95.9% (164)
Manga 68.4% (117)
Live action TV/Movies 23.4% (40)
Light Novels 21.6% (37)
Visual Novels 14.6% (25)
171 people answered this question. Very high interest rates for anime and manga aside, live action TV and movies are more preferred to LNs and VNs despite both being a part of the animanga-sphere.

Do you consume shoujo and josei media?

Answer Percentage (Number)
I like a lot of shoujo classics 58.1% (97)
I like prominent josei anime 39.5% (66)
Chihayafuru is the only shoujo/josei anime I like 22.2% (37)
167 people answered this question. Over half the respondents love their shoujo classics and a fair few are into josei as well while a lot of them go out of their way to read shoujo and josei manga. Fairly nice results considering the larger anime community's indifference to media that falls under these demographics.

Do you like sports anime/manga other than Chihayafuru?

Answer Percentage (Number)
I only watch sports anime if they look good/are critically acclaimed 40% (68)
I actively consume a lot of sports anime/manga 38.8% (66)
Chihayafuru is the only sports anime/manga I like 12.4% (21)
I only like Haikyu!! and Chihayafuru 8.2% (14)
I only watch anime featuring sports I've played 0.6% (1)
170 people answered this question. Considering that sports anime are largely ignored by the larger anime community and Haikyu!! is often considered the 'exception', it's good to see that mindset isn't incredibly prevalent here (although it could be less prevalent yet). I'd kinda like to poll people on their favourite sports anime and make a recommendation wiki entry on that too at some point.

Which shoujo and josei anime/manga would you recommend to Chihayafuru fans?

We had 59 responses for this question. I have created a shoujo and josei recommendation wiki based on these responses. The cutoff was 2 votes. Some suggested entries that weren't shoujo or josei were excluded from the wiki.

Shoujo and Josei Recommendation Wiki

What are your favourite anime and manga aside from Chihayafuru?

We had 117 responses for this question. Similar to the shoujo and josei wiki, I have created a general recommendation wiki for the responses to this question. Unlike the shoujo and josei wiki, the cutoff here was 4 votes to keep the number of entries down.

General Anime/Manga Recommendation Wiki

submitted by EpicTroll27 to chihayafuru [link] [comments]

TrapoChapHouse just released a user survey. It's about what you'd expect. tl;dr inside

As part of a 125000 subscriber special, ya bois in CTH released a survey(archived) of their users. If you've been wondering what makes the average commie tick, there's some good info to be gleaned here.

Data

The survey had a total of 6,672 responses as I write this - this was a self-select poll, so there should be some skew expected, but we can expect this to be more than a representative sample, with a 1.53% margin of error at a 99% confidence level.

Age

Nearly 2/3 (61.5%) of CTH users are at or under under the age of 25, with the single largest group being 18-21, at 26.4%. More than a third (36.6%) are at or below the legal drinking age.
Reddit, on the other hand, has the largest category of its users in the 30-49 age range at 34%, and 22% between 18 and 29. https://www.techjunkie.com/demographics-reddit/#Age_and_Gender.
Chapo's userbase is therefore a great deal younger than most of Reddit.

Gender

Mostly guys - 79.6% male, 12.4% female. This shows a troubling lack of representation, being more skewed Male than Reddit as a whole at 67-69%.
Chapo, for all their bluster, is another patriarchy-dominated space with comparatively little female representation. Yikes. Perhaps women just aren't into advocating murder?
The next option down is mentally ill non-binary with 5.6%, with a smattering of troll answers and "rather not say" claiming the last 2.4%.
Speaking of mental illness, nearly one in ten (9.2%) identify as transgender, with that number going up to 13.1% if we include the "I am unsure" responses. (Quick show of hands, who here is sure whether they're trans or not?)

Race

Mostly white, as if that were a surprise. 77.6% of Chapos are white. Going down the list from there, we have 6.3% Hispanic, 2.8% black, 2.5% Indian (dot, not tipi), 2.3% Arab, 2.1% east Asian, with smaller groups claiming insignificant percentages from there.
This makes CTH less diverse than Reddit, which is 65% white, 15% hispanic, and 12% black as its largest groups.
So, we can conclude that Chapo is not only sexist, it is also racist. After all, big tech has taught us that identity is everything, and it's the color of your skin, not the content of your character, that matters.

Mental illness (again)

Nearly a fifth (18.6%) of Chapos identify as "neurodivergent". If that sounds like some bit of intersectional pomo newspeak horseshit, you'd be right.
The classification of neurodivergence (e.g. autism, ADHD, dyslexia, bipolarity) as medical/psychiatric pathology has no valid scientific basis.
In any case, you can substitute this term for the phrase "mental illness", either self-diagnosed or otherwise, and be correct.

Celibacy

51% of Chapos engage in a bit of the old in out in out, while 49% are some variety of incel.

Language

13.6% of Chapos do not speak English as their primary language. Given the USA's most common language is English, 80% of the time, some percentage of these people are likely not US citizens. We'll get back to that in a minute.
I'd be willing to bet, but cannot prove, these are the people most vocal about how the US should be run.

Religion

Okay, before reading further, just guess what the primary religious beliefs of the average ersatz-communist is.
Guesses made?
50.8% of Chapos claim to be atheist, with a further 26% claiming to be agnostic (a pretty meaningless term).
So, communists are mostly godless. This isn't exactly unknown.
As to the remaining 76.8% of Chapos who don't disclaim religion outright, 7.6% (with some sub-0.1% amount +/- since the chart doesn't go into detail on the tiniest responses) claim some sort of Christianity.
Someone wanna explain that one to me?
Comparing that to Reddit.. there's not a lot of good data. We can make a guess though, given the general popularities of /atheism vs /christianity (and its offshoots like /catholicism and /orthodoxchristianity). The educated guess would be that Reddit skews atheist, but it's impossible to say with certainty how this stacks up vs Chapo.

Country

67.6% of Chapos live in the USA, which means just under a third (32.4%) live outside the country. The largest group of the non-Americans are A FUCKING LEAF (Canada) with 6.6%, the limey Brits claiming another 6.6%, and Old Zealand with 3.6%.

Where in the USA (is Carmen Sandiego?)

The single largest region claimed by Chapos is the Midwest, with 22.7%, followed by northeast at 19.6%, southeast at 13.7%, and the west coast with 11.8%.
If we divide the entire group of respondents into whether they're "coastal" or not, that gets us roughly 56.9% (plus or minus a few, since the region categories are fuzzy).
Either way, the "coastal left" stereotype seems mostly confirmed.

Education conditions

The "do you have a degree" split is right down the middle, with 50.5% of Chapos having no degree, and 49.5 having an associates or better. The largest category, 29.8%, has a bachelors.
5.7% of Chapos never finished high school, and 29.2% started and never finished college.

Employment

Place your bets..
40% of Chapos are unemployed or employed less than full time.
18.5% claim "employed student", but this could be either full or part time. Given what communists think of capitalism and hard work, the answer is likely part, but it is not possible to say definitively from the answers.
If I make the easy generalization and say that those employed students are all working part time, the previous figure jumps to 58.5% of Chapos being unemployed or employed less than full time.
35.6% are employed full time or self-employed. You may now proceed to speculate about what "self employment" is for a capital-hating communist.

Finances

Now we get to the good stuff.
43% of Chapos make less than 20K a year. Given the previous stat that places most of them in coastal areas, likely with high costs of living, I would venture an educated guess that most are below the poverty line.
Remember that 30K a year is $15/hour before taxes. With that line in the sand drawn, it means that 44.3% of Chapos are making at or below entry level wages.
A few of them (4.6%) claim to make more than $100K a year. These users should leave immediately, because they'd be first up against the wall when the communist revolution takes hold.
94.7% of Chapos are in some kind of debt with 48.2% of that debt being, unsurprisingly, student loans. 42.2% of Chapos have a debt value below $1K, with 52.5% having more than that.
71.8% describe their material conditions as "comfortable" or "adequate".

Living conditions

Again, place your bets, and get ready to have a stereotype confirmed
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41.9% of Chapos live with their parents!
20.8% live with friends or roommates, with an additional 20% living with a significant other. 13.7% live alone.
Only 8.9% of Chapos are homeowners.

Ideology

Some form of extreme leftism is, shockingly enough, the most common ideology claimed.
This was clearly a "pick multiple" answer because the percentages given go above 100%, but "democratic socialist" was the most common choice with 35.2%, 22.2% communist, 18.1% Marxist, and so forth.
2% actually claimed Juche (the extreme socio-political system North Korea runs under) - whether this was for pure meme value or sincerely held, it's hard to say.
54.2% of Chapos claim to be a member of a political part or organization.

Voting

Only 37% of Chapos voted in the 2016 primaries. Of those that couldn't:
30.4% were not American (shock!) 18.2% were too young 12.1% just didn't vote 2.3% lost the right to vote
(These numbers are roughly the same for voting in the Presidental election, only varying by a few percent)
Speaking of which, 52.7% of Chapo voters voted for Bernie, with 39.9% voting for Hillary during the primaries. WHen it came to the presidential election, 45.4% voted for Hillary, with a full third deciding not to vote outright once Bernie was out of the running.
Maybe CTH should shut the fuck up about American politics if they can't/won't exercise their ability to do anything about it?
If the Dem primaries were held today, 71.8% of Chapos would vote again for Bernie.

Conclusions:

The average Chapo:
submitted by Shadilay_Were_Off to ShitPoliticsSays [link] [comments]

Where’s the best place to live in light of collapse?

Ok we are 323 comments in on the collapse post and 98% didn’t bother to make even a slightly thoughtful answer. So... i guess i will be the change i want to see in the world
First off, If you are the fatalistic nihlistic type you can just go where you think it will be nice to die, maybe that is with friends and family, maybe it is on a beach in mexico, or feeding your body to the last polar bear. For everyone else that still has the instinct and drive for self-preservation….
What are the best places to be leading up to or during collapse?

First let's question the question.

What difference does it make to know "What are the best places to be leading up to or during collapse"?
The answer is dependent upon your own personal situation. Your personal situation has limiting factors.
Your personal Limiting Factors constrain you usually somewhere between those extremes, everyone has different options.
If we assume you are asking the question "What are the best places to be leading up to or during collapse" because you want to have the best standard of living available for as long as possible or simply survive the incoming population bottleneck, then the practical question becomes ...
"What are the best places to be, leading up to or during collapse, that i can get to, and establish myself in such a way that I can maintain the best standard of living possible for as long as I can or simply increase my probability of surviving the incoming population bottleneck."
It is important to ask this question to constrain the search space to the possible. It makes fuck-all difference if a somali goat herder knows about the ToP SeCret ElitE mULtibiLLioNaIre New ZEaLand sOUth IsLaNd ReDoUbt BuNkeR CoMmUnITy It is not going to help him and should not be in the search space as a survival strategy.
TL:DR Constrain your search space to what is realistically achievable for you.
  1. Start with your baseline probability of survival and increase it.
  2. Don't let a search for "best place" stop you from achieving "good enough place" or "better than where i was previously place".
  3. You are just trying to be an early adopter of increasing your survival probability stats before the non collapse-pilled masses.
  4. Think of surviving bottlenecks like surviving a charging bear attack, you don't need to be able to outrun the bear, you only need to be able to outrun the slowest people in the group up to the point the bear's appetite is satiated.
  5. Remember working with others can leverage group synergies and massively increase the realistic capabilities, but this requires you establish social cohesion with sane cooperative people that have a similar goal orientation. /greencommunes
.............................................................................................................
What are the best places to be, leading up to or during collapse, that i can get to, and establish myself in such a way that I can maintain the best standard of living possible for as long as I can or simply increase my probability of surviving the incoming population bottleneck."

Ok now lets question the new question some more...

In order to answer this we need to untangle some of the subjective and objective elements.
The objective elements of human survival are well known.
Optimizing location is a series of subjective trade-offs. There is no perfect place, they all have advantages and disadvantages.
So you must decide your personal preference of which goods and bads you most desire and what your scenario expectations are of the future.
Your personal preferences and collapse expectations mean the “best area” is specific to you.
What you can achieve and what do you desire, find the overlap between the two, then do research to find the place that gives you the most goods with the least bads and increases your probability of survival and standard of living.
One of the best strategies is to adapt yourself to your local circumstances to take advantage of the advantages, and plan ahead to mitigate the disadvantages, it is really all most people can do for themselves.
Do you like not living in unbearable heat, maybe moving to greenland is NOT a better option than just buying 400watts of solar panels and attaching it to a small efficient AC that keeps one room of your house cool even during summer electricity blackouts. Most problems have multiple solutions, it is worth it to take time and think about things from an economic perspective and different time horizon perspectives.
Increasing your optionality is better than narrowing it when it comes to survival, rather than the binary thinking, of “go way out into the northern mountains, farm and live in a bunker” versus “be a full time yuppie and ignore collapse issues”. Getting 2 acres you can put a cheap used rv camper on and go do permaculture on during weekends, near enough your place of employment/where you live, is probably a better plan. Indeed the small dacha’s and country gardens helped many people survive the collapse of the USSR. They would spend weekends and haul potatoes/veggies back to the city with them on the bus. Hedge your bets to cover the most scenarios including the most likely scenarios like losing your job or getting in a car accident. Survival and thriving always has and always will involve dynamic adaptation.
Here is a very short list of some of potential trade-offs that you may need to think about and some brief descriptions of how they can affect things. This is NOT meant to be a systematic or exhaustive analysis, this is just me stream-of-conscious flowing on strong coffee to help others start thinking about it for themselves. There are unlimited variables
Most of these maps are of the USA. If you have other maps please post them in the comments and i will edit this post to squeeze them in. From these maps and a little critical thinking you can figure out where is best for YOU. If you need to figure something out go to google images and search for maps it is easier than ever to find what you need. But remember the map is not the territory, there are great spots maps don't have the resolution to show.These are just some random things i pulled up real quick. mapporn is a good source
https://gain.nd.edu/our-work/country-index/
https://ourworldindata.org/charts
https://ucanr.edu/blogs/dirt/blogfiles/37486_original.jpg
https://www.plantmaps.com/
There are a lot of submaps,for example if you click california then it brings first and last frost date maps, heat maps etc…
http://www.bonap.org/
On the left hand side there are lots of links to climate and biogeography maps
https://www.firelab.org/sites/default/files/images/downloads/whp_2018_classified_midsize.jpg
Firehazard map
https://imgur.com/a/drI7nZB middle of nowhere
hdd+cdd= change in energy requirements for climate control https://energyathaas.files.wordpress.com/2017/10/caldeira.png
https://fitzlab.shinyapps.io/cityapp/ Find out what your city will be like in 60 years
human development index https://imgur.com/a/VDmTac7
https://imgur.com/a/XoGw1Ic solar and wind potential combined
https://imgur.com/a/97XEe22 1% of population lives here
https://imgur.com/a/Ki4Zegq land quality
https://imgur.com/a/kYzus5H Fig. 2 Spatial distributions of projected damages. County-level median values for average 2080 to 2099 RCP8.5 impacts. Impacts are changes relative to counterfactual “no additional climate change” trajectories. Color indicates magnitude of impact in median projection; outline color indicates level of agreement across projections (thin white outline, inner 66% of projections disagree in sign; no outline, ≥83% of projections agree in sign; black outline, ≥95% agree in sign; thick white outline, state borders; maps without outlines shown in fig. S2). Negative damages indicate economic gains. (A) Percent change in yields, area-weighted average for maize, wheat, soybeans, and cotton. (B) Change in all-cause mortality rates, across all age groups. (C) Change in electricity demand. (D) Change in labor supply of full-time-equivalent workers for low-risk jobs where workers are minimally exposed to outdoor temperature. (E) Same as (D), except for high-risk jobs where workers are heavily exposed to outdoor temperatures. (F) Change in damages from coastal storms. (G) Change in property-crime rates. (H) Change in violent-crime rates. (I) Median total direct economic damage across all sectors [(A) to (H)].
https://i.redd.it/x9a2x7627vm31.png Nuclear targets
https://i.redd.it/s8stxdk9a6i31.jpg Chernobyl fallout, demonstrates the nonlinear patterns of distribution
https://i.redd.it/al06n7nofwi21.png Reliance on nuclear energy.
https://i.imgur.com/AbcjwaD.jpg
https://imgur.com/6o2XcHD
https://i.redd.it/jvp1e7maxhr01.jpg Global solar potential
https://i.redd.it/zk0hbo2bhf4z.png Renewable electric supply
Power plants http://i.imgur.com/esUA6iN.jpg
https://i.redd.it/6s781fax1cs21.jpg Red and orange have same populations
https://i.redd.it/cbndvblgz0x21.jpg Agricultural suitability
https://i.redd.it/cpkaqv5h11d31.jpg how america uses its land
https://i.redd.it/2w1va9h2w7431.png Life expectancy by congressional district
https://i.redd.it/kgrz9rweksx21.jpg food for humansgreen versus animal feed purple
https://i.imgur.com/TOlZ2SD.gif line that separates wet and dry USA
https://imgur.com/oqJXKsV Is food a human right? See paupericide
https://i.redd.it/xbvng0ul8nz01.jpg food self sufficiency
https://www.researchgate.net/publication/315066937/figure/fig2/AS:[email protected]/Worlds-hybrid-PV-Wind-power-plant-cumulative-FLh-map.png combination wind+photovoltaic capacity
https://www.nasa.gov/centers/goddard/images/content/95539main_fig1.jpg human appropriated net primary productivity
https://www.nasa.gov/centers/goddard/images/content/95543main_fig2.jpg avoid the pink and orange unless your strategy is cannabilism in fast or hard crash.
https://nimaehsani.files.wordpress.com/2016/03/water_scarcity_map.jpg?w=748 water shortage
https://upload.wikimedia.org/wikipedia/commons/8/84/Global_malnutrition.png malnutrition
https://science.sciencemag.org/content/sci/354/6309/aaf8957/F5.large.jpg
submitted by MakeTotalDestr0i to collapse [link] [comments]

Student Loan Default: The Guide (reuploaded)

The original guide that was recently deleted here: https://www.reddit.com/studentloandefaulters/comments/cg1fd7/student_loan_default_a_guide/
I take no credit for this post, just happened to have it saved in a document and thought I'd be doing an injustice by not sharing this information once I saw the original post was missing! All credit goes to the original author, and without further ado...
​
Student Loan Default: A Guide
I’ve been wanting to write this for a long time, and seeing that person be in $500,000 of debt and no one really helping him on studentloans, I felt it was time to summarize everything I’ve learned. While there is great information on this sub, it is not centralized. It requires some digging. I hope now to bring all of it to the surface.
​
Definitions:
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Strategic Default: When a borrower realizes that he or she can spend less money by not paying a loan. The borrower waits out the statute of limitations and then either settles or waits the debt out.
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Shills: People who are paid to prevent the spread of student loan default information
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Statute of Limitations: The number of years your state requires before a debt can no longer be collected.
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Cosigner: The poor person who is just as legally required to pay your loans as you are
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Foreign Earned Income Tax Exclusion: A tax rule that states any US citizen can earn up to about $100,000 a year in another country and report their US taxes as 0.
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Fraudulent Transfer: When a party tries to move assets to someone else in order to avoid a lien on their property.
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Lien: Essentially when the government slaps a bill onto your property forcing you to pay off a debt before you can sell the property.
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Income Based Repayment (IBR): Federal loans can be paid with 15% of your discretionary income (money earned after taxes) instead of a higher, unpayable amount
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Aggregate Student Loan Limit: The total amount a student can take out before the federal government or a private lender stops authorizing new loans
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Wage Garnishment: When a court forces your employer to take out a certain percentage of your paycheck to pay back a debt
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Bank Levy: When the government or a court takes all of the money directly out of your bank account to pay a debt
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Private Loans: Loans that originate from anyone but the federal government. These loans have a statute of limitations and less power but higher interest rates.
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Federal Loans: These loans have no statute of limitations, the government can collect anything you earn to get these back, and they come with IBR which is manageable
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Sallie Mae: The worst private lender on the market. They only offer deferment for four short years.
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Forbearance: A period where you do not have to pay your student loans, but interest accrues.
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Deferment: A period where you do not have to pay your student loans, but interest does not accrue.
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Credit Score: A number that tells people how responsible of a borrower you are.
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Student Loan Tax Bomb: After you have paid for 10 - 25 years on your federal loans, you are forgiven the rest. That is considered income by the IRS. You then add this “income” to your regular income for the year and pay the tax. It can be over $10,000.
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Insolvency: When you are unable to pay your debts. This works well for defusing the student loan tax bomb.
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Public Service Loan Forgiveness: If you work for 10 years at a government job, you can get your entire federal student loan balance forgiven. In 2019, the feds are making it near impossible to collect. This could change.
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A note on cosigners before we begin: Look, your cosigner is probably going to be very mad at you. Prepare for your relationship to be strained. You need to try and get them on the same page as you, and I do offer a tactic here to at least shift all of the financial burden off of your cosigner below. If you decide to do any of these tactics without getting your cosigner off the hook, there could be more risk involved if you or your cosigners have a lot of assets.
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Strategy
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Student loan default is a strategy. And to have a good strategy, one must plan as much as possible. You have to know all of your options. While strategy is your overall game plan, tactics are the individual options you have to get your strategy accomplished. Below are the tactics that you can employ to beat the student loan companies.
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Tactics
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Paying Your Loans: [low risk] In the rare chance you have anywhere between $1,000 to $20,000 in federal student loans and you have completed your bachelor’s degree, you should probably just pay the damn loans. All you have to do is set up an auto debit and forget about it. It will be about 15% of your income. You really want to try and avoid consolidating if you can, because it will count against some of your IBR payments. You would also lose your grace period if you did this. At the end of 10 to 25 years, you will be forgiven all of the loan amount you did not pay. That forgiven amount is considered income by the IRS, so you will be put into a higher tax bracket. I would get an accountant when this comes. In your case, your tax bomb will be low enough where you could probably just pay it. If you want to really shake things up though, you are welcome to try either the Asset Creation Tactic or the Madlad Method below. Here is more information on Income Based Repayment: https://www.studentdebtrelief.us/repayment-plans/income-based-repayment-plan/
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Default Private IBR Federal (Staying Put): [low risk] The standard strategy here on studentloandefaulters. As mentioned above, for the federal loans, it’s best to just IBR and automatically debit your bank account each month and forget about it. For the private loans, this is where the game begins. Your overall plan here is to default, wait out the statute of limitations in your home state, and either settle the debt for less than 30% or just hope they leave you alone and you don’t pay at all. From this moment on, whatever you would have paid for your private monthly bill, sock that money away. Once you go past 120 days of no payments, you are in default. This is where the phone calls come in. They will start to harass you. They will call your work, your cell phone, your cosigner, etc relentlessly. Most likely, they’ll start doing this before you get to default. As they call you, you can either just give them the cold shoulder or start immediately acting like you do not own the debt. Never admit that you own the debt. Tell them you think they are crazy and have the wrong person. Inform your cosigner to do the same. Once your loans are sold to a collection agency, wait until they call you and ask for verification of the debt. If they do not provide it, you won. Chances are, they will be able to verify it, so just make sure you never admit to the debt on the phone or make a payment. If you make a payment, you’ll reset the statute of limitations. Do not give them five dollars, two dollars, a penny. If they do sue you, show up for court. Get a lawyer if you can afford it. You have to show up to court, or they win automatically. Even if you don’t have a lawyer in court, you need to make them verify the debt. You could still lose here. If you do lose in court, go to my tactic of “The Cat and Mouse Game.” They are playing a numbers game, and if you are harder to sue than John Smith down the street, they may prey on him or her instead of you. Now, there are four states in the United States that do not have wage garnishment: Pennsylvania, North Carolina, South Carolina, and Texas. You could move there, and if you have barely any assets, you are considered judgement proof. This means you’re not worth the time to be sued, because you have nothing to take and cannot be garnished. Moving is hard, though, so that’s a personal decision. Also, from what I understand, if you do move to these states, you can switch your statute of limitations over to their states which may be less time until you cannot be sued anymore. If you do lose and just want to stop here, you could get your bank levied and you could be slapped with up to a 25% wage garnishment until paid in full Clarification: a lot of people do not ever get garnished, and bank levies are rare (they are non-existent on federal loans). Do not let this freak you out!. I repeat this is super rare and not likely to happen. Anyways, you have options at this point. If it does happen, try another tactic like leave the country or cat and mouse below.
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Default Private Default Federal: [medium risk] Some of the wilder people have attempted to default on both federal and private loans in order to do a cash settlement. The same strategy above in Default Private IBR Federal applies, but realize that the US government could just step in and do an administrative garnish on you eventually. If you were living some sort of cash existence, you could potentially avoid them and then write them a money order and settle for 30% or something. This way, you avoid the tax bomb and would probably pay a lot less interest overall. If you do this and it works, I would love to hear about it.
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Cat and Mouse: [medium risk] So, you want to avoid getting sued or you lost a judgement? You don’t have to sit back and take it. u/nowaysalliemae has successfully avoided being sued by essentially going on the run. You see, to be sued successfully, they need to know where you work. If you get sued, move to another state, and switch jobs, they have to do the entire process over again! This means find you, verify the debt, sue you, etc. You can essentially do this until your statute of limitations runs out. And then, you dispute the debt on your credit score. They take it off at that point, and you just saved a lot of money. I decided to put this as medium risk, because moving around a lot would require some luck. Especially since you would need to work wherever you go, there are a lot of moving parts here. I think it is totally doable, and if you are an adventurous personality type, it could be a lot of fun. This only works for the private student loan side, because the US government has a lot more power. You would still IBR your federal loans on this tactic. For more information, go through nowaysalliemae's post history.
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Leave the Country: [medium risk] What if you want to avoid all of this altogether? Do you want a reset button on your life? You can just leave the country and start over. Seriously. Your credit score does not follow you across countries. The federal government cannot garnish your paycheck if you work internationally. You are not a criminal doing this. Furthermore, there is something called the Foreign Earned Income Tax Exclusion. Since you will still IBR your federal loans on this plan, as long as you make less than $100,000 in another country, your US income is zero. This means you just got a free education while you make money in another country. Once you pay zero for 25 years, you will have to defuse your student tax bomb. Tactic Below. Private companies do not stand a chance here. There are countries in the commonwealth such as Australia and Canada that are more willing to take you in if you meet certain requirements. You could teach English at a bunch of places. You could apply for residency at these places or be a perpetual tourist. A perpetual tourist is someone who essentially moves to a new country, goes to a neighboring country for a weekend, and then goes back to that new country they are trying to start a new life in*. This in no means you have to go back to the U.S. Ever. For example, you want to live in Panama forever, every 90 days, you take a weekend trip to Nicaragua. You come back to Panama after the weekend is over and get another 90 day pass. Rinse and repeat. This gives you another 90 days in your country of choice. If you make money on the internet, this strategy would work pretty well. You can just be a perpetual tourist or marry someone in another country and start a new life. This will not be a good fit for everyone, but there’s something exciting about this. If you are young, single, and restless, this could be the adventure of a lifetime. Here's more info on being a perpetual traveler and the FEIE: https://www.escapeartist.com/blog/perpetual-traveler-us-tax-code/
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Suspend Payment Without More Debt: [low risk] So recently, it has been brought to my attention that there is a community college, Luna Community College (in Las Vegas, NM), that has tuition so low you could go half time all year for about 684 dollars. They have a small amount of associate's degrees. If you just want to stop paying without taking any more loans, this would be the way to do it. You could do this for many years. Luna Community College's tuition matrix: https://luna.edu/tuition_matrix
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Convert Private Loans to Federal: [low risk] From this point on, these are my special tactics I’ve been thinking about. They might work really well for some people. So, you have a bunch of federal loans and a good amount of private loans. You don’t want to fight debt collectors or move around. Try this. This plan only works if you have a bachelor’s degree though. Anyways, there is a special loan offered by the US Federal Government called the Graduate Plus Loan. This loan is incredible, because there is no aggregate student loan limit. In other words, you can borrow as much money as you want here. Even a million dollars no questions asked. All you need is no delinquency or default on your credit report. If you do have these things, you can get a cosigner in on the plan. They won’t ever be responsible anyways because you will defuse the tax bomb at the end. This works to your advantage, because you could go back to school at the graduate level, get a diploma mill master’s degree online, use your room and board payment to start paying off your private loans ASAP. Just make sure you are doing whatever your school considers half time enrollment in order to avoid student loan payments while doing this. Once you’ve gone to school long enough and converted all of your private loans to grad plus loans, you could just go on an IBR plan. This will at least make your life manageable. You would have to defuse your student tax bomb once this is over. Tactic below.
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Convert Federal Loans to Private: [medium risk] So, what if you wanted to go the opposite way? Maybe you want to convert all of your federal loans to private ones, default, and then leave the country? Hey, maybe there are reasons you want to hurry up the settlement process. You could essentially do the same strategy as above, but instead just borrow from Sallie Mae, Wells Fargo, etc until all of your federal loans are paid off. Then, either cat and mouse or leave the country. I don’t think a lot of people would find a use for this, but hey who knows?
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Asset Creation Method: [high risk] What if you wanted to not just pay off your loans but get ahead in life? Maybe you feel like using your student loan debt to your advantage. Thanks to the work done by u/BinaryAlgorithm, you could really come out on top here. Remember those Grad Plus loans we were talking about? Well, there’s nothing stopping you from continually borrowing all year on these loans, investing the room and board, and acting as if you do not have the debt in the first place. While I had originally said that rental property does not count as income, I cannot find any documentation proving this. You can still invest this money however you want, and you just defuse the tax bomb at the end (if anyone can find that documentation, please let me know). I did find that rental properties offer a lot of ways to reduce your adjusted gross income (management fees, advertising, etc), and these could reduce your income closer to zero. We’re not done here. Moreover, you could get a job that qualifies for Public Student Loan Forgiveness, enjoy your investments, and then pay for the 10 years. Be sure to convert all loans to federal before starting this tactic. I only put this as high risk, because the whole plan falls apart if Grad Plus loans get capped. Will they? Probably not, because those are the loans doctors and lawyers take out to go to their professional schools. It would take an act of congress to change the way the law stands now, but still, you should know that. This plan spans decades, so a lot can change. Also, having this many installment loans may lower your credit score over a multitude of years, but based on what everyone has found out here, it's not by much. For more information, go to this subreddit's search bar and type in "aggregate" and go look at BinaryAlgorithm's two posts on the subject.
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Defusing the Student Tax Bomb: [low risk] So lucky for you, I talked to an actual lawyer and an actual IRS agent about this. This is completely legal and doable. Okay, so you were a good person and paid your IBR for 25-30 years. What now? Well, you’re about to be hit hard with a tax bomb. All of that money that is now forgiven counts as income on your taxes. This could mean a bill in the tens of thousands if you combined this with any of the other methods here—or just borrowed a lot to begin with. Luckily for us, there is something called insolvency. This means you are unable to pay your debts, and there is a really simple formula for whether or not you are insolvent. As long as you have more liabilities than assets at the time of student loan forgiveness, you are considered insolvent. In other words, right before you are about to be forgiven, like year 24 out of 25, you would take out a loan on something. All you would need to do is buy a house, buy a car, or buy something with a huge price tag. As long as your liabilities are way higher than your assets (like aim for 100K or something more), you are considered insolvent and you don’t have to pay any of the tax bomb. Boom. The IRS agent said this is fine. The lawyer said this is fine. I cannot believe this is fine. Where could you get the money to borrow for a house? Check Asset Creation method above. You could always sell the asset after the tax bomb is dealt with. For more information on defusing the student loan tax bomb: https://lawyerist.com/defusing-student-loan-interest-tax-bomb/
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Getting Your Cosigner Off the Hook: So 90% of us have cosigners based on some statistic I read. These people are going to pissed at you, because they get harassed. If you have a lot of time to plan your strategy out, you can simply convert all of your private loans to federal ones. They are no longer responsible. The plan is above. Check out “Convert Private Loans to Federal.” Furthermore, if you are attempting to go the default route with private loans, you could potentially get your cosigner off the hook by refinancing your student loans without the cosigner. After you refinance, you could just default then. You would need good credit and meet certain requirements for this. Also, if you plan on defaulting, you might want to get your cosigner to transfer their assets to their spouse or someone trustworthy. Even though liens are rare, this could give you some peace of mind. As long as about 3-5 years go by, this is no longer considered a fraudulent transfer. Your state will have certain rules about this. If you are from Florida, apparently houses are untouchable there. You will need a lawyer to plan the asset transfer. At the same time, you may not be able to get your cosigner off the hook. Make peace with that. Student loans are brutal, so all you can really do is educate yourself and your cosigner and hope you come out on top.
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Madlad Method: [high risk] Now, here comes my personal plan. This is what I’m doing, because I want to live a life on my terms and not really work for anyone my entire life. I’m also not a normal person, so this will probably appear crazy to some or most of you. So at this point, if you understand all of the methods before you, you are a powerful player in the student loan circus. You can do anything from fight the man to maliciously comply and bankrupt the system while becoming upper-middle class. I don’t really care for any of that. I want to go to a tropical paradise and make music for 20 years, so here is my interpretation of everything. I have some federal loans and private loans. I net about 25K a year through the Grad Plus loans, and I work about 4 hours a week in the online classroom. I take that federal loan money, and I sock away a few hundred every month to save up for my private loan settlement in about five years. Since I save 300 every month, I’ll have about 18K in 5 years when I go into default. I will settle ASAP. At the same time, I will continue to go to diploma mill universities, get master's degree after master’s degree, and move to a Latin American country where the cost of living is even lower. This way, my 25K a year puts me in the upper class of that country. I can live where I want and really do whatever I damn well please for as long as the Grad Plus loans are around. As an added bonus, I will already be starting a new life in another country where I can make connections and maybe even get married. I studied linguistics, so I know how to teach English. I can do that if I want a source of income anywhere. So there is my plan, and honestly, one day we might get someone in office who just wipes out all of this debt anyways. If that’s the case, I can just play the waiting game until all of this is over. Here are the rules on adverse credit history and Grad Plus loans: https://studentaid.ed.gov/sa/sites/default/files/plus-adverse-credit.pdf
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Final Thoughts: Defaulting on student loans is not immoral or a sin. It is a business decision. Everyone else gets bailouts, why should student borrowers be any different? You’re going to have to ignore the people who tell you why they think you should be a good little slave and pay your loans. Those people are not your friends. Those people are not on your side. Some of the best advice I ever received in life was you have to do what’s best for you. Also, if you have anything you would like to add to this or would like to challenge, please let me know. I want this to be as accurate as possible. I will be looking at this perpetually to make sure there are no errors. Take care. Good luck. You can do this.
submitted by PlsvoteforBernie to studentloandefaulters [link] [comments]

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