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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]

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 PlsvoteforBernie to studentloandefaulters [link] [comments]

TokenClub Bi-Weekly Report — Issue 114(5.4–5.17)

TokenClub Bi-Weekly Report — Issue 114(5.4–5.17)

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Hello everyone, thank you for your continued interest and support. In the past two weeks, various tasks of TokenClub have been progressing steadily. The product development and community operation progress this week are as follows:
1. TokenClub Events
1)Binance blockchain live streaming program “Block 101” joins TokenClub APP
TokenClub teamed up with Binance “Block 101” to host a series of live broadcast events. In the past two weeks, the big brothers such as the CEO of Feixin, Cobo co-founder Shenyu, and IOST co-founder Terry visited the TokenClub live broadcast room. See live summary. “Block 101” is a live broadcast of dialogues launched by Binance New Media Marketing Team, hosted by Jiayi, Anna, Liuliu, Yingge, Sisi, Qiqi, Doris, etc. Here will invite entrepreneurs in the industry, investment giants, opinion leaders, trading bulls or ordinary people with stories. Every Monday to Friday, with you in the TokenClub live room.

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2)Participate in poster forwarding, draw red envelope prize
When Bitcoin halves, TokenClub launches a poster forwarding red envelope campaign. On the day of the event, forward the poster to Twitter and the telegram group, and upload a screenshot to have the opportunity to extract the TCT red envelope award ~



3)Participate in live streaming interactive questions and win mysterious gift events
From May 11th to May 15th, TokenClub launched a live question and prize draw event. During the event, watch the block 101 live broadcast and interact with questions during the live broadcast, you will have the opportunity to get a mysterious gift from TokenClub.


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3)TokenClub’s self-media Bilaoye was invited to participate in AMA
a. On May 7th,Bilaoye was invited by UPChain to conduct an AMA with the theme of “Half Countdown, Where Will the Market Go” in the Chains community. AMA article link:
http://public.tokenup100.com/page/article.html?articleId=f1db8c6bfaa94886bbdd863ec9908252&from=timeline&isappinstalled=0
b. On May 8th, Bilaoye was invited by Golden Finance to conduct an AMA with the theme “Bitcoin Breaks Over US $ 10,000 and Will Do This in Half”. Review link:
https://m.jinse.com/live/topic?id=11813&from=singlemessage&isappinstalled=0
C. On May 14, Bilaoye was invited by Cailu Finance to conduct an AMA with the theme of “Correct Postures for Depositing Money” in the Cailu community.Review link:

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2.TokenClub Live
1) Summary
Recently, Feng Yuqing, the director of Yicai Global America, the first Chinese reporter to interview Buffett, the organizer & host of the First Financial New York Forum; a world-renowned financial expert, a professor of finance at the Cheung Kong Graduate School of Business, and the director of the finance department -Cao Huining; ARPA founder Felix, SWFT Blockchain one-stop currency exchange cross-chain platform operation in Greater China & BD leader-Ye Fei, mining big man Binxin Mining CEO “Feige”, contract emperor co-founder Xiaoding, AlchemyPay co-founder Shi Xiang, financial expert & first-line trader Xu Zhe, Huobi Key Account Manager-Xiaotong, Roark Group & Bitribe & 499 Block founder sky, Cobo co-founder Shenyu, DappReview CEO Niu Fengxuan, IOST co-founder Terry; and TokenClub blockchain and cryptocurrency investment strategy senior expert-Zao Shen talks with you about the blockchain ~
On May 6, Block 101 Sisi Dialogue Felix, the founder of the hard-core technical team on the blockchain, ARPA Felix, the theme is “The Wall Street Battle of the Wall Street Elite”. In this live dialogue, the resume is dazzling. , The young man who was free to switch between “Yangchun Baixue” and “earthed gas” from the team’s initial heart chat to his investment strategy to the judgment of the entire currency market, his fanaticism of rock seems to explain a series of “adventure” options- — Longing for a more free and innovative world.


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On May 6th, TokenClub invited the one-stop SWFT Blockchain currency exchange cross-chain platform Greater China operation & BD leader-Ye Fei as a guest to “Jingjing at 8 o’clock” live broadcast, bringing us “flash exchange in the future block The theme of “Chain Payment Ecosystem” is shared. Mr. Ye made a detailed interpretation of SWFTC, and revealed the development plan of SWFTC, and exchanged questions and answers with fans enthusiastically.

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On May 7th, Block 101 Luna talked to the CEO of the mining industry, who is most familiar with KTV, Kexin Mining, “Fei Ge”. Liu Fei talked to Bin An Luna, he counted his mining “stepping on the pit road” “, Talking about halving the market and investment experience, talking to the second half, wearing a red Polo shirt, he began to persuade everyone to learn more in the KTV in Beijing at night, and recommended books.


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On May 8, the TokenClub live column-”Professor had an appointment” shared the theme: “BOC crude oil treasure and financial derivatives market”. In this issue, Professor Cao invited the first U.S. Global Director of the United States, the first Chinese reporter to interview Buffett, the organizer & host of the First Financial New York Forum, and Columbia University Master of International Relations Feng Yuqing to share with guests on Chain, digital currency financial derivatives market, etc. have done a detailed exchange analysis.

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On May 8th, block 101 was led by Binance BD’s head Li Jiayi, who talked about contract emperor co-founder Xiao Dingdang. He is an old code farmer who is known for his futures contract operations. He wrote a 10-year code, and the front end Everyone is familiar with it, and it is hard to say anything on the line of speech. Frankly, he talked from his fortune history to the story of the endless number of contract circles, and shared his trading iron law with everyone: there must be a stop loss; must practice more and try more.


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On May 9th, Zaoshen is coming ~ The sharing theme of this issue is: The Yangtze River will push back and forth, and one wave will be more than one wave. Speaking of the “Houlang” hot event, Zao Shen mainly analyzed the halving market with everyone in detail, to see how many opportunities there are and what strategies to choose. Soul asked: How much money did you make in this wave of quotes?


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On May 11, Block 101 was discussed by Binance Qiqi Dialogue AlchemyPay co-founder Shi Xiang, the former vice president of Zhongan Technology and the founder of Micro Index shared with you the experience of dealing with overseas regulators: supervision is not actually strong Groups, regulation will strike you because you are worried about doing bad things, but as long as you are willing to actively communicate, regulation usually gives a tolerance period. For more content, please move to the live room.

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May 12, Exclusive: Huobi Global & Knowing Daniel Interpretation of “Physical Currency, Debt Currency to Encrypted Digital Currency”. The key account manager of Huobi Global has a conversation with financial expert and front-line trader Xu Zhe, talking about physical currency, debt currency and encrypted digital currency. Work is tired enough, the market is already exciting enough, pick Xu Da Tucao various currencies, teach you to return all the money. The value of the young lady’s face is a feeling of emotion.


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On May 12, Block 101 was founded by Binance Thinking, the founder of Roark Group, Bitribe, and 499Block. Sky, a science and technology man from Tsinghua University and MIT, has the title of “Coin Circle Zheng Kai”. Sky said that starting a business in the blockchain industry is like drifting in the turbulent Amazon River. If you do n’t believe that you will eventually reach the sea, you will be thrown off. Sky believes that Bitcoin is essentially a consensus based on time. Halving is like escaping the monsters, and each level increases the consensus.

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On May 13th, Block 101 Luna talked to F2Pool and Cobo co-founder Shenyu, and talked about the “new” story of Bitcoin. Leo ’s Godfish talked to us about the monopoly of computing power, mining pool operations, halving and Cobo ’s future development goals. He said that 80–90% of personal assets are Bitcoin, and about 10% of Ethereum and other Strange coins from mining. It is called “the first segment of the coin circle” because “more pits are filled, so in the end each pit becomes a stalk.”

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On May 14, Niu Fengxuan, CEO of DappReview, talked about “how ordinary people make money through Dapp”. Niu Fengxuan graduated from Fudan and Stanford. He is a serious game enthusiast. He has written many in-depth game evaluations and is an early participant of Dapp. He said that many people think that the biggest application of blockchain is speculation, but the technology ultimately serves products and applications. In the long run, if blockchain can really bring changes and innovations to the world technically, then it must be C-side users should feel it in a more friendly way in other fields.


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On May 15th, Block 101 Yingge talked to IOST co-founder Terry and talked about “The Blockchain Ideal of Princeton Schoolmaster”. Terry told us about his sad history, happy history, and experience and experience of mining from college mining to graduate school to entrepreneurship, talked about the development direction of the blockchain market, and interacted with fans.


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On May 16th, senior expert Zao Shen brought a live broadcast on the theme of “Depth Is Insufficient In Operation, How To Play With Crash”. In this live broadcast, in addition to analyzing the macro level of the economy, Zao Shen also focused on sharing The specific operation skills emphasized the principle of buying and selling, and finally commented on the hot events such as the recent Federal Reserve announcement that it will not fall to negative interest rates.


3.TokenClub operation data
-Live data: 13 live broadcasts in the past two weeks, with over 600,000 views. TokenClub hosted a total of 835 live broadcasts with a total of 44.25 million views.
-Binary trade data: In the past two weeks, guess the rise and fall to participate in a total of 1060 times, the amount of participation exceeded 2 million TCT. At present, it is guessed that the rise and fall function has participated in a total of 1.11 million times, with a cumulative participation amount of 496 million TCT.
-Chat data: In the past two weeks, a total of 28,950 messages have been generated. A total of 4.83 milliom messages have been launched since the function was launched.
-Mini-game data: The mini-game has participated in a total of 7,830 times in the past two weeks. A total of 1,66 million self-functions have been online.
-Cut leeks game data together: Since the game was launched, the total number of user participation in the game was 954,364 TCT total consumption was 6,27 million gift certificate total consumption was 15,53 million and TCT mining output was 160,48.
-TokenClub KOL data: Over the past two weeks, the total reading volume of the BTCGrandpa article has been viewed by more than 300,000 people.
-Social media data: At present, the number of Weibo official accounts is 17,972 and the number of Twitter followers is 1310, and we have opened the official Medium account this week, welcome to follow.
-Telegram official group data: In the past 2 weeks, there were 310 chats in the group, and the total number of Telegram official groups is currently 2971.
-Medium data: Medium official account u/TokenClub has published 1 excellent articles, official announcements and updates are published in English, welcome to follow.
4.Communities
1)Overseas community
TokenClub held an event for forwarding Twitter and telegram group chats for overseas users. Bitcoin halved in less than two weeks, overseas users are more active in the telegram group, and some friends are more concerned about Binance Block 101 live broadcast, aggregation exchange, TCT usage and other issues, the administrator responded in time.On May 12th, when Bitcoin was halved, TokenClub organized a forwarding Twitter, telegram group chat prize event and participating in a live question asking interactive prize event for overseas users. There are many live broadcast events in the near future. The live broadcast poster information will be released to overseas users as soon as possible. The follow-up TokenClub will translate and broadcast high-quality live broadcast content to Twitter and Medium. Bitcoin halved, overseas users are more active in the telegram group, and some partners are more concerned about block 101 live broadcast, bitcoin future price trend, TCT usage and other issues, the administrator responded in time in the group.

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2)Domestic community
Last Friday, a holiday, the community opened the red envelope rain event, and brought a sincere gift to everyone while relaxing in the holiday. At the same time, it also sent the most sincere blessings to all mothers in the community on Mother’s Day. Thank you for your long-term support and help to the Orange Club community.


The third week of the second 100-day fixed investment plan held this week has been awarded. The participation of this event is still quite positive. This week, the bitcoin halving market was also opened in advance. If it starts according to the first day The small partners participating in the fixed investment should now have a certain floating win, so we adopt the correct cycle investment strategy to believe that it can bring unexpected benefits to everyone.


On May 9th and May 16th, TCT Fortune Free Academy carried out red envelope party activities as scheduled. In the event, in addition to GF red envelopes, students were reminded that there may be a callback risk after the pie halving, and short-term profits are available.


On the evening of May 3rd and May 10th, TCT Fortune Free Academy carried out the 51st and 52nd week sign-in sweepstakes, and rewarded the small TCT partners who had always insisted on signing in. In these two sign-in sweepstakes, the lucky friends received 20–180TCT as a reward. In addition, during the lucky draw, the college friends also actively expressed their opinions on the topic of this year’s bull market.

The Leek Paradise Community Conference will continue as usual every Sunday at 20:00. During the conference, members will discuss recent hot topics, including gifts and blessings for Mother ’s Day, and the halving of Bitcoin everyone is paying attention to. At the end, the friends in the group also showed a rare enthusiasm at the first sight. It seems that the market still affects the mood. The members routinely started a red envelope rain to cheer for the participating partners and encourage everyone to maintain patience and confidence. Of course, at the same time, we are encouraging ourselves to see the community meeting next week. Come on!

TokenClub volunteer community, sign in red envelopes every day, as long as you sign in every day, you can get good benefits, friends join us quickly! In the past two weeks, the community has conducted active partners.

TCT has been listed on Binance、Okex、Gate.io、ZB-M、MXC、Biki、Coinex、BigOne、Coinbene、Cybex、SWFT、Loopring、Rootrex etc.
TokenClub website: www.tokenclub.com
Telegram:https://t.me/token\_club
TokenClub App download QR code

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submitted by tokenclubtct to u/tokenclubtct [link] [comments]

Benefits of free binary option signals

Benefits of free binary option signals


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submitted by vfxalertseo to u/vfxalertseo [link] [comments]

A REVIEW ON GINGR PROJECT

While digital currency is only old news new in the sex working industry, and a decentralized fundamental initiative procedure is only old news new to the blockchain space, a decentralized direct from beginning to end booking stage for sex pros is the first of it's sort. The gingr coin is the essential decentralized computerized money made to interface diverse universes of advanced account in one single cash. Gingr coins are an aftereffect of various extended lengths of contribution in the budgetary division and made by Gingrcoin which was built up in 2015.
As opposed to other cryptographic money, Gingr coins are maintained by certifiable associations and things that make an extensive number of dollars in by and large increase each month, you can check them in the whitepaper of gingr. The development that reinforces our digital money is an insightful contract Ethereum (Erc20), with a decentralized blockchain with uncommonly convincing and brisk trades accessible, in a P2P circumstance that supports advantageous monetary impetus for cutting edge assets. The world is changing, and moreover another modernized economy, okay prefer to be a bit of the change? Gingr invites you to be a bit of this exceptional undertaking.
The highlights of Gingr Platform
Advertising
Client Account Management
Email and SMS content report cards
Inoculation Reminder
Worker Time Clock
Notice System
Every day Checklist
Hotel
Arrangements and Facilities
Treatment Report
Charge card Payment Processing
Coupon System
Extra Service Scheduling
Online Customer Registration
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Written by Mavopk
submitted by opeku to ICOAnalysis [link] [comments]

Stellaris Dev Diary Questions/Answers

{Edit: Glad you guys liked it, I just added another pass of a couple more dev diaries}
[just updated to include what should be all the remaining comments in Part 4]
So I compiled a number of paradox developer responses from the paradox dev diary forums from user questions.
All the original context can be found here: https://forum.paradoxplaza.com/forum/index.php?threads/stellaris-developer-diary-archive.882950/
This is by no means comprehensive and only accounts for about the last 5-6 [updated to include about the last 14-15 should be all ~26 diaries now, or as many had meaningful responses] of the diaries and not all questions or responses recorded. Just the ones I found interesting enough to track. I did not record who asked and who responded, but I only include responses by the developers, not any non-dev users. So assuming something doesn't change in the late stages, most should be close to good.
Sometimes I left the question for context, other times, if it was a stand-alone statement, I did not. You'll have to guess from context, but I figure it's still a good amount of quality information for those who didn't follow the forum responses to the dev diaries.
And sorry, I didn't track which dev diary they came from.
I'll try to format this better as I learn reddit formatting.
Question/Comment Answer
Will there only the be the option of rotating presidencies, or are other more interactive systems of selecting the next presidents in federations possible? For release, it will most likely be rotation only.
- Currently, only Xenophile/Xenophobe Materialist/Spiritualist are valid FE [Fallen Empire] traits. More may be added.
- The FE personalties are: Xenophile: Benevolent Observers; Xenophobe: Militant Isolationists; Spiritualist: Holy Guardians; Materialist: Keepers of Knowledge
How does opinion work in Stellaris? Is there a cap as I notice that its at -284 for the Avians in the first screenshot or can it forever decrease and increase? The cap is -1000/+1000, so effectively uncapped. The Confederacy of Penkor really doesn't like me.
- Going to 1000 is really not possible..
Will there be some sort of slider for the player to influence The sector ai spending? E.g. I want an older sector to spend more money on a larger fleet but a newer sector on developing colonies. Not at present. Note that Sectors don't maintain fleets (besides construction ships), so generally they'll sink their minerals into developing planets.
Does this mean I can change how the archetype behaves? Or does it mean I can have a multitude of different personality potentials under one archetype? Archetype determines some core behaviours, for example a 'Propagator' AI will focus on population growth. This can't be modded, but you can make very different kinds of Propagators.
- There's a personality type called 'Fanatic Purifiers', whose primary goal is to purge the galaxy of all aliens. They're not the most diplomatic people around.
- AI personalities are mostly static but if a country changes so radically that the old personality would not be a possible pick for it anymore, it will pick a new one. IE: If they're Despotic Slavers who stop wanting to have slaves, they won't remain Despotic Slavers.
- Militarist Empires prefer to form alliances with other Militarists, since Pacifists would just vote down their wars. Some personalities go it alone, but most can form alliances under the right circumstances.
If I understood correctly, the AI behavior is mostly dictated by their personality, which is defined by a combination of ethos. But the same personality can be formed by multiple combination of ethos, right? So 'Federation Builders' won't be all 'individualistic, xenophile pacifist', so maybe they would be spiritual instead of individualistic, but still be a 'Federation Builder', is that correct? Correct. Ethos variations of the same personality can have some minor variations (such as which laws they pass) but it probably won't be on the level noticeable to the player.
- The AI does not hate you just for declining trades, but for instance if they're boxed in by you and you refuse access they might consider that a reason to go to war.
- AI personalities are 99% moddable. The only thing you can't do is create new archetypes, but it's possible to make very different personalities within the same archetype.
Does each personality have one and only one valid ethos combination that will result in it? Some do, most don't.
So how exactly will this insight into "These particular creatures manage to stay alive due to their regenerative skin." affect the card tech system? Does it increase the chances of a related card popping up? Can you study it for a long enough time (fill a bar) and then a choice of relevant technologies pop up? or how? It would be added as an "additional card".
4) Can we skip "Regenerative Skin tech I" and get "Regenerative Skin tech II" right away? Do techs even work like that? Yes, you can research missiles 4 before having missiles 3, for example.
can you study alien space creatures without having to murder them? What about domesticating them? Not right now, but its definitely something I would like to add :)
does the rival system work similarry to EUIV's rival systemw here every nation pretty much always has 3 rivals? because that doesnt sound like too great a situatioin if everyone has only met a handfull of other empires but is almost automatically hostile to all of them due to all the AI wanting to maximize their influence. No. AIs won't rival someone just to have more rivals, and there's no penalties for having less than 3 except missing out on some influence.
Also a casus belli to force you to abandon planets, could they force you out of your homeworld with that? Or is it strictly limited to colonies or specific planets that empire cares about? They can't force you off your homeworld.
[Administrative Sectors are a] Good idea for reducing micro but can we regain control the of an important planet if we don't like the way the ai is doing? You can remove systems from a Sector, should you wish to do so.
My concern is that this kind of thing managed to tank MoO3 because the AI governors were pants-on-head retarded. I hope that this will not be the case here. Making sure sector AI is good enough that most players won't feel frustrated letting it run their planets is very high on my priority list.
The game is being designed with the idea of the player delegating administration of non-core worlds to the AI. Facilitating the "option" to micro everything would a major anti-feature. Since people would feel they could do a better job than the AI, weather true or not, there would be an incentive to do so even if most people would not find it a lot of fun. And then people would start advocating it as the optimal way of doing things; "No wonder you lost, you should manage all planets yourself!". Then people would start demanding fixes or balances to the game based on this play style, even if though the game was never meant to be played like that. "It's in the game, so you should support it!" So you'll ending up with the impossible task of trying to support two conflicting play-styles, compromising the overall design of the game. And any changes that are done to improve the intended play-style of the game, are likely to be met with uproar from the minority who wants to play differently. Sorry, I would rather have a game with a cohesive design, than one trying to please everyone. Yep. Precisely this.
Do all the CBs regarding planets revolve around seizing them for ourselves or our allies? What if I do not want the world for myself but just wish to deprive it from my enemies? Can a planet become entirely depopulated during a war or as a result of the following peace treaty? If your policies allow full orbital bombardment, it is possible to severely damage planets, but not to completely depopulate them.
In the first screenshot is the 30 in the middle of the trade table 30 reasons that the deal will be accepted? Are deals black and white yes/no like in EU4? I really hate the old maybe/likely/etc system. Also what is the +17% with the arrows mean in the trade deal screen? AI will always tell you a definite yes/no when creating the offer, no need to send it and wait for an unknown answer. While slightly less realistic perhaps it does reduce frustration by a lot since otherwise you'd just keep sending offers blind over and over. The 17%-value shows how willing/reluctant that Empire is when it comes to trading with you. You can often trade with Empires that doesn't like you much, but it might require putting a bit more on the table.
1) Is there a cap on how many protectorates/vassals we can have a la EU4 diplomatic relations? I'm assuming so, and I'd bet it'd be influenced by ethos, gov type, and social research? 1) We're testing to see if a cap is needed, or if Liberty Desire is enough.
2) Will there be some mechanics to such that the choice between annexing vassals or just keeping them is more involved? Perhaps some bonuses to research or diplomacy if you elect not to annex your vassal species? 2) You do gain Military Access, Sensor Info and Construction Rights within a Vassals territory, which might be worth more than dealing with the headache of getting a new species within the Empire that has conflicting ethics/views on your politics. We might add some additional bonuses to keeping Vassals if we feel this is not enough of a motivator.
Does this mean, uplifted species will become more loyal vassals? Or do they forget their gratitude after some time? (Especially if the Overlord does something conflicting with their Ethos.) An uplifted species will be eternally grateful, but that does not mean they'll always agree with everything the overlords does. It helps but it's not a binary thing. The opposite goes for an Empire that is force-vassalized through war or such. They'll dislike their new overlord quite a bit at first, but time and/or having the same outlook on things might help mend relations.
Also, can we be a subject of another empire too, or is the game lost then? It would be nice to organise an uprising within another empire, maybe even uniting other subject species against the invasions. A player can be a Vassal to another Empire (human or AI) and still play. If the player is integrated/diplo-annexed the game is lost however.
Part 2
Question/Comment Answer
Let's hope [combat] won't be a godawful hard counter system and race with extremely highly advanced lasers could beat shields. Hard counters are one of the worst designs ever to see in a strategy game. It's Galactic Civilizations-level horrible. It's more of a cost-efficiency thing. Lasers will still do decent damage against shields, but it will not be the perfect choice. If you know an enemy fleet has gone 100% missile-weapons and you can get full point-defense coverage you'll do very well (though not win unharmed).
very cool, i like the battle computer add in. this will give some standard AI for that ship to follow. question though, how (if at all) will stellaris try to balance ship sizes in fleets to make sure that fleets dont end up as zerg corvette fleets or only massive battleships? Efficiency-wise we'd like it to be Corvette < Destroyer < Cruiser < Battleship < Corvette. This is of course an over-simplification but that's the general idea. We do a few things to try and achieve this, such as Corvettes gaining full Evasion from all sources while Battleships only gain 25% (Destroyers and Cruisers gain 75% and 50% respectively). This in combination with the fact that the larger weapons used by Battleships have lower attack speed, higher damage per attack and somewhat lower hit-chance should make it less cost-efficient to overkill small corvettes with huge weapons (lots of missed shots, those that do hit deal far more damage than needed). Corvettes in turn will struggle with the higher armor and shields of a Destroyer etc. up the chain.
Will we be able to customise strike craft? No, we've decided not to go in to such detail. Strike Craft come in sets of units (or Wings) that can be placed on ships with hangar-capabilities.
So every ship will have EFTL [Emergency FTL]? Even if they rely on wormholes and stuff? All fleets having some type of FTL-capability can use EFTL. Ships relying on Wormholes to travel will need a functional Wormhole Station within range. If there is no station in range, the fleet is stranded and can not EFTL (doooooooooooooooooooooooooooom!).
Does the player design strike craft or are they built using fixed rules (e.g. "fighter always use best beam weapon")? Are strike craft automatically replaced after battle, require repairs to be replaced or require new strike craft to be manufactured? Do strike craft on existing ships upgrade when new weapons are acquired? Strike Craft use their own type of weapons and are not dependent on what type of lasers etc. you've researched. Any Strike Craft lost during a battle slowly regenerate over time automatically. They can be upgraded should a new rank of them be researched and the design of the carrier-ship updated.
How does armor damage reduction work? Is it a percentage reduction in damage or subtracting damage from each hit? Armor subtracts a set amount of damage from each hit, up to a limit. Armor can never reduce damage taken to zero. Armor-penetration is percentage-based.
Will we be able to mod weapon stats? Yup yup!
Question: -Will there be some kind of speed upgrade to ships, so they can move faster? -Does 'strike crafts' have any range limit inside a solar system, and if so, is it shorter than missiles? -Is there any missile upgrade/type which can mitigate point-defense damage, like making the missiles go faster, being tougher or splitting into many smaller? As you can judge from the above I'm thinking about a design which tries to kite the enemy :) being fast enough to stay out of enemy range and keep hitting from afar, using shields as defense so they regenerate when out of range. The speed of the ship is mainly dependent on the Thruster, which can be upgraded. In rare cases there might be other components that improve speed as well (such as a Combat Computer). Strike Craft do have a range-limit. We're still tuning that so not sure on range just yet, what do you all think makes more sense? Also, there might just be a thing called Swarm Missiles that do overwhelm point-defenses (somewhat).
How will retrofits work? Will existing ships be able to be refitted with new weapons and technology on their sections, or will ships need to be built from scratch in order to make use of the latest weapons and tech advances? You can upgrade your fleet to the latest design at your nearest spaceport :)
My question is are we limited to one ship design per hull size at a time? So we can only have one corvette design, one cruiser design, and so on? Or is there freedom to design, save, and build multiple types of the same hull? Maybe I want one cruiser filled with point defenses guns to act as an escort while another cruiser just has long-range missiles for fire support. Things like that. From the screenshots its hard to say if we can save multiple designs for the same hull sizes or not. You can have multiple saved designs.
Stellaris is still in alpha so that 146 fleet size number is anything but fixed, however what does it represent? Each ship-type has a different cap-usage. A Corvette uses 1, while Destroyers use 2, Cruisers 4 etc.
Are these colony events/decisions things that need to be done "now or never"? Like the underground vault, for example, do we have to decide immediately and irrevocably, or can we say "let's wait until our colony is more established before opening that" ? In the case of the underground vault, you will get a Special Project to open it which you can complete whenever you want. Of course, other events can lead to Special Projects that are timed. If you don't finish them on time, there may be consequences...
Can the events effect your POPs' traits and ethics? Some event-results are very likely to do so, yes.
Do you have to participate in combat to take debris ? Or can you swoop in after the battle is over ? Still doing some testing on this but currently the idea is that the debris should be visible and available for all. First come, first serve most like.
Can you play as a fallen empire? Or at least tag switch? Though they are not designed to be played, you can tag switch to them. Also in the setup there is flag "is_playable" with currently is set to = no. But if you just switch to "yes", then they turn up in the Species creation wizard as an option.
Do different species rebel often or were the examples here special ? How hard is it to keep a multiracial empire together ? Whether Pops from a different species will rebel depend on a number of things, such as their ethics, the ethics of your empire, your policies and so forth. Keeping a multiracial empire together is certainly possible.
Another question regarding Krogan and last weeks dev diary. Last week, you said that species that get to the atomic age can destroy themselves. Do they always destroy themselves, or can they just nuke themselves back to the stone age, a la Morgan style. There is also a chance that they will revert to a more primitive, pre-industrial stage. Of course, their planet will still be partially covered in radioactive wasteland, massive bomb craters and ruined cities...
Wonder if there will be clone armies... :D
Part 3
Question/Comment Answer
Can we deenact an edict? Or are we stuck with +1% missionary strength and -5% stability cost for the rest of the game? An edict is always timed and can not be retracted. A policy is active until changed, and can not be changed for 10 years (currently) after having set it.
As for research under passive observation. Is there a limit on how much research you get from industrial vs. non industrial etc or they are the same? Is there a maximum limit per civilisation you study or you get the ongoing bonus until they become space faring? An Observation Post in Passive Observation mode acts essentially as a more powerful Research Station, providing you with Society resources. There are various events that can trigger for them, of course. If the primitives become a spacefaring empire, the station will be dismantled.
Do civilizations naturally progress, and does Technological Enlightenment work by rapidly moving them through the various stages? Can civilizations actually wipe themselves out in nuclear war, (with a possibility to intervene perhaps) or was that just fluff? Civilizations can and will progress between the ages, but it's a fairly slow process so you're not going to see a Bronze Age civilization work their way up to space technology within the span of a single game... on their own, at least. Technological Enlightenment does not move them up through the various ages, it's essentially a progress bar (with associated events). The time it takes depends on how advanced the primitives are. And yes, there is always a risk of civilizations wiping themselves out in a nuclear war if they have reached the Atomic Age.
Can the native species react to your actions? Yes. :)
Can they only wipe themselves out in the Atomic Age? Yes. Of course, a stray asteroid could always show up...
How common will pre space age civs be? This is something that will likely see some tweaking before release, but we're aiming for that sweet spot where they're not too common and not too rare. ;)
Are the pre-spacefaring eras moddable? So could I add new ones and replace old ones? Yes.
... So I can't get tech B unless I have tech A, or it's more likely for me to get a proposal for tech Y if I already have tech X? Both. Sometimes there is a prerequisite, sometimes you need to already have unlocked a certain amount of techs and sometimes a tech is extremely unlikely of appearing unless some condition is met.
How moddable whole Technology&Research is going to be? Should be very moddable. It's easy to add or change new technologies. The only real difficulty is keeping track of the randomness and how likely techs are to actually appear.
Wouldn't it be more strategical to have the weight for each technology (instead of the lone rareful ones), with a convenient tooltip explinaing the weight for each one? I'm thinking to something like: Chance of appearance: Xenophobia: +10%; At war: -10%; Only 3 technologies in this field of reseach: -20%; Disgruntled Pops: -20%; This way, it could help to decide if such or such technology may be worth to be returned to the deck, at the risk it won't appear at all, or much later. In theory, good idea, in practice, not so much. We've decided that how the techs are generated, as one of three options, is not something we want to make transparent in the game.
I'm a little worried. If there are so many techs and there's no linear tree how can we evaluate other factions tech level? Especially with autogenerated techs. How do I know they have great lasers or industrial output? You fight them.
Will there be techs that would be mutually exclusive to each other like going biological path of a tech or a electronic path of a tech that would give more unique to races like one race would go down the biological path have these half tentacle looking ships while others would go like a more standard futuristic ships and etc Somewhat. But the exclusivity comes more from ethics than from other tech choices. Collectivists and Individualists will have different approaches to colonization.
Can you have scientists with special abilities that let you choose from 4 different techs? (or 2...) Some Empires will likely have the ability to generate additional (or possibly fewer) tech-choices, but that is not necessarily dependent on the scientist.
Part 4
Question/Comment Answer
Also, do we not get different types of POPs on a single planet? You could and probably will get that, but not at the start of the game.
I hope we'll be able to scrap modules for spacestations? I still have nightmares about CK2 before they added in modding support for removing holdings. Yeah, you can swap modules for a cost.
So... how long the list of all rare resources is? How do they work? (more or less like strategic resources in HOI3 FTM?) Can be anything from forging the strongest armor to increasing FTL speed to affect Pop Happiness.
Question for any devs. Is the wormhole station linked to spacestations? Or is it a different mechanic? They are not directly linked. Wormhole Stations are built outside a systems gravity well (a minimum distance from the star) and are not attached to a planet.
If we capture a spaceport from another empire, can we use (not build) the modules that they have put on it that we cannot due to our ethos or scientific reasons, or will they be rendered useless? If you take control of a planet with an intact spaceport the modules will function even if you can not build them yourself. If the module requires a resource to function, you will have to be able to provide that resource.
I assume 1 spaceport per planet? Yup, each inhabited planet can only have one spaceport.
Are there ways of increasing the number of leaders I can have or is it a hard cap? Number of leaders can be increased with techs.
Really nice that option to terraform a barren world. The button is disabled though, Currently Barren planets cannot be terraformed
Will players be able to create and use their own portraits ? :) (Even if user-created portraits are not animated) Yes, modders will be able to add their own portraits, none moving. And if you have the skills, you will likely be able to create your own moving one too.
I this a lot, a whole lot. I have to ask, though, what's each dev's favorite FTL method so far? It honestly varies week to week as we play MP. I have a love-hate relationship with Wormholes, being awesome when they allow me to deep-strike enemies but less awesome when my fleet is stuck in nowhere as another player raided my exposed connection-point.
How exactly does a wormhole-based traveler navigate the galaxy, anyway? Do they have to bring some sort of constructor vessel with them in to simply return to where you came from? To have a constructor vessel create a relay in every system you pass through? A fleet in range of a system with a functional Wormhole Station may request a wormhole to be opened to their system, allowing them to get home. It still takes time and occupies the Wormhole Station of course.
Follow-up questions: Can you make more than one wormhole station in a system? Effectively making a wormhole hub to be able to get multiple fleets to multiple systems quickly? Also, if you make a wormhole in two "neighbouring" systems, can those wormholes link to each others' system at the same time, each operating independently for further efficiency? Costly ventures, both of my hypotheticals surely are, but they could be strategically critical. A system can have several Wormhole Stations, creating a hub. Wormhole Stations in neighboring systems can independently send fleets to each others systems.
So, are hyperlanes there at the beginning of the game (created by ancient beings perhaps?) and impossible to change? Can you create new ones but not destroy any? Or can you destroy and create them? Also, is all movement FTL or is it possible to send a slower-than-light ship for colonization or even exploration purpose, before your technology allows you to have good FTL? The origin of the hyperlane-network is unknown, and can't be manipulated at will (for now at least...). Ships can be built without an FTL-drive to act as a local defense-force, but with no means of FLT-travel they can't leave the system. There is no sub-FTL travel between systems.
- I used to be a favor warp travel before, but wormholes are just to fun to pass up on.
Is this a sign that warp equipped ships will have inferior (combat) capabilities as compared to wormhole or hyperlane ships? How major drain on the available power will be represented in game? Not at all. But you'd have to think a bit more about how you configure your ships (until you research better reactors that is).
Very nice! One question though, how many planets are there on average per system? And how many planets can there potentially be per system? At the moment it is normally 3-10 planets, but it depends on the type of system. This number is being always being tweaked and may change for release. You can mod the files to have how many you like, but I can't promise that everything works if you go up to like 100 planets ;)
Will we also have systems with 2 or more stars? At the moment no, but we have had discussions about it. If we were to allow it I imagine that they will be quite rare.
Will be something related to gravity or magnetic field with stars? A Pulsar is an object with a high magnetic field, very small, very heavy. Events or physics are attached to the type of star? Planets and events can have certain features depending on the system they are spawned in, it is however not guaranteed.
will anomaly's work similar to the way they work in Endless Space? (essentially a random planetary modifier) Similar yes, think modifiers in our other games, can't give away more details than that ;)
Is it possible that a game will end and parts of the Galaxy will still be unexplored? Yes
I love the art. But I question why the fleet doesn't concentrate its fire on specific targets. Or is that an unlockable tech that follows later? ;) Currently each gun chooses its own target, depending on whats in range and optimal for its damage. As for the entire fleet, might not be in range of the same target. Also it would look sort of boring and unrealistic if the entire fleet was focus firing at one target at a time.
So my question is, why the tiny sun? I get that a realistic size would be silly (it would take up half the screen or more if it were), but I always wonder why star sizes are so wildly under-represented in these games. I think it would be pretty interesting to have these huge balls of fire in the center of each system, perhaps with a suitably bassy rumble when they enter into view. I feel like they would give a nice sense of scale, and also present a navigation problem. Instead the size is comparable to Jupiter, like maybe 2-3 times bigger at most. I wonder if that will be something we could mod later. Heh. The size of the stars are very easily modded. I completely agree about the size of stars. We do have different sizes on the stars, roughly corresponding to the actual classes of stars. And this is something we haven't fully solved yet. The thing about large stars are, if they are bigger, for the ships not to pass through them when flying, they either have to be far above them. At which point the ships looks really weird in respect to all the other planets. Or, you have to code something for the ships to avoid the sun, for which there are many solutions. Though all of them are relatively time consuming. Right now we are focusing on gameplay, so it something we hopefully will have time to revisit before release. Lots of questions regarding the ship designer, and you'll get your answers. We have a ship designer diary coming up in the future, so say tuned. Pluto and moon fans, don't worry, moddability is very comprehensive on all aspects of the game, so you can add all the moons you see appropriate, and i don't doubt that you will. And I would love to see some ambitious total conversions.
It would be cool if devs could make some of the graphics adjustable/moddable. For example allow to play with color and brightness curve of the light emitted from the sun of system. These, for example look much more grimdark, enigmatic and mysterious to me. Although i do understand the difficulty of applying multiple suns lights to multiple planets. All those options are moddable ;) I am looking forward to see what the modders can do :)
[Edit: Ok did my best]
submitted by harperrb to Stellaris [link] [comments]

Decentralized applications on TERA platform

Decentralized applications on TERA platform

Implementation of blockchain technologies provided a solution that allows to refuse of use of central servers for storing the database and to entrust them to a distributed registry. For the first time it was implemented through the example of digital currency – Bitcoin. Then enthusiastic programmers, who focused their attention on the opened opportunities, went further. They began to implement their ideas and supply new tools, laying the foundation for the digital system of the future. In such a way, smart contracts and decentralized applications appeared, presented to the user as software products for wide variety of spheres: business, entertainment, communication… Virtual blockchain began to obtain visual outlines.

https://preview.redd.it/utjl7ervb9u21.jpg?width=1080&format=pjpg&auto=webp&s=46f4ce45dbf1a3f3d84be8b027ebf10fb3374c30

Leaders in creation DApps

Ethereum became the first blockchain project that allows the creation of smart contracts and DApps.
But programmers faced difficulty - low transaction speed, which was limited to 20 tps. In 2017, EOS and TRON acted as projects that found a solution. They collected millions with the help of ICO and drove by roadmap.
On the one hand, indeed, the shown speed was significantly different and gave the opportunity to develop DApps (TRON - 1200 tps, EOS - 4000 tps). Although Ethereum took the lead in the number of created in its blockchain applications, taking a head start in two years, the competitors who appeared on the market began to drain-away developers to their platforms. For April 2019 EOS ranks the first in the number of unique users (171k) and transaction volume ($ 3 bln), TRON - the second (71k, 600 mln). This is despite the fact that more DApps allocated in Ethereum. The only thing is that transaction rate both TRON and EOS was obtained detriment of decentralization. Both projects work on the PoS consensus algorithm, and this is already a reason not to consider them decentralized. As for Ethereum, its blockchain with each fork also gradually moves towards the final transition to the PoS consensus. While the main developers justify their actions by that the PoW algorithm has already outlived itself and the distributed registry running on such a consensus cannot provide the characteristics, necessary for full-fledged DApps functionality.
That is not so!

Attractive advantage of TERA

In 2018 the TERA Foundation blockchain project was launched, which proved that it is too early to throw PoW into the past, if only because it copes brilliantly with security issues.
The author of TERA Yuri Ivanov by combining the sha3 and secp256k1 encryption algorithms in cryptography achieved excellent results, guaranteeing 1,000 transactions per second. And the architecture features of the TERA blockchain have higher capabilities - 5,000 tps. Moreover, this speed is not the limit, but without a network load test it’s early to talk about other numbers for the moment.
Anyway, we already see that currently provided speed allow the creators of DApps to embody their ideas. Language of smart contracts JavaScript facilitates the challenge. Some developers together with the creator of TERA did not waste time and for a relatively short time period of the platform’s existence placed into its space a number of really decentralized applications, that are now available to all wallet owners.

What DApps are on the TERA platform

So, what is currently available for use to members of the TERA community?

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TERA decentralized exchange and a multi-currency wallet
The first decentralized platform for the cryptocurrency exchange is already in operation.
To be honest, for the present is only in one, but the most important direction - TERA / BTC.
Meaning that those who wish to purchase a coin can use the sellers' offers, placed on the platform, without turning to other exchanges where TERA has already passed listing.

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Upon that, thanks to the latest update you can create a BTC account that will be bound to the main one. For sure increasing the number of cryptocurrencies for both trade and storage will increase the attractiveness. However, this is just a question of time and monitoring with what time intervals updates are released there is a confidence that it will not take long to wait. Moreover, to the topic of wallets and coins it pays to add that TERA allows you to issue your own tokens.

Services for business
Special attention is given to decentralized applications that help to conduct business activities and other dealings. For example, DApp "Promise" is available. By activating a smart contract the seller fixes his obligations with a bounded frozen account without money. The buyer studies the conditions and if they are suitable for him, he transfers the specified amount. Then goods are forwarded, or services are being provided. When deal is fulfilled, the buyer defrosts the seller’s account with the payment received. In case of refusal, the case is regarded by the escrow - the creator of the smart contract.

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There is a DApp "Frozen", where you can freeze funds on your own account until the specified date or until a specific block is generated.
A great way to avoid money wasting and to hodl some coins for a desired period.
Other applications are in the planning stage, that will facilitate business processes conducting on the blockchain directly between the parties, without intermediaries.

Gambling
Gambling admirers comprise a third of decentralized applications users. Therefore, among the DApps hosted on the TERA blockchain, entertainment from this area began to appear. There are a double bet game, a lottery and a one-armed bandit (slot machine). The slot machine evokes associations with the very first mechanical gambling machine of 1905.
It also has 3 drums and one pay line. But the functionality allows you to win the bonus round with 5 free spins and increased prize payout. Yet truth be told, you should be careful.
Personally, I’ve got the combination giving the jackpot x 200 bets, but as I later noticed the winning did not arrive in the account. Therefore, record the evidence of such things just to be on the safe side.

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By the way, after the post about these errors in Discord (https://discordapp.com/invite/CvwrbeG), the reply followed immediately. The reason was that for the convenience of the player the slot does not wait for 8 seconds, which are necessary for the blockchain to confirm the block, but returns results earlier. But if there is a case of a lost block, an error occurs, where diamonds symbols are shown on the drum.
It was reported about the immediate update of the client version with the corrected drawbacks of previous one.

Online shop
The platform operates an online shop with toys on the game Minecraft subject. For TERA coins you can get soft toys, souvenirs and other goods with the next day delivery in Moscow and within 5 days to other cities of the Russian Federation.
But it will be no difficulty for other salesmen to join and offer their product range. Creating an online store does not require much time, cost or special efforts. It will take several minutes between the decision to open the goods sales point on a decentralized TERA platform and fully realized project. It is enough to load feed with an assortment and prices. Moreover, all data is stored on the blockchain, which excludes needs for hosting.

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The buyer studies the product and if finds something interesting for himself, makes an order. A clear interface with a full functional basket is available to fulfill the order.
Payment is commission-free. The seller observes the process through the admin panel, which informs him about the state of affairs and reports the change of good statuses during all stages - from the moment of adding to the basket to delivery to the buyer.
The money paid for the goods is reserved on the buffer account at first and only after the buyer receives his order, the seller receive the amount of money to his account.

Other DApps
The first resources for communication appeared on the decentralized platform. This is a forum and dating chat.
Arcade games started to come in, like Floppy Birds. This game already was able to prove that for a poor little bird it’s so difficult to fly, even in the blockchain space!
Especially when the flight takes place in the neighborhood of a virtual industrial town, where there are more pipes than trees, and they grow right before our eyes (in the truest sense of the word!)

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Once again, I would like to remark that all this is really decentralized, it works and TERA is waiting for new developers, those who want to distribute and monetize their software products free, and what is more, in the most popular programming language – JavaScript.

What else would be nice to see on TERA

Virtual soil of TERA is just beginning to put out shoots of the first planted digital seeds, and in the blockchain space there is enough space for the flight of imagination when creating DApps. I will give as an example just the first that comes to mind, as well as taken from the statements of members of the TERA community on Discordapp.com.
Thus, would be great to see:
- platform for trading binary options, for a start at least on the same pair of TERA / BTC;
- browser for work with DApps and recommendations for building applications;
- a service for voting on the blockchain would provide transparency into the system of election in any sphere (such a proposal was received at Eurovision-2019, why not create it on TERA);
- author's rights patenting services for works of art, inventions and other intellectual property;
- a full-fledged forum where comments would be saved and could not be deleted (the foundation of such an application has already been laid);
- chess, backgammon, bingo, durak and other classic games;
- more games! Strategies, shooter games, exploration games... Suggest to take a deeper look to the hits of the 80s and 90s. Could be found what to remember and transfer to the decentralized platform TERA;
- fully functional casino with a wide range of entertainment: 3-line and 5-line Slot games, roulette, blackjack, poker, bets and other services of gambling industry;
- and so on and so forth.
If such ideas do not come to developers’ mind, feel free to contact the author of this article and he will share his own in the field of gaming and gambling, and help with their realization with the creative approach!
In the long run, what we need for everyday life? Tools to make money and ways to spend it.
The unique features of TERA blockchain make it possible to place both in it.
Plus they will be independent of any central administration and free of censorship.
To inspire developers for actions, the Chinese TERA community announced a contest with a prize fund of 165,000 coins.

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Those who are interested in placing their DApps on TERA will be helped by DApp Paper - https://docs.google.com/document/d/10yXAKxaU7YgrQnbdXu_L7WWovUoRtdJwo3tXXaGZGSQ/edit
And a couple of words to the developers: You can choose TRON platform, you can choose EOS or Ethereum. But what are your priorities? All these systems are in the hands of corporate owners, which leads away from decentralization. And those who want to get away from totalitarian control and give the fruits of their creativity complete freedom should consider the TERA platform.
The TERA Foundation website has a page with a special world map. It shows in real time how many full nodes support the blockchain operation- https://terafoundation.org/map.html. To be among the first means to participate in laying the foundation, that is able to withstand a powerful boost to the rapid development of future technologies. If there is no your city on the map, only a few minutes separates you from correcting it. Instructions for node installation will help to join the TERA community and make your contribution right now.
It can be found here: https://sourceforge.net/p/tera/code/ci/mastetree/README.md

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Participation in the expansion of TERA encourages growth and development of the idea of freedom from central administration, which was stated when Bitcoin was launched.
These are not just fantasies or dreams, there are authoritative representatives of science who consider blockchains to be the basis for the economy of future, which will have no boundaries. And with the help of active participants full decentralization will come much faster. This development has no limits, since it is fueled by the independent striving, own free will and potential that is inherent in each of us.
submitted by evkara to u/evkara [link] [comments]

Frequently Asked Questions (FAQ)

1. Data Management

1.1 The Medicalchain Blockchain

How has Medicalchain Built its Blockchain?
Medicalchain has built a secure medical platform supported by a dual blockchain structure: Hyperledger Fabric and Ethereum. Medical data is extremely sensitive, in both a social and legal sense, therefore it was critical to focus on elements of privacy, safeguarding and legality whilst considering blockchain development. By selecting Hyperledger Fabric, we were able to build upon a modular architecture ensuring high degrees of confidentiality, resilience, flexibility and scalability.
Hyperledger Fabric creates a permissioned based blockchain that synergises two versions of patient’s data, the hash version being stored on-chain and the digital file version being stored off-chain (Expanded further in “How does Medicalchain Store data?”). The Ethereum network facilitates the smart contract transactions of our digital currency (MTN).
Further clarification: No personal data is stored on Medicalchain’s blockchain (on-chain) - hashes are binary numbers that represent a digital ‘fingerprint’ of your data.
What is the difference between a public and enterprise blockchain?
A blockchain is a network of nodes that maintains the publishing of a digital ledger containing all the transactions taking place within an ecosystem. Blockchain options can be generalised into two categories, a public and enterprise blockchain. Although serving the aforementioned purpose, the stark differentiators can be identified from node restrictions, publicity of transactions and consensus algorithm. Below we define the basic parameters of the contrasted:
Public blockchain:
Enterprise blockchain: (Medicalchain’s option)
How does Medicalchain store data?
Medicalchain’s data storage strategy uses a dual blockchain structure with a hybrid of on-chain data & off-chain data.
Only stakeholders which are relevant to the transactions on our platform will be aware of the corresponding transactions within the blockchain ledger. Hyperledger being a permission based blockchain, will ensure information governance by introducing layers of access control as well as security functions amongst all nodes, creating effective interoperability and data protection.
Why has Medicalchain decided to use a hybrid strategy?
Storing data on any blockchain is an extremely cumbersome and risk ridden pursuit. Creating physical servers that are certified by each local government’s regulatory Electronic Health Record (EHR) compliance procedures is not the most effective approach to mass adoption. Nor is it acceptable to mount such sensitive data distributed within personal devices or other non-compliant data storages - legal barriers are inbound for this approach. With this in mind, we’ve decided on selecting nodes that are already equipped to handle health data in a compliant way, such as hospitals, GP clinics, research labs, etc. Medicalchain will have a fleet of data lakes deployed in the areas which we operate in. Each one of these will be compliant to local regulations and will enable us to maintain data decentralization by removing reliance on a centralised data hub, while still maintaining the integrity of this data by recording the hashes of the datasets as an on-chain transaction on our blockchain.
To compound on the risks & limitations of storing actual medical data on-chain:

1.2 Data Mining

How do you plan on gathering all the different medical format files including hand-written documents?
Recognising that infrastructure for health data formatting varies from country to country is the first step. As for data mining for physical data (paper written documents) we will utilise OCR (Optical Character Recognition), whilst with electronic data we will use API (Application Programing Interface) integration in order to merge data into a user’s Medicalchain ‘Health Passport’.

1.3 Data Sharing

Can anyone see my Electronic Health Record?
No, all patient information is kept private. Only the person that the record pertains to is able to see their electronic health record and control who has access to it.
How does Medicalchain allow patients to share their EHR?
Every patient that signs up to Medicalchain will receive a Medicalchain “Health Passport.” Each Health Passport represents a unique medical identity for each patient; it contains a patient’s complete electronic health record. Access to this digital file is available through the Medicalchain application anywhere and anytime. It will enable patients to not only see their EHR, but to have direct control over who else has access to their data also.
What are the benefits of holding a Medicalchain Health Passport?
For Patients
For Doctors and Health Professionals
For Research Institutes
For Insurance Companies

1.4 Data Manipulation

Who can update medical information?
Only certified doctors can append the Medicalchain Health Passport under the correct transactional conditions (no doctor should be able to self administer results).
Can patients hide medical information?
There exists the opportunity for patients not to disclose aspects of their Health Passport using our platform. Their intent could possibly be avoiding higher insurance premiums or even denial in health coverage. However, in exchange, the health care/insurance personnel can limit their advisement, treatment and prescription based on knowledge that information is limited to them. Similar to how insurance companies will grant lowediscounted premiums for greater transparency from the patients and the opposite if not. At the end of the day, it is the patient's decision on what to share and therefore would also determine the amount of liability a hospital would be willing to expose themselves to.
There will be a surplus of data at times, depending on the treatment, so in that case limited access to only necessary information would be appropriate.

2. Business Strategy

2.1 User Adoption

How will Medicalchain approach each market?
Medicalchain's market strategy will be a bottom-up approach. Meaning patients are able to download the application and grant Medicalchain consent to help gather their medical data from the relevant parties. Once this is done we can request a patient’s records on their behalf and populate a patient’s Health Passport (EHR) on Medicalchain’s platform. Each market has its own unique landscape and Medicalchain has sought local experts to help us penetrate each market.

2.2 Institutional Adoption

Why would incumbent healthcare institutions adopt Medicalchain?
Institutions could tap into additional revenue streams by having access to Medicalchain’s ecosystem by way of integration with the patient network, leveraging our electronic health data marketplace, using our future value-added services within the Medicalchain ecosystem. Reduction in administration costs and improved medical accuracy; accurate aggregated data goes a long way in solving the issue of fragmented and disparate health records currently plaguing healthcare systems.
How does Medicalchain earn money?
For every transaction that occurs within Medicalchain’s platform, we will charge a fee. Payments for using services such as telemedicine, the health data marketplace and other applications that will be developed within our eco-system, are also subject to this fee.

3. Additional Questions

3.1 MTN Token

Where does Medicalchain's Token Value derive from?
Medicalchain token is a reflection of the utility health data has for all stakeholders within the medical industry (patients, hospitals, insurance companies, university research divisions, non-profit, etc) - please do refer to the white paper, it clarifies better.
What is Medicalchain's Token (MTN) Utility?
MTN is a Utility Token. It can be exchanged for several services on the Medicalchain platform such as: 1. Health Data Marketplace: Payment for accessing medical data. 2. Telemedicine application: Online Medical Consultation. 3. Other future applications that could involve medical goods, healthcare packages, etc. You will be able to convert fiat into MTN within the platform, which will be the international currency of exchange.

3.2 Patient/Practitioner Experience

How will Medicalchain’s blockchain change the customer experience?
From a consumer standpoint you won't actually be able to recognise the difference. All you will experience is the ability to open up your application and bear witness to your complete health records, as well as gaining access to the multitude of value-added services built on Medicalchain’s platform.
Can doctors from any country register to provide medical consultation on Medicalchain's platform?
It will be on a case-by-case basis. For example, registering a doctor onto our platform requires due diligence to ensure our standards for onboarding are satisfied, however the exact process varies depending on the particular country in question. The strategy will therefore be country by country, step by step. We eventually aim to allow any doctor anywhere to participate, as well as patients.

4. Medical Landscape

4.1 Competition

Medicalchain vs competitors?
Every day there erupts new startups, both cloud-based and blockchain powered that attempt to solve the same pain points as Medicalchain. We acknowledge that differing design choices have varying tradeoffs inherent in them, but we are confident that our solution is the correct choice to solve the problems of disparate and uninteroperable health data as well as disempowered patients.
Generally speaking, here are some defining differences:
Control of your own data:
We provide an alternative from entities controlling and profiting from your data by providing a decentralised data platform where all of a patient’s health data can be stored. Moreover, we give patients control over their data and give them the ability to use a suite of applications and services.
Open eco-system via API + SDK:
Having an open platform invites developers to craft applications on top of this system enabling Medicalchain to become one of the largest utility prospects for medical activities globally. Medicalchain plans to release applications for telemedicine consultations as well as a health data marketplace. However, developers are free to make any kind of application they would like that uses health data; the possibilities are endless. Decentralizing data for patients is just the first step of Medicalchain. We're developing an ecosystem for the healthcare of the future.
Decentralizing data for patients is just the first step of Medicalchain. We're developing an ecosystem for the healthcare of the future.
submitted by CD-digitalnomad to medicalchain [link] [comments]

Centauri Dreaming, Part 2: Three Rulers Enter, Two Rulers Leave

Part One is here.
April 22nd, 2045. South America has just discovered a binary star system with wealth beyond measure--Alpha Centauri. Six terraformable worlds, dozens of moons, asteroids, and comets, and perhaps most importantly, an alien wreck weighing in at 17,800 tons. It is a race against the clock now to claim the system before India attempts to counter their claim. Debate rages in Sao Paulo as to how to approach the situation. Some are calling for a diplomatic approach, while others seek to push the claim with a preemptive military strike. These war hawks are a minority at the moment, but a vocal one. After fruitless hours lasting well into the morning of the 23rd, the only consensus is to continue discussing the matter.
Africa continues with her quiet developments. With 15 research labs and an army almost the size of the other two nations combined, Queen Maritjie I, First Warlord of the Legions of Apollyon, knows that time is on her side. The longer that she can push off any conflict, the closer she gets to unleashing her Osiris class Battlecruisers. After pursuing some needed engine technology and finalizing the Osiris designs, the Queen decides to fast-track a ground force modernization program. Mobile infantry with all the perks of the Trans-Newtonian era would be a true offensive force, and her analysts are projecting that the gains would be colossal. Even better, she wouldn’t have to train them from scratch. Her current legions could be trained to employ the new equipment, saving both time and money in the process. A modern army would sweep away the low-tech alternatives of her rivals, and that, combined with the Osiris, is all that is needed for her victory to be complete.
The Indian Empire continues to push forward with previous initiatives of terraforming Mars and Luna, and exploring the nearby systems. Administrator Singh is well aware of his rivals’ attempts to outmaneuver him, but he is confident in his ability to project power across the Earth. After all, the birthplace of humanity is still the only true habitable colony in the galaxy right now. The eight Trinkat class Cargo Ships have been ordered to transport terraforming installations to Mars as fast as they are built. The red planet was chosen over Luna because of the proximity of the Earth’s moon to Earth itself. India wants to keep Mars a bit isolated, in case the worst case comes to pass on the homeworld. In less than four weeks, two Tabar class Jump Cruisers will leave their slips. While the design is little more than a jump engine on a small frame, it will allow the gravitational survey ships access to the systems behind all of the newly uncovered jump points, to hopefully map out more of the immediate area.
Before the Tabars launch from the Indian shipyards, Administrator Singh gets an unusual request from the South American Confederation--a meeting with the Primeiro-ministro Luis Caldeira personally to discuss a top-secret treaty. Within the hour, Singh agrees to the summit, and by breakfast the next day the two most powerful men in the world are having coffee together. The Confederation bureaucrats and Senadors had finally come to the conclusion that diplomacy would be more effective than an apparently unprovoked attack. Caldeira lays out his proposed treaty on the table. The Federation annexes Alpha Centauri, and the Empire annexes Sirius, setting the groundwork for sovereign control of deep space, outside the Sol system. Both nations gain quite a bit of new real estate, and secure areas to expand into without stepping on each others’ toes. As deal sweeteners, Caldeira offers up the information that they will be working on a large commercial jump ship in the mid-term and jump gates in the long term, both of which will be available to India to utilize when they come available to speed up efforts. Singh carefully considers the deal before him. He is suspicious of the terms, but recognizes that Caldeira is subtly hinting recognition that India will be getting the lesser of the two systems. Regardless, the Indian Administrator sees the potential upside, and Caldeira’s bluntness and aggression on the fact that the Confederation would be taking Alpha Centauri only implies that the nation would not forgive or forget India’s reluctance in this, especially with India’s claims on Mars and Luna. Rather than make an enemy immediately, Singh decides that discretion is the better part of valor and agrees to the deal. After all, his empire will have more than enough to keep them busy over the next several decades without worrying about a possible war on Earth. They end their time with a brief discussion about the future of Earth--they both agree that it would be preferable to make humanity’s homeworld a demilitarized zone in the future, but are unable to come to an agreement about how to make that happen. They put in place a soft agreement at a rough maximum of 30,000 tons of PDCs on the planet, with the promise to relocate military bases offworld at a convenient time in the future. As one final statement, Caldeira mentions offhand to Singh that, as a token of goodwill, he recommends the Indian Administrator look into the second jump point for something that might make for an interesting race between their nations.
Within days of the announcement of the summit and the publicizing of the two claimed systems, the two Indian jump ships launch. Almost simultaneously, the Confederation unveils three more Tapajo class Defense Bases. Singh takes the sign as further proof that he made the right call, despite some of his military advisors saying that he should have fought for the better system. The Tabars head to their first jump points, under strict orders to avoid jump point #5.
In Africa, Queen Maritjie I is filled with rage at the news of the cooperation between her two rivals. After throwing some nearby items, she stops to think about the implications. It seems unlikely now that she will be able to secure an offensive alliance with South America, so she will have to look inward to find the strength to conquer. That makes the establishment of a strong modern navy and army all the more important. Those projects are now consuming all of the possible resources that they can, including building ship parts in the industrial sectors.
By June 5th, 2045, India had discovered the alien wreck in Proxima Centauri. With this discovery, they diverted all of their research into salvaging. In the following weeks, their realized their logistical problems with getting anything into the system, as they currently lack a jump gate or jump ship big enough for the needed cargo space, but they are taking the problem one step at a time.
The year passed mostly uneventfully. By October, South America had done enough research to lay down plans to retool the Viera International Shipbuilding Complex for the Liberal class Jump Freighter. At 62500 tons, the Liberal could warp both the Amapa class Freighter and the Niteroi class Colony Ship, in addition to hauling some capacity of its own and enough extra fuel capacity to get an entire cargo task force the entire 16B kilometer round trip from Earth to Alpha Centauri.
In December, an Indian geology ship working in Sirius found signs of an alien ruined city on the eighth moon of the third planet of Sirius B. This discovery once again sent ripples through the scientific and military communities of India. The scientists were constantly reworking different models, trying to predict the former spread of the aliens who once inhabited this part of the galaxy. The military just wanted to know what happened to them. India hustled to put together a xenology team and get them to site of the discovery. While the moon unfortunately did not have any minerals, it was going to be easy to terraform to support human inhabitation. The seventh moon right next door was also close to inhabitable, and had 17.6 million tons of accessibility 0.9 Mercassium, in addition to several deposits of 0.1 minerals. Sirius was proving to be a fantastic addition to the Empire.
In South American space, Alpha Centauri was proving to be slightly more disappointing, even without knowing about the Indian’s ruined city. They found hundreds of millions of tons of every Trans-Newtonian Mineral, but almost all of them were at minimal accessibility. One very notable success was 9 million tons of accessibility 1 Duranium. Given the ubiquitous nature of that mineral, it was a very fortunate find indeed, but most of the discovered mineral deposits would require a vast number of mines to extract. Geological teams were sent out in the hopes of uncovering more.
The year 2046 was going smoothly and peacefully until August, when the African Union became the final nation to enter space. To Queen Maritjie I’s shock, the first African ships in space were not, in fact, her grand Battlecruisers. In the queen’s obsession, she left the domestic affairs to appointed ministers, most of whom were, if not loyal, at least self-interested enough to not rock the boat. As the Osiris development moved along from concept to production, the queen’s interest in the specifics of research and commercial construction fell to nearly nothing. Fortunately or not, a deputy minister of naval affairs with delusions of grandeur saw the parts of Her Majesty’s economy that fell through the cracks, and put in motion a plan to wrest control for himself in a most peculiar way. By the time the queen heard about the Temerario-F class Freighters and Temerario-C class Colony Ships, the first two T-Fs were already underway carrying infrastructure to Io, under the command of the newly declared Minister of Jovian Affairs Mujahid Ismail. Despite her initial fury at the diversion of resources, Queen Maritjie I was left with only the options to accept Minister Ismail’s plans as actually being her own, or admit that a simple deputy minister was able to somehow set in forth plans for interplanetary freight and colonization without her. To Mujahid’s credit, he left a complete paper trail back to the queen and gave her full credit for the idea “to expand the glory of Mother Africa to the stretches of the cosmos.” He also left her a carefully crafted report outlining his initiative in the context of her plans for conquest, which as deputy minister of naval affairs he was well versed in. By distracting the other nations into believing that Africa had indeed begun to focus on other interests, they might let their guard down so as to allow the African armies and battlecruisers the biggest element of surprise. The queen did calm down after a time and see the wisdom of Mujahid’s plan. That did not stop her from executing the minister of naval affairs who had allowed his underling to usurp so much power.
After the initial shock globally died down, for a few days things largely settled back into normalcy. Exploration of the mineral wealth of the surrounding systems continued, and in September the Americans found one of the things they had been most hoping for--almost 15 million tons of 0.7 accessible sorium of Alpha Centauri-B IV. With a bit more technology, they would be set for fuel production for the foreseeable future. This discovery was overshadowed by events on October 15th, 2046. That was the day that the three Osiris class Battlecruisers left their slips. It coincided with the launch of three civilian colony ships from Van der Post Container Company, just as planned by the Mujahid Initiative, and for those first few critical seconds, the massive size of the 15,000 ton battlecruisers was mistaken for commercial designs. Hindsight, as they say, is 20/20.
At 6:04am local time, New Delhi, the battlecruisers Anubis, Set, and Osiris opened fired on the Indian PDC Rana 001 using Planetbuster 8-1 “Pike” missiles.. The specially designed Turk Megacorp Planetbuster series of missiles had an overpowered warhead at the expense of speed and maneuverability for knocking out PDCs on planetary surfaces. The first sign that anyone had that something was wrong were the thirty strength-9 explosions that decimated the third mountain in the Teram Kangri chain in northern India. In the blink of an eye, 12 million people died from shockwaves and spreading devastation, in addition to almost 10% of all Indian refining, construction, and mining capacity. The hit was so sudden and fierce that the Indian response delayed by precious seconds. It was almost a full minute before the PDCs were able to respond with return fire. Two of the ten Acheron Light Cruisers were down for repairs, sloppily letting training exercises outpace maintenance standards, but this same training would prove very fortuitous for the Indians. Despite an initial period of chaos and targeting different targets, the Acherons got their missiles off in just over half a minute. When the Ranas finally responded, coordination had still not been reestablished, but it was well underway. Fortunately for the Indians, both PDCs launched missiles at the same Osiris--the Anubis got hit hard and lost a missile launcher and her active sensor. The vastly superior rate of fire of the Indians allowed each of the PDCs and the Acherons to get another round of shots off before the Osirises were reloaded. This time, the Set took some pretty heavy armor damage, but nothing was able to penetrate. The Anubis got away with only losing one of the crew quarters, very light considering no one was in the compartment at the time. The Anubis was leaking atmosphere in seven different locations.
At this time, the Boss of the African Task Group Aasir Maruge decided to spread out the fire a bit more to economize on the time delays. It would do them little good to waste missiles against mountains, and they would be taking at least 3 salvos of over 10 missiles before being able to fire again. He cursed his orders to open fire immediately, wishing intensely that he could have opened the range and picked off the Acheron ships before turning on the PDCs. Still, the new strategy proved fortunate. The Anubis was able to pick off the Rana 001 by herself, leaving the other two Osirises to open fire on the other. Unfortunately, Boss Maruge forgot to factor in his ships’ relative inexperience, and the ships wasted precious seconds getting ready to fire. The Rana 002 was able to reload and fire simultaneously with the Set. This turned out to not mean much; almost half of the Indian missiles missed the Anubis, and those that hit did not cause an internal damage. The Rana was not near as lucky.
Four minutes into the battle, this is the situation: Apart from armor being devastated, the Africans had only suffered the loss of one missile launcher, one active sensor, and one crew quarters. The Indians are down to only one PDC, and that one has lost a magazine, four of its ten missile launchers, and two crew quarters. The casualty count has so far been over 23 million people, with almost one-fifth of all Indian industry being destroyed in the fallout. Radiation and dust are already projected to decrease global temperatures by over 5 degrees Celsius. Mountain ranges have been leveled in both the Karakorams and the Himalayas. And the Africans have not yet lost a ship.
With everyone in command now well aware of the situation, targeting was no longer split. The Anubis was targeted by all eight functional Acherons and the surviving Rana, which all got off at least one more salvo before the Africans were ready to fire again. Astonishingly again, the Anubis survived largely intact, despite missing over three-quarters of its armor belt. It lost another two crew quarters and two missile launchers, with 7 missile launchers remaining. The three engines have taken nine hits so far, and are all still standing strong.
Next time the Anubis and Set fired, the battle ended. The Rana 002, despite technically surviving, lose 9 of its missile launchers and its bridge. More importantly however, it lost its active sensor. The Acherons lost any capacity to see their targets anymore, and became completely subject to the whim of the African fleet. The entire exchange lasted less than 7 minutes, and resulting in one of the bloodiest conflicts in human history. While it was nowhere near the scale of the billions who died as a result of the North Korean-started World War III, over 30 million people lost their lives. And the devastation was to continue, it appeared, as African started the ground invasion.
Administrator Singh, desperate and frantic in an attempt to stem the African tide, ordered the surviving PDC to continue launching even without active sensors. This led to a missile that targeted one of the South American Tapajos. The point defense worked admirably; the missile was shot down even at point blank firing range. However, by this time, Primeiro-ministro Caldeira had been pushed too far. Earth was once again under assault by her own people, and he was not going to put up with more bombardment. In one volley of massed meson fire, all three African battlecruisers lost active sensors, fire controls, another 7 missile launchers, two magazines, and all three ships lost one of their engines. Hundreds of crew were dead, and now the grand fleets of both Africa and India were effectively worthless. The Tapajos fired again, just to drive the point home, killing hundreds more and ensuring that the Osiris class Battlecruisers were no longer anything resembling a threat. The blunt efficiency with which the South Americans ended the African fleet had an important side effect--when Luis Caldeira informed Administrator Singh and Queen Maritjie I that they would be meeting him in person to discuss “recent events and the future of the world,” both knew damn well that they better be there or risk making an enemy of the nation that effortlessly swatted the force in seconds that India hadn’t been able to so much as slow down after hundreds of missiles. African armies withdrew from Indian soil, and all combat operations stopped. Africa might have started the war, but South America just finished it, and it was clear to all that South America was now the force dictating terms.
The peace summit took place 12 hours later in the ruins of Geneva, symbolic for those who had studied 19th and 20th century wars. In addition to the three leaders, the major colonial governors and senior political officials were invited--including Mujahid Ismail from the African colony of Io.
Caldeira put the following provisions into effect:
1) there would be a complete demilitarization of Earth. All ground troops would be removed, and all military vessels and shipyards would be based offworld. The only PDCs allowed on Earth would be the Tapajo class (and descendants), and that would be strictly in a defensive role. Both Singh and Maritjie I were a little taken aback by South America’s willingness to demilitarize itself as well, but they had little inclination to argue. This would be fully in effect in two years time.
2) reparations would be made from Africa to India--namely, the lost installations would be returned completely. By final count, this was 135 construction factories, 86 mines, 13 ordnance factories, 9 fuel refineries, 5 maintenance facilities, 1 research lab, and 1 mass driver. This would go into effect immediately.
3) Queen Maritjie I would be executed for war crimes, in addition to the three captains in charge of the warships and the commander of African forces. An interim democratic government under Mujahid Ismail would be put into place until elections could be held. This would go into effect immediately.
This last provision might have caused more stir, but no one came to Maritjie’s defense. Ismail was largely seen by both foreign and domestic forces as more moderate, if dangerously ambitious. And so, within 24 hours of the greatest devastation Earth had faced in three decades, the political climate changed irrevocably and entirely. Africa was down, but not crippled. New leadership, with more tendencies towards subterfuge than warfare, was now in control. India was angry at how much they had been wronged in the treaty, but Singh realized at that moment just how serious Caldeira was about a safe haven on Earth. It helped that he also realized that he would have literally nothing if South America hadn't stepped in when they did. And the South Americans secured their safe haven. While wary of potential fallout from his heavy-handedness, Luis Caldera is ready to ensure that Earth is forever safe from those who would destroy her, seeking glory and triumph in order to become momentary masters of a fraction of a dot. A new age had come.
Part 3 is here!
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