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The Real Driving Simulator

2010.09.24 19:01 The Real Driving Simulator

A subreddit dedicated to the Gran Turismo series. Come here for news, discussion, speculation, and help. Post your garage collection, strategies and techniques, photos and everything in between!

2018.02.12 14:59 chopchopped Hydrogen Societies for a Green Sustainable Carbon Free Future Now!

Welcome to the best source of hydrogen news on the net. Hydrogen is about much more than cars in 2022. Drones, Trucks, Trains, Buses, Ships, Forklifts, Bin Lorries, Backup Power, Bicycles and more are being fueled with green hydrogen today, leading the path to carbon free mobility and more. Green H2 is key to the green energy transition. A trillion-dollar industry is being born - watch it unfold here, now.

2016.10.29 08:08 chopchopped Wasserstoff ist die Zukunft

Wasserstoff = Hydrogen in Germany and Brennstoffzellen = Fuel Cell. Watch the new energy revolution unfold, and please subscribe. Post anything relating to Hydrogen and Fuel Cells in any language. Translate articles into your language at

2023.03.21 21:45 GWSecureParking A message from a George local

Hey everyone, I just discovered all of you and I wanted to tell you: As a George local, I have grown up witnessing Dave Matthews Band show up for their fans every year, and that in itself is special. But it's not just the band - the entire group has always shown me and others so much kindness. Whether I was a gas station attendant or working in restaurants, whenever Dave Matthews Band weekend would come up, I could feel a sense of relief knowing that I would be treated with kindness. The Gorge is a huge place, and a lot of people shuffle into our little town every weekend. Being a customer service representative can be hard, but the kindness of the Dave Matthews Band has made my job a little easier. I won't go on much longer, but I just wanted to express my gratitude to the fans for always treating myself and others with such kindness. Thank you for being genuinely good people who care about their fans and their community.
GW Secure Parking
submitted by GWSecureParking to DMB [link] [comments]

2023.03.21 21:45 carcinogen003 Sudden fainting multiple times-- trying to figure out what happened

This happened maybe two weeks ago and I'm still a bit puzzled about what happened. I'm a 22yo fairly healthy though probably very out of shape/borderline underweight and not great diet woman. I went out for Saint Patrick's day with my friends, started drinking at about 12 noon without having any food. I didn't actually drink very much: a wine shooter, some soju shots, probably two margaritas in total from 12pm-7pm. We walked around to different bars after waiting in line from 12-2 to get wristbands for a bar crawl. I also had half an edible gummy from a dispensary-- only took half as I don't usually smoke weed and didn't want to get very high. All my friends took a whole one and had no problems. I also did not really drink any water from 12-7, maybe a glass of water at one of the clubs.
At about 7pm, we were waiting to get into a bar outside and I started feeling kinda sick. Suddenly a hot sensation kind of flooded my head and before I knew it I was being picked up off the ground by all my friends. Apparently I had just dropped and fainted about 4 times in a row, eyes rolling back in my head fainting with a faint pulse. They were currently on the phone with the ambulance. When I came to finally, I was really confused and concerned but felt fine, just tired. I drank some water, and then we went home. There were no lasting effects, though my hands and feet felt cold for maybe an hour after. (It was Chicago so pretty chilly outside.)
This is really out of character for me. I usually have no issues with alcohol and I used to be a tank in my early years of college. I would be surprised if it was the gummy too, considering I took a pretty small amount. I've never fainted in my LIFE.
I've narrowed it down to just having passed out due to exhaustion and dehydration although I'm still kind of baffled. I've been to music festivals before and did not have this reaction despite having had similar amounts of alcohol and being out all day with minimal food and water. I don't think I was roofied because of the lack of lasting effects afterwards.
Do people think this is just exhaustion/dehydration or should I go to a doctocould it be something else? One of my friends asked me if I had low iron and I don't think I do. Unsure of whether this is a big deal or not.
submitted by carcinogen003 to medical_advice [link] [comments]

2023.03.21 21:42 ALX798 Need advice SW home visit tomorrow for mother w Alzheimer’s

Hello I don’t know what to expect or how to prepare. My mother has early Alzheimer’s and although she is still independent for most things she needs lost of help but. Main concern is that mom is upset bc she doesn’t believe require any help but I do so much for her. She is good with toileting and personal care just needs reminders but she does frequently lock herself out of the house so I installed a camera and alarms on all doors windows. Things like shopping, planning meals, and cooking have become too complicated for her or she just forgets to eat. She lost 15 lbs since last year her said it was bc of her disease and said she needed someone to start supervising her meals so I do all the cooking and shopping for her. She also frequently forgets the stove on and burns pots. She has tried and gotten into the wrong cars when we are out as well and she is no longer able to drive, can’t pay bills or keep appointments. She does weir things m like instead of turning on the heater she decides to turn on the stove to warm herself which scares me bc it is a gas stove and I even caught her once trying to put her foot on the stove bc her feet were cold. Will this be enough to get approved for hours? Do I need documentation from her dr? Please help I don’t know how this works I don’t have Facebook and the SW seems very rude and short on the phone. She didn’t even let me explain anything just gave me the date of the visit.
submitted by ALX798 to IHSS [link] [comments]

2023.03.21 21:33 RichSlamfist Playing RE2 again has really made me appreciate the RPD

Like most residential evil fans; I'm over the moon waiting for 4make to drop, so I'm replaying the Remake collection, starting with 2. If you've never played, the first 2 hours or so take place entirely in our beloved RPD, much maligned map to the community.
I'd played RE2 on release, and hadn't played it since finishing, and replaying, and realizing that the RPDs layout is almost 1:1 exactly the same in DBD as it is RE2 is staggering! I caught myself using the same loops on Mr X I would have a pesky Nemesis player. I knew how to get around the map with unbelievable ease solely from years of DBD.
I know the map is unpopular, but its a testament to how well done the RE collab was in DBD that they captured the entire layout, atmosphere and vibe of the police station and put into DBD. now, whether or not that makes it a balanced map Is an entirely different argument lol.
submitted by RichSlamfist to deadbydaylight [link] [comments]

2023.03.21 21:27 sonka_mj No free pickup parking soots = late?

I just started doing Spark for the first time today and one of the orders I got was from Sam’s Club. All 10 of the pickup spots were taken and it took a few minutes for one of them to free up. When this happens and you’re just waiting for a spot to free up, will you be dinged for being late?
submitted by sonka_mj to Sparkdriver [link] [comments]

2023.03.21 21:25 tonnie_taller Neighbors raise $10K for 91-year-old veteran who was robbed at gas station

FAITH RESTORED – A 91-year-old Army vet was robbed of $7,000 while he stopped to pump gas on the way to the bank. His Arizona neighbors stepped in to help. Continue reading… SPOOKY SPOILER – A magician from New York has gone viral for debunking paranormal videos and revealing how “ghostly” content is actually made. … Continue reading Neighbors raise $10K for 91-year-old veteran who was robbed at gas station
submitted by tonnie_taller to Tonnie_Taller [link] [comments]

2023.03.21 21:24 Opossum4444 Interviewer said remote, TO and job posting do not

Interviewed for a DOE position but the announcement number was not included in the interview request. I accepted the request and interviewed, during which the interviewer stated it was a remote position. We did briefly discuss one of their office sites that I could commute to occasionally. I had applied for several DOE positions with the same position title in the previous months, one of which was remote and 2 others weren't, so I figured this interview must've been for the remote one.

I received a call extending a tentative offer but the position was stationed at the previously mentioned office site, no mention of remote. I inquired about this and HR said they would get back to me. We all know how that usually goes. It's been 3 business days with no update, which I know is a short period of time but I'm on a time crunch due to other obligations and offers I need to respond to, so I'm antsy.
The announcement number given in TO is for a position that is not remote.
Basically, my question is what are the odds that someone messed up and the position isn't actually remote? Is remote something that can be negotiated for or am I SOL?
It sucks because its GS-9 (the highest I'm qualified for) and a ladder position, but GS-9 salary is not going to cut it in the office location or even the nearest city people commute from (Pacific Northwest level rental and housing prices but with 1/10th the amount of inventory--there's literally <15 places I would be able to afford to rent and they're all tiny studios that would be an hour from the office).
submitted by Opossum4444 to usajobs [link] [comments]

2023.03.21 21:23 throwawaylurker012 Everything Everywhere All At Once: The Citadel Big 3 and how Citadel’s sphere of influence has its fingers stuck not just in the stock market, but the municipal/bond market and sovereign debt/sovereign debt credit default swaps to dangerous degree

Everything Everywhere All At Once: The Citadel Big 3 and how Citadel’s sphere of influence has its fingers stuck not just in the stock market, but the municipal/bond market and sovereign debt/sovereign debt credit default swaps to dangerous degree
TL;DR: Citadel doesn't just have a major outsized influence in the US stock market via its market making firm/hedge fund, but also a major indirect influence via Headlands (biggest municipal bond trading firm made of 3 ex-Citadel employees), and direct influence on sovereign debt (can decide when sovereign credit default swaps pay out) with its seat on the CDDC (Credit Derivatives Determinations Committee).

Hi y’all. Been some while since have been able to post regularly here, so I’m returning alongside my recent post on FHLB with a bit of a “DD". Partial rush job, so all errors are mine and mine alone (obviously)

0. Sphere of Influence

Over the past 84 years (/s), you lovely apes at Superstonk have been able to fish out many of the finer points of corruption crystallized into pure, unadulterated financial terrorism and financial terrorist-level crime undertaken by Steve Cohen (Point 72), Jeff Yass (Susquehanna), Doug Cifu & Vincent Viola (Virtu), as well as Wolverine Trading, Jane Street, TwoSigma, and more. But, of course, much of it has centered on our Mayo-artist-in-residence and his firm, that of none other but Ken Griffin and Citadel.
One of the biggest finds that has come to light has been the complete and utter bullshit of having (1) a hedge fund and (2) owning a market making firm that most DEFINITELY does not use that non-public information to its benefit? I mean, it would be easy for us to check except that we need 5 swipes to even access that level of inner sanctum at Citadel, which–per DLauer’s words–is more than the fucking Pentagon.
But despite Ken Griffin’s reach into every aspect of the most influential stock market in the world, that is not his ONLY level of his sphere of influence. For we, dear apes, can step back and revisit this idea that Citadel’s power duo (its market making firm and hedge fund) is more like a single part of a Big 3.

1. Meet the Big 3

Citadel’s sphere of influence includes not JUST (1) the stock market business, but directly or indirectly, the (2) U.S. municipal and bond markets, plus (3) the sovereign debt/sovereign debt credit default swap markets.

Yes, you heard that right. Citadel not only has some sufficient level of influence to tank your favorite stock–and, in turn–retirement fund, but can also effectively drive your city into the fucking ground, or even your country.

I’ve written about each of these at length, and wanted to revisit some pieces in the wake of our recent dick twitchings of the coming financial crash.

2. Meet the Municipal Bond Market

Citadel has an indirect grip tickling the taint of the municipal bond market, believe it or not. I first wrote about the municipal bond market here (“Headlands: How ex-Mayo mercenaries copy pasted Citadel’s model in the muni bond market”): For those unfamiliar with municipal bonds, I’ll reiterate what they are and why many push them as a safe investment in most times (with some caution being thrown intermittently due to the collapse of regional banks like FRC and Silicon Valley Bank):

“Municipal bonds (or "munis" for short) help towns/cities raise money for projects like building schools, parks, and fixing highways. Many retail investors--admittedly, on the wealthier side--invest in munis for tax incentives like not paying federal tax on bond returns. In certain cases, certain muni buys also mean no state taxes are paid…Just like what had happened to stocks, the old-school market for buying and selling muni bonds is going electronic. This is mainly done through an ATS, or "alternative trading system" known also as a dark pool. This speeds up the process of buying and selling munis, making it closer to a "house auction".
In the wake of the SVB (Silicon Valley Bank), there have already been rumblings of its effect on the municipal bond market (Bloomberg “Bank Woes Create Bond Bargain in Obscure Corner of Muni Market”):

“Investor concerns over the crises within the financial industry are bleeding into a corner of the $4 trillion municipal-bond market where major investment banks guarantee energy for public utilities….
Spreads have widened on so-called prepaid gas bonds, which government agencies use to purchase long-term supplies of natural gas. Large institutional banks act as facilitators of the transactions, guaranteeing the supply and providing investors tax-exempt exposure to bank credit….

3. San Jose, Revisited

That part about “large institutional banks” acting as facilitators of the transactions is what we saw in part in this post by [redacted].
A commenter spoke about this, and how it wasn’t Wells Fargo in doo doo but the city of San Jose.

“I believe in theses cases it’s not Wells Fargo that has a problem but the city of San José.

„Because presentments are currently processed automatically at DTC, IPAs have the option to refuse to pay (“RTP”) for maturing MMI Obligations to protect against the possibility that an IPA may not be able to fund settlement because it has not received funds from the relevant issuer. „ -> Wells Fargo didn’t receive the money from San José city.
Wells Fargo acts as an issuing agent for the city - the city transfers assets to the trustee and the trustee securitizes the assets and offers the money market securities to investors. The assets generate money (for example a sports arena that was build) and that money goes through the city of San José to the trustee who is managed by Wells Fargo.
Wells Fargo has no liability or influence on the money that comes from the city and is distributed to the investors. If the money doesn’t come or isn’t sufficient, the assets are sold or liquidated and used to pay investors.
Anyway: Wells Fargo acts on behalf of the city and is not responsible they just handle securitization but don’t have any influence on payments or failure/default.”

In this case, we might be seeing one of the first of MANY issues of cities up shit’s creek over this.

4. The Municipal Bond Market Time Bomb

The size of the municipal market is A SHIT TON BIGGER than the corporate bond market, which will already show even more signs of being turbo fucked due to borrowing at low interest rates for years. Here’s the size of the municipal bond market for scale, sans banana:
Unfortunately, just like retirement funds, many muni investors are “buy and hold”: they buy a muni expecting a safe, long-term return with no federal income tax and then, welp, shit hits the fan. The market is heavily illiquid too, meaning if shit needs to move, then you might be fucked. Only about 1% of municipal securities trade any given day, in auctions that often take HOURS:

“Now, the primary method of trading on this doesn't look like the New York Stock Exchange or like Nasdaq. It looks like an auction. It takes about 4 hours. An auction is initiated. Participants who come in can bid on this, and it is a competitive auction that yields a very good price.”

Now to my understanding you can’t short these bonds, but the long time frame means its hard to sell these illiquid assets. Not only that, THERE IS NO NATIONAL NBBO (National Best Bid Offer)’re flying blind while this shit happens.

Now if you’re wondering what magnanimous souls are helping municipal bonds be sold or fixed in a timely manner for cities like San Jose, well have I got news for you.

5. Meet Headlands, U.S. Municipal/Bond Market Making Firm…Run by 3 Ex-Citadel Employees

Two months after the sneeze (March 2021), TD Ameritrade bought municipal bond market maker Headlands. Yes, that’s right…an electronic market maker just like Citadel, this time for bonds for cities and towns vs. stocks. Now let’s check the fine fellows that run this:
  • Jason Lehman: Citadel Investment Group, began/ran their global options market making, dipped his dick in Japanese convertible bonds, and managed “Private Investments”
  • Neil Fitzpatrick: Citadel Execution Services COO (Citadel Investment affiliate), ran equities/options. Ex-Knight Capital Group, did Citadel’s OTC and equity shit. Direct Edge board of directors.
  • Matthew Andresen, co-CEO Citadel Derivatives (Citadel Investment affiliate). Previously served on board of directors/committees in the past from International Securities Exchange, Direct Edge, CFTC, Lava Trading (Citi’s electronic trading unit that made LavaFlow)

Of note, Matthew Andresen founded Island, one of the 1st dark pools EVER and 2nd only to “Instinet” (who also got an even bigger wave of funds during the sneeze, info courtesy of Ringing Bells) and was featured heavily in the Scott Patterson book “Dark Pools”.
Ol Matty told us that Headlands is completely automated, and where some muni traders make 75-100 muni bond sales a day (sometimes over the phone), Headlands currently bids on 10,000+ bond auctions a day with its algo. Matty Boi even said if that number ever 10x’d “we wouldn’t notice.” Even more sus, Headlands has been growing its own “holdings” of muni bonds on its books.

6. In Bros We Trust

So remember, this branch of 3 ex-Citadel bros is front and center to the issues already rearing their head. In my previous post, these were just SOME of the already teetering municipal bond issues:

  • Some might have history befall them again: last time the market crashed, Michael Burry’s California went spiraling down to BBB rated for many municipal bonds. California is a special muni case where it generally does well when times are good; much of their revenue is tied to personal income taxes. But when shit goes tits up, it goes tits up.
  • Major projects have tons of debt piling up due to the [March 2020 crash] New Jersey built a giant ass mall–I kid you not--called “The American Dream” over 10+ years that has no sales receipts to cover it in part due to the dropoff in retail buying. As of 2 weeks ago, the mall only had like less than $1000 in the bank to pay off muni debt (“Developer Triple Five Group also sold US$800 million of muni-debt backed by payments they agreed to make to bondholders instead of paying property taxes”)...
  • NYC’s MTA has been getting reamed by both ends. One of the biggest shitstains on its books is that it took out a shit ton of municipal debt and opted to sell $3 billion in bonds to the Fed’s muni lending program to stay afloat
And this issues extends way beyond the U.S.' 50 even affects our territories too.

7. Hurricane

What began this rabbit hole was the one and only welp 0 0 7, who caught wind of some fuckery in the municipal bond market:

In the post, he mentioned how "American Thinker" 's Joseph Lawler mentioned the SEC has been giving fucking STIFF Heismans nonstop (or per [redacted] the ol' Dustin Martin "don't argues" for you Aussie apes!) on FOIA requests (Freedom of Information Act) related to the municipal bond default in Puerto Rico, the BIGGEST bond default in America's history EVER.
It went all the way the way up to a federal court in California where the SEC said "we don't know what you're talking about" when others found they have fucking 2800 pages of documents on it and nearly 270,000(!) emails referencing it referencing a billion dollar Ponzi scheme on the level of fucking Bernie Madoff.
Big banks (Citi, Wells Fargo, BoFa) had their scheme collapse in 2016, potentially bribed senators to kill investigations into it by the DOJ and now the SEC is caught in yet ANOTHER 2 lawsuits saying they fucking aided and abetted this shit.
You see, because this level of municipal bond includes fuckery includes not just cities and towns, but U.S. TERRITORIES. In my post about Hurricane Maria’s effect on Puerto Rico, I talked about how UBS and others loaded up Puerto Rico with debt because of what’s called a “Treasury Put” guarantee that was even called “an exit strategy” for banks (“They describe the "treasury put" as "...the implicit guarantee -- as perceived by investors -- from a government agency to provide support in the event of financial distress by the issuer of Puerto Rican bonds."”).
Puerto Rico’s default was the largest in US history, EVER. And all this the same while guess who was holding the bag? Let’s see what W S O P tells us:

“The reality is that a large percentage of Puerto Rico’s debt is held in tax-free municipal bonds and municipal bond mutual funds, owned not by Wall Street banks or tycoons, but by mom and pop investors seeking tax-free income.”
So once again, whether its retirement funds or municipal bonds, its retail caught holding the bag. And this hasn't changed for years. We’ve seen similar fuckery with bonds for NYC in the 70s, and more recently in the 00s for Detroit.

One astute wrinkle by the name of [redacted] posted this on that original post trying to dig into how it could all be related:

…how the MMLF fund that expanded money/credit to towns/cities started including commercial paper…but also leveraged near the 15 to 1 ratio perhaps under the Net Capital Requirement limit:
[redacted said]: "$500B at 14:1 Leverage? If I'm making the right connection between the flavor of asset, that's just under the 15x Net Capital Requirement limit. Is this all the Fed had/could afford? Or is this all they needed at the time?

8. Don't Bet Against America...Says the Banks and Hedge Funds That Already Did

Commercial Paper? Municipals related? Now where does that sound familiar? Ah, yes…the city of San Jose got its call-out by Wells Fargo over COMMERCIAL PAPER. This comes as the push for ppl into municipal bond markets continues, trying to sell it as a “safe haven” to retail investors. Vanguard just recently launched its first ETF–surprise, its first US-listed ETF in 2 years– for municipal bonds (selling point: “hey everyone it’s tax-exempt! Give us money plz!”) for example:

Many of us can see all of it for what it is. Bullshit. In the wake of the SVB collapse, there is still a strong push that these regional banks–many of which lend to municipalities–will be fine. This “safe haven” theory continues, even as articles try to have them appeal abroad (such as a few days ago, “ ESG Factors of Munis May Attract Non-US Investors” “”)
Even further, one last find is that . I mean it’s not like credit default swaps can be taken on cities and towns in theory right?

FWIW also I found an interesting research paper talking about hedge funds buying up credit default swaps, and how they could potentially bankrupt towns/municipalities through some of these moves if they wanted:
"Another potential concern is that even in a market that is generally liquid, the market for individual single-name [Credit default swap]s may be quite small, which could allow a single bad actor (a hedge fund, for example) to force a municipality into default..."


This is all while we have 3 ex-Citadel heads in charge of just how the municipal bond market moves, like that of San Jose.
So is this where Citadel’s reach stops? Clearly, no. It doesn’t stop at the US border, just like how Mayo Force One doesn’t.

10. ELI5: What’s a Soverign Credit Default Swap?
That’s right, mofos. You read that sub-header right. In case you’re wondering, not only can you take out credit default swaps on a failing Swiss bank like CS, but you can do so ON ENTIRE FUCKING COUNTRIES.
In one of my old posts “Sovereign Debts & Ransom Notes: Pt. 1 The Importance of Being Non-Linearly Destabilized through Sovereign Credit Default Swaps”
(“”), I talked a little more about the insanity of these things even existing.

Sovereign credit default swaps exist. Long story short: sovereign credit default swaps are insurance policies that if a country defaults (usually on its debt)then you get paid! Like many other shit that we’ve seen in the GME saga, they are a form of financial derivative (a bet that something goes up, a bet that something goes down) on an underlying (the thing you’re betting on)....They can be used to insure government debt for a country in case that country is unable to pay its debt, for example. However, just like other instruments, naked sovereign credit default swaps also exist.

Naked sovereign credit default swaps are used to bet that a country or a country's debt will fail without you owning that country's debt. In part, they were destabilising during the Euro-crisis immediately after the 2008 financial crash. Greece was one of the countries that got naked shorted in 2008. In fact, the country got shorted so bad they were worried about fucking SHORT SQUEEZES on Greek debt and the sovereign CDSs!
In 2012, the EU put a ban on naked sovereign credit default swaps. However, workarounds include the fact that a country can effectively change its mind on it within 24 hours and all the regulatory agency can do is offer an opinion.

There were a tons of perhaps “we will see soon” if relevant additional points in that old research, including:

  • The VIX affects sovereign credit default swaps A LOT
  • The Big Bang Protocol: ISDA helped formulate a set of rules that decides when a country “defaults”
  • You can “short” a sovereign bond if you find a locate (sound familiar?: “Short sales of shares and short sales of sovereign debt will be permitted only where the seller has “located” the share or debt instrument prior to entering into the agreement and has a “reasonable expectation” of being able to borrow the shares.”)

Crazy shit. So you might say, now this post is meant to be about Citadel’s sphere of influence you might say? “Where does Citadel fit into all this? ”

11. Meet the CDDC (Credit Derivatives Determination Committee)...Where Citadel Sit and Helps Decide Which Countries Default on their Debt

One of the biggest GFC 2008 scenarios of sovereign credit default swaps being misused was against Greece. Afterwards, one of its biggest cases of misuse was by Elliot Management (ran by Paul Singer) who was using their position on the Credit Derivatives Determination Committee, or CDDC, to help decide when their sovereign credit default swaps against Argentina would pay out.
Wait, Eliot Management doesn’t sound big enough. Who else is on this committee?
Oh wait, so Citadel is ALSO on this committee? Alongside our favorite fucksticks like Chase, Goldman, Deutsche, and BNP?

It’s not lost on me with seeing now that Credit Suisse has been sucked up into UBS, maybe its position on the CDDC has been absorbed further by UBS. Back then, I wrote about the fact is we know next to nothing about the sovereign credit default swaps that might be opened up against countries (be it Russia, Sri Lanka, or otherwise):
Here's one such example of a swap dealer: Swiss financial terrorist aficionados UBS AG, who registered to be a swaps dealer with the US at the end of 2012. (UBS had also been a member of the CDDC through the Greek crisis in early 2012, alongside Citadel. In Mar. 2012, they were also one of the members pressing to ask whether Greece had defaulted already.)
UBS AG registered as a swap dealer in the US at the end of 2012 enabling the continuation of swaps business with US persons. Regulations issued by the Commodity Futures Trading Commission (CFTC) impose substantial new requirements on registered swap dealers for clearing, trade execution, transaction reporting, recordkeeping, risk management and business conduct.
If UBS AG decides to make a market on sovereign credit default swaps like Russia, then we might also have no idea who is on the other side of the trade. This also goes for many of the other swap dealers who (surprise surprise) also sit on the CDDC board and can determine just when these sovereign credit default swaps pay out.

Not only that, but the CDDC even can say when CORPORATE BONDS even shit the bed: late last year, they were the ones who were deciding to let everyone know whether Sunac (an Evergrande-relate company) went tits up.

12. We Say When

For months, there has been talk of a looming debt crisis (alongside all the other ones) in the sovereign debt world.
And shit continues to hit the proverbial fan. Apart from Russia, Sri Lanka and others, emerging markets like Ghana and Zambia are beginning to feel the hits from their sovereign debt (oftentimes, trying to restructure it with creditors like China).

Even further, now that Credit Suisse has gone under. We may have another thing to worry about: what banks and prime brokers are housing these opaque sovereign debt structures, loans, and swaps? Even worse, what happens when they go under? Roll that less than beautiful bean footage:

“Before collapse, Credit Suisse quietly conquered an obscure debt market
Before its rescue by Swiss rival UBS, Credit Suisse had quietly become a major player in an obscure market that purports to help developing countries ease their debt burdens in exchange for protecting nature. Known as debt-for-nature swaps, the complex financial instruments help governments restructure their debt to raise money that can be used to fund conservation efforts.

Credit Suisse was the sole structurer and arranger of the world’s largest debt-for-nature swap, a $364 million deal that it orchestrated in 2021 along with The Nature Conservancy, a charity, for Belize. Last year, it sealed another $150 million deal for Barbados. Credit Suisse has in recent years helped revive interest in the instruments and for the first time opened them up to institutional capital. The bank raised money for Belize and Barbados from pension funds including Sweden’s Alecta and Nuveen LLC, a unit of the US’s TIAA, by issuing so-called blue bonds tied to the deals.
he convoluted setup has drawn criticism from sovereign debt experts for its high cost and lack of transparency. And the opaque terms of the Belize and Barbados deals — the first of their kind — mean outside analysts will struggle to assess precisely what comes next.

A lot of poorer, especially emerging market countries were already in dire straits. Now as opaque deals meant to help these countries might not come to light (are these some of the Level 3 assets that UBS was talking about?), we can ask ourselves wtf will happen when the same banks looking to save their own ass while holding these sovereign, are the same fuckers that sit on the same board that can decide when they are worthless (while I’m sure being positioned net short).

All in all, these banks and holders of sovereign debt credit default swaps, who decide when a country goes boom, are sitting arm in arm alongside Citadel, who themselves potentially hover their greasy mayo-covered finger over the button that decides just when and how the US stock market will eventually implode.

13. Everything Everywhere All at Once

To recap, we then have Citadel with (1) the biggest market maker and arguably one of the most influential hedge fund able to decide which stocks rise and which fall as the US stock market teeters on the brink of collapse…
…with having (2) three of its ex-employees in charge of (not even counting other Citadel employees working there) operating at Headlands ready to help position themselves when the municipal bond market gets nuked, whether as a continued result of regional bank failure or in spite of it…
…while (3) sitting on the board that determines when ENTIRE COUNTRIES FAIL, in such a way that their hedge fund and associated pals can be ready to short and profit off failing nations that they and their fuckstick friends help cause.
Did I miss anything? Because remember, Citadel is not just Citadel, the market-maker that we all love to hate; Citadel’s sphere of influence via the Big 3 means the grip that it holds over the US and world economy is even greater than we think…and as such, far far more dangerous.
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2023.03.21 21:21 OutdoorRink Love science!

Love science! submitted by OutdoorRink to JoeRogan [link] [comments]

2023.03.21 21:21 Johanna-Draconis Ep100 - Let me reintroduce myself - The Deconstruction Of C-PTSD - Johanna Draconis

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Intro [0:00]

Hello my dears! My name is Johanna, and I welcome you to the Johanna Draconis - The Deconstruction Of C-PTSD podcast.
In this episode we do things a little bit different. With this being the 100th episode, I thought it would be a good time to redo the introduction, as quite a bit has changed since then.
We will go chronically from my earliest years to the most recent perspective. I will summarize a lot to keep the size manageable and try to avoid being graphic or anything the like. This should help not to overwhelm people.
I have more information in episode 1 and there will be more on the website or in doubt just ask me. That being said - lets get started.

Early years [0:47]

We start… with me being a baby. Even that early the abuse started, not that I have any memories of that, but there are family videos with strong indication of what is happening off screen, but not off sound. The body remembers and it causes a unique trauma.
I suffered through every version of trauma at least once, except being penetrated - before I even entered primary school around age 6. This also includes the torture. I also lived in constant fear of dying through the whole time. Non stop. 24/7.
I had a main abuser, no not my parents, but also a wide array of lesser abusers in my family. I was able to identify some now on the narcissism spectrum - which is rather hard given the subject matter.
So one can say I have an extensive knowledge about trauma - to put it mildly. Despite being the perfect little girl they told me to be, so the bad things wouldn’t happen. And did I try to be that good girl. But it was set out to fail from the start.

It gets worse [2:12]

And it only gotten worse from there - as in starting around age 6. Besides the daily beating - the other behaviors became more and more escalating. All while the daily beating just got worse and will end up causing nerve damage in my arms.
Which was a trade in for my brain, that I desperately tried to protect and succeeded to do so. But as bad as the beating were, they were on a schedule. The surprise attacks during the day were worse and more dangerous.
While in the evening it was just to let out all the anger - during the day he exploded and had no limits how far things could go. This was when he went the farthest and was the most unhinged. Where he liked to experiment. Where my suffering was the focus.
Around age 12 it started getting more towards psychological torment. Despite that, one of the consequences was that my body started to deteriorate slowly, but steadily. Something I still feel the consequences of to this day… and likely will stronger in the future.
At age 16+ it came to a showdown which ended with the whole ordeal ending… the physical side mostly at least. But my mental state nonetheless kept getting worse - slowly, but inevitably.

Breakout and the time after [3:48]

Until it completely broke out during my psychology study. It is truly never a good sign to see your symptoms on the screen during class… I remember just thinking “Fuck me”. I also knew I had to move fast and get help ASAP.
Despite my attempts to get help as soon as possible - no one accepted me. I was an old case. Hopeless. The chances of treatment were low and no spots available or none at least for an old case.
I ended shortly in a spot with an unfinished psychology student, but had to give that up, when my state worsened and I had to move back with my mother. There I got no help. Which meant I was doomed to die.
It gotten worse and worse. I was in a state of intense pain, it felt like my body was torn apart, but slowly and without me dying. I slept… when I could… in short patches. Hours of sleep became more and more a rarity.
Even if I slept I had horrific nightmares and kept waking up. I couldn’t eat. When I was able to eat I just stuffed my face to not starve. I couldn’t focus - I could barely do anything at all. This was PTSD in end stage for me. Agony - without any chance of distraction.

The End of the line [5:24]

Which lead inevitably to the end of the line for me. My body told me, that I was a few months at best away from dying. Whatever I was doing needed to change. That was the point, where I decided I couldn’t make things worse - as if I am an optimist.
But there was literally no other choice besides lying down to die and that was never my way. So - not an option. I had no hope of healing, I just tried to apply my knowledge to reduce my suffering and make my remaining time less painful.
I was actually shocked how easy and successful I was - despite it taking weeks to do so. I had no help, the support of my surrounding could be boiled down to “Are you healed yet?”, despite knowing C-PTSD was incurable. At least to our knowledge back then.
Suffering less and getting more time sounded like a pretty good deal to me, so I tried again. And kept going and going and going… until after years I had bitten enough down and had conquered my first C-PTSD. I was healed, but not cured.
Which meant now I had the choice, do I return back to normal life or continue what I started? And… after that absolute agonizing experience I decided I want to NEVER EVER deal with this nightmare again.
So I went underground to deal with it once and for all. In the end with great success. Better than anything I had dared to dream for.

Survivors guilt and this podcast [7:17]

Now that I was fully cured I tried to get to the club meeting of C-PTSD cured people, and as I had taken so long with all those wrong paths I had chosen and with no help - I lost track of many of my fellow sufferer on the way. I thought I was dead last.
The club house was empty. And it dawned on me what happened to those I lost track along the way. I knew the state of others. That was the moment I developed survivor’s guilt and got my PTSD symptoms back. Which slowly started to escalate again.
I will stick to my comparison of a burning building. You get out, completely blinded still by the smoke that made seeing inside almost impossible. Only to discover you are the only one who made it out of the building - while you can still hear the screams.
Or sometimes only the body that is left from their attempt. What do you do in such a situation? Going back in isn’t going to do any good. So you try to shout instructions. Which is how the idea of this podcast was born.
The plan was to give the instructions on how I left the building and help so others to leave the building.

Changing the theme and therapy [8:48]

While preparing and doing the podcast I began to cure myself from more and more C-PTSD s and PTSD s, that I had to change my position on either you have it or you don’t - and started making a list. I also kept learning about PTSD and everything around it.
During the podcast I realized, that I hadn’t gotten any help not only because I was an autist and it was harder, but also because how horribly bad the situation was for everyone. How lacking resources and information and available treatment was.
Which made me change my podcast to cover more and me starting to offer therapy. But then - once again - tragedy hit at the second half of last year and I was confronted with a horrendous situation that would last for months and cause a cluster trauma.
This lead me to cancel and stall my plans. But the worst was that at the end of the last year - I had to deal with 3 cluster traumas at the same time. That was a lot - even for me. While my success wasn’t in question - that did block and slow down me quite a bit.
Which lead to a noticeable chaos and change in podcast - which I am sorry for, but it was outside of my control. The aftermath of it sadly still causes for stumbling in my everyday now and then. Nothing serious, but enough to cause trouble occasionally.

The silver lining [10:46]

I want to end this episode on a silver lining after all this rather dark content. I gained intense and deep knowledge of trauma and how it is structured and works. This knowledge I believe can be used to help so many people who have little hope right now.
My trouble with putting that knowledge into words that people understand is sadly the biggest slowdown and something I can’t just change, because the reason is my autism. Which also makes it possible for me to visualize PTSD.
And this helped me to be able to say, that I can cure a base C-PTSD within a few months. It of course depends on how strong the patient is going and if life doesn’t sabotage. Which it realistically does most of the time. That is just how it is.
This is what makes me hopeful - that my experiences will help eradicate or at least constrain this illness as much as possible. And rid humanity of this bane as much as possible.

Outro [11:56]

That was it for todays episode, I hope you found it insightful. Hope you are safe and well. And as always, if you have any questions or feedback and the like, please let me know at [[email protected]](mailto:[email protected]).
More information and transcript you can find as usually under, information regarding therapy you can find under and links are in the description.
I hope to see you next time. Watch yourselves and have a wonderful time.
submitted by Johanna-Draconis to DraconisCPTSDarchive [link] [comments]

2023.03.21 21:20 AutoNewspaperAdmin [Politics] - This blue city wants to ban new gas and auto service stations over climate change FOX

[Politics] - This blue city wants to ban new gas and auto service stations over climate change FOX submitted by AutoNewspaperAdmin to AutoNewspaper [link] [comments]

2023.03.21 21:18 cutebine AITA for shutting down from embarrassment?

Yesterday chatting with my sister while I pumped gas and she waited, she said in a half laughing, embarrassed tone "dude, you're practically yelling. The whole gas station can hear you!"
I'm hard of hearing, and sometimes speak too loudly. Which I know, but the way she said it and her expression made me feel so embarrassed, like I had done something wrong to be ashamed of. Reasonably I know that's not true, but I can't help how I felt.
I didn't think she did anything wrong, but I kind of shut down after that. I was embarrassed and didn't want to resume talking just to be as loud as I had been (as I can progressively get louder again). When I got back in the car, my sister told me that it really bothers her that she tells me when I am being too loud and I appreciate it 50% of the time, but otherwise it upsets me and I'll just stop talking. I told her that I wasn't upset at her, just embarrassed, which was why I stopped talking. I also mentioned that while I do always appreciate her checking me, she is sometimes discreet and kind about it, and sometimes more chagrined and chastising. I don't judge her or hold it against her at all that she sometimes isn't the kindest or most discreet, she has valid feelings too and everyone shows their emotions sometimes. That doesn't mean it doesn't hurt.
She told me that she felt I was giving her the cold shoulder, punishing her for trying to help me out. Once again, I explained that I was just embarrassed. She angrily said "fine, just stay mad and be silent then."
NOW I WAS upset after explaining to her and her taking it as an offensive dig at her. Said she doesn't feel like she can ever tell me how she feels because get defensive and victimize. But I didn't feel like I made myself into a defensive victim, I was just explaining as I didn't feel I had anything to defend myself against. She had a right to feel that I was giving her the cold shoulder and punishing her, but I'd have appreciate if she could have taken my word for it when I told her that how I was acting was not aimed toward her or a punishment.
Eventually, I just apologized for making her feel like she couldn't share her feelings with me and for upsetting her. We haven't spoken since.
Tho I don't feel I did anything wrong, and I AM sorry that my reaction caused her to feel shitty. But I also feel owed an apology. At no point was I insulting toward her. She was IMO toward me when she didn't accept my explanation and instead gave me attitude, telling me to just stay mad. I already know it's going to be awkward and uncomfortable when she wakes up. AITA who needs to apologize again, or is it reasonable for me to be upset still?
submitted by cutebine to AmItheAsshole [link] [comments]

2023.03.21 21:15 Usernameistaken40001 Got yelled at in a 7/11

So i work cleaning pools in the florida heat. Whenever i finish my last shift of the week i fill up gas in my truck and grab a slurpee at a 7/11 gas station near my house. Today i was feeling particularly sweaty and gross and all i wanted was my weekly slurpee. When i walked in there were a few people working on some renovations from the looks of it. There was a big hole in the roof and big air conditioning unit or something sort of in front of the slurpee machine. However the slurpee machine was on and working. I had just seen someone else get a soda from the machine right next to it so i thought it was fine but after i got a cup and went to fill it up some lady behind the counter started yelling at me that i wasnt allowed over there and yelling about “what the fuck is wrong with people” and then one of the guys working was like “yeah come on man” and so i just left without anything and i guess ill never get another slurpee or gas there again im so embarrassed 💀
submitted by Usernameistaken40001 to Embarrassing_Moments [link] [comments]

2023.03.21 21:13 geo_jam Vintage ad for Rockridge: "No negroes, no Chinese, no Japanese can build or lease. in Rock Ridge Park. There'll be no stores, no saloons, no business of any kind in Rock Ridge Park. Absolutely nothing inferior can now or at any time be built in Rock Ridge Park."

Vintage ad for Rockridge: submitted by geo_jam to oakland [link] [comments]

2023.03.21 21:13 foolock Nmom has to turn other people's issues into everyone elses

I'm going to have to wake up at 5:30am to go to school to arrive more than 1 hour early to school at (8:30) Because in her own words "I(her) have to much pride"
She doesn't want me to take the morning drive with her boyfriend to the train station on the way. because he likes tells people we (out family) dependends on him.
(We litterally do)
Of course when I say that I don't care what he says to other people and don't see why I should struggle for others people ego issues, she calls me a lazy and a manipulative person and that I should me to basically "man up" because in our family we aren't quiters...etc.
This is especially annoying because Im already struggling right now by waking up 6:30 because I naturally sleep late and and on average I sleep around 4 hours. (+ My studies require a lot of focused, so being tired all the time really messes up my productivity and accuracy)
submitted by foolock to raisedbynarcissists [link] [comments]

2023.03.21 21:13 foolock Nmom has to turn other people's issues into everyone elses

I'm going to have to wake up at 5:30am to go to school to arrive more than 1 hour early to school at (8:30) Because in her own words "I(her) have to much pride"
She doesn't want me to take the morning drive with her boyfriend to the train station on the way. because he likes tells people we (out family) dependends on him.
(We litterally do)
Of course when I say that I don't care what he says to other people and don't see why I should struggle for others people ego issues, she calls me lazy and a manipulative person, that I should basically "man up" because in our blood we aren't quiters...etc.
This is especially annoying because Im already struggling right now by waking up 6:30 because I naturally sleep late and and on average I sleep around 4 hours. (+ My studies require a lot of focused, so being tired all the time really messes up my productivity and accuracy)
submitted by foolock to raisedbynarcissists [link] [comments]

2023.03.21 21:12 geo_jam Vintage Rockridge Oakland Neighborhood promotion ad "No negroes, no Chinese, no Japanese can build or lease in Rock Ridge Park."

Vintage Rockridge Oakland Neighborhood promotion ad submitted by geo_jam to bayarea [link] [comments]

2023.03.21 21:10 AutoNewsAdmin [Politics] - This blue city wants to ban new gas and auto service stations over climate change

[Politics] - This blue city wants to ban new gas and auto service stations over climate change submitted by AutoNewsAdmin to FOXauto [link] [comments]

2023.03.21 21:06 shaggaaa VIP status disappeared and costs energy to get to the gas station.

Does anyone know why this has happened? How do you get VIP status back?
submitted by shaggaaa to lastdayonearth [link] [comments]

2023.03.21 21:04 ComeWriteWithMe There is an evening class happening at my London University, but it's unscheduled and no administrator I've spoken to seems to know anything about it...

I attend a University in London, England. Without doxxing myself, it's both renowned and very established, dating back hundreds of years. Even during the day, when I take a wrong corner and end up in a silent corridor or the such, I spook myself out.
One evening, about a month ago, I found myself pulling an all nighter to get an assignment finished. You know how it is, gotta burn the midnight oil. I found myself with serious cramp in my back at about midnight so decided to call it a day and head back to dorms. The space I was working in was the older section of the University and it was mostly empty by 7pm, save for a few janitors here and there some nights. That night, I had been completely alone and uninterrupted while I worked.
On my way to the stairs I heard deep voices which I assumed to be coming from outside. The old windows were single glazed and let in both noise and a nasty draft when the weather turned cold. Baring it no mind, I continued my way to the stairs, but noticed the bass in the voices get louder as I made way. It was only after the last turn, when I could see the stairwell in sight that I realised those voices weren't coming from outside, nor of some otherworldly origin, but from a class that seemed to still be in session! Honestly, it was a relief to find out I wasn't there alone and sense of comfort returned to my worried steps.
Curiosity got the better of me when I wondered what sort of class could be happening at this late hour, so as I swiftly made my way to the stairs I turned my head to take a quick peek through the open door. It was literally only a second, and I kept moving, but I swear whatever comfort knowing there was others up there with me was taken away when I tried to understand what I saw happening in that room.
The room was dark, except for a glow that was emanating from a part I couldn't see for the door. At the end of room I made out the a young girl, her eyes completely glassy and white, dancing- no, moving erratically in such an unnatural way, and with such force and tempo that I was filled with a dread or guilt that I had seen something in that instance that I was not meant to have seen, something that should have not even been possible. So weird that my mind didn't even think to double back and confirm what I saw- or perhaps, not wanting to.
By the time I reached the bottom of the stairwell I had convinced my better sanity that it was in fact something innocuous. I would like to tell you that I didn't think on the matter for the rest of the night but the image of the girl contorted in such a unnatural position, her eyes rolled into the back of her skull as she flung her body with such abandon flashed in my thoughts during the ride home, at dinner with my roomate, and took stay in my feverish nightmare that evening.
The next morning I inquired our online University scheduling system to see which class, club or tutor had booked the space. Nothing. I approached the front desk at campus and spoke to the receptionist with whom I had a good rapport, and asked her if that space was used last night. Annoyingly, she consulted the same scheduling system I had and confirmed what I already knew but added that sometimes students will use rooms adhoc when their regular classroom had been taken.
I thanked her for the theory and then truly let it leave my mind so I could begin my day's work on my thesis, enough time had been spent on spooking myself out on curiosities I had no right in having, not with the a thesis deadlines looming over my head. I had no other sightings of the mysterious class for the next couple of weeks though admittedly avoid that wing of the campus. But just yesterday I saw her. The girl that performed that movement. Except there in the daylight and surrounded by students and lecturers she looked normal, like any young student sitting amongst her friends; talking, laughing and enjoying each other's company
I confronted her there and then. I know it's not polite, especially here in Britain where social norms between strangers err on the side of muting anything more dramatic then a friendly smile, but I felt a compulsion to know.
I interrupted her mid conversation and asked whether she studied dance. she looked confused, as did her friends, and answered negatively. I then told her that I saw her the other day in the east wing, at midnight, where she was practising dance. I kept emphasising the word dance when I spoke, not knowing what to call what I had seen, but hoping it would make her betray something on her face. Nothing, she declined again. I swear I saw no tell on her face that indicated to me that she was lying. I was almost convinced she was telling me the truth and that she knew nothing about it, except for the swarthy fellow who she was seated next to. He was staring death at me. I could see something in his eyes- that he knew exactly what I meant and I bet everyone on that table knew as well.
Unable to stand that fellows deathly glare for much longer I excused myself and told her I must be confused. As I made my way out of the canteen I looked back, and sure enough the entire table was looking at me- which admittedly, I don't blame them for. I must have seemed like a rambling mad man, but I had a feeling I stumbled onto something I shouldn't have.
There is actually another part of this story that I haven't told you yet, and that I wish to tell you- but truth be told, since that encounter and the following one which I have yet to elucidate, my nerves have been shot. Even recounting this much of the story has effected my disposition negatively and filled me with dread. I am to see my doctor tomorrow to prescribe me some salts to help with my fraught mind, but until then wish me a better health. I'll endeavour to finish the recounting of these events then.
submitted by ComeWriteWithMe to nosleep [link] [comments]

2023.03.21 21:04 sunshineroundabouts I make £103K and I spent £370 on a long weekend trip to Northern France

I don’t see many travel diaries for Europe or the UK so thought it would be nice to do an example of a long weekend!
For reference I live with my partner and share some housing / bills with him but keep all other money separately, however I went on holiday with one of my friends.

Section 1: Bio

Age - 34
Occupation - Tech Manager
Hometown - East Sussex
Number of PTO days and how you accrue them - in the UK most people get at least 25 days annual leave plus public holidays. In addition to this I get the option to buy holiday as part of my benefits - I do this every year, usually between 6 and 10 days, so this year I have 31 days.

Section 2: Assets and debt

Savings balance: We bought a house early last year with my partner, that wiped out most savings! I’ve probably got £10,000 now across stocks and shares ISAs and standard savings pots.
Checking balance: About £1500
Debt: Other than a giant mortgage, no other debt.

Section 3: Income

Salary after deductions: Around ~£5K per month - that’s after tax, NI, pension, life / critical illness insurance, health insurance, holiday purchase deductions
My pals overall situation: I don’t know her specifics but she works in PR and makes somewhere in the area of £60-70K per year.

Section 4: Travel expenses

I have kept all costs as combined through the diary and then have done the split at the end.
We wanted to do a long weekend Europe trip but wanted it to be pretty relaxed and I didn’t feel like taking a flight so we eventually decided on doing the Eurotunnel.
For reference, the Eurotunnel is where you drive your own car onto a train and then the train goes through the channel tunnel from the UK to France. We then thought we would do a bit of northern France and do a bit of exploring! I've done other areas of France previously but never further North than Paris.
Pre trip:
Eurotunnel and insurance - £213 - we booked this beforehand, this is return for one car with two people in it. It was a fixed time train each way, and includes car insurance for when we were in France for three days.
I also spent £40 on a “prepare your car for Europe” kit which included what you must have in your car to legally drive in France (high viz jacket, first aid kit, breathalysers, light deflectors etc) - I haven’t included this in the trip expense totals because we will reuse it many times for trips, and to be honest seems like a handy thing to have in the car anyway!
Air bnb - £155 - we booked the accommodation beforehand, we booked two nights in Lille in a studio apartment with one double bed and one sofa bed. I always like to get an AirBnb as it gives more flexibility to stay in, have your own kitchen and have a bit more space!
I didn’t book separate travel insurance - I get full year cover as part of one of my bank accounts.
Accommodation total: £155
Transport total: £213
Pre trip total: £368
Day 1
9.30 - I pick up my pal from a nearby train station then drive down to Folkestone where the Tunnel is. I am very excited to take my car on a train!! We stop off for fuel at the services nearby so that I won’t need to figure out France petrol stations - it only needs half a tank to fill, we also pick up snacks for the drive £40 for fuel and £5 for snacks.
11.30 - our train is at 12.20 but we arrive about an hour before. Check-in is super easy and we get a little sign to hang from the mirror to show what our train number is. We park up at the terminal and wait for the signs to show to proceed. We grab a drink from the terminal whilst we wait £4.
12.30 - whizz through both passport controls and then drive on the train! So weird to be sat in a car which isn’t moving on a train which is speeding along. The train takes 35 minutes and then you can just drive straight off onto the motorway. We lose an hour with the time difference so arrive at 2pm.
2 - we have no plans as we've both been so busy with work and decided to just see how we get on! But the signs on the motorway says Dunkirk and that’s a place I’ve never been so we head there which is about a 35 minute drive. Park the car £1.
3 - wander around Dunkirk looking at the war memorials and the pretty harbour. Buy some cheese baguettes to keep us going - £5.
5 - back in the car to drive to Lille where the AirBnb is which is about an hour away. We stop off at Lidl to buy some provisions (bread and cheese ofc), snacks, Prosecco, champagne, and tonic for the bottle of gin I brought with me from home - comes to £45 but £15 was the bargain champagne!
5.30 - check into the Airbnb. Promptly drop my bottle of champagne on the floor and it smashes everywhere. £15 well spent… spend ages cleaning it up. Have a glass of Prosecco to commiserate.
7 - decide we need to go out for a drink to make up for the champagne. Head out to a nearby French restaurant - food is delish, service isn’t excellent but overall a lovely evening catching up - £65.
9 - head back, more Prosecco, put the sofa bed up and then off to sleep eventually around 11.
Day 1 total: £165
Day 2
9 - time to explore Lille! We get our walking shoes on and start to explore the city - lots of walking down little streets. We do the classic of wandering from cafe to patisserie with a snack here, a drink there, comes to about £15 for the three breaks. The city of Lille is beautiful - it didn't get as destroyed in the war compared to Dunkirk so full of French architecture and big grand squares.
11 - walk a bit out of town to the Citadel and do a big walk around the park outside. You can't go in the citadel but its still a very nice spot to walk around.
1 - time for proper lunch!! We fancy crepes and thankfully we are in France! Find a great crepe restaurant and have a sweet and a savoury - ham and goats cheese which is so good. Plus a couple of glasses of wine - £27
2 - there are so many chocolate shops due to how close we are to Belgium. Pop into one and buy some chocolate as a gift for my partner - £7
3 - feet are getting tired by this point so make the 25 minute hike home - almost 20,000 steps today! We are exhausted. Collapse in the Airbnb for introvert time of tv, phones and ignoring each other.
4 - I for some reason start to feel a bit off and have a bad stomach (too much cheese and wine?! Surely not). Make the decision to stay in for the evening.
7 - have a little bit of gin which I brought with me and watch a movie on Amazon Prime. End up getting Uber eats of some pizza - £25. I used to feel guilty when we stayed in when I was on hols but now I know that I need to not be exhausted when I get back so a night in is okay! We did so much exploring that we did make the most of seeing Lille. Plus I know it's so close now, I can pop back!
10 - water, reading, bed!
Day 2 total: £74
Day 3
8 - feel much better this morning - so thankful! Nothing like being ill when you know you need to travel, I was worried it would not be a good driving day today. Glad I got lots of sleep!
10 - clean up the Airbnb and pop to the patisserie for croissants - £2, before hitting the road and driving back to Calais to do some exploring. It's raining a bit but clears up when we hit Calais - win!
11.30 - it’s about an hour and ten back to Calais. Driving hasn’t been too bad considering it’s the wrong side of the road for me and the wrong side of the car! I was a bit worried about it but as long as I just tell myself continually to drive on the right then it seems to be okay! I want to go to the lace and fashion museum as it sounds interesting. We park - £1 - and then walk over. It’s £8 for both of us to get in because it only has one exhibit on - bargain! Very much enjoyed it, never realised so much went into lace or that there were so many different types!
1 - time for our final lunch! Head to a probably too touristy restaurant and the food wasn’t great. Clearly means time to go home! £27
2 - head back to the Eurotunnel and stop in the terminal once we are checked in. Pop into duty free and buy 2 bottles of rum as they are a bargain, plus some macarons as a gift - £33. Stop for a drink in Starbucks - £8.
3.30 - another speedy trip through the tunnel! Save an hour on the way back too. Head back and drive home. Used about three quarters of a tank of fuel so quite pleased with that. So nice to have a lovely break, see somewhere new but also return back not feeling utterly exhausted!
Day 3 total: £79

Section 5: Overall

Total cost for both of us: £686
Total cost for what I paid: £370 (half most costs, plus full cost of rum, smashed champagne and gifts)
How I afforded the trip: I’ve only recently started earning more so I’m still a very naturally frugal traveller! Plus most of what I enjoy when travelling is just wandering about and eating the delicious food.
I split the cost so did all the pre trip costs earlier in the year so it doesn’t feel like all at once. I then usually put my “spending money” onto my Monzo which I don’t use for anything else - makes it really easy to track how much I’m spending and keep an eye on it. This was probably lower that I expected for the trip because we didn't go out for dinner on the second night which definitely saved some money!
submitted by sunshineroundabouts to MoneyDiariesACTIVE [link] [comments]

2023.03.21 21:03 bitterKindle Just spent 6 hours trying to drop off one (1) cubic yard of bricks

Title says it all, really. I try to avoid whining on the internet as a general rule, but it's been a really long day and at this point I'm out of fucks. (And options.) I have a small pile of broken bricks sitting in the back of my truck.
I checked the Fairfax website, and figured I could drop them off at the I-66 Transfer Station for about $35. 6 hours and a lot of driving later, and I have tried: I-66: wouldn't accept "more than a wheel-barrow load" (no matter what the website says) WM Manassas: ~$160 per ton with a 3-ton minimum = $500 TerraBlu: minimum $165, seemed confused when a pickup pulled up (even after I called them) Barret's Trucking: doesn't take bricks (no matter what TerraBlu says) Merrifield Transfer Station: WILL take bricks, but no hand-loading I-66 again, after double-checking the website and talking to the supervisor: wouldn't accept any size pile of bricks, apparently, because the aluminum disposal trucks they use are damaged by the piles. Which is cool, except the website AND the guide posted on the station window both claim to accept piles of bricks + concrete.
So now my options are: call a junk hauler and fork over ~$120, dump the bricks illegally(??), slowly feed them into my residential waste, or add Yet More Clay to the garden.
Anyone in the Reston area want a small pile of old bricks, by chance? Or know of a facility that will take bricks? Or know of a useful way to process broken bricks? I really want to be responsible with them, but I'm not willing to invest another 20 hours into a Pinteresty "upcycling" project. Thanks for reading. I'm just really tired now.
submitted by bitterKindle to nova [link] [comments]