I'm so lost. My job just sent us enrollment for our 401k and I have no idea what to choose. Can someone help me decide what is best and how much to allocate?
Thank you!

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Licensing Hours Extensions Bill – report stage and 3rd reading Applies to: England and Wales Makes it easier for pubs and bars to extend their opening hours during national events like the World Cup by allowing the government to grant a temporary easing of restrictions. Usually this would be done by Parliament but can't happen if Parliament is in recess. Private members' bill presented by Emma Lewell-Buck. Draft bill (PDF)
Pensions (Special Rules for End of Life) Bill – report stage and 3rd reading Applies to: England, Wales, Scotland, Northern Ireland The Pension Protection Fund and The Financial Assistance Scheme are two bodies that provide financial help to members who lose some or all of their defined benefit pension, incuding people who are terminally ill. This bill extends the definition of terminally ill to people with a life expectency of 12 months, up from six months. Private members' bill presented by Laurence Robertson. Draft bill (PDF) / Commons Library briefing
Special Envoy for International Freedom of Religion or Belief Bill – report stage and 3rd reading Applies to: England, Wales, Scotland, Northern Ireland Requires the government to appoint a Special Envoy for International Freedom of Religion or Belief. Private members' bill presented by Fiona Bruce. Draft bill (PDF)
Dogs (Protection of Livestock) (Amendment) Bill – report stage and 3rd reading Applies to: England, Wales Requires dog owners to pay full compensation to farmers if livestock are killed in dog attacks. Currently a convicted dog owner can only be fined £1,000. Also requires police to record dog attacks on livestock, and allows them to obtain DNA from suspect dogs. Private members' bill presented by Therese Coffey. Draft bill (PDF) / Commons Library briefing
Secure 16 to 19 Academies Bill – report stage and 3rd reading Applies to: England, Wales Enables local authorities to run secure 16 to 19 Academies – institutions principally concerned with the education of young people above compulsory school age and below 19 – and prevents them from being run for profit. Private members' bill presented by Caroline Johnson. Draft bill (PDF)
School Attendance (Duties of Local Authorities and Proprietors of Schools) Bill – report stage and 3rd reading Applies to: England, Wales Requires schools and local authorities to follow best practice guidelines to support families and help get persistently absent children back into the classroom. Private members' bill presented by Vicky Ford. Draft bill (PDF)
Space Industry (Indemnities) Bill – report stage and 3rd reading Applies to: England, Wales, Scotland, Northern Ireland Requires spaceflight licences to include details of the holder's indemnity limit – the maximum amount their insurer will pay out on a claim. Private members' bill presented by Jonathan Lord. Draft bill (PDF)
Animal Welfare (Import of Dogs, Cats and Ferrets) Bill – 2nd reading Regulates the import of dogs, cats, and ferrets, aiming to ensure their health and safety during transportation and deter illegal trade practices. Private members' bill presented by Selaine Saxby. Bill not yet published
Benefit Sanctions (Warnings) Bill – 2nd reading Requires benefit claimants to be given warnings before they are sanctioned. Private members' bill presented by Chris Stephens. Bill not yet published
Arm’s-Length Bodies (Accountability to Parliament) Bill – 2nd reading Makes arm’s-length bodies (ALBs) directly accountable to Parliament. ALBs include executive agencies like the Met Office, non-departmental public bodies like the Environment Agency, and non-ministerial departments like HMRC. Private members' bill presented by Christopher Chope. Bill not yet published
Anonymity of Suspects Bill – 2nd reading Creates an offence of disclosing the identity of a person who is the subject of an investigation. Private members' bill presented by Christopher Chope. Bill not yet published
Government of Wales (Referendum on Devolution) Bill – 2nd reading Applies to: Wales Legislates for a referendum on devolution in Wales. Provides that another such referendum can't happend for another 25 years. Private members' bill presented by Rob Roberts. Draft bill (PDF)
Immigration and Nationality Fees (Exemption for NHS Clinical Staff) Bill – 2nd reading Applies to: England, Wales, Scotland, Northern Ireland Exempts NHS clinical staff from paying fees related to immigration, such as applying for indefinite leave to remain. Private members' bill presented by Rob Roberts. Draft bill (PDF)
Welfare Benefits (Adequacy, Debt and Deductions) Bill – 2nd reading Requires the government to report to Parliament on the potential benefits of banning deductions on certain benefits in the first six months, restricting deductions where a claimant is at risk of hardship, reducing the maximum amount of a claim that can be deducted, and changing the priority order in which debt repayments are recovered by deductions. Private members’ bill presented by David Linden. Bill not yet published
Public Sector Websites (Data Charges) Bill – 2nd reading Requires providers of electronic communications networks to allow customers to access certain public sector websites for free. Private members' bill presented by Simon Lightwood. Bill not yet published
Pets (Microchips) Bill – 2nd reading Requires local authorities to scan a deceased cat's microchip and try to return it to its owner before disposing of it. Requires vets to confirm the person presenting a healthy animal to be euthanised is its registered owner. They must also check the microchip for details of previous owners and offer the animal to them before proceeding. Also known as Gizmo's law and Tuk's law. Private members' bill presented by James Daly. Bill not yet published
Climate and Nature Bill – 2nd reading Requires the UK to achieve climate and nature targets. The government must implement a strategy with help from a new Climate and Nature Assembly. Private members' bill presented by Alex Sobel. Bill not yet published
Disposal of Waste (Advertising and Penalty Provision) Bill – 2nd reading Requires social media and other advertising platforms to ensure waste collection companies posting adverts are registered with the Environment Agency. Requires councils to fine or prosecute anyone who fly tips or uses a rogue trader who fly tips. Private members' bill presented by Paul Bristow. Bill not yet published
Conservation and Sustainable Use of Marine Biological Diversity (Ratification of Treaty) Bill – 2nd reading Concerns the UK’s ratification of the Conservation and Sustainable Use of Marine Biological Diversity of Areas beyond National Jurisdiction under the UN Convention on the Law of the Sea. Private members’ bill presented by Kevin Foster. More information not currently available. Bill not yet published
State Pension Age (Compensation) Bill – 2nd reading Requires the government to publish proposals for a compensation scheme for 'WASPI women' – those born between 6 April 1950 and 5 April 1960 who have been affected by increases in the state pension age. Private members' bill presented by Alan Brown. Bill not yet published
Arms Trade (Inquiry and Suspension) Bill – 2nd reading Starts an inquiry into how arms sold to foreign states are used, to determine whether they have been used to break international law. Suspends the sale of arms to foreign states where it can't be shown that those arms won't be used to break international law. Private members' bill presented by Zarah Sultana. Bill not yet published
Off-Road Vehicles (Registration) Bill – 2nd reading Requires off-road vehicles like quadbikes to be registered and have a registration plate. Private members' bill presented by Anne McLaughlin. Bill not yet published
Horticultural Peat (Prohibition of Sale) Bill – 2nd reading Bans the sale of horticultural peat in England by the end of 2024. This would follow through on a long-standing government commitment, because of the environmental impact of peat mining. Private members' bill presented by Theresa Villiers Bill not yet published
Workers (Rights and Definition) Bill – 2nd reading Establishes a legal definition of employment, which includes zero-hours contracts and agency workers. The aim is to prevent abuse of people working under these arrangements. Private members' bill presented by Chris Stephens. Bill not yet published
Health and Safety at Work Bill – 2nd reading Amend the Enterprise and Regulatory Reform Act 2013 to make provision about civil liability for breaches of health and safety duties. More information not yet available. Private members' bill presented by Chris Stephens. Bill not yet published
Asylum Seekers (Accommodation Eviction Procedures) Bill – 2nd reading Allows asylum seekers to challenge a proposed eviction in an independent court or tribunal. Establishes asylum seeker accommodation eviction procedures for public authorities. Private members' bill presented by Chris Stephens. Bill not yet published
Parliamentary and Health Service Ombudsman (Powers) Bill – 2nd reading Allows the Parliamentary and Health Service Ombudsman to identify and investigate systemic problems in the benefits system and make relevant recommendations to the government. Private members' bill presented by Chris Stephens.
Asylum Seekers (Permission to Work) Bill – 2nd reading Applies to: England, Wales, Scotland, Northern Ireland Grants asylum seekers permission to work if they have waited six months for a decision on their asylum application. Private members' bill presented by Carol Monaghan. Draft bill (PDF)
Corporate Homicide Bill – 2nd reading Makes changes to the criminal offence of corporate homicide. More information not yet published. Private members' bill presented by Chris Stephens.
Deductions from Universal Credit (Report) Bill – 2nd reading Requires the government to report to Parliament on the impact of deductions from Universal Credit on the levels of destitution among claimants. Private members' bill presented by Chris Stephens. Bill not yet published
Evictions (Universal Credit) Bill – 2nd reading Requires the government to prevent the evictions of Universal Credit claimants who are behind on rent. Private members' bill presented by Chris Stephens. Bill not yet published
Food Poverty Strategy Bill – 2nd reading Requires the government to publish a strategy for ending the need for food banks by 2030. Private members' bill presented by Chris Stephens. Bill not yet published
Under-Occupancy Penalty (Report) Bill – 2nd reading Requires the government to report on the merits of repealing the so-called "bedroom tax" (a cut in benefits for those living in a council or housing association property deemed to have one or more spare bedrooms). Private members' bill presented by Chris Stephens. Bill not yet published
Devolution (Employment) (Scotland) Bill – 2nd reading Applies to: Scotland Devolves employment matters in Scotland. Private members' bill presented by Chris Stephens. Draft bill (PDF)
Social Security Benefits (Healthy Eating) Bill – 2nd reading Requires the government to publish annual calculations of the benefit and tax credit rates needed for a representative household to afford to buy meals in accordance with the Eatwell Guide to eating healthily. Private members' bill presented by Chris Stephens. Bill not yet published
Universal Credit Sanctions (Zero Hours Contracts) Bill – 2nd reading Applies to: England, Wales, Scotland Prevents a Universal Credit claimant from being sanctioned for refusing work on a zero-hours contract. Private members' bill presented by Chris Stephens. Draft bill
Public Health (Control of Disease) Act 1984 (Amendment) Bill – 2nd reading Amends the Public Health (Control of Disease) Act 1984 to change the law around parliamentary scrutiny of lockdowns. Private members' bill presented by Christopher Chope.
BBC Licence Fee Non-Payment (Decriminalisation for Over-75s) Bill – 2nd reading Decriminalises non-payment of the licence fee by over-75s. Private members' bill presented by Christopher Chope.
Public Sector Exit Payments (Limitation) Bill - 2nd reading Applies to: England, Wales, Scotland, Northern Ireland Caps exit payments made to outgoing employees of public sector organisations. Private members' bill presented by Christopher Chope. Draft bill
Green Belt (Protection) Bill – 2nd reading Applies to: England and Wales Establishes a national register of green belt land in England. Restricts the ability of local authorities to de-designate green belt land. Private members' bill presented by Christopher Chope. Draft bill
Greater London Low Emission Zone Charging (Amendment) Bill – 2nd reading Reverses the expansion of London's ultra-low emission zone (Ulez), the tax on driving more polluting vehicles that was expanded to all London boroughs in August 2023. Private members' bill presented by Gareth Johnson. Bill not yet published
Highways Act 1980 (Amendment) Bill – 2nd reading Limits the legal defences available to highway authorities when they're sued for non-repair of a highway. Private members' bill presented by Christopher Chope. Bill not yet published
Covid-19 Vaccine Damage Payments Bill – 2nd reading Applies to: England, Wales, Scotland, Northern Ireland Requires the government to improve the diagnosis and treatment of people who have suffered ill effects from Covid-19 vaccines. Provides for financial assistance to people who have become disabled after receiving a Covid-19 vaccine, and to the next of kin of people who have died shortly after, among other things. Private members' bill presented by Christopher Chope. Draft bill (PDF)
Statutory Instruments Act 1946 (Amendment) Bill – 2nd reading Allows MPs or Lords to amend most statutory instruments – secondary legislation that is used to make changes to existing laws – before they are approved. Private members' bill presented by Christopher Chope. Bill not yet published
Dangerous Dogs Act 1991 (Amendment) Bill – 2nd reading Extends the offence of having a dog dangerously out of control to cover private property as well as public places. Private members' bill presented by Angela Smith. Draft bill
Exemption from Value Added Tax (Miscellaneous Provisions) Bill – 2nd reading Exempts goods or services from VAT if they are beneficial to the environment, health and safety, education, or for charitable purposes. Private members' bill presented by Christopher Chope. Bill not yet published
Covid-19 Vaccine Diagnosis and Treatment Bill – 2nd reading Requires the government to improve the diagnosis and treatment of people who have suffered ill effects from Covid-19 vaccines. Private members' bill presented by Christopher Chope. Bill not yet published
Caravan Site Licensing (Exemption of Motor Homes) Bill – 2nd reading Exempts motor homes from caravan site licensing requirements. Private members' bill presented by Christopher Chope. Bill not yet published
NHS England (Alternative Treatment) Bill – 2nd reading Applies to: England, Wales Gives patients access to alternative non-NHS England treatment if they've waited for more than one year for hospital treatment. Private members' bill presented by Chris Stephens. Draft bill (PDF)
British Broadcasting Corporation (Privatisation) Bill – 2nd reading Privatises the BBC and distributes shares in the corporation to all licence fee payers. Private members' bill presented by Christopher Chope. Bill not yet published
Children’s Clothing (Value Added Tax) Bill – 2nd reading Expands the definition of children's clothing, including school uniforms, so more of it is VAT exempt. Currently clothes and shoes for "young children" are VAT exempt, but there is no legal definition of that term. Private members' bill presented by Christopher Chope. Bill not yet published
Regulatory Impact Assessments Bill – 2nd reading Requires a Regulatory Impact Assessment (a specific method for analysing policy) to be published for all primary and secondary legislation introduced by the government. Private members' bill presented by Christopher Chope. Bill not yet published
Barnett Formula (Replacement) Bill – 2nd reading Requires the government to report on proposals to replace the Barnett Formula (the formula used to decide how much public money is given to Scotland, Wales and Northern Ireland) with a scheme based on an assessment of relative needs. Private members' bill presented by Christopher Chope. Bill not yet published
Rule of Law (Enforcement by Public Authorities) Bill – 2nd reading Requires public authorities to investigate breaches of the law, and take enforcement action. Private members' bill presented by Christopher Chope. Bill not yet published
Illegal Immigration (Offences) Bill – 2nd reading Creates new offences for people who have entered the UK illegally, or have overstayed their visas. Private members' bill presented by Christopher Chope. Bill not yet published
National Health Service Co-Funding and Co-Payment Bill – 2nd reading Extends co-payment (paying for treatment at the point of service like going to the dentist) to more NHS services in England. Private members' bill presented by Christopher Chope. Bill not yet published
Caravan Sites Bill – 2nd reading Removes the requirement for planning permission when applying for a caravan site licence. Private members' bill presented by Christopher Chope. Bill not yet published
Domestic Energy (Value Added Tax) Bill – 2nd reading Applies to: England, Wales, Scotland, Northern Ireland Removes VAT on domestic electricity and oil and gas. Private members' bill presented by Christopher Chope. Draft bill (PDF)
Child Criminal Exploitation Bill – 2nd reading Makes involvement in child criminal exploitation an aggravating factor in sentencing for some drugs money launding offences, among other things. Private members' bill presented by Paul Beresford. Bill not yet published
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First of all, I want to thank the people on this subreddit who offered the information that made me feel like I could go through with this. I’m a longtime lurker (posting from a throw away) but finally got my bisalp earlier this week and I couldn’t be more excited. This was my first experience with surgery/general anesthesia, so I wanted to share my experience in as much detail as possible in hopes that it can help someone else know what to expect. My only regret: not doing it sooner. :)
About my physical health: I’m a 33 year old woman who’s never had kids or even so much as a pregnancy scare. I’m 5’5” and 124 pounds, and I feel privileged that I have no major health issues; I exercise on a daily basis and try to eat healthy when possible; I’ve been a social drinker for the past few years; I use THC and CBD several times a week, but in small doses (like 2-5mg); I’m diagnosed with ADHD and regularly take medication for it, but that’s the only prescription medication I take regularly.
About my desire to not have kids: I’ve known since I was a kid that I never wanted to have any children of my own; being raised by two neglectful parents made me realize how selfless and patient a good parent needs to be, and how I have no desire to be that person. Some of my favorite things about my current life include freedom, good sleep, some disposable income, minimal stress, and not being responsible for anyone else. I’ve also never used any forms of birth control aside from condoms. What galvanized me to take the plunge with permanent birth control was the situation with Roe v. Wade… I’d rather just embrace my childfree lifestyle and ensure it stays the way it is. It’s hard to put into words the relief I feel about not ever being able to have kids… it’s surreal in the best possible way. It’s like I’m still trying to wrap my mind around having finally achieved a dream I’ve been thinking about for years.
About my health insurance: I’ve been on Medicaid for the past 3 years. When I was first approved for Medicaid, I was automatically placed on my city’s plan (Denver Health) and since that was the only option that was covered, I tried to schedule a bisalp there. The nurse practitioner I met with walked me through the details and asked if I’d thought it through and fully understood if it was permanent (I’ve forgotten her name but can try to look it up if anyone’s interested). I said yes. She told me she approved me for the procedure, and that the next step would be to wait for the surgery scheduler to give me a call. The scheduler tried calling me about 6 times over the next two months, all during work hours when I was unable to answer my phone; I was never once able to get through to her even though I tried calling her back 43 times before I gave up.
I applied for the Medicaid option with wider coverage (Colorado Medicaid) the next possible chance I had. I’d researched doctors listed on this sub and had seen that Dr. Dabelea had gotten good reviews AND accepted Medicaid, so I booked a consultation. (again, a big thank you to fellow redditors on this sub for recommending him)
During the appointment, Dr. Dabelea confirmed that my past bisalp approval was still valid, and I appreciated his kindly and gentle tone as he reiterated the details. Everyone in the office was incredibly kind, in fact, and especially Betty, the scheduler (she actually scheduled me for the surgery unlike other clinics–I’m looking at YOU, Denver Health). I told her about my anxiety around medical procedures and she suggested I choose the earliest morning appointment time possible because my surgery would be less likely to be delayed than if I booked an afternoon time slot. As someone who hates waking up early yet hates waiting around anxiously even more, I accepted the earliest time slot–a 7:30am surgery. This meant that I’d need to be at the hospital by 5:30am to check in and get prepped. The first available surgery appointments were about a month out and Betty got me set up with a 2 week follow up as well. She sent me home with a surgery “goody bag” with Ensure to drink 4 hours before the procedure + a bottle of Hibiclens soap to use in the shower the 4 days prior to surgery + chapstick.
What I did to prepare: 1. put reminders in my schedule to start showering with the soap 4 days out. 2. The Ensure went in my fridge because Betty said it was best when chilled. 3. I asked a close friend if she could get me to and from the hospital. 4. I completed the online surgery registration forms about my current prescriptions, health history, etc 5. I immediately started reducing alcohol , THC, and CBD and completely cut them out about a week before my surgery. 6. The weekend before, I deep cleaned my house, did all my laundry, took out the trash, got groceries, and asked friends for recommendations for light TV shows I could binge. 7. The day before, I made a nest on my couch with cozy blankets and a hot water bottle and a mini stockpile of meds (including gas pills and throat lozenges and laxatives). I made a smoothie and stuck it in my fridge for the next day. I laid out my clothes (baggy black cotton maxi dress, cozy sweater, and slip-on shoes) and threw some essentials in a bag just in case I’d need to stay overnight (airpods, chapstick, phone charger, toothbrush/paste, underwear). I double checked the pre-surgery info page, and followed instructions not to eat or drink anything after midnight… 8. …except for the chilled Ensure that I set next to my bed before I set my alarm for 3am and 4:45am. 9. Woke up at 3am and chugged Ensure. 10. Woke up again to shower with the Hibiclens one last time.
My friend got me to the OR admissions office by 5:30am. From there, the warm-voiced receptionist handed me an iPad to fill out a few more details and explained that a nurse would be along shortly to take me upstairs to prep for surgery.
Upstairs, the nurse weighed me then instructed me to go into the bathroom to provide a urine sample: “even just 3 drops is all I need,” she said. (Thankfully she didn’t need much, because I didn’t have much in my system.) Next, in the prep room, she pointed out plastic bags for my clothes and shoes to go into, along with a back-opening gown and grippy sock slipper things. She motioned to the packet of 6 surgery towelettes and told me to use one for each arm and leg, and the front and back of my torso and said she’d leave me to do that and get changed.
Once I had, another nurse came in to go over a few other details. I confirmed that I felt like a big ol baby with my anxiety about the whole thing, and she said it was normal and that she was impressed that it was my first time with general anesthesia. She suggested that she could add a couple friends’ phone numbers to get text alerts about my progress so they could have an idea of when to pick me up.
“Placing the IV is the hardest part,” she said as she answered my questions about its purpose. “This is how we’ll make sure you’re properly hydrated. And this will be how your anesthesiologist administers sedation. They used to use gas, but they rarely do anymore because it tends to cause terrible nausea for women.” She asked if I got carsick easily, and when I said yes, she provided me with an anti nausea patch of scopolamine behind my ear. “If you happen to touch it, just be sure to wash your hands ASAP. If you touch the patch then accidentally touch your eyes, they’ll get really dilated.” She then told me that she’d be getting me a small cocktail of pills to take before the surgery.
IV placed, I gulped down my pill cocktail. The nurse asked if I’d like to use the restroom one last time.
Next, I briefly met the anesthesiologist. He threw me for a loop when he asked about the prescription medications the nurse had just given me–he seemed to think I was regularly prescribed them until I told him they were just for today. (“Please don’t mess up my anesthesia,” I thought.) He asked about my habits with alcohol, and how often I used THC. He clarified that regular users of high THC doses tended to need more anesthesia to knock them out.
When Dr. Dabelea came in and greeted me with a handshake and asked if I had any questions, I asked him if it’d be possible for me to take my tubes home with me. I felt like a weirdo for asking but he seemed to take my request seriously. “The usual procedure is to send the tissue to the Pathology Department to confirm that the tissue is, indeed, the Fallopian tubes,” he said. “It’s very rare that it isn’t, but we do this to make absolutely sure that the patient is sterilized.” Fine by me–I’d rather be totally sure than have some weird shit to put on my mantle. I also asked him if he’d been seeing an uptick in bisalps. “Yes,” he said, “before the Roe v. Wade situation, I did 1-2 bisalps a year for women under 30. Since the decision, I’ve been doing 1-2 per month.”
One of the nurses popped back in to put my phone away in a locker with the rest of my stuff. As she was doing that, I met the final member on my surgery team, my OR nurse, and immediately liked her warmth and the competence she radiated. I told her how silly I felt for being so nervous. As she wheeled me back to the OR, she told me I’d be in good hands, and that in a few minutes I’d get to drift off to sleep like I was on a tropical beach vacation. The compression pads around my calves, she said, would start inflating and would feel like I was getting a massage.
She helped me shift onto the OR bed, then the anesthesiologist was placing a mask over my face and instructing me to breathe deeply, and the next thing I knew I was waking up in a curtained section of PACU. A new nurse was asking me what year it was and I told her. (“It is 2024, right?”) Then I asked her what time it was. The surgery had gone quickly–it was 8:30. The nurse asked if I needed to pee, I said yes, and she brought a bedpan. Apparently they’d used a catheter on me, so the slight soreness around that plus the bloated sesnation in my belly made me feel like I had to pee more than I did. The nurse brought me water, applesauce, and graham crackers before she walked me through post-op instructions that included things like: avoid alcohol for at least 24 hours; drink plenty of water; avoid spicy/greasy/fried foods at first; avoid lifting anything over 20 pounds for the first couple weeks; take the least amount of your prescription narcotic as possible.
She went to pick up my prescription of pain pills from the hospital pharmacy (very convenient; I’d called the office the week prior to see if I could arrange to pick up my pills before the surgery, but the receptionist had let me know that the hospital’s pharmacy would get them to me).
At around 9:30, I was ready to start getting dressed. I texted my friend that I’d be ready to go soon, and before I knew it, I was in her car on the way home.
I could not be more GRATEFUL to have gotten this surgery. I feel blessed to have experienced minimal pain: I feel aware of the bloating and incisions, but not in a painful way. If anything, my stomach feels the way it would the day after a big ab workout. I was prescribed a weeks’ worth of pain pills (2 per day) but luckily this post-op discomfort doesn’t come close to the sharp pain of my monthly period cramps.
While researching this surgery, several people had mentioned the risk of constipation from dehydration and pain pills, so I took a laxative in the evening of day 2 (about 36 hours after surgery) and ate a meal with lots of beans.
Stuff I’d recommend: 1. Make sure that your pickup person has a wide-ish window to pick you up, just in case it takes you a while to come out of anesthesia. 2. If you like CBD, have plenty of it on hand for after the surgery. (Please take this with a grain of salt: there can be interactions between pain medicine and CBD.) 3. Wear the absolute baggiest clothes you own. The dress I wore was essentially a giant bag. 4. The day before your surgery, drink some electrolytes and try to get as hydrated as possible. 5. Although waking up before dawn isn’t ideal, I loved knowing that I wouldn’t have to deal with potentially anxiety-inducing delays the way I might if I had a surgery scheduled later in the day. 6. Do as many little chores around the house as possible so you don’t have to worry about taking out the recycling, for example.
I’d read about how terrible it was to have your period start soon after this surgery, but I couldn’t change the fact that mine was due to start 3 days after. Thankfully the cramps weren’t extra painful. The only difference I’ve noticed is that I’ve definitely bled a bit more than usual.
TL;DR: I had a smooth bisalp experience and highly recommend the procedure if you’re considering it.

“ Who do you give priority to within your inside ?
Do you give priority to your husband within your inside ?
Do you give priority to your real feelings within your inside ?
Even you’ve done for your husband, doing for him doesn’t fill you with more happiness, doesn’t bring you and him more happiness.
What do you quit within your inside ? It’s so important to quit what you already give to yourself and him for filling your partnership with more happiness.
Have you asked him for help ?
Have not asked him for help ? Is that right ?
In your case, Your husband has the answer to lead you into more happiness.
It’s possible to bring back trust in my counselling. “
I’m sharing my messages with you who go through the condition as the same with her through reading this message below. ( I don’t write the age for protecting your personal information. ) from relationship_advice on reddit.

" I (●F) had a miscarriage and my husband (●M) really let me down. How do we build trust again? "
We have one son (3●) and generally our relationship has been good. We recently had a miscarriage and his response was terrible. While I’m in pain, I still cooked for him and his mother (she stays with us) and took care of our child. I laid down in our bedroom after being in too much pain and he didn’t check on me once for over 24 hours. I was so weak and dehydrated. He only came to drop off our child at 7am because “he really wanted you”.
I stopped talking to him after getting some strength back. I gray stoned him for a few weeks. He has bought flowers once, cooked only once the entire time. The separation left me thinking about all the things I’ve done for him and he hasn’t done for me. The past 6 years of marriage, I quit my life to move to him, he’s never planned a single date or trip, never planned a single wedding anniversary. I’ve never taken his money. This isn’t the first time he didn’t take care of me when I was sick. Last time, I told him how he should take care of a sick person. Whenever he was sick, I babied him. I brought up divorce. He said I should have asked for him help. But he didn’t even check up on me once.
We’ve been in counseling and our counselor said I need to forgive him (don’t forget, just forgive him) and my husband needs to learn empathy. We need to build our trust again. But honestly, my tank is empty. I don’t even want to talk to him. I don’t see him budging to change either. He’s not any more attentive than before and that’s already a low bar. Is this marriage done? Is it even possible to bring back trust if there’s no indication of change?
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『 We have one son (3●) and generally our relationship has been good. We recently had a miscarriage and his response was terrible. While I’m in pain, I still cooked for him and his mother (she stays with us) and took care of our child. 』
【My view】; It would have been very hard to have a miscarriage for you.. I understand your pain. Regarding his response was terrible, it will be very hard that you feel as he doesn’t understand your pain and your sorrow, he would not have known that you’re too much in pain and you cooked for him and his mother, that you took care of your child. Did you tell him that you’re too much in pain so you can’t cook for him and his mother, you want him to cook for you and his mother, you want him to take care of your child ?

『 While I’m in pain, I still cooked for him and his mother (she stays with us) and took care of our child. 』
【My view】; Have you asked him for help ? while you’re in pain. What did you want to do while you’re in pain ? You wanted to rest, so you wanted him to help you, you wanted him to cook for you and his mother, you wanted him to take care of your child, did you have such feelings? Did you tell him what you wanted to do and you wanted him to help you specific and you wanted him to cook and take care of your child again and again?
You needed to rest for you while you’re in pain, you should have rested for you, you should have quit cooking for him and his mother, you should have asked him for help more.
While you don’t tell him that, he doesn’t notice that. While you don’t tell him what makes you happy and what you’re not glad and what you can’t do, he doesn’t know that. He can’t give you what he doesn’t know. He can’t give you your happiness he doesn’t know. What is the most important means you don’t do for him.
Have you built trust to ask your husband for help?

『 I laid down in our bedroom after being in too much pain and he didn’t check on me once for over 24 hours. I was so weak and dehydrated. He only came to drop off our child at 7am because “he really wanted you”. 』
【My view】; Probably, you would not have noticed that he had his love which he didn’t check on you once for over 24 hours. It was his love that he only came to drop off our child at 7am, he did his best for your happiness, although you won’t notice that’s his love and you won’t feel that he does his best for your happiness, you will feel what you want him to do many things for you..
To be honest to your happiness more and to follow what you really want to do for you more honestly are necessary for noticing his love and that he does his best for your happiness.
If you don’t do your best for your happiness, you won’t feel that he does his best for your happiness.
If you’re not honest to do what you really want to do for you, you won’t feel that he wants to make you happy and he acts honestly for your happiness. That means the relationship between you and yourself. Your partner, your husband mirror the relationship between you and yourself, what you already give to yourself.
Your husband exists for making you happy.
Did you give priority to what you really want to do with him ? Did you give priority to what you’re happy and you’re glad within your inside ? Did you put what you wanted to do in the middle of your inside ?

Regarding “ he really wanted you “, even when you had a miscarriage, your husband doesn’t change his love, that’s great because love of a man is unconditional. Love of a man increases more even you can’t do anything and you’re not useful and you don’t do anything for him and his mother.

Regarding his action that you laid down in your bedroom after being in too much pain and he didn’t check on you once for over 24 hours, did you want him to check on you ? is that right ? Are you glad that he checks on you ? Did you tell him that ? Did you tell him what you’re glad ? Probably, he would have not wanted to bother you so he would have not chosen to check on you and he would have not found what to do for you in his view..

While you don’t ask him for help, he will leave you alone, because he will consider what he doesn’t do what you don’t ask him for help as trust between you and him. He won’t know what to do for your happiness, because he won’t know what makes you happy and what you’re not glad, did you give him your information for your happiness ?

While you don’t ask him for help, a man leaves you alone, because leaving you alone puts trust on the relationship until you ask him for help, that’s the nature of a man and love of a man. Not knowing that will give you more sufferings.

And if you dislike what he leaves you alone and you’re glad that he checks on you, it’s so important to tell him what you dislike and you’re glad and you’re not glad and you’re not happy and you’re happy for your happiness again and again. Have you been honest to what you’re glad and you’re not glad and what you’re happy and you’re not happy for you ? To live your life is necessary for being honest more to that and telling him that.

It is not easy to notice love of a man for a woman, because a man has love in the outside a woman imagines love and wants love.
The nature of a man differs from the nature of a woman.
Love of a man differs from love of a woman in the opposite.
It has love of your husband in the outside of your view and you want love.
It has your love in the outside of his view.

While you don’t find the nature of a man and love of a man, you will feel more suffering through your partner.

In more deep words, while you don’t know what you learn through your husband, you will feel more sufferings.

『 I stopped talking to him after getting some strength back. I gray stoned him for a few weeks. He has bought flowers once, cooked only once the entire time. 』
【My view】; For you, you will feel like his love is not enough.. Feeling that is not a mistake anything, because that means you have what you want him to do many things, you think what you want him to give your happiness more, what you want him to give love you want with the way you are. For him, it’s just his love that he has bought flowers once, cooked only once the entire time, he just does his best for making you happy. I understand that you will feel like his actions are not enough for making you happy.

Probably, he will be considering what he has bought flowers once and he has cooked only once as he cherishes you. That means a difference between the nature of a man and the nature of a woman, it’s so important to make him up to date your happiness so keeping telling him what makes you happy and what you’re glad is necessary for you and him.

If you want him to cook for you every day or every night, it’s so important to tell him what you want him to cook every day or every night, to tell him the specific period of time is necessary for taking what you want him to cook. Did you express your joy regarding he cooked once for you ? Did you tell him that you accept him and you appreciate what he cooked once for you ? After he did what you wanted him to do and he cooked once for you, it’s so important to tell him your joy.

Regarding he has bought flowers once and cooked only once the entire time, probably he would have not felt your joy through your reaction. He won’t know what makes you happy and what you’re glad, because you would not have told him that. Did you tell him what you’re happy and you’re not happy and you’re glad and you’re not glad ?

『 The separation left me thinking about all the things I’ve done for him and he hasn’t done for me. 』
【My view】; All the things you’ve done for him have not brought you happiness, what do you quit ? what do you do ? It’s so important what you quit and you do within your inside for you. “ What do you choose to quit ? What do you choose to do ? “, It’s so important and turning point.
Do you quit all the things you’ve done for him ?
What he hasn’t done for you mirrors what you've not done for you.

『 While I’m in pain, I still cooked for him and his mother (she stays with us) and took care of our child. 』← What he hasn’t done for you mirrors what you’ve also not rested for you.
That means you already give priority to him within your inside.

『 The past 6 years of marriage, I quit my life to move to him, 』
【My view】; What do you quit ? Do you quit that you quit your life to move to him ?
You need to shift to live your life from quitting your life to move to him, because you won’t accept his love while you don’t put yourself in the middle of your inside. You can’t give him what you don’t give to yourself. You don’t take what you don’t accept yourself and you don’t give to yourself through him, so you need to fill the relationship between you and yourself with love.

『 The past 6 years of marriage, I quit my life to move to him, he’s never planned a single date or trip, never planned a single wedding anniversary. 』
【My view】; Have you asked him for help to planning a single date of trip, a single wedding anniversary ? Did you want him to plan that ? Did you tell him what you want to give you and what you want to do with him ? Probably, he would have not known what you wanted and you wanted to cherish, did you tell him what you wanted ?
As the nature of a man, a man is not interested in wedding anniversary and birthday. If other man is interested in special day, other women will give him the information and other man will keep believing that information. If you want to have a single date or trip and a single wedding anniversary, it’s so important to tell him and to keep telling him what you want to do for your happiness.

『 The past 6 years of marriage, I quit my life to move to him, he’s never planned a single date or trip, never planned a single wedding anniversary. I’ve never taken his money. 』
【My view】; Have you asked him for help to take his money ? Did you build trust to ask him for help ? Have you told him what you want to do and you want him to give you ? Do you say to him that “ Give you his money. “ ? If you can’t say to him that, you need to face what you’ve believed through your mother or your father, to face what you already give to yourself is necessary. In my counselling, you will get that more deeply.

『 The past 6 years of marriage, I quit my life to move to him, he’s never planned a single date or trip, never planned a single wedding anniversary. I’ve never taken his money. This isn’t the first time he didn’t take care of me when I was sick. Last time, I told him how he should take care of a sick person. Whenever he was sick, I babied him. I brought up divorce. He said I should have asked for him help. But he didn’t even check up on me once. 』
【My view】; What is the most important doesn’t mean you tell him how he should take care of a sick person. What is the most important means you tell him how you want him to take care of you and what you’re glad and you’re helped. It’s so important to keep to tell him what you want him to do and you feel a help if you feel a help as he checks on you. It’s so important that you cherish yourself as you baby you and that you tell him that if you want him to cherish you and baby you as well as you babied him whenever he was sick.
It’s so important that you fill your inside with love you want him to do, that you give you what you want him to give.

You would have given him love you want him to give, you would have given him what you want him to do, that’s the opposite in truth. That means you give you what you want him to give, you fill your inside with love you want him to give.

It’s so important to fill your inside with love for you before you give him your love, because you can’t give him what you don’t fill your inside with love and happiness, you can’t give him what you don’t give to yourself. That mirrors the relationship between you and yourself.

Did you tell him that you feel a help as he checks on you so you want him to check on you again and again ? Probably, he won’t find that you consider what he checks on you every time as a help. How to tell him won’t reach his understanding and what to do for him. In my counselling, you will get how to tell him your happiness and your gladness more deeply.

Regarding “ he said you should have asked him for help. “, he has been honest to his feelings, he wanted you to ask him more for help in other words. Do you know his happiness ? He will be happy to feel be useful through helping you.
To quit what you’ve done for him, to quit what you already give to yourself, to change how to do your communication will bring your partnership between you and your husband more happiness.

『 We’ve been in counseling and our counselor said I need to forgive him (don’t forget, just forgive him) and my husband needs to learn empathy. We need to build our trust again. But honestly, my tank is empty. 』
【My view】; I have an opinion differing from your counselor, so I’m writing my messages. Who do you give priority to within your inside through forgiving him ?
Do you give priority to him through forgiving him ?
What you’ve done for him, what you’ve given to yourself let your tank be empty.

To forgive him will increase more that your tank is empty, because you already focus your view on your husband, you don’t focus your view on yourself and your happiness. It’s so important that you accept his love even you don’t see as his love is enough for you, to accept you yourself unconditionally is necessary for accepting his love which is not enough for you. To forgive you yourself unconditionally is necessary more than you forgive him, because your tank is empty. To fill your inside with love and happiness, freedom yourself is necessary for you.

As the nature of a man, a man doesn’t have empathy. It will suffer from the relationship to desire what you don’t have and you can’t do and he doesn’t have and he can’t do to one another. To require empathy a man doesn’t have, makes you and him ignore the nature of a man. What is the most important means “ What do you want to feel through taking his empathy ? “
Do you want to feel what you're understood through his empathy ?
Do you want to feel what you're loved through his empathy ?
Do you want to feel what you're cherished through his empathy ?
You need to build trust between you and yourself more than you need to build your trust again, because your trust again with your partner mirrors trust between you and yourself. To be honest more to your happiness, to live your life, to ask him for help for your happiness, are necessary for building trust between you and yourself.

『 I don’t even want to talk to him. I don’t see him budging to change either. He’s not any more attentive than before and that’s already a low bar. Is this marriage done? Is it even possible to bring back trust if there’s no indication of change? 』
【My view】; It’s possible to bring back trust for you. To be honest more to your happiness, to up to date your happiness to one another are necessary for bringing back trust. You’ve do too much for him. Doing too much for him doesn’t bring you and your husband more happiness.
Do you quit doing too much for him ? Do you choose to do for you and your happiness ?
I understand that you don’t see him budging to change either, because I’ve also gone through the feelings as the same with you, I already notice what your beliefs let you feel such view. To notice what you learn through your husband will liberate you more from your view. In my counselling, you will get what you learn through your husband.

Your husband loves you unconditionally even you feel like you’re not loved and you’re not cherished by him with the way you are, he loves you in the outside of the way you are. I understand it is not easy to notice love of a man for women. To quit doing too much for him, to do your best for your happiness are necessary for noticing his love. To lower the bar to accept you yourself is necessary for accepting his love. You can’t accept what you don’t accept you.
In my counselling,

You will get what you quit giving to yourself and him for bringing you and him more happiness.
You will get what you give to yourself for filling your inside with more happiness, freedom and peace.
To find what you learn through your husband will help to liberate your inside and your view more happily, so you will get what you learn through him in my counselling.
You will get how to do your communication to fill your partnership between you and your husband for reaching his heart or his understanding.
You will get what to do and what you face within your inside for taking his help.
You will get what you build trust again with your husband.

If you still love your husband and he also loves you, I would like to help that you grow your love between you and your husband to one another through my counselling.
Guidance for getting my counselling
Regarding my counselling
【Pricing plans of E-mail counselling】

8,000 Yen per 2 times；You can get my counselling twice about your sufferings and your worries.

You talk to me about your sufferings and your worries.
I answer about that, I will share with you if I give you your work.
You question me more if you have another questions. You talk to me through experiencing your work I give.
I answer about that.

20,000 Yen per 1 month

There’s no limit to the number of times you can get my counselling for a month.

※ It won’t be easy to change your habit of your thoughts and your actions so far for you through once counselling, it will take time to get a new habit and keep to get it for you, so it will take time more than two plans for getting a new habit and keeping to get it in your case.
※ Price, given in Japanese yen, differs depending on exchange rate against your local currency. Make some adjustment, as a result, money you send will be a little over your calculation. Fee for sending money is yours.
I recommend you to use “ Wise ” regarding Procedure of remittance ( sending money ) because fee for sending money is lower rather than others.
For procedure of remittance ( sending money ), you need my mail address and the registration of Wise. Registration fee for Wise has no charge. I’ll send my mail address to your mail address.
After my confirmation of your payment, you can get my counselling of E-mail.
by Orga Mitsuki

Knowing how to stop living paycheck to paycheck provides you with extra cash to build an emergency account and increase your savings. It enables you to allocate more money to debt repayment so you can reach financial freedom sooner.
What does living paycheck to paycheck mean? You have barely enough money to cover your monthly expenses, and no money is left over to be added to savings. That’s a tough position to be in, which can cause frustration, stress and other mental conditions.
The good news is that it’s within your control to form new money habits that will put you on a path to achieve your financial goals.

Why You’re Struggling Financially

The two biggest reasons people struggle financially is because of status and comfort. It’s likely that your motivation for shopping is those two factors. You should never finance a vehicle, but many people do because others being impressed by their car makes them feel a certain level of status.
The car’s heated seats and sound system provide them with comfort. But comfort is also associated with more affordable purchases such as a subscription to a video streaming service or the fifth pair of shoes you have to own otherwise you’re going to die.
Status and comfort are not only the causes of your financial struggles, but they’re the reason you’re still struggling. Most people don’t want to lower their standard of living because it means lowering their status and being less comfortable.
To stop living paycheck to paycheck, STOP WORRYING ABOUT YOUR STATUS AND BECOME UNCOMFORTABLE!
Do you know what percent of Americans live paycheck to paycheck? Just over 60%. In the so-called richest country in the world, more than half of the population has no money after paying their monthly expenses. Yikes.

Living Your Life for Other People…..

It’s likely that you’re worried about what your family, friends or partner will think if you downgrade to a more affordable vehicle, move to a cheaper neighbourhood and no longer wear designer labels. Imagine what they’ll think of you when you’re homeless. If you don’t have any savings, you’re one paycheck away from being on the street.
That actually happened to me.
I had invested all of my money into a nightclub I opened. After selling a portion of my shares to my partners, I became the minority shareholder and got fired from the business I started.
With no savings, I was evicted from my apartment and had nowhere to go. I parked on the side of the street and lived in my car. The two financial management degrees I obtained at university didn’t help me avoid homelessness.
I learnt that being broke makes you not care about what others think of you.
The reason you still care about what others think of your possessions is because the extent of your pain isn’t too severe. With me living on the street and not having food, you can imagine that my pain was extremely severe and reached its threshold.
That’s when I made a change.
I decided to learn about getting out of debt and saving money. If you follow the advice I will dispense in this blog, I have no doubt that your financial situation will improve. The extent of the change you make will determine how much money you save.
I recommend you take drastic steps, which will require you to stop worrying about what others think and say about you, and become uncomfortable.

A Money Savings Challenge

I learnt that money management is about how much money you keep, not how much you make. My belief used to be that a higher income would heal all my financial wounds. I was wrong.
I actually received a few raises, yet I made no financial improvements. The reason is that I had conditioned myself to be a spender, and savings weren’t high on my priorities. I’m willing to bet you’re the same. If I’m wrong, why do you not have savings?
The key to saving extra money is to recondition yourself to become a saver. This gives you the highest probability of staying on the savings path and not reverting to spending habits.
Habits are formed after remaining disciplined for weeks and months. Eventually, you should reach a point where spending money is painful. Now, you probably get satisfaction from buying items because you’re wrapped up in status and comfort.
It’s time your ego took a blow.
Here’s a money savings challenge that will take you from struggling to savings:
Live way below your means. Be a minimalist for a prolonged period. It will change your life for the better and enable you to save a lot of money. That’s what happened to me. I went from the street to paying off $40,000 in debts and saving up $50,000.
You have to go all in. There’s no bargaining with me when it comes to compiling a minimalist budget. Your only option is to reduce all expenses. It sounds impossible, but it’s not.

Step 1: Compile a list of your expenses

To get the most accurate figure for your expenses, you need to keep all receipts for a month. Enter them into a money-saving app or an excel spreadsheet. Ensure that every expense is recorded—parking and movie tickets, clothing and especially takeaways.
Keep each expense on its own line item.
I recommend inputting the receipts immediately after purchase so you don’t lose them. You may be overwhelmed with the number of receipts to record at the end of the month, so it’s best to do it right away.

Step 2: Scrutinize your expenses

This is where the change takes effect. All of us can reduce our expenses. You need to look at each item on the list and come up with a solution to reduce it. Notice I said, ‘solution’ and not, ‘see if you can’. Every expense can be reduced.
Let’s start with the biggest expenses most people have—housing and transportation.
If you work remotely, moving to a cheaper place is easy. You can be anywhere in the world. Your goal with a minimalist budget is not to live in a cool neighbourhood but to save money. This also pertains to office workers. If you cannot move too far away, reduce your living expenses by moving to a smaller place within the neighbourhood.
Rent out a room or move in with someone. I did it, and I saved a lot of money. I realise that an adjustment to your living situation affects your privacy, but it’s time to be uncomfortable.
Keep in mind that not all changes are permanent. Eventually, once you’ve built up a healthy savings account, you can be more flexible with expenses. But right now, become less comfortable by moving to a more affordable place, or share your living space.

Cars

Ahhh, that piece of machinery that depreciates and is a bottomless money pit. Your vehicle is sucking all the money from your wallet, and because of status and comfort, you hang on to it. If you live in a metropolitan city offering public transport, there’s no reason for you to own a car. The only time it makes sense financially is if you use it to generate an income such as being a taxi driver or a sales rep.
The average car payment in America is almost $700. That’s bananas. You wanna hear something crazier? My car payment was higher than my rent. Yes, I was a financial moron, which is one of the reasons I ended up on the street.
Even if your car payment is $300, that’s not the only expense it carries. Other costs are registration, maintenance, tire replacement and gas.
YOUR CAR EXPENSES ARE ONE OF THE BIGGEST REASONS YOU’RE LIVING PAYCHECK TO PAYCHECK.
Get rid of your car ASAP. At the very least, downgrade to a more affordable one. I haven’t owned a car for six years, and I’m coping just fine. I saved a tremendous amount of money because I don’t own a vehicle.

Food

Stop eating out and getting takeaways. Just stop it. Not only are you likely consuming unhealthy food, but you’re spending a fortune on it. If you cut restaurants and takeaways out of your monthly budget, don’t be surprised to have an extra few hundred dollars at the end of the month.
Even if you don’t eat out, you can reduce your groceries bill. Look at the food that you’re buying and the supplier. Instead of having steak often, substitute it with macaroni and cheese. Buy your food from farmers’ markets. It’s likely to be cheaper and healthier than supermarkets.

Subscriptions

Say goodbye to your video streaming subscriptions. The golf club membership? Cancel it now. You can’t afford it. It’s as simple as that. Every dollar counts, and you need to exclude any expense that isn’t necessary for survival.
I’m prepping you for a hardcore financial makeover, and you’re either onboard or not. But your decision will determine if you keep sinking financially or take massive leaps to a savings account.
I haven’t owned a TV for more than 10 years. If I can do it, so can you. Read a book instead. It will provide you with knowledge and make you a more interesting person.

Other items

Keep scrolling through your list and find ways to decrease each expense. Reduce the number of times you go out with your friends to places where you spend money. Instead, opt for a barbecue at each other’s houses.
Clothing is another big expense, especially for women. There is nothing wrong with wearing the same clothes numerous times. Steve Jobs and Mark Zuckerberg did it all the time.
Stop buying gadgets and other stupid stuff from Amazon or other retailers. I don’t have anything against those companies, but I do have a problem with you wasting money.

Final Thoughts on How to Stop Living Paycheck to Paycheck

If you think I’m crazy for suggesting you follow all my guidelines, I think it’s crazy that people can barely wait for their paychecks to feel some relief. I can’t imagine living from one month to the next. The mental torment such people feel must be excruciating. Not having money to cover an unexpected expense can feel degrading.
Do yourself and your family a favour by making a savings goal to live like a minimalist. You’ve been comfortable and a spender for far too long. Improving your financial situation will require a drastic change. I’ve shown you how to stop living paycheck to paycheck. Everything I mentioned is what I followed. That’s how I know it works.
If you want to start by saving $100, check out my article How to Stop Being Broke. It provides practical advice that will recondition you to become a saver.
Just know that the way you’ve been doing things has brought you the results you have. If you want different results, you’ll have to manage money differently.

Welcome to Cambria 75, a journey set in the echoes of a once-thriving world, now 75 years after the cataclysm known simply as The Fall. This isn't just a story of survival—it's about rediscovery, resilience, and the rebirth of communities amidst the ruins of the old world.
In this campaign, you'll navigate a landscape where remnants of advanced technology are treasures shrouded in mystery and danger. Nature has begun reclaiming the poisoned grounds of lost cities, and new societies have emerged, each carving out their existence in this changed world. As adventurers, you'll explore forgotten ruins, negotiate with emerging factions, and uncover secrets that could change the future of Cambria.
Join us as we forge a tale of adventure, mystery, and survival in a land that's learning to rise again. Whether you're drawn to the thrill of exploration, the intrigue of political machinations, or the simple challenge of keeping the dark at bay, your actions will shape the tapestry of this new age.
Are you ready to leave your mark on Cambria?

Game Style: Long-format Campaign
Price: Free
System: Forbidden Lands
Schedule: Sundays at 8pm Eastern
Platform: Foundry VTT/Discord
Age Requirement: 18+
Registration: Please send me a direct message either right here in Reddit or via discord (whiskey0087). After a brief screening conversation, we'll get you an invite to our Discord server where the game takes place and we can begin the character creation process.

About me: Hello all! I'm Steve "Whiskey" Wilson, aka Kusiami, founder of Maledictae and a "forever GM" since 2015. Our community has been thriving with several weekly games run by a talented group of GMs. Today, I'm excited to share my latest project, Cambria 75. Just like all our games, it's completely free!
Cambria has been the backdrop for numerous campaigns over the last decade, crossing paths with various game systems including D&D, Pathfinder, and now Forbidden Lands. One of the defining aspects of my settings is their permanence—actions taken by players in Cambria don't just ripple; they reshape the world. You're stepping into a legacy shaped by those before you, and your deeds will likewise set the stage for future adventurers.
What truly distinguishes our approach is what I call the character method. This isn't about guiding you through pre-set story arcs or giving the illusion of choice. Cambria 75 is a genuine sandbox. Your adventures, alliances, and animosities are yours to decide. The world is filled with what I call "named characters," each with deep backstories and unique psychological profiles. Many of these characters are pivotal figures like faction leaders, whose own ambitions and actions continually evolve the world. This creates a dynamic, responsive environment that feels alive, reacting not only to your actions but also unfolding in its own right.
I believe you're going to love the depth and freedom in Cambria: 75. Come make your mark—let's see how you change the world!

Cryptocurrency trading has gained immense popularity in recent years, and investors are constantly looking for innovative ways to maximize their profits. Binance, one of the leading cryptocurrency exchanges, offers a unique feature called Dual Investment. This feature allows users to buy low or sell high on selected cryptocurrencies, providing an opportunity to earn high rewards regardless of market fluctuations. In this comprehensive guide, we will explore the ins and outs of Binance Dual Investment and how you can leverage this powerful tool to enhance your trading strategy.

What is Binance Dual Investment?

Binance Dual Investment is a feature that enables users to set their desired price and date to buy or sell cryptocurrencies in the future. It provides flexibility and control over trading decisions, allowing investors to take advantage of market movements and potentially earn high rewards. This feature is available for a wide range of cryptocurrencies and offers two types of investments: "Buy Low" and "Sell High."

Buy Low

The "Buy Low" investment option allows users to buy a specific cryptocurrency at a lower price in the future. Users can select their target price and date, and if the market price reaches or falls below the target price on the settlement date, the cryptocurrency will be bought. If the market price remains above the target price, the user retains their original deposited digital asset.

Sell High

On the other hand, the "Sell High" investment option enables users to sell their existing cryptocurrency at a higher price in the future. Users can set their target price and date, and if the market price reaches or exceeds the target price on the settlement date, the cryptocurrency will be sold for the target currency. If the market price remains below the target price, the user retains their original deposited digital asset.

Benefits of Using Dual Investment

Binance Dual Investment offers several benefits that make it an attractive option for traders and investors. Let's explore some of these advantages:

Buy Low or Sell High: With Dual Investment, you have the freedom to choose between buying at a lower price or selling at a higher price. This flexibility allows you to tailor your investment strategy to your specific goals and market conditions.
High Rewards: Regardless of market direction, Dual Investment offers the potential for high rewards. Whether you choose to buy low or sell high, you can earn a passive income based on the success of your investment.
Wide Selection of Assets: Binance Dual Investment provides a wide variety of assets to choose from. Whether you're interested in Bitcoin, Ethereum, or other popular cryptocurrencies, you'll find a range of options to suit your investment preferences.
No Trading Fees: One of the standout features of Dual Investment is the absence of trading fees. When the target price is reached and the "Buy Low" or "Sell High" product is filled, you won't incur any additional charges, allowing you to maximize your returns.

How Does Dual Investment Work?

Dual Investment operates on a straightforward mechanism that ensures transparency and ease of use for investors. Let's dive into how "Buy Low" and "Sell High" products work:

Buy Low Products

Buy Low products allow users to buy their desired cryptocurrency at a lower price in the future. There are two scenarios to consider:

Target Reached: If the market price on the settlement date is at or below the target price, the target currency will be bought. For example, if you choose to Buy Low BTC with USDT and the market price reaches or falls below the target price, BTC will be purchased.
Target Not Reached: If the market price on the settlement date is above the target price, you will retain your deposited digital asset. For instance, if you select Buy Low BTC with ETH and the market price remains above the target price, you will keep your deposited ETH.

Regardless of the outcome, you will earn rewards in your deposited digital asset. Once the target price is reached, your subscription amount and earned rewards will be used to buy the target currency.

Sell High Products

Sell High products allow users to sell their existing cryptocurrency at a higher price in the future. Here are the two possible scenarios:

Target Reached: If the market price on the settlement date is at or above the target price, your cryptocurrency will be sold for the target currency. For example, if you choose to Sell High BNB for USDT and the market price reaches or exceeds the target price, your BNB will be converted to USDT.
Target Not Reached: If the market price on the settlement date is below the target price, you will retain your original deposited cryptocurrency. For instance, if you select Sell High BNB for ETH and the market price remains below the target price, you will keep your deposited BNB.

Similar to Buy Low products, you will earn rewards in your deposited digital asset. Once the target price is reached, your subscription amount and earned rewards will be sold for the target currency.

When to Use Dual Investment?

Whether you're an experienced trader or a crypto enthusiast, there are several scenarios where Dual Investment can be beneficial. Here are some common use cases:

Take Profit: If you have made significant gains on a cryptocurrency and want to secure your profits, Dual Investment allows you to sell high at your desired target price. This strategy enables you to realize your gains while also earning additional rewards.
Buy the Dips: When the market experiences a downturn and prices drop, Dual Investment offers an opportunity to buy low and accumulate more cryptocurrency at a discounted price. By setting a target price below the current market price, you can take advantage of market volatility and potentially earn high rewards.
Hold and Earn: If you're a long-term investor and believe in the potential growth of a cryptocurrency, Dual Investment allows you to hold onto your assets while earning additional returns. This strategy is suitable for those who want to maximize their earnings without actively trading.
Stablecoin Strategies: Dual Investment is not limited to buying and selling cryptocurrencies. If you hold stablecoins like USDT, you can leverage Dual Investment to earn additional returns on your stablecoin holdings by setting a target price and date.

Getting Started with Dual Investment

To start using Binance Dual Investment, you'll need to follow a few simple steps. Here's a step-by-step guide to help you navigate the process:

Create a Binance Account: If you don't already have an account, visit the Binance website and sign up for an account. The registration process is quick and straightforward, requiring basic information and email verification.
Complete the KYC Verification: To access all the features of Binance, including Dual Investment, you'll need to complete the Know Your Customer (KYC) verification process. This involves providing identification documents and personal information to comply with regulatory requirements.
Deposit Funds: Once your account is verified, deposit funds into your Binance wallet. You can deposit cryptocurrencies or fiat currencies, depending on your preference and trading needs.
Navigate to the Dual Investment Section: On the Binance platform, locate the Dual Investment section. It may be under the "Trade" or "Invest" tab, depending on the platform's layout.
Select Your Investment Type: Choose whether you want to buy low or sell high and select the desired cryptocurrency pair. For buy low, specify the target price and date, while for sell high, set the target price and currency.
Confirm the Investment: Review the details of your investment, including the target price, settlement date, and potential rewards. Ensure that everything is accurate and aligns with your trading strategy.
Submit the Investment: Once you're satisfied with the investment details, submit the investment request. Your investment will be recorded, and you can track its progress on the Binance platform.
Monitor the Market: Keep an eye on the market movements and track the progress of your investment. Binance provides real-time price charts and other tools to help you stay informed and make informed decisions.
Settlement and Rewards: On the settlement date, Binance will evaluate whether the target price has been reached or exceeded. If the conditions are met, the cryptocurrency will be bought or sold, and you will receive your rewards. If the target price is not reached, you will retain your original deposited asset.

Frequently Asked Questions

What is Dual Investment? Dual Investment is a feature on Binance that allows users to buy or sell cryptocurrencies at a specific price and date in the future, earning rewards regardless of market fluctuations.
What are the benefits of using Dual Investment?

Buy low or sell high
High rewards
Wide selection of assets
No trading fees

When should I use Dual Investment? Dual Investment can be used in various scenarios, such as taking profits, buying the dips, growing your holdings, or earning additional returns on stablecoins.
How do "Buy Low" and "Sell High" products work? "Buy Low" products allow users to buy a cryptocurrency at a lower price if the market price reaches or falls below the target price on the settlement date. "Sell High" products enable users to sell a cryptocurrency at a higher price if the market price reaches or exceeds the target price on the settlement date.
What is the Beginner Mode in Dual Investment? Beginner Mode in Dual Investment provides step-by-step guidance for new users, making the subscription process easier to understand and navigate. To start with your trading journey click here

Conclusion

Binance Dual Investment is a powerful tool that empowers traders and investors to make strategic investment decisions based on their desired price and date. Whether you're looking to buy low or sell high, Dual Investment offers flexibility, control, and the potential for high rewards. By leveraging this feature, you can enhance your trading strategy and maximize your profits in the cryptocurrency market. So why wait? Start exploring the world of Dual Investment on Binance today!

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