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Student Loan Default: The Guide (ReUploaded)

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

Student Loan Default: The Guide (reuploaded)

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

Student Loan Default: The Guide (reuploaded)

The original guide that was recently deleted here: https://www.reddit.com/studentloandefaulters/comments/cg1fd7/student_loan_default_a_guide/
I take no credit for this post, just happened to have it saved in a document and thought I'd be doing an injustice by not sharing this information once I saw the original post was missing! All credit goes to the original author, and without further ado...

Student Loan Default: A Guide
I’ve been wanting to write this for a long time, and seeing that person be in $500,000 of debt and no one really helping him on studentloans, I felt it was time to summarize everything I’ve learned. While there is great information on this sub, it is not centralized. It requires some digging. I hope now to bring all of it to the surface.

Definitions:

Strategic Default: When a borrower realizes that he or she can spend less money by not paying a loan. The borrower waits out the statute of limitations and then either settles or waits the debt out.

Shills: People who are paid to prevent the spread of student loan default information

Statute of Limitations: The number of years your state requires before a debt can no longer be collected.

Cosigner: The poor person who is just as legally required to pay your loans as you are

Foreign Earned Income Tax Exclusion: A tax rule that states any US citizen can earn up to about $100,000 a year in another country and report their US taxes as 0.

Fraudulent Transfer: When a party tries to move assets to someone else in order to avoid a lien on their property.

Lien: Essentially when the government slaps a bill onto your property forcing you to pay off a debt before you can sell the property.

Income Based Repayment (IBR): Federal loans can be paid with 15% of your discretionary income (money earned after taxes) instead of a higher, unpayable amount

Aggregate Student Loan Limit: The total amount a student can take out before the federal government or a private lender stops authorizing new loans

Wage Garnishment: When a court forces your employer to take out a certain percentage of your paycheck to pay back a debt

Bank Levy: When the government or a court takes all of the money directly out of your bank account to pay a debt

Private Loans: Loans that originate from anyone but the federal government. These loans have a statute of limitations and less power but higher interest rates.

Federal Loans: These loans have no statute of limitations, the government can collect anything you earn to get these back, and they come with IBR which is manageable

Sallie Mae: The worst private lender on the market. They only offer deferment for four short years.

Forbearance: A period where you do not have to pay your student loans, but interest accrues.

Deferment: A period where you do not have to pay your student loans, but interest does not accrue.

Credit Score: A number that tells people how responsible of a borrower you are.

Student Loan Tax Bomb: After you have paid for 10 - 25 years on your federal loans, you are forgiven the rest. That is considered income by the IRS. You then add this “income” to your regular income for the year and pay the tax. It can be over $10,000.

Insolvency: When you are unable to pay your debts. This works well for defusing the student loan tax bomb.

Public Service Loan Forgiveness: If you work for 10 years at a government job, you can get your entire federal student loan balance forgiven. In 2019, the feds are making it near impossible to collect. This could change.

A note on cosigners before we begin: Look, your cosigner is probably going to be very mad at you. Prepare for your relationship to be strained. You need to try and get them on the same page as you, and I do offer a tactic here to at least shift all of the financial burden off of your cosigner below. If you decide to do any of these tactics without getting your cosigner off the hook, there could be more risk involved if you or your cosigners have a lot of assets.

Strategy

Student loan default is a strategy. And to have a good strategy, one must plan as much as possible. You have to know all of your options. While strategy is your overall game plan, tactics are the individual options you have to get your strategy accomplished. Below are the tactics that you can employ to beat the student loan companies.

Tactics

Paying Your Loans: [low risk] In the rare chance you have anywhere between $1,000 to $20,000 in federal student loans and you have completed your bachelor’s degree, you should probably just pay the damn loans. All you have to do is set up an auto debit and forget about it. It will be about 15% of your income. You really want to try and avoid consolidating if you can, because it will count against some of your IBR payments. You would also lose your grace period if you did this. At the end of 10 to 25 years, you will be forgiven all of the loan amount you did not pay. That forgiven amount is considered income by the IRS, so you will be put into a higher tax bracket. I would get an accountant when this comes. In your case, your tax bomb will be low enough where you could probably just pay it. If you want to really shake things up though, you are welcome to try either the Asset Creation Tactic or the Madlad Method below. Here is more information on Income Based Repayment: https://www.studentdebtrelief.us/repayment-plans/income-based-repayment-plan/

Default Private IBR Federal (Staying Put): [low risk] The standard strategy here on studentloandefaulters. As mentioned above, for the federal loans, it’s best to just IBR and automatically debit your bank account each month and forget about it. For the private loans, this is where the game begins. Your overall plan here is to default, wait out the statute of limitations in your home state, and either settle the debt for less than 30% or just hope they leave you alone and you don’t pay at all. From this moment on, whatever you would have paid for your private monthly bill, sock that money away. Once you go past 120 days of no payments, you are in default. This is where the phone calls come in. They will start to harass you. They will call your work, your cell phone, your cosigner, etc relentlessly. Most likely, they’ll start doing this before you get to default. As they call you, you can either just give them the cold shoulder or start immediately acting like you do not own the debt. Never admit that you own the debt. Tell them you think they are crazy and have the wrong person. Inform your cosigner to do the same. Once your loans are sold to a collection agency, wait until they call you and ask for verification of the debt. If they do not provide it, you won. Chances are, they will be able to verify it, so just make sure you never admit to the debt on the phone or make a payment. If you make a payment, you’ll reset the statute of limitations. Do not give them five dollars, two dollars, a penny. If they do sue you, show up for court. Get a lawyer if you can afford it. You have to show up to court, or they win automatically. Even if you don’t have a lawyer in court, you need to make them verify the debt. You could still lose here. If you do lose in court, go to my tactic of “The Cat and Mouse Game.” They are playing a numbers game, and if you are harder to sue than John Smith down the street, they may prey on him or her instead of you. Now, there are four states in the United States that do not have wage garnishment: Pennsylvania, North Carolina, South Carolina, and Texas. You could move there, and if you have barely any assets, you are considered judgement proof. This means you’re not worth the time to be sued, because you have nothing to take and cannot be garnished. Moving is hard, though, so that’s a personal decision. Also, from what I understand, if you do move to these states, you can switch your statute of limitations over to their states which may be less time until you cannot be sued anymore. If you do lose and just want to stop here, you could get your bank levied and you could be slapped with up to a 25% wage garnishment until paid in full Clarification: a lot of people do not ever get garnished, and bank levies are rare (they are non-existent on federal loans). Do not let this freak you out!. I repeat this is super rare and not likely to happen. Anyways, you have options at this point. If it does happen, try another tactic like leave the country or cat and mouse below.

Default Private Default Federal: [medium risk] Some of the wilder people have attempted to default on both federal and private loans in order to do a cash settlement. The same strategy above in Default Private IBR Federal applies, but realize that the US government could just step in and do an administrative garnish on you eventually. If you were living some sort of cash existence, you could potentially avoid them and then write them a money order and settle for 30% or something. This way, you avoid the tax bomb and would probably pay a lot less interest overall. If you do this and it works, I would love to hear about it.

Cat and Mouse: [medium risk] So, you want to avoid getting sued or you lost a judgement? You don’t have to sit back and take it. u/nowaysalliemae has successfully avoided being sued by essentially going on the run. You see, to be sued successfully, they need to know where you work. If you get sued, move to another state, and switch jobs, they have to do the entire process over again! This means find you, verify the debt, sue you, etc. You can essentially do this until your statute of limitations runs out. And then, you dispute the debt on your credit score. They take it off at that point, and you just saved a lot of money. I decided to put this as medium risk, because moving around a lot would require some luck. Especially since you would need to work wherever you go, there are a lot of moving parts here. I think it is totally doable, and if you are an adventurous personality type, it could be a lot of fun. This only works for the private student loan side, because the US government has a lot more power. You would still IBR your federal loans on this tactic. For more information, go through nowaysalliemae's post history.

Leave the Country: [medium risk] What if you want to avoid all of this altogether? Do you want a reset button on your life? You can just leave the country and start over. Seriously. Your credit score does not follow you across countries. The federal government cannot garnish your paycheck if you work internationally. You are not a criminal doing this. Furthermore, there is something called the Foreign Earned Income Tax Exclusion. Since you will still IBR your federal loans on this plan, as long as you make less than $100,000 in another country, your US income is zero. This means you just got a free education while you make money in another country. Once you pay zero for 25 years, you will have to defuse your student tax bomb. Tactic Below. Private companies do not stand a chance here. There are countries in the commonwealth such as Australia and Canada that are more willing to take you in if you meet certain requirements. You could teach English at a bunch of places. You could apply for residency at these places or be a perpetual tourist. A perpetual tourist is someone who essentially moves to a new country, goes to a neighboring country for a weekend, and then goes back to that new country they are trying to start a new life in*. This in no means you have to go back to the U.S. Ever. For example, you want to live in Panama forever, every 90 days, you take a weekend trip to Nicaragua. You come back to Panama after the weekend is over and get another 90 day pass. Rinse and repeat. This gives you another 90 days in your country of choice. If you make money on the internet, this strategy would work pretty well. You can just be a perpetual tourist or marry someone in another country and start a new life. This will not be a good fit for everyone, but there’s something exciting about this. If you are young, single, and restless, this could be the adventure of a lifetime. Here's more info on being a perpetual traveler and the FEIE: https://www.escapeartist.com/blog/perpetual-traveler-us-tax-code/

Suspend Payment Without More Debt: [low risk] So recently, it has been brought to my attention that there is a community college, Luna Community College (in Las Vegas, NM), that has tuition so low you could go half time all year for about 684 dollars. They have a small amount of associate's degrees. If you just want to stop paying without taking any more loans, this would be the way to do it. You could do this for many years. Luna Community College's tuition matrix: https://luna.edu/tuition_matrix

Convert Private Loans to Federal: [low risk] From this point on, these are my special tactics I’ve been thinking about. They might work really well for some people. So, you have a bunch of federal loans and a good amount of private loans. You don’t want to fight debt collectors or move around. Try this. This plan only works if you have a bachelor’s degree though. Anyways, there is a special loan offered by the US Federal Government called the Graduate Plus Loan. This loan is incredible, because there is no aggregate student loan limit. In other words, you can borrow as much money as you want here. Even a million dollars no questions asked. All you need is no delinquency or default on your credit report. If you do have these things, you can get a cosigner in on the plan. They won’t ever be responsible anyways because you will defuse the tax bomb at the end. This works to your advantage, because you could go back to school at the graduate level, get a diploma mill master’s degree online, use your room and board payment to start paying off your private loans ASAP. Just make sure you are doing whatever your school considers half time enrollment in order to avoid student loan payments while doing this. Once you’ve gone to school long enough and converted all of your private loans to grad plus loans, you could just go on an IBR plan. This will at least make your life manageable. You would have to defuse your student tax bomb once this is over. Tactic below.

Convert Federal Loans to Private: [medium risk] So, what if you wanted to go the opposite way? Maybe you want to convert all of your federal loans to private ones, default, and then leave the country? Hey, maybe there are reasons you want to hurry up the settlement process. You could essentially do the same strategy as above, but instead just borrow from Sallie Mae, Wells Fargo, etc until all of your federal loans are paid off. Then, either cat and mouse or leave the country. I don’t think a lot of people would find a use for this, but hey who knows?

Asset Creation Method: [high risk] What if you wanted to not just pay off your loans but get ahead in life? Maybe you feel like using your student loan debt to your advantage. Thanks to the work done by u/BinaryAlgorithm, you could really come out on top here. Remember those Grad Plus loans we were talking about? Well, there’s nothing stopping you from continually borrowing all year on these loans, investing the room and board, and acting as if you do not have the debt in the first place. While I had originally said that rental property does not count as income, I cannot find any documentation proving this. You can still invest this money however you want, and you just defuse the tax bomb at the end (if anyone can find that documentation, please let me know). I did find that rental properties offer a lot of ways to reduce your adjusted gross income (management fees, advertising, etc), and these could reduce your income closer to zero. We’re not done here. Moreover, you could get a job that qualifies for Public Student Loan Forgiveness, enjoy your investments, and then pay for the 10 years. Be sure to convert all loans to federal before starting this tactic. I only put this as high risk, because the whole plan falls apart if Grad Plus loans get capped. Will they? Probably not, because those are the loans doctors and lawyers take out to go to their professional schools. It would take an act of congress to change the way the law stands now, but still, you should know that. This plan spans decades, so a lot can change. Also, having this many installment loans may lower your credit score over a multitude of years, but based on what everyone has found out here, it's not by much. For more information, go to this subreddit's search bar and type in "aggregate" and go look at BinaryAlgorithm's two posts on the subject.

Defusing the Student Tax Bomb: [low risk] So lucky for you, I talked to an actual lawyer and an actual IRS agent about this. This is completely legal and doable. Okay, so you were a good person and paid your IBR for 25-30 years. What now? Well, you’re about to be hit hard with a tax bomb. All of that money that is now forgiven counts as income on your taxes. This could mean a bill in the tens of thousands if you combined this with any of the other methods here—or just borrowed a lot to begin with. Luckily for us, there is something called insolvency. This means you are unable to pay your debts, and there is a really simple formula for whether or not you are insolvent. As long as you have more liabilities than assets at the time of student loan forgiveness, you are considered insolvent. In other words, right before you are about to be forgiven, like year 24 out of 25, you would take out a loan on something. All you would need to do is buy a house, buy a car, or buy something with a huge price tag. As long as your liabilities are way higher than your assets (like aim for 100K or something more), you are considered insolvent and you don’t have to pay any of the tax bomb. Boom. The IRS agent said this is fine. The lawyer said this is fine. I cannot believe this is fine. Where could you get the money to borrow for a house? Check Asset Creation method above. You could always sell the asset after the tax bomb is dealt with. For more information on defusing the student loan tax bomb: https://lawyerist.com/defusing-student-loan-interest-tax-bomb/

Getting Your Cosigner Off the Hook: So 90% of us have cosigners based on some statistic I read. These people are going to pissed at you, because they get harassed. If you have a lot of time to plan your strategy out, you can simply convert all of your private loans to federal ones. They are no longer responsible. The plan is above. Check out “Convert Private Loans to Federal.” Furthermore, if you are attempting to go the default route with private loans, you could potentially get your cosigner off the hook by refinancing your student loans without the cosigner. After you refinance, you could just default then. You would need good credit and meet certain requirements for this. Also, if you plan on defaulting, you might want to get your cosigner to transfer their assets to their spouse or someone trustworthy. Even though liens are rare, this could give you some peace of mind. As long as about 3-5 years go by, this is no longer considered a fraudulent transfer. Your state will have certain rules about this. If you are from Florida, apparently houses are untouchable there. You will need a lawyer to plan the asset transfer. At the same time, you may not be able to get your cosigner off the hook. Make peace with that. Student loans are brutal, so all you can really do is educate yourself and your cosigner and hope you come out on top.

Madlad Method: [high risk] Now, here comes my personal plan. This is what I’m doing, because I want to live a life on my terms and not really work for anyone my entire life. I’m also not a normal person, so this will probably appear crazy to some or most of you. So at this point, if you understand all of the methods before you, you are a powerful player in the student loan circus. You can do anything from fight the man to maliciously comply and bankrupt the system while becoming upper-middle class. I don’t really care for any of that. I want to go to a tropical paradise and make music for 20 years, so here is my interpretation of everything. I have some federal loans and private loans. I net about 25K a year through the Grad Plus loans, and I work about 4 hours a week in the online classroom. I take that federal loan money, and I sock away a few hundred every month to save up for my private loan settlement in about five years. Since I save 300 every month, I’ll have about 18K in 5 years when I go into default. I will settle ASAP. At the same time, I will continue to go to diploma mill universities, get master's degree after master’s degree, and move to a Latin American country where the cost of living is even lower. This way, my 25K a year puts me in the upper class of that country. I can live where I want and really do whatever I damn well please for as long as the Grad Plus loans are around. As an added bonus, I will already be starting a new life in another country where I can make connections and maybe even get married. I studied linguistics, so I know how to teach English. I can do that if I want a source of income anywhere. So there is my plan, and honestly, one day we might get someone in office who just wipes out all of this debt anyways. If that’s the case, I can just play the waiting game until all of this is over. Here are the rules on adverse credit history and Grad Plus loans: https://studentaid.ed.gov/sa/sites/default/files/plus-adverse-credit.pdf

Final Thoughts: Defaulting on student loans is not immoral or a sin. It is a business decision. Everyone else gets bailouts, why should student borrowers be any different? You’re going to have to ignore the people who tell you why they think you should be a good little slave and pay your loans. Those people are not your friends. Those people are not on your side. Some of the best advice I ever received in life was you have to do what’s best for you. Also, if you have anything you would like to add to this or would like to challenge, please let me know. I want this to be as accurate as possible. I will be looking at this perpetually to make sure there are no errors. Take care. Good luck. You can do this.
submitted by PlsvoteforBernie to studentloandefaulters [link] [comments]

Chronology of the Voxar Empire (my first playthrough ever)

TLDR: So, I just finished my first game of Stellaris. Here's a write-up of the "historical record" of my race. For a little OOC information, the Voxar were the custom species I used to use in Pax Imperia (Pax Imperia is basically a very primitive and feature incomplete version of Stellaris from the 90's) and I attempted to recreate them as closely as I could in Stellaris. This game was with the largest size 2 arm spiral galaxy possible to be created. I started with a random number of regular empires and fallen empires. I had no mods or DLC's.
TWOT: The planet of Vox Prime is a world almost completely covered in large prairies of grass. For a large herbivore, or the predator of one, it is a paradise. Sadly for the aquatic Vox species, the small oceans of Vox Prime severely limited their natural living space making life difficult for them and greatly affecting their evolution. First, they learned how to work together as a species. While never a true hive, the Vox learned that collective was more important then the individual in order to survive. They also learned that while working together as a species was important, that other species took up valuable living space and should be quickly exterminated. Finally they learned how to adapt to extreme conditions outside their natural ocean in order to expand and dominate their planet. When the Vox developed the hyperdrive they took these lessons, long drilled into them by their homeworld, to the stars.
Vox Prime circles Vox Star, a lonely binary star system located by itself at the very end of a spiral arm in it's galaxy. With only one single system accessible even with a hyperdrive there was no question as to the destination their science ships would go. The discovery of a couple nearby planets just as habitable as Vox Prime quickly resulted in an organized colonization program. A push to spread through the stars quickly started, and while not every planet was as nice to live on, the Vox ability to survive in extreme conditions, along with newly developed robotic workers, made life productive on every planet they encountered. The Voxar Empire was determined to grow.
Unfortunately for the Vox, the initial promise of eternal expansion that the galaxy promised became stymied. Contact with another alien race occurred shortly after landing on an unusually pristine world. Within a day of landing on this world, an ancient and highly advanced species contacted the Vox letting them know that world was holy to them and there would be consequences if the potential colonists were not immediately removed. Terrified to learn there were other interstellar races, and some much more powerful, the Vox chose discretion and bypassed that world. The Vox soon learned that this new species were very isolationist, and so long as their holy sites were left alone were willing to ignore the Vox. The Vox paid no attention to their real name, and simply referred to this species as The Spiritualists.
The Vox continued to expand, but more cautiously now with the knowledge that if there is at least one other interstellar power in the galaxy there are probably more. Expansion however had to take a halt as a rogue group of Vox turned pirate and began attacking outposts. The first Vox interstellar fleet was formed to combat this menace. While interstellar combat was a new experience to the Vox, they soon learned how to build and use interstellar combat vessels and quickly eradicated the pirates. When the survey ships soon detected space based lifeforms the fleet was sent to eradicate this potential alien menace.
Researching evidence from long lost species identified the location of a mythical planet that is unusually habitable. The coordinates given for this planet turned out to be not that far away from Vox Star, just to the east, however it was on the other arm spiral and not easily accessible. The only known route to this was through The Spiritualists territory, which was closed off to all outsiders. Eager to reach this potential planet, and to learn more about their part of space the Vox sent one of their survey ships out into deep space on a mapping mission. Instead of surveying each system entered like normal, this ship simply went from system to system mapping out the hyperlanes partially to find a route to the mythical planet, but also to plan out their plans for future expansion.
Contact with other species happened quickly due to this mission. 2 primitive races were discovered, and contact with another space faring civilization on roughly the same technological level as the Vox was established. The new space faring race was similar to The Spiritualists in that they mostly wanted to be left alone and while they did expand, were not extremely expansionist. Again the Vox ignored this new space faring races real name and simply referred to them as The Isolationists. Both the Vox and The Isolationsists agreed that they didn't want anything to do with the other and simply closed their borders and tried to pretend the other didn't exist. While the Vox found the 2 primitive races to be disturbing to look at, they did set up research stations to passively study them.
While the mapping ship was successful in finding new species, hopes of finding a route to the mythical planet were dashed as it tried going around the long way around The Spiritualists territory and ran into a 2nd ancient advanced civilization. The Watchers, as the Vox dubbed them, were content to watch the events of the galaxy unfold and had little regard for the Vox. With their borders closed, and their territory extending to the core there was no way to reach the mythical planet except by going west around the entire circumference of the galaxy. An attempt was made anyways however the Gargassi Commonwealth was reached which closed off further exploration to the west.
Knowing now the boundaries of unclaimed space available, the Voxar Empire began making plans for conquering their neighbors, The Isolationists. While having some experience with war in the depths of space, the Vox were unfamiliar with fighting Xenos, especially on the ground. By a fortuitous coincidence though, one of the primitive races made a technological leap and began launching primitive space vessels into orbit of their planet. Concerned about the possibility that this species might soon become an interstellar power, the Vox decided to conquer that planet as practice for the planned invasion of The Isolationists. The primitives were naturally no match and soon surrendered to the mighty Voxar Empire. After surrendering the natives were quickly exterminated and Vox colonists appropriated the planet for their own use. The 2nd primitive species was then also invaded and soon extinguished as while they were much more primitive and there was no chance of them becoming a threat by developing space travel, the Vox decided that since the planet was very habitable that the benefits of colonizing it outweighed the benefits of researching it. This species was soon conquered and also exterminated by their Vox overlords.
Confident in their combat prowess, the Voxar Empire declared war against the The Isolationists. Their forces easily crushed The Isolationists fleets, laid waste to their planets, and soon forced them to into a treaty. The Vox however were unused to the intricacies of interstellar negotiation and although the Vox had conquered every one of The Isolationists planets, The Voxar Empire only obtained one inconsequential system from the entire war. The Vox Emperor was further enraged to learn there was no way to disregard the treaty and simply continue to the war. The Voxar Empire marked the time the treaty would expire and continued to spread into unclaimed territory as quickly as they could until then. During the 2nd Isolationist war the Voxar Empire again crushed The Isolationists and made certain this time to claim all their planets. Again The Isolationists were brutally crushed in combat and this time the Vox made certain that every planet colonized by the The Isolationists were conceded to the Voxar Empire. As soon as the transition of power was complete the Vox extermination squads made certain that the new worlds were cleansed for the new Vox colonists to move in. The Isolationists were soon extinct.
With the end of The Isolationists, the first golden age of the Voxar Empire began. New technologies were gleaned from the wreckage of The Isolationists. An ancient gateway was discovered, though it was unusable. More importantly some wormholes were discovered and their secrets uncovered. Passage through one lead to unclaimed system in the far North East of the galaxy. Despite the distance, a science vessel was sent to find a route to the mythical planet. Although signs of many other empires were found in the north, the east was surprisingly empty and a path to the mythical planet was found. A colony vessel was sent and the mythical planet finally colonized successfully. However while it managed to be self sufficient, direct contact the newly established eastern sector was lost as the far end of the wormhole was claimed by the nearby Empire of Myrria. Given the distance from the wormhole end to the colony, the Voxar Empire didn't feel it was worth fighting over to maintain contact. Focus was spent on quickly expanding their territory through all systems available. Specifically in the west where plans were drawn up to attack and invade the Gargassi Commonwealth. Technology made incredible advances during this time, including jump drive technology and also learning how to reactivate the ancient abandoned gateways.
Jump drives partially reconnected the two sides of the empire, though it was awkward. However the ability to reactivate gateways, made an unclaimed gateway in the north east a potential way to permanently reconnect the two sides of the growing Voxar Empire. Although it was closer then the original wormhole the Empire of Myrria since controlled, the Empire of Myrria's border was closer to the gateway then the Voxar Empire was. A massive push was made by the Vox to extend their borders to include that gateway. While it was close, the Empire of Myrria managed to take control of a system that was the only route to the gateway system. Not wanting to disrupt the planned invasion of the Gargassi Commonwealth, but wanting to reconnect their empire, the Vox immediately laid claim to the system and attempted to negotiate peacefully for the system. The Empire of Myrria refused all reasonable offers so the Voxar empire declared war and invaded. The Voxar Empires initial push was successfull in eliminating many of the Empire of Myrria's outposts and even bombarded some of their planets. However the Empire of Myrria's navy managed a successfull counter attack that managed to eliminate the attack force. Enraged, the Vox used to jump drives to send the entire fleet they had been building up in the west to attack the Gargassi Commonwealth to the north east. Even with jump drives, it took awhile for the full force of the Vox Armada to reach the Empire of Myrria but when they did, the Vox destroyed all of the Empire of Myrria's fleets and bombarded their planets into submission. The Empire of Myrria surrendered, losing not only the single system the Vox wanted but a few more as a penalty for not being willing to negotiate in the first place. The gateway was restored and the majority of the fleet used it to return to the west while a portion stayed in the East for defense.
Although the war against the Empire of Myrria was successfull, the losses sustained fighting it meant that the planned invasion of the Gargassian Commonwealth would have to be postponed while new ships were built. While the Vox fleets were being replaced and upgraded news arrived about extradimensional invaders called the Unbidden. The Voxar Empire was naturally concerned about this news, but on seeing that the portal was at the far north of the galaxy, about as far away from the Voxar Empire's borders as could be expected, the Vox decided that they would ignore the Unbidden for now and allow them to attack and weaken the other races. Thereby allowing the Vox to conquer these races and then deal with the Unbidden themselves only after the borders of their empire reached them and the Vox were powerful enough to deal with them. A third ancient race, the Protectors, announced to the galaxy that they would deal with this threat and offered the younger races to join them. Some did, however the Vox refused, confident in their own military prowess and distance from the threat to keep them safe.
Soon the invasion of the Gargassi Commonwealth was ready. The ships had been built, the armies mustered, the systems claimed. While the official declaration of war was being prepared, reports of an attack on the east reached the Empress on Vox Prime. Surprised as no declaration of war had come from the Empire of Myrria or it's neighbor the Sovereign Hiran nations, it was soon discovered that the attacks were coming from the Unbidden themselves. In the eastern section of the empire, in the Tau Ceti system, a wormhole had been discovered that led to the Aruz system in the far north. Given that this system was within the territory of other races the Vox did not want to fight yet, the Vox had built a battle station to guard against invasion and then forgotten about it. The Aruz system though lay only 2 hyperspace jumps east from the Errai system where the Unbiddens portal had appeared. The Unbidden had found the wormhole, traveled through it into the heart of the Voxar Empire, and easily cushed the battlestation guarding it. The war against the Gargassi Commonwealth was put on hold and the reserve defensive fleet in the east was quickly sent to contain the threat before the unbidden spread too far through the Voxar Empire. The reserve fleet was no match for the might of the Unbidden and was quickly destroyed as the Unbidden began spreading out from the Tau Ceti system.
Terrified of this new threat, the Vox canceled the invasion of the Gargassian Commonwealth and flew every combat ship available to the area that the unbidden had taken from the Voxar Empire and began the construction of more. Although these fleets were better equipped then the reserve fleet, they too only managed to slow down the Unbidden and were unable to truly stop them. The unbidden soon managed to take enough systems that all hyperspace travel between the north and south parts of the region was cut off. With no shipyards in the south, the Vox began building as many as the could in that region. Desperate, The Vox ignored any sense of fiscal responsibility as they began pouring out ships on both the north and south as quickly as they could in order to stem the tide of the Unbidden. The Vox eventually learned that by placing their fleets right on the hyperlane exit, that they had a better chance of not getting overwhelmed which stopped the Unbidden expansion, however losses were still high and the Voxar Empire was quickly burning through their reserves to keep the Unbidden penned up in the 8 Vox systems they had taken through the wormhole so far.
The Protectors occasionally sent fleets to combat the Unbidden, which did help, but not enough to allow the Vox to retake their lost systems. The prognosis didn't look good until a new technological breakthrough allowed the Vox weapons to be particularly effective against the Unbidden. This turned the tide and allowed the Vox to finally begin to push back the Unbidden though progress was slow. Eventually 6 of the 8 system were reclaimed and hopes were high that the Unbidden would be pushed back through the wormhole, when the deficit spending the Voxar Empire had been running since the Unbidden pushed through the wormhole caught up to them as they ran completely out of resources. The imperial coffers were now empty, and all sectors had been drained as well, with no funds new ships couldn't be built and the lack of maintenance would greatly affect the current fleets ability to fight.
Although all the sectors had been drained of resources already, one of them had brought back a very minor store of a few thousand credits and minerals. The Vox immediately shutdown all research, including all research stations across the entire empire. Despite this the massive amount of fleets necessary meant they were still running at a deficient. The Vox then redistributed the few funds available and pushed against the Unbidden as hard as they could. It was close but they managed to force the Unbidden back through the wormhole before running out of funds again. By having only one possible direction of attack to defend against instead of multiple, the Vox were able to decommission enough of their fleets to be financially stable while still being protected from invasion.
The Vox began to lick their wounds, carefully restarted their research programs, rebuilding the decommissioned stations. They were especially careful though to make certain to restock their depleted resources while keeping enough ships guarding the wormhole to prevent further invasions. Eventually though, the stores for both the empire and the sectors was high enough that the question of what to do came up.
Initially the Empress decided that attempting to attack the Unbidden through the wormhole was too dangerous, that the best option was to take a number of planets from the Gargassi Commonwealth as originally planned and use the resources from those planets to fund a campaign though the wormhole against the Unbidden. However this was risky as if the war was lost then the Voxar Empire might not be able to maintain the wormhole blockade. Eventually a report that the portal the Unbidden were coming through was relatively unprotected and that a quick decisive strike might finish the threat decided the matter and Voxar fleets were ordered through the wormhole.
The Aruz system on the far side of the wormhole was initially only protected by an outpost which was quickly destroyed. The Vox struggled to build their own starbase through the Unbiddens counterattack but the Vox managed to hold the Aruz system and eventually had a battle station to protect it. The Vox now had better intelligence on the Unbidden and learned that any strike against the portal itself would fail until every other system was cleansed of the Unbidden. At this point it was too late to go back and attack the Gargassi, the Vox now had to finish the war against the Unbidden.
Fortunately, the Aruz system not only had the wormhole in it, but was the only route to the Unbidden's territory in the east. By carefully dividing forces, the Vox were able to take all the Unbiddens territory in the east and preventing any reinforcements from coming in through Aruz. The Voxar Empire soon spread all the way to the western border of the Empire of Myrria. Now wasn't the time to invade them, but when it was the Voxar could now attack from multiple fronts.
The extra resources this new territory provided, along with further technological improvements, made the battles against the Unbidden much easier then they had been before. With the Unbidden cut off in the east, and the hyperlane north of Errai going into a cul-de-sac. The Voxar began the process of moving their forces around to block the eastern, southern, and western hyperlanes of the Errai system. The goal was to prevent the Unbidden from sending reinforcements as the Voxar conquered their territory.
The war took decades, maintaining 3 different fleets capable of holding back an Unbidden attack, one for each direction, stretched the Vox fleets. Even building as many anchorages as they could without interfering with shipyards or station defences the Vox were still running double the recommended naval capacity which made maintenance costs excessive. Having a 4th fleet to take out all their anchors and roaming fleets almost broke the Vox bank again but ultimately they managed to do so.
The end of this long war was finally in sight. Over a century had been spent on fighting the Unbidden but they were now truly contained within a cul-de-sac of only 10 systems, and the only way out to the greater galaxy blocked by the Vox armada. The Vox kept the unbidden trapped like this for a couple years for their stores to replenish again. Once ready, they built up to a total of 5 fleets capable of successfully destroying an Unbidden task force. 2 of these fleets snuck through the Errai system to it's northern hyperlane. One of these fleets stayed to guard the hyperlane and make certain no unbidden retook any systems, while the other began the process of cleansing the rest of the northern cul-de-sac of any trace of the unbidden. This was a difficult fight due to the lack of reinforcements. Sneaking ships through Errai was not always successful and jump drives kept ships out of practical fighting shape for months. Eventually though, the cul-de-sac was clear and only the Errai system was left.
When the cul-de-sac only had one or two system under Unbidden control, Voxar intellgence detected a Protector fleet on a direct course for Errai. While the Protectors had occasionally thrown ships away at the Unbidden, they had been almost useless during the conflict that had been fought almost entirely by the Vox. The Vox were furious that after all the hard work they had done fighting the Unbidden that the Protectors intended to obviously fly in at the last second, close the portal themselves, and reap the rewards of the Vox's hard work. The Vox then intentionally held off on destroying the last anchor until after this Protector fleet attacked Errai and of course was destroyed due to the portal not being vulnerable yet. As soon as the Protector fleet was gone, the Vox destroyed the last portal and then swarmed in with all 4 fleets that had been blockading the Errai system. The Unbidden were quickly destroyed and the galaxy breathed a sigh of relief knowing that the Unbidden threat was finally over.
With the Unbidden war over, the Vox were able to begin expanding again. All the territory that the Unbidden had controlled the Vox claimed as their reward. None of the other races dared question this as it was obvious the Vox were now as strong, if not stronger, then even the ancient races. The secrets of the gateways were discovered and the Vox began building their own gateways at key locations in order to quickly move ships through their space without the limitations of jump drives.
Soon the Vox had built up their new territory and began looking out over the galaxy as to where to expand to next. By this time there were no systems anywhere in the galaxy that wasn't claimed by one race or the other. That meant if the Vox were going to expand, they would have to go to war. The obvious target was the Gargassi Commonwealth, still sitting on the western border of the Voxar Empire. Their systems still claimed in preparation of that aborted war. Fleets were moved back to the old staging area and ground troops prepared for the invasion.
Before the war against the Gargassi Commonwealth could was declared though, the Watchers warned that the Gargassi Commonwealth was their ally and a war with either would be a war with both. While the Gargassi themselves were not a threat, they knew that the Watchers could be a problem. Most concerning was the fact that the Watchers territory was now in the middle of the Voxar Empire and they could do some serious damage. Especially if the battle was close then the Gargassi could come in from the west and take some valuable planets including the staging areas.
In the end the Vox decided to test themselves against the Spiritualists first. The spiritualists had continued to remain closed off from all galactic affairs, even ignoring the Unbidden. They had no friends or allies in the galactic community so the Vox knew they could fight them alone without fear of allies coming in from the side. They also had quite a large number of very valuable planets they were still worshipping and letting go to waste.
Battle plans were drawn, lines of defense established, fleets and armies positioned, then war was declared. The War against the Spiritualists was not long, but it was violent. Being in the heart of the Voxar Empire, it was impossible to guard all the hyperlanes in and out of their territory so the Vox didn't even try. Instead the Vox made a blitz for all the Spiritualists planets. The spiritualists counter-attacked by taking lightly defended systems on the far side of where the Vox fleet was coming in. The Vox let them do so, confident that they could take them back later. Concern grew high though as the Spiritualist fleet started to head towards the Vox Star system but turned back when bombardment of their homeworld commenced.
The Vox diplomat who was sent to treat with the Spiritualists was ordered to obtain an unconditional surrender from the Spiritualists. He meant to do so, but since the Vox were not very familiar with interstellar protocols, another faulty treaty was signed. This treaty accidentally left the Spiritualists with one planet. The Vox Emperor was incensed and demanded the diplomats head but there was nothing that could be done. The Vox began building up the worlds they know controlled, including those long left fallow as holy worlds, into efficient and productive factories for the Vox war machine. More importantly, it made the Vox confident that not even any of the ancient races were a match for them. The very day the treaty with the Spiritualists expired the Vox invaded and quickly conquered their last planet, extinguishing them.
The Vox then began to refurnish their ships preparatory to invading the Watchers. The Vox knew once the Watchers were eliminated then there would be nothing to stop them from finally conquering the Gargassi Commonwealth. However before war could be declared, the Protectors declared that the Vox were as great a threat to the galaxy as the Unbidden had been and vowed to eliminate them and began attacking the systems the Vox had taken from the Unbidden. Fortunately with their gateways the Vox were able to quickly redeploy their fleets and counter attack. The Protectors fleets were quickly eliminated and the Vox then swarmed in and began taking all their systems. While the Vox managed to steamroll the Protectors space fleets, the ground invasion of the Protectors ringworlds were a greater problem. Despite this though the Vox managed overwhelm the Protectors ground forces and claim their ringworlds for their own.
Now the undisputed masters of the galaxy, the Voxar Empire felt it was time to sweep the galaxy clean of all xeno's. The first target on the list, the cursed Gargassi Commonwealth that had managed to avoid keep narrowly avoiding extinction by centuries now. While sending their fleets to the old staging area the Vox emperor remembered about them being allies with the Watchers. Checking alliance standings though the Voxar were shocked to find that both the Gargassi Commonwealth and the Watchers were vassals to the Voxar Empire. Apparently the Watchers had joined the Protectors and when the Protectors were conquered both of the other races automatically became part of the Voxar Empire. Realizing that as vassals they could help speed up the extermination of the galaxy faster the Vox decided to spare both of them for now. They would of course eventually be wiped out, after all the Vox weren't ones to share space with anyone. But since there were no others capable of matching their power, it was just a matter of time before the Vox were finally alone in the galaxy.
submitted by donkyhotay to Stellaris [link] [comments]

[CiV VI] I've compiled my Ideas, and many of those I found throughout the sub, to create the ultimate Civ VI wishlist!

I appologize in advance as this post is offensively long. I mean, it's 5000 words with no TL:DR, so abandon all hope all ye who enter. I believe it covers all of the most common suggestions, and I've tried to make it all a little bit more out-there for the sake of flavour, but alas, please roast me merrily and have a lively discussion in the comments! Without further ado...
Musings; Ultimate edition
Tile Improvements
Transport
-4 Transport Improvements; Road, Railway, Highway and Maglev. These all have some difference in kind.
-Roads are the cheapest and the lowest tech, working much as they do in Civ V, but boosting yield on some adjacent improvements such as trading posts/towns.
-Railways have a limit on their distance from cities; about 5 tiles in the industrial era, increasing to 7 in the modern. This forces players to build cities closer together, and build the correct improvements, but railway benefits scale with population and aren't usable by enemy combatants.
-Highways work like a straight upgrade of roads, except they allow cities within 5 tiles along a highway to pool food and production yields, but produces 'pollution', which reduces "health".
-Maglev is a funky one for tech focused Civilizations. A maglev network connecting cities, irrespective of length, pools population(citizens available to work buildings), pools production and boosts science yield in both cities by ~30%, but otherwise functions like an expensive railway. Costs "energy" as well as about 4 gold per turn per tile.
-Rivers work like roads, but with no maintenance and provide gold. Great rivers allow ships to sail through. Workers can eventually dig canals which act as artificial great rivers, and tunnels can be bored through mountains through which Railways, Highways and Maglev can travel.
-Le Mountain Tunnels and pontoon bridges/undersea tunnels.
Yield Improvements
-Farms, Wells, Mines, Lumber mills, Plantations, Pastures, Camps and Quarries all work much the same as before, however Mines, Wells and Quarries produce 'pollution' as well as production.
-Windmills and Watermills(by rivers), which can be built on top of Farms and Plantations, provide a small yield of production at no 'pollution' cost. Upon research of "Electricity", they produce an "energy" yield.
-Once "Mechanization" technology is researched, the citizen assigned to a farm or plantation can be replaced with "energy" from appropriate buildings and improvements. The same is true for Mines, Wells and Quarries upon researching "Automation".
-Wells can be built to provide adjacent tiles with fresh water.
-Cottages double gold yield from surrounding tiles, provide 1 gold themselves. +1 gold with "Economics". Grow into Villages and then Towns which provide 3 gold base, 1 science, 1 production and 1 "energy", reduce crime and increase health.
Strategic/Military Improvements
-Forts can't be entered by enemy units without attacking. Area around forts are considered area of control, and give a land claim for a casus belli. Can upgrade to a military base, giving it an aircraft capacity and healing adjacent friendly units.
-Add sentry turrets, which are effectively stationary units which can attack enemy units. Available on Ballistics, can upgrade on Robotics to attack autonomously, Rocketry to be able to fire rockets to destroy tanks.
-Can build walls which provide a combat bonus to units inside, and drain movement points, as well as "outposts" which heal units in adjacent tiles.
-Some units can build trenches and lay mines(requires "Gunpowder") which provide a defensive bonus/act as traps.
Cities and Colonies
-Global happiness replaced with city level "health" and "stability", which affect growth, "bandit" spawn rates and likelihood of rebellions. A city with very low/negative health has a chance of spawning a plague, which behaves almost like a Civ V religion, spreading to other cities via pressure from proximity and trade routes, however plagues can also infect units adjacent to an infected city, which can then infect other cities and units and so on and so forth. Stability is reduced the greater the minimum travel time from the capital to that city.
-Workers can build districts adjacent to the original cities, which act as an extension of the city, reducing "crime", increasing "health", as well as allowing that city to build contextual buildings and units of the suburb's tile. If the population of a city grows too large without extra districts then 'health' and 'stability' decreases, spawning "slums" which in turn spawn bandits. The district can be specialized to be a stability boosting suburbs, health boosting parks, production boosting fabrics/shipyards, money boosting financial districts, culture boosting theatre districts, science boosting science parks and (upon researching hydroponics) food boosting vertical farms. If you play it smart, you can build 10 tile, 100+ pop megapoli by the end of the game.
-From the renaissance era, 'colonists' (super-fast, cheap settlers) can found "colonies" as well. Colonies increase cost of techs and policies by ~75% less than normal cities and grow twice as fast, but have much less defence. They can't (initially) build any buildings, nor build units with production, but can spawn militiamen and mercenaries. All of their production goes into "levelling-up" the colony, from 0 up to 20~25, having at around level 15 the option to turn it into a proper city. At each level you are presented with a "random" dynamic event and options on how to handle it; the options you choose affect the direction your colony takes and the characteristics it has. For example; "Catholic refugees fleeing the Malian inquisition are huddled outside the gates, what is our course of action? Do we; let them in (+1 population, -1 health, +2 diplomacy FP), turn them away (-1 diplomacy FP, +2 food), or offer them refuge in exchange for military service (+1 military FP, a maintenance free unit appears, -1 food). By level 25, 25 of these decisions could have been made, and the colony would have an array of special attributes. But high level colonies would carry a large risk of spawning rebel units, so it's worth converting them to cities (which start with an array of buildings) anyway.
Diplomacy
-Casus Belli system; common complaint, common answer. Appropriate and adapt from paradox games. Potential cases include land claim (using forts and spies), espionage offence, liberation (low approval), holy war, ideological conflicts, imperial conquest, resource acquisition, diplomatic offence et cetera. All of these will reduce warmonger penalties with certain Civs for certain actions but aren't a get away with murder card.
-Ultimata; Currently, there is no facility to threaten other civilizations. Ultimata remedy this and work thus; I demand something from another Civ in exchange for NOT declaring war. If they refuse the I automatically declare war on the next turn.
-A focus points system. Civ actions, such as War, Threats, Wonders, Technologies, Trades, Quests and Civics earn focus points in Science, Economy, Religion, Culture, Military or Diplomacy; These give diplomacy bonuses, allow access to special quests, and allow special actions.
-Taunt leaders back. This can give focus points.
-7 types of non Civ actors; City-States, Nations, Tribes, Corporations(get to that later), Rebels(Specific-Hostile) and "Barbarians/Bandits"(Hostile).
-City-States work much like they do in 5, except gold gifts are worth much less, and special quests and focus points are worth much more, and influence is instead 'spent' in order to gain things like world congress votes. Any allied city state can eventually be incorporated fully as a city. Eg. Florence, Milan, Singapore, Monaco, Malta, Honkers, Samarqand, Dubai, Abu Dhabi, Ife, Great Zimbabwe, Mombasa, Zanzibar etc. Limited to ~9 tiles.
-Nations are like stripped down Civilizations; a halfway house between city states and full blown Civs. Limited to 4 cities, which must be contiguous, they offer a medium for proxy wars, advanced diplomacy, breakaway states and buffer states. They also conveniently add filler to the map, and can represent small or "failed" nations. eg. Scotland, Texas, California, Belgium, Wallachia, Aragon, Manchuria, New Zealand etc.
-Tribes are an overhaul of Barbarians; Instead of automatically hostile units spawning from encampments, tribes act sort of like city states with no cities. They have territory, in which they have villages which occasionally spawn primitive military units and only primitive military units. There are no penalties for entering tribal territory as long as you aren't seen by any units, and you can even settle on top of their land. However, within these lies a moral choice; do you overpower tribes and take their land or try and bargain with and incorporate them peacefully?
-Rebels are units which spawn in cities with a low 'stability' stat, and are always hostile to the Civ in which they are spawned. The 'strife' can be increased by enemy spies, ideology, large numbers of unemployed citizens and lack of gold/science buildings. If rebels capture a city, then they make a new 'Nation' or city state which can be bargained with like any other.
-"Bandits" are the new Barbs, but as well as spawning in encampments they spawn in slums in civilized territory in response to overcrowding. They are more money focused in that any tile with a bandit unit on it yields negative gold per turn, and will set up their own improvements such as traps and dens. Can perhaps change name based on era and context (eg. Barbarian, Bandit, Pirate, Terrorist, Savage, Gangster, Mobster, Highwaymen etc).Their spawn rate inside Civs is reduced by presence of police buildings.
-InfoAddict style information screens. Graphs for days! Also displayed are opinion modifiers, and the factors determining whether a Civ will accept any particular deal. Less hidden mechanics.
-Ideology has more impact on diplomacy, with significantly different mechanics associated with each (get to that later), and being an extremely significant maker and breaker of relationships.
-Add Chemical, Biological and Radiological weapons which carry a very significant diplomacy penalty, along with nukes.
-One can choose to disobey resolutions or leave the world congress, incurring a large diplomatic penalty.
-Establish pacts with nations and city states.
-Can buy tiles from other actors.
Tech
-A less linear tech tree, starting off with a "core" set of techs arranged as they are but with cul-de-sac "branches" coming out of later eras, offering interesting technologies; broadly on spectrum from futuristic to retro-futuristic. The techs that all players need would all be in the core so they didn't have to specialize too much, but there would necessarily be a lot more techs. The ones further out on branches would only really useful for players either aiming for a Science victory or aiming for a specific bonus.
-Civs are able to divide research, researching multiple techs at the same time, utilizing special specialists (heh) called scientists. Much like trade routes in BNW, each era would allow a certain base number of scientists, and then things such as wonders, city states, research agreements, social policies and such would add on to that. Scientists would each be able to research one tech at a time, but multiple scientists (up to -3~4) could be set to research the same tech at an accelerated rate. The rate at which scientists could research stuff will depend on several factors. Each could utilize the entire Civ's global science output, in addition to their home cities' science output and more beakers proportional to extra allocated gold. Scientists would be based in a specific city, and would use up ~3 food, ~3 base gold, and require certain buildings to be able to research techs at certain levels; Libraries for anything beyond the Ancient Era, A University for anything beyond Medieval, A Laboratory for anything beyond Industrial and so on. It would be most efficient to put lots in your capital, but you wouldn't necessarily have the food to do this. Having lots of extra scientists would not be worth the effort if you don't want to have a science victory, and having lots impairs your Civ in other ways. This is an effective nerf to tech, which otherwise is inherently OP.
-New science buildings, such as Particle Accelerators, University Hospitals, Pharmacy-labs, Space-centres and the such in the late game. These would allow new lines of the tech tree, as well as providing bucket-loads of science, for a high price.
-'Rationalism' perhaps split into two different policy branches, Rationalism and Ingenuity. Rationalism is best for tall/tech defence, augmenting the ability of cities to make and use science. Ingenuity best for wide, improving use of strategic resources and reverse engineering other Civs tech i.e. tech offense.
-Research agreements allow one Civ greatly accelerated research into techs already researched by the other Civ, and a boost in global science output equal to that of the smaller Civ, and a two-for-one (maintenance wise) on two of their own scientist. When the agreement ends both players get a one-time tech boost.
-High level spies can be used to take enemy scientists during a time of war.
-Being allied with city states and minor nations allows you to initiate research agreements with them free of gold charge.
-11/12 eras: Ancient, Archaic?? , Classical, Medieval, Renaissance, Enlightenment, Industrial, Modern, Atomic, Information, Genetic/Space and Synthetic eras. Science and Diplomacy win in Synthetic. Cultural in Genetic at earliest. Domination is Domination.
-Revamped Science Victory. Perhaps, Instead of building a spaceship using Information era tech, you have to do special quests. Maybe upon researching a tech in the core of the Renaissance or the Enlightenment , you are alerted to the presence of a special quest for you to follow, and that other such quests are available upon researching specific technologies, which are located far out in the branches of subsequent eras, where non-science Civs daren't tread. The quests could range from "complete this national wonder", to "City state X has this item, acquire by any means necessary", to "Conduct a special research mission at X location". These quests would give special rewards, but would also give you items (all of which) you need to complete the science victory, possibly with an interstellar mission, maybe first contact, possibly artificial intelligence, I don't know. Stick with tradition; an interstellar mission.
-More rubber banding in tech. "Core" technologies that have already been discovered by a met civilization will take ~40% less time to research, and units have a chance of "discovering" a technology when killing advanced enemy units or taking the city of a technologically superior foe.
Late Game Horrors
-Endgame apocalypse scenarios. In the late atomic era players would be notified of the possibility of a coming endgame scenario. There would be a set number of scenarios that would be presented, each with a different probability of advancing. The scenarios would begin at the start of the Information era and progress through different levels of increasingly severe effects. There would be runaway global warming with rising sea levels, desertification, flooding and such the like. A new ice age with falling sea levels, glaciations, deforestation, ecological collapse and so on. Then there could be Atmospheric Toxicity with algae blooms, poison winds, ozone holes and other ghastly stuff. Players can then either concentrate efforts to reverse the cataclysm, to the joy of weaker Civs and nations; or simply withstand it, much to the dismay of those you could help, using dome cities and similar. Perhaps persuading other Civilizations, Nations and City States to unite in efforts to prevent the cataclysm could become the new diplomatic victory. Beats buying city states.
-Nukes become far more terrifying. Each nuke deployed would advance the endgame scenario significantly. To add to this, one nuke hit would turn any city district into a "Nuclear ruins" which spawns special Barbarian units called "Antmen", which drain health of all adjacent units and city districts. Fallout would prevent any food yield and pillage all tiles affected. Some splotches of fallout may end up all over the world in random places.
-Nukes could be set to Dead Man's switch, meaning any nuclear attack on that Civilization would cause any nukes set to dead man's switch to fire at the belligerent's cities
Civics and Social Policies
-Add the quest system from IV and BE, as well as the quest decisions and such from the above two games and a splash of random event decisions from paradox.
-In addition to Social Policies like in Civ V, have Civics which are a set of Binary choices taken ~2 times per era. These would be things like: Collectivism versus Individualism and Citizen Army (low maintenance) versus Mercenary (low production) in the early game, and Religious School versus Secular School in the late era, for example. These are the things ingrained into your Civ's culture.
-Civs are given a "home turf" bonus depending on the terrain they spawn in. A Civ that spawns with more than 12 hills or desert tiles etc. within 3 tiles of the capital will gain a combat bonus and yield boosts relevant to that terrain type.
-Ideologies, like those in BNW, stay, along with their "tenets". However, a new layer is added; "Internal Diplomacy" including an 'Election/Party' system for freedom, a 'Soviet' system for order and a 'Faction' system for autocracy.
-In Civs following freedom, every few turns there would be an "Election" which would give 3 different parties, loosely modeled around Traditionalists/Conservatives, Liberals and Populists/Socialists, a certain amount of weighting/representation. Any particular action would have a certain approval with each party, and total approval (from all parties) gives bonuses or penalties. If total approval is at +80 then you are effectively in a mini Golden age. Less than -50 then you face civil disobedience and mass protest. For example, if you want to raise taxes, a large number of "traditionalists/conservatives" will make you pay, while a large number of "populists/socialists" will cheer you along. The representation of each party is dependent on several factors; large numbers of faith buildings and religious followers will help "traditionalism", culture buildings and high GPT would boost "liberalism", lots of factories or poor GPT helps "populism/socialism", gold buildings reduce "populism/socialism", and a Random Number Generator throws a boon to anyone going every few turns when there's an "election". The weighting of the RNG also throws back to the civics/social policies one takes in the early game; tradition helps traditionalists, liberty helps liberals and so on. Other social policies may change the Parties' opinions on certain actions; honour, for example, reduces opposition to war.
-Order Civs have three 'soviets' in place of parties; Industrial workers (hammer), Agrarian Peasants (sickle) and Intellectuals (pen). Any action you take will reduce or increase "contentment" of each 'soviet'. Contentment of peasants affects food/growth, Industrial affects production/gold, and Intellectual affects science/culture. There are no 'elections' as with freedom, but weighting of the three soviets will depend on the amount of farms, factories and universities; if you don't have any farmers on the land you don't have to pander so much. Every ~10 turns, each soviet will set a quest (5-year-plan) such as: build a university in every city of population >6, secure a source of 6 unique luxuries, gain 10 population in X city and so on. Fulfilling these objectives will gain a boost to yields relevant to the soviet, as well as a quest decision, whilst their contentment will decrease if you fail the objective. Whilst at war these objectives are suspended. If you consistently succeed, gaining contentment and Great person points, then you get special great people called "Stakhanovites". Peasant Stakhanovites can found "ration" districts which expand the closest cities workable radius by one tile around them and boost growth by ~35%. Worker Stakhanovites can found "studio" districts which produce 10 hammers and increase build rate off units or buildings by 30%, and Intellectual Stakhanovites can produce a "Institute" district which boosts city science by 50% and culture by 40%, and gives a free scientist. They can also be expended to found a city with a full suite of growth, production or science buildings, or can found 'Order' corporations. Using Stakhanovites gives massive boosts to tourism, stability and "contentment" of the soviets.
-Autocracy Civs instead must accommodate three 'factions'; the Generals, the Oligarchs and the Ministry. This, necessarily, is quite different to the others. The Generals become restless after long periods of peace, potentially sparking rebellions and mutiny, and so Autocratic states must be at war regularly or else the generals will reduce production, stability and culture. If one fails to acquire new resources and expand gold yields then gold, science and health are massively reduced. The Ministry is responsible for counter intelligence success and food yields, and failing to chastise offending civilizations and build new units causes growth to stunt, stability to decrease and spies to begin leveling down. Autocracy Civs can however by default work a greater radius around their cities, have no penalty for annexing territory, and get replacement workers called Labour Fronts which are quicker, pay no unit maintenance and can fight as a melee unit if enemy soldiers are within the Civ's territory. These are earned through keeping the ministry happy, along with bonuses to great people generation and shorter periods of resistance in captured cities. Keeping the generals happy provides combat bonuses, as well as increased stability and spawning of "Troopers" which are up to date military units free of maintenance with a combat bonus against rebels, enemy units in friendly territory, and units belonging to Nations and City States. Keeping the oligarchy happy will result in the spawn of Autocratic Corporations, and will give conquered cities free gold buildings.
Corporations
-Corporations behave like little city states (with no territory or cities), and can undertake many different projects with you. Depending on the corporation, they may be able to research technologies which you can then use, build buildings in your cities (some of which are unobtainable any other way), build and maintain improvements (some of which, again, are unique to corporations), spawn unique great people, field a private military/security force to use against barbarians, man culture buildings, establish trade routes and practically anything else. There are several types; tech-based corporations which help with science and give scientists, entertainment/travel corporations which help with culture and tourism, manufacturers which boost production etc. The catch is that you must attract corporations to set up in your cities by following policies which are friendly to them (low taxes) and having buildings and improvements which help them, such as banks and stock exchanges. Tech corporations want universities and labs, Pharmaceutical corporations want lots of unimproved tiles (especially jungle). Trade agreements and diplomacy also attract corporations and allow corporations to operate in multiple Civs to share luxuries, gold, science and culture; however the majority of the benefits go to the Civ with the corporate headquarters. Of course, different ideologies and tenets will be able to reap the benefits of corporations more efficiently. Freedom Civs are the natural choice for taking advantage of corporations, whilst Order Civs have a much harder time; they can only gain their own corporations using special great people. The rough order is; Freedom (Optimal), Freedom, Order (Optimal), Autocracy (Optimal), Autocracy, Order. With the right tenets, Order is decent for Corporations (China), whereas Autocracy locks you in to a kind of Autarky, whereby corporations are nigh impossible to attract if not created by Oligarchs.
Gameplay Tweaks
-Maps are largetiles are smaller; allow Civs to build extremely dense populations without feeling cramped. Countries such as the Netherlands, or England, if put directly into Civ V would effectively be 10 tiles of nothing but cities.
-The vast number of notifications you get when it comes to the late game would be condensed into a "newspaper" which can be opened up and browsed for updates, rather than crowding your screen. Stories could be things like: "Owing to brilliant contributions to the research of Theology, Gottfried Leibniz has emerged as one of Medieval America's greatest Scientists!" and "King Alexander of Greece has completed the construction of his great Porcelain Tower!".
-Ranged Units, Civilian Units, Infantry Units and Cavalry/Siege Units can fit on different "layers" in each tile. Each unit more than the 1st uses 1 food. If they consume more food than the tile can provide, and they are outside the workable radius of a non-starving friendly city, then they suffer attrition damage.
-Addition of more Biomes. Gameplay-wise, there would only be the usual terrain types. However, some forests may appear as bamboo forests, some marshes as swamps or fens, some deserts have red sand and cacti etc.
-Upgrade route for Scouts, going to Explorers and Recon units, as well as Snipers. Along with this: more customizability, and take out the "Great War" units, or put them earlier. Replace them with cold war era units, like Vulcan bombers, MIGs, "Choppers" etc.
-Allow helicopter units to land between turns, allowing them to "refuel". Also allow air unit's like bombers to conduct a "Hail Mary", doubling range and damage but destroying the unit, with a chance of recovering the "pilots" for quicker replacement.
-Incorporate the quest system/binary choices into religion: poly vs monotheistic etc. Just more customization in general. Allow cults to be founded with leftover beliefs once at the enlightenment era.
Espionage (Shout-out to litriod)
-If you put a "spy" into one of your own cities, they become an Agent, which work much like Civ V spies who are set to Counter-Intelligence. They will hunt foreign Spies in the city you send them to, but they won't necessarily kill them when they find them. Instead you are given several actions to choose from; Kill the Spy and send them back to their homeland as a warning, resulting in their leader disliking you, but other nations will then dislike them for spying on people. You can also send them home unharmed, and chastise their government for spying on you making the other Civ like you more for sparing their spy, but they'll send more your way in the future. Or you could allow the Spy to continue their job, with a catch; The Spy's government must pay you gold, you gain some of their intelligence, but the Spy will continue Spying on your people, and your Agent will not level up from the incident.
-When you place a spy to a Friendly Civ's city, they become a Diplomat. Diplomats aren't hidden like Spies, and the foreign government always knows their location. Diplomats give you the ability to see all of the territory owned by the city they're in, not just the two rings around the city. Diplomats will also receive information from officials about events in their empire, working like the Spy's surveillance ability. However, the foreign officials won't give you unlimited Intel, and will inform you if they're plotting against you. Diplomats can allow you to trade World Congress votes with the nation in which they're operating, and each Diplomat you field will give you 1 bonus vote in the World Congress. When war is declared on the civilization housing the diplomat, they may be killed in the crossfire, and your Diplomats are at constant risk of assassination.
-Spies placed in a Neutral Civilization's city become, well, Spies. Spies work much as they currently do: they do shady things under cover, and they risk getting caught and treated by the other player much as you could've treated theirs, but you can of course sacrifice your spy and not pay the tribute if they offer you such. Spies retain their previous abilities: stealing tech and surveillance, but also gain three new abilities; Assassination Sabotage and encouraging rebellion. Spies sent on assassination missions can kill Diplomats from other Civs. If you pull this off their home Civ will blame the civilization in which they had a diplomat, and if there are already tensions building this could start a war. Assassination is a dangerous business though, and you could fail in one of two ways. Either your spy could get caught, making both Civs distrust you, or your spy could fail to properly frame the host Civ, alerting both Civs to a plot but not telling them who by. After a successful or botched assassination, your Spy will flee the city to the Hideout for a turn or two. The second new ability is sabotage, which, if successful, delays that Civs current construction project for 2 turns. The third special ability of the Spy allows you to decease stability and increase the chance of a rebellion, requiring a decent amount of gold to send to the rebels, with greater amounts increasing rebellion chance. If they actually spawn, or are there already, you can still spend money to better equip the rebel units. All this can be a tad awkward if you are caught.
-"Spies" in cities of Guarded or Hostile Civilizations, even if you're currently at war with them, will retain the title of Spy. Spies placed in these cities have a larger risk of capture, but they also have more potential for chaos. They retain their previous abilities: surveillance, stealing tech, spreading discontent, sabotage, assassination etc. but they also gain abilities for their assassinations and sabotage. Spies in this situation can also kill Great People and VIPs; If a Great Person is present you can choose to attempt a strike, killing them if you succeed. Choosing to target a VIP will, if they succeed, result in loss of 1 population and reduce production and stability by about 10% for 5 turns. Spies can also start an insurgency, suppressing production and health, or steal scientists.
-When deploying "Spies" to a City state or Nation, you can set them either as Diplomats or Spies. They can do everything they could when in a proper Civ, but diplomats can trade technology, and "Shill" to increase influence/relations. Spies can Rig elections, increasing influence significantly, and also perform Coups d'état to either annex, puppet, change the ally (swap influence with the State's ally) or Change the ideology of the host State. Spies can also siphon off gold from said states.
-Of course, "spies" can all be leveled up in their different roles.
CIVS(must-haves marked with *)
Europe
*Great Britain- Victoria
*France- Napoleon/Louis XIV
*Rome- Augustus CaesaMarcus Aurelius
*Germany- Otto von Bismarck
*Russia- Catherine/Peter I
*Greece- Alexander
Picts- Nechtan
Spain- Isabella
Portugal- Maria I
Yugoslavia- Josip Broz Tito
Poland/Commonwealth- Sigismund II
Austria- Maria Theresa
Hungary- Coloman
Kievan Rus'- Yaroslav' I
Sweden- Gustav Adolf
Denmark/Vikings- Harald Blatand
Ottomans- Suleiman Kanuni
Armenia- Tigranes
Americas
*USA- Abraham Lincoln
Lakota- Crazy Horse
Iroquois- Hiawatha
Mississippians- Birdman?
Inuit- Mikak
Navajo- Chee Dodge
Ute- Chipeta
Mexico- Benito Juarez
Canada- John Macdonald
Shoshone- Pocatello
*Aztecs- Montezuma
Pacal-Maya
Haiti- Toussaint L'Ouverture
Gran Colombia- Simon Bolivar
Brazil- Pedro II
*Inca- Pachacuti
Argentina- Juan Manuel de Rosas
Africa
*Mali- Mansa Musa
*Egypt- Hatshepsut
*Zulu- Shaka
Ethiopia- Menelik II
South Africa- Nelson Mandela
Carthage- Dido/Hannibal
Morocco- Abdul Ghalib
Ashante- Osei Kofi Tutu
Bornu- Idris Alooma
Fulani- Bello
Kongo- Lukemi lua Nimi
Kitara- Ndahura
Asia
*Arabia- Muawiya I
Babylon- Nebuchadnezzar II
Hittites- Suppiluliuma
Israel- Solomon
*Persia- Cyrus
Mughals- Akbar
*India- Gandhi
Gurkani- Timur
*Mongolia- Genghis Khan
*China- Yong-le/Wu Xetian
*Japan- Meiji
Vietnam- Trung(s)
*Khmer- Jayavarman II
Indonesia- Hayam Wuruk/ Gajah Mada
Chola- Parantaka I
Tibet- Songtsen Gampo
Korea- Sejong
Siam- Taksin
Pacific
Australia- John Curtin
Maori- Te Rauangaanga
Philippines- Dayang Kalangitan
Polynesia- Kamehameha
End
So, now that's all done. Now to the arguments!
submitted by voggers to civ [link] [comments]

XCOM: Asset Assualt

2035: Ethereals have suffered an immense defeat at the hands of XCOM. Their base had been raided by a mere force of seven operatives. They killed hundreds of ADVENT's soldiers, and it ended with very few casualties for XCOM. The Ethereals had tried to talk the to the Commander, but it was as fruitless as trying to fight the Human resistance outside of their base. Even when they tried to kill him with their metaphysical forms, their forms were still ended.
2038: After every remnant of ADVENT was wiped clean from Earth. XCOM's leaders founded a government to replace the ADVENT Coalition. John Bradford and the Commander were then known as the founding fathers of the Terran Republic. A government that was loosely based off the original United States of America, with the values of both social and economic libertarianism. Its first President was the Commander with Bradford as the Vice President.
2050: Psionics in humans grow in numbers in men. An unexplained event that happens when humans are exposed to elerium or other psionics. The Republic hired several Psi Operatives in to the DPS, which stood for the Department of Planetary Security. Most worked in the private sector, so they could manufacture alloys and synthesize elerium.
2060: Psionics increased to the point where it reached one in four for men. The numbers were even lower for women, which stood at one per every thousand. This mystery of disproportionate psionic power had no explanation to Earth's population. But the most common theory was that it had to do with better emotional control in men.
2077: An FTL experiment was preformed by Tygan-Shen Corporation. In which a wormhole was created at two points with an experimental Psi-Drive. Those two points led to various ends of the galaxy, which meant unlimited travel range for Humanity.
2093: Mass colonization efforts went underway on Earth. Hundreds of thousands of peopled set out for the stars to find more home for themselves. These efforts were funded both publicly and privately, with a hundred colonies being founded by the government. Many of the largest colonies were: New York II, New Los Angeles, New Detroit, and New Dallas.
2110: Alien base discovered on Mars. Found by Tygan-Shen Corporation's Hyperion Research Station's survey drones. A group of soldiers and scientists contracted by Tygan-Shen Corporation only found mention of a long lost alien civilization and a star chart. In that chart they found several dots that went through the radius of the galaxy. XCOM was given the coordinates to all the dots around the galaxy, they start with the one in Sol.
2118: Upon discovery of the relays, the Terran Republic mass mobilized ships. Over the past eight years ships were manufactured by Shepard Industries. By the end of their eight year contract, they had built 500 warships of varying classes. Twenty of these ships were expensive capital ships that cost as much as the Capitol Star Base each.
2151: First contact happened at New York II. These aliens called themselves the asari, and even announced they came in peace. But their emissary vessel was surrounded by cruisers until President Vladimir Yankovich greets them.
The President of the Terran Republic stood in the greeting room of the asari ship. His two psionic guards in powered armor by his side if anything went wrong. But these alien guests seemed to live up to their word, for now at least.
As it would seem, the design of the ship did not look like it was intended for warfare. Their designs were more artistic than militaristic, like the Oval Office in the Capitol Star Base. Though, they could still have ulterior motives for contacting Humanity.
This second contact could be the Second Ethereal War all over again. Which ended in Humanity having control of the most advanced technology in the universe. But wiped out over one-tenth the Human population of Earth when it happened. Then they formed the tyrannical, socialist state known as ADVENT.
These aliens could have the same intentions for Humanity. They contacted Humanity seeking advanced technology alone. Most likely, they had noticed the space time disruptions from human ftl drives on their telescopes.
But the President might have been acting paranoid, because telescopes can only detect disturbances that occurred years prior. It would have been detected thirty years after the event happened. A lot of time to waste watching the stars for something so trivial.
"These aliens sure do have a sense of style," commented Agent Richter with a look of fascination his face.
"Yeah. I can admit. They do have more of a style than us. In art. Not technology, we still hold that honor," replied President Vladimir.
It mildly bothered him that his bodyguards had a fascination with these aliens' culture. They should have been protecting their VIP, not ogling the aliens architecture. If they like these 'asari' they should revoke their Terran citizenship right then. It was the right thing to do for their species as a whole, this is human space.
One of the last things congress would have wanted were alien nationals walking in Human Space. His party would want him impeached if he gave aliens human technology as well. So as soon as the door opened in front of him, he would have to tell them Humanity was to stand on its own.
Humanity agreeing to any laws or treaties with them could prove politically disastrous. It could make humanity's status as a galactic power falter. As Aliens would gain access to human technology from agreements. Vladimir would never sign such an agreement when the time ever came.
Maybe the President was just getting ahead of himself. The aliens had not even shown their faces yet, and he was worrying about his people being politically screwed.
The whole meeting was just a wait in a well-lit meeting room. It was like waiting for an appointment for a doctor or psychiatrist. Never a very pleasant wait, as it felt like the President had been there for several hours standing.
The wide, oddly shaped door had opened in front of the President and his DPS guards. These aliens were different from the four-armed psychics they had expected. They were blue humanoids, with the shape of a human female. Instead of hair they had ridges that gave the Illusion of extremely short hair.
Some were wearing armor, while others wore futuristic looking clothing. Their fashion sense was very futuristic compared to the early 20th century traditionalism Humans were used to. But not extremely different from ADVENT's styling to say the least.
"What's with the heavily-armored guards? We've stated our intentions are not hostile," commented the Asari with a stern voice.
"I'm the head of state. Many people want me dead! Socialists, other radicals. Those nutjobs in our territory who rioted when I was elected President," stated Vladimir while he steepled his fingers.
"I see. What's ADVENT? Learning about other species is why I took this job," asked the Asari Diplomat sternly.
"An alien puppet government that ruled our race. Set up by aliens called the Ethereals. We overthrown them when we found out about their experiments. After the war, corporations used their tech. That's where we get these," said the DPS Agent who was showing the aliens his plasma rifle.
"Maybe we should make sure that weapon doesn't violate any Council weapons treaties. Can I have a look at it," asked the asari in armor.
"I'd have to respectfully decline, asari. We have no intentions of joining the Council in any capacity. So, those laws don't apply here," replied Vladimir Yankovich in a stern tone.
She looked disappointed, Vladimir could tell by her facial expression. Even some hints that he may have been a little condescending. But why should he worry, they were more worried about not having humanity in their galactic clubhouse anyway.
"I see. I can respect that you want to put your species first. After every thing that happened in your history. But it's short-sighted," replied the diplomat.
"Short-sighted? You have nothing that we don't already have. We've got better weapons tech. So, in-terms of military we can stand on our own. So how am I short-sighted," the President explained calmly, as he steeples his fingers fingers again.
"I can see why you think that way. But how taxing is your military? That type of high-tech army must cost you countless credits," replied the diplomat.
"Credits? Humanity uses Terran Republic Dollars," he said as he pulled a thousand-dollar, plastic bill from his suit pocket to brandish to the diplomat.
"Interesting. Your species still uses physical currency? Despite all the advanced technology you have at your finger tips. Humans still use physical currency," replied the Diplomat with fascination in her eyes at the fact.
The asari diplomat looked to the President as if he was being condescending. He was being condescending when he waved that money around like he was a big-shot. Politicians were rich, but they were never known to boast about their wealth.
"What type of economy does your species have," asked the Diplomat out of curiousity.
"We have a pure capitalist economy. No social services except the basics: municipal and federal departments, and the military. By doing this, we have low taxes and a thriving economy," replied the President with his head held high.
"How 'thriving' is your economy? What's your GDP," questioned the asari with a look of distrust towards the President and a hint of cynicism.
"You can take a read at this tablet. It will give you all the info on our culture. Our economy. Everything of that sorts," replied Yankovich as he handed the asari his tablet to give the aliens.
"This exchange was rather entertaining. But I have to go back and meet with Congress. They'll decide on what to do about this," continued President Yankovich..
"Farewell, Human," replied the asari to the President.
Yankovich was happy, he simply just gave the aliens information on human culture and history. It was nothing that would give them important human tech secrets. But he did know the rival party of the New Republican Party would have a field day. They would just want to use this to get Yankovich's rival elected in the next few months.
As he and his guards walked back to their ship, he contemplated what these events could do. It could get the Utilitarianist Party into power. Maybe even more seats in Congress or even worse, the House. Just a massive political fallout that could ruinYankovich's chances at another Presidential term in the Oval Office.
The Utilitarianist Party stood for the opposite of Yankovich's Party. They would see this Second Contact as an attempt to force alien immigration. Which would result in increased taxes, increased poverty for humans, and just an overall lower quality of life. The Founding Fathers fought against this, not for this kind of stuff.
Not to have humanity's liberties stripped away from them like it was long ago. That was why the Utilitarianist Party was called ADVENT 2.0. Because most of their election policies were against the Terran Constitution. One example, was when one of their presidential candidates wanted to ban plasma weapons and powered armor for private use.
So, to most citizens that were sane in Yankovich's mind, they would all vote for him. He represented their freedoms more than the rival party ever could. The freedom that almost a billion people died for a hundred years ago against the Ethereals, and lastly, ADVENT.
It was like the American Revolution, but with aliens instead of the British Empire. Humanity being harvested like last time, was just not something the President was going to let happen when he gets to Congress. Aliens were not going to run Humanity, and the New Republican Party was going to see that never happened again.
Around the stars of Alpha Centauri in the nearby sector of the Sol Commonwealth. A massive star base headed the executive branch of the Terran Republic. All decisions and policy changes happened from this massive spacestation. It was called the Capitol Star Base by every human in the galaxy for a reason.
It was massive, the size of Manhattan Island back on planet Earth. Taking a surprising cost of twenty trillion dollars to construct this space city. But it was the ninth wonder in human history, despite the massive cost and time it required.
In appearance, the Capitol Star was just a large ring shaped space station. One that rotates from far orbit of the hot Jupiter in close orbit to the binary suns. It had three ring habitats that orbited a centrifuge in between them. Each were small cities in their own right, the outer ring was Residential, the inner being the Commercial District, the smallest ring was the Capitol District.
It was a very well-defended Star Base as well. Using dreadnought grade fusion lances to protect it from meteors, and alien ships. With a fleet, it was impossible for any fleet to destroy the station without great losses.
Law enforcement of the station was handled by the Federal Bureau of Law Enforcement. A heavily-armed group of militarized police that keep order in the Capitol Base. Unlike most worlds, it was the federal police who handled law enforcement on the station. Which made sense, as it was the Capital of the Terran Republic.
The centrifuge was the President's home, a large one kilometer home that the President lived inside. It was the White House of the far future, complete with elevators to traverse the hundreds of floors inside the home. But this came at a price, the home watched everything the President had ever said and uploads it to the Internet.
This watch over the politicians gave the citizens the ability to make voting decisions on their leaders. They sacrificed their privacy when they chose to be the leaders of their species. The only party that complained was the Utilitarianist Party, they believed it violates the Constitution.
Another thing the Capitol Star Base did was count the electoral votes for the Presidential candidates. As the Terran Republic copied all aspects of the United States of America. It made sense they would copy every single aspect of that ancient government.
Every single aspect was taken from the Commander and John Bradford's knowledge of America. From what they view as the most free country to ever exist in Earth's history. Humanity graciously supported that idea after suffering from ADVENT's tyranny. It was another reason why a common slang for the city was "New Washington DC".
Both being capitals of governments that hold freedom in high regard. Both had functioned in very similar ways, except the Capitol Star Base was in space. Which was a blessing for the whole of mankind in general, because it could stand as a military command center.
It was in the Executive District where Congress and the House of Representatives were making the decisions about the Second Contact. Two parties were debating about how to respond to these new aliens.
One third were of the Utilitarianist Party; the other sixty-six percent was of the NRP. One side had seemed to for the aliens, the other was Humanity first. Utilitarianists wanted Humanity to benefit the aliens because they were a potential majority. NRP wanted to ensure that Humanity never suffered in the slightest to benefit a collective majority.
The leader of the Terran Empire was a member of the NRP. He was responsible for making sure that Human interests weren't violated by the minority of congress. President Yankovich cared too much for his people as he stood on the podium.
In the seat on the left of the ring, Congresswoman Sloan had different opinion. She wanted to give the aliens easy citizenship into Terran Territory. Not just citizenship, welfare benefits that take money from hard-working Human beings. To make matters worse, she even wanted to give the X-Rays free medical care from the taxpayers.
"Yankovich, you're saying we should just treat these aliens as Neighbors. That's it," asked Sloan in confusion.
"Yes. That's most logical course of action. They could crush our species like the Ethereals did last time. If they get access to psionics. Or God forbid… our naval technology. We'd be doomed. We lack the numbers to protect our species without our edge in tech," responded the President in shock at the Congresswoman.
"It could also benefit our economy. But we'll have to sacrifice the Terran Dollar for the Council Credit," replied Sloan.
"Our economy is thriving. Our GDP is at ten quadrillion dollars, and rising slowly. Our treasury has a twenty-five quadrillion surplus," rebuked the President with a smile.
The NRP members of the Congress were cheering. Reporters watched the whole debate, and were broadcasting it all over every world in Terran Territory. Polls were spiking high for President Vladimir Yankovich in the next election as a result of his comment.
Yankovich was looking in confidence that his re-election would be secured. All thanks to his objectivity when speaking with the legislative branch. It was just like an educated man debating a hippie in a political argument, all facts, and no opinions.
"What about the future of the galaxy. It's more than just simple Human egotism we got to consider here," responded Sloan.
"Our species matters. Not some blue aliens that your party has been claiming are like us. They're not like us in any conceivable way. So why should we bend to their laws and regulations, Sloan," replied Yankovich with a grin.
Sloan just remain silent, which meant the President's arguments were too sound to ignore. President Yankovich was always a politician that valued logic over selfless morality. He knew that Humanity had owed the galaxy nothing. As he knew that compared to the other species, Humanity was most likely an endangered species. Sloan probably realized by her silence, that Yankovich was the smartest man in that whole room full of thousands. Her political career was shot, she destroyed it by saying alien lives were more important. Yet, she was only following her party's philosophy.
Months after the congressional meeting, XCOM was in decline. Their funding was cut by a Utilitarianist Presidency twenty years prior. They had to rely on funding from mega corps to stay afloat.
Like XCOM in 2015, they had a Council. But this Council was a group of several mega corps that provided small funding. How small? On average it was around 150 million dollars every month from each corporation. These companies had seen a future alien invasion as bad for business.
XCOM was seen as a relic from a time past. No longer needed for humanity's survival, and simply cast aside for more peaceful methods. Those peaceful methods could jeopardize the security of humanity's foothold in the universe.
Because of the lack of funding, XCOM no longer had the funding to create powerful ships. They had to rely on stealth vessels. These ships were weak, and had regular lances for defense against enemy ships. Their only asset was stealth, and nothing more.
XCOM's soldiers were now nothing more than mercenaries fighting for the next pay check. They were often ex-marines from the Terran Military that came across XCOM when looking for options in security consulting. But there were still screening in their services to make sure they were the best soldiers XCOM could get.
Most of these soldiers were cheap, because their equipment was from their tour of duty. It was one of the perks of working for the Terran Military, it was free gear. But the downside was that skilled Psi-Operatives charged the most. As they were the hardest soldiers to come across, because they were the special forces of the Terran Military.
Psi-Operatives could be paid more for greasing the wheels of a Corporate takeover, or mind-controlling
a rich teen's crush. Despite how petty these options were, they often proved far less risky for the reward. And the most despicable thing about these actions, they're all criminal.
XCOM would hire criminals by often faking their deaths, and replaced them with clones. These clones usually get killed due to a lack of their surroundings. Many Psionic-sensitive individuals who were convicted of crimes such as: serial-murder, rape, and fraud, were hired from prison. This gives them a second chance at life, and a whole new identity.
There was a high criminal population in Psionic-sensitives. It was due to their power that gave them divinity-complexes. That often manifested themselves in crimes such as fraud and rape mostly. Because of this, people think rich psionics mind-controlled their way to the top. Despite this, they were still important individuals to primary industries in Human space.
XCOM was planning a way to create its own super soldiers. Their plan was to use young offenders who were locked up in maximum security adult prisons. They would only get training if they had strong psionic sensitivity. Outside of that, they'd rely on their augmented physical and intellectual abilities to secure victory.
This project was called the Asset Project. That was an endeavor to create soldiers that were superior in every conceivable way to humans. Twice as intelligent, five times as strong, and a lot faster than any human at the top of those areas. The brainchild of this operation was a man named Jack Harper, XCOM's top scientist.
In a base under the oceans of Europa, surrounded by strange lifeforms of all types. XCOM's Headquarters was safely hidden from the public's eye. Everyone inside could see the surrounding ocean, because the architects used windows made from nano material. Frames around these windows emitted holograms and light.
XCOM's board of directors discussed the future of XCOM. Harper the Science Director, wanted to present the Asset Program to the Chairman, Stephan Hackett. But all they did was discuss the funding, and the construction of their newer stealth boondoggle.
"Funding for the X-12 prototype costs billions. I think I have cheaper solution," asked Harper as he poked the center of his glasses.
"What is it, Harper. Not another ludicrous alloy that's one-percent better than previous generations, I hope," replied Hackett as he ran his finger through his beard.
"No. I present the Asset Project. Which is an endeavor to create a small group of super soldiers. These soldiers will have twice the intellect, five times the strength, and twice the speed of even the best in those human attributes. And for just 400 million, we can create an unstoppable army of supermen," replied Harper in amazement.
"Super soldiers? How do you intend to create these supermen," questioned Anderson, the Director of Engineering.
"Simple. The technology's a century old. Molecular Nanotechnology. Small implants that contain billions of nano machines in each. Each implant could enhance one ability. For example: stimulating the production of adult stem cells, which can give a soldier the ability to recover from crippling injuries in days. That's the first implant. The others are still on the drawing board," explained Harper.
"That's fascinating. But what makes them so unique from other soldiers," questioned Hackett in confusion.
"Training. Except for psionics is a non issue. All they need to know is how to shoot or throw a grenade. The rest will be gained from their superior intellect, which will allow them to adapt quickly to their foes' movements. Their reflexes and their increased IQ will make them able to aim with perfect precision," elaborated Dr. Harper.
"That's brilliant, Harper. If they learn fast enough…well. Training is just the battlefield. Their abilities combined make one invincible," replied Director of Engineering, David Anderson.
"What are the candidates for this Project going to be," asked Hackett questioningly.
"Juvenile offenders that are aged 14-16. Not the petty criminals. The hardened ones who robbed banks, or shoot up schools. They would not be missed when we snatch them from prison," answered Dr. Harper with a devilish smile.
"Brilliant. But I'm going to need to shelve your idea for now. Once we've determined that there are threats to humanity in space. The Asset project will be immediately activated. Until then solve work out the other implants," replied Hackett as he steeples his fingers.
On the well-lit area of the Presidium, a Human diplomat met with the Citadel. His name was Donnel Udina who hailed from East India. This was his first negotiation as a Diplomat, before, he could only get a job as a hostage negotiator. His job was to inform the Council on the Congress' decision.
The ring of the Presidium reminded Udina of the Residential District of his current residence. It reminded him of that when aliens looked at him in curiosity. All of them wanting to engage Udina in conversation. The Commandos telling people to not distract the human as he walked to the Presidium elevator.
There was an asari diplomat at the elevator to the Presidum Tower. She was the same Diplomat the President spoken with a month ago. She waved at Udina as he was being escorted to the location. Not even the President knew her name, she was a mysterious character.
As he moved in closer she made eye contact with Udina. Udina looked at her back, and realized how similar alien social cues are to humans. He could tell by that she wanted him introduce himself.
"My name is Donnel Udina. I'm the soon to be Secretary of Interspecies relations. Who are you," said Udina with a boastfulness.
"My name's Nassana Dantius, I'm the Diplomat who talked to your President. You have the exact same attitude as well," she said, as she shook her head a bit in disappointment.
"I'm just here to give the Council the President's decision. After that I'm going to have lunch with an online date from the Internet," replied Udina.
"Okay. Let me just get you to the Presidium Tower. Oh, I'd recommend changing your attitude. I can understand your attitude towards aliens. If I was in your President's position it would be no different. But let's just say this Council is no-nonsense. Sort of," explained Nassana with frustration over the Council.
Udina and Nassana walked into the elevator. Udina got the unfortunate privilege of listening to the terrible elevator music that looped. Even the frustrated Asari could not take the music, it was like she was on her last straw. She was frustrated with her job as it was.
"What seems to be the problem, Nassana? You seem kind of… frustrated," asked Udina with sympathy over her emotional state.
"The Council was not happy that I could not get your President to join them on the Capitol Star Base. Because they wanted to see the technological wonder your species created within less than a century of going to the stars. It was basically the first non-prothean mega-scale engineering feat," replied Nassana.
"That's just a large Stanford Torus. We had those in concept since the 1970s. Over a hundred years before we left our home planet," replied Udina as he downplayed the feat of technological engineering.
She was now calm and quiet, as she realized it was just a century old concept that made it into reality. In that Udina explained the Capitol Star Base, the elevator reached the Council Chambers. And the transparent, plastic door slid upward.
Nassana left Udina as he walked up the stairs to the Council. He was amazed how these Protheans blended nature and technology. There was trees that decorated the office, and they were tall alien trees from New York II. These Protheans must have explored the galaxy to gather all these plants. He even wondered if the Protheans were victims of the Ethereals from their disappearance.
As he met one of the councilors. Udina noticed three, one salarian, one asari, and one Turian. One of them looked directly at Udina with suspicion. The Asari was neutral; the Salarian seemed fascinated with the human.
"It's interesting to finally meet a Human. I assure you we're not how your reactionary President paints us," greeted the Asari Councilor with gratitude.
"I would not call his suspicion xenophobia. He's just afraid his rival party would increase taxes on the rich and middle class. As well as lose human cultural identity to appease aliens," explained Udina with a smirk.
"Why would they raise taxes on hard-working humans? Is it to help the poor? Pay for medical? Or anything like that," asked the Turian Councilor with suspicion.
"Of course. But not help us. It's to incentivise immigration for aliens. Give them free money and services at taxpayers' expense," explained Udina with concern.
"Looks like your species needs to clean house. That's not appeasing. That's just merciful racism that only benefits aliens. It's like they're just rear-kissing," replied the Turian Councilor.
"What's that 'political party' called," asked the asari councilor with disdain as she finger quoted one of Udina's sentences.
"The Utitilitarianist Party? The Yankovich Administration laughed it out of existence with his arguments to Congresswoman Sloan. They do, however, make up one third of the Legislative and Executive Branches of our government. I hope they dissolve! They lost credibility with one of their President's, who cut funding to XCOM. When Yankovich won. Their voters rioted on the streets. Dragged rich people out and killed them," replied Udina with disdain over that political party.
"That party will eventually dissolve. They made a fool of themselves recently. I don't think they'll recover," said the Asari Councilor with reassurance about that problematic party.
"Your technology. Speaking of which, we won't be able to reverse-engineer. Your species is the only psionic-sensitive species left. No psionics, no reverse engineering your technology. So only a small few of the galactic community's undesirables can get energy weapons and power armor. And we doubt they can attack even a freighter. So your species' weapons would only appear on black markets for immensely high, prohibitive prices," explained the Asari Councilor.
"Good. Now that I know my species is going to be fine. I think the President will be happy with the results of this diplomatic meeting with your civilization," said Udina as he was going to leave the Council Chambers with the news.
submitted by JacksonHarper12 to HFY [link] [comments]

Am I A Communist?

I like to think of myself as one. I truly believe that collective ownership of the means of production is the only step forward for humanity, especially due to climate change. Capitalism has proven incapable of solving this impending catastrophe which is the greatest threat to civilization to have ever existed. I detest neoliberalism, believing it to be self interested, wasteful, inefficient, and only serves to make the rich richer and the poor poorer. I wish for a planned economy, when everyone's needs are fulfilled and everyone gets the same opportunities as one another. In the beginning of the construction of socialism people will be rewarded according to their work, but eventually over many generations, human consciousness will evolve to make work the prime want of all: 'from each according to his ability, to each according to his need.'
I look up to great revolutionary movements of the past, such as the October revolution of 1917, and to great individuals such as Lenin, Trotsky, and Che Guevara. I believe that change can only come from a revolution from below and the smashing of the state apparatus. Attempting to abolish capitalism through it's state machinery either ends in failure and sabotage (Chile 1971 - 1973/Venezuela 1997- present) or authoritarianism (eastern bloc countries.) I wish for the eventual minimizing of the state and instead for the collective ownership of property, when the distinction between people and state is non existent.
I wish for the peoples of the world to unite. Race is only a social construct, and all lands have been settled and colonized at some point in history, and all of us are human beings. There should be no made up divisions between peoples.
But in another sense I'm a reactionary. I look gleefully at the post war past, and included in that rigid gender roles and social conservatism. I hate SJW's, and believe that neoliberalism is a cultural, as well as economic movement which is grinding our civilization to impending collapse. The true workers movement in America during the 1930's and 40's was crushed by capitalist reaction in the form of McCarthyism. By the time of the Vietnam war the only force strong enough to pose a threat to the capitalist state was the primarily young middle class (students.) But because the working class was relatively weak at this point, they did not gain socialist consciousness, and instead the left turned to identity politics. Identity politics was useful to the emerging neoliberal offensive because it divided the working class and turned the left from a workers movement to a middle class movement filled with illogical ideas about sex and gender. To back up their absurd claims, such as there are more than two genders, they employed post modernist philosophy, a doctrine which goes against the enlightenment values of science and reason, and instead employs a capitalist agenda to manipulate people. Nowadays the postmodern establishment is establishing a cultural hegemony over western society, trying to emasculate women and demonize their natural roles as carers and mothers, due to the decline of the capitalist system and needing to mobilize more labour.
Policies: As I'm from Britain, these will be most relevant to that country.
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Binary Options are cash-settled as European style options so they can only be exercised on the expiration date. If, at expiration, the options settle in-the-money, the buyer or seller of the options receives a pre-specified dollar amount. Similarly, if the options settle out-of-the-money, the buyer or seller receives nothing. This provides a known upside (gain) or downside (loss) risk ... Options Rider claimed to be an online binary-options-trading scheme based in New Zealand and managed in Australia that used expert traders and specialised software to provide big returns. The high-risk speculative investments try to predict whether the price of an asset, commodity or index will trade above or below a specific price at a specific time. Binary options can be legitimate and legal ... The Commonwealth Bank, St George Bank, the AFP and the regulator, AUSTRAC, were unable to say whether the banks filed suspicious matter reports about Fund Options in the lead-up to the police ... A Product Disclosure Statement for Exchange Traded Options (Options) issued by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 is available from www.commsec.com.au and should be considered before making any decision about the product. There can be high levels of risk associated with trading in Options; only investors familiar with the risks of Options trading should consider ... Commonwealth Bank and St George held accounts for Options Rider investor scam, FinCEN files show ... Options Rider claimed to be an online binary-options-trading scheme based in New Zealand and managed in Australia that used expert traders and specialised software to provide big returns. The high-risk speculative investments try to predict whether the price of an asset, commodity or index will ... Beneficiary Bank Name: Commonwealth Bank of Australia. Beneficiary Account Number: 10606266. Beneficiary Bank SWIFT Code: CTBAAU2S. BSB number (Bank Code) is 062-468 . Bank Address: NRI Banking. International Financial Services Level 10. 101 George Street, Parramatta. NSW 2150, Australia. More pseudo-compliance than anything, on their website Options Rider claim to be authorized by the NZ ... Commonwealth Bank ‘New Message Notification’ Phishing Scam. written by Brett M. Christensen April 4, 2016. Outline: Email purporting to be from Australia’s Commonwealth Bank claims that you have a new Internet Banking message. Brief Analysis: The email is not from the Commonwealth Bank. Clicking the ‘Log On’ button included in the message opens a fraudulent website designed to steal ... RBA partners with Commonwealth Bank, National Australia Bank, Perpetual and ConsenSys Software on Wholesale Central Bank Digital Currency Research Project; FX execution algorithms contribute to market functioning but bring new challenges ; Federal Court Orders Pennsylvania Man and His Companies to Pay More Than $1.2 Million in Forex Trading Scheme; Home / Binary Options. Binary Options. Share ... Visit Important Information to access Product Disclosure Statements or Terms and Conditions which are currently available electronically for products of the Commonwealth Bank Group, along with the relevant Financial Services Guide. Loan applications are subject to credit approval. Interest rates are subject to change. Fees and charges may apply. The Commonwealth Bank's chief executive Matt Comyn has revealed 300,000 calls were made to borrowers with Australia's biggest home lender on their deferred mortgage repayments.

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Binary Options Cash Profits Proof Of Broker And ATM ...

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