As Governor of California, my vision is to transform our cities into vibrant, walkable communities that prioritize public transportation and provide free housing to those in need. By focusing on sustainable urban planning and reducing car reliance, we can unlock numerous economic benefits while fostering social equity. Here's an outline of my vision:
Sustainable urban planning: I will prioritize the development of walkable cities that promote pedestrian-friendly infrastructure. Investing in well-designed sidewalks, bike lanes, and public spaces will not only enhance the quality of life but also reduce traffic congestion and improve air quality.
Robust public transportation: I will work towards expanding and enhancing public transportation systems throughout the state. By investing in reliable and efficient buses, trains, and light rail systems, we can provide affordable and accessible transportation options for all residents. This will reduce the need for private vehicles, easing traffic congestion and reducing carbon emissions.
Free housing for the poor: I firmly believe in the right to affordable housing for all. To address homelessness and housing inequality, I will implement comprehensive programs that provide free housing to those in need. By collaborating with non-profit organizations, leveraging public lands, and promoting innovative housing solutions, we can ensure that everyone has a safe and dignified place to call home.
Economic benefits: The transition to walkable cities and public transportation will generate numerous economic advantages. By reducing car reliance, we can lower the burden of vehicle ownership and maintenance costs for individuals, freeing up their income for other expenses or savings. Additionally, investing in public transportation infrastructure will create jobs, stimulate local economies, and attract businesses to our communities.
Union support and worker ownership: I firmly support unions and recognize the value they bring to our workforce. As Governor, I will champion workers' rights and encourage unionization across various sectors. Moreover, I will explore policies that promote worker ownership of their workplaces, fostering a sense of empowerment, shared prosperity, and economic stability.
To ensure the swift and effective implementation of this vision, I will assemble a diverse team of experts, collaborate with local governments, community organizations, and engage in open dialogue with residents. By setting clear goals, implementing strategic plans, and leveraging public-private partnerships, we can achieve tangible results in a timely manner.
Solar panels and renewable energy: I will promote the widespread adoption of solar panels and other renewable energy sources across our cities. By incentivizing solar installations on rooftops and public spaces, we can generate clean electricity, reduce reliance on fossil fuels, and mitigate the impacts of climate change. This transition will create job opportunities in the renewable energy sector and attract sustainable businesses to California.
Urban community gardens: I believe in fostering local food production and ensuring access to fresh, nutritious food for all residents. I will support the establishment of urban community gardens in vacant lots, rooftops, and public spaces. These gardens will not only promote sustainable agriculture but also strengthen community bonds, improve mental well-being, and provide educational opportunities for residents of all ages.
Water desalination plants: Given California’s water challenges, I will prioritize the development of water desalination plants in coastal areas. These facilities will help alleviate water scarcity by converting saltwater into clean, potable water. By investing in advanced desalination technologies and implementing efficient water management practices, we can secure a reliable water supply for our cities and reduce strain on existing freshwater sources.
Affordable public housing: Access to safe and affordable housing is a fundamental right. I will work towards increasing the availability of affordable public housing units across the state, incorporating sustainable design principles and energy-efficient features. These housing initiatives will prioritize the needs of low-income individuals and families, reducing housing insecurity and promoting socio-economic equality.
Will I be a perfect governor? No, absolutely not. I want none of y'all mfs to give me an ounce of hero worship. I’m not special. I just wanna fix things and dip.

I'm not even where to start, this is long I apologize in advance for errors, I'm on mobile...
Please bare with me as I have multiple chronic illnesses which cause my brain to be mushy 200% of the time... But I'll try to be as detailed as possible, I don't want to give too much away as this is a very serious issue and could get my husband in some serious trouble. Which he deserves to be in, BUT I'm currently waiting on a decision from social security disability so his full time employment means we have a home, food to eat and food for my 3 fur babies. He is supporting me and I do not have anything to fall back on in terms of support so I'm stuck still living with my husband.
The backstory: we've been together for almost ten years now, married for about 3. I have multiple slow progression painful chronic illnesses, I've been sick my whole life and he's taken on a huge responsibility being my partner... And I thought he accepted me for who I am not what I can offer. Mind you I'm not completely disabled, I'm able to do light housework, make his lunch for work, care for our pets and make simple dinners daily... So from chronic illness standards I'm doing pretty well for how progressed they are. Multiple of my illnesses causes severe pain so I take high dose pain meds to regulate myself on top of getting regular epidural steroid injections and ablations of the nerves in my spinal column to be able to walk. Back to the story, about 3 years into our relationship, the first time I noticed my meds were going missing I was on a low dose pain med called tramadol, he lied but eventually admitted to taking "a few". We moved forward but I had to hide my medication. The second time, fast forward a few years and we had moved into our new house. At this point I was taking lower dose Norco, but I was noticing I was light when I shouldn't have been. Confrontation again and I got a lock box. Third time I was spring cleaning and I found an empty checkbook full of my USED fentanyl patches, I had started using those due to not being able to keep my meds down completely. He had shaken them out of my sharps container then stored them away... Still not sure what he was going to do with them, it's basically skin cells by the time I take it off. I was ready to leave at this time but my parents had just moved 2 and a half hours away in a two bedroom small home. I had/have no where to go and no money to use to do anything about it... Things seemed fine for a couple years. The lock box was protecting my meds and things seemed ok... But I was still weary... Unfortunately my room in which I stored my lockbox got really cluttered due to many reasons so it became hard to use. Another part of me wanted to trust my husband. Stupid me, right?
Well to break down my dosage - I am prescribed a medium dose Norco 4x a day. Usually I only take 2-3 depending on pain and ration the rest in case of med shortage. But I was noticing my extra earrings were not as abundant as they should have been but I thought maybe I was taking a bit extra that month since it was winter. Due to recent medication shortages, my dose was increased but for 3x a day. Which I downgraded my dose to 2x a day to make sure I had extra as my pharmacy warned me they still can't get any in.
Come to the other day and I open my bottle to notice I only had a small handful... So I emptied the bottle and counted, i only had enough to take 2 a day for the next three days leaving me not only 3 Norco short for those days, but three days worth was completely gone... My heart sank because I knew what happened... I confronted my husband who lied about it at first but I asked him again and he finally admitted to taking "a few". I screamed at him for awhile before telling him to get out of my face and go to work, so he left. Sitting there I calculated not only did he steal about a months worth (1 a day) for May but he had to of stolen another two months worth during the previous months my meds weren't in the lock box... A MINIMUM of 90 Norco was taken from me when I absolutely needed them.
I wanted to file a police report that morning but was stopped by my mom who reminded me that I'm currently depending on him to survive. Only when social security goes through do I have any options of leaving... I currently pay about $315 a month on a student loan I'm not even able to use. It's not for not trying, I started working at the age of 14 but had to stop in 2020 due to multiple flare ups ending me up at 93 pounds plus in and out of the hospital on the regular.
Current situation, it's been 5 days, I asked him if he had anything to say to me at all, he said no. He still says I love you and tries to kiss me... I lean away in disgust... I'm disgusted with his audacity to take the medication that helps me be a person. I'm disgusted with myself that I do still love him but all feelings have been burned from his actions. It's obvious he has no respect for me and I'm not even sure if he married me because he loves me or if he just thought he'd have easy access to my medications for the rest of his life... Well my life. I feel obligated to continue my "wifely duties" such as making his lunch, picking up the house to the best of my abilities, make us dinner at night as he is the only one on the house so it's his, he's letting me stay despite my cold demeanor... Kinda keep the peace until I can figure a way out... It's selfish but so is he.
I do not have money to move on my own and I have to take my two large dogs and cat with me as he will neglect them, not intentionally, he has ADHD so he just forgets things. My parents said I could come up there but that means every doctors appointment I'm driving 5 hours both ways... And I have 5-7 a month. My best friend is in another state, my other bestie has 4 kids a husband and allergic to animals, 3rd friend lives with her aunt and uncle. I could crash at my brother's for a few days but not any longer... And my neighbor can't house my animals... That is my list of people, I have nobody else... Though who would want to roommate with someone who can't pay rent but can contribute to groceries, cook and light cleaning...
I'm not even sure why I'm posting... I'm very lost and confused. I've officially taken off my wedding band, I know I should file a report but he could lose his job which means he loses insurance meaning I lose insurance... I should leave him but I have nowhere to go... I told him the only way I'd even consider working on our relationship again is if he goes to therapy or rehab but he's said he'd go on the past just to not go or go once then never again...
My only plan I can think of is wait for social security to hopefully approve me then I can get my student loan waved, then I can look into low income apartments or housing... But who knows how long that's going to take, it's been in reconsideration since October of last year (22).
I'm gonna go potato now... Any helpful advice would be magical. Thank you

So I'm trying to help my mother with a budget. She's a baby boomer so I'm not sure how common this behaviour is. My father is refusing to provide her with bank details of their financial position.
They have a rocky relationship and have been together on and off for 40 years. My father doesn't really work but is finally now receiving a pension so some income. He has been in and out of employment consistently for approx 10years maybe longer. My mother has worked in low paying roles for my whole life but has been a regular earner.
My father controls the finances 100% and she was putting in 50% of her wages into a (joint) account that she doesn't appear to have access to. She holds her own accounts but my father has done things such as withholding her 7k tax refund and made arrangements to lend her money to a family member which overall isn't unreasonable but she wasn't asked.
I'm trying to tread lightly but it's hard where it appears to me as financial abuse and he's continually making poor decisions and they have no financial plan.
His latest response to my attempt to assist is blaming my mother for a messy house and saying you can't have a budget if you aren't making any money. He just wants a tidy house and to be left alone to 'invent' things.
I'm not going to support them financially in the future but want to do as much as I can to help them.

hey everyone, so i’m a college student and i’m trying to rent an apartment in the next year so i can move out of on campus housing. the main problems i’m having is 1. i have no credit score bc i’ve never had a credit card or anything like that and 2. monthly/yearly income requirements of typically 3x the rent.
problem 1: i’ve never had a credit card and i have no idea where to start with building credit or anything and i’m just unsure of what to do
problem 2: because i’m in college my monthly income is kind of low since i can only work so much even though i have two jobs. i’m not sure what to do with or to get around these requirements and i’m worried i won’t be able to
if y’all have any advice for either of these problems or tips for finding an apartment for a college student in general please let me know!!

hey everyone, so i’m a college student and i’m trying to rent an apartment in the next year so i can move out of on campus housing. the main problems i’m having is 1. i have no credit score bc i’ve never had a credit card or anything like that and 2. monthly/yearly income requirements of typically 3x the rent.
problem 1: i’ve never had a credit card and i have no idea where to start with building credit or anything and i’m just unsure of what to do
problem 2: because i’m in college my monthly income is kind of low since i can only work so much even though i have two jobs. i’m not sure what to do with or to get around these requirements and i’m worried i won’t be able to
if y’all have any advice for either of these problems or tips for finding an apartment for a college student in general please let me know!!

A mutual fund is ”pool of funds from large number of investors,who have a common investment objective”.It is professionally managed by “fund manager”.The fund manager invests the funds in different securities i.e stocks, bonds, money market instruments & other securities.
The investors,who invests in mutual funds are known as mutual fund” share holders (or) unit holders”.The mutual fund company allots the units to the investors in-proportionate to their investment amount.
Mutual funds investment is best way of investment method for,who does not has proper knowledge about stock market.It gives an facility to invests in mutual funds for small investors with just 500/-. MUTUAL FUND INVESTMENTS
1. LUMPSUM (OR) ONE TIME INVESTMENT :
LUMPSUM is the traditional mode of Mutual funds investment. It is best for who has an bulk amount to invest.It gives good returns to the investor in long term period,subject to fund risk.
2. SYSTEMATIC INVESTMENT PLAN ( SIP ):
Now a days ,SIP investment is the most popular mode of mutual funds investment.Because we can built an corpus in long-term with systematically invests small amounts regularly.Minimum SIP INVESTMENT is 500/-. MUTUAL FUND INVESTING vs.DIRECT INVESTING

• Professional Investment Management
• Risk reduction through diversification
• Convenience

TYPE- 1 MUTUAL FUND : BASED ON STRUCTURE

OPEN ENDED FUNDS

These funds buy and sell units on a continuous basis and, hence, allow investors to enter and exit as per their convenience. The units are bought and sold at the net asset value (NAV) declared by the fund.

CLOSE ENDED FUNDS

Unlike in open-ended funds, investors cannot buy the units of a closed-ended fund after its NFO period is over. This means that new investors cannot enter, nor can existing investors exit till the term of the scheme ends. However, to provide a platform for investors to exit before the term, the fund houses list their closed-ended schemes on a stock exchange.

INTRERVAL FUNDS

Interval funds are basically close ended funds.These funds have features of both open-ended funds and closed-ended funds.these funds open for subscription during certain intervals only.

TYPE- 1 MUTUAL FUND : BASED ON INVESTMENT OBJECTIVE

• 1. EQUITY OR GROWTH FUNDS — These invest in equity & have the potential to generate higher returns in the longer term with some amount of risk. Equity funds are categorized into 7 types namely, Large Cap Funds, Mid Cap Funds, Small Cap Funds, Multi Cap Funds, Sectoral Funds, Thematic Funds, Tax Saving Funds.
• 2. INCOME OR BOND FUNDS — These invest in Government Securities or Bonds, Commercial Papers and Debentures, Bank Certificates of Deposits and Money Market instruments like Treasury Bills, Commercial Paper, etc. & are relatively safer investments, suitable for Income Generation. Examples would be Liquid, Short Term, Floating Rate, Corporate Debt, Dynamic Bond, Gilt Funds, etc.
• 3. HYBRID FUNDS — These invest in both Equities and Fixed Income, thus offering the best of both, Growth Potential as well as Income Generation. Examples would be Aggressive Balanced Funds, Conservative Balanced Funds, Pension Plans, Child Plans and Monthly Income Plans, etc.
• 4. MONEY MARKET FUNDS — These funds invest in short-term fixed income securities i.e. government bonds, treasury bills, bankers’ acceptances, commercial paper and certificate of deposits. These are low risk instruments with low return capability.
• 5. INDEX FUNDS — These funds invests the funds in index i.e. sensex or Nifty.The performance of the fund depends on the performance of the index. Index funds have lower costs than actively managed mutual funds.
• 6. SECTOR FUNDS — These funds invests in particular sector of the market.For example infrastructure funds ,invests in equity shares of infrastructure companies only.The performance of the fund depends on the performance of the respective sector.
• 7. TAX-SAVING FUNDS — These funds invests the amount in tax-saving instruments,like equity shares. Elss is the best example for tax-saving mutual funds.it allows for deduction upto 150000/-p.a.u/s 80c of income tax act-1961.
• 8. FUND OF FUNDS — These funds invests in other mutual fund schemes.These funds performance depends on performance of those funds.

Kindly Go Through This Website To Get More Information Regarding Stock market And Investment Policy : https://www.tulsiwealth.com/mutual-funds-investment.php

As the title implies, my parents are going through an especially difficult time right now. My younger sibling (#4) raduated from college and decided to go home for a few weeks. For context, there are five of us. I'm the oldest and I've been living on my own since I was a teenager. I have my own financial struggles, but as of just two months ago, I started making enough money that I'm not drowning. But I still have significant financial anxiety.
I had a fight with my mom about a year ago about how felt alone and abandoned because I had to move out at 16 due to (1) the fact that my parents treated me terribly (2) they didn't have the financial security to support me and all of my siblings (3) in my times of need since moving out, parents have been extremely hard on me about contributing to their household. My dad asked me to lend him money when I graduated from college and was looking for a job and I did, I've given thousands to my grandmother, to my siblings etc. My mom at one point asked me to pay for a life insurance policy for my dad which I did. All of that stuff was so stressful for me - I am not making a ton myself. When I brought that up as a reason why I felt abandoned and overloaded with responsibility that wasn't mine, my mom completely denied any of this ever happened and told me I needed to contribute and that I've never done anything for her.
So I have not been on speaking terms with my parents for a little over a year. I had no idea how bad things were until sibling #4 calls me yesterday to tell me there are no groceries in the house, the laundry machines are broken, and the water is turned off while they wait for the plumbing to get fixed. So no showers, no hygiene, no food in the house at all.
What really bothers me is that its all my dad's fault. He drives for Uber as his main income. To keep up with the Jonses, he went and bought a brand new tesla and sold my mom's car without telling or asking her. Tesla breaks down and he can't drive Uber for a few MONTHS while it gets fixed. Now, enter all these unexpected issues and expenses around the house - in addition to one which is very predictable - the need for FOOD. #4 tells me everyone is rationing to only have one meal a day - and that meal is mostly just bread. No eggs, no milk, no vegetables, no fruit, no groceries - no food.
My mom has no steady income - she has a transplated critical organ and is more vulnerable to COVID - so she can't work a traditional job. So its like this is just the status quo.
I feel terrible for my mom - my dad sold her car but forbids her from ever driving the tesla. So she is stranded at home, vulnerable health, no food, and the water situation is bad. I make okay money, but not enough that I can just give at a moment's notice. I feel somehow guilty for the fact that they are in this situation even though it has nothing to do with me.
Part of the issue is that they are living paycheck to paycheck, part of it is that my mom is financially dependent on a man who abuses and exploits her. This is terrible and I somehow feel like if I don't sacrifice a need of mine to help them, then its my fault theyre in this position. But then I remember how they've treated me - and it makes me so angry that I feel like I would be a sucker to sacrifice paying one of my bills, adding to my (very low) savings, and paying of my own debts to help them. This is the worst feeling.

Bought a 2019 TRD off-road Tacoma brand new for 40k with extended warranty and services included. Truck has 28k miles and gets around 20mpg with bigger wheels and tires. I just paid it off this month and 40k was including interest I paid. Got a new job and I’m now working 35miles each way, driving 5x per week. Going through divorce and lost my house. So looking to sale Tacoma and get into something cheaper but also with a bigger v6 or v8 for towing reasons. I’m completely out of debt with relatively low savings but decent income. I’m really mechanically inclined so high mileage isn’t out of the question. What are suggestions on what I can go into that’s around 20k reliable and still capable of hauling a 4000lb trailer occasionally (decent mpg is optional)

Yes Im saying I hate house sitting big houses. I could be in a big nice house gated neighborhood and I would rather housesit for a low income area 800 sq ft house client. Is anyone else like this? Too many noises. Too many doors. Too many windows. Too much everything lol! Pray for me these next 4 days 🤣
Also I love the dog I’m sitting for he’s a protector and I wish he could sleep with me but they make me go upstairs and put him in a crate in THEIR bedroom 😭 and anytime he hears a noise he starts barking and he’s going to give me a panic attack. I’m like “what do you hear buddy? Who’s there!??” 🤣

I'm a day late posting this -- I'm sorry to have gotten off schedule! I realize there have been a lot of high-earner diaries recently, but I hope my perspective is still of interest.
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Section One: Assets and Debt
Retirement Balance: $460K (mine) and $250K (husband’s). We both max out our annual withholdings. I’ve been working longer than him, and my employer offers a more generous match, which contributed significantly to my balance.
Equity: $275K. Our home is currently worth about $450K. We live in a M-HCOL area (far) outside of NYC, and our home was a fixer upper when we bought it. Honestly, it’s still a fixer, and we are saving towards a major renovation.
Cars: Maybe $15-$20k total…we drive two paid off cars. One is 13 years old, and the other is 10 years old.
Other Cash and Investments: $150K
Credit card debt: None, paid every month
Student loan debt (for what degree): $80K towards the grad degree I’m pursuing now. Since we’re saving towards the home reno, I’m financing my degree rather than paying for it outright. I know this is counterintuitive given the interest rate environment. However, the home reno has been a priority for us since we bought this home.
Daughters’ 529s: $75K
Total Net Worth: $1.145M
Section Two: Income
Income Progression: I've been working in my field for 13 years and my starting salary was $40,000.
I work as a Director of Financial Planning & Analysis in a niche field. I won’t go into too many details because it’s a small world. My salary progression was as follows:
Year 1: $40,000 starting, right after recession. I had an amazing boss who mentored me and recognized my potential. After six months, I received a promotion and raise to $60,000.
Year 3: Promotion and raise to $90,000, for a role with more financial and analytical responsibility. Although I worked hard, I continued to benefit from having a boss who advocated for me. I consider this a major turning point.
Year 8: Raise to $120,000 for additional responsibilities after a coworker retired.
Year 10: Raise to $135,000
I’ve received an average of 2.5% COLA increases and now earn $145K. My boss has requested a $10,000 bonus for me this year, which I haven’t yet included because it’s still under review.
My husband earns $260,000 base salary as a VP of a large corporation (this is a very recent raise…he was at $200K previously). In addition, he can receive a performance-based bonus of 20-30%. We don’t include his bonuses in our financial planning because they are not guaranteed and because a portion is RSUs. When he receives a cash bonus, we put it towards our daughter’s college accounts and/or our home reno fund.
Education: I have a bachelors and a masters in a field unrelated to my career. My tuition was paid by scholarships/assistantships. In addition, my parents covered my living expenses during undergrad. During my first graduate degree, I worked 3 part-time jobs to cover my non-tuition expenses. I’m now enrolled in a grad program more directly related to my career. My employer encouraged me to do this program and generously allows me the time out of office. In addition, if I stay for a certain number of years, they will reimburse a portion of my tuition.
Main Job Monthly Take Home:
Monthly take home: $6,300 after taxes, retirement ($1,875) and medical/dental benefits ($110– self only)
Husband’s monthly take home: $12,560 after taxes, retirement ($1,875), and medical/dental ($400 for him and our two kids)
Section Three: Expenses
Mortgage: $2,485 for principal, interest, insurance, and taxes. We refinanced to a 15-year loan at 2.3% when rates were low
Daycare: $3,510 per month (full-time for a toddler and preschooler)
Savings contribution: $3,000-$5,000
Daughters’ 529 accounts: $2,000 ($1,000 each)
Debt payments: $700 towards my student loans. This will increase once I’m done with my degree
Donations: $3,000 annually
Transit $350-400 for husband’s commute (3x/week to NYC)
Electric: $60
Wifi/Cable/Landline: $120
Cellphone: $180
Subscriptions: $59 for Netflix, Hulu, Disney+, Duolingo, Apple Storage, and credit monitoring
Gym membership: $149 for Pure Barre
Husband’s physical therapy: $130 (portion not covered by insurance)
Car insurance: $3,200 annually. (This seems high, considering we have good records, don’t drive much, and both cars are paid off. I need to look into this)
Life Insurance: $3,100 annually
Day 1 (Saturday):
6:00 AM: Wake up. I’m doing a modular course for my graduate degree, and the class wraps up today. I study for the exam that happens this afternoon. A little after 7, I walk to a nearby coffee shop and buy a large Americano for $4.50 including tip. When I’m back at the hotel, I pack up my room and leave a $20 tip for housekeeping. On the way out, I drop my bags at the bell stand. The hotel cost is covered by tuition.
9:00: Meet with my study team to finalize a paper and presentation that’s due today. At noon, we break for lunch (also covered by tuition). I have a salad and lots of carbonated caffeine. After lunch, we have an hour-long final exam.
2:00: Final course wrap up. It’s been an intense week-long session. I learned a lot, but am so ready to head home. I walk back to the hotel to retrieve my bags. Along the way, I stop to buy an empanada ($8 including tip). Then I call an Uber to the airport ($55 including tip). While in the Uber, I talk to my husband and daughters, who are 1.5 and almost 4. Due to the time difference, it’s their bedtime and if I don’t catch them now, I’ll lose my chance. I promise them that I’ll be home when they wake up in the morning. A lot of my classmates went to dinner together before heading to the airport. On the one hand, I have FOMO because my classmates are awesome. But on the other hand, it was really important to me to talk to my family, and I know I couldn’t have done that easily in a bustling restaurant (I’ve tried, and it was a frustrating experience for everyone!).
6:00: Arrive at the airport. I check my bag ($35). Once I’m through security, I pick up some souvenirs. My hotel wasn’t in an area with good shopping options, and the class days were pretty packed anyway. I get locally made chocolate for my husband. The girls get a small stuffed animal each, and a book to share ($70 total). Then I treat myself to crab cakes and a French 75 to celebrate the end of the week ($60 including tip).
10:00: On the flight, I read until the cabin lights go out and then try to sleep. I used to be able to sleep better on red eyes, but I wake up every 15 minutes.
Day 1 Total: $252.50
​
Day 2 (Sunday):
6:00: Flight lands and I gather my bags and take the parking shuttle. Although I parked in an economy lot, the total was still $174. Ugh – this has been an expensive week.
7:45: Arrive home. The girls crawled into our bed and are snuggled up next to my husband. The toddler wakes up as I come into the room and the look on her face when she sees me is priceless. Our preschooler wakes up soon after. It’s so good to be reunited with my people! We all head downstairs and have breakfast (waffles and cereal, plus a huge pot of coffee). It’s cold and rainy today and we spend the morning watching TV together.
10:00: Our toddler falls asleep for her nap, and my husband encourages me to do the same. Our preschooler is happily entertaining herself with Legos and puzzles, so I doze for a couple hours. Around 1:00, we all have turkey sandwiches for lunch. Then, I take over kid duty so my husband can finally have some time to himself. He spends the afternoon woodworking in his basement workshop.
2:00: Our preschooler’s birthday is coming up. I buy digital invites from Etsy ($12) and send them to Staples to print ($16 with a promo). They are ready in about two hours and we pick them up. My preschooler asks for kinetic sand at Staples and I cave in and buy it for her ($11). I constantly complain about the amount of “stuff” in our house, but to be honest, I’m guilty of contributing to the clutter. When we get home, I spend the afternoon doing crafts with the girls.
5:15: We heat up some leftovers that my in-laws dropped off while I was gone. We do the girls’ bedtime routine a little early since everyone seems tired. Lights out by 8:00 for the girls. Then I catch up on work email and start making a list for the week. For the purposes of this money diary, my husband mentions that he spent $270 yesterday restocking groceries. Then I watch Succession and head to bed
Day 2 Total: $387
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Day 3 (Monday):
5:08: My alarm goes off because I typically go to Pure Barre on Monday morning. I’m still jetlagged so I decide not to go today. I hadn’t actually signed up for a class because I had a feeling this would happen.
6:30: Everyone else is still asleep, so I go downstairs to make coffee and enjoy a few quiet moments to myself. When my husband and kids wake up, we all have breakfast (frozen waffles and berries for the kids. English muffins for the adults).
8:30: Drop the kids off at daycare and then get to work. I work primarily from home, so I just have to walk upstairs to my office nook. I spend the morning prepping for an important meeting tomorrow with senior leadership. I get a reminder on our phone that our toddler has a well-child visit today…usually I sync my calendars, but I totally neglected to log this on my work calendar, and it conflicts with a meeting with our chief of staff. CRAP. I debate canceling the doctor’s appointment, but decide to keep it. Our toddler is getting vaccines today and if I don’t keep the appointment, I’m not sure when I can reschedule. I apologize profusely to our COS and ask if we can reschedule. She says not to worry, and that she appreciates the extra time in her schedule…hopefully I didn’t make a bad judgment call.
1:15: I quickly eat a turkey sandwich for lunch and then pick up our toddler from daycare for her appointment. These well visits usually take 30 minutes and are covered by insurance. As luck would have it, we spend 90 minutes waiting because they are running behind. Luckily, I have snacks and activities in my purse to occupy her. To pass the time, I browse for favors and paper goods for our older daughter’s upcoming party. I end up buying paper goods, decor, and favors ($67 from Target) and iced sugar cookies ($240 from Etsy). As I type this, I realize how bananas it is to spend that much on decorated sugar cookies. Our incomes have increased pretty dramatically in the past few years, and although we haven’t increased our fixed expenses, we’ve definitely succumbed to lifestyle inflation for one-off things like this. It’s something I need to be aware of. I’m finally home around 3:30, just in time for my next call. My husband is WFH today and takes over kid duty during this call.
5:15: It’s time to pick up our older daughter from preschool, but my call is running long so my husband picks her up. For dinner, we make salads topped with roast chicken. The toddler loves salad, but our preschooler proclaims “I don’t like green leaves – I’m not a caterpillar!”. Well, okay then.
8:30: We do the girls’ bedtime routine, and then I continue prepping for tomorrow’s meeting. I wrap up around 1:00 am. While I’m working, husband preps two meals that just need to be reheated sometime later in the week. Good night!
Day 3 Total: $307
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Day 4 (Tuesday):
7:30: Kids and I sleep in a bit this morning. My husband left home around 5:45 since he’s going into the office, so the three of us are on our own. For breakfast, the toddler has toast and berries. The preschooler has bran cereal and a frozen waffle. I eat their scraps, washed down with coffee.
9:15: I drop the kids off at daycare a little late this morning. Then I get working and practice the presentation I’m giving at 11:00
12:05: Call is over and I think it went as well as could be expected. I make myself a turkey sandwich for lunch. Then I go to the post office to mail a birth certificate request for our youngest daughter’s passport application. The cost for the birth certificate is $50. I also spend $15 at the post office to mail the envelope and buy stamps. Then it’s back to work.
5:10: Pick the girls up from school. My husband gets home around 6:45. Dinner tonight is a tofu and broccoli stir fry with rice. I don’t cook much, but I make this meal weekly and it’s everyone’s favorite. The secret is using soy sauce that is seasoned for seafood. It has a much deeper, richer flavor than standard soy sauce.
7:30: Bathtime and bed for the girls. I text with a mom from daycare whose kids are the same age as ours. We arrange a playdate for an upcoming weekend. I’m hopeful that she and I will develop a friendship – making friends is hard when you’re an adult!
9:10: I debate doing schoolwork or “work work.” Schoolwork wins tonight…I spend about two hours prepping a case study.
Day 4 Total: $65
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Day 5 (Wednesday):
5:30: Wake up and start working. I still have a lot of deliverables to catch up on. Husband leaves as usual to commute into the city.
7:00: I get an email and text message that daycare had to close today due to unforeseen circumstances. There was an issue with their plumbing that impacts the whole building. Oh no – I immediately feel a pit in my stomach. I really can’t afford this today, especially because I am out this Friday for another day of class. Although our preschooler is pretty independent, our toddler needs constant supervision. She’s always a moment away from jumping off a couch, climbing on a table, or otherwise causing herself bodily harm. My husband has multiple meetings with his division president today so he can’t realistically come home to help. Argh. I feed us all breakfast and prepare myself for a difficult day. I send my boss an email to let him know the situation, but promise to stay on top of my work after hours as needed. I also log a half day of PTO in the payroll system…I figure I can probably be about 50% productive today.
10:00: Our toddler falls asleep for a nap, so I frantically send out emails and run reports. Our preschooler watches shows on her tablet.
12:15: Toddler is up from her nap. Our poor preschooler has been on her tablet for too long and her eyes are glazed over. I decide to take the girls out for lunch to break up the day. We go to Jersey Mikes since it’s nearby and fast. The girls each have a kids meal and the toddler is delighted that it includes a kids cup. I have an Italian sub ($29). We eat outside and the preschooler hums and loudly proclaims "I love Jersey Mike's!"
1:30: We get back home and I jump on an internal call. Thankfully the girls are well behaved and don’t cause any disruptions, beyond waving hello at the start of the call.
3:00 I have another call and the girls are again on their best behavior. PTL. Maybe I’m just lucky, or maybe it’s that I bribed them with cookies.
4:45: I wrap up the workday a little early. I take the girls on a walk since the weather is nice. When we get back inside, they immediately melt down. The toddler wants to be held constantly, which is a challenge because she weighs 24 pounds. The preschooler is thrashing, spitting at me, and throwing toys. I resist a really strong urge to scream or cry or break something or hide in the bathroom – maybe all at once. Instead, I heat up one of the meals my husband made earlier this week. When our preschooler calms down, she asks if I still love her when she’s bad. She’s been asking this question a lot recently, and it makes me wonder if it’s just a phase, or if she needs more reassurance from us. Either way, it's heartbreaking to know she worries about this.
7:30: Husband had a late meeting, so he gets home later than normal. We do the girls bedtime and bathtime routines. We get another note from daycare saying that the plumbing issue is, unfortunately, still unresolved. We’ll get a tuition credit, but they will be closed another day. Husband and I talk through logistics. We agree that he’ll go into the city again tomorrow and I’ll handle the kids. His company is in the middle of a major reorg and it’s important for him to be there in person. We decide to ask his parents if they are available to help tomorrow. Between work, the kids, and my grad program, sometimes I feel like the only thing we talk about is logistics. It’s been at least 6 months since we’ve been on a date.
10:00: I catch up on work, and also prep for school this coming weekend. I go to bed a little after 1:00.
Day 5 Total: $29
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Day 6 (Thursday):
5:45: Husband is up and out of the house at his normal time. I wake up and run some financial reports while I have the chance.
7:30: Kids are awake. While they eat breakfast I pack their activity bags and snacks since we’re going to my in-laws today. They are semi-retired and often help when we have childcare hiccups. They are truly a godsend. They live about an hour away and we arrive at their house a little after 10:00. On the way, I fill my car up with gas ($52).
12:30: The girls are having a blast with my in-laws. We take a break for lunch, which is chicken nuggets and hummus for the girls. I eat their scraps and also have some Greek yogurt.
4:15: I have a full afternoon of calls, but it goes smoothly thanks to the grandparents. We leave a few minutes after 5:00 and both girls fall asleep before we reach the first traffic light. This makes for a peaceful drive home. Traffic is heavy so we get home around 6:30. I open the mail, and find a surprise medical bill for $572. This is for the toddler’s trip to the ER…14 months ago! This is the first bill we are getting and honestly it had completely slipped my mind. She had a triple infection and ended up severely dehydrated. Seeing this bill dredges up all sorts of unpleasant memories. I’m grateful we have the means to pay this without issue, and I’m grateful she is healthy. I understand it's a privilege to pay a bill like this without thinking twice.
6:45: Husband arrives home. We reheat a pasta dish he made earlier this week and have a salad on the side. The girls are beat today, so we skip bathtime and let them go straight to bed. Thankfully, daycare can reopen tomorrow. I feel like a weight’s been lifted from my shoulders, especially since I have class tomorrow.
9:00: I have a call with my school study team to work on our group project. It lasts for about an hour.
10:30: Husband and I discuss buying a swing set for our backyard. He’s narrowed it down to two choices, and they’re both awesome: three swings, a rock wall, slide, and clubhouse area. I think they both look great, so I leave the final decision in his hands. The total with shipping and tax ends up being $1760. We considered buying a pre-assembled swing set to save time, but similar models cost nearly $6K. He’s handy, so he said he’d prefer to assemble it himself.
Day 6 Total: $2,384
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Day 7 (Friday):
6:15: I have class today so I eat breakfast and get dressed early. I tend to wear a lot of athleisure when working from home. Today I put on a structured ponte dress and hastily apply Tarte makeup to give my skin some color. Every time I make the effort to get dressed, I'm reminded that I really do feel more confident when I look put together. I get to school around 9:00 for my first class.
12:00: Break in my schedule for lunch. I eat a salad and some kind of chicken dish, while catching up with classmates (covered by tuition). For dessert, I have a huge bowl of berries. Lots more coffee to keep me awake and engaged during class.
7:00: Classes are over for the day. I pay parking ($17) and am on my way. I get home at 8:30, in time to do bedtime with my girls. Husband made veggie quesadillas with black beans and guacamole, which I eat once the girls are asleep. I check my work email to make sure nothing is on fire. Then my husband and I watch an episode of “What We Do In the Shadows” and turn in for the night.
Day 7 Total: $17
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WEEKLY TOTALS
Food + Drink: $371.50
Fun / Entertainment: $2,106
Home + Health: $572
Clothes + Beauty: $0
Transport: $333
Other: $155
Weekly Total: $3,537.5
Reflections: Some of this week’s expenditures were unusual: the swing set, my travel expenses, and that old ER bill are not part of our normal recurring expenses. However, the rest of this week's spending was pretty typical. I realize a lot of this diary revolved around sorting out childcare disruptions…honestly, that takes so much mental and logistical energy on a weekly basis. Writing this diary also made me realize how little time my husband and I spend together. Often we feel like we’re in survival mode, but we need to be more intentional about prioritizing our relationship.

Throwaway because husbands ex stalks.
Here goes. We have a house valued at 450k, 4.25% mortgage. Owe 204. No car loans, pay all credit cards monthly. Mortgage is only debt.
We have 120 liquid; 30k emergency fund. We are 37 and 38.
We have IRAs and 401ks. Leaving those out for now for simplicity but they are managed by a trusted financial advisor and he feels confident that we are on track to at least retire in our late fifties. But, we want to be financially independent and have money working for us as soon as possible and build our future.
We are faced with a big decision w a lot of moving parts. We need to move closer to my sons school, and really are out of space in this home, it was never meant to be permanent (husband and I both have 1 son each and married during the pandemic when houses were so wacky).
We found a house we love next door to my sons school. He’ll be in 4th, the school goes through 8th. My step son will now have to be driven to his school but we drive him less often (50% custody) so gas-wise it makes more sense even though we can currently walk him.
The desired house is 725-800k. Has income potential by way of a rental unit attached separate entrance. It is a new build with a big national builder (not free of problems but imho none are).
At 10% down, we’d be looking at an almost $5000 payment. The builder is offering a mortgage rate of 5% permanent 30yr.
We currently pay $1800 on our home in PITI but set aside $3200 to see how it felt, and it’s fine. That’s been happening for maybe a year now and we have just been saving it.
We can rent our current home and “profit” at least 1k (granted we will be landlords and have to keep some for repairs and vacancies). A hopeful but reasonable ask for rent here is $3000. Lots of updates, decent neighborhood.
We can rent the ADU on the new property for about $1400.
So that scary $5000 mortgage seems less scary with these two revenue streams and it also opens the door to landlording/semi passive income which we want. And we drive less and gain more space for the growing boys. We are also looking at other ways to make revenue with our advisor which is why we prefer to do 10% down over 20%, we’d like to keep some cash to put in stocks or principal protected structured income notes.
Is the new home a mistake because it’s just so expensive? Do we stay in a home that feels to small cuz it’s so cheap and just invest like crazy?
If we move, we see the current home as going 2 ways. an income stream for 2 years before we sell and reinvest the money, or keep as rental long term. Either way with the low interest rate we see it as a good investment to at least keep for 2 years while monitoring the market.
Goal is passive income, money that earns itself, work outside and with our hands and away from desk jobs as soon as we can. We have dreams of hobby farming (we spend all spare time gardening and chicken tending and building now).
I have a side hustle in addition to a FT job, cant logically take on any more work or anything as I’m already so stretched for time. But the side hustle is good assurance against any unforeseen issues with jobs in the future, although we feel relatively stable in our careers. We make about 165000 gross per year without my side job (this is currently bringing in an extra 10 or so per year). I have several very employable career options as I’ve got a strong background in both marketing and high end executive assistant work, as well as paralegal background.
Any advice is so appreciated!!!

Throwaway because high conflict ex stalker.
Here goes. We have a house valued at 450k, 4.25% mortgage. Owe 204. No car loans, pay all credit cards monthly. Mortgage is only debt.
We have 120 liquid; 30k emergency fund. We are 37 and 38.
We have IRAs and 401ks. Leaving those out for now for simplicity but they are managed by a trusted financial advisor and he feels confident that we are on track to at least retire in our late fifties. But, we want to be financially independent and have money working for us as soon as possible and build our future.
We are faced with a big decision w a lot of moving parts. We need to move closer to my sons school, and really are out of space in this home, it was never meant to be permanent (husband and I both have 1 son each and married during the pandemic when houses were so wacky).
We found a house we love next door to my sons school. He’ll be in 4th, the school goes through 8th. My step son will now have to be driven to his school but we drive him less often (50% custody) so gas-wise it makes more sense even though we can currently walk him.
The desired house is 725-800k. Has income potential by way of a rental unit attached separate entrance. It is a new build with a big national builder (not free of problems but imho none are).
At 10% down, we’d be looking at an almost $5000 payment. The builder is offering a mortgage rate of 5% permanent 30yr.
We currently pay $1800 on our home in PITI but set aside $3200 to see how it felt, and it’s fine. That’s been happening for maybe a year now and we have just been saving it.
We can rent our current home and “profit” at least 1k (granted we will be landlords and have to keep some for repairs and vacancies). A hopeful but reasonable ask for rent here is $3000. Lots of updates, decent neighborhood.
We can rent the ADU on the new property for about $1400.
So that scary $5000 mortgage seems less scary with these two revenue streams and it also opens the door to landlording/semi passive income which we want. And we drive less and gain more space for the growing boys. We are also looking at other ways to make revenue with our advisor which is why we prefer to do 10% down over 20%, we’d like to keep some cash to put in stocks or principal protected structured income notes.
Is the new home a mistake because it’s just so expensive? Do we stay in a home that feels to small cuz it’s so cheap and just invest like crazy?
If we move, we see the current home as going 2 ways. an income stream for 2 years before we sell and reinvest the money, or keep as rental long term. Either way with the low interest rate we see it as a good investment to at least keep for 2 years while monitoring the market.
Goal is passive income, money that earns itself, work outside and with our hands and away from desk jobs as soon as we can. We have dreams of hobby farming (we spend all spare time gardening and chicken tending and building now).
I have a side hustle in addition to a FT job, cant logically take on any more work or anything as I’m already so stretched for time. But the side hustle is good assurance against any unforeseen issues with jobs in the future, although we feel relatively stable in our careers. We make about 165000 gross per year without my side job (this is currently bringing in an extra 10 or so per year). I have several very employable career options as I’ve got a strong background in both marketing and high end executive assistant work, as well as paralegal background.
Any advice is so appreciated!!!

Bought a house for $2M 6 months ago. Loan remaining is currently around 1.5M @3.2% -7 ARM
Parents are sending around $20k as they just have it not being used for anything and they want to help us pay down the mortgage so that we don’t pay more towards interest and more goes to principal.
I’m not sure how much $20k will actually help towards reducing interest portion since it is small relative to loan amount.
Thankfully, my spouse and I are high income individuals and don’t have any problems paying monthly mortgage.
The dilemma I am having is that this $20k is being sent from a third world country where my parents have earned it over many years. $20k is more equivalent to $150k in their country and they want to send it over and specifically towards our house.
Should I do it? Or keep my low interest loan and invest in VOO or something. I understand this is in the end personal but wanted to hear opinions from others who may have been in similar situations.
Edit: I think I painted a wrong picture. They are retired and living very comfortably. The $20k is a year or so worth of their income before they retired. It is just sitting in a bank doing nothing. They have pension and rental income as well. I told them to give me 0 inheritance but they really want to give it as they feel it is their way of showing love. Been saying no for 2 years for them sending money but now I have no choice.

I live in section 8 low income housing and they've been evicting a lot of people. someone even across the hall from me for having a small grill and grilling right outside his side of the apartment.
For some hours I was hearing loud music an smelling BBQ but thought the BBQ smell was coming from houses close by but I look out the window in the living room when I walked out there and saw someone standing right next to my window (centimeters few inches away) talking on their phone with a grill barbarian.
I'm scared I'll get kicked out if the leasing agents see or hear about people using a grill outside and mistakenly blame me (they can see the outside of the apartment building from their office)
I tried to record the people outside because it ended up being a group but they are so close to my window that I only got 2 few second videos of a few of the people because they'd notice me staring outside of the window both from the living room and bath bedrooms.
So I have little evidence If the landlords think it was me but I don't know if that is enough proof or what I should do.

I am fairly flush with cash from sell of a business. Going to move from Colorado to Florida. I will still earn so Florida being a no income tax state is great. I will pay cash for a home. If I buy a home the way I want with a pool and completely updated I will naturally have a high property tax bill year after year. I am trying to strategize how to keep property taxes low. I see that you can homestead in Florida and property taxes can only go up if each year the lesser of CPI or 3%. Therefore I am thinking the best strategy would be to buy the least expensive home I can in the area I want, and then add pool and remodel after 1st assessment. This would allow me to ultimately end up with the home I want, albeit after going through the hassle and time of renovating and additions, but with the lowest re-occurring property tax bill. I would probably end up with paying the same amount for the home ultimately, but savings would be realized each year with a lower tax bill. I need someone familiar with FL property tax to let me know if this strategy would work or not. Seems like a no brainer, but I know govt as a general rule does not lose so I am thinking there must be something I am not considering?
I thought to ask here because there are a lot of intelligent minds here that think of ways to keep fixed overhead low

Had a tough time the last 18 months after shifting a significant amount into Block, and the current balance is sitting at around 60% of the investment. Block has always been a stock in the past that regularly dropped or gained around 5% for multiple days in a row and this enabled me to increase my stake by selling and buying at the right point, however this volatility has dropped off since the short selling firms report that caused a 20% drop overnight (dubious by all accounts but the market reacted).
I was originally looking to buy an investment property at the end of the 2022 however held off due to rising interest rates and incidence of decreasing prices off the back of the Covid spike and increasing interest rates. At this stage I believe this was a correct decision given properties average 1 to 1.5 million around here.
I have three things in mind at this point:
- Hold the shares (I have 900) as analyst projections are averaging $90USD (mid band), which if is correct will allow me to recoup. Company reports are expecting increased quarterly earning and net income. Block continues to be a strong fintech however there is a lot of economic instability. In the interim I'll save money to a high interest cash account as I need a low risk haven.
- Sell the shares noting it is entirely possible they could go down further, and move on. I'll admit post the report drop of 20% (this has never happened and I've owned Block for over two years) owning them has been tough. Save money and take it as a life lesson.
Both options will have an outcome to buy a house and I'd expect this would be considered in the next 12 months.
Appreciate your thoughts .

https://docs.google.com/document/d/1U7h3OsE_X4yJiSuyv_v9IBmN4CsLTZ-p6gcZLBxwPDw/edit?usp=sharing
Avila Energy: A Special Situation Investment with Potential for a 1450% Return
Penny Queen pick 05.29.2023
TL:DR Avila is a profitable oil and gas company in Canada with preferred, North American rights to the Ener-Twin consumer power plants. This clean technology is projected to generate gross sales of up to $25 million in 2024. Avila has entered into a business combination agreement to uplist to the Nasdaq through the $INAQ SPAC. I place the value of Avila around 30 cents US without the SPAC. Completion of the SPAC could put the share value at 85 cents US.
Because I see the company as being undervalued, and because Avila would also have to pay a penalty to break the agreement, I see this special situation as less risky at this price point. As a reminder, the PQTF peak gains on the prior three special situation stocks have been 146%, 889% and 1370%, but had major issues that if played incorrectly, could have cost people a lot of money. As always, prior performance is not indicative of future performance. I do have a position and intend to do more purchasing and will continue to re-evaluate. As always trading is risky, this is not advice and I am not a financial advisor.
I have done my best to represent the facts as I know them, if you find any errors, please let me know: [[email protected]](mailto:[email protected]) I have also created a subreddit and will have a channel available in the Penny Queen Discord. XO, PQ
Avila Energy (CA: VIK, OTC: PTRVF), an established Canadian oil and gas producer, is on the verge of a potentially transformative merger that could bring immense rewards for its shareholders. The company has agreed to combine with Special Purpose Acquisition Company (SPAC) Insight Acquisition (NYSE: INAQ).
The proposed transaction, as detailed at the link below, will allow for Avila to up-list onto the Nasdaq, enhance its ongoing carbon-neutral business strategy, and further strengthen the capitalization of the company with an expected combined entity market cap of over $190 Million.
This article will discuss the specifics of the deal, Avila's potential to diversify its revenue stream, and how it presents a rare special situation investment opportunity that could potentially lead to a total return of 1450%.
A Breakdown of the Deal
The Avila and Insight Acquisition merger is a complex one, but is potentially extremely lucrative for existing Avila shareholders. Under the agreement, Insight will continue from the State of Delaware to the Province of Alberta and acquire Avila in an amalgamation pursuant to a court-approved plan of arrangement under Alberta law.
According to the agreement, the fully diluted common shares of Avila, currently numbering 150,540,414, will be exchanged for 12,580,000 common shares of Insight Acquisition. This exchange ratio translates to about 11.97 shares of Avila for each share of Insight Acquisition.
Avila shareholders will own the following interest in the post-closing combined company:
100% Redemption (Proceeds retained from trust of US$ 1,250,000) 67.2% by Avila's shareholders;
50% Redemption (Proceeds retained from trust of US$15,781,215) 62.4% by Avila's shareholders;
0% Redemption (Proceeds retained from trust of US$29,062,430) 57.9% by Avila's shareholders.
At present, Avila shares trade at USD $0.0588 (5.88 cents), while Insight Acquisition shares trade at USD $10.23. However, given the merger and based on the exchange ratio, the post-merger price for each Avila share is projected to rise to around $0.855. This implies a staggering potential increase of up to 1450% for Avila shareholders, and forms the basis of the arbitrage opportunity that Avila presents as a special situation investment.
Avila Energy and Its Future
Looking beyond the merger, Avila Energy presents an interesting opportunity as a stand-alone company
Avila's strategic growth plan is divided into three phases:

1. Upstream, where it plans to invest towards becoming a low-cost, carbon-neutral energy producer.
2. Downstream, diversifying its revenue stream through the development of direct-to-consumer sales, aiming to boost demand, margins, and profitability.
3. Providing customers with the option to convert to Avila’s developing hydrogen-fueled solutions, expected to be commercially available in 2027, as part of its Corporate Vision.

The company has a diversified and growing portfolio of 100%-owned and operated wells, three oil and natural gas processing facilities, 150,000 acres of leased exploration rights, and over 300 kms of gathering and sales pipelines.
The P&L displays robust numbers with $3.08 M in net revenue, more than 50% margins, with the majority of the revenue attributable to clean burning natural gas.
Avila currently has a 2P valuation of CAD $30.7 Million and a 1P valuation of CAD $7.8 Million with a current market cap of CAD $8.9 Million. As of year-end 2022, the company also had CAD $6.5 Million of cash, CAD $2.067 Million of Debt, and a positive shareholder equity of CAD $53.17 Million. These third-party audited reserves, as presented below from Deloitte, are a vast value relative to the company’s current market cap.
Reserves Highlights
Avila Energy’s reserves on a Proven + Probable basis (2P) for the Company is 5,256,100 BOE valued at CAD$30.734 million based on a net present value discounted 10% before income taxes (NPV10% BT).
The CAD $30.734 million is an estimate of future cash flows and do not necessarily represent fair market value and is supported by a sustainable capital program of CAD $10.432 million for proved reserves and CAD $17.517 million for proved plus probable reserves.
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https://preview.redd.it/3bfnxbqdcw2b1.jpg?width=1360&format=pjpg&auto=webp&s=8c83fa15815027075bbc93e11ff2ac45590928ca
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https://preview.redd.it/m53saspecw2b1.jpg?width=1360&format=pjpg&auto=webp&s=6dc1c6f29887627a97f19ce10b5bc48d1a1ca51c
Clean Energy Future
Moreover, beyond being a traditional oil company, Avila is set to launch its “Vertically Integrated Energy Business, through its partnership with MTT. Supported by over a decade of R&D, including Avila's equity investment in Micro Turbine Technology (MTT), this venture promises to leverage innovative cleantech. Avila is aiming to deliver its first direct-to-consumer energy sales in North America in 2023. It also is targeting net-zero tier 3 (scope 3) CO2 emission energy for consumers by 2027.
The EnerTwin is a small, environmentally friendly power plant that simultaneously produces heat and electricity using the smallest gas turbine in the world. It runs on natural gas, LPG, biomethane, and hydrogen mixes, and thereby facilitates the energy transition to a low-carbon future in buildings.
Avila Energy says it has purchased a license for the manufacturing and marketing of the EnerTwin in the North American market. Beginning in 2026, Avila plans to sell 50,000 EnerTwin systems in North America as part of an integrated offering that also includes the provision of energy to their end customers.
To achieve this goal, the company has laid out the following timeline:

1. 2nd quarter of 2023 the preparation and filing of the application for the Canadian Standards Association (“CSA”) and Underwriter Laboratories (“UL”) Certifications for the EnerTwin in North America, based on past applications for CSA approval of KIWA certified equipment. The Company has estimated that this process is anticipated to 10-12 months in duration. 1st half of 2023 the commencement of pre-sales and servicing of the EnerTwin that are conditional on the Company attaining CSA and UL approval. In the event that the CSA and UL approval is not attained, the sales would be refunded to customers.
2. The development of the Company’s manufacturing of the EnerTwin, including the assembly or 3rd part manufactured subassemblies and the final testing prior to shipping to the customer. The ramp up of this manufacturing facility is to be completed in parallel to the CSA approval, with the first 100 installations being demonstration installations to be replace by CSA approved equipment within targeted markets in North America utilizing the EnerTwin as KIWA Certified equipment.
3. Initial contracts are anticipated to be executed 3 months after receiving CSA Certification.

The Company’s Vertically Integrated Energy Business is based on the following assumptions:
a) Power, Heat, Cooling and Daily Transportation in one invoice;
b) Reduce Consumers Carbon footprint by 40% and save the consumer money;
c) Mitigates concern for brownouts and protection from increasing transmission fees;
d) Fixed Contract plus only an annual inflation adjustment; and
e) Capacity to transition to Hydrogen in the future.
The Company’s long-term goal is to allocate a portion of its natural gas production to its newly acquired customers as a source of fuel with the cost of energy being billed to the customer at a fixed price plus an annual inflation rate adjustment. The Company’s strategy is to include the delivery of fuel and the maintenance, under long-term contracts that offers price stability. The Company plans to continue to still sell their current suite of customers in addition to the newly acquired customers from the Vertically Integrated Business.
The Company assumes early market development will qualify for government subsidies both in Canada and the United States as an efficient upgrade and or substitute for current heating and cooling. For example, the Company anticipates that the EnerTwin will qualify under the existing Canadian Greener Homes Program which will offer rebates on eligible home retrofits.
Conclusion: A Rare Opportunity
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30 years of this Motormouth
On three decades of cars, controversy, and cow dung at the Sunday Times (May 28)
By Jeremy Clarkson
Thirty years. That’s how long I’ve been writing for The Sunday Times. When I joined the paper, back in 1993, John Major was in power, Neil Kinnock was a fan of Ford Sierras, they were still digging coal out of the ground in Yorkshire and other columnists on the paper included AA Gill, Michael Winner and, not long afterwards, Tara Palmer-Tomkinson.
I’m the only one left now. Still here. Still bashing away at the keyboard. And still feeling like a fraud. I went recently to a party celebrating the newspaper’s 200th birthday and during a film that had been made to commemorate the milestone, I was left reeling at the amount of truly important stories it had broken over the years. And the journalistic colossuses who’d translated these shapeshifting events into readable, punchy prose.
Me? Well, I got a job in journalism — on the Rotherham Advertiser — simply because my grandfather, a doctor, had gone out during an air raid in the Second World War and delivered the editor’s first baby. “I’ve always wanted to pay him back,” he said, “so you start on Monday.”
He sent me on a block release course to learn the tricks of the trade and I was terribly shit at everything. I only managed to pass my 110-word-a-minute shorthand exam by using a two-speed tape recorder and very long hair to cover up the secret earpiece. But while there I did meet a chap from the Harrogate Herald who told me about a great gig. If you could get a motoring column in the newspaper, carmakers would send you a brand-new model every week, fully insured and brimmed with fuel. All you had to do to keep the gravy train running was say how brilliant it was.
So I became a motoring journalist — that’s the profession’s bottom rung, just below being a travel hack. And that was fraudulent too because I had no clue how a car works. Back then my peers and colleagues in the specialist motoring press would talk about gear ratios and steering racks and tread shuffle, and I had literally no clue what they were on about. In my mind you turned the key, witchcraft happened and you moved about. The gearbox? That was pure sorcery.
In some ways this ignorance helped, because if you know how a car works you aren’t all that surprised when it does. With me, I always have a boyish, tinkle-grabbing excitement when I push the throttle pedal and the whole car moves. It excites me. And I don’t think that excitement would be there if I were on some kind of a know-how par with the engineers who’d made it possible.
To get round the problem of not knowing what I was talking about, I wrote mostly about how a car made you look and feel. And that seemed to go down quite well, so pretty soon the gravy train became a foreign junket jus train as carmakers started inviting me to product launches. A lot of product launches. In the mid-Eighties I spent more time in Cannes and Barcelona than I did at home. And all I had to do in exchange for all the private jets and champagne was write a piece saying that the car made me feel and look very nice. And that it would do the same for you too.
At one of these product launches — for the Citroën AX, in case you’re interested — I bumped into a BBC producer who asked me to appear on Top Gear, and pretty soon I was so busy doing that, I didn’t have time to go to Cannes and Barcelona any more. Which meant I had nothing to lose and could say what I liked.
Many of the carmakers didn’t like me saying what I liked, so an association of car industry press officers despatched a chap from Ford called Harry Calton to speak to my bosses. They told him that my directness was bringing more viewers to Top Gear and that this was good for the motor industry. Which in turn was good for Ford. He agreed and pretty soon I was rushing about, refusing to review the Vauxhall Vectra because it was too boring. And likening the new Toyota Corolla to a fridge-freezer. And saying that the Ford Scorpio looked like a slightly melted waxwork model of Marty Feldman.
This brought me to the attention of The Sunday Times, which asked me to do something similar in print. Which is quite an achievement if you think about it. Being asked to write for one of the most prestigious newspapers in the world, on a subject about which I knew nothing.
I couldn’t even drive very well back then. This was a bit of a hindrance, because to write about how a car behaves “at the limit” you have to be able to take it to the limit, and to find out where that is you have to go beyond it, which meant doing some kind of skid. It was my old colleague Tiff Needell who taught me how to do that, at Kemble airfield, in a Lamborghini Murciélago.
I still don’t do it properly. Instead of using power to break traction at the back, which is what the professionals do, I use too much speed. I arrive at the corner far too quickly, lift off the throttle to pitch the weight of the car forwards and therefore reduce traction at the back, and then turn the wheel while rubbing some rosaries. It’s messy and smoky and scary sometimes, especially when you’re doing it three feet from the back of a camera tracking car. But it looked good on television, and it convinced millions of people that I was some kind of cross between Ayrton Senna and Adrian Newey, all wrapped up in a sandwich filled with idiotic metaphors and similes.
Soon The Sunday Times asked me to start writing about other things as well, which is how I ended up with Adrian Gill, in Baghdad, in 2005, reporting on the Iraq War. I was useless at this as well, choosing to use hyperbole instead of actually finding stuff out. “There were a hundred million soldiers” is so much easier than calling the MoD and finding out how many there really were.
I also had a terrible nose for news. Back in the autumn of 2013 — I did look that up — I was in Kyiv doing some kind of Top Gear live show when I received a call from a different editor of The Sunday Times, asking me to go down to Independence Square to see if the protests were as big as he’d been led to believe.
I was thrilled because this was my big chance to be a proper hack, at the pointy tip of a breaking story. So off I went with a notebook and no pen. No journalist ever has a pen. And having talked to the lone policeman and signed autographs for the six rather bored-looking protesters, I called the editor and said the whole Russia/Ukraine thing was a nonstory.
Incredibly, after 30 years on the paper, I’m still here. But will I still be kicking around after 40 years? With cars I think not. I recently borrowed a 2005 Ford GT and, on a beautiful spring evening, I took it from Chipping Norton to Badminton House, along some of the loveliest and quietest and fastest roads that Britain has to offer, and I truly loved it. But in the not too distant future drives like that will simply not be possible. And cars like that will be gone. It’ll all be 20 mph and giving way to cyclists and pulling over for 60 hours to fill up the batteries. And I want no part of that.
I may not know how proper cars work. But at least they interest me. The new breed? I have even less of a clue what makes them move along and I find them all to be more boring than Jane Austen giving a four-hour talk about Chaucer.
When I began doing this columnism lark you could say that the combustion engine was brilliant and that men can’t have babies. These days, though … you can still say those things. It’s just that now people get very angry with you. And I like that because I’ve always liked throwing rocks in ponds. It’s all I’ve ever done, really. Tried to mess things up. It’s been fun.
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Does the red trouser mob speak fluent nimby? You better you bet
By Jeremy Clarkson (Sunday Times, May 28)
I have some experience of not getting planning permission, and what I’ve come to understand is this: whether you want to build a conservatory, or a funeral home, or a nuclear power station, you’ve got to get the language right. Sustainable. That’s an important word. Your conservatory may feature window frames made from depleted uranium, but that doesn’t matter if you describe it as sustainable. And mental health. That’s critical. You need a sustainable sun room full of eco-plants because it’s good for your mental health. Plus you will empower the local building trade in a way that will be “transformative” to the low-income “community”.
Sadly, however, no matter how well versed you may be in modern government-speak, you will come up against a neighbour in red trousers who knows the even more powerful language of nimbyism. And he’s going to say that your new conservatory will cause more “pollution”, “traffic” and “noise”. That’s the holy trinity for those who worship at the altar of Laura Ashley. And if that isn’t working, they’ll wheel out the trump card: dark skies. They’ll argue that your new conservatory will cause light pollution, and then, I’m afraid, you’ve had it. Especially if there’s even a suggestion that you might harm a bat.
All of which brings me on to the Duke of Beaufort. He recently applied for permission to stage two summer concerts in the agreeable grounds of Badminton House — the Who and Rod Stewart, in case you’re interested. And I’m sure his representatives used all the right words.
They’ll have glossed over the fact that it’s bloody expensive to run a big house and new income streams are necessary, because that sort of argument doesn’t sit well in a country where anyone with a big house is wrong. That’s the law. So the duke’s advisers will have relegated the business angle to page 12 of the application and concentrated instead on how the sustainable, low-impact, green events will empower the low-income rural community and boost the mental health of the region’s bats.
Sadly, though, the duke’s neighbours are not just well versed in the language of nimbyism. They are fluent — they are past masters — in the art of objecting. So they started by pointing out there’d be increased traffic in the area and that noise would “reverberate” in nearby villages — presumably causing many bat deaths and “mental health issues”.
Naturally, they also said the concertgoers would engage in “rowdy behaviour”, even though it’s the Who and Rod Stewart we’re talking about. Most of the audience will be in their sixties, and when Roger Daltrey sings, “The kids are all right”, they’ll turn to one another and say, “They really are. Henry’s a commodity broker now, and Harriet is doing ever so well at Freuds.” Then, when it’s all over, they’ll go back to Stanton St Quintin in their Teslas, and Keith Moon will not head over to the local hostelries to blow up the lavatories because he died 45 years ago.
Fearing perhaps the council might cotton on to the fact the audience are extremely unlikely to drive their cars into the nearest swimming pool, the red-trouser people decided then to open up with sustained machinegun fire. Crime. Disorder. Public nuisance. Emergency services. Road safety. Pandora’s box. This was the Middle England playbook, and if they’d stuck to it, they might have got somewhere.
But they got high on their own supply and became silly, saying, “With 11 to 12 hours’ drinking licences, drunks will camp overnight . . . increasing the potential for a major fire incident.”
Right. I see. So this 65-year-old reveller overdoes it on the noon balloons and the Whispering Angel, puts up a tent he’s somehow smuggled into the venue and then, using some of the kindling he’s brought from the wicker basket in his snug, gets a fire going, which, despite the constant rain that goes hand in hand with British summertime concerts, somehow turns into a major Australia-style inferno that completely engulfs three neighbouring villages and ruins the dark skies for miles.
It’s the most preposterous argument I’ve ever heard. There was, once, a fire at an outdoor gig. It was caused by a faulty light on the stage and was quickly extinguished using stamping and a blanket. No one was injured and Bruno Mars was back at the mike eight minutes later. So the fire argument doesn’t wash.
And I’m delighted to say the duke’s local authority saw it for the nonsense it was and gave the gigs the go-ahead. And before you write in saying, “How would you like it if your neighbour invited the Who to perform in his garden?”, I’d say: “I’d like it a lot. Especially if they bring some lasers and do 'Baba O’Riley'.”
I fear, however, that this is not the end of the story, because now “sustainable” has been balanced out by “traffic”, and “empowering” by “light pollution”, the red-trouser brigade is going to become increasingly desperate in its constant battle to keep Britain as it was in 1957.
Mr Sunak announced recently that planners will be encouraged to look favourably on rural schemes, but they’re going to be up against a tub-thumping army that will quickly recognise that the fire argument was a bit of an oxbow lake and will start to argue that the new housing estate for the low-income community will cause a plague of luminous locusts that will spoil the dark sky. Or that it will attract immigrants who all have ebola. And that your longed-for barn conversion is actually a Russian missile silo capable of turning all of Chipping Sodbury into a nuclear desert for the next 10,000 years.
________________________________________________________________________________________________________
The Driving website of the Sunday Times has also published a freely accessible interview with Clarkson, on his 30 years at the paper. It's part of a larger feature that also reproduces several old columns.
And here's the Sun column: "Three things bother us in the UK..."
Clarkson's columns are regularly collected as books. You can buy them from his boss or your local bookshop.

Good evening all,
This topic has been bothering me for some time, and I am interested in canvassing your opinions, as you (collectively) span the income range from "NEET" to "gentleman of leisure."
​
Note: this isn't a "woe unto my singleness" post. While companionship and sex are nice, this is largely a "material consequences" post dealing with a very foreseeable reality that I/we will spend much or all of our lives single.
I've been struck over the years by how upper middle class and heteronormative most advice on long-term planning is. Double incomes, stable-ish relationships, significant education, homeownership in the burbs, and a "normal" life (kids, careers, retirement) are assumed.
I am equally struck at how the 'grand calculus' therein doesn't factor in gay men. While I don't have data, I'd think that our non-marriage relationships aren't as stable (trauma, rejection, take your pick). I'd guess that we rent longer. The 'single tax' is omnipresent from groceries to rent to bills. I'd wager that our striving to live in gay-friendly areas imposes additional costs, as urban costs-of-living have always galloped well ahead of borderline-BS inflation stats. Healthcare, for us Americans, remains byzantine in its bureaucratic labyrinths and the perpetual boutique curation involved with finding gay-aware and gay-affirming healthcare. PreP is or should be de rigeur for non-monogamous, sexually active men and may carry collateral consequences (I have heard of collateral issues with private insurance for guys with PrEP & its consequential coding involved in obtaining the script).
The asset/equity building of home ownership seems ever more elusive, given (gestures to everything in housing costs).
The sense of precarity is overwhelming. What if one is out of work for a long time? What about long-term disability due to cancer, etc?
Looking forward to retirement and advanced old age (esp. 75+), the scene portends difficulty and grimness. Last year, my grandmother passed at 90 from a brain bleed (a mercy versus hanging on for years in her degrading physical and cognitive condition). Our relationship was strained, at best, post-coming out. My grandfather and extended family rallied for her at the end. My grandfather, himself 90 now, handled *all* tube feedings, medical scheduling, toileting, showering, and laundry in addition to managing a substantial and complex financial portfolio including millions in investments and two homes in FL and NY. My aunt, uncle, cousin, and sister flew in and out from NY and FL to provide material, pastoral, and respite care.
I foresee none of that. My family ties are estranged, and my non-desire/inability to be a father (and if fate provided, grandfather) obviates a gaggle of descendants for a last long hurrah. While one can say, "Buy LTC insurance," no one who's been a caretaker will say that that covers everything. What about shortish term but acute conditions where you need a ride or someone to fetch groceries? Substituting uber or postmates, etc strains the pocketbook. As a victim/survivor of 2008 and its impact, even a comfortable white collar life today is no guarantee of what tomorrow holds.
My great-grandmother could park money in CDs (term deposits for my non-US Anglo bros) at 14% p.a. Now, prevailing financial advice suggests varying levels of active investment to maximize gains and provide an income stream. Sadly, I am at a point in life where "money in" is generally spoken for for everything from upcoming bar prep expenses next year, to tires by the end of the summer, to rent this month, to a replacement laptop by Christmas, to a new suit or two next summer, etc etc.
Career-wise, I have been drawn into "decent" but non phenomenal pay as a lawyer in "public interest" (do-gooder stuff like legal aid and public defense). I almost relish testing future dates with "Wyd?" "Lawyer" and then "What kind?" "Public defender" as a test to see how/if their face drops when "Easy street, trophy/sugar bottom" fantasies fade faster than a dream in the light of another new dawn.
So, I am curious to see what the pulse is. There's a surprising lack of talk discussing the financial/pastoral aspects of singledom, especially in retirement - doubly so for the *very* elderly years in which decline/dependence are virtually expected. While most kick the can by saying "don't worry as a 30- or 40-something (I am 33) most prudent people in my life began laying foundations in their 20s, and the most farsighted will have taken LTC policies out in their 30s. My 20s were, from a 401k/etc perspective, completely lost. My 30s will be spent largely in debt management (yay law school). While I hate to say it, my observations of people starting 40+ haven't predisposed me to peaceful nights of sleep.
Basically, my inescapable conclusion is to have a Smaug-like hoard for future contingencies, but the quotidian costs of life perpetually hector me with the "needs" of today (and fear of consequences if they're too long delayed e.g. saving $200 on a filling is a $2000 root canal later etc).

Respect Potemkin

"Strength in numbers, huh... But you underestimate the conviction of a Zeppian soldier. With courage in my legs, justice in my fists, and a spirit greater than the tallest mountain... You will now face Potemkin, First Class Guard of the Zepp Republic! I accept your challenge!"

Themes: GG X XX Xrd -STRIVE-
After what seemed to be a near-extinction event in 1999 when an unknown entity attempted to manifest in the real world through technology, the world grew suddenly and violently technophobic. The United Nations imposed a global ban on technology, and with the introduction of magic into the world, it became the new norm for society. The only nation to oppose this mandate to remove all "Black Technology" from society was India, which left the United Nations and used the remaining technology in the world to develop a massive, country-sized airship to leave the terrestrial planet and live in the clouds above the Indian Ocean. This is the Independent Airborne State of Zepp.
Potemkin grew up in Zepp, and due to his extraordinary physical prowess, he was employed as one of Zepp's slave soldiers. Marked with a barcode, fitted with an explosive slave collar to discourage desertion, and used against enemies like a wild bull, Potemkin fought Zepp's foes and even joined the Second Holy Order Selection Tournament at Zepp's bidding so that he could win and wish for suitable territory for Zepp to expand back onto solid ground into. Secretly, though, Potemkin planned to also wish for freedom for his enslaved comrades.
Instead, however, Potemkin was lured into Testament's trap to resurrect Justice, the commander Gear and cause of the Crusades. After winning (this fight isn't canon, Sol beat Justice, but shhh), Potemkin is confronted by his sergeant, a man named Gabriel, who reveals to him that Potemkin can be the figurehead of Gabriel's revolution against the corrupt Zepp empire. With Potemkin's help, Gabriel topples the empire and forms the Neo Zepp Empire, a democratic nation of free men that strives to preserve old technology and pursue peaceful relations with the rest of the world. Potemkin stays on to serve as President Gabriel's elite guard, eager to see this new, noble Zepp thrive and prosper.
Signature Moves
Special Moves

• Potemkin Buster - Potemkin's most devastating move, taught to him by Gabriel. Potemkin Buster is famous in the games for being an incredibly high-damage grab and the defining trait of Potemkin's grappler playstyle.
• Heat Knuckle - Potemkin grabs an enemy out of the air and shoots them point-blank with cannons from his gauntlet, before letting them go in a fiery explosion.
• Hammer Fall - Potemkin charges forward suddenly, with a powerful strike at the end.
• Mega Fist - Potemkin does a forward (or backward) leaping attack, punching down from overhead.
• Slide Head - Potemkin falls to the ground, knocking down enemies nearby with his immense weight.
• FDB - Potemkin uses his huge gauntlets to flick a projectile back at his opponent as an exploding fireball.
• Garuda Impact - Potemkin shoots his opponent with a low attack from his gauntlet cannon.
• ICPM - Potemkin flies across the stage headfirst, like a human missile.
• Trishula - Potemkin fires into the ground with his gauntlets, creating a pillar of flame around him.
• Unbreakable Spirit - Potemkin flexes, ignoring damage from incoming sources. This move has a number of follow-up attacks.
• Nitro Hook - Potemkin grabs his opponent and punches them across the room.
• Graviton Stamp - Potemkin charges forward and strikes his opponent. This move was functionally replaced by Hammer Fall in later games.

Overdrives / Force Breaks

• Heavenly Potemkin Buster - Potemkin leaps into the air and grabs his foe, rocketing them upward until he brings them hurtling back down to earth in a devastating back breaker.
• Giganter Kai - Potemkin generates a wall of energy that travels forward and destroys incoming projectiles. In earlier games, Potemkin can follow up this move by attacking with a pair of flaming fists.
• Gigantic Piston - Potemkin rears back and unleashes a devastating punch.
• Judge Gauntlet - Potemkin knocks his opponent back with a powerful punch.

Instant Kills

• Infernal Tour - Potemkin slams his opponent into the ground from a great height, and then punches them through the planet so that they pop up on the other side.
• Magnum Opera - Potemkin flexes off his slave collar, kisses his fist, and lands a huge punch on his enemy.
• Nuclear Hammer - Potemkin swings with both hands, consuming his enemy in an explosion of blood and fire.

As Instant Kill animations are potentially canon, I'll include them as feats but will mark them where appropriate.
Feats
Mouse over a feat to see its source. Non-Canon story feats are included for completion's sake, but will be marked to tell them apart.
Please note that due to the difficulty of tracking down quality translated sources for some of the older games and media, many of these clips will be presented in the form of fan-translated scripts. Other sources (like the light novels) may be missing entirely, as they have never been translated and I can't read Japanese.
Strength

• [Instant Kill] Punches his opponent through the planet
• Stops a strike from a building-sized Gear and hurls it down a city street
• Staggers Slayer with Hammerfall
• Punches through a wall
• His battle power is comparable to an entire army division

Durability

• Takes hits from Slayer
• Jumps off of the Zepp airship and no-sells the landing
• Dropped out of a Zepp ship in a crate and no-sells the landing
• Survives being in his ship when Complete I-No destroys it
• Trades blows with Chipp Zanuff
• Takes a hit from a Phalanx 9 unit
• Jumps extremely high into the air to damage a foe with the landing, and is unaffected himself
• [Non-Canon] Survives being inside an exploding building
• [Non-Canon] Takes hits from a clone of Justice
• [Non-Canon] Trades blows with A.B.A
• [Non-Canon] Off-screen, survived an attack by "hundreds of Robo-Kys"

Speed

• Dodges an attack from Ky Kiske
• Stops an attack from a huge Gear mid-swing
• Dodges an attack from a Phalanx 9 unit

Miscellaneous

• Potemkin's specialized ship could hold back the flying White House airship temporarily
• In most games Potemkin weighs almost a ton
  • He weighs so much that throwing himself on the ground or falling from a moderate height creates a sizeable crater in the ground
• The Post-War Administration Bureau compares him to a storm that can destroy mountains

Noteworthy Scaling

• Slayer RT
• Chipp Zanuff RT
• Ky Kiske blocks a bullet at extremely close range
• A Phalanx 9 unit fights evenly with Baiken
• Baiken RT

"I do not adapt my strategy to your attacks, and I will not give you time to adapt to mine. Do not waste your time with tricks."