Binär Kredit Option Definition

Greed is Subtle

The morning alarm woke up Ghen. With an annoyed sigh, he stretched out his arm and silenced the foul-sounding chirps. Slowly sitting up in bed, he let out a deep yawn and got to his feet.
Running a couple of chitinous fingers along his antennae to stimulate them to life, he made his bed and then went to his closet. Today was a work day, so he needed his suit. Once the pants were on, he stretched out his wings so that he could button up the shirt, then relaxing them once all the buttons were secured.
Dressing for the day was done, now for the morning meal. Entering his kitchen, he took out the chilled leftovers of the evening meal last night and popped it into the radiator, first defrosting and then slightly cooking it.
During that process, he also fished out a ceramic cup and placed it in his brewer, serving himself some synthesized caffeine. His idle thought led him to being amused that, when eaten directly off a plant, it has a concentration that could kill him three times over. But after going through some refinement and roasting, all it does is make him hyper.
Once the meal was put together, his plate of heated leftovers and a cup of almost-piping-hot cup of Xia's, he took his time to enjoy it. His communicator vibrated. When he looked, he found it was from his boss.
"Hello?" Ghen answered.
"Ghen, the meeting's been moved up to a few minutes from now." His boss, Xkik, announced. "Apparently higher up has something important they want to say. We have a terminal ready for you, I'll message the login details."
"Wha-, what's so important?" Ghen asked in bewilderment. "Did a water line rupture or something?"
"No, nothing like that." Xkik replied with a slight chuckle. "It's actually about the rumors we've been hearing. That human corporation wanting to acquire us? That's what they're talking about."
Ghen could feel everything inside his thorax drop to the floor. "That must mean it's true then, right? Did we get sold off by the Queen to this company then?"
"Show up to the meeting and you'll get your answer." Xkik said simply. When he finished, Ghen got the notification on his communicator. There's the login details, allowing him to remotely attend the meeting. "They're about to start, hurry up."
Once Xkik disconnected, Ghen worked fast to login and set up the remote viewing. Once everything was done, his screen started transmitting the meeting room. It was already packed. And off by the main board, he saw his answer. There was a human, resting against the wall on his two legs. Standing right in the center of everyone's view was the coordinator, Tizx, watching the clock periodically.
As soon as the meeting's start time was reached, the coordinator began. "Alright everyone. I realize that this was rather short notice, so I want to say how appreciative I am that you made it. Now then, let's just get right to it. For some time now, many of you have been hearing rumors that a human corporation has been interested in us. Why? We never really knew. We're just an organization responsible for finding, extracting and providing water to the colony here all under the direction of the Queen herself. Well, as of now, I have the answer for you. Why don't I let Ryan say that?"
Stepping back, Tizx motioned for the human, Ryan, to take over. With a nod, Ryan practically bounced over and then took the position. "Good morning to you all. I hope my Zazk is passable, heh. Anyways, the answer to those rumors, is yes. Terran Galactic Company is indeed interested in you all. Which now leads to me. I'm here to announce that, effective yesterday evening, this water company is now a subsidiary of Terran Galactic Company, under the name of Zilia Water Delivery."
Many other sub-coordinators broke into hushed conversation, no doubt speaking their thoughts with each other about this move. Ghen could only wonder if this was even a good thing. What will the humans do? Will he still have his job? Will he have to learn how to deal with the ruthless humans?
"Now, I am well aware this is quite the...uh, change." Ryan continued. "That's why I'm happy to inform you that, no, nothing negative or detrimental will happen to you. You just have new people to answer to. Operations will continue as normal, everybody here will still keep their jobs. The only real change any of you will personally experience is that Coordinator Tizx here will now report to someone else. On behalf of the Terran Galactic Company, we are extremely excited and are looking forward to working with you all. Thank you for your time."
A week later.
At least Ryan wasn't lying. After the initial shock wore off, things went back as they normally did. There were no terminations, no reductions in annual pay or anything. Nothing really changed. At least until this new meeting was called. Ghen was at the worksite this time, so he took his seat and watched as, once again, Ryan led the meeting.
"Hello again, everyone!" He said cheerfully, his Zazk noticeably improved. "I hope I didn't end up looking like a liar, right? Everything's still normal, all that?"
All the zazk in the room confirmed, providing comments to their pleasant surprise as well as lingering thoughts.
"Awesome! Awesome." Ryan said jubilantly, his fleshy mouth revealing his bone-white teeth. "Now then, you're probably wondering why I'm here again, right? Well, I got another fantastic piece of news for you all! Two, actually. I'll start with the first: Zilia Water Delivery has just completed its IPO. The company is now publicly traded!"
Ghen and the others voiced their confusion, having no idea what in the name of the Queen Ryan was talking about. What was Ryan talking about? What's an IPO? And why exactly is being publicly traded such a significant thing?
"Oh, you guys don't know any of that?" Ryan asked in surprised confusion. After everybody confirmed, he let out a quick huff as he began his explanation. "Well, to begin, IPO is short for Initial Public Offering. Basically what that means is that, before today, Zilia was privately held. Only certain individuals could buy and sell shares here. But now that we're public? Literally anyone can buy and sell shares in the company, hence us being publicly traded."
"Uh, what's a share?" Ghen asked, still completely lost.
"Oh, boy..." Ryan muttered under his breath before returning to his peppy image. "To simply put it, a share is short for having a share of ownership in a company. When you buy a share, you're buying a piece of ownership, and when you sell, you're selling that amount."
"So wait...if someone buys a share, they're a co-owner then?" One of the other team coordinators asked.
"If they get enough, yeah." Ryan nodded. "You need a lot though, and that really depends on the company. If I had to give an answer though? I'd say usually you need to have a lot more shares than a lot of people combined to be officially a co-owner, but we call that being a majority shareholder."
"And how do we do that?" Ghen asked, now growing curious but still not understanding why such a concept exists.
"Simple. Buy shares." Ryan said simply. "And that leads into the second piece of awesome news. Zilia's corporate has a product in mind, a premium-package of water delivery. Instead of the usual water that you pump out, filter and ensure its potable before delivery, with the premium package, not only will you get that, but you'll also get all of the required nutrients and vitamins the zazk body requires! And they feel you guys have the best expertise and understanding to pull it off! So, here's what we're offering as a good-faith bonus: A 25% increase to your annual salary as well as being given stock options."
Ghen wasn't sure about the second part, but the salary definitely got his attention, as well as everyone else's. Although his job was considered to have a good pay, Ghen isn't going to say no to a higher salary. In fact, he's been focusing his work on getting a promotion so he can come home with even more credits in pocket.
"What do you mean by stock options?" Ghen asked after some time.
Ryan let out that smile again, the one that revealed his teeth. "If you choose to transfer over to the new group, you'll be provided 50,000 shares in Zilia itself. Why's that awesome? Let me walk you through it. Right now, our last closing price per share was 3.02 credits. And if you have 50,000 shares during that time, you're sitting on 151,000 credits, if you cash it out immediately."
"And why shouldn't we?" One of the coordinators demanded in an ambiguous tone.
"Because the price per share changes a lot." Ryan explained promptly. "When we got done with the IPO? It closed at 2.73 a share. Right now? My money's on the closing price being 2.99 a share. However, we are extremely confident in this premium package being successful. If it does? Well, my bet is that the share price will skyrocket to 3.12 a share. If you hold those shares and the price gets to what my bet was? You'll instead get 156,000 credits. Just by holding onto them, you just made an additional 5,000 credits!"
"And what if we have more shares?" Ghen questioned, now getting excited at the prospect of free money.
"Even more money!" Ryan laughed a bit. "And don't forget about dividends, but that's for another time. The premium group is gearing up right now, we just need the workforce. If any of you wants in, I'll be back tomorrow with all the forms needed to make it official. Take the day and tonight to think it over, yeah?"
Everything else melted into a blur. Ghen was practically on autopilot that whole day. Was this the secret to the humans' incredibly massive economy? How so many of them have amassed so much money out of nowhere? All you had to do was just buy this share out of a company and you get more money without even working?
As soon as he got home, Ghen knew what he was going to do during the night. After feverishly looking through the galnet, now having the human race connected to it, he looked and gathered up as many books that were translated into zazk as he could find, all talking about the human economic system. The last time he undertook such an intensive study was during his primary education phase.
And during his search, he even found forums on the galnet that were completely dedicated to the human's economy. All of them talking about strategies on what company, or stock, to pick. How to analyze a company's performance to determine if it was worth the money, or it had potential to grow over time. And that was when he discovered the humans found another method to the extremely simple buying and selling process. There were humans and some other immigrated aliens who made five times what Ghen could receive over a simple month just by watching the share prices during trading hours, and then buying and selling them at the proper times.
Ghen's mind was just absolutely flabbergasted. He thought it was just some strange concept only aliens could make, but no, not with the humans. They've practically made their economy into an art or a science. No, not even their economy. Everything. If humans can see a way to make money off of it, they'll do it. And if there isn't, they'll look for a way.
Healthcare was monetized. Galnet services, transportation, shopping at the store, they even made all of their utilities into profit-oriented companies.
And it was there that Ghen paused, the realization slamming into him. Everything was monetized. Which means, if you don't have the money for it, you're not getting it. Right? Are the humans truly that ruthless? So obsessed with making money? To the point that they're willing to deprive their own people of the absolute necessities if it's a source of credits?
Ghen let out a scoff. There's no way. Nobody is that cruel and callous. He's never been to the United Nations. He can't rely on what a bunch of random people on the galnet says. He decided that from here on out, he'll only go as far as saying that humans are a little obsessed with credits, nothing more.
...
There he was. Ryan, sitting in the office provided to him. And there was a rather large line leading to him. Looks like word got around. Although, the line wasn't as large as he expected it to be. Maybe the others thought it was just a ruse? That there's no such thing as making free money by spending it on such a made-up concept?
Ghen only knows that, if it is a ruse, it's an extremely elaborate one, where all of the humans are in on it. And he believes that's just extremely ridiculous. At the end, if he's unsure, he'll just take the transfer for the very real increase in his very real salary. And although he spent a very good chunk of the night reading up on how humans do things, he's still going to play it smart. He'll leave his 50,000 shares alone and see where it goes from there.
"Good morning sir." Ryan greeted warmly once Ghen took his seat. "Now, name please?"
"Ghen." He answered, barely keeping his nerves down.
"Alright...and what's your position at this location?" Ryan questioned after scribbling on his form.
"I monitor the pumping stations near the extraction sites." Ghen explained, staying on point. "To be more specific, I check to see if they're in need of maintenance, as well as reading the flow rate that's determined by the calculators installed there. If there's too little for what's needed, I pump out more. And if there's too much, I pull it back a little."
"Nice...and how long have you been doing it for?" Ryan complimented with a nod.
"As of tomorrow, ten years." Ghen replied, voice quickly changing to minor awe once he realized that fact.
"Excellent. Do you have anyone in mind you'd like to replace you here?" Ryan questioned after another scribble. "If you don't have anyone, you're free to say so."
Ghen took a moment to think it over. A bunch of names went through his mind, but one stuck with him. "Tilik. He's just been accepted here, but he's learned quickly. Very attentive and he always catches something subtle. I think he'll do really well in my position, even better actually."
"Tilik, really?" Ryan questioned with a little shock, going through his completed forms. Ghen felt a short sense of panic in him. Did something happen, or was Tilik actually transferring? His answer didn't take long to reveal itself. "Right, Tilik was actually one of the first people to want to transfer here. He's actually requested to be part of the testing teams specifically. Do you have a second choice?"
"Um...no, actually." Ghen replied, feeling a little ashamed. "Tilik was my only choice, to be honest."
"Hey, don't worry." Ryan said assuringly with his hands raised. "Nothing wrong with that. Sometimes, there's just nobody up to snuff, right? 'Kay, so, last question. Is there anything specific you'd like to do when given the transfer?"
"If you need someone monitoring new pumps, I'd be happy to do that." Ghen stated.
"So basically same job but with better payoff, am I right?" Ryan grinned. "I hear you. Sometimes, we're just not paid enough for what we're doing. I know I think that sometimes. Uh, our secret, yeah?"
"Yeah, our secret." Ghen nodded, thinking it'd be better to have friendly relations with the human, just in case.
"Awesome. Back on topic, that's it." Ryan announced, placing the form on his pile. "We'll give you a call when you're accepted."
"Oh, uh, that's it?" Ghen questioned with a shrug in shocked surprise.
"What, expecting a question like, why do you want to transfer?" Ryan chuckled a bit as he leaned in his seat. "You can bullshit all you want, but we both know the answer. Sweet money and stock options. Not saying that's a bad answer of course, just that it's pretty obvious."
"I suppose it is." Ghen commented, realizing the point. "Also, you mentioned this...dividend? Is that for Zilia shares?"
Ryan laughed a little bit before nodding. "Yep, announced before I came here. About 0.43 per share. Want to know why that's awesome? Instead of waiting for the proper price to cash out your shares, now? The company pays you for each share you hold."
"A...Are you serious?" Ghen demanded, flabbergasted.
Ryan nodded with his now-trademark grin. "Dead serious. If you get the transfer, and get those 50,000 shares? A little head math...right, if you hold onto those, in addition to your salary, you'll now annually be paid 21,500 credits, if you keep it at 50,000 shares. Only you can decide to sell or buy shares."
Ghen just stood there silent and motionless, no idea of whether to believe it or not, to which Ryan just laughed. Once he walked out of the room, he managed to snap back to reality. Again, just focus on the very real pay-raise. He'll deal with the other parts later.
After he returned to his spot, he spotted Tizx approaching by his desk. The coordinator seems to be as casual as always.
"I saw you in that line a bit ago, Ghen." He said as he leaned on the desk. "Guess you're really taking that human's word?"
"I mean, I don't know about all this share business or what not." Ghen began with a shrug, his tone sounding a little defensive. "But I mean, having a bigger salary? Course I'm going for it when I can. And if all this magic credits turn out to be real? You realize we can live like the royal servants, right? Get the best cars, the nicest food and all that?"
"I'd be very careful, Ghen." Tizx warned in a sudden shift in tone. "Don't trust those humans. The way they just...obsess over money? Come up with more and more insane ways of getting credits? I don't know, it just makes my wings twitch."
"You think this is a bad idea?" Ghen asked with a little surprise at the change-in-demeanor.
"I think you should be careful, with the humans, and with what you're saying." Tizx replied, straightening his posture. "I wouldn't put it past those Earthmen to backstab you if it gets them a few more credits. And we all know how the royal servants get if any of us lowly commoners start thinking we can break into their circle."
"I hear you, I'll be on my guard, promise." Ghen stated with a nod. With a confirming nod of his own, Tizx returned back to his duty, walking past Ghen's desk.
Several weeks later.
Everything became so much better. Ghen got the transfer. He didn't need to relocate to a new residence either. And after he was walked through into learning how to manage his stock account, and seeing that new form of payment in his hands, he already felt as though he made the best decision. But it was only when he decided to take those shares more seriously that he became privy to what he was given. After receiving the dividend payment, and actually seeing it was real, valid credits after transferring it to his main bank account, all he could describe was the most powerful high he ever felt.
While his first thoughts were to buy himself a royalty-class car, some nicer furnishings for his home, or even a better home entirely, he ended up going the smarter route.
After going back to his stock account, he discovered that Zilia's shares rose to about 3.22 credits in price. Knowing that this was the easiest money he could ever make, he took all of his dividend earnings and bought more shares in Zilia, bringing him to owning 56,891.
And from his new regional coordinator, a human named Dylan, tomorrow is the grand release of the premium package. For just a monthly rate of 14.99 credits, the tap water will now include a sizeable portion of all nutrients and vitamins required in the zazk physiology. Still, Ghen has to admit. He's not entirely sure why anybody would want such a thing, if they'd even go for it. But, as long as he's practically swimming in easy credits, he won't pay much attention to it.
And just like when he was intensively studying the basics of how the human economy worked, he barely got any sleep. His mind was constantly thinking about the things he would buy. Or rather, what other stocks to put his credits into. Even now he can still hardly believe it. Just spend your money on some, make-believe thing and, if you wait long enough and picked the right stock, you'll get more than you spent back?
His mind even wandered onto what human colonies, or even their homeworld, Earth, was like. If everybody was making so much money, what kind of things would they offer? What kind of ridiculous service or product or item can you get? He's even debating on joining some forum and just asking around. Explain how he's new to how humans do things and was wondering what he should expect if he's successful.
By the time he felt like he can go to sleep, the binary-stars of the system were rising from the horizon. After getting out of his bed and changing to clean clothes, his mind returned onto what-ifs.
What if he bought better clothes? He's had his eye on that human brand of luxury clothes, Tessuti di Venezia, that's been all the rage amongst the royal servants. Or maybe he can go on vacation and just check out Earth for real?
It was a short ride to his workplace from his home. After getting stuff his stuff and preparing to walk through the doors, he heard the roar of a car grow louder. When he looked, he saw the sleekest and quite possibly the coolest looking car he's ever seen. Each time the engine revved it would startle him, both from how harsh it sounded as well as just how intense it sounded. And after it parked, he saw the doors pop out and then slide along the body back. And there, he saw Tilik, the seat literally turning and extending out a bit before he got off.
As soon as he saw Ghen staring, he struck a rather prideful pose after putting on his lab coat and then sauntered over to Ghen.
"What do you think?" Tilik said, without any doubt inviting praise or compliments.
"D...Did you actually buy that?" Ghen asked, unable to tear his eyes away from the car.
"You're Queens-damn right I did!" Tilik laughed happily. "Thing takes off like a starship, has temperature-controlled seating, all-in-one center console, barely any bouncing on rough roads. Hoof, best decision I've ever made!"
"How much did that thing cost?" Ghen asked after letting out an incredulous laugh.
"Five million credits." Tilik replied, earning an absolutely shocked stare from Ghen. "And thanks to the incredible salary I have, in addition to all these shares and dividends, I'll pay back the credits I borrowed in no time!"
Ghen needed a few moments before he could speak again. "All I've been doing is buying more shares."
Tilik laughed and then patted the now-envious monitor's back. "Smart man. I got a little carried away, yeah, but not anymore. Any spending credits I got, going right back to investing. That's what it's called right, investing?"
"Yeah, it is." Ghen nodded, feeling a fire light up in his thorax. "And also? Today's the day that the premium water thing is being released. Here's hoping it starts out well, right?"
"Oh it will, trust me." Tilik chuckled as they both began making their way inside the workplace. "Lots of research, lots of study. By the Queen, so much of it...it'll make your head spin."
And after hearing that, Ghen had a moment of realization. "Hey, Tilik? How did you get such a nice position anyways? Weren't you just studying under me before the humans came along?"
Tilik let out a sigh after opening the door. "I'll be honest, I never wanted your job. Not because it's boring or terrible, just...I didn't suffer so many sleepless nights in the science academy just to be a glorified button pusher. This is what I've always wanted. Doing science, solving problems rather than just applying the solution, you know?"
"Wait, you got an academic certificate?" Ghen questioned, completely floored. "How did you end up beneath me then? I should've been answering to you!"
"Simple." Tilik gave a heavier sigh. "A royal servant was asking for the same job I was. Take a guess at who got it."
"Ouch. Good thing the humans came along when they did, yeah?" Ghen was taken aback. He never heard anything about a servant taking a job at his place. "Looks like you're proving yourself to be well suited."
"By the Queen, of course I am." Tilik nodded. "Like I said, I nearly broke my wings through so many nights, got certified top of my class, all just to get pushed to the dirt because someone who was born into a particular family wanted the same thing I did? I know I'm smarter than any of those empty-skull servants back in the Center. I know that, whatever, uh...corporate? Yeah, whatever corporate wants out of science, I will xeek give it to them."
"Well, let me know how things go in the lab." Ghen said, admiring his drive as they neared the main office floor. "Because this is where the button pusher needs to go."
Tilik let out a laugh as he nodded. "Hey, how about we meet up at Queen's Fine Eatery tonight. I'll pay, yeah?"
Ghen, at first, wanted to admonish him for choosing such an outrageously expensive place to go. But he quickly realized that, he truly is good for it, thanks to the humans. "Well, hey, if you're paying for it."
...
It was a fantastic opening. After being told what news sites to keep in mind for stocks, he first heard it from Dylan, and then got more detail on Business Today. There was such a massive demand right from the start that Zilia needs to increase extraction just to meet it. But what really got his attention was the effect it had. Zilia Water Delivery's share price just blasted off. After seemingly holding steady at about 3.15, by the time he got home and logged onto his account, it already reached 7.04 a share. The calculator on his account told him that he got a value-gain of 54.26%.
Never in his entire life had he felt such...joy. With all of the shares he currently has? He's sitting at 400,512.64 credits. He knows that it is woefully pathetic compared to what the royal servants have just in their pockets, but the fact that he has such money, just by owning some intangible concept? Why even work at Zilia? Why doesn't he just sit at home, figure out what companies to invest in and make his money that way?
What's even the point in working a real job, getting a pathetic pay when you can just take the money you have, determine where to spend it, and get triple back? All just sitting on your wings at home, researching?
He was so wrapped up in his excited high that he completely forgot he was going to meet Tilik at Queen's. After quickly and haphazardly putting on his nicer clothes, he got to the place only a few minutes late.
Tilik was there by the guide, no doubt having been waiting for him. As soon as he strode up, Tilik's wings stiffned out some. No doubt he must've seen the numbers as well.
"I can see your wings, Ghen." Tilik began with an excited chuckle. "Made some serious credits?"
Ghen let out an incredulous scoff, struggling to find the words for a moment. "Incredible. All I'm going to say."
"Likewise." Tilik chortled some before nodding to the table guide. "All here. Table please?"
"Right this way, sir." The guide said politely. It was a short walk, travelling between round tables. The vast majority were populated by zazk, but Ghen was surprised at seeing a few humans here as well. No doubt corporate workers checking out the local food. He did spot them having bowls filled with some kind of mass. Some were brown, others white with what looks to be black specks on them.
They arrived at their table. A rather nice one, affording a view out the windows into the busy colony streets. Once Tilik and Ghen settled in, the guide handed out the menus.
"May I suggest our rather popular option for tonight?" The guide began. "Human ice-cream. Ingredients sourced from Earth itself. Very cold, but incredibly sweet, and coming in many flavors. The most popular amongst us is called vanilla-bean. The vanilla itself soaks in the cream for much of the process, and then the innards sprinkled on top of it near the end. Rumor has it that the Queen herself has demanded personal shipments of such a treat straight from the home of vanilla, an island on Earth named Madagascar."
Ghen didn't even spare a single thought. "Vanilla bean ice cream then, please."
"Same." Tilik seconded when the guide glanced to him. With a slight bow, the guide proceeded to ferry their orders to the kitchen. Thankfully it was just a short wait before the guide returned, carrying a large plate containing bowls of ice cream. Ghen could feel the saliva on his mandibles as the bowl was placed before them. He could just feel the cold air around that glistening mass of sugary goodness. The white snow decorated with the black dots of vanilla bean.
Once the guide left them, Tilik and Ghen both dived in at the same time. As soon as the ice cream entered his mouth, touched his tongue, he exploded in incomprehensible bliss. The sweetness, the smooth and creamy mass, even the taste of vanilla he wasn't sure about was just absolutely delightful. It was so overwhelming that his entire body limped, slumping in his seat as he was forced to ride on the surging tide of joy and happiness sweeping over him.
Tilik was no different. He too was taken completely by the effects of the ice cream, his wings fluttering some against the seat. Ghen could hear some noise. It was the humans they passed by. They were chuckling, grinning, and glancing over at them discreetly. Unlike the two zazk, the humans seemingly just enjoyed the ice cream as if it was just another nice dessert to them. Or perhaps they couldn't allow themselves to succumb to the high?
And as soon as the wave of indescribable bliss and happiness subsided, Ghen knew. He just knew. This was the life. He wanted this. The ice cream was just the beginning. So many things denied because he didn't have the credits, or worse, not the blood. Because he was just a drone in the great Collective, even if he had the credits, he wasn't allowed because of what caste he was born in. That fire that sparked in him when he saw Tilik's new car? It exploded into a raging firestorm.
And when looking into Tilik's eyes, Ghen could see the same. He was on the same page as Ghen was. Both of them were sold. They have the credits. And the humans? If you can pay for it, they'll never discriminate. All they cared about is if you have the money.
And by the Queen, Ghen and Tilik will endeavor to amass as much credits as physically possible.
The rest of the night faded into a blur. A blur that evokes only one thing. Bliss. It was only when he walked through the door of his pathetic hut that Ghen's mind snapped back to focus. His mandibles felt sticky. And he felt a weight in his stomach. How much ice cream did he eat? Whatever it was, he ate such volume that the lower-section of his throax extended and rounded out, visible even under his shirt. He felt something odd in his pocket. It was a receipt. 43,000 credits for ten bowls of vanilla bean ice cream. Was that ten bowls for both of them? Or individually? Ghen didn't care. He's good for it.
Returning back to his calculator, he acted upon the decision that he had made at that eatery. He's acquiring as many books about investing and stock trading as he could find, frequent and study all the discussions and arguments presented by other like-minded individuals such as he, all to ensure he can live the good life. And he had a very good feeling Tilik was doing the exact same thing.
Well, first, the gurgling in his stomach, as well as the feeling of something rising demanded his attention. Looks like he'll need to take the night off to let his stomach get back to normal.
Three Years Later.
Ghen looked out beyond the horizon, seeing the colony that he grew up in. On the far side was where his old house was. With only a simple robe on, made from the finest silk from Earth's nation-state of China, he relaxed in his seat.
It was a long road. Stockpiling credits from pre-existing investments and from subsequent pays, he and Tilik made it. From having only half a million in assets and cash, now transformed to over eight-hundred million. And now, his call contracts on American Interstellar? They've just announced a breakthrough in their next generation of warp drives, reducing the speed coefficient even further, resulting in far faster travel. And with that, their stock price climbed sharply.
Another hundred million credits in the bank. Soon, very soon, he and Tilik are about to become the galaxy's first zazk billionares. But that's not enough. There are many humans who are billionares. Only those he can count on one hand are considered trillionares. He's going to break into that circle. He and Tilik.
Looking beyond the colony, he saw the abandoned building of the workplace he transferred to when the humans arrived. Turns out, the reason for such a high demand was that the humans also slipped in sugar to the tap water. As soon as that broke, many influential royal servants demanded investigations and outright banning of Terran Galactic Company's influence over the former government division. Zilia's stock price plummeted. But thanks to an advance tip from his human coordinator, Dylan, he and Tilik made a put contract. And that's where they struck gold, as the human saying goes.
Dylan warned that if they were citizens of the United Nations, they'd be investigated and convicted for insider trading. But, since they weren't, and the Collective were only just introduced to capitalism, there's no risk at all. Now the colony is going through a withdrawal phase, Zilia has been dissolved and reformed back as a government division and are currently at work re-establishing the standard, plain water delivery.
"Well, shit." Tilik muttered as he walked up to Ghen's side, taking well to human speech. "Looks like you win. American Interstellar's announcement really was a good thing. There goes a million credits. Ah well, the Royal Shipyards will make it back for me soon."
"Oh? Did they just go corporate?" Ghen asked curiously, glancing to Tilik.
"Hell yeah they did." Tilik chuckled, sitting down. "Queen and her retard servants fought it hard, but Royal Shipyards is now officially a human-style corporation. And, to a surprise to all the xenophobes in the galaxy, they're already being offered contracts for ship production. That'll raise the stock price pretty good."
"What's that human word...?" Ghen muttered, already having a reply in mind. "Dick? Yeah, calls or suck my dick, Tilik."
Tilik roared in laughter. "Already made them. Forty credits a share by this day next month."
"I have half a mind to go thirty." Ghen chuckled. "Either way, until then, I heard from Dylan that he knows a guy who knows several prime human women who happen to be into zazk."
"You're interested in women?" Tilik said as his wings fluttered. "With how often you tell me to suck you off, I'd have thought differently."
"Oh, I always thought it was you who was into men." Ghen responded dryly. "Just wanted to be a good friend, you know? Considering how you never seem to make it past, Hey sweet thing, I'm rich you know."
"Oh, go fuck yourself." Tilik countered with a little laugh. After he stopped, wings stiffened, he looked to Ghen. "So, know any royal servants we can put the squeeze on for more revenue streams?"
"I got just the one." Ghen nodded, sitting up. "Fzik. He's been fighting to control the ice cream trade. Worried it's a corrupting influence. Got done talking with the human CEO of Nestle earlier. If we clear the way, he'll know how to squeeze a little more gains in stock price when he makes the announcement."
Tilik's wings stiffened even more, signaling his approval. "Alright, time to throw some credits around, yeah?"
AN: Sorry for the period of no updates. College is starting up, lots of stuff to clear and work out. Not sure why but I just got a bug up my butt about incorporating money and the stock market into a short. Here it is. Sorry if it seems abrupt, character limit fast approaching. Let me know how you guys think about it!
submitted by SynthoStellar to HFY [link] [comments]

Everything You Always Wanted To Know About Swaps* (*But Were Afraid To Ask)

Hello, dummies
It's your old pal, Fuzzy.
As I'm sure you've all noticed, a lot of the stuff that gets posted here is - to put it delicately - fucking ridiculous. More backwards-ass shit gets posted to wallstreetbets than you'd see on a Westboro Baptist community message board. I mean, I had a look at the daily thread yesterday and..... yeesh. I know, I know. We all make like the divine Laura Dern circa 1992 on the daily and stick our hands deep into this steaming heap of shit to find the nuggets of valuable and/or hilarious information within (thanks for reading, BTW). I agree. I love it just the way it is too. That's what makes WSB great.
What I'm getting at is that a lot of the stuff that gets posted here - notwithstanding it being funny or interesting - is just... wrong. Like, fucking your cousin wrong. And to be clear, I mean the fucking your *first* cousin kinda wrong, before my Southerners in the back get all het up (simmer down, Billy Ray - I know Mabel's twice removed on your grand-sister's side). Truly, I try to let it slide. I do my bit to try and put you on the right path. Most of the time, I sleep easy no matter how badly I've seen someone explain what a bank liquidity crisis is. But out of all of those tens of thousands of misguided, autistic attempts at understanding the world of high finance, one thing gets so consistently - so *emphatically* - fucked up and misunderstood by you retards that last night I felt obligated at the end of a long work day to pull together this edition of Finance with Fuzzy just for you. It's so serious I'm not even going to make a u/pokimane gag. Have you guessed what it is yet? Here's a clue. It's in the title of the post.
That's right, friends. Today in the neighborhood we're going to talk all about hedging in financial markets - spots, swaps, collars, forwards, CDS, synthetic CDOs, all that fun shit. Don't worry; I'm going to explain what all the scary words mean and how they impact your OTM RH positions along the way.
We're going to break it down like this. (1) "What's a hedge, Fuzzy?" (2) Common Hedging Strategies and (3) All About ISDAs and Credit Default Swaps.
Before we begin. For the nerds and JV traders in the back (and anyone else who needs to hear this up front) - I am simplifying these descriptions for the purposes of this post. I am also obviously not going to try and cover every exotic form of hedge under the sun or give a detailed summation of what caused the financial crisis. If you are interested in something specific ask a question, but don't try and impress me with your Investopedia skills or technical points I didn't cover; I will just be forced to flex my years of IRL experience on you in the comments and you'll look like a big dummy.
TL;DR? Fuck you. There is no TL;DR. You've come this far already. What's a few more paragraphs? Put down the Cheetos and try to concentrate for the next 5-7 minutes. You'll learn something, and I promise I'll be gentle.
Ready? Let's get started.
1. The Tao of Risk: Hedging as a Way of Life
The simplest way to characterize what a hedge 'is' is to imagine every action having a binary outcome. One is bad, one is good. Red lines, green lines; uppie, downie. With me so far? Good. A 'hedge' is simply the employment of a strategy to mitigate the effect of your action having the wrong binary outcome. You wanted X, but you got Z! Frowny face. A hedge strategy introduces a third outcome. If you hedged against the possibility of Z happening, then you can wind up with Y instead. Not as good as X, but not as bad as Z. The technical definition I like to give my idiot juniors is as follows:
Utilization of a defensive strategy to mitigate risk, at a fraction of the cost to capital of the risk itself.
Congratulations. You just finished Hedging 101. "But Fuzzy, that's easy! I just sold a naked call against my 95% OTM put! I'm adequately hedged!". Spoiler alert: you're not (although good work on executing a collar, which I describe below). What I'm talking about here is what would be referred to as a 'perfect hedge'; a binary outcome where downside is totally mitigated by a risk management strategy. That's not how it works IRL. Pay attention; this is the tricky part.
You can't take a single position and conclude that you're adequately hedged because risks are fluid, not static. So you need to constantly adjust your position in order to maximize the value of the hedge and insure your position. You also need to consider exposure to more than one category of risk. There are micro (specific exposure) risks, and macro (trend exposure) risks, and both need to factor into the hedge calculus.
That's why, in the real world, the value of hedging depends entirely on the design of the hedging strategy itself. Here, when we say "value" of the hedge, we're not talking about cash money - we're talking about the intrinsic value of the hedge relative to the the risk profile of your underlying exposure. To achieve this, people hedge dynamically. In wallstreetbets terms, this means that as the value of your position changes, you need to change your hedges too. The idea is to efficiently and continuously distribute and rebalance risk across different states and periods, taking value from states in which the marginal cost of the hedge is low and putting it back into states where marginal cost of the hedge is high, until the shadow value of your underlying exposure is equalized across your positions. The punchline, I guess, is that one static position is a hedge in the same way that the finger paintings you make for your wife's boyfriend are art - it's technically correct, but you're only playing yourself by believing it.
Anyway. Obviously doing this as a small potatoes trader is hard but it's worth taking into account. Enough basic shit. So how does this work in markets?
2. A Hedging Taxonomy
The best place to start here is a practical question. What does a business need to hedge against? Think about the specific risk that an individual business faces. These are legion, so I'm just going to list a few of the key ones that apply to most corporates. (1) You have commodity risk for the shit you buy or the shit you use. (2) You have currency risk for the money you borrow. (3) You have rate risk on the debt you carry. (4) You have offtake risk for the shit you sell. Complicated, right? To help address the many and varied ways that shit can go wrong in a sophisticated market, smart operators like yours truly have devised a whole bundle of different instruments which can help you manage the risk. I might write about some of the more complicated ones in a later post if people are interested (CDO/CLOs, strip/stack hedges and bond swaps with option toggles come to mind) but let's stick to the basics for now.
(i) Swaps
A swap is one of the most common forms of hedge instrument, and they're used by pretty much everyone that can afford them. The language is complicated but the concept isn't, so pay attention and you'll be fine. This is the most important part of this section so it'll be the longest one.
Swaps are derivative contracts with two counterparties (before you ask, you can't trade 'em on an exchange - they're OTC instruments only). They're used to exchange one cash flow for another cash flow of equal expected value; doing this allows you to take speculative positions on certain financial prices or to alter the cash flows of existing assets or liabilities within a business. "Wait, Fuzz; slow down! What do you mean sets of cash flows?". Fear not, little autist. Ol' Fuzz has you covered.
The cash flows I'm talking about are referred to in swap-land as 'legs'. One leg is fixed - a set payment that's the same every time it gets paid - and the other is variable - it fluctuates (typically indexed off the price of the underlying risk that you are speculating on / protecting against). You set it up at the start so that they're notionally equal and the two legs net off; so at open, the swap is a zero NPV instrument. Here's where the fun starts. If the price that you based the variable leg of the swap on changes, the value of the swap will shift; the party on the wrong side of the move ponies up via the variable payment. It's a zero sum game.
I'll give you an example using the most vanilla swap around; an interest rate trade. Here's how it works. You borrow money from a bank, and they charge you a rate of interest. You lock the rate up front, because you're smart like that. But then - quelle surprise! - the rate gets better after you borrow. Now you're bagholding to the tune of, I don't know, 5 bps. Doesn't sound like much but on a billion dollar loan that's a lot of money (a classic example of the kind of 'small, deep hole' that's terrible for profits). Now, if you had a swap contract on the rate before you entered the trade, you're set; if the rate goes down, you get a payment under the swap. If it goes up, whatever payment you're making to the bank is netted off by the fact that you're borrowing at a sub-market rate. Win-win! Or, at least, Lose Less / Lose Less. That's the name of the game in hedging.
There are many different kinds of swaps, some of which are pretty exotic; but they're all different variations on the same theme. If your business has exposure to something which fluctuates in price, you trade swaps to hedge against the fluctuation. The valuation of swaps is also super interesting but I guarantee you that 99% of you won't understand it so I'm not going to try and explain it here although I encourage you to google it if you're interested.
Because they're OTC, none of them are filed publicly. Someeeeeetimes you see an ISDA (dsicussed below) but the confirms themselves (the individual swaps) are not filed. You can usually read about the hedging strategy in a 10-K, though. For what it's worth, most modern credit agreements ban speculative hedging. Top tip: This is occasionally something worth checking in credit agreements when you invest in businesses that are debt issuers - being able to do this increases the risk profile significantly and is particularly important in times of economic volatility (ctrl+f "non-speculative" in the credit agreement to be sure).
(ii) Forwards
A forward is a contract made today for the future delivery of an asset at a pre-agreed price. That's it. "But Fuzzy! That sounds just like a futures contract!". I know. Confusing, right? Just like a futures trade, forwards are generally used in commodity or forex land to protect against price fluctuations. The differences between forwards and futures are small but significant. I'm not going to go into super boring detail because I don't think many of you are commodities traders but it is still an important thing to understand even if you're just an RH jockey, so stick with me.
Just like swaps, forwards are OTC contracts - they're not publicly traded. This is distinct from futures, which are traded on exchanges (see The Ballad Of Big Dick Vick for some more color on this). In a forward, no money changes hands until the maturity date of the contract when delivery and receipt are carried out; price and quantity are locked in from day 1. As you now know having read about BDV, futures are marked to market daily, and normally people close them out with synthetic settlement using an inverse position. They're also liquid, and that makes them easier to unwind or close out in case shit goes sideways.
People use forwards when they absolutely have to get rid of the thing they made (or take delivery of the thing they need). If you're a miner, or a farmer, you use this shit to make sure that at the end of the production cycle, you can get rid of the shit you made (and you won't get fucked by someone taking cash settlement over delivery). If you're a buyer, you use them to guarantee that you'll get whatever the shit is that you'll need at a price agreed in advance. Because they're OTC, you can also exactly tailor them to the requirements of your particular circumstances.
These contracts are incredibly byzantine (and there are even crazier synthetic forwards you can see in money markets for the true degenerate fund managers). In my experience, only Texan oilfield magnates, commodities traders, and the weirdo forex crowd fuck with them. I (i) do not own a 10 gallon hat or a novelty size belt buckle (ii) do not wake up in the middle of the night freaking out about the price of pork fat and (iii) love greenbacks too much to care about other countries' monopoly money, so I don't fuck with them.
(iii) Collars
No, not the kind your wife is encouraging you to wear try out to 'spice things up' in the bedroom during quarantine. Collars are actually the hedging strategy most applicable to WSB. Collars deal with options! Hooray!
To execute a basic collar (also called a wrapper by tea-drinking Brits and people from the Antipodes), you buy an out of the money put while simultaneously writing a covered call on the same equity. The put protects your position against price drops and writing the call produces income that offsets the put premium. Doing this limits your tendies (you can only profit up to the strike price of the call) but also writes down your risk. If you screen large volume trades with a VOL/OI of more than 3 or 4x (and they're not bullshit biotech stocks), you can sometimes see these being constructed in real time as hedge funds protect themselves on their shorts.
(3) All About ISDAs, CDS and Synthetic CDOs
You may have heard about the mythical ISDA. Much like an indenture (discussed in my post on $F), it's a magic legal machine that lets you build swaps via trade confirms with a willing counterparty. They are very complicated legal documents and you need to be a true expert to fuck with them. Fortunately, I am, so I do. They're made of two parts; a Master (which is a form agreement that's always the same) and a Schedule (which amends the Master to include your specific terms). They are also the engine behind just about every major credit crunch of the last 10+ years.
First - a brief explainer. An ISDA is a not in and of itself a hedge - it's an umbrella contract that governs the terms of your swaps, which you use to construct your hedge position. You can trade commodities, forex, rates, whatever, all under the same ISDA.
Let me explain. Remember when we talked about swaps? Right. So. You can trade swaps on just about anything. In the late 90s and early 2000s, people had the smart idea of using other people's debt and or credit ratings as the variable leg of swap documentation. These are called credit default swaps. I was actually starting out at a bank during this time and, I gotta tell you, the only thing I can compare people's enthusiasm for this shit to was that moment in your early teens when you discover jerking off. Except, unlike your bathroom bound shame sessions to Mom's Sears catalogue, every single person you know felt that way too; and they're all doing it at once. It was a fiscal circlejerk of epic proportions, and the financial crisis was the inevitable bukkake finish. WSB autism is absolutely no comparison for the enthusiasm people had during this time for lighting each other's money on fire.
Here's how it works. You pick a company. Any company. Maybe even your own! And then you write a swap. In the swap, you define "Credit Event" with respect to that company's debt as the variable leg . And you write in... whatever you want. A ratings downgrade, default under the docs, failure to meet a leverage ratio or FCCR for a certain testing period... whatever. Now, this started out as a hedge position, just like we discussed above. The purest of intentions, of course. But then people realized - if bad shit happens, you make money. And banks... don't like calling in loans or forcing bankruptcies. Can you smell what the moral hazard is cooking?
Enter synthetic CDOs. CDOs are basically pools of asset backed securities that invest in debt (loans or bonds). They've been around for a minute but they got famous in the 2000s because a shitload of them containing subprime mortgage debt went belly up in 2008. This got a lot of publicity because a lot of sad looking rednecks got foreclosed on and were interviewed on CNBC. "OH!", the people cried. "Look at those big bad bankers buying up subprime loans! They caused this!". Wrong answer, America. The debt wasn't the problem. What a lot of people don't realize is that the real meat of the problem was not in regular way CDOs investing in bundles of shit mortgage debts in synthetic CDOs investing in CDS predicated on that debt. They're synthetic because they don't have a stake in the actual underlying debt; just the instruments riding on the coattails. The reason these are so popular (and remain so) is that smart structured attorneys and bankers like your faithful correspondent realized that an even more profitable and efficient way of building high yield products with limited downside was investing in instruments that profit from failure of debt and in instruments that rely on that debt and then hedging that exposure with other CDS instruments in paired trades, and on and on up the chain. The problem with doing this was that everyone wound up exposed to everybody else's books as a result, and when one went tits up, everybody did. Hence, recession, Basel III, etc. Thanks, Obama.
Heavy investment in CDS can also have a warping effect on the price of debt (something else that happened during the pre-financial crisis years and is starting to happen again now). This happens in three different ways. (1) Investors who previously were long on the debt hedge their position by selling CDS protection on the underlying, putting downward pressure on the debt price. (2) Investors who previously shorted the debt switch to buying CDS protection because the relatively illiquid debt (partic. when its a bond) trades at a discount below par compared to the CDS. The resulting reduction in short selling puts upward pressure on the bond price. (3) The delta in price and actual value of the debt tempts some investors to become NBTs (neg basis traders) who long the debt and purchase CDS protection. If traders can't take leverage, nothing happens to the price of the debt. If basis traders can take leverage (which is nearly always the case because they're holding a hedged position), they can push up or depress the debt price, goosing swap premiums etc. Anyway. Enough technical details.
I could keep going. This is a fascinating topic that is very poorly understood and explained, mainly because the people that caused it all still work on the street and use the same tactics today (it's also terribly taught at business schools because none of the teachers were actually around to see how this played out live). But it relates to the topic of today's lesson, so I thought I'd include it here.
Work depending, I'll be back next week with a covenant breakdown. Most upvoted ticker gets the post.
*EDIT 1\* In a total blowout, $PLAY won. So it's D&B time next week. Post will drop Monday at market open.
submitted by fuzzyblankeet to wallstreetbets [link] [comments]

Student Loan Default: The Guide (ReUploaded)

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

Student Loan Default: The Guide (reuploaded)

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

Hotfix modding tutorial! (Play Cartels today, or any event for that fact, or write your own buffs!)

OK, this is the definitive guide to pulling off a hotfix mod. It's not that hard, it just requires some basic knowledge of how to run a Linux program on Windows, and how to hex-patch an EXE.
First, some notes:
  1. Everything is going to be done from the Windows Subsystem for Linux. I recommend installing ArchWSL (not covered here) or some other up-to-date Linux miniroot and NOT using the Windows version of anything.
  2. This can be potentially dangerous, as you will be running a proxy. Make sure Windows Firewall is ON and blocking port 8080 inbound.
  3. I use 010 as my hex editor. Your mileage may vary. In theory you can write some regexes and use sed. I am working on a 5-line C program to patch the game for you.
Step 1 - installing mitmproxy.
After installing ArchWSL or the Linux distro of your choice on WSL, open up a Unix shell and install mitmproxy from the package repo. For Debian-based distros that's "apt install mitmproxy" and for Arch based distros that's "pacman -S mitmproxy". Once you've got it installed, execute the "mitmproxy" command. Doing so will generate the certificates. From there, open your Windows proxy settings and key in 127.0.0.1 port 8080 as the proxy. Then, open a browser like Edge and go to mitm.it. Download and install the .p12 certificate file. Click it, install on your local machine, and place it into Trusted Root Certification Authorities. Then, stop mitmproxy with a ^C (control-C) and a Y. Disable your proxy settings.
Step 2 - patching the game's EXE.
This is the somewhat tricky part. Make a backup of Borderlands3.exe before continuing. Seriously do it. After installing the trial version of 010 or buying it if you wish, you want to hit Control-F and select Options on the menu that comes up. Enable wildcard searches. Key in "41 39 28 ? ? ? 88 83 90 03" and make sure that it reports as such. Search for it. When you've found it, replace the contents at that address with "41 39 28 B0 00 90 88 83 90 03" and save. FYI the EXE is located at Borderlands 3\OakGame\Binaries\Win64\Borderlands3.exe. You can also use other hex editors, but they need to have a wildcard binary search feature. HxD doesn't have it, I'm afraid.
Step 3 - getting apocalyptech's GitHub repo.
Execute the following Unix command on your WSL: "git clone https://github.com/apocalyptech/bl3hotfixmodding.git". Change dir into that folder, and edit injectdata/modlist.txt. Comment out (put a # in front of every line that doesn't have one) the rest of the file. Then, search for the things you want to enable. Anything that you type into this file has to be the name of a .txt file in the injectdata dir, and will get sent to the game. Please read the readmes before trying to write your own hotfixes. Once you've selected the things you want to enable (one of interest might be cartels_enable).
Step 4 - start the proxy.
Run the following command: "mitmdump -s hfinject.py". Edit your proxy settings to re-enable the 127.0.0.1:8080 proxy, and make sure you can still browse the internet.
Step 5 - run the game.
Run the game however you launch it. If you have multiple monitors or a serial terminal on your desk, move the WSL console window/terminal session over to it. That way, you can make sure that you see a request to the GBX hotfix URL. Once the game starts, you should see the "hotfixes applied" sign and, if all is willing, your mods have should been activated. Now you can relive those April nights grinding Joey Ultraviolet for a Yellowcake and OPQ again! Have fun!
Notes:
Hotfixes aren't stored anywhere on disk. They are loaded in everytime the game starts. As such, it might be worth investing in a cheapo Unix machine (a RasPi will do just fine) to run mitmproxy 24/7 on. You have to hexedit the game's executable for one good reason: while the game respects the system proxy settings, it only half respects the system certificate settings. This edit removes the validity check from the game.
Disclaimer: I am not responsible if you screw up something. Do this at your own risk. Also, do not reverse engineer or mis-appropariate this game. Do not produce a "cracked" version of the game using a hex editor. In other words, "do the right thing" and you'll be fine. Do not sell modded items. Do not violate your EULA!
Edit: you can use HxD to patch your executable too. Just search for 88 83 90 03. When you find the occurrence, make sure the bytes around it are the right ones and make your edit manually. Thank you Lite_OnE for that input!
Credit:
I would like to thank apocalyptech, without their fine work we wouldn't have any of this! I would also like to thank lazyturtle, who showed me a wonderful one-line hex edit that completely removes the need for making certificates with a revocation chain built in to them. Huge timesaver. Thanks folks! Your work has really helped this community get the most out of this game!
submitted by hackersmacker to borderlands3 [link] [comments]

Let me tell you about Doomwood 3: Legacy of Darkness

If you haven't played the saga, go play the saga before I, saga, make you play the saga. Also this thing is spoiler tagged so yeah.
If you're tired and want a summary, well sure, I liked it but it had some minor flaws with storytelling, as do most AE stories. Shined in another aspect though which is at the bottom, overall good.
If you're bored, well grab some popcorn and turn down your brightness. You might be here for a while. I'm gonna tell you about each separate part of the saga and give an opinion on it, along with maybe a rating of some sort? I dunno, I might be too tired for that part. Anyways....
Starting with the initial cutscene, fighting undead with Artix is no surprised, if the saga takes place in doomwood. This is also the first time he's decked out in his ArchPaladin armour while being here, and the song, A Fight of Light and Darkness playing in the background got me interested and even a little hyped for what might follow. Rookie mistake. You can see everything starts to dip as soon as we introduce an actual potty joke that serves to be the driving force between Artix and us just happening to split up temporarily. I have to give credit to the animator (hopefully Ghost) as the Swerve through the enemies option in the cutscene surprised me on how clean it looked. After not barrel rolling, we get to the outhouse, only to be confronted by a nameless chrono who sends us to some point in the future and dies. I'm fine with the chrono to the future part, but the outhouse and abruptly dying just seem so out of place; they made him nameless so he could literally be our Uber driver to the future and just disappear so we have no way back. Ignoring this, we meet Stellaria, a pink paladin who just happens to be in the random time and place we've teleported to. Yay, convenient. She asks for our help and being a hero we do all of her quests until we spy on who looks to be the boss of the release, Kalron. Props for making him actually look like a cool fusion of undead and technology that looks like it use lasers. Basically, instead of just mindlessly killing, we figure out what they're doing, Kalron drones a guy who's apparently more important than the chronomancer, and we fight him. Blue screen of death, and that's the end of the first part, with the revelation that Stellaria is Artix's daughter, and Kyger the kid we helped has been napped.
I will end up ranking this part as the worst, solely based on the setting and how exactly we got here, along with the fact that Kyger at the time just seemed to be dead weight which is weird when you think about how apparently important he is later. Fighting undead > Overused RPG character bathroom joke > Getting teleported into the future but we don't know when > Chrono just dies > Suddenly help a pink paladin fight a random army created through the fusion of Undead and Tech? That just SOUNDS messy before you even play it. However, the quests in the section themselves do make sense, especially Kyger's efforts to save his friends and things, so it's fine there. Just seems a little choppy. Rewards are now great and there's a solid amount of things to farm so I won't spend too much on the set grinding aspect of this.
Onto the next part. I originally had this as the best part and I might change this, due to how the pacing felt nice, and it almost felt like a little larger than the average release would be, due to the inclusion of two maps and slightly long cutscenes combined with quests that follow the story and weren't tedious. However, the very first cutscene almost throws it away for me. Queenadent Odessa from what I've heard is an Easter egg from MQ, and she's accompanied by two guards of the force that slips my mind. Anyways, this cutscene is almost the definition of unnecessary, and just ends being disappointing. Odessa doesn't say she's gonna help, all she tells us is that there's a time machine, which I guess is useful info but we could've gotten that from somewhere else; the obvious info source we have relating to the undead techy guys. Leaves and never appears again and great we tell her our plans as well. Just a weird interaction. That aside, we have an awkward LOL moment with some random bioknight who wants the axe for his people, and we beat him up as per usual. Skip a bit and we're holding the axe, and speaking with Artix, which isn't too farfetched considering if he died, he'd just become a spirit orb that sticks with his own axe. AQW doesn't really do heartfelt conversations and tries to break up the tension with O_O Artix has multiple children jokes, but I still felt like this scene served its purpose. You know what I said about pacing earlier? Surprisingly this release is basically just halfway done now. Speeding through, we rescue kyger and fight against Kalron, who we vanquish, or at least clear his browser history and reboot his OS or something. More computer jokes yay. Everything here is fine, and it honestly felt like I had a lot to play through, which is why I'm putting it near the top, if not on top. Also did some decent teases (although they weren't that important) with the scrolling binary and the switch between English and Binary making me actually want to go translate them myself. It also sets up a plan for the next release, which follows well.
Heading into stonewood deep, I'll give a quick summary. Asherion is Stellaria's big brother and the mole inside of the Deadtech fortress who now speaks to the Technolich directly, Artix has three children who we've all met now, and we're going to go teach Kyger how to be a paladin/archpaladin/warrior with rogue regen or something. After teaching kyger some actually important lessons, we whip out the old battle on line and defeat the boss of this week. They also say the probability of us succeeding in this next mission is smaller than the chance of triggering PWD. This one is either second, maybe even first on the list, as it also felt decently lengthy, and had some mechanics I haven't seen in a while. We had to build training dummies then fight those enemies, and we also just found a base of undead who we didn't massacre for no reason, which actually shows that we aren't just heartless. it's implied Kyger somehow actually helps us against Sir Kut which is unrealistic but whatever, kid somehow can wield an axe with one hand at like the age of what, 13? Self-inserts really don't work all the time do they...However the release ends with what I would call a wholesome photo montage that fades to a bleak looking success chance which, I guess you take any enjoyment you can get right?
Finally the Finally. I mean finale. 3rd on the list, as I don't know what I was expecting but this was not it. In short, It's a war without Odessa, Asherion opens the door, we fight a mad weak mini mini boss, into the boss, into the boss v2. Anything in these cutscenes feels like odd details just attached to quests. First cutscene, I can assume vortrix sends the Chronomancer, which goes against what we've already said and things, and it also seems like vortrix literally knows what is going to happen. Second one, they remodeled the pally armour, stuck skulls on it and gave it some red tech upgrades and called it vortrix. So much for something threatening. Not only that, Vortrix says the exact same thing Kalron does about their objective, and the next part is literally, Kyger swings the axe to get first hit, then leaves the room and we take on the boss. The transformation cutscene is surprisingly underwhelming. It just seemed like deadtrix took a shot then he turned into a black blob and grew. Nothing even behind it, just 2nd form thank you. Thank goodness the bosses actually do some decent damage with ranges in the 300s. Even that's not that much when it comes down to it. Final cutscene is

so dang disappointing. Even the photo montage isn't that important as it literally teleported twilly who was NOWHERE TO BE FOUND in the first cutscene into a random undead invasion for a stinky poop joke. I don't mind the cheers in the future, as those three are just celebrating their victory over a photo of us doing what we do best, while in our time, we're busy riding an outhouse down a hill. It ends with a moral and a powerpoint effect saying we beat the saga.
Ironically, where this saga actually shines is in the rewards. Each of the parts in the story had its own new rewards along with some daily gifts, and this accumulated to make one huge merge shop you can sift through for cool things. Along with a new BLoD "grind" and a couple of other neat looking undeadslaying boosted weapons. But story wise, no no no we don't do that here.
Remove Odessa and replace her with someone else we can learn the deadtech's objectives from other than just "spying" and that'll solidify my opinion of the second part starting in stonewood as the best. Did I mention Stonewood and the Tech Dungeon also have what seems to be a new unique track? Solid stuff but the order currently is as follows.
Stonewood/Tech Dungeon > Stonewood Deep > Tech Fortress > Thorngarde.
If you've been bored and made it here, lemme know what you think. I'm wasting hours writing about a flash game, so i need a break...
submitted by sagaosity to AQW [link] [comments]

THE SEARCH FOR THE GREATEST SHMUP: EPISODE 27 – Darius Cozmic Collection Console

This is it. We have finally managed to reach the shmup that started it all. The one shmup I played before any other and which inspired me to devote my time to the genre. It isn’t the best Darius game by any means, but it is certainly the one closest to my heart. We are finally reviewing Super Nova!
Ok, maybe we’re not just reviewing Super Nova. We are going to be taking a look at the entire Console Cozmic Collection and seeing how it stacks up against the Arcade Collection. They say console ports are usually downgraded versions, but will it also be the case here?
Publisher: ININ Games
Platform: Nintendo Switch
Release date: Jun 16, 2020
Price: $59.99
Tate: Please don’t use your flip grip on this one
The Darius Cozmic Collection Console is a compilation of Darius games released on consoles. This port was also developed by the brilliant M2. You can definitely set your expectations on high, because this collections is as high quality as the arcade collection, albeit with some notably absent features.
The titles included in this collection are:
THE BESTEST PORTS ARE M2 PORTS
If you read my review for the Arcade Collection, then you know what to expect from this collection. Each of the 9 included games feature a wonderful wrapping of quality of life enhancements as well as customization options.
Each title can be accessed from a main menu that features a museum style listing for each game. When highlight a game, you will be presented with an image of the title screen and a brief description of the game on its right. I found the descriptions extremely helpful when deciding which game to play. Having several versions of the same game is great for collection purposes, but the descriptions provided some much needed guidance.
While in-game, you can pull a special menu at any point by pressing ZR or ZL. This menu lets you customize several aspects of a game, such as the controls and the visuals. Just as the arcade collection, you can set your controllers to map buttons to be fire+bomb and even adjust the rapid fire setting. The visuals have less options, but staples such as the display type and scanlines are available. The “other” tab is quite lacking, as it only has the volume setting.
It wouldn’t be much emulation without some save states! Each game has a quick save option which lets you save your current state in one of 12 different slots. The saving and loading process is very smooth, and it doesn’t take any time at all to load any given state. Unlike the arcade collection, there are no ranking penalties for using save states. Rather than being a good thing, it mostly relates to a lack of rankings, but more on that later.
THE MISSING FEATURES
Whereas the arcade collection felt like a love letter to the arcade culture, the console collection lacks a lot of the charm. It’s in part understandable due the nature of consoles not being as flashy as arcades. I don’t mean to say that the work in this collection is lacking in comparison, it’s just that in general arcades had much more going on.
One of my highlights in the arcade collection was my introduction to Darius I with controller vibration in sync to the music. Sound and vibration fanfares were not available on console because there is no such thing as coin operated credits. As a result, rumble is completely absent in this collection.
All of the gadgets are missing from this edition as well. Rather than getting the art of the arcade panels or useful information, all the console collection gets is a background. When looking at both collections side by side, the console collection like extremely empty, as you only have the game screen and nothing else. The only exception is Darius Alpha, which has a boss gadget on the right side of the screen.
THE LONG LOST GAME CHANGERS
To the detriment of gameplay, some of the more useful gadgets won’t be making a return. Losing the boss analyzer and life gauges is rough, but pales in comparison to losing your arm counter. Other than relying on in-game visuals, you no longer have additional graphics showing arm strength, weapon strength or even bonus score counters.
Another addition I was really fond of was the map/zone overview on the pause screen. Most of the games show the route progression in-game (except for Darius Plus). What is lost is the ability to see the map at any time by pressing ZZL, and even worse is losing the information related to a zone. I really enjoyed knowing how many power-ups were present in a given stage, but I absolutely loved knowing which bosses would appear on which route. My routing decisions have 100% been influenced by fighting cool fishes.
To make matters worse, the replay system has been completely revamped. You can no longer save replays of your playthroughs in most of the main games. Instead, replays are reserved only for the special modes of Darius Alpha, the boss rush of Darius Force and the boss rush of Darius II. While this means there’s still a way to relive some of your greatest moments, it is limited to some modes which pale in comparison to the actual games. Oh yeah, the leaderboards are also limited to the special modes as well.
But enough about the collection, let’s get to the games.
DARIUS II/SAGAIA
Darius II and SAGAIA are ports of the original arcade game into the Mega Drive/Sega Genesis. As with arcade ports, the game had to undergo some changes in order to be playable on consoles. Sprites were redrawn to be smaller, gameplay was adapted to a single screen and co-op had to be removed. Still, it manages to fit the entire Darius II in both versions, as opposed to arcade SAGAIA which was a reduced version.
Just to clarify, Darius II and SAGAIA are the same game. The difference in naming comes from localizing the game to North America.
I’ll be honest, out of all the games in the collection, this was the one I played the least. I don’t mean to say the game isn’t good. My reduced play time comes from the fact that I already played A LOT of Darius II for the arcade collection, so for an in-depth overview I recommend checking out the Arcade Collection review.
However, I did get a couple of full playthroughs and I gotta say that it does a great job at capturing the original game’s essence! Gameplay is essencially untouched, so expect to go through the same all-or-nothing upgrade system, branching paths with Darius II bosses and some wacky endings! One of my thoughts that I have to rehash is that the game is either a cakewalk or extremely brutal depending on your upgrade level. If you keep it maxed, then the game is a breeze. If you fall even once, it’s a very tough hill to climb.
SAGAIA MASTER SYSTEM – THE BUDGET DARIUS
In an odd turn of events, a version of SAGAIA was released for the Sega Master System. For those unfamiliar, the Master System is basically the equivalent of the NES. This game exists because the 8-bit market was still going strong in Europe when it released.
As impressive as it might be to have SAGAIA on an 8-bit console, we have to consider that it had to be downgraded from an already downgraded version. If it sounds rough, it is because the game itself is extremely rough. The framerate is lower, the sprites flicker on screen and the game lags when there are too many sprites on screen.
I found it next to impossible to play this game for long periods of time. It really is hard to justify playing the lesser version when I have better alternatives in this same collection.
DARIUS TWIN
Darius Twin was the first Darius to actually be made for consoles. It isn’t an arcade port or a game adapted from a multiple screen format into a single screen. Darius Twin is a completely original entry, and as such it takes full advantage of the console format for the better!
Out of the box I have to say this: Darius Twin is easily my favorite game on this entire collection. The biggest reason is that this feels like a game that doesn’t try to be a coin sink. Instead, it plays around with the concept of a single credit and balances the game around it. The result is a shmup that feels much more fast paced, but never overwhelming and certainly not one where it’s impossible to repair from death.
In terms of mechanics, it is by all means a Darius game in its fundamentals. Pilot the Silver Hawk through branching paths, collect red/green/blue upgrades and beat the fishes. One distinct difference is that you do not lose your power level on death. Although it doesn’t sound like much, I do believe this is the one difference that greatly improves the experience.
Previous Darius games have felt, to varying degrees, as games that should be played without getting hit or else risk not being able to recover. Since Darius Twin doesn’t have this hindrance, you are always in your best shape and it helps keep the fun going. You do have to be careful, as you respawn without arm, but other than that it’s never a lost cause.
SNES AND SUPER FAMICON
Darius Twin comes in 2 different versions: One for the SNES and the other for the Super Famicon. Unlike other entries, the versions are for the most part the same. The difference is that the SNES version has localization. It also features stereo sound, whereas the SFC version had mono. Although it is nice to have the SFC version, in reality you probably want to play the SNES version all the time. Unless, of course, you want humanity to create weapons made from the bones of its kill instead of wood and rocks.
One of the most surprising aspects about Darius Twin is the sound. I’m unapologetically a SNES fan, so when I heard the game’s OST and sound effects, I felt a wave of nostalgia. The tracks and sounds are very SNES-ish and it is a style that I’m very fond of.
I really encourage everyone to go hard on this game. I really enjoyed it and I think you might share my love if you give it a go! It offers a perfect blend of action and challenge which pushes you to your limits, but is never unfair. As an extra bonus, it features several different endings depending on how many lives you lost, with the best ending being unlocked on a true no death run. Also, once you max your wind slash, don’t pickup the weapon swap.
DARIUS FORCE/ SUPER NOVA
Super Nova is a special game for me. It is the one game I remember seeing on the video store and renting thanks to the cool box art. The first stage is a memory I can vividly remember. The first enemy waves, the trilobyte miniboss, the boss theme and even his name: Biohazard.
As a side note, to this day I don’t really know who is the boss on the Super Nova box art. Judging by how long it is, it might be Peace Destroyer, but I’m not really sure.
Darius Force was released after Darius Twin. It certainly has console gaming in mind, but it draws several gameplay elements from arcade Darius. Sadly, they brought my least favorite: the checkpoint system. Dying in Darius Force has to be one of the most disappointing experiences. Upon death, the screen blacks out and you are taken back to the last checkpoint you crossed. Your beam and bombs are reset to level one, although you keep your arm upgrade levels.
It’s also the first game to feature bosses other than marine organisms. Expect to see prehistoric creatures and dinosaurs.
To counter balance the checkpoint system, Darius Force is much more generous on the power-ups. After returning to a checkpoint, you are always treated to a beam and arm power-up. A level 2 beam is quite a downgrade, but at least you get an arm to claw your way back into the game.
A TRIBUTE TO THE CLASSICS
One of the new features of Darius Force is the ability to choose your ship. At the beginning, you are given a choice of 3 different models of the Silver Hawk. The green Hawk is based on Darius I and has the wave upgrade path. The blue Hawk is based on Darius II with the napalm beam. Finally, the red Hawk is an original ship.
Another change is the fact that beam and bombs upgrade together. There are 8 different upgrade levels, with your main beam switching fire type until its final form. Collecting a red power-up will upgrade both of them 1 level. As mentioned before, dying will set you back to level 1, so it becomes crucial to stay alive once you reach level 8. A neat change is that, for the first time, you can switch your bomb type between bomb and laser. Bombs will deal more damage, while laser will go through weak enemies.
The merger of beam and bombs also has a neat strategic implication. For one, you can no longer freely shoot your beam in tandem with your bombs. If you attempt to press both buttons at once, you will fire a downgraded version of both the beam and bombs. This means you need to be more mindful of whether you want the power of your beam or the power of your bombs.
INTENTIONAL WEAKNESS
Luckily, downgrading your weapons might actually be a desirable outcome. For me, the middle levels of the green Hawk were too awkward to use, as they were piercing lasers. By pressing both buttons, I was able to revert to the trusty spread shot until my level was high enough to bypass the beam in favor of the wave shot. If you think about it, the laser is a lot like puberty. No one really likes puberty, but it is an important transition phase we can totally avoid by firing and bombing.
Darius Force includes an extra boss rush mode that was previously accessible with a special code. Rather than needing complicated button inputs, the boss rush mode can be directly accessed when choosing Darius Force from the main menu (not available for Super Nova). It is also one of the few modes which have been blessed replays and leaderboards.
DARIUS PLUS/ DARIUS ALPHA
Finally rounding up the collection are the PC titles. You can think of them as parallel universe versions of the main game.
Darius Plus is a “lite” version of Super Darius, which itself is a souped up version of the original Darius. So you can think of it as just a port of Darius on a single screen format.
As a port of Darius, it has all the levels you are familiar with, while boasting 16 different bosses. The rest of the gameplay is straight up Darius, with the notable exception being that the action is reduced to a single screen instead of having 3.
In terms of where I stand on Darius Plus as a game, I gotta say it is fun but a straight up worse version. The game doesn’t look as clean as the arcade version and the sound is also worse. I also feel like the levels are longer, or perhaps it’s just the screen reduction making levels seem longer than they should be. One thing for sure, is that the gameplay feels dragged on to the point of feeling boring at times. There are sequences that felt like they repeat endlessly until you reached the end of the stage.
The one thing it’s got going over the its original arcade counter part is the 1cc gameplay. Rather than being able to pump credits endlessly, Darius Plus plays on a single credit and is balanced around that as a result. One particular change that makes me happy is that you don’t return to a checkpoint upon dying.
This game exists to remind me how much I hate the laser on the original Darius.
DARIUS ALPHA: THE BOSS RUSH: THE GAME
Finally we have Darius Alpha, the compilation of the extra modes. Instead of being an actual game, Darius Alpha is a boss rush against the 16 bosses. Just like Plus, you have a single credit to beat the whole game. Power-ups are automatically acquired in between boss rounds, but the same restrictions as the main game applies. This means that you will lose your power level if you die, up until your latest upgrade.
The selling point of Alpha in this collection is that it has most of the ranking modes for the collection. The extra modes are the following:
LAST WORDS
Out of the gate, I have to say that this is the worse of the 2 collections. The arcade collection has the Darius games in its pure arcade form. Games which stand strong even to this day when it comes to quality. M2 took these games and made them even better with their porting expertise and several love letters to the games. The console collection not only contains downgraded versions, but also lacks some of the finer details that made them great in the first place.
Despite having more games, Darius II/SAGAIA and Darius Plus are basically downgrades of Darius II and Darius I respectively. This leaves us with Darius Twin and Darius Force to carry the collection, and they actually do! Darius Force might not be as fantastic as I remember, it certainly feels slower than I remember, but I did constantly revisit it while creating this piece because it is a very enjoyable game. Darius Twin was the great surprise, as I find it to be my absolute favorite in this collection, and a strong contender to Darius Gaiden in my opinion.
With all that being said, I consider the contents of this collection to be very good, but with a very notable flaw: the price. At $59.99, this collection is a very tough sell. I can’t in good faith recommend it highly, as the same amount of money can purchase several highly rated titles in this list. In fact, it could even get you the arcade collection and the #1 shmup Ikaruga. Still, the quality of the collection is something I can’t deny, so I’ll be weighting that much more than the price in its final ranking.
THE RANKING SO FAR:
  1. Ikaruga
  2. Psyvariar Delta
  3. Darius Cozmic Collection Arcade
  4. Devil Engine
  5. Rolling Gunner
  6. Blazing Star
  7. Jamestown+
  8. Darius Cozmic Collection Console
  9. Tengai
  10. Steredenn: Binary Stars
  11. Stardust Galaxy Warriors: Stellar Climax
  12. Sky Force: Reloaded
  13. Strikers 1945
  14. Black Paradox
  15. R-Type Dimensions EX
  16. Sine Mora EX
  17. Shikhondo – Soul Eater
  18. Ghost Blade HD
  19. AngerForce: Reloaded
  20. Aero Fighters 2 (ACA Neogeo)
  21. Q-YO Blaster
  22. Lightening Force: Quest for the darkstar (Sega Ages)
  23. Pawarumi
  24. Red Death
  25. Task Force Kampas
  26. Switch ‘N’ Shoot
  27. Last Resort (ACA Neogeo)
submitted by AzorMX to shmups [link] [comments]

[Review] Ranking all the Switch shmups Ep26 – Darius Cozmic Collection Arcade

We’ve all had a game that is a gateway to a specific genre. That one game which made us pay attention to a style of games and allowed us to fully experience the genre. It might not have been the first one we play, but it is definitely one that stays closer to our hearts. For me, this game was Darius.
I’ve mentioned this in the past, but I will say it again: Darius is the shmup that is closest to my heart. I loved the horizontal gameplay, I loved the Silver Hawk, I loved all the huge bosses that looked like fishes. The gameplay also hit bunch of chords that resonate with what I love about shmups. I’ve been waiting so long for this, so alas, I present to you: Darius Cozmic Collection Arcade!
Publisher: ININ Games
Platform: Nintendo Switch
Release date: Jun 16, 2020
Price: $44.99
Tate: Built-in
Darius Cozmic Collection Arcade is a collection of the Darius games released on the arcades. This wasn’t your typical cabinet, as one of its main features was the usage of multiple screens. Darius used 3 screens, while Darius II/SAGAIA used 2 screens. M2 really went out of their way to bring the most authentic arcade experience! The result is impressive to say the least!
This collections includes 4 games:
Darius and SAGAIA include 3 and 2 different versions respectively, bringing it to a total of 7 playable games.

ARCADE GLORY

As hard as this might be to believe, I have never played an arcade Darius game before. I always mentioned Darius as my favorite shmup, but the truth is that I began with the SNES games. I had heard on the street that the arcade versions were superior so I was very excited.
When I booted the original version, I couldn’t help but feel like I was standing next to an actual arcade cabinet. The game greeted me with 3 screens places next to each other on the center of the screen. I was excited to play, so I pressed the coin button. I was not prepared for what I was about to experience…
As soon as I inserted the coin, a typical fanfare played along as my credit counter increased by one. But there was something else. The controller started vibrating to the tune of the music. I just can’t make justice to this effect with words. It felt like being inside an actual arcade cabinet. Vibrations and sound made the experience feel authentic. It made me think about the arcade days where you would hear cabinets everywhere and just feel the energy of the place.
As soon as I started to play, the screen changed and the empty spaces were replaced by arcade artwork. This artwork was exactly the kind you would see pasted near the controllers to show you how to play and other general information. Everything about the game was designed to make you feel like on the arcade. This is the kind of presentation that every other arcade port should try to achieve.

FISH GRAVY

What truly sets apart the Darius Cozmic Collection from any other collection is the amount of features and arcade fidelity that M2 added to the game. Every single aspect, every single menu and every single feature was lovingly added to create a masterpiece.
From the get go, you will be presented with the very familiar “A boss is approaching” message featuring King Fossil. The message just says that your game data is approaching fast. It really is only a fancy way of saying the game is loading, but it sets the tone to the orgasmic experience that you are about to have with the game.
After going through the intro scene, you will be greeted with the main menu which contains all 7 playable titles in this collection. You also have a replay, manual and staff options. If you are wondering where the options are, they are specific for each game, so they must be adjusted from within each game. My only complaint here is that the manual is in japanese. There isn’t much to learn from a manual though. The only thing was the Darius Gaiden capture mechanic, so I picked that one up from the internet.

AN ENTIRE LEGACY

Speaking of the games, 7 different titles can be quite intimidating. If you are anything like me, then chances are you don’t know what’s “new ver” or “extra ver”. Thankfully, each game features a sort of museum display that features a screenshot of the menu, the title, the launch date and a very thorough description of the game. The text will navigate you through each version of the games and specifically highlight why it is different from its predecessor or what was changed when going to western markets.
Each game includes a training mode for those who wish to challenge specific parts of the game. Training mode will let you choose to play any stage and customize a variety of settings such as the strength of your Silver Hawk and the game rank, which is the in-game difficulty. The obvious use for this mode is to practice your piloting skills and go for the 1CC. Even casual players can view this as a pseudo level select cheat code for maximum enjoyment!
Perhaps one of the most amazing inclusions of the collection is the replay mode. For every one of your play throughs, there is an option to save a replay of your play session. What differs from regular replays, is that they pack an incredibly robust set of features. Other than being able to watch a recording of yourself, you can see your inputs and control the playback of the replay. You can rewind, fast forward, go back, increase the speed or even go full slow-mo to analyze your gameplay.

KING OF THE ARCADE

Challenging oneself is one thing, but going after the world is the true spirit or arcade shmups. Darius Cozmic Collection Arcade features online rankings which are separated into 2 categories: “Arcade” and “All-mix”. Arcade is played with every setting on default and using only one credit. If you are playing and choose to spend an additional credit to continue, then your scoring is changed to “All-mix”. All-mix is a catch-all for every other style, from easy difficulty to hard or even static rank modes.
If you ever wondered what’s it like to play like the king of the leaderboards, then you’ll be glad to know you can download leaderboard replays! This allows you to watch the entire play throughs of top players, along with their inputs and the previously mentioned playback features of a replay. A must have for those willing to go for the record or even those curious about what it means to be a champion.

YOUR PERFECT CABINET

The in-game menu for each game will further let you customize your gameplay experience. The amount of options is truly staggering, so suffice to know that you can change in-game setting as difficulty and score for an extend, screen quality adjustments like scan lines and gadgets, and the controllers.
One menu I really want to highlight is the gadgets menu. Gadgets are responsible for making the gameplay experience truly stand out. They track all sorts of data from yourself and the enemies. From a friendly side, you can see your current level of power, the number of hits your arm can take and the information related to the current zone. From a less friendly side, you have all sorts of analyzers that display the current boss, their weakness and detailed HP for each of their parts. There’s even a life gauge that appears at the bottom of the screen for easy viewing when fighting bosses!
Although I could see an argument against being way too much information, I’m personally thankful because I’m a data nerd and I love knowing all this information. If it is too much for you, then you can always turn off the gadgets and customize the screen to your liking. The real beauty comes from creating your perfect cabinet.

THE EMULATOR ADVANTAGE

One of the main selling points of emulators has been the ability to use save states. Darius Cozmic Collection is no slouch and features save states of its own! These save states will let you cheese the game as much as you want, but they also let you replay specific sections and master them for your future arcade runs. I won’t judge you, so have fun with save states! The only caveat is that using save states will not record your score. Unfortunately, replays will only record from the last time you loaded the save state onwards. So there’s no chance of creating tool-assisted runs.
Oh yeah, I forgot to mention that bringing up the in-game menu will completely pause the game and show you a fully-fledged map of the game, complete with boss encounters for each zone and the amount of power-ups featured in said zone. It really is great for strategy purposes to know which stage will allow you to upgrade your Silver Hawk! Resuming a game will also give you a 3 second count down with a jumping robot animation to ensure you are ready for action. This detail wasn’t really needed, but it is one of the many ways in which M2 shows appreciation for Darius and the player.
Out of all this nitty gritty details, I have to say the song name is one of my favorites. In the bottom right corner of the screen there is a pop-up that appears when the song changes and displays the song name. I just think it looks really cool. By the way, don’t forget to check “Olga Breeze”, my favorite song!

DARIUS, THE OG

Darius, the game that started it all. Featuring 3 screens, this is the biggest Darius game featured in this collection (ha!). If I may add, I also think this is the game that highlights all the love M2 poured into bringing arcade experiences to your living room. With features such as the cabinet art and the body sonic vibration, it really brings home the arcade feeling.
As you can expect, playing the first game on the series is both, a nostalgic and a painful experience. Playing on 3 screens is truly magical, but at the same time, it is a victim to the older design choices. Not much that can be done here, after all, it is a decades old game. Just a small detail to keep in mind.
Darius helps establish the foundations of the franchise from the very first game. One of the Darius staples is the upgrade system for the Silver Hawk. Throughout the game, you can encounter 3 different orbs which are dropped by different colored enemies. The orbs can be red, green or blue.

SILVER HAWK

Red orbs will upgrade your primary fire. Each orb increases your power, but collecting 7 will upgrade your shot to the laser, and then the wave. Green orbs will upgrade your bomb, which is your secondary fire. Bombs also get stronger with more orbs and also upgrade when you reach 7. Blue orbs will give you a shield called arm. The initial shield blocks 3 hits and any additional orb will add 1 more hit. Just like red and green, you can upgrade after 7 orbs which will make it so that additional orbs give you 2 hits and then 3.
The downside to the upgrade system is that, upon death, you will lose every orb you collected in your current tier. The good news is that if you, for instance, managed to upgrade to the laser, then your shot can never fall below that. The bad news is that the number of orbs is limited per stage, which means it is almost impossible to upgrade within a stage the same stage where you died. The exception is a single stage that has 7 blue orbs in the old version and one with 7 green in the extra version.

THE FISH

The most distinguishable characteristic of the franchise is definitely the marine bosses. The stages are all over the place with a very diverse space settings, but the bosses are always one thing: fish. Actually, I’d say it is marine biology, but fish is an overly simplistic way to describe it. Darius also has one peculiarity which is that every set of stages has the same boss. For example, the 4th stage boss will always be Fatty Glutton in a different version depending on which zone you chose.
The other defining feature of Darius is being able to choose your adventure. After each boss, you can choose to go to one of 2 different zones. This choice is made by either being on the top or bottom half of the screen, as the stage actually splits after beating the boss. It certainly took me off guard the first time as I crashed into the divider. Despite having the same boss, the zones are drastically different and carry the strategic choice of having a different number of orbs. Your path will be determined by which aspect of your Silver Hawk you want to improve.

THE COINS

What struck me the most about Darius is how unforgiving it is. This is expressed in the descriptions of the newer versions. The thing about Darius, is that the game is next to impossible to beat if you didn’t fully upgrade. Later enemies are merciless and if you don’t have sufficient firepower, then you probably won’t stand a chance. This ruthlessness is exacerbated by the death system, as death will set you considerably behind. Because upgrades are usually a 2-stage effort, getting shot will set you back 2 levels worth of progress.
A fun aspect I found on Darius is the dynamic created by having 3 screens. This is probably the widest game I have played, and it brings new challenges to the table. The first one is that you need to gain screen position to succeed. Being at the front is usually better, with moving back feeling like losing real estate. The reason behind this is that you are able to shoot down enemies before they become a threat with their numbers. The other less obvious reason is the number of bullets allowed on screen. That number is limited, so it is in your best interest that those bullets expire fast so you can fire new ones. Being back equals more time before they reach the end of the screen, which is undesirable.
Overall, the game poses a unique challenge, but I’m not going to lie, it is actually really fun to play. Achieving an upgraded Silver Hawk is a hard endeavor, but that makes it even more rewarding when you pull it off!

DARIUS II/SAGAIA, THE PROOF US WESTERNERS HAVE SHORT ATTENTION SPANS

Darius II came in and simplified the game in some interesting ways. First of all it reduced the upgrade system so that it is now only a single stage that can be maxed out. The number of orbs was reduced to compensate. Another simplification comes courtesy of the screens themselves. The number of screens was reduced from 3 to 2 in order to be installed in other dual screen cabinets such as The Ninja Warriors.
Unfortunately, the single stage of upgrades means that the game is even more savage when you die. This time around, you actually lose all of your progress in terms of firepower. There will be special rainbow orbs which help you catch up a little, but even then they might be a little too late. As a result, my 1CC had to be done by never dying.

I ALWAYS WANTED A THING CALLED A TUNA SASHIMI

One thing I want to mention, is that Darius II has my absolute favorite intro sequence of any Darius game in this collection. From the music that goes ramping up to the main theme, to the voice lines calling out the launching sequence:
“Main engine energy level, 20% increase !”
“I always wanted a thing called tuna sashimi”
“3…2…1…”
It all creates an unbelievable sense of excitement!
A very fun piece of trivia is the existence of SAGAIA. It exists to be a compact version of Darius II to be sold on western markets. Then there’s actually 2 versions of it which feel like 2 pieces of the same game. If SAGAIA trimmed certain pieces of the game, then version 2 came to use those trimmed pieces and created another entry. It’s actually quite funny.

DARIUS GAIDEN, THE KING

Darius Gaiden is definitely the reason you will keep playing the arcade collection. Quality in older games under a modern eye is usually a product of nostalgia and design elements that still hold on in today’s gaming landscape. Contrasting with that, Darius Gaiden IS a fantastic game that I wouldn’t hesitate to purchase if it was released today.
For Darius Gaiden, less is more, as this time around the game was played on a single screen arcade cabinet. The game does seem to lack some of the ambient goodies such as the rumble effects, but it makes up for it in gameplay experiences.

TRUE POWER

One aspect that is radically different from its predecessor is the upgrade system. Whereas Darius II simplified the Silver Hawk upgrade system, Darius Gaiden took it back to its original Darius roots. This means that, once again, we have multiple upgrade points. Upgrades take considerably less red power-ups to achieve, which actually makes it possible to upgrade multiple times during the same stage.
Death penalties are lower as well with death only losing you a level of power. Because there are more power levels, it is more forgiving and doesn’t set you completely behind like the previous entries. Perhaps the best of all is that neither arm nor bombs have any penalty whatsoever. What’s more, you don’t even lose your arm or bomb level when losing a credit. I can say with 100% certainty that this game is actually possible to complete within a reasonable number of credits if you die on the later zones.
I would take it one step ahead and say this game has a little of the Contra syndrome. The original Contra is a game that was considered hard, but was significantly easier if you could maintain the spread shot. In the same vein, getting the earliest upgrades makes Darius Gaiden a breeze. A well deserved victory, if you ask me.

YOU’RE MINE NOW!

New to Darius Gaiden is the ability to capture mid bosses. Half-way through a stage, you will encounter a medium sized boss with a purple orb somewhere in its back. If you manage to take down the orb without killing the enemy, it will detach and slowly drift away. If you capture this orb, then the mid boss will fight alongside you until its timer expires. I gotta say that having a huge fish on your side is surprisingly satisfying!
Having a single screen makes the experience much more familiar for shmup enthusiasts. While it does lose some of the charm of the ultra wide field of view, it also rids itself of nuances such as your horizontal movement being low in terms of total horizontal space or the limit on on-screen bullets.
A combination of those factors I mentioned contribute to making Darius Gaiden a much better experience. It’s simple to play and forgiving when you lose. Every stage is unique and makes every new play through a completely different experience, not just in a different-ish way, but rather full blown new content!

A LEGENDARY PACKAGE OF NOSTALGIA

There’s one thing that you might be thinking, and that’s that I might be biased because it is Darius. It is true that I openly admit everywhere that Darius is my favorite. However, in this particular case my work was cut out for me, I don’t need to be biased because this is truly a wonderfully crafted collection that deserves to be on everyone’s Switch.
It contains every possible version of Darius you might have encountered on the arcades and then sprinkled some top notch features that make it stand on a class of its own when it comes to ports. It also helps that the Darius games remain to be as fun as they always have been, even with their caveats. I took 3-4 times more time to play this collection, not because it had a lot of content, but because I loved playing every second of it and wanted to try it all. Wanted to 1CC every version, wanted to traverse every possible stage, wanted to created masterful replays.
The only possible downside I can see to this collection is the price. $44.99 is a very high price compared to other shmups on the market. In terms of features and overall content (because remember, every game has more than an alphabets worth of different zones) it does warrant its price. Although I can see people double guess their decision, with this game being close to the cost of a first party title and significantly higher than other shmups.

TOP 3

My tentative placement for Darius Cozmic Collection Arcade was on the top 3 spots. I really had a hard time deciding where to put it, so I went back and revisited both Ikaruga and Psyvariar Delta. After finishing my Ikaruga play through, I was reminded of the magic that is Ikaruga and how special it is. Psyvariar Delta also reminded me of the buzz system and how the refined gameplay and level ups work towards creating an experience that I can’t quite put into words.
The main defining factor, however, was that I don’t think any of the Darius games in the collection beats the top 2 contenders. The 7 games as an aggregate, are certainly a force to be reckoned with thanks to the superb M2 porting labour. With that being said, I will award it a 3rd spot because the gameplay experience is incredible, but a little held back by the age of the games and the hefty price tag.
Still, Darius will always be #1 in my heart.

THE RANKING SO FAR:

  1. Ikaruga
  2. Psyvariar Delta
  3. Darius Cozmic Collection Arcade
  4. Devil Engine
  5. Rolling Gunner
  6. Blazing Star
  7. Jamestown+
  8. Tengai
  9. Steredenn: Binary Stars
  10. Stardust Galaxy Warriors: Stellar Climax
  11. Sky Force: Reloaded
  12. Strikers 1945
  13. Black Paradox
  14. R-Type Dimensions EX
  15. Sine Mora EX
  16. Shikhondo – Soul Eater
  17. Ghost Blade HD
  18. AngerForce: Reloaded
  19. Aero Fighters 2 (ACA Neogeo)
  20. Q-YO Blaster
  21. Lightening Force: Quest for the darkstar (Sega Ages)
  22. Pawarumi
  23. Red Death
  24. Task Force Kampas
  25. Switch ‘N’ Shoot
  26. Last Resort (ACA Neogeo)
submitted by AzorMX to NintendoSwitch [link] [comments]

[Review] Ranking all the Switch shmups Ep27 – Darius Cozmic Collection Console

This is it. We have finally managed to reach the shmup that started it all. The one shmup I played before any other and which inspired me to devote my time to the genre. It isn’t the best Darius game by any means, but it is certainly the one closest to my heart. We are finally reviewing Super Nova!
Ok, maybe we’re not just reviewing Super Nova. We are going to be taking a look at the entire Console Cozmic Collection and seeing how it stacks up against the Arcade Collection. They say console ports are usually downgraded versions, but will it also be the case here?
Publisher: ININ Games
Platform: Nintendo Switch
Release date: Jun 16, 2020
Price: $59.99
Tate: Please don’t use your flip grip on this one
The Darius Cozmic Collection Console is a compilation of Darius games released on consoles. This port was also developed by the brilliant M2. You can definitely set your expectations on high, because this collections is as high quality as the arcade collection, albeit with some notably absent features.
The titles included in this collection are:
THE BESTEST PORTS ARE M2 PORTS
If you read my review for the Arcade Collection, then you know what to expect from this collection. Each of the 9 included games feature a wonderful wrapping of quality of life enhancements as well as customization options.
Each title can be accessed from a main menu that features a museum style listing for each game. When highlight a game, you will be presented with an image of the title screen and a brief description of the game on its right. I found the descriptions extremely helpful when deciding which game to play. Having several versions of the same game is great for collection purposes, but the descriptions provided some much needed guidance.
While in-game, you can pull a special menu at any point by pressing ZR or ZL. This menu lets you customize several aspects of a game, such as the controls and the visuals. Just as the arcade collection, you can set your controllers to map buttons to be fire+bomb and even adjust the rapid fire setting. The visuals have less options, but staples such as the display type and scanlines are available. The “other” tab is quite lacking, as it only has the volume setting.
It wouldn’t be much emulation without some save states! Each game has a quick save option which lets you save your current state in one of 12 different slots. The saving and loading process is very smooth, and it doesn’t take any time at all to load any given state. Unlike the arcade collection, there are no ranking penalties for using save states. Rather than being a good thing, it mostly relates to a lack of rankings, but more on that later.
THE MISSING FEATURES
Whereas the arcade collection felt like a love letter to the arcade culture, the console collection lacks a lot of the charm. It’s in part understandable due the nature of consoles not being as flashy as arcades. I don’t mean to say that the work in this collection is lacking in comparison, it’s just that in general arcades had much more going on.
One of my highlights in the arcade collection was my introduction to Darius I with controller vibration in sync to the music. Sound and vibration fanfares were not available on console because there is no such thing as coin operated credits. As a result, rumble is completely absent in this collection.
All of the gadgets are missing from this edition as well. Rather than getting the art of the arcade panels or useful information, all the console collection gets is a background. When looking at both collections side by side, the console collection like extremely empty, as you only have the game screen and nothing else. The only exception is Darius Alpha, which has a boss gadget on the right side of the screen.
THE LONG LOST GAME CHANGERS
To the detriment of gameplay, some of the more useful gadgets won’t be making a return. Losing the boss analyzer and life gauges is rough, but pales in comparison to losing your arm counter. Other than relying on in-game visuals, you no longer have additional graphics showing arm strength, weapon strength or even bonus score counters.
Another addition I was really fond of was the map/zone overview on the pause screen. Most of the games show the route progression in-game (except for Darius Plus). What is lost is the ability to see the map at any time by pressing ZZL, and even worse is losing the information related to a zone. I really enjoyed knowing how many power-ups were present in a given stage, but I absolutely loved knowing which bosses would appear on which route. My routing decisions have 100% been influenced by fighting cool fishes.
To make matters worse, the replay system has been completely revamped. You can no longer save replays of your playthroughs in most of the main games. Instead, replays are reserved only for the special modes of Darius Alpha, the boss rush of Darius Force and the boss rush of Darius II. While this means there’s still a way to relive some of your greatest moments, it is limited to some modes which pale in comparison to the actual games. Oh yeah, the leaderboards are also limited to the special modes as well.
But enough about the collection, let’s get to the games.
DARIUS II/SAGAIA
Darius II and SAGAIA are ports of the original arcade game into the Mega Drive/Sega Genesis. As with arcade ports, the game had to undergo some changes in order to be playable on consoles. Sprites were redrawn to be smaller, gameplay was adapted to a single screen and co-op had to be removed. Still, it manages to fit the entire Darius II in both versions, as opposed to arcade SAGAIA which was a reduced version.
Just to clarify, Darius II and SAGAIA are the same game. The difference in naming comes from localizing the game to North America.
I’ll be honest, out of all the games in the collection, this was the one I played the least. I don’t mean to say the game isn’t good. My reduced play time comes from the fact that I already played A LOT of Darius II for the arcade collection, so for an in-depth overview I recommend checking out the Arcade Collection review.
However, I did get a couple of full playthroughs and I gotta say that it does a great job at capturing the original game’s essence! Gameplay is essencially untouched, so expect to go through the same all-or-nothing upgrade system, branching paths with Darius II bosses and some wacky endings! One of my thoughts that I have to rehash is that the game is either a cakewalk or extremely brutal depending on your upgrade level. If you keep it maxed, then the game is a breeze. If you fall even once, it’s a very tough hill to climb.
SAGAIA MASTER SYSTEM – THE BUDGET DARIUS
In an odd turn of events, a version of SAGAIA was released for the Sega Master System. For those unfamiliar, the Master System is basically the equivalent of the NES. This game exists because the 8-bit market was still going strong in Europe when it released.
As impressive as it might be to have SAGAIA on an 8-bit console, we have to consider that it had to be downgraded from an already downgraded version. If it sounds rough, it is because the game itself is extremely rough. The framerate is lower, the sprites flicker on screen and the game lags when there are too many sprites on screen.
I found it next to impossible to play this game for long periods of time. It really is hard to justify playing the lesser version when I have better alternatives in this same collection.
DARIUS TWIN
Darius Twin was the first Darius to actually be made for consoles. It isn’t an arcade port or a game adapted from a multiple screen format into a single screen. Darius Twin is a completely original entry, and as such it takes full advantage of the console format for the better!
Out of the box I have to say this: Darius Twin is easily my favorite game on this entire collection. The biggest reason is that this feels like a game that doesn’t try to be a coin sink. Instead, it plays around with the concept of a single credit and balances the game around it. The result is a shmup that feels much more fast paced, but never overwhelming and certainly not one where it’s impossible to repair from death.
In terms of mechanics, it is by all means a Darius game in its fundamentals. Pilot the Silver Hawk through branching paths, collect red/green/blue upgrades and beat the fishes. One distinct difference is that you do not lose your power level on death. Although it doesn’t sound like much, I do believe this is the one difference that greatly improves the experience.
Previous Darius games have felt, to varying degrees, as games that should be played without getting hit or else risk not being able to recover. Since Darius Twin doesn’t have this hindrance, you are always in your best shape and it helps keep the fun going. You do have to be careful, as you respawn without arm, but other than that it’s never a lost cause.
SNES AND SUPER FAMICON
Darius Twin comes in 2 different versions: One for the SNES and the other for the Super Famicon. Unlike other entries, the versions are for the most part the same. The difference is that the SNES version has localization. It also features stereo sound, whereas the SFC version had mono. Although it is nice to have the SFC version, in reality you probably want to play the SNES version all the time. Unless, of course, you want humanity to create weapons made from the bones of its kill instead of wood and rocks.
One of the most surprising aspects about Darius Twin is the sound. I’m unapologetically a SNES fan, so when I heard the game’s OST and sound effects, I felt a wave of nostalgia. The tracks and sounds are very SNES-ish and it is a style that I’m very fond of.
I really encourage everyone to go hard on this game. I really enjoyed it and I think you might share my love if you give it a go! It offers a perfect blend of action and challenge which pushes you to your limits, but is never unfair. As an extra bonus, it features several different endings depending on how many lives you lost, with the best ending being unlocked on a true no death run. Also, once you max your wind slash, don’t pickup the weapon swap.
DARIUS FORCE/ SUPER NOVA
Super Nova is a special game for me. It is the one game I remember seeing on the video store and renting thanks to the cool box art. The first stage is a memory I can vividly remember. The first enemy waves, the trilobyte miniboss, the boss theme and even his name: Biohazard.
As a side note, to this day I don’t really know who is the boss on the Super Nova box art. Judging by how long it is, it might be Peace Destroyer, but I’m not really sure.
Darius Force was released after Darius Twin. It certainly has console gaming in mind, but it draws several gameplay elements from arcade Darius. Sadly, they brought my least favorite: the checkpoint system. Dying in Darius Force has to be one of the most disappointing experiences. Upon death, the screen blacks out and you are taken back to the last checkpoint you crossed. Your beam and bombs are reset to level one, although you keep your arm upgrade levels.
It’s also the first game to feature bosses other than marine organisms. Expect to see prehistoric creatures and dinosaurs.
To counter balance the checkpoint system, Darius Force is much more generous on the power-ups. After returning to a checkpoint, you are always treated to a beam and arm power-up. A level 2 beam is quite a downgrade, but at least you get an arm to claw your way back into the game.
A TRIBUTE TO THE CLASSICS
One of the new features of Darius Force is the ability to choose your ship. At the beginning, you are given a choice of 3 different models of the Silver Hawk. The green Hawk is based on Darius I and has the wave upgrade path. The blue Hawk is based on Darius II with the napalm beam. Finally, the red Hawk is an original ship.
Another change is the fact that beam and bombs upgrade together. There are 8 different upgrade levels, with your main beam switching fire type until its final form. Collecting a red power-up will upgrade both of them 1 level. As mentioned before, dying will set you back to level 1, so it becomes crucial to stay alive once you reach level 8. A neat change is that, for the first time, you can switch your bomb type between bomb and laser. Bombs will deal more damage, while laser will go through weak enemies.
The merger of beam and bombs also has a neat strategic implication. For one, you can no longer freely shoot your beam in tandem with your bombs. If you attempt to press both buttons at once, you will fire a downgraded version of both the beam and bombs. This means you need to be more mindful of whether you want the power of your beam or the power of your bombs.
INTENTIONAL WEAKNESS
Luckily, downgrading your weapons might actually be a desirable outcome. For me, the middle levels of the green Hawk were too awkward to use, as they were piercing lasers. By pressing both buttons, I was able to revert to the trusty spread shot until my level was high enough to bypass the beam in favor of the wave shot. If you think about it, the laser is a lot like puberty. No one really likes puberty, but it is an important transition phase we can totally avoid by firing and bombing.
Darius Force includes an extra boss rush mode that was previously accessible with a special code. Rather than needing complicated button inputs, the boss rush mode can be directly accessed when choosing Darius Force from the main menu (not available for Super Nova). It is also one of the few modes which have been blessed replays and leaderboards.
DARIUS PLUS/ DARIUS ALPHA
Finally rounding up the collection are the PC titles. You can think of them as parallel universe versions of the main game.
Darius Plus is a “lite” version of Super Darius, which itself is a souped up version of the original Darius. So you can think of it as just a port of Darius on a single screen format.
As a port of Darius, it has all the levels you are familiar with, while boasting 16 different bosses. The rest of the gameplay is straight up Darius, with the notable exception being that the action is reduced to a single screen instead of having 3.
In terms of where I stand on Darius Plus as a game, I gotta say it is fun but a straight up worse version. The game doesn’t look as clean as the arcade version and the sound is also worse. I also feel like the levels are longer, or perhaps it’s just the screen reduction making levels seem longer than they should be. One thing for sure, is that the gameplay feels dragged on to the point of feeling boring at times. There are sequences that felt like they repeat endlessly until you reached the end of the stage.
The one thing it’s got going over the its original arcade counter part is the 1cc gameplay. Rather than being able to pump credits endlessly, Darius Plus plays on a single credit and is balanced around that as a result. One particular change that makes me happy is that you don’t return to a checkpoint upon dying.
This game exists to remind me how much I hate the laser on the original Darius.
DARIUS ALPHA: THE BOSS RUSH: THE GAME
Finally we have Darius Alpha, the compilation of the extra modes. Instead of being an actual game, Darius Alpha is a boss rush against the 16 bosses. Just like Plus, you have a single credit to beat the whole game. Power-ups are automatically acquired in between boss rounds, but the same restrictions as the main game applies. This means that you will lose your power level if you die, up until your latest upgrade.
The selling point of Alpha in this collection is that it has most of the ranking modes for the collection. The extra modes are the following:
LAST WORDS
Out of the gate, I have to say that this is the worse of the 2 collections. The arcade collection has the Darius games in its pure arcade form. Games which stand strong even to this day when it comes to quality. M2 took these games and made them even better with their porting expertise and several love letters to the games. The console collection not only contains downgraded versions, but also lacks some of the finer details that made them great in the first place.
Despite having more games, Darius II/SAGAIA and Darius Plus are basically downgrades of Darius II and Darius I respectively. This leaves us with Darius Twin and Darius Force to carry the collection, and they actually do! Darius Force might not be as fantastic as I remember, it certainly feels slower than I remember, but I did constantly revisit it while creating this piece because it is a very enjoyable game. Darius Twin was the great surprise, as I find it to be my absolute favorite in this collection, and a strong contender to Darius Gaiden in my opinion.
With all that being said, I consider the contents of this collection to be very good, but with a very notable flaw: the price. At $59.99, this collection is a very tough sell. I can’t in good faith recommend it highly, as the same amount of money can purchase several highly rated titles in this list. In fact, it could even get you the arcade collection and the #1 shmup Ikaruga. Still, the quality of the collection is something I can’t deny, so I’ll be weighting that much more than the price in its final ranking.
THE RANKING SO FAR:
  1. Ikaruga
  2. Psyvariar Delta
  3. Darius Cozmic Collection Arcade
  4. Devil Engine
  5. Rolling Gunner
  6. Blazing Star
  7. Jamestown+
  8. Darius Cozmic Collection Console
  9. Tengai
  10. Steredenn: Binary Stars
  11. Stardust Galaxy Warriors: Stellar Climax
  12. Sky Force: Reloaded
  13. Strikers 1945
  14. Black Paradox
  15. R-Type Dimensions EX
  16. Sine Mora EX
  17. Shikhondo – Soul Eater
  18. Ghost Blade HD
  19. AngerForce: Reloaded
  20. Aero Fighters 2 (ACA Neogeo)
  21. Q-YO Blaster
  22. Lightening Force: Quest for the darkstar (Sega Ages)
  23. Pawarumi
  24. Red Death
  25. Task Force Kampas
  26. Switch ‘N’ Shoot
  27. Last Resort (ACA Neogeo)
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