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One Piece 500K subscribers Survey Result!

It's time for the result of our latest survey! And it had 7252 participant! So thank you everyone that took time to answer those questions.
You should be able to see the answer if you go there : https://docs.google.com/forms/d/1KfHOyWHQTyFEEeAYvCZRxBc3_ZGZxJn6ZUztiwMdVjE/edit

Community section :

What country are you from?

Country U.S.A. Germany India Australia Canada U.K. Bazil France Spain Sweden
Percentage 33.1 % 7.4% 5.4% 5% 4.8% 4.4% 3.1% 3.1% 2.1% 1.7%
Is nice to see that we have users from all around the world, even if nearly 50% are from English speaking countries.
Image 1.

How old are you?

The average age of a /OnePiece user is 23.62 years old. We have roughtly 10% of users that are underaged, and 10% that are 30 years old or more.
Image 2.

Gender

Gender Male Female Other
Percentage 88.6% 8.9% 2.5%
There is no surprise there.
For the others, we have some Gender Fluids, transgenders, Bigenders, quite a lot of Non-binary, a Loli, a Furry, and nearly a 100 Oden (You wish), as well as some rude people, but I won't put up what they said.

Manga or Anime?

Both Manga Only Anime Only
49.8% 46.2% 4%
No real surprise here either. Considering the subreddit has a lot of spoilers and is focussed around the chapter release, it's obvious there are only a few Anime Only people here. So thank you for Sticking Around, even if it the best place to avoid spoilers.

For approximately how long have you been following One Piece?

1 Year or less 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years or more
8.7% 6.2% 6.8% 6.1% 8.1% 7.1% 6.7% 7.1% 4.6% 38.5%
Nearly 40% of our users have followed the series for 10 years or more. (To give an idea, this mean they followed the series since Before the timeskip, as chapter 597 was released at the end of August 2010).
For the rest, we have roughly the same number of new readers that stays with the series. So it's quite good to bring new blood and not have a decrease of new readers.

Where does One Piece rank on your list of favorite manga?

N°1 Top 3 Top 5 Top 10 Bellow Top 10
70.1% 21.6% 5% 2.6% 0.6%
Well, you are in /OnePiece after all. So it's kinda obvious the manga is either your favorite or in your top 3.
If it isn't your number 1, what series are better than One Piece for you?

Do you own One Piece Merchandise?

No Manga Volumes Figurines Clothes Poster DVD/Blu-ray
44.2% 33.1% 24.5% 18.4% 17.2% 6.3%
Those are some good numbers I would say, 55.8% of users have some merchandise and are probably supporting the series (depending on where you bought those)
For the OTHERS answers given, some good ones are : autograph from dub VA of brook, Alvida pre devilfruit bodypillow, Chopper teddy bear, Sountracks, Custom made and 3D printed Keychain, Databook.

Subreddit Section :

Do you visit OnePiece mostly on mobile or on desktop?

Mobile or Apps Both Desktop
50.6% 29.5% 19.9%

If you are using desktop, are you using the old version of reddit? Or the redesign?

Redesign Old version
63.3% 36.7%
It seems like most users are using Mobile and Apps, as well as the redesign on desktop, so it's probably time to pay more attention to that than to the old version, this way we can get banners/flair for users that are on the new version of reddit.

How often do you make : a submission on OnePiece?/Comment?/read the rules?

Submission :
Never Rarely Sometimes Often Very often (Daily)
67.1% 24.7% 5.6% 1.6% 1%
Comments :
Never Rarely Sometimes Often Very often (Daily)
41.2% 32.7% 17.6% 6.7% 1.8%
Check the rules :
Never Rarely Sometimes Often Very often (Daily)
49.1% 17.1% 13.7% 8% 12%
This really shows that there are a lot of lurkers on the subreddit. Most of you won't ever post or comment on the subreddit. With 8% of users creating submission and 25% commenting.
As for the rules, there isn't any surprise since nearly every post respect the rules. (Only 1/5 of the post needs to be removed), so thank you to all of those that read them.

Content you enjoy the MOST/the LEAST.

Content you enjoy the most :
Theories/Discussion Fanart Polls Cosplay Merchandise Youtube Video Media (Photo and Video)
89.6% 47.9% 19.7% 16.7% 14.4% 14.1% 11.7%
So without surprise, people in this subreddit enjoy the Theories/discussions the most out of every type of post, it's then followed by the Fanarts.
Which is good since like 75% of posts made are Discussion (50% total)/Fanarts (25% total).
Content you enjoy the least:
Youtuber Video Merchandise Cosplay Media Fanart Polls Theories/Discussion
36.7% 35.1% 31% 15.7% 15.3% 6.9% 4.2%
Here there aren't any content that most users enjoy the least, but it still seems like users don't want to see that much Merchandise or Cosplay post. (Youtuber video are very rare)
Also, a quick reminder, Discussion/Theories are mostly found by sorting by New. This is where you will see all of them, as it's hard for them to show up on the front page of the subreddit (but if it shows up on Hot, then it's a very good one).

Do you only use the subreddit for the Spoiler and Chapter Discussion thread?

No Yes
63.4% 36.6%
It's nice to see that roughly 2/3 of the users are here for more than just the Spoilers and Chapter discussion. But there is still a huge part that only use the subreddit for that.

Do you want the spoilers gone from this subreddit?

No Yes
86.7% 13.3%

Rate your overall experience on OnePiece.

Here it's seems that out of 10, the Overall Experience on /OnePiece is 8.35
Image n°3

One Piece related questions :

Who is your favorite Straw Hat?

Luffy Zoro Nami Usopp Sanji Chopper Robin Franky Brook Jinbe
34.8% 29.1% 1.3% 6% 10.1% 1.8% 6.5% 2.4% 5.4% 2.6%

Who is your least favorite Straw Hat?

Luffy Zoro Nami Usopp Sanji Chopper Robin Franky Brook Jinbe
0.8% 3.3% 10.6% 15% 6.5% 21.3% 4% 19.2% 8.3% 11.1%
As it was expected, Luffy is the Favorite Straw Hat for a lot of peopel, he's also the Straw Hat with the fewest "Least Favorite". After him Zoro is second favorite, followed by Sanji, Robin, Usopp, Brook, with the other Straw Hat having very few votes (and Nami having the Least "Favorite" Straw Hat.)
After that, it seems like Chopper, Usopp, and Franky are the one people like the least out of the Straw Hat.
I know it was a hard question for some of you, but the result are still interesting to know.

Which Strawhat has the saddest backstory?

Robin Brook Sanji Chopper Nami Other
50.9% 25% 9.3% 7.1% 5.8% 1.9%
The Straw Hats with the saddest backstory is Robin! Followed by Brook, then Sanji, Chopper and Nami.

What is your favorite Yonko crew?

Red Hair Whitebeard Big Mom Beast Blackbeard
34.7% 31.1% 14% 10.6% 9.5%
So the favorite Emperor's crew are the Red Hair Pirate! Which is very impressive since we haven't seen much of them. I guess Oda better delivers when it come to see them in action after Wano.

Who is your favorite Admiral?

Garp Aokiji Fujitora Kirazu Akainu Sengoku Green Bull
28.4% 28.2% 20.8% 15.8% 4.7% 1.7% 0.5%
While Garp was only a Vice Admiral, he was put in the poll, and he won it! Whitout him, it's Aokiji that is the favorite, followed by Fujitora.
Image 4

Who is your favorite Supernova (outside the Straw Hat)

Law Kid Bonney Urouge Bege X Drake Hawkins Apoo Killer
63.5% 12.4% 5.5% 4.5% 4.3% 4% 2.8% 1.7% 1.3%
Who else than the character that nearly managed to defeat Luffy in the 5 popularity poll? Law is the Favorite Supernova outside of the Straw Hat!

Which is your favourite canon arc in One Piece?

The Favorite Canon Story arc are (You could vote for more than 1) :
Position Story arc Result
N°1 Enies Lobby 43.3%
N°2 Marineford 39.8%
N°3 Wano 30.2%
N°4 Water 7 23.3%
N°5 Impel Down 19.6%

Which is your least favourite canon arc in One Piece?

The Least Favorite Canon Story arc are (You could vote for more than 1) :
Position Story arc Result
N°1 Long Ring Long Land Arc 37.2%
N°2 Fishmen Island 16.9%
N°3 Syrup Village 15.8%
N°4 Thriller Bark 10.1%
N°5 Punk Hazard 9.7%

Favorite Cover Story?

Position Cover Story Result
N°1 Enel's Great Space Operations 24%
N°2 From the Decks of the World : "The 500.000.000 Man Arc" 11%
N°3 The Stories of the Self-Proclaimed Straw Hat Grand Fleet 10.7%
N°4 Ace's Great Blackbeard Search 9.8%
N°5 Straw Hat's Separation Seria 9.6%

Character Design in One Piece :

Do you like the female character designs in One Piece?
Yes No I have no opinion.
63% 19% 18%
Do you like the male character designs in One Piece?
Yes No I have no opinion.
89.6% 0.9% 9.5%
It's true that Oda isn't the best when it comes to Female character design. However it seems like the majority of users don't have a problem with that.

Are fight a determining factor for your enjoyment of the series/arc?

Yes No
52.6% 47.4%
Now this is rather surprising I must say. What do ou thing about this?

What is/are your (absolute) favourite aspect(s) of One Piece?

From the result we have, it seems like the World-Building is the favorite part of One Piece (With 88.6% of voters choosing this).
It's followed by The Adventure (69%), The characterization (54.4%), the Inter-character relationship (49.4%), the Action (36%) and the Art Style (26.2%).
And those result are obvious. Some of the most upvoted chapters of this subreddit are when we have huge world building moment, like 907 (Shanks talks to the Elders), or 957 (ULTIMATE).

Post-Timeskip is?

On Par with Pre-TS Better than Pre-TS Worse than Pre-TS
59.8% 28.2% 12%
This question is one of the most asked. With a lot of vocal voices saying that post TS is worse than Pre-TS.
It's different for sure, but now we know how the community feels about that.

If you could eat a Devil Fruit, what type would you want?

Paramecia Zoan Logia
28.9% 8.6% 62.5%
Most people could choose to eat a Logia, and it seems like becoming a Furry is the lesser choice in this subreddit.

The Final Antagonist of One Piece will be :

With 48.5% it's Blackbeard!
Really? That is surprising for me since it's obvious that Oda will make the SH fight against the World Government after they find the One Piece. And I honestly don't see Blackbeard being the final Antagonist because of that.
So people who voted for this, what was your reasoning for it?

What is One Piece Biggest Flaw?

Some of the biggest flaws mentionned are :
  • The Pacing
  • The Lack of characters' death outside of Flashback
  • The Anime.
Which are all fair flaws to the series.

Random Questions about the Series :

As of Wano, is Jimbei stronger than Zoro?

Yes No Yes but Zoro will be stronger soon
9.8% 60.3 29.9%
I guess people really want Zoro to always be the second strongest no matter what... I expected this result, but I was still disappointed...

Was Zoro as strong as Luffy just after the timeskip?

Yes No
31.5% 68.5%
I... Really? 31.5% said yes?

Will Sanji get laid by the end of the story?

Yes No
49.6% 50.4%
Nearly the perfect split, and it's easy to see why it's very divisive. (Also shows that every vote counts).

Will Usopp be part of the 1 Billion Club by the end of the story?

Yes No
76.4% 23.6%

The Straw Hats will go to Laugh Tales :

Before fighting the WG After Fighting the WG
71.1% 28.9%
It's been hinted at a lot that the SH will go to Laugh Tales before taking on the WG. So for me it feels rather strange to have more than 1/4 voting for them reaching the final island after.

Who will be the one to defeat Kaido? (So give the last hit)

With 66.3% of the votes the one who will give the last hit to Kaido is : Luffy!
Followed by 11.5% with someone else (that isn't Law/Kid/Zoro/Big Mom/Scabbard/Admiral) and 11% by one of the Scabbard.
Zoro received 6.4% of the votes.

Who will be the first SH to realize their dream?

Luffy Zoro Nami Usopp Sanji Chopper Robin Franky Brook Jinbe
16.2% 12.5% 3.2% 32.7% 7.8% 1.8% 15% 6.8% 2.8% 1.2%
Most users believe that Usopp will be the first one to realize his dream!
I also think the same as it's the easiest Dream to realize really. I could bet you it will happen in Elbaf.
After that, we have Luffy and Robin, and it make sense since their dreams are linked. Both can be done once they reach Laugh Tales.

How many members will the crew have at the end? (With Luffy)

And most people want 11 members total in the crew! (With 28.6%), 27.5% wants 12 members, wile 19.8% want the crew to be complete right now with Jinbe.

Who do you think wins in a 1v1 : An Emperor or an Admiral?

Yonko Admiral
92.3% 7.7%
If you are active on the subreddit, you know it's one of the question that creates the most discussion/arguments about.
So it's nice to know the overall opinion of the subreddit on this question (Doesn't mean it's always correct mind you).

Is Mihawk emperor's level?

Yes No
57.7% 42.3%
Also a very divisive question on this subreddit.

Is Aokiji emperor's level?

Yes No
38.3% 61.7%

Is Akainu emperor's level?

Yes No
66.2% 33.8%
So they fight for 10 days in a very close battle. With Akainu winning in the end, but after a long and hard fight. And one is Emperor's level while the other isn't?
Really? I find that hard to understand.

If Oden was alive would he be stronger than Mihawk

Yes No
63.7% 36.3%

How strong was Oden at the time of his death?

The strongest Top 3 Top 5 Top 10 Top 20 < Top 20
1.4% 15.4% 32.5% 37.5% 11.9% 1.4%
I like Oden, but sometimes I feel like people are overestimating him.

Who is stronger between Shanks and Mihawk?

Shanks Mihawk
85.6%% 14.4%
This is also one of the question creating the most arguments on this subreddit, after all Mihawk is the World Strongest Swordman. But Shanks is an Emperor and became one after losing his arm.

Is Kaido stronger now that 20 years ago?

Yes, he's stronger Same level Weaker
64.5% 26.3 9.2%

Had Ace survived, would Wano be liberated by now?

Yes No
17.9% 82.1%

Could the Marines take on ALL the Yonko at the same time ?

Yes Yes in Marineford only No 2 at the same time 3 at the same time
2.4% 3.3% 68.6% 23% 2.7%
This question is also linked to how you see the Emperor vs Admiral. So depending on which side you are on, you are more likely to pick Yes or No.

Which character do you want focus on next?

Rank Character %
N°1 Vegapunk 24.7%
N°2 Dragon 18.8%
N°3 Shanks 14.6%
All very good choices, and all of them are character we have known for a long time without really knowing.

Will Blackbeard find the One Piece before Luffy?

Yes No
18.7% 81.3%

How strong is Monkey D. Dragon?

The strongest Top 3 Top 5 Top 10 < Top 10
3% 18.8% 31.8% 37.5% 8.9%
Here, most people seems to think that Luffy's father, Garp's son is part of the strongest characters of the series. Oda better respond to our expectations then.
As for his Bounty : Well, 31.6% think it will be more than 6 Billions and 28.1% think it will be between 5-6 billions.
That remind me, I once made a poll asking people what Sabo's bounty would be (since we knew it was getting revealed in a magazine soon). So maybe I will do the same for Dragon? That could be nice.

Who is currently the strongest Emperor?

Kaido Shanks Blackbeard Big Mom
43.1% 26.4% 26.3% 4.2%
I wonder if the recent chapters made people change their perception on this...

What are the fights you would want to see?

Fight %
Blackbeard vs Shanks 55.5%
Garp vs Rocks 54.9%
Garp vs Roger 54.8%
Mihawk vs Shanks 52.6%
Akainu vs Aokiji 44.6%

How long do you think One Piece has left? (At a rate of 40 chapters a year)

Image 5.
As you can see, most people think One Piece has at least 5 years left to go on. We will know Oda is terrible with respecting his own objectives. And this is good. The more One Piece the better.

On a scale from Spandam to Whitebeard/Roger, How strong is Im?

For this question, it seems like most people put Im at the same level as Whitebeard/Roger with 28.6% voting Im being there.
I honestly don't know how strong I want Im to be.

What arcs, after Wano, do you want?

The arcs people want the most are :
Arc %
Elbaf 79.8%
Laugh Tales 68.6%
Vegapunk 67.5%
The Final War 66.3%
Red Hair Pirates 38.2%
So arcs teased for years (Elbaf/Laugh Tales/Final War) and about character that people want to see (Vegapunk/Red Hair pirates).

How is Blackbeard able to use multiples Devil Fruits?

Reason %
More than 1 soul 29.5%
Weird Body 29.7%
Yami Yami 35.2%
Other 5.6%
It's one of those question were people have very different opinion about. And right now there isn't really a major concensus in the fandom, even if the theory about it being related to the Yami Yami is more popular.
In the Other catergory, there was the Cerberus Devil Fruit option, Blackbeard being a Triplet, him being actually 2+ kids in a trenchcoat, him being a failed Vegapunk experiment, having several stomachs him being pregnant (Stop reading fanfiction), him putting the power inside his rings, being a great guy and him being a cunt.

Haki is :

Image 6
Overall, People like Haki in the series, with a 4.38 out of 5!

How many arcs are left after Wano?

Image 7
Here, it seems like the answer for the community would be 4-5 arcs left. Which would then make (base don the How long One Piece has left), like a year per arc on average.

The final war of One Piece will be :

Reason %
SH+RA vs WG+Marines vs BB 50.8%
SH+RA vs WG+Marines 37.6%
SH vs RA vs WG 6.8%
Other 4.8%
I just don't see Blackbeard being in the final war, as my opinion is that he will be dealt with before it. For the other answers, there was Straw Hats vs Blackbeard Pirates, Family of D vs vs im sama, Total civil war in marines, Straw Hat vs Shanks, Straw hat vs Pound, Zoro vs World Goverment, Dugongs vs buggy.

Will Luffy die at the end of One Piece?

Will Luffy die? %
Yes 28%
No 72%
An ending were Luffy died wouldn't be a good ending for me. He needs to survive and go on more adventures.

Are Shakky and Rayleigh Mihawk's parent?

Answer %
Yes 10.2%
No 89.9%

Will the crew still be together at the end of the series?

Answer %
Yes, they will keep going on adventure together.| 57.6% o, they will move on, like the Roger Pirates| 42.4%
Like with Luffy living, I want the Crew to stay together, and sail together for many more adventures. I could see them taking breaks from time to time, but them staying together would be the best ending for me.

Can the Red Line be destroyed with Ancient Weapons?

Answer %
Yes 91.9%
No 8.1%

What is the biggest mystery left to be revealed?

The most common answers were : The Void Century, the Will of D, Im, The One Piece, Joy Boy, Luffy's mother and Who is Pandaman?

What is the One Piece?

Here, there was plenty of : "No idea", The friends we made along the way, a Devil Fruit, Knowledge, Uranus, History, a book, my mom.

What sort of Devil Fruit do you want to see in the story?

The most common answer was : Water Logia! Followed by Wind Logia and people wanting more mythical Zoans.

What is the craziest theory you believe?

Here are a few of them :
  • Shanks is a Celestial Dragon
  • That Vegapunk is going to flip a switch in the Pacifista programming to fight the marines at the end.
  • Luffy's mom was a celestial dragon
  • Devil fruits are all artificial from the void century
  • That Finland doesn't exist
  • Zoro is going to get Rodger's disease
  • D's were the original Celestial Dragons
  • Weevil was made by Vegapunk using Whitebeard's cells and then was discarded until Bakkin picked him up
  • One of the Roger Pirates (probably Scopper Gaban) is on Laugh Tale waiting for whoever finds it, sort of like how Crocus and Rayleigh seem to be positioned to monitor rookie pirates
  • Onigashima is an Oarz like skeleton and Big Mom is gonna bring it to life.
  • The different races came from other planets/moons
  • Tama is a Kurozomi
  • Ussop is a descendant of Mont Blanc Nolan
  • Luffy hatched from an egg.
  • The fish that bit Shanks's arm off was Joyboy's pet
  • Bon chan is Kin'emon's son
  • Oda no longer draws the manga
  • bonney and ace having a child
  • That Perospero is going to help kill Big Mom.
  • Dragon being former Admiral
What are your favorites?
And here it is, the 500K survey! Took me far too long to make, as I underestimated the time needed to sort the answer and create this post. Like damn.
I hope you enjoyed it. The anwers for the Survey Saga will be up next in some time.
submitted by Kirosh to OnePiece [link] [comments]

[SA] My experience with getting a name and gender change in Adelaide

If you haven't seen my first post about getting a diagnosis and HRT, you can find it here.
Hey, I'm Emma (legally now!!!), a 29 year old trans woman, and as of today I've completed almost everything involved in the name and gender change process. Given it's a ton of work (and a fair expense), I thought I'd write up the steps I followed to make it easier for anyone else trying to do the same thing.

Prepare

Get a notebook or a text doc on your computer, or something like that. Write down every company you interact with, everyone who emails you, every place you have an account with, basically anything that has your deadname on it.
Now, go through these and see how many you can just change without providing proof. A lot of companies just let you edit it (or will do so if you email them and ask). For the ones that don't, start noting down what ID they require. A lot will just be happy with a scan of your birth certificate, but some will want photo ID, a utility bill, or a certified copy of one of those.
Certified copies are a bit of a pain, basically you need to make a photocopy (or scan and print) the document, then take the copy and original to someone "authorised" who will look over the two, then stamp and sign it to say they're identical. Companies vary on who they'll allow to certify a document, but basically everyone accepts a Justice of the Peace (JP), and most councils run a free JP service, which is what I used. Note that JPs can certify email bills, but in a slightly different way - they basically just get you to swear that it's a legitimate copy and sign some stuff, but as far as I can tell it works just fine.

Get a letter from a medical professional or psych

In South Australia you *do not* need to have had surgery to qualify for a gender change. I got mine on the back of ~4 months HRT, and I believe psychiatric help will also do. I asked my endocrinologist for a letter and she was happy to provide one.

The Birth Certificate

Okay, here's the big one! You'll need to fill out a Change of Sex or Gender Identity form (PDF, Website) and a Change of Name form (PDF, Website). Read the hell out of the websites and PDFs, they're long and confusing but you need to know this stuff! Print out the forms and fill them out. On the gender change form, you can choose from Male, Female, Non-binary, or Indeterminate/intersex/unspecifed.
The cost if you do both at once is $321 (at time of writing). I got a bit worried by the combined discount because the forms both have individual payment sections, but what you do is just put the $321 on one form and write "see [first form's name] for full amount" on the other and they figure it out. This fee includes them sending you two (!!) nice new birth certificates. Both are just normal looking certificates, but one only has your new name and gender on it, and the other has a change list on the back, which includes your old ones (this is very useful for changing your name elsewhere).
Another tip for the forms is that there's basically only one spot on the name form that asks for your new name, every other field wants your deadname. On the gender change form, it doesn't ask for your new name at all, they just figure it out because you're sending the forms in at the same time. If you have any questions about the form you can call the office of Consumer and Business Services on 131 882. The person I spoke to was really friendly and helpful, and got the answers I needed after a bit of searching.
You're going to need a bunch of ID for these forms, and you'll also need a witness for the change of name, so it's time to head to a JP (again, use the free council service) and get that done. I was told by CBS that each form needed its own ID (so two copies of each document), so make sure you've got enough copies. I also recommend making a backup copy of your old birth certificate, because you're putting the original in an envelope and posting it off, and that's kinda dicey imo. I also really recommend using some combination of registered post/tracking/insurance, depending on your level of worry.
Post the forms off along with your old birth certificate and ID, and wait anxiously. The CBS website estimates about a month's wait, but mine got done in about 10 days! You don't get any warning that it's done, just a letter from the SA Gov in the mail with the new birth certs in it. Take a moment to celebrate this, because for me opening that letter was the best feeling in the world. You earned it, well done!

Medicare

I'm going to tell you right now: do not bother trying to look up the process for this. It's the classic bureaucracy experience. Instead, just email [[email protected]](mailto:[email protected]) with the subject line Change of Name (DeadSurname DeadFirstname) and a scan of the front and back of your new birth certificate that shows the changes. No other stuff, no forms (this is important), just that. They send you an autoreply that says it'll take months, but that's for new applications and stuff like that. I got a response in 9 days - a lady calling from a blocked caller ID (thanks Services Australia) to confirm a couple of details, and the change went through that afternoon. Obviously it takes a while to send out the new card, but in the meantime if your Medicare is linked to MyGov, you can download the Medicare app (confusingly called Express Plus Medicare on iOS) and it has a card display feature that people should accept. There's no charge for this process.
Note that you may need to get prescriptions/blood test forms/etc re-issued in your new name, I'm not sure about this but I'm emailing my endo tonight.

Photo ID

I don't have a driver's license, so I can't comment on that, but here's the Proof of Age Card process, which I imagine is fairly similar? First, you'll need to fill out an application form (PDF, Website), then head into Services SA (don't do the online application, I'm guessing you'll want a new photo), and let them know you've changed your name and want to update your proof of age card. They'll give you a form to fill out that updates your details with the government department, and ask to see your birth certificate (bring the original with the change list). Fill out the form and take that, your birth cert, your old proof of age card, and your application form from earlier to the counter when you get called, they'll process it, take your photo, and a week or two later you should have your new card! The cost is $25. Here's me celebrating about it!

ATO

Second easiest of the lot! You just go to their website via MyGov, choose the option from the menus, enter in your details exactly as they appear on your birth cert (pay attention to the little diagram, it explains where to find everything), it does some verification magic, and you're done! No wait, no documents, no forms!

SA Water

The best one. Just log in to their website, hit My Settings, then Edit Details. Done!

Everything Else

I highly recommend getting some easy utilities done first - a lot of other places require a utility bill in your new name, and you'll be waiting for your next billing date for them. Once you have them and your list of what needs certified copies, head back to the JP and get them all done in a big batch. You'll probably need a lot of copies of your birth cert (front and back to show the change) as well. Head to the post office and buy some prepaid envelopes too.
Company website searches can suck, I recommend googling [company name] change name. You'll usually find a PDF form with all the requirements or a web page that spells it out. Worst case, give them a ring and they can help you out. Also, if you have a will, don't forget to update that too!
AGL: You need to call them. They may also need to re-create your online account to make it show the new name in there.
NAB: Need to go in person to a branch with your birth cert (showing the change) AND photo ID in your new name. This is a recent policy change.
ING: You need to fill out a form, provide certified copy of your birth cert (front and back) and post it all to them. Took about a week for them to call me to verbally confirm the change. They posted the cards out the same day, and provided SMS updates as well.
Super: Each fund should have the details on their website, the two I dealt with required a posted form and certified ID.
Amex: You call them, upload a scan of your birth cert (front and back) through the website while on the phone, and they sort it out.
Optus: Posted form, birth certificate showing change (front and back). They don't say it needs to be certified but I did it anyway to be safe. The address listed on the form and the website are different. I tried the form's address and it worked fine, took 9 days.
Council: I called them to ask, just needed to email them scans of my birth certificate (front and back), might vary from place to place
House title, etc: Have not tried. Expensive and needs a conveyancer.
submitted by emmadaboutlife to transgenderau [link] [comments]

/r/Popheads 150k Subscriber Census Results!

Hello! Here is the general sum of the 150k census survey! We had a total of 2697 participants - a 3% decrease from the 75k subscriber census.
View the full results here!

Age Demographics of /Popheads

Age Participants Percent
2 1 0.04%
12 1 0.04%
13 6 0.25%
14 18 0.74%
15 28 1.15%
16 65 2.67%
17 119 4.90%
18 160 6.58%
19 184 7.57%
20 222 9.14%
21 250 10.29%
22 240 9.88%
23 219 9.01%
24 179 7.37%
25 138 5.68%
26 138 5.68%
27 107 4.40%
28 80 3.29%
29 64 2.63%
30 55 2.26%
31 30 1.23%
32 23 0.95%
33 22 0.91%
34 13 0.53%
35 26 1.07%
36 9 0.37%
37 3 0.12%
38 4 0.16%
39 3 0.12%
41 1 0.04%
43 4 0.16%
44 1 0.04%
45 1 0.04%
46 1 0.04%
50 1 0.04%
51 1 0.04%

Gender Demographics

(Please note that the creator of this census, me (picc), is a cis female who intended on the next two questions being gender vs sex identity and realized that the original wording of the questions were a bit confusing. I'm sorry for this and we will make sure that it's more clear in the future.)
Gender vs Sex Identity Participants Percent
Agender 21 0.79%
Cis-Gender 2455 92.36%
Genderfluid 1 0.04%
Non-Binary 6 0.23%
Pan-Gender 1 0.04%
Trans-Gender 89 3.35%
Questioning 67 2.52%
Other 18 0.68%
Sex identity Participants Percent
Binary 1 0.04%
Female 983 36.58%
Gender-non-conforming 1 0.04%
Genderfluid 1 0.04%
Genderqueer 11 0.41%
Male 1579 58.76%
Non-binary 72 2.68%
Non-binary man 1 0.04%
Other 2 0.07%
Pangender 1 0.04%
Questioning 32 1.19%
Transmasculine 2 0.07%
Transfeminine 1 0.04%

Sexual Orientation Demographics

Sexual Orientation Participants Percent
Asexual 54 2.01%
Bi and Ace 1 0.04%
Bicurious 2 0.07%
Bisexual 604 22.54%
Demisexual 2 0.07%
Don’t Identify 1 0.04%
Gay 849 31.68%
I don't know 6 0.22%
Lesbian 106 3.96%
Other 9 0.34%
Pan, lesbian-leaning 1 0.04%
Panromantic Ace 1 0.04%
Pansexual 72 2.69%
Queer 89 3.32%
Questioning 5 0.19%
Straight 878 32.76%

Current Relationship Status

Relationship Status Participants Percent
Cohabitating 152 5.65%
In a relationship 474 17.63%
Married/Domestic Partnership 166 6.18%
Single 1896 70.54%

Ethnicity Demographics

Ethnicity Participants Percent
Asian (includes East Asian, Southeast Asian, and origins in the Indian subcontinent) 392 14.59%
Askenazi Jewish 1 0.04%
Australian 1 0.04%
Black 107 3.98%
Hawaiian / Pacific Islander 5 0.19%
Hispanic/Latino/Latina (non-white) 140 5.21%
Hispanic/Latino/Latina (white) 187 6.96%
Indeginous Australian / Aboriginal Australian 5 0.19%
Indigenous American / Native American 14 0.52%
Indigenous Canadian 1 0.04%
Indo European 1 0.04%
Jewish 4 0.15%
Kurdish 1 0.04%
Middle Eastern 50 1.86%
Mixed / Biracial 142 5.28%
NZ Maori/Pakeha 1 0.04%
Other 4 0.15%
Romani 1 0.04%
White (Non-Hispanic/Latino/Latina) 1630 60.66%

Location Demographics

Location Participants Percent
Australia/New Zealand 165 6.14%
Canada 245 9.11%
Caribbean 4 0.15%
Central America 5 0.19%
Central Asia 1 0.04%
Central Europe 1 0.04%
East Asia 8 0.30%
Eastern Africa 1 0.04%
Eastern Europe 48 1.79%
Middle East 26 0.97%
North America 29 1.08%
Northern Africa 5 0.19%
Northern Europe 55 2.05%
Oceania 1 0.04%
Russia 5 0.19%
South America 90 3.35%
South Asia 20 0.74%
Southeastern Africa 2 0.07%
Southeastern Asia 85 3.16%
Southern Africa 4 0.15%
Southern Europe 33 1.23%
United Kingdom 260 9.67%
United States 1474 54.82%
Western Asia 1 0.04%
Western Europe 121 4.50%

Native English Speakers

The highest non-english native languages were: Spanish, Portuguese, Dutch, German, French, Filipino, Polish, Arabic, Italian, and Swedish!

Education Demographics

Highest Level of Education Participants Percent
Attained High School degree or equivalent 213 7.93%
Completed Masters/Doctorate or equivalent 198 7.37%
Completed undergraduate or equivalent 879 32.74%
Still in High School or lower 305 11.36%
Still in college/got some college credit 1090 40.60%

Employment Demographics

Please note this census occurred as the COVID-19 shutdowns began, so this may not be completely reflective of the current status of Popheads.
Employment Status Participants Percent
Employed - Full Time 844 31.38%
Employed - Part Time 386 14.35%
Not Employed 333 12.38%
Self Employed 64 2.38%
Student (Not Employed) 1063 39.52%

Mental and Physical Health Statistics

Food Preferences

There were so many! Here are the top 5:
Note - this is the same as the last census!

How Long Have You Been a Part of the Community?

Popheads Status Participants Percent
1-2 years 869 32.32%
2+ years 1074 39.94%
3 to 6 months 170 6.32%
6 to 9 months 166 6.17%
9 months to 1 year 273 10.15%
Less than 3 months 137 5.09%

We're Overrun By Lurkers!

Lurkability Participants Percent
Lurk 1290 47.97%
Only comment 595 22.13%
Rarely comment and post 406 15.10%
Comment and post sometimes 331 12.31%
Comment and post often 67 2.49%

Other Subreddits We Use

Blackpink is in WHICH area?
HipHopHeads, Indieheads, Music, Kpop, ListenToThis, LetsTalkMusic, EDM, WeAreTheMusicMakers, ElectronicMusic, and R&BHeads say hello

Popheads is the Best Music Sub, and we have the talent to prove it

85.2% of us (2277 respondents) primarily use Popheads, while 14.8% (395 respondents) do not
88.6%% of us use Popheads as our primary source of entertainment! We also primarily use Pitchfork, NPR, and Rolling Stone.
We love making our own music! Just kidding. 82.6% (2,208) of our respondents don't make their own music.

Listening Hours and Methods

Hours spend listening to music per week

Hours of Listening Participants Percent
<5 hours 144 5.37%
6-10 424 15.81%
11-15 442 16.48%
16-20 430 16.03%
21-30 497 18.53%
31-40 318 11.86%
41-50 168 6.26%
>50 hours 259 9.66%

Percentage of that time listening to new music

New Music? Participants Percent
<20% 1719 64.09%
21-40% 755 28.15%
41-60% 156 5.82%
61-80% 40 1.49%
81-100% 12 0.45%
A little more than half of our participants listen to "pop" music more than 50% of the time.
We use phones as our primary source of listening tool, followed by computer, radio, music player, and others. We buy our music primarily as digital downloads, but plenty of us (919, 46%) buy CDs, and the cool kids (760, 38.1%) buy vinyl.
Spotify came out on top as the primary streaming service with 2,160 participants using it, followed by YouTube at 1,605 participants. (This and the above were multiple answer options). Apple Music came in with 549 participants, barely beating out Soundcloud who had 469!

Miscellaneous

We're suckers for Pitchfork!
73.8% of participants have friends they can comfortably discuss music with.
We are also a part of other communities on Last.fm and Discord! Though, 875 people said they are not part of other communities.

Favorites

Top 5 TV Shows: The Good Place, Bojack Horseman, Breaking Bad, Parks and Recreation, and The Office
Top 5 Movies: Parasite, Mean Girls, La La Land, Titanic, and Interstellar
Top 5 Video Games: Animal Crossing, Minecraft, The Sims, Pokemon, and Skyrim
Top 5 Musical Acts: Taylor Swift, Charli XCX, Lady Gaga, Lana Del Rey, and Lorde
Top 5 Books: Harry Potter, 1984, The Great Gatsby, A Little Life, and Lord of the Rings
Lots of you still don't read or have a favorite book!

Artists We Rated

Heavily Favored (Primarily 4s and 5s)

Heavily Disliked (Primarily 1s and 2s)

Mixed Bag (Leaning neither way)

All pets were 5/5 thank you

submitted by Piccprincess to popheads [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]

💎THE RESULTS: r/RomanceClub Community Survey!💎

💎THE RESULTS: RomanceClub Community Survey!💎
First of all, thank you very much to everyone who took part in the second ever Reddit Romance Club community survey! We mods were absolutely amazed by the high number of responses, so thank you for making this such a vibrant and engaged community! You all rock.
After grinding the (many) numbers, here are the results, which we hope you will find as interesting as we did.
Just a note: this survey was opened at the end of May and closed shortly after the June release, hence its questions only barely included Legend of the Willow and did not include Dracula: a Love Story. For this reason, we have not counted the (very few) replies that have been given in the "other" boxes mentioning characters that were not yet available as Lis/known as LIs in the May release (think Leo, Vlad, Kazu etc) as this would have not been fair to those who had answered the survey before the June update.
Having said that... buckle up for the ride! Lots of interesting info ahead.
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💎Question 1: Which RC story is your favourite?

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No one will be surprised to find out that Heaven's Secret is the top story in this community right now, chosen by over 45% of the respondents. Our nostalgic heart is very happy, however, to see some old favs still make the podium - albeit trailing significantly behind. Moonborn and Shadows of Saintfour score second and third place, only separated by a handful of votes at around 11%, but newer release Chasing You is already breathing on their neck at 10.7%.
A healthy mix of new and old stories follows: Sails in the fog is in fifth place with 7.8% of the preferences, while Legend of the willow, after only a few episodes, already scores a very good sixth place, in a tie with Seduced by the rhythm at 4.3% of the votes. Queen in 30 days is seventh with 3.5% and My Hollywood Story is eighth with 1.2%.
Last place goes to Wave Patrol at 0.4%, which sadly doesn't come as a shock given the general feeling that the romantic/reputation points system was too complicated.
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💎Question 2: Who are your favourite LIs?

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HS being the most popular story unsurprisingly propels some of its main LIs onto the podium with supersonic speed.
Bad boys rule, with Lucifer taking the crown with a whopping 65.7% of the votes and Alexander (CY) taking silver at 49.3%. The nice guys are not too far behind, though, with Dino in third place at 47.4% and Max (MB) only just about missing the podium in fourth place at 45.3%. We go back to bad boys with Brandon (SBR) in fifth, but soft spoken Sam (CY) is ready to balance things out again with his sixth place.
The most surprising result on top of the rankings is Jake (WP) who makes the top ten with a very healthy seventh place. He is really hard work, but obviously we all think he's totally worth it!
Old favourites Michael (SOS) and Victor (MB) still hold onto the hearts of their fans by scoring eight and ninth place respectively. First among the women - and the only female LI to make the top 10 - is the delightfully devilish Mimi (HS).
Waves' mate Sebastian misses the top ten only by a hair, placing himself in 11th place with a healthy 20.7%. Bodyguard Adam is the most favourite LI in Q30 in 12th place, followed by a row of SOS boys, with John, Derek and Aaron scoring very similar percentages in 13th, 14th and 15th place respectively. Sweetheart Ray is no longer the most favourite LI to come out of MHS, as in this round he ends up in a tie for 16th place with none other than his almost polar opposite, rough and ready Captain Jeff.
Leonard from Q30 (17th place) ties with Cherry from SOS but at least he beats his brother Richard (20th place) in the heart of the readers - and we all know that he'd be pretty pleased with that. Claire (SBR) is the second most favourite female LI in 18th place, while mysterious Luke (SOS) completes the top 20 in 19th place.
Here are the rest of the Lis who placed lower than the top 20:
(21) Carlos (SBR) 9.2%
(22) Justin (SBR) 8.6%
(23) Benny Bart (MB) 8.4%
(24) Tarino (MHS) 8.1%
(25) Gino (MHS) tied with Stephanie (SOS) at 7.8%
(26) Dante (MB) 6.9%
(27) Andy (HS) 6.3%
(28) Mike (MHS) 6.1 %
(29) Alek (WP) tied with Dante (CY) at 5.9%
(30) Kayla (WP) 5.3 %
(31) Alex (MHS) 3.9%
(32) Chris (SIF) 3.4%
(33) Frances (MB) 3.2%
(34) William (SIF) 3.1%
(35) Trisha (MB) 2.6%
(36) Charles (SBR) 2.1%
(37) Orlando (SBR) 1.8%
(38) Chris the bodyguard (MHS) tied with Adi (HS) at 1.6%
(39) Ellen (MHS) tied with Manta (SIF) at 1.2%
(40) Masked Man (SOS) 1.1%
(41) Ellia (CY) 0.8%
(42) Mermaid (SIF) 0.6%
(43) Simon (MB) 0.4%
(44) Charles (WP) tied with Emma (Q30) and Jackie (SIF) at 0.2%.
These lower rankings include some LIs that, based on the discussions we see on the subreddit, we were not expecting to get as many votes as they did - and vice versa. Dante from CY has more votes than Orlando from SBR? And Chris the bodyguard (MHS) beat the Masked Man (SOS)? Say what... Also: Jackie (SIF) definitely deserved a lot more votes! We might have to start a hashtag or something.
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💎Question 3: Which non-LI character you’d romance in a heartbeat?

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Here are the top 15 most desired LIs in this community:
To absolutely no one's surprise, Geralt (HS) takes the top spot with 39.1% of the readers eager to unbuckle his sexy neck belts at the first occasion. Dreamy Xander from MB takes a very respectable second place with 23.2%: we will forever long for his full lips and crisp linen suit. Another MB favourite, Prince Ethan Wood completes the podium with his Matrix-style coat and intense eyes, but sassy and sexy demon Austie (HS) is not very far behind in fourth place.
Vampires Dustin Chase in fifth place and - although at quite a distance - Sophia in sixth join the ranks of the many LIs who sadly never were in MB. Cute lifeguard Zoey from WP ranks seventh, and no worries if you don't remember who she is: her screen time was about 5 minutes total - but enough to end up in a tie with angelic mentor Misselina from HS. Frenemy Candy from SOS makes eighth place, while evil stunner Monica from MB clutches ninth. To complete the top 10 is no one else but grumpy Angel Fencio (HS) - we obviously all want him to show us his collection of talismans - tied with Bean from MHS, who sadly had the audacity to get married to someone else.
In 11th place is SOS great friend Bobby, whose bravery in the face of untold horrors gave him a special place in all our hearts, in a tie with another WP lifeguard, Ryan (yeah, we have little recollection of him as well). Party-loving and OSHA nemesis Anthony Wood (MHS) is in 12th place, while scheming yet gorgeous Julia (Q30) takes 13th.
In 14th place is no one else but our dear Sailor Bobby - an option that was added as humorous but instead raked up a fairly respectable 14% of votes. As they say, if you are not handsome you should be handy, and no one is a better dress maker than Bobby! Plus, how can we forget when he disguised himself as a tribesman to save Adelaide from becoming soup? He ends up in a tie with a fan favourite, sweet angel Sammy (HS). Completing the top-15 is another HS angel, the ethereal Leeloo.
This question also had an "other" box, where people could add names that were not included in the list. For all those (quite a few!) people who wrote Dino (HS), Sam (CY) and Orlando (SBR)... we choose to believe you misread the question, but if you didn't... oh boy, have we got good news for you!
A few people also wished for Rachel (CY) and Hiro (SBR) to be LIs, so that's another happy ending there as per the latest release.
Some also wished for Diego, Baron Samedi and Jackie from SIF, and Joseph, Christian and Gustavo from SBR to be LIs, and we are happy to say that, although their routes might be a bit hidden and not all of them can be endgame LIs, you can most definitely already hookup with/romance all of them. Check the wiki for details!
A few people asked for the coffee shop owner in CY... we have the feeling that we know who at least one of them is, and truth be told, that beard is dreamy so we can see their point! More bearded LIs please!
Those who asked for Fyr... far from us to kink shame here, but let's just hope he turns out to be human at some point! We also have some Seraph Crowley (HS) and Angel Mora (MB) fans amongst us, as clear proof that no one is ever too old for love, plus WP Agent Phillips' manbun has also scored him some eager fans.
But that one person who asked for Sean from MB... we hope for your sake you are also about 12 years old because otherwise you need an old priest, a young priest and also a police officer.
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💎Question 4: Which LI do you think is overrated, and why?

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Here are the top 10 most overrated LIs in the game according to our community.
You know how they say never rest on your laurels? In a surprising (or maybe not?) twist of fate, some of the most liked LIs also topped the most overrated rankings, which goes to show that the beauty of our community is that we all have different (and sometimes opposite) opinions! So please let's not fight in the comments, haha.
The most overrated LI crown goes to Lucifer with the 21.9% of the votes, (which is almost as him winning an Oscar and a Razzie on the same evening) mostly due to his behaviour, which many identify as "toxic", "abusive" and "triggering". Many readers are "not comfortable with his choking/manhandling of MC", and his "lack of respect for personal space". "Being treated poorly in the hope to finally reach a hidden soft side does not seem worth it". Some think "he needs therapy", and wonder "why he's still behaving like a teen while he's possibly thousands of years old". A reason why many dislike him however, is also "the daily flood of fanart that features him": we might all be a little Lucifered-out here on the subreddit!
Tied in second place (pun fully intended!) are Alexander (CY) and Victor (MB) at 11.5%: the reasons given for both of them are surprisingly similar. Both boys are into BDSM but neither seem to "truly know the rules of consent" and people think that they "overstep boundaries a little too often". Both have been described as "creepy", "controlling" and "plain weird". Victor is also guilty of being "boring" ("I asked for a tea not for your life story in India!" - someone wrote). Both have been invited to "drop the Christian Grey act" and some people think "they would be arrested in real life if they acted this way". Oh boy.
Justin (SBR) completes this unflattering podium at 9.1% because of his "obnoxious outbursts" and the way he treats MC. He is "rude" and "mean" and people seem to be willing to "pay diamonds to put him in his place". Hopefully that won't be necessary!
Jake from WP is fourth at 7.8%, the main reason being that he is "too difficult to romance", "too expensive and still rude", and that "we have to solve the Da Vinci code to get him" - as someone hilariously wrote.
Bad boy Brandon (SBR) scores 6.1% of the votes landing fifth place, with the word "jerk" being the most recurrently used to describe him. He is "arrogant", a "vanishing act", and "he is never nice to MC for long". Come on, Brandon! You can do better!
Unclaimed Andy (HS) takes sixth place with 4.5% for being "jealous" and "annoying" - although we would maybe argue that he's not really that overrated, as far as we can see from the sub...
In seventh place is Max (MB) at 4.1% but we are confused by the person who mentioned "his abs being too perfect" as a reason for disliking him. Of course, there is such a thing as too much of a good thing, so... fair enough? Other words used are "too boring", otherwise many people voted for him but did not really give a reason why. Max needs to work on his PR clearly!
Another tie in eight place sees Adam (Q30) and Dino (HS) score 3.7% of the votes. The Royal bodyguard is described as "a barbarian" and his behaviour as "possessive" and "controlling", while the main complaints against Dino seem for the vast majority to be directed to his looks: comments range from "his eyes look disproportionally big compared to his head" to "his hair seems separated from his face" to some people calling him a "Fabio lookalike". Beauty is in the eye of the beholder indeed!
Gruff Captain Jeff (MHS) makes ninth with 3.3%, mostly because of "the dodgy power dynamic between him and MC" and his "bullying": "I like puppies is not a free get out of jail card!" someone wrote. The fact that SOS Luke "drugged MC" bags him unanimously the tenth spot with 2.8% of the votes.
Not in the top ten but voted often enough to deserve a special mention are John (SOS) because of his "murderous tendencies", Derek (SOS) because "people only likes him for his glow-up", and Leonard (Q30) as "he took Emma's spot as the third main LI in the story" and "that was a cop out!" Plus "he seems so good only because the other two are the worst", someone quipped.
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💎Question 5: Which LI do you think is underrated, and why?

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Let's all cheer ourselves up with the opposite end of the spectrum! Here are the top 10 Lis that the community think deserve more love! The answers in this question were a lot more fragmented, with a lot of random characters getting very few votes, so the ranking percentages are significantly lower than in other questions.
A few people chose to write "every female LI" as this question's answer, and this is reflected in the rankings below, where way more female characters are mentioned compared to other questions. So RC, we need more screen time for badass, gorgeous, interesting female LIs!
HS still carries its weight as the most popular story, with three of its main LIs topping the rankings, all lamenting the fact that they are "unfairly overshadowed by bad boy Lucifer". Andy tops the list with 8.5% of the votes: players think he is "a really good guy", "sweet", "cute", "caring", "thoughtful". They admit "he has flaws" but he "will help if you need him" and "will stand up for those he cares about". It's nice to see him getting some love!
Devil cutie Mimi ends up as a close second with only a few votes of difference, at 8.1%. She is "cute", "badass", and "so cool". Many people wrote they don't usually romance female Lis but they chose her nonetheless because she is "a great LI in every way". Someone wishes RC would "flesh her out a little more" and "give her more screen time". Third spot is for Dino: a "sweetheart" and "the cutest man in the game".
Jake from WP nabs fourth place with the 4.9% of votes. Players thinks the focus is too much on how hard he is to pursue, while "he is totally worth it", because after the initial coldness he becomes "sweet", "kind" and "caring". His "love for his family is another big plus", and he is always "supportive", "mature", "loyal" and "intense". Someone also wrote that "his sex scenes are amazing".
Gorgeous dancer Carlos from SBR is in fifth place: he is described as "cute", "great personality", "respectful" and "the sweetest". One to watch for sure! Prince Leonard (Q30) ties with Claire (SBR) in sixth place. Leonard is "complicated", "interesting" and "clever", while Claire is "sweet", "mature" and "loyal". Seventh position is for Michael (SOS) - "cute", "affectionate", "funny" - and Kayla (WP) who's "really nice" and "one of the first female LIs that didn't seem like a complete afterthought".
Eight place goes to Sam (CY) - "wholesome", "the right amount of naughty and nice", "a sweet and likeable guy" - in a tie with Chris (SIF) - "funny", "strong", "loyal", "always has your back". Ninth place is another tie between Sebastian (SIF) - "sweet" and "supportive" - and Alex (MHS) - "amazing personality", "really helpful".
Last but not least the tenth place is a foursome: William (SIF) gets some love for being "good", "solid", "loyal" and "fun", in a tie with Charles (SBR) - described as "perfect", "romantic" and "caring", as well as "hot", "sexy" and "gentle" - Jackie (SIF) - "an under-appreciated king", "handsome" and "fun", and Frances (MB) - a "real badass" and "one of the best LIs in MB".
So, time to replay your favourite book and try out one of these Lis instead than your usual one!
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💎Question 6: If you could eat or drink one thing from the RC universe, what would you choose?

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Max (MB) might no longer hold the crown of most loved LI in the game, but his cooking skills still hold strong. A whopping 37.2% of the people in this community would eat anything he prepares. Getting drunk on Glyft at the HS Academy takes second spot with 23.1% of the preferences, while a sugar rush after a light BDSM session in CY is all what the 13.2% of us want, completing this delicious podium.
In fourth place is pizza with a bunch of MHS friends, fifth is potential death - as long as ice cream and Jake from WP are involved - and sixth is Anthony Wood's juice at one of his epic MHS parties.
Dinner at the SOS circus is seventh, chosen by a fearless 3% of the community, while canapés at a jewellery fashion show in Q30 score the eighth and last place.
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💎Question 7: If you could spend a weekend in any RC story, would you:

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An entire weekend in the RC universe! What mischief is our community planning to get up to?
It looks like HS is once again top of the list, with over 38% of players willing to test their wings and get some strange and possibly corrosive blue liquid down their unclaimed throats. But LOW's gorgeous backgrounds and atmospheric setting have convinced the 16% of us to go explore a Japanese village, and possibly meet some mysterious cutie. Adelaide and her SIF crew navigate steadily in third place: 10.7% of us would follow them over the edge of the world and beyond.
In fourth place is a spot of murder mystery fun in CY, as 10.3% of us would happily explore a British family mansion - bloodshed possible but not guaranteed. A diplomatic trip with the Q30 Sagar Royal Court appeals to the 6.1% of us, especially if a romantic sunset is on the bill. The quaint and frankly unsettling SOS woods do not scare the 5.7% of us, but as long as no one picks up a nice bouquet of flowers, we should all be ok. In seventh place is our favourite vampire popstar Benny Bart (MB) performing at the Taste of the Night, while eighth is a dance marathon in SBR, inclusive of a trip to romantic Paris. Tarino's somewhat unusual directorial skills in MHS score ninth place, while hot surfers in WP's Miami end up last.
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💎Question 8: If you could get more episodes of a series that has now ended, which one would you choose?

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It's time to go down memory lane! We loved all the stories that RC has now completed, but which one we miss the most?
Side note: SIF and WP were still ongoing when this survey was first opened hence they are not featured in this list.
Horror story SOS takes a clear lead, with over 47% of our community wishing we could get more adventures with MC and her friends. MB is second, with a healthy 34% of readers wishing to spend more time in the company of vampires and werewolves. Q30 is third, with 13.3% of readers missing its Royal Palace and all the intrigue coming with it, and last but not least is comedy MHS, which is missed by 5.4% of this community.
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And now, some questions about this community's gaming habits:
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💎Question 9: How do you usually approach LI relationships?

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This question had a fairly split response between those who date a few LIs but ultimately choose only one (48.9%) and those who are fiercely monogamous from the start (42.4%). A healthy 8.7% of the readers prefer instead to play the field and date as many LIs as the gameplay will allow. And with so many great characters to choose from, that's hardly a surprise!
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💎Question 10: Would you play a book that has a male MC?

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We all know that at the moment all RC stories are gender-locked with a female MC. But what does the community think? Would we play a book with a male MC? The majority is in favour, with 61.9% of the responders answering with a resounding YES.
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💎Question 11: Do you use the RC wiki on Fandom?

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Our amazing fan-written Romance Club wiki recently celebrated 100 pages!
It sounds like a whopping 78.8% of this community uses the wiki, while about 14.1% did not know it existed (so we hope you are using it now!) and 7.1% are true daredevils who play without any wiki help.
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💎Question 12: What genre of story do you enjoy the most?

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With new stories always coming up, we were curious to know which genres this community enjoys the most.
Despite the game being called Romance Club, the top of the genre ranking goes to Fantasy, with a striking 74.1% of preferences. But no worries: Romance is a steady second with a great 70.8% of the votes. Third place goes to Mystery with 65.7%.
Adventure comes fourth with 55.2%, followed by Horror (42.5%), Historical (35.1%), Science Fiction (29.1%) and finally Comedy (26.4%).
A very small number of people (too little to make percentage) also asked for drama, thriller, detective/crime, heist/spy, high school/teens, superheroes, zombies and time travel. All great ideas!
The community has spoken though: RC, give us elves and gnomes and medieval tales of debauchery and magic!
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💎Question 13: How long have you been playing Romance Club for?

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We were curious to know for how long we all have been playing this game we love. The survey showed a good mix of old and new readers, with a clear tendency towards long-term reading, which makes us so very happy to know we are all just equally addicted.
36% stated that they have been playing for over a year, 23.6% for more than six months, 17.8% for more than three months, 16.1% for more than one month and 6.4% for less than a month. Welcome one and all, we hope you are all going to be here for the long haul!
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💎Question 14: How did you find out about the game Romance Club?

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The main way in which our community has found out about RC is through the app store/google play store (70.9%). Another subreddit is a source for 13.5% of us (we probably have to say thank you to our friends at Lovestruck and Choices!) while a friend recommended the game to 8.7% of us.
Instagram (3%) and Facebook (1.5%) are also popular sources, but 2.4% of us arrived to the game through adverts, which is to us the most interesting data since in the mod team we haven't personally seen any adverts for this game - ever - so if anyone has screenshots, please post them in the comments, we are super curious!
Some users (too few to make percentage) also mentioned videos and memes on TikTok or Youtube, Google Search, Tumblr, Twitter, Vkontakte or even their own sister(s) as a source.
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💎Question 15: Which operating system do you play the game on?

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The majority of this community plays on Android (57.7%) while 42.3% play on iOS.
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💎Question 16: Which other story games do you play?

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Here are the top-10 story app games we play in this community, aside from RC.
Unsurprisingly, market leader Choices comes first with 53.3% of the votes. Another giant in the field, Episodes, comes second - although with quite a substantially smaller percentage of votes, clocking at 28.1%. The top-three is completed by UK TV show-inspired Love Island with the 24.6%.
Chapters is the fourth most played game at 24.2%, followed by Lovestruck and Love Sick - tied at 16.1%. Moments is sixth at 13.1%, new entry on the market Stories: Love and choices follows in seventh with 5.3%, Journeys is eighth with 4.7% and The Arcana is ninth with 2.6%. The top-ten is completed by Tabou Stories: Love Episodes in a tie with Originals - both at 1.2%.
Some also reminisced about Storyscapes (gone too soon but not forgotten!) and many other game apps were mentioned but by too few people to make up for an accountable percentage. We surely discovered some games we had never heard of before, though, including: Fictif, Heart's Choice, Everlasting Summer, Fancy Love, Romance: Stories and choices, Secrets: Game of choices, Fictions: Choose your emotions, Mystic Messenger, City of Love and many, many more... so thanks everyone for all these new suggestions!
And to that one person who selected half a dozen games and then commented with "it is a problem!" ... trust us, you are in very, very good company here!!
----
And lastly, some demographics:
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💎Question 17: Where in the world are you from?

https://preview.redd.it/wi54oynj7y951.png?width=742&format=png&auto=webp&s=67fd4ef85a56518876e64f5f1e35d704dc5d241a
We are a very international bunch, that's for sure! Here are the numbers:
45.5% of this community lives in Europe, 24.3% in North America, 16.9% is in Asia, 5.7% is in Central/South America, 5.3% is in Africa and 2.3% is in Australia/New Zealand. Welcome one and all! We are so happy you are here.
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💎Question 18: How old are you?

https://preview.redd.it/hgiuu3dq7y951.png?width=785&format=png&auto=webp&s=106185756ec1cfd67c4c1bb94a8bda1ce6f5a6d3
How old are we? The survey has spoken: 44.7% is between the ages of 18 and 24; 28.1% is between 25 and 35; 21.1% is 17 or younger; 6.1 % is 36 or older.
We must admit that we did not expect so many people to be on the younger end of the spectrum! But we hope everyone - of all ages - will always find this subreddit to be a safe, welcoming and friendly place where to discuss this game we all love. We mods work hard every day to keep this the most relaxed and fun RC space on the net and we feel so lucky that you are all as awesome as you are!
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💎Question 19: What is your gender identity?

https://preview.redd.it/kkr5bm1x7y951.png?width=810&format=png&auto=webp&s=90068fd1b9c2762f5b181b56af647848529c14e2
The overwhelming majority of this community (93.5%) identifies as female, while 4.6% identifies as male, 1.3% is non-binary, 0,4% identifies as genderqueer and 0.2% marked themselves as confused.
The fact that MC is gender-locked female and that LGBTQ routes are limited in the game is certainly one of the reasons why our community is not more diverse. Hopefully RC will expand their stories to include more diverse gender choices in terms of MCs and LIs, so to allow more people to enjoy their great storytelling skills.
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💎Question 20: What is your sexual orientation?

https://preview.redd.it/iskgfuk38y951.png?width=749&format=png&auto=webp&s=0d0cd01d9bedfb1f577206939bc22b959bc6921e
Here's the sexual orientation of our community:
70.1% identifies as Straight/Heterosexual
22.5% identifies as Bisexual
1.9% identifies as Lesbian/WLW
1.7% identifies as Pansexual
1.5% identifies as Gay/MLM
0.4% identifies as Aromantic
0.3% identifies as Aromantic/Bisexual
0.3% identifies as Asexual
0.3% identifies as Demisexual
0.2% identifies as Asexual/Biromantic
0.2% identifies as Asexual/Heterosexual
Once again, we hope that future plots featuring more diverse MC/LIs will attract more diverse players to our community.
----
That's all folks! We hope you found these results interesting and we look forward to a new survey once we hit 5000 users! Until then... happy gaming and thanks for making this awesome community as great as it is! :)
💎 RomanceClub mods 💎
💎u/LauraVi 💎u/swankytutu 💎u/directormmn
💎💎💎💎💎💎💎💎💎💎💎💎💎💎💎💎
submitted by LauraVi to RomanceClub [link] [comments]

Subreddit Survey Results

Greetings, exchristian!
The subreddit survey closed on 10 June. Since then, I have been combing through the results, and pulling everything together to publish here. 805 of you responded, which is a small proportion of our 66k members, but probably a good portion of the subscribers who are actually active on the subreddit, and not bad for a first try. I appreciate every one of you who took the time to fill out the survey, who contributed questions, and who provided feedback in the comments of the original post. All advice has been taken on board, and if I do this again in the future, I will change the survey accordingly. But you're here for the stats, so let's get into them!

Part 1: Demographics

Q1: What age group are you in?

Age Number of Responses Percentage
10 or under 0 0%
11-15 40 5%
16-19 136 16.9%
20-24 206 25.7%
25-29 182 22.7%
30-34 121 15.1%
35-39 56 7%
40-44 21 2.6%
45-50 13 1.6%
50+ 28 3.5%
exchristian mostly aligns with Reddit's user base in the age question, with most respondents in the 16-35 range. There are some under 16, which may just be normal for Reddit, but could also be people seeking support with living as a non-Christian in a Christian home in an already difficult part of their lives. Overall, though, this question throws up no surprises.

Q2: What Denomination(s) were you part of?

Denomination Number of Responses Percentage
Non-Denominational 250 31.2%
Baptist 231 28.8%
Catholic 119 14.9%
Other Evangelical 98 12.2%
Pentecostal 97 12.1%
Calvinist/Presbyterian/ Reformed 82 10.2%
Lutheran 47 5.9%
Methodist 39 4.9%
Anglican/Episcopalian 34 4.2%
Church of Christ 31 3.9%
Orthodox 20 2.5%
Seventh-Day Adventist 14 1.9%
Mormon 10 1.2%
Anabaptist (Amish/Mennonite) 8 1%
Plymouth Brethren 7 0.8%
Jehovah's Witnesses 2 0.2%
Other 61 6.1%
A lot of denominations came up here, and I mean a lot. The largest groups are Baptist and non-denominational, which probably reflects the US-centric nature of the subreddit, which we will see in the next question. The sub also leans ex-Protestant, with only 14.9% ex-Catholics and 2.5% ex-Orthodox. The quantity and variety of the self-filled answers made it easier to just group them under 'Other'. A substantial portion of those answers came from offshoots of Methodism, notably the Nazarene (6 responses) and Wesleyan (4) groups. Others included IFB (4), and Assemblies of God (4 - one of a number of Pentecostal-ish groups represented in those answers).
A few peripheral thoughts on this question: I was surprised by the lack of JWs in the sub, but they probably gravitate towards exJW rather than the umbrella sub here, with the same theme applying to the slightly larger Mormon group. I am also intrigued by our Amish/Mennonite contingent. If any of you would be willing to share your experiences with those groups, I'd be very interested to hear.

Q3: Where do you live?

Location Number of Responses Percentage
United States South 220 27.5%
United States Midwest 169 21.1%
United States West 132 16.4%
United States Northeast 93 11.6%
Canada 56 7%
United Kingdom 28 3.5%
Australia 20 2.5%
New Zealand 6 0.7%
Singapore 6 0.7%
The Netherlands 6 0.7%
Germany 5 0.6%
South Africa 5 0.6%
Brazil 3 0.4%
Ireland 3 0.4%
Malaysia 3 0.4%
Romania 3 0.4%
The Philippines 3 0.4%
Czech Republic/Czechia 2 0.3%
Dominican Republic 2 0.3%
France 2 0.3%
Italy 2 0.3%
Mexico 2 0.3%
Norway 2 0.3%
Poland 2 0.3%
In addition to these, there was 1 answer each for: Alaska, 'American living abroad', Austria, China, Denmark, Dominica, Ecuador, Finland, Georgia, Ghana, Greece, Hong Kong, India, 'Jamaica/UAE', Japan, Latvia, Nagaland, Namibia, Nigeria, North Macedonia, Portugal, The Caribbean, The Nordics, 'USA and Philippines', and Zambia.
The overall picture here is that this sub is overwhelmingly American. 77% of you live in some part of the United States, with another 7% from Canada adding to the North American group. Unsurprisingly, most are from English-speaking countries, although there are more from continental Europe than I expected. By location, we are spread far and wide, but it will surprise nobody who has spent any time on this subreddit that a vast majority of users are American.

Q4: What is your ethnicity?

Ethnicity Number of Responses Percentage
White/Caucasian 643 80.3%
Asian 55 6.9%
Black/African-American 40 5%
Latino/Hispanic 33 4.1%
Mixed Race 20 2.5%
Indigenous North American 5 0.6%
Pacific Islander 2 0.3%
Indigenous Australian 1 0.1%
North African 1 0.1%
I received some criticism for this question, which was fair. It was poorly thought out and poorly worded. If nothing else, I should have made Mixed Race an option to be picked and not left that to the 'Other' field - a very embarrassing oversight. But the results do tell us something. The main thing they tell us is that our subreddit is overwhelmingly white, which also correlates with earlier answers which show American ex-Evangelicals as by far the largest group. I don't know exactly why ethnic minorities are so poorly represented here - my best guess is that it is a reflection of Reddit demographics generally. If others have insights on this, I'd be interested to hear them.

Q5: What gender do you identify as?

Gender Number of Responses Percentage
Male 404 50.3%
Female 341 42.5%
Non-Binary 41 5.1%
Prefer not to say 12 1.5%
Genderfluid 2 0.2%
Agender 1 0.1%
Transmale 1 0.1%
These were interesting answers. A quick google search tells me that Reddit overall is over 70% male. But in exchristian, while a small majority of users are men, over 40% are women. As a man, I may be pontificating about something I don't understand, but I wonder if this is connected to the sexism inherent in much of Christianity and Christian teaching. Women may be more likely to leave Christianity than men, because they are more likely to feel unwelcome in a sexist environment. The 5%+ operating outside of the traditional genders may be feeling a similar thing. Trans, Non-Binary, and Genderfluid people probably struggle to find a place in Christianity and Christian doctrine unless they suppress their authentic self. Again, I may be talking out of my arse here, and those with actual experience of this can hopefully provide more insights in the comments.

Q6: What best describes your sexual orientation?

Sexuality Number of Responses Percentage
Heterosexual 469 58.7%
Bisexual 185 23.1%
Homosexual 67 8.4%
Asexual 44 5.5%
Pansexual 15 1.9%
Demisexual 3 0.4%
Queer 3 0.4%
Other 13 1.6%
Of the 'Other' group, most expressed some measure of confusion, with 2 particularly mentioning purity culture as a factor in that. Single answers included Gynesexual, Panromantic, and Sapphic Asexual.
I think we are seeing a similar phenomenon here as with the last question. The larger than average LGBTQ+ representation might be a demographic feature, but it could also be because a lot of Christian doctrine is extremely homophobic, and LGBTQ+ people probably feel unwelcome in Christianity, and have more reason than heterosexuals to doubt aspects of Christian teaching. Again, though, I would welcome further insights from LGBTQ+ people on this issue.

Q7: Which of these options best describes your political opinions?

Political Position Number of Responses Percentage
Left/Liberal 544 68.4%
Centrist/Moderate 225 28.3%
Right/Conservative 26 3.3%
The framing of that question was slightly over-simplified, but it's not a surprise to see that very few people here see themselves as right-wing or conservative politically, both given Reddit's demographics, and given the closeness of large sections of Christianity (especially in the US) with right-wing and socially conservative politics.

Part 2: Education

Q8: What is your current level of education?

Education Level Number of Responses Percentage
College/University Graduate 395 49.2%
Currently at College/University 180 22.4%
Currently in School 110 13.7%
High School Graduate 94 11.7%
PhD/Professorship 20 2.5%
No Formal Qualifications 4 0.5%
A majority of us are either in College/University, or are Graduates. That, again, may just reflect Reddit's demographics, but it is no coincidence that the more someone learns, the less likely they are to remain religious. I have certainly found that in my own experience.

Q9: What type of school were you educated in?

School Number of Responses Percentage
Public/State School 605 75.3%
Religious School 286 35.6%
I was Home-Schooled 122 15.2%
Secular Private School 61 7.6%


Q10: If you went to a religious school, do you believe it contributed towards your deconversion?

Answer Number of Responses Percentage
Yes 197 38.2%
No 190 38.6%
Not Sure 129 25%

Q11: If you went to a secular school, do you believe it contributed towards your deconversion?

Answer Number of Responses Percentage
Yes 247 37%
No 290 43.5%
Not Sure 130 19.5%
The answers to Q10 could be unreliable, as more people answered it than answered 'Religious School' to Q9. But it does show that a reasonable percentage of both people who went to religious schools and to secular schools felt that that contributed towards their deconversions. Those will probably be for different reasons, and I think school experiences would be an interesting thing to dig further in to, either in the comments here or in a separate post.

Part 3: Beliefs and Deconversion Experience

Q12: At what age did you stop being a christian?

Age Number of Responses Percentage
10 or under 15 1.9%
11-15 139 17.3%
16-19 211 26.3%
20-24 224 27.9%
25-29 122 15.2%
30-34 54 6.7%
35-39 15 1.9%
40-44 6 0.7%
45-49 10 1.2%
50+ 6 0.7%
Most of us lost our belief between the ages of 16 and 25, and I don't think that's a coincidence. It's the time when you're beginning to strike out on your own in the world, forge your own path, and cast off your parents' preconceptions. It's also the time when you start to think more critically about things, and for many of us thinking critically about Christianity was what drove us to leave it.

Q13: How would you describe your current belief system?

Belief Number of Responses Percentage
Atheist 317 39.7%
Agnostic 238 29.9%
Anti-theist 47 5.9%
Humanist 45 5.6%
Apatheist 26 3.3%
Pagan/Wiccan 17 2.1%
Deist 15 1.9%
Pantheist 13 1.6%
Buddhist 11 1.4%
Unsure 10 1.2%
Agnostic Atheist 6 0.7%
Ignostic 5 0.6%
Satanist 5 0.6%
Spiritual 5 0.6%
Misotheist 3 0.4%
Universalist 2 0.3%
Other 32 4%
Most of the 'Other' answers represented mixed philosophies - a few people have pointed out to me that I should have made this question multiple choice. Single answers included Hindu, Ietsist, Irreligious, Jewish, Left Hand Path, Longhouse Religion, Muslim, Nihilist, Occultist, Panendeist, and Panentheist.
It won't surprise any of us to see that this subreddit is mostly Atheist/Agnostic. However, there are some more spiritually-minded people here, and although they are not a large group they are a noticeable segment.

Q14: If you do not consider yourself an Atheist/Agnostic/etc, how free do you feel to discuss your spiritual views in exchristian?

Answer Number of Responses Percentage
1 (Not at all Free) 5 1.4%
2 23 6.4%
3 87 24.2%
4 69 19.2%
5 (Completely Free) 176 48.9%
This seems to have faced a similar problem to Q10, in that many people answered it who should not have. They represent all but one of the '1' answers, and fairly even portions of the others. The answers of spiritually-minded people seem to come out at around the same proportionally as the overall responses. Reassuringly, that means that most do feel free to share their views here, although it also means that there is a minority who do not. While I cannot speak for that minority, one of the answers to the previous question provided a small paragraph on it (side note: try not to do this in surveys, folks. Short and to the point is best). That person said "I don't like to talk about this openly on the sub because I feel like people will see me as spacey and illogical, but that might be because I watch too many hardcore Youtube skeptics".
I think that answer makes sense as a reason some people don't feel entirely free to share their views here. This sub clearly has an atheist majority, and the stereotype of atheists is that we are hostile to any and all spiritual beliefs. It's not a problem with the subreddit, which I've always found to be extremely friendly and open, but one of perception and self-consciousness. But as always, if you feel like I'm grasping at the wrong end of the stick here, feel free to say so - in PMs if you don't want to do it publicly.
Following on from all of that, I'd genuinely be interested to hear more about the beliefs of our more spiritual members - the more niche the better. I'm not that way inclined myself, but the previous question has sparked an academic curiosity.

Q15: Are you 'out of the closet' as an ex-christian?

Answer Number of Responses Percentage
Yes, to everyone I know 79 9.9%
Yes, to most people I know 203 25.3%
Yes, to some people I know 387 48.3%
No 133 16.6%
Very few of us have told everyone in our lives that we're no longer christian, but most of us have told at least some people. I imagine that that mostly manifests as people keeping it a secret from family or church friends, or a christian workplace, but being open about it among non-church friends or in a secular workplace.

Q16: If you are 'out of the closet', do your christian family and/or friends accept your decision?

Answer Number of Responses Percentage
Yes 113 18.9%
No 152 25.4%
Some 333 55.7%
Less than 20% of people's christian circles fully accept them leaving christianity. Christians hate apostates, what a surprise! That a majority have had at least some acceptance is good to see, though, and I am glad for those of you who have experienced that.

Q17: If you are not 'out of the closet', do you plan to come out in the near future?

Answer Number of Responses Percentage
Yes 86 16.3%
No 163 30.9%
Not Sure 279 52.8%
Most closet-dwellers are unsure if they'll come out or not, with a fairly large minority having decided to keep it a secret, at least for now. A majority for the undecideds is not a surprise. It's a very difficult decision, and you have to weigh up your freedom with the damage you might do to your personal relationships. Not an easy choice.

Q18: Are there any non-christians or ex-christians in your immediate or extended family?

Answer Number of Responses Percentage
Yes 425 53.3%
No 373 46.7%

Q19: Outside of your family, do you know any ex-christians in your real life?

Answer Number of Responses Percentage
Yes 505 63.1%
No 295 36.9%

Q20: Do you live in a place where you feel socially at risk if you admit you are no longer a christian?

Answer Number of Responses Percentage
Yes 158 19.8%
No 258 32.3%
Sometimes (i.e. among family but not among colleagues) 384 48%

Q21: If you do feel socially at risk, how important has exchristian been in giving you a safe space to speak freely?

Answer Number of Responses Percentage
1 (Not at all important) 22 3.7%
2 34 5.7%
3 137 23%
4 202 33.9%
5 (Very Important) 200 33.6%
This group of questions shows quite a stark difference. While a majority of us do have other non-christians or ex-christians in our lives, a substantial minority seem to be surrounded by christians, most of them probably in the American south where, from what I read on this subreddit, Christianity is everywhere. That makes exchristian very important as a support subreddit, which I've seen others say here and have felt myself. This community is a very important resource for many people.

Q22: When you were a christian, did you participate in church community activities (i.e. youth groups)?

Answer Number of Responses Percentage
Yes 716 89.3%
No 86 10.7%

Q23: Do you miss christianity's sense of community?

Answer Number of Responses Percentage
Yes 257 32.1%
No 420 52.4%
Not Sure 124 15.5%

Q24: Do you feel isolated since deconverting?

Answer Number of Responses Percentage
Frequently 109 13.7%
Sometimes 287 36.1%
I have in the past 200 25.1%
Never 200 25.1%

Q25: If you have felt isolated, has exchristian helped to reduce that isolation?

Answer Number of Responses Percentage
Yes 450 70.1%
No 51 7.9%
Not Sure 141 22%

Q26: Outside of exchristian, have you found anything in a secular space to replace the church community?

Answer Number of Responses Percentage
Yes 353 45.1%
No 429 54.9%

Q27: On the whole, how important has the exchristian community been in helping you through your deconversion?

Answer Number of Responses Percentage
1 (Not at all Important) 104 13.8%
2 96 12.8%
3 189 25.2%
4 189 25.2%
5 (Very Important) 173 23%
This is another group of questions which really show how important this community is. Most of us were quite involved in our churches, and although most say they do not miss christianity, a majority have felt isolated at some point, and a large majority of those say exchristian was important to reducing that isolation. The answers to question 27 reflect that again. I think it's really important that this sub exists to help alleviate some of these problems.

Q28: Do you experience rapture and/or tribulation anxiety?

Answer Number of Responses Percentage
Frequently 59 7.4%
Sometimes 147 18.4%
I have in the past 270 33.8%
Never 322 40.4%
A majority of us have, at some point, experienced rapture or tribulation anxiety. That's hardly surprising, given how strong the 'left behind' motif is in christian preaching and culture. More encouragingly, a majority of those who have experienced this say that they do not experience it now. As someone who has suffered from this in the past, I can reassure you that it does get better. The more distance you put between yourself and your christian past, the easier it becomes to move past that anxiety.

Q29: Have you been diagnosed with a mental illness or illnesses?

Answer Number of Responses Percentage
Yes 348 43.6%
No 451 56.4%

Q30: Do you believe that christianity has had a negative impact on your mental health?

Answer Number of Responses Percentage
Yes 667 83.3%
No 58 7.2%
Not Sure 76 9.5%
While a majority of us have not received an official mental health diagnosis, a substantial minority have, a testament to how much of a toll christianity and the process of tearing yourself away from it takes on your mental health. An overwhelming majority also think that it has had a negative impact on their mental health, which will surprise nobody who has spent any time reading the posts on this sub.

Q31: On the whole, has your loss of belief made your life easier or more difficult, or has it had no impact?

Answer Number of Responses Percentage
Easier 481 60%
More Difficult 105 13.1%
No Impact 54 6.7%
Not Sure 161 20.1%
I have realised since writing the survey that this question was too simplistic and doesn't reflect the variety of people's experiences. Nevertheless, a clear majority do consider their deconversion to have made their life easier, and in the light of the mental health questions that is hardly surprising.

Conclusion/TL;DR
So, what has this survey told us? In demographics, a clear majority in this subreddit are white American protestants, with most between the ages of 16 and 35. In both gender and sexuality, it is more diverse than reddit overall, and most are well-educated. A clear majority are either atheist or agnostic, but there is a diverse (if small) group holding alternative beliefs. With most of us only halfway 'out' as ex-christians and with a clear majority identifying christianity as causing mental health troubles, the survey also shows the importance of exchristian as a place on the internet where people in our situation can come together and share experiences. I'm grateful to all of you for being here and for making this sub the place that it is.
And that's a wrap. Well done for making it this far, I guess, and thanks to all of you who responded to the survey. Pulling the data together for this post has been intense, but fun in its own way, and I have enjoyed finding out a bit more about who we are as a community. As I've said throughout, comments, questions, and criticism are all welcome if you have any to share, and I'm very interested to see what the community thinks of the data.
submitted by acuriousoddity to exchristian [link] [comments]

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