Marijuana and Bitcoin: A Match Made in Cryptocurrency ...

Bitcoin mentioned around Reddit: Canada's next big money may be legalizing pot /r/canada

Bitcoin mentioned around Reddit: Canada's next big money may be legalizing pot /canada submitted by BitcoinAllBot to BitcoinAll [link] [comments]

Bodog Canada Casino 100 free spins + 100% up to $600 bonus

Bodog Canada Casino 100 free spins + 100% up to $600 bonus

https://preview.redd.it/clshocfyf4k51.png?width=1717&format=png&auto=webp&s=65f18d3a8c7afb4328585bc3f3b3051b018cca34
At Bodog Canada, every new casino player receives 100 free spins on Microgaming slots! Plus, new depositors get a 100% welcome bonus up to a hefty $600! For example, deposit $600 and play with $1200 free chips!
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Game Software and selection

The online casino side of Bodog is supported by two separate software providers. While Real Time Gaming might not have the newest or shiniest games out there, it provides sufficient variation when it comes to all your favorite classics. Thanks to the use of RTG you get a wide choice of blackjack, baccarat, roulette, and video poker to keep you entertained. There are no live dealer games available at Bodog casino yet but there is a wide choice of everything else!
However, the real stars at Bodog are the Betsoft games. They are perfectly rendered movie-like creations, but besides feasting your eyes on them, you can also win money from them. It is a pretty sweet deal! In addition, Bodog offers a bunch of player guides to lead you through the process of picking a game, learning how to play it, and even following the etiquette of online casinos! And if that is not enough, every game has its own 'How to play' section and a detailed description, so you can go in prepared! Some of the slots that you have to try out are Cleopatra's Gold, Caesar's Empire and Madder Scientist, to name but a few.
It is important to note that Bodog does not cater to professional players, as can be seen in the amount of support and information they provide to their players, and the fact that the highest bets that one can make at one go do not go over C$500. This is a casino that caters specifically to recreational players, even giving them the facility to remain anonymous at the poker tables.
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Bodog Poker Review

Online poker betting is a big feature of online gaming and Bodog offers a medium-sized poker room for fans of the game. While you can only play up to 15 tables simultaneously, that fits in with the ethos of the casino and its dedication to recreational players. When it comes to poker, Bodog also offers anonymous tables where no one know the others' online handle and everyone is given a number. In this way, the odds are evened out. This might not seem appealing to pro players but recreational players will find it a refreshing breath of air compared to other poker rooms. There is also a number of poker tournaments organized by Bodog poker room over the span of each year, which are a good place for more experienced players.
The thing about playing poker on Bodog is that if you do it from your computer, you have to download the Bodog app. That does have its advantages, as having the Bodog app allows you to also access the whole range of Bodog casino games, so once downloaded, you can play both poker, and everything else, straight from your computer. Signing up for Bodog's poker room can also make you eligible for a bonus of up to C$1,000, so it is a good place to start if you are a new player just getting into poker.

Bodog Sports review

Bodog sports betting is one of the best sites to go to if you are into betting on sports and you live in Canada. Football, basketball, hockey are all to be expected in a sportsbook but Bodog also offers political bets, and even wagers on topics connected to Entertainment. For example, you can bet on who will win Big Brother Brazil or who will be the next Game of Thrones character to die in the series! This makes Bodog the right side for betting if you are looking for something less ordinary.

Bodog Mobile review

To play on Bodog from your mobile device, all you have to do is open up your browser and sign up for a Bodog online casino account. Since the latest overhaul of the website there is no software to download for mobile use, which is great news for Apple devices! This also makes the casino lighter and easier to use than many of its competitors. Basically, any mobile device capable of running html5 can be used to place bets on Bodog. So if you have an iPhone or an Android you will be able to access your Bodog account and play online poker or place bets on horse racing. If you prefer your iPad or your Toshiba tablet, you will do just fine with the Bodog mobile site.
What if you don't own the latest iPhone or a Samsung Galaxy, or a Huawei P9? What if you are a Blackberry fan? Fear not, Bodog caters for you, too, with a mobile-optimized page that will open just right on your device screen! So even from your Blackberry, you can still partake in Bodog's mobile poker.
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Banking options:

Bodog does not offer a wide range of accepted banking methods, but it accepts some of the most popular ones, which makes up for the lack of variety. You can always use your Visa or Mastercard for deposits, even if they are anonymous prepaid cards. Another major payment method for Bodog online casino is the instant e-check and still another the Interac e-transfer, which allows you to use your online banking services to deposit.
The top withdrawal method for Bodog is actually via check. Bodog issues up to one fee-free check a month for up to C$3,000. Recently, the casino also introduced Bitcoin and now they even offer a tutorial describing how to create an account and use Bitcoin for betting. This can be a good method if you prefer to remain anonymous.

Security and fair play

To begin with, Bodog is regulated in Antigua, one of the world's top gaming regulators. Your information is heavily encrypted by 128 bit SSL, and you can even play anonymously at the poker tables - a feature that is not present in any other large casinos.
In terms of fairness, Bodog applies the latest randomizing technology which ensures that the games are completely random and unpredictable and you have the same shot at winning as anyone else. In addition, the casino does not make money from your losses but by raking the pot, so it is to everyone's advantage for you to keep winning!
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Promotions and customer support

Welcome bonus

Signing up to Bodog can earn you up to C$1,800 in bonuses if you follow the rules carefully. This is not a casino that will let you take home hundreds of thousands of dollars in winnings but it encourages its players to partake in all its different betting activities. To get the total of C$1,800 you need to bet at the bookmaking side of the website, the poker tables, and the slots, but even if you don't you will still get some bonuses for every part of the website you partake in. For example, signing up for the Bodog online casino can get you up to C$600 if you follow the conditions!

Loyalty program

Bodog has two separate loyalty programs. One is a point system directly linked to the amount of cash you bet on slots, casino games or blackjack. For example, for every C$10 you bet on slots, you get 2 points. And every 100 points give you a dollar in cash that you can then bet again.
The second program is the 94 Club, which is the VIP club for loyal members. It offers you extra rewards, bonuses, promotions and even events to exotic locations for being a member. You can get weekly bonuses and various giveaways as a member of the club.
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Progressive jackpots

As mentioned, this is not a casino for pros, so the highest jackpots currently up for grabs in the slots section do not surpass 10K. Most of the jackpots won recently are below 50K, so this is not a place to go if you like the thrill of fighting for millions. However, as the website's Big Winners section shows, there are big winners in Bodog every day, so the odds of winning are larger than usual.

Customer support

Bodog online casino offers 24/7 customer care support in both email and phone format. The site is in English, Portuguese and Spanish and there are also multiple detailed tutorials that can guide you through standard processes, game rules and even online casino etiquette. So whatever you need, you will definitely find it somewhere through the site or the helpful customer support staff.

Bodog review in 2020: Conclusion

The Bodog website is a big place which offers a number of different types of gambling. It uses two types of game software, which makes its games more interesting and diverse, and it has strong customer support all around the clock. It accepts a sufficient number of payment methods, including Bitcoin, which is gaining popularity rapidly and offers some strong welcome bonuses to start you off.
It is only open to Canadian players, works in Canadian dollars, and it does not accept professional players but that means that if you are a Canadian beginner or a recreational player, this casino is made especially for you. And whether you are into horse betting, sports betting, casino or poker, Bodog will offer you the best service and betting options on the market.
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submitted by freespinsgaming to u/freespinsgaming [link] [comments]

Default English word list

Alright so, I took the default database from there https://skribbliohints.github.io/ and with the help of html, I extracted the words to a list separated by commas. It's useful when you want to translate those words into your native language.
Word of advice, when using google translate, do not put all words at once there, it can rapidly worsen the translation.
(And there is a last thing. Their algorithm of picking only custom words is not working really good, at least for me. Meaning that I often get duplicates, despite having a list this big and without duplicates. I'm still trying to find some solution to this, so if somebody is experiencing this as well, share the knowledge please, I will do the same.)
SOLUTION: Thanks for the reply from PepegaWR who identified the cause. I also tested it and there seems to be a custom words limit of 5000 characters. The easiest way in my opinion is to shuffle the words before each session to minimize the impact. Also thanks to the flynger who had the same idea before me :)
Finally, here it is, enjoy the scribbling ^^ :

ABBA, AC/DC, Abraham Lincoln, Adidas, Africa, Aladdin, America, Amsterdam, Android, Angelina Jolie, Angry Birds, Antarctica, Anubis, Apple, Argentina, Asia, Asterix, Atlantis, Audi, Australia, BMW, BMX, Bambi, Band-Aid, Barack Obama, Bart Simpson, Batman, Beethoven, Bible, Big Ben, Bill Gates, Bitcoin, Black Friday, Bomberman, Brazil, Bruce Lee, Bugs Bunny, Canada, Capricorn, Captain America, Cat Woman, Cerberus, Charlie Chaplin, Chewbacca, China, Chinatown, Christmas, Chrome, Chuck Norris, Colosseum, Cookie Monster, Crash Bandicoot, Creeper, Croatia, Cuba, Cupid, DNA, Daffy Duck, Darwin, Darwin Watterson, Deadpool, Dexter, Discord, Donald Duck, Donald Trump, Dora, Doritos, Dracula, Dumbo, Earth, Easter, Easter Bunny, Egypt, Eiffel tower, Einstein, Elmo, Elon Musk, Elsa, Eminem, England, Europe, Excalibur, Facebook, Family Guy, Fanta, Ferrari, Finn, Finn and Jake, Flash, Florida, France, Frankenstein, Fred Flintstone, Gandalf, Gandhi, Garfield, Germany, God, Goofy, Google, Great Wall, Greece, Green Lantern, Grinch, Gru, Gumball, Happy Meal, Harry Potter, Hawaii, Hello Kitty, Hercules, Hollywood, Home Alone, Homer Simpson, Hula Hoop, Hulk, Ikea, India, Intel, Ireland, Iron Giant, Iron Man, Israel, Italy, Jack-o-lantern, Jackie Chan, James Bond, Japan, JayZ, Jenga, Jesus Christ, Jimmy Neutron, John Cena, Johnny Bravo, KFC, Katy Perry, Kermit, Kim Jong-un, King Kong, Kirby, Kung Fu, Lady Gaga, Las Vegas, Lasagna, Lego, Leonardo DiCaprio, Leonardo da Vinci, Lion King, London, London Eye, Luigi, MTV, Madagascar, Mario, Mark Zuckerberg, Mars, McDonalds, Medusa, Mercedes, Mercury, Mexico, Michael Jackson, Mickey Mouse, Microsoft, Milky Way, Minecraft, Miniclip, Minion, Minotaur, Mona Lisa, Monday, Monster, Mont Blanc, Morgan Freeman, Morse code, Morty, Mount Everest, Mount Rushmore, Mozart, Mr. Bean, Mr. Meeseeks, Mr Bean, Mr Meeseeks, Mummy, NASCAR, Nasa, Nemo, Neptune, Netherlands, New Zealand, Nike, Nintendo Switch, North Korea, Northern Lights, Norway, Notch, Nutella, Obelix, Olaf, Oreo, Pac-Man, Paris, Patrick, Paypal, Peppa Pig, Pepsi, Phineas and Ferb, Photoshop, Picasso, Pikachu, Pink Panther, Pinocchio, Playstation, Pluto, Pokemon, Popeye, Popsicle, Porky Pig, Portugal, Poseidon, Pringles, Pumba, Reddit, Rick, Robbie Rotten, Robin Hood, Romania, Rome, Russia, Samsung, Santa, Saturn, Scooby Doo, Scotland, Segway, Sherlock Holmes, Shrek, Singapore, Skittles, Skrillex, Skype, Slinky, Solar System, Sonic, Spain, Spartacus, Spiderman, SpongeBob, Squidward, Star Wars, Statue of Liberty, Steam, Stegosaurus, Steve Jobs, Stone Age, Sudoku, Suez Canal, Superman, Susan Wojcicki, Sydney Opera House, T-rex, Tails, Tarzan, Teletubby, Terminator, Tetris, The Beatles, Thor, Titanic, Tooth Fairy, Tower Bridge, Tower of Pisa, Tweety, Twitter, UFO, USB, Uranus, Usain Bolt, Vatican, Vault boy, Velociraptor, Venus, Vin Diesel, W-LAN, Wall-e, WhatsApp, William Shakespeare, William Wallace, Winnie the Pooh, Wolverine, Wonder Woman, Xbox, Xerox, Yin and Yang, Yoda, Yoshi, Youtube, Zelda, Zeus, Zorro, Zuma, abstract, abyss, accident, accordion, ace, acid, acne, acorn, action, actor, addiction, addition, adorable, adult, advertisement, afro, afterlife, air conditioner, airbag, aircraft, airplane, airport, alarm, albatross, alcohol, alien, allergy, alley, alligator, almond, alpaca, ambulance, anaconda, anchor, angel, anglerfish, angry, animation, anime, ant, anteater, antelope, antenna, anthill, antivirus, anvil, apartment, apocalypse, applause, apple, apple pie, apple seed, apricot, aquarium, arch, archaeologist, archer, architect, aristocrat, arm, armadillo, armor, armpit, arrow, ash, assassin, assault, asteroid, astronaut, asymmetry, athlete, atom, attic, audience, autograph, avocado, axe, baboon, baby, back pain, backbone, backflip, backpack, bacon, bad, badger, bag, bagel, bagpipes, baguette, bait, bakery, baklava, balance, balcony, bald, ball, ballerina, ballet, balloon, bamboo, banana, bandage, bandana, banjo, bank, banker, bar, barbarian, barbecue, barbed wire, barber, barcode, bark, barn, barrel, bartender, base, basement, basket, basketball, bat, bathroom, bathtub, battery, battle, battleship, bayonet, bazooka, beach, beak, bean, bean bag, beanie, beanstalk, bear, bear trap, beatbox, beaver, bed, bed bug, bed sheet, bedtime, bee, beef, beer, beet, beetle, bell, bell pepper, bellow, belly, belly button, below, belt, bench, betray, bicycle, bill, billiards, bingo, binoculars, biology, birch, bird, bird bath, birthday, biscuit, bite, black, black hole, blackberry, blacksmith, blanket, bleach, blender, blimp, blind, blindfold, blizzard, blood, blowfish, blue, blueberry, blush, boar, board, boat, bobsled, bodyguard, boil, bomb, booger, book, bookmark, bookshelf, boomerang, boots, border, bottle, bottle flip, bounce, bouncer, bow, bowl, bowling, box, boy, bracelet, braces, brain, brainwash, branch, brand, bread, breakfast, breath, brick, bricklayer, bride, bridge, broadcast, broccoli, broken heart, bronze, broom, broomstick, brownie, bruise, brunette, brush, bubble, bubble gum, bucket, building, bulge, bull, bulldozer, bullet, bumper, bungee jumping, bunk bed, bunny, burglar, burp, burrito, bus, bus driver, bus stop, butcher, butler, butt cheeks, butter, butterfly, button, cab driver, cabin, cabinet, cactus, cage, cake, calendar, camel, camera, campfire, camping, can, can opener, canary, candle, canister, cannon, canyon, cap, cape, cappuccino, captain, car wash, cardboard, carnival, carnivore, carpenter, carpet, carrot, cartoon, cash, casino, cast, cat, catalog, catapult, caterpillar, catfish, cathedral, cauldron, cauliflower, cave, caveman, caviar, ceiling, ceiling fan, celebrate, celebrity, cell, cell phone, cello, cement, centaur, centipede, chain, chainsaw, chair, chalk, chameleon, champagne, champion, chandelier, charger, cheek, cheeks, cheerleader, cheese, cheeseburger, cheesecake, cheetah, chef, chemical, cherry, cherry blossom, chess, chest, chest hair, chestnut, chestplate, chew, chicken, chihuahua, child, chime, chimney, chimpanzee, chin, chinchilla, chocolate, chopsticks, church, cicada cigarette, cinema, circle, circus, clap, clarinet, classroom, claw, clay, clean, clickbait, cliff, climb, cloak, clock, cloth, clothes hanger, cloud, clover, clown, clownfish, coach, coal, coast, coast guard, coaster, coat, cobra, cockroach, cocktail, coconut, cocoon, coffee, coffee shop, coffin, coin, cola, cold, collapse, collar, color-blind, comb, comedian, comedy, comet, comfortable, comic book, commander, commercial, communism, community, compass, complete, computer, concert, condiment, cone, confused, console, continent, controller, conversation, cookie, cookie jar, copper, copy, coral, coral reef, cord, cork, corkscrew, corn, corn dog, corner, cornfield, corpse, cotton, cotton candy, country, cousin, cow, cowbell, cowboy, coyote, crab, crack, crate, crawl space, crayon, cream, credit, credit card, cricket, cringe, crocodile, croissant, crossbow, crow, crowbar, crucible, cruise, crust, crystal, cube, cuckoo, cucumber, cup, cupboard, cupcake, curry, curtain, cushion, customer, cut, cute, cyborg, cylinder, cymbal, dagger, daisy, dalmatian, dance, dandelion, dandruff, darts, dashboard, daughter, day, dead, deaf, deep, deer, defense, delivery, demon, demonstration, dent, dentist, deodorant, depressed, derp, desert, desk, desperate, dessert, detective, detonate, dew, diagonal, diagram, diamond, diaper, dice, dictionary, die, diet, dig, dinner, dinosaur, diploma, dirty, disaster, disease, dishrag, dispenser, display, diss track, distance, diva, divorce, dizzy, dock, doctor, dog, doghouse, doll, dollar, dollhouse, dolphin, dome, dominoes, donkey, door, doorknob, dots, double, dough, download, dragon, dragonfly, drain, drama, drawer, dream, dress, drink, drip, drive, driver, drool, droplet, drought, drum, drum kit, duck, duct tape, duel, dwarf, dynamite, eagle, ear, earbuds, earthquake, earwax, east, eat, echo, eclipse, eel, egg, eggplant, elbow, elder, election, electric car, electric guitar, electrician, electricity, elephant, elevator, embers, emerald, emoji, employer, emu, end, engine, engineer, equator, eraser, error, eskimo, espresso, evaporate, evening, evolution, exam, excavator, exercise, explosion, eye, eyebrow, eyelash, eye shadow, fabric, fabulous, facade, face, face paint, factory, failure, fairy, fake teeth, fall, family, farm, farmer, fashion designer, fast, fast food, fast forward, father, faucet, feather, fence, fencing, fern, festival, fidget spinner, field, figurine, filmmaker, filter, finger, fingernail, fingertip, fire alarm, fire hydrant, fire truck, fireball, firecracker, firefighter, firefly, firehouse, fireman, fireplace, fireproof, fireside, firework, fish, fish bowl, fisherman, fist fight, fitness trainer, fizz, flag, flagpole, flamethrower, flamingo, flashlight, flask, flea, flight attendant, flock, floodlight, floppy disk, florist, flower, flu, fluid, flush, flute, fly, fly swatter, flying pig, fog, foil, folder, food, forehead, forest, forest fire, fork, fort, fortress, fortune, fossil, fountain, fox, frame, freckles, freezer, fridge, fries, frog, frostbite, frosting, frown, fruit, full, full moon, funeral, funny, fur, furniture, galaxy, gang, gangster, garage, garbage, garden, gardener, garlic, gas, gas mask, gasoline, gasp, gate, gem, gender, generator, genie, gentle, gentleman, geography, germ, geyser, ghost, giant, gift, giraffe, girl, gladiator, glass, glasses, glitter, globe, gloss, glove, glow, glowstick, glue, glue stick, gnome, goal, goat, goatee, goblin, godfather, gold, gold chain, golden apple, golden egg, goldfish, golf, golf cart, good, goose, gorilla, graduation, graffiti, grandmother, grapefruit, grapes, graph, grass, grasshopper, grave, gravedigger, gravel, graveyard, gravity, greed, grenade, grid, grill, grin, groom, grumpy, guillotine, guinea pig, guitar, gumball, gummy, gummy bear, gummy worm, hacker, hair, hair roller, hairbrush, haircut, hairspray, hairy, half, halo, ham, hamburger, hammer, hammock, hamster, hand, handicap, handle, handshake, hanger, happy, harbor, hard, hard hat, harmonica, harp, harpoon, hashtag, hat, hazard, hazelnut, head, headache, headband, headboard, heading, headphones, health, heart, heat, hedgehog, heel, heist, helicopter, hell, helmet, hen, hermit, hero, hexagon, hibernate, hieroglyph, high five, high heels, high score, highway, hilarious, hill, hip hop, hippie, hippo, hitchhiker, hive, hobbit, hockey, holiday, homeless, honey, honeycomb, hoof, hook, hop, hopscotch, horizon, horn, horse, horsewhip, hose, hospital, hot, hot chocolate, hot dog, hot sauce, hotel, hourglass, house, hovercraft, hug, hummingbird, hunger, hunter, hurdle, hurt, husband, hut, hyena, hypnotize, iPad, iPhone, ice, ice cream, ice cream truck, iceberg, icicle, idea, imagination, impact, incognito, industry, infinite, injection, insect, inside, insomnia, internet, intersection, interview, invasion, invention, invisible, iron, island, ivy, jacket, jackhammer, jaguar, jail, jalapeno, janitor, jaw, jazz, jeans, jeep, jello, jelly, jellyfish, jester, jet ski, joker, journalist, journey, judge, juggle, juice, jump rope, jungle, junk food, kangaroo, karaoke, karate, katana, kazoo, kebab, keg, kendama, ketchup, kettle, key, keyboard, kidney, kindergarten, king, kiss, kitchen, kite, kitten, kiwi, knee, kneel, knife, knight, knot, knuckle, koala, kraken, label, laboratory, ladder, lady, ladybug, lake, lamb, lamp, landlord, landscape, lane, language, lantern, lap, laptop, laser, lasso, laundry, lava, lava lamp, lawn mower, lawyer, leader, leaf, leak, leash, leather, leave, leech, legs, lemon, lemonade, lemur, lens, leprechaun, lettuce, levitate, librarian, library, licorice, lid, light bulb, lighter, lighthouse, lightning, lightsaber, lily, lilypad, limbo, lime, limousine, line, link, lion, lips, lipstick, litter box, lizard, llama, loading, loaf, lobster, lock, log, logo, lollipop, loot, loser, lotion, lottery, lounge, love, low, luck, luggage, lumberjack, lung, lynx, lyrics, macaroni, machine, macho, mafia, magazine, magic, magic trick, magic wand, magician, magma, magnet, magnifier, maid, mailbox, mailman, makeup, mall, mammoth, manatee, manhole, manicure, mannequin, mansion, mantis, map, maracas, marathon, marble, margarine, marigold, market, marmalade, marmot, marshmallow, mascot, mask, massage, match, matchbox, mattress, mayonnaise, mayor, maze, meal, meat, meatball, meatloaf, mechanic, meerkat, megaphone, melon, melt, meme, mermaid, message, messy, metal, meteorite, microphone, microscope, microwave, midnight, military, milk, milkman, milkshake, mime, miner, minigolf, minivan, mint, minute, mirror, missile, model, mohawk, mold, mole, money, monk, monkey, monster, moon, moose, mop, morning, mosquito, moss, moth, mothball, mother, motherboard, motorbike, motorcycle, mountain, mouse, mousetrap, mouth, movie, mud, muffin, mug, murderer, muscle, museum, mushroom, musket, mustache, mustard, nachos, nail, nail file, nail polish, napkin, narwhal, nature, navy, neck, needle, neighbor, neighborhood, nerd, nest, network, newspaper, nickel, night, nightclub, nightmare, ninja, noob, noodle, north, nose, nose hair, nose ring, nosebleed, nostrils, notebook, notepad, nothing, notification, novel, nugget, nuke, nun, nurse, nut, nutcracker, nutmeg, nutshell, oar, observatory, ocean, octagon, octopus, office, oil, old, omelet, onion, open, opera, orange, orangutan, orbit, orca, orchestra, orchid, organ, origami, ostrich, otter, outside, oval, overweight, owl, oxygen, oyster, paddle, page, pain, paint, paintball, pajamas, palace, palette, palm, palm tree, pan, pancake, panda, panpipes, panther, pants, papaya, paper, paper bag, parachute, parade, parakeet, parents, park, parking, parrot, party, password, pasta, pastry, path, patient, patio, patriot, pause, pavement, paw, peace, peach, peacock, peanut, pear, peas, peasant, pedal, pelican, pencil, pencil case, pencil sharpener, pendulum, penguin, peninsula, penny, pensioner, pepper, pepperoni, perfume, periscope, person, pet food, pet shop, petal, pharmacist, photo frame, photograph, photographer, piano, pickaxe, pickle, picnic, pie, pig, pigeon, piggy bank, pigsty, pike, pill, pillar, pillow, pillow fight, pilot, pimple, pin, pinball, pine, pine cone, pineapple, pink, pinky, pinwheel, pipe, pirate, pirate ship, pistachio, pistol, pitchfork, pizza, plague, planet, plank, plate, platypus, player, playground, plow, plug, plumber, plunger, pocket, pogo stick, point, poison, poisonous, poke, polar bear, policeman, pollution, polo, pond, pony, ponytail, poodle, poop, poor, popcorn, pope, poppy, popular, porch, porcupine, portal, portrait, positive, postcard, poster, pot, pot of gold, potato, potion, pound, powder, prawn, pray, preach, pregnant, present, president, pretzel, price tag, priest, prince, princess, printer, prism, prison, pro, procrastination, professor, programmer, promotion, protest, provoke, prune, pub, pudding, puddle, puffin, puma, pumpkin, punishment, punk, puppet, purity, purse, puzzle, pyramid, quarter, queen, queue, quicksand, quill, quilt, quokka, raccoon, race, racecar, radar, radiation, radio, radish, raft, rail, rain, rainbow, raincoat, raindrop, rainforest, raisin, rake, ram, ramp, rapper, raspberry, rat, ravioli, razor, razorblade, read, reality, reception, receptionist, record, rectangle, recycling, red, red carpet, reeds, referee, reflection, reindeer, relationship, religion, remote, repeat, reptile, rest, restaurant, retail, revolver, rewind, rhinoceros, rib, ribbon, rice, ring, ringtone, risk, river, roadblock, robber, robin, robot, rock, rocket, rockstar, roll, roof, room, rooster, root, rose, royal, rubber, ruby, rug, ruler, run, rune, sad, saddle, safari, safe, sailboat, salad, sale, saliva, salmon, salt, saltwater, sand, sand castle, sandbox, sandstorm, sandwich, satellite, sauce, sauna, sausage, saxophone, scar, scarecrow, scarf, scary, scent, school, science, scientist, scissors, scoop, score, scream, screen, screw, scribble, scuba, sculpture, scythe, sea, sea lion, seafood, seagull, seahorse, seal, search, seashell, seasick, season, seat belt, seaweed, second, security, seed, seesaw, semicircle, sensei, server, sew, sewing machine, shadow, shake, shallow, shampoo, shape, shark, shaving cream, sheep, shelf, shell, shipwreck, shirt, shock, shoe, shoebox, shoelace, shop, shopping, shopping cart, short, shotgun, shoulder, shout, shovel, shower, shrew, shrub, shy, sick, signature, silence, silo, silver, silverware, sing, sink, sit, six pack, skateboard, skateboarder, skates, skeleton, ski, ski jump, skin, skinny, skribbl.io, skull, skunk, sky, skydiving, skyline, skyscraper, slam, sledge, sledgehammer, sleep, sleeve, slide, slime, slingshot, slippery, slope, sloth, slow, slump, smell, smile, smoke, snail, snake, sneeze, sniper, snow, snowball, snowball fight, snowboard, snowflake, snowman, soap, soccer, social media, socket, socks, soda, soil, soldier, sombrero, son, sound, soup, south, space, space suit, spaceship, spade, spaghetti, spark, sparkles, spatula, speaker, spear, spelunker, sphinx, spider, spin, spinach, spine, spiral, spit, spoiler, sponge, spool, spoon, spore, sports, spray paint, spring, sprinkler, spy, square, squid, squirrel, stab, stadium, stage, stamp, stand, stapler, star, starfish, starfruit, statue, steam, step, stereo, sting, stingray, stomach, stone, stoned, stop sign, stork, storm, stove, straw, strawberry, streamer, street, stress, strong, student, studio, study, stylus, submarine, subway, sugar, suitcase, summer, sun, sunburn, sunflower, sunglasses, sunrise, sunshade, supermarket, superpower, surface, surfboard, surgeon, survivor, sushi, swag, swamp, swan, swarm, sweat, sweater, swimming pool, swimsuit, swing, switch, sword, swordfish, symphony, table, table tennis, tablecloth, tablet, tabletop, taco, tadpole, tail, tailor, take off, talent show, tampon, tangerine, tank, tape, tarantula, target, taser, tattoo, taxi, taxi driver, tea, teacher, teapot, tear, teaspoon, teddy bear, telephone, telescope, television, temperature, tennis, tennis racket, tent, tentacle, text, thermometer, thief, thin, think, thirst, throat, throne, thug, thumb, thunder, thunderstorm, ticket, tickle, tie, tiger, time machine, timpani, tiny, tip, tiramisu, tire, tired, tissue, tissue box, toad, toast, toaster, toe, toenail, toilet, tomato, tomb, tombstone, tongue, toolbox, tooth, toothbrush, toothpaste, toothpick, top hat, torch, tornado, torpedo, tortoise, totem, toucan, touch, tourist, tow truck, towel, tower, toy, tractor, traffic, traffic light, trailer, train, translate, trap, trapdoor, trash can, traveler, treadmill, treasure, tree, treehouse, trend, triangle, trick shot, tricycle, trigger, triplets, tripod, trombone, trophy, tropical, truck, truck driver, trumpet, tuba, tug, tumor, tuna, tunnel, turd, turkey, turnip, turtle, tuxedo, twig, type, udder, ukulele, umbrella, uncle, underground, underweight, undo, unibrow, unicorn, unicycle, uniform, universe, upgrade, vacation, vaccine, vacuum, valley, vampire, vanilla, vanish, vault, vegetable, vegetarian, vein, vent, vertical, veterinarian, victim, victory, video, video game, village, villain, vine, vinegar, viola, violence, violin, virtual reality, virus, vise, vision, vitamin, vlogger, vodka, volcano, volleyball, volume, vomit, voodoo, vortex, vote, vulture, vuvuzela, waffle, waist, waiter, wake up, walk, wall, wallpaper, walnut, walrus, warehouse, warm, wart, wasp, watch, water, water cycle, water gun, waterfall, wave, wax, weak, wealth, weapon, weasel, weather, web, website, wedding, welder, well, werewolf, west, western, whale, wheel, wheelbarrow, whisk, whisper, whistle, white, wife, wig, wiggle, willow, wind, windmill, window, windshield, wine, wine glass, wing, wingnut, winner, winter, wire, wireless, witch, witness, wizard, wolf, wonderland, woodpecker, wool, work, workplace, world, worm, wound, wrapping, wreath, wrench, wrestler, wrestling, wrinkle, wrist, writer, x-ray, xylophone, yacht, yardstick, yawn, yearbook, yellow, yeti, yo-yo, yogurt, yolk, young, youtuber, zebra, zeppelin, zigzag, zipline, zipper, zombie, zoo, zoom,
submitted by StaroSVK to skribbl [link] [comments]

I will tell you exactly what is going on here, this is critical information to understand if you are going to make money in this space. How prices work, and what moves them - and it's not money invested/withdrawn.

/edit: Hi /all. While I have your attention, I want to take 5 seconds of your time and bring some exposure to something that is threatening our existence as the human race. If you aren't interested, please skip down to the main article. I'm talking about finding a way to live sustainably on this planet, regenerative agriculture, where we get our food from, and how we can make sure that our kids and grandkids have something left once we leave.
Please consider reading up on Permaculture, sustainable living, Forest gardening, Backyard Chickens, etc. Consider following what I did and do it for yourself. This all used to be a useless lawn.
Bored for a night? Go watch "Sustainable" on Netflix.
Look into people like Geoff Lawton, Mark Shepard, Sepp Holzer, these people are going to save us.
Want to make a small change yourself? Grow a tomato plant on your balcony in a pot. Reduce transport of the tomatoes you eat, and make ~$50 per plant in saved money. Want to do something bigger? Plant a fruit tree in your backyard. Maybe two. Maybe a raspberry bush. You are now part of saving the human race.
If everyone reading this planted a fruit tree, or even some wild flowers, we could save the bees.
While you are at it, planting a fruit tree has been shown to be one of the best investments on the planet. There's pretty much no investment on the planet that is more financially lucrative (while still being nearly bullet-proof safe) than planting a fruit tree.
You can get a tree at an end of sale auction for literally 5-10 bucks, and that tree will produce THOUSANDS of dollars of fruit for you in it's lifetime. Go spend $200 bucks at an end of season sale, plant 10-20 trees (if you have room), and that $200 will be worth tens of thousands of dollars of saved money.
Do it right, set it up right and it's almost no work because you offload the work to nature - as it has done for the last few billion years. Go learn how, let me show you how. If you do it right, it's zero work after you have planted and wood-chipped, and all you do is pull dollars off a tree.
Original post starts below. I apologize for the shilling of Permaculture, but I think loss of topsoil will impact us all if we don't reverse it soon. We need soil, we need bees, we need food. We need to stop buying December Bananas in Canada. We need to start supporting local permaculture sustainable farms. We need to do this or we may not make it, and our grandkids stand no chance.
I also expended the "now what happens" section, to explain how these pullbacks are a good thing, make crypto more stable, and why we keep seeing larger ceilings after every pullback... this stuff is really important for you to make money on this thing, if that's your goal....
I've made a similar post in a few spots, and this is something that is absolutely critical for people to understand... what impacts price, and what is going on lately. Price has only a very minor correlation with money invested, and a major correlation with opinion.
... and Humans are an emotional bunch.
So what drives price of any commodity, crypto, gold, pizzas, whatever? The money invested in it, right? Kind of, but not really. What if I told you that you could theoretically raise bitcoin from $15k to $20k by spending $1, and lower it from $25k to $1k by spending the same $1? Crazy right?
AN EXAMPLE
This is going to start out slow, I want to make sure I get everyone on the same page before I pick things up and lift the curtain. Stick with me here....
This is an example to help illustrate why prices aren't driven by money invested, but rather consensus and opinion. Lets imagine the following exists (we will use bitcoin as an example, but this is how everything on the planet works)
Lets say Bitcoin is currently priced at $10k (the last sale). From $11k to $99k, every $1k there is someone with a sell order of 1 full bitcoin. From $9k to $1 dollar, every $1k on the way down there is someone with a buy order of 1 full bitcoin.
So, right now if you wanted to buy bitcoin you have several options... meet the lowest seller's price of $11k, or, put your own buy order up, above the highest buyer's bid order (overcut them). If you decide to just place an order, the price doesn't change. If you decide the buy the $11k bitcoin, now bitcoins value is $11k, with a new lowest sell offer of $12k, and a highest buy bid of $10k. Someone else comes in an overcuts the buy bid and puts 1 BTC for sale for $11k. No trades are made until someone matches a buy/sell.
Okay, that's kindergarten stuff, most people here understand that. So how much money drove the price up in this situation? $11k, and BTC price raised 11/10, 1.10, or 10% from the last sale. Now the entire marketcap of BTC raised 10% (last sale multiplied by circulating supply). So it takes $11k to drive a 10% increase, right? Not at all. Lets look at what happens when news is released.
News comes out that Warren Buffet thinks bitcoin is a scam, a bubble, and he wouldn't touch it with a 10 foot pole because he only invests in things he understands and he doesn't understand crypto. People panic everywhere, and believe "this guy is smart, I'm overvaluing this thing".
Suddenly people don't want to buy this scam anymore, and the buy orders for $11k, $10, and $9k are taken down.
At the same time, the people wanting to sell start to panic and just want out. The guy at $32k (who just had that offer up "just incase it moons") drops down to $11k sell order. The guy at $12k, who was the lowest, now undercuts him to $10k.
The other buyers see the sellers undercutting and think that if these people want out, why am I buying in. The $8k guy pulls his offer, and so do the $7k, $6k and $5k guys. The highest offer is now $4k.
The sellers panic further and the $14k guy undercuts the $10k guy and puts up a $9k sell. The $15k, 17k and 11k guys all see this flurry of panic and now a storm undercutting is triggered, to $8k, $7k, and $6k. The $8k order pulls his again and goes down to $5k.
The price on the buy and sell orders has moved around a ton, but no sales have actually happened yet. Technically, BTC is still "worth" $11k, and the market cap reflects that. All this horseshit has happened, and it only happened in 10 seconds, but the price hasn't moved yet.
The $27k guy wakes up and checks his phone. He had a $27k offer just incase the price moved also, and he also only has a tiny infinitesimal fraction of a BTC. Well, he decides "he's out" and fills $1 worth of the part of the $4k guys buy offer.
The latest price information is now updated, and BTC fell from $11k to $4k price per BTC with the movement of a single dollar.
This is exaggerated example, but this is what moves price. Not money in vs money out. The ONLY THING that moves price is perception.
OPINION FLOW AND NOT MONEY FLOW
Now the above example only happens if everyone simultaneously believe the same thing... this the asset they are holding is a steaming turd. What happens in reality is there's no black and white, it's shades of gray. It's flow in vs flow out. But again, not flow MONEY, but rather OPINIONS.
If 66% of the holders of something all of a sudden unanimously decide that their asset is overvalued, then they panic sell. Even if 33% of the people decide they are going to buy up as much as these panic sellers sell, if the panic is strong enough, and they are slitting eachother's throat to sell, then the buyers just happily sit and let them do that, and time their buys in. Very little money has to actually change hands in order for this price to crash, all that matters is the FLOW OF OPINION has to be swift and violent, and in majority. The sellers will leapfrog eachother on the way down, faster than the buyers scoop up their sales, and the net result is a crashed price.
Note, this happens both ways... fear, uncertainty and doubt (FUD) as well as overhyped FOMO (Fear of missing out).
So now what happens?
Time goes by and all holders opinions of their asset hasn't changed. They still think it's worth $11k and they got great deals scooping up what these sellers were selling. The weak hands have left the market and have been replaced with holders. Overall, now a higher percentage of holders believe in the product they are holding and are unwilling to sell for the panic prices of the last week. Panic sellers were also replaced by new money, people who have wanted in for a while and are now in on their perceived ground floor.
Also, people who bought BTC at $1 ten years ago and have been looking for an exit to cash profits have now been replaced by either long term holders, or by these new people who are thrilled to have finally entered, and they are looking to hold long.
So what happens on pullbacks? The number of people waiting to jump off the ship has decreased. The new ground floor is established. Are we done? Who knows, this could go on for another year, but what matters is that people who want off are getting off and people that want on are getting on.
People who have panic sold and never believed in this in the firstplace... people who have wanted out for 10 years... they have been replaced by people who are now getting in on THEIR GROUND FLOOR, and are going to be holding long. The market is suddenly increasingly more stable today than it was yesterday, even though prices are down.
This is a good thing. This is why crypto keeps bouncing back from pullbacks and reaches new higher ceilings and floors each time. Old money who wanted out, and new panic holders, they are gone. They are replaced with adopters, holders, believers in this technology. These people aren't selling anytime soon, because they believe that this thing is going to revolutionize the world. Every crash brings more of these people in, and removes more panic sellers out.
Moving forward
Now news releases start coming out about how stock ETFs are being created, NASDAQ index funds, bank support, government support. Companies are using this tech, and companies who use blockchain for transportation are putting non-blockchain companies out of business.
The people on the outside looking-in feel they are missing out. They now start coming in and buying. They start overpricing eachother on their buy orders, and eventually it gets close enough to a sell order that someone decides they are just going to meet the sell price. The sale goes through.
Sellers (HODLERs) see this action, and they start pulling sell orders off the table almost as fast as they fill. Sure some trades go through, and incoming money is driving the price up as market orders are filled. But what's also happening is people are seeing this flurry of volume, and sellers are pulling sell orders and placing them higher.
Junk coins and pump and dump scam coins are dying by the millions. In their ashes, good solid technology projects whose coins have fundamental economic reasons for growth, these are rising. Corporate partnerships continue forming. The real world continues to create actual use cases. Companies start storing more and more corporate information on blockchain. Public companies use blockchain to store scientific research (See Canadian Research Council announcements), and blockchain acts as a Library of Alexandria. People can travel out of country without any monetary exchange, using their chosen cryptocurrency to buy the things they need abroad. The world is slowly actually USING this technology.
Money is coming in, but more importantly, OPINION IS CHANGING. Literally nothing could have happened in terms of fundamentals, partnerships, etc... this can all be driven entirely emotional, so long as it's wide-spread and strong. Infact, the market could THEORETICALLY rebound in this way from $4000/BTC to $1 MILLION PER BITCOIN by the sale of ONE PENNY. $4000 sound low? Does that number make you uncomfortable? We may go that low. We may not. If we do, I'm not panicking and selling, I'm buying more.
SO WHAT HAS HAPPENED IN THE LAST FEW MONTHS? and where are we going?
A lot of new money has come in from Nov-Jan, and they don't really know what they are investing in. Sure some of them have done great research and are smart investors but most people aren't and isntead they are buying Symbols and Names and trading on speculation. They are treating their favorite coins like a sports team, and will follow them irrationally off a cliff.
These new people came in and invested in cryptocurrency because their OPINION was heavily influenced in Nov, Dec, Jan, from media. They saw this money making machine called crypto. They were willing to pay huge, ride the wave up, keep buying, etc. They were "ground floor adopters" and were going to get rich.
They outnumber the old money by A LOT. Their OPINION MATTERS. It matters the most.
To keep this in perspective, they are also a VAST MINORITY of "new money" that will enter the game in the next decade. This cycle will continue over and over and over.
Their opinion rose nearly unbounded and price rose accordingly. Market cap rose from 10B to 750B, and it could have been VERY LITTLE actual money that did this. How much did it need to be though? Literally ONE PENNY, theoretically. All that matters in moving price is MOMENTUM OF OPINION. I believe it has been estimated that as low as 6B USD was responsible for the bull rush.
These people then started hearing "Bubble", "Scam", Fake news about governments banning. They don't understand how technology wins, always. Crypto is beyond government control. If they could have stopped Bitcoin they would have done it already.
WHO IS DRIVING ALL THIS?
Most investment opportunities go first to "accredited investors". You need to have multimillions in order to get in on the ground floor for most stock IPOs, and we're seeing that start to happen with coin ICOs. Bitcoin was a joke for the first few years, while lunatics picked it up. At this point, it was really too late to get in "early", and who would have wanted to anyways, it was all still a joke. So Wallstreet, banks, governments have generally watched on the sidelines as average Joes who were crazy enough to be early adopters and toss $100 on fake internet money slowly became millionaires.
Not only that, but the idea of blockchain started to become understood. The power and value in it became understood. Not only as a way to track "monetary value" but for many other applications as well. Platforms were created, business uses brainstormed, products started being made. This thing started taking off, and wasn't a joke anymore. But regardless, big money wasn't in on the ground floor. They have stakeholders opinions to think of, and what do they say to investors when they lose all their money on magic internet points?
But they have woken up now. This thing has "popped" many times now and keeps recovering. This thing won't die. could they have been wrong all along? If they want in, how do they get in? They are no dummies, they have been controlling the world their whole lives? Look at the media experiment that Trump is doing? He is testing just how we work... you can do literally anything and we remember it for like 30 seconds, until the next news story comes out. We change opinions very easily. We are swayed very easily. We are their puppets. Media controls the world. They know their way in.
They have ONE WEAPON against cryptocurrency.
YOUR OPINION OF IT.
And they know it.
Media.
That's why FUD is so powerful and needs to be respected. It's why we need to read more than titles on news articles. We need to question what we read, whether it's good news or bad news. We need to think about "what are the motives of the person saying this to me". Does the government have a conflict of interest when they state that crypto is gambling? Do they have skin in the game?
What about wall street? Does WEISS ratings possibly have incentive to come out with poor ratings? Do banks have incentive to lock accounts in order to "protect" customers from "unsafe investments" when their entire business model revolves around holding as much of your money as possible and making money off it? Do you think banks have any super secret hidden interest in preventing you from storing your money elsewhere? I'm not sure, maybe you can critically think about that.
Just understand that this goes both ways. When crypto is booming and Fox news is showing people how to buy $4 ripple on prime time, you may want to start putting in some stop loss orders. When the suicide hotline is stickied at the top of /cryptocurrency and everyone is panic selling, you may want to start picking up some firesale deals.
So, the question is this... Is crypto undervalued or overvalued at it's price today? Where is the price going long term? I'm not talking about it's use case, I'm talking about in the court of public opinion, where is THAT going? Because THAT is what is going to drive price in the future.
Without a crystal ball, this is of course impossible to know. Do your own research and form your own opinion. It could very well be that the technology having a use-case will in and of itself drive opinion, and thus price. But make sure you understand that it's not the technology itself, it's not the value of the business itself, it's not the use case itself that will drive price, it is the publics OPINION of that thing which drives price. They are intertwined, but they are NOT the same thing.
TLDR: VERY VERY little money has to move around in order to swing prices drastically, up or down. Money in and out doesn't drive price, OPINION does. How do you let the news you read impact your opinion?How are you being played (on both sides, shilling and FUD).
Something is only worth what people think it's worth. Often that's based on reality, value, business, money, but often it's entirely emotional.
Structure your portfolio in a balance, intelligent way, using risk methodology.. Invest money you are willing to lose. Support legitimate technology and teams who are actively driving their product to completion, coding, and marketing. Stop trying to make money overnight in pump and dump scams, or pyramid schemes.
Every day, take one coin, do a deep dive on it, learn it inside and out. Look into their team and their past. Do that every day for a year, and you just learned 365 coins inside and out. Ask yourself the following key questions:
Have those members consistently jumped ship on previous projects? Is that where you want to invest in? Is their team capable of executing on their vision? Are they trying to solve world hunger, and their team is a few 16 year olds in a garage? How active is their github? Are they adding chunks of code regularly, or is a ghost town? Are they marketing their product at all? Or is marketing the only thing they are doing?
What are the economics of their coin itself? Is it required to be used to gain access to their technology? Are there burns? How premined is it, and what portion do the founders hold?
What about their vision? Are they trying to solve a problem that needs to be solved? What are the economics of that problem and how much money does the solution potentially save clients?
These are all questions you should be asking when you give your money to someone else. We're a lot more stable than we were - a correction was bound to happen. Too much early money wanted to cash in profits. These people have been replaced by new money who is holding on their own ground floor. The whole industry in general is still in very early stages. Rest assured that anyone reading this is still very much an early adopter. Just make sure you are investing in actual technology, and supporting capable teams, and not buying air. Buy the Googles and Amazons of Crypto, not the pets.com or flooz.com of cryptos.
Happy investing everyone.
/EDIT: some have asked to donate some crypto. Do me a favour instead, sub to my YouTube channel (link at top) watch my videos how to get started properly, and plant your own trees and establish food sovereignty for your family and your community, and help save the bees, save our topsoil, and sequester carbon to reverse global warming. My goal is to get a gardener back into every home on the planet. THAT is how we heal this world.
submitted by Suuperdad to CryptoCurrency [link] [comments]

Hear me out on my ACB thesis

I know a lot of older investors don’t even touch pot stocks and think their the new bitcoin but don’t discredit them all. I’m not advocating day trading them or even swing trading them but I think there’s a good case for a long term ACB (Aurora Cannabis) position. I’m also not saying to dump your entire portfolio into them but I think they have some good growth opportunities. I’m personally a long term bull for ACB and here’s why. Their margin is one of the highest in the game mostly due to their production cost per gram which is also the lowest in the sector, they have the most efficient facilities with no crop loss at all. And for their production size they have 75% less employees because of their automation system. This is definitely going to be a commodity and having the lowest cost and the highest quality product will drive out most of their competitors. Their also focusing on high end retail products that yield much higher profits, their average price per gram sold is $5.68 while their higher end products like vape pens and edibles sell at an average $11.01 a gram. Their projected to earn an easy $3.75 billion in revenue in the next few years. And if their cost per gram drops more (which it will) their margin could exceed 60%. ALSO it will be the first profitable pot stock within the next 2 quarters which is unheard of in the cannabis sector with canopy not expected to be profitable until 2021-2022, their market cap is 7 billion and global marijuana sales will exceed $177 billion by 2030, Aurora currently has a market share of about 20% of the sales in Canada and if it can hold 10% of global sales that puts it at $17 billion in sales by 2030. I’m not saying your going to 50X your money but I think it will easily outperform S&P gains in a 10 year window.
submitted by MichaelTrading to investing [link] [comments]

[Sunday, 15. December]

World News

Greta Thunberg tells cheering crowd 'we will make sure we put world leaders against the wall' if they do not tackle global warming | 'The adults are behaving as if there is no tomorrow but there is a tomorrow, it is the tomorrow where our young people will live & we have to fight for that tomorrow."
Comments | Link
Justin Trudeau moves forward with ban on LGBT+ conversion therapy across Canada
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Greta Thunberg apologises after saying politicians should be ‘put against the wall’. 'That’s what happens when you improvise speeches in a second language’ the 16-year-old said following criticism
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All news, US and international.

Mom whose baby was ripped from her arms by officers in NYC to get $625K settlement
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Cryptocurrency tycoon died leaving $145M in limbo
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Colorado woman gets revenge on porch pirates by stuffing decoy boxes with garbage
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Science

Researchers developed a self-cleaning surface that repel all forms of bacteria, including antibiotic-resistant superbugs, inspired by the water-repellent lotus leaf. A new study found it successfully repelled MRSA and Pseudomonas. It can be shrink-wrapped onto surfaces and used for food packaging.
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Sound waves can be used to separate microplastics from laundry wastewater, reports new study. Oceans are currently under threat from "microplastic", which may be shed by synthetic fabrics as they're being washed. The new setup was found to capture 95% of PET fibers, and 99% of Nylon 6 fibers.
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Research on UMass Amherst course shows resilience can be taught. The ability to persist through challenges and recover from adversity - is no longer considered a character trait by researchers but a practiced interaction between person and environment
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/Technology

House panel asks Apple, Google if app makers must reveal foreign ties - It's concerned TikTok, Grindr and other apps might pose security risks.
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Apple accused of monitoring employee text messages in lawsuit against ex-chip exec
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This alleged Bitcoin scam looked a lot like a pyramid scheme. Five men face federal charges of bilking investors of $722 million.
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Sadly, this is not the Onion.

Free agent Antonio Brown says it's time to ghost white women
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Bathroom sign says employees must have 'smell check' to ensure 'not sitting on phone' for too long
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Louisiana sues California over alligator ban
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Ask Reddit...

[serious] They say everyone we meet is fighting a battle we know nothing about... so we should always be kind. What battle are you fighting?
Comments
What happened to that person that took your virginity? Where are they in life?
Comments
What turns you on almost instantly?
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Sysadmin

A Dropbox account gave me stomach ulcers
Comments
Update on recent NGINX situation
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Just remember this in your emergencies Guys & Gals.
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Microsoft SQL Server

JSON strings as stored procedure parameters
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Sql Server Stored Procedure datatype that is like a list
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PowerShell

Moving files based on name
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Using PowerShell Core 6 and 7 in the Windows PowerShell ISE
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Starting from the bottom
Comments

Functional 3D Printing

I printed some two-color QR coasters so my guests can connect to the WiFi without asking me for the password
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Magnetic print
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Couldn't find a magnetic cleaner for my fishbowl so made a custom one with the exact curvature required and in-print magnets.
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Data Is Beautiful

Swear words in Tarantino movies [OC]
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I dieted for 80 days and recorded my weight and calories eaten per day [OC]
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[OC] Compare your favorite music artists head-to-head here in this interactive visualization powered by Spotify API (demo link in comment)
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Today I Learned (TIL)

TIL forcing left-handed children to write with their right hands is not in any way innocuous or helpful- it is actually harmful to their developing brains and can result in dyslexia, stuttering and other learning or speech disorders.
Comments | Link
TIL actor Robert Pattinson dealt with an obsessed fan who had been camping outside his apartment by taking her out on a dinner date. "I just complained about everything in my life and she never came back."
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TIL that 95% of the world's food needs are provided by just 30 species of plants. At least 12,650 species names have been compiled as edible.
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So many books, so little time

The employees at iconic NYC bookstore McNally Jackson have voted to unionize.
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I’m a sucker for long books.
Comments
What are some examples of high quality prose?
Comments

OldSchoolCool: History's cool kids, looking fantastic

Winona Ryder and Christina Ricci in 1989.
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My great great grandma, in the foothills if the Appalachian mountains around 1915
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Conan O'Brien and Bob Odenkirk in the SNL writer's room, 1988.
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aviation

Su-34 bombers over MIBC | Moscow, Russia | Photo: Vladimir Astapkovich [900x603]
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The Gimli Glider
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America’s ass
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Reddit Pics

My wedding dress didn’t arrive in time so I wore my mom’s 1960s wedding dress and it was perfect for our backyard ceremony.
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Mural I painted in Memphis Tennessee
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I made a penny floor that worked out cheaper than a real floor !
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.gifs - funny, animated gifs for your viewing pleasure

Living The Good Life!
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A band of monkeys accepting a stray dog into their group and giving him a quality grooming
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Pot Painting
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A subreddit for cute and cuddly pictures

My little helpers.
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I felt bad for my cat not being able to see out to our front yard, so together we cut him a peep hole in the frosting.
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Kisses before you go!
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submitted by DangerDylan to DangerDylanTLDR [link] [comments]

the strategy: know your asset [stocks/crypto]

the strategy: know your asset [stocks/crypto]
TL;TR: Every strategy is unique, here is only basic info of what you need to do before buy shares or cryptocurrencies. Well, I'm not good at fundamental analysis, looking for correlations and so on or maybe your good post for everyone at this sub.

Here, I want to share my experience with the people who like cryptocurrencies and the stock market. I have my strategy divided in 3 stages, and of course, the first one is the most long one.
  1. Learn more about asset that you want to buy.
  2. Competitors research
  3. Technical Analysis
1. Learn more about asset that you want to buy.
That, to my mind, is the fundamental challenge for everyone who wants to be successful trader. Every project has a white paper, you must read it before buy, it's the best way to understand the team's goals as the company's goals. I have read a lot of white papers and they are different from each other, when the project is really cool its wp is like a very good book for reading, very well written, w/o errors and is truly impressive while reading. Have a questions? Ask them at: official forum, reddit, twitter, telegram, stocktwits, may be at marketknows :).
If the deal is about a stock company, be sure that you understand its business model, you must know what does it produce and export or import and how is good their sales, in other words everything what you can find out about company(P/E ratios, growth, balance sheets, industry performance etc.). Here I can recommend you seekingalpha dot com, there you can find a lot of articles, but almost all of them are currently closed for free read, DM me, and I will show you the smart trick how to avoid it.
More data needs to be collected on the asset you research nonetheless have a duty to carefully select the information that should be used in your decision.
Rule 1 - Read the White Paper. You must do the full research.
2. Competitors research.
You can think that this additional workload will, unfortunately, eat your time and the price of a share/coin/token you want to buy will sky rocket without you, well it's not true. In most cases, it is better to spend a week or two to complete your research and to be certain that you are right than you will purchase illiquid asset. Anyway, you will get the data for analysis which would strengthen confidence in your decision and thus enhance the environment for investment.
3. Technical Analysis
This is my lovely part. First of all you need to analyze the market sentiment, if it's stock market you must check stocks in the same industry, are they experience a decline or follow the uptrend? As example take a "WeedStocks", the last summer - autumn, the whole industry was booming in connection with the forthcoming publication of new law, new partnerships, etc...
"What sparked the cannabis craze of 2018? Well, a number factors shed mainstream light on the long-dormant, niche industry. First, everyone started getting excited in 2018 about the nationwide legalization of cannabis in Canada in October. This was arguably the industry’s biggest catalyst ever, and as pot stocks started listing on U.S. exchanges, investors started bidding those stocks up.
But what really kicked this rally into overdrive was a massive $4 billion investment into Canopy Growth from alcoholic beverage giant Constellation Brands (NYSE:STZ) in August. That was when marijuana stocks took off like a rocket ship. The logic was that big money was finally moving into the space, and thereby legitimizing the long-term potential of the recreational and medicinal cannabis markets.
Alongside this hype, there was a significant amount of volatility. Thus, just as 2018 was the year of the cannabis craze, it was also the year of marijuana stock volatility. After more than doubling between July and October, pot stocks have since broadly dropped into bear market territory, with Canopy, Tilray and Aurora all 35% or more off all-time highs." source: https://investorplace.com/2019/02/4-reasons-marijuana-stocks-pot-stable-2019/
If it's cryptocurrencies market, then you need to know that Bitcoin is the king here, and when its price is rising, almost every token and coin value is going down in Bitcoin equivalent and rising in dollar pair, however, much depends on the state of the digital asset you choose. Future events, news, different rumors etc.. such activities have a direct impact on the price. I understand that with single stack you are dreaming about 2x, 3x, 5x but that may never happen with your favorite currency, but it can happen with another cryptocurrency which you wanted to buy but you hadn't free money, and for that reason a long-term trader must have at least 5 to 10 assets that are easy to track everyday.
And practice.
My rules:
  1. Only uptrend.
  2. Open orders only at start or end of the tf.
  3. Use only 4h, 1d, 3d tf. 1w and 1m can be used to confirm the uptrend.
  4. Use support and resistance lines/levels.
  5. Use MACD and RSI.
  6. Buy, if everything OK.
  7. Set a stop-loss lower than support line.
Examples.
here 1. http://thepatternsite.com/channels.html
Here 2:
$BNB Binance
https://preview.redd.it/c8momco8kk131.png?width=1808&format=png&auto=webp&s=d13e2e034136a3de6ed54d741259cf8ff3049cb3
$PYPL Paypal
https://preview.redd.it/0l9grb4bkk131.png?width=1813&format=png&auto=webp&s=d6a34c8961876ede118c9e01b6f4585b290de518
$DIS Disney
https://preview.redd.it/aly5qntckk131.png?width=1810&format=png&auto=webp&s=e972e11fd7098e0863a50accff2ea0d9efc7eaae
$TGODF
https://preview.redd.it/83h3skcekk131.png?width=1810&format=png&auto=webp&s=bfe76ab8282ae17b1453b39b95e93780b0da6d9b
Thanks for reading and good luck.
submitted by Fanfan_la_Tulip to marketknows [link] [comments]

What was the Hypocrisy behind the Russia Probe?...could it be linked to Cryptocurrencies?

(First posted on July 9th 2019 on Tumblr, which caused my account to be classified as presenting explicit material...a nice way of saying suspended)
Consider all through this article that I am expressing a personal theory...Consider that both the Special Councils Office, and Counsel Mueller himself, and the Federal Reserve may be in Breach of Federal Law to have plotted to interfere with the sound Integrity of the US Currency, a Federal Crime.
What the Mueller probe should have exposed were the political strategies from Western World Central Banks to Institutionalize Cryptocurrency and take, at least, partial control of these through some form of Banking regulations. But it did not, what it did is assist in a Bitcoin bear market and stall for time in order to give the chance at Facebook to present the Libra.
It’s no secret that Jewish persons head and control all of the Western world central banks (Recent exception appears to be Christine Lagarde, New head of the European Central Bank who appears to be partially Christian). Yet, the Bitcoin is not controlled by Jewish interests, while most Western Currencies, through the directional leadership of Jewish owned and lead financial Institutions and through central banking, are.
Now, wall street banking institutions have a taste for crypto-currencies all right, and there lies the core of the “Russia” probe motivations, according to my opinion.
Donald Trump sold a condo in NY in 2013 for 24,700 Bitcoins. Here is the story (click here, NY DailyNews). Effectively, the condo was selling only in Bitcoins, no cash offer accepted. It appears to be the first official registered real estate transaction done in Bitcoins. At the top of the Bitcoin value (19,700 USD per Bitcoins in 2017), Donald’s position was valued at close to half a billion dollars. But this could be considered pocket money, since it is estimated that the greatest holder of Bitcoins is our dear “pal” Valdimir (Putin) himself. “Experts” estimate that "Vlad’s" position in the Bitcoin is close to 500,000 units, which would have put his net worth in Bitcoins close to 10 Billions USD at the top of the Bitcoin bull rally.
Now, you may not remember well, but at the end of 2017, at the peak of the Bitcoin fever, many central Bankers expressed the “need” for virtual money, and they dispelled the fraudulent nature of virtual money explaining that: “Well, while some transaction may serve organized crime, we believe that virtual currencies may serve a useful purpose in finance…”. Even Canada’s central bank Governor, Stephen Poloz supported openly this view: "Bank staff are exploring the circumstances under which it might be appropriate for the central bank to issue its own digital currency for retail transactions.” . The thing is that they were trying to bring the focus away from the Bitcoin (which they exposed as a gambling tool and a criminal currency) and towards other Cryptocurrencies.
Now, Donald Trump is not the only Washington DC person with a big position on the Bitcoin, it is believed that most high ranking DC politicians all have important positions in this currency.
I requested from the Justice Department, and from the FBI, and even the Mueller Investigation, that all Members of Congress and the White House divulge their position in the Bitcoin…naturally, being a nobody, I never even got a acknowledgement of receipt (and they will explain it is not under their authority...yet, do you believe I would have gotten another kind of response from the White House or Congress?). Yet, my request is strongly tied to National Security. Why? Because the sound value of the US currency is central to stability of the country, a stability that a Virtual Currency supremacy could threaten. A consideration presented with "zeal" by Fed Chief Powell this past July 10 in his testimony to Congress. In fact, politically, it is the biggest threat to all Western Democracies. (good reading here: Facebook's Libra Project Is Getting Hammered From All Sides, With Fed Chair Raising 'Serious Concerns')
But when you read the precedent article, you have to know how high finance is patient and plans way ahead. While the Chief of all central banks want to show they are prudent, it is clear they are negotiating a foot in the door of Facebook, a foot they should never set. Central Bank should not get into cryptocurrencies, and that is it, because anything they will do with it, they won't be able to mitigate the illegitimate use of it.
Further, in terms of security, these Bitcoin mining farms growing all over the US are a covert operation which has nothing to do with “mining Bitcoins”.
For those not familiar with the subject, many Americans (Canadians also), especially in rural areas, and in states and provinces where electricity is cheap, create Bitcoin mining farms. What does this consist of? Well, you need to purchase a small specialized computer (Bitmains are the most popular, about 500US) which you connect to the internet, and the electric grid and you don’t have to do nothing else, it is all controlled by China (the manufacturer of Bitmains)…it supposedly searches for fractions of Bitcoins called Satochies (1/100,000,000 of a Bitcoin), a bit like a treasure hunt. The Bitmain promoters argue they are plenty of Satochies indexed everywhere on the internet which belong to no one. Bitmains pretend finding them and putting a virtual Klondike on them.
When you participate in this activity, you are part of a kind of Chinese “coop”, which registers any Satochies your device may find, put them in a pot, and then you receive a pro-rata of the total Bitcoins found every month based on your number of Bitmains devices.
The thing is, that if you do the math, this endeavor cannot be profitable, yet everybody involved explains they are making tons of money. A Bitmain costs about 500USD and costs about 500USD in electricity to run per year @12cents/Kwh. They run 24/7 all year long..
Now considering that there is a limited fixed float of Bitcoins, 26,000,000; this would mean that to be profitable, when the bitcoin was valued at 1,000 USD, and there were around 4 million estimated Bitmains, and the likes, worldwide in 2016 (2,5 millions in the USA), you would have needed to find the equivalent of 30% of the currency float lost somewhere on the internet, with no apparent owner…make me laugh.
The real job of these computers is to launder money worldwide. It is estimated that between 100 and 300 Billion dollars are laundered worldwide on a daily basis. It appears that the Bitmains and similar devices are acquiring the principal share of this market. And the money Bitmain owners receive is for laundering money.
China is believed to be the greatest trader of Bitcoins, while Russia is believe to be where the biggest amount of Bitcoins are owned…No wonder Canadian banks and the Central Bank of Canada want to get in this business, they are losing market share in Money Laundering to the Bitcoin. Canada is the world Mecca of institutionalized money laundering through its 6 big large Chartered Banks plus the Mouvement des Caisses Desjardins).
As a reference, from Canadian Broadcasting Corporation, Global News, HuffPost.ca, BetterDwelling.ca:
· Ottawa's secret report on money-laundering points finger at Canada's banks
· Canada’s doors are ‘wide open’ for criminals to launder money in real estate: report
· Why Canada Stands Out As A Money Laundering Haven
· Canada Would Be In A Recession Without Money Laundering
· Weak rules have made Canada a magnet for money laundering: Don Pittis
From the CDC Howe Institute (Famed Canadian Think-tank, and From the British Columbia Attorney General's Office and Bank of Canada:
Why we fail to catch money launderers 99.9% of the time, May 7 2019
British Columbia AG Officer releases report on Money Laundering
Discussion Paper staff Bank of Canada On Cryptocurrencies
Bank of Canada to review Facebook's cryptocurrency white paper 'very carefully
Further, the estimated 2,5 million Bitmains unit in the US could serve to hack America as a whole, starting with the electric grid.
Arrogantly, Bitcoin “experts” on Wall Street have expressed, last year, that while the Bitcoin had fallen from its highs, it was only temporary, and that they projected the Bitcoin to surge back up and reach the value of 100,000 USD per untit by the end of 2020, and 1,000,000USD by the end of 2024.
While this appears ridicule to the naive mind, Wall Street’s arrogance and power are real, and if the Jewish financial interests from Wall Street need a 1,000,000 USD Bitcoin or other virtual currency to perpetuate their financial Coup d’État on the planet, they will get it.
As you have noticed, since the Mueller report has been closed, the Bitcoins which had been on a tear, suddenly reversed course, and it has gone up 400% from its lows in a few months. Since the end of the Mueller Investigation, Trump’s estimated gain with the Bitcoin is 250 Million USD.
Interestingly, the Mueller report ending coincides with the creation of Facebook’s Libra, a direct competitor of the Bitcoin, at least this is what is hoped…hum…interesting..a fully privately owned and controlled by Jewish financial and power interest cryptocurrency. They should have called it the Ziona…
Now, a 1,000,000USD per Bitcoin value means that the float of the Bitcoin would be close to the value of Worldwide M3 Money Supply. If you control the Bitcoin, or probably its replacement, the Libra, you control the Planet’s economy…
Interestingly, while I am not an important person at all, I had published 3 paragraphs on this observation in 2017 in an article, on my wordpress blog, concerning ethics and the white house. I had also 2 paragraphs on Papadopoulos (a Jew of Greek origin), the shamed White House staffer imprisoned for lying to the FBI. Papadopoulos, as I explained in my blog, had a plan where is was trying to convince Washington DC to take a US Navy Flotilla in the Eastern Mediterranean Sea, between Cyprus and Israel, to allow Israel to take property (to loot) an underwater gas reserves which belong officially to Cyprus (International Tribunals twice determined that the reserves were 80% Cyprian, and 20% Israelite), but that Israel is trying to claim for itself. This is the open subject of white papers published by Think-tanks from Washington DC.
Well, my 3 paragraphs on the Bitcoin and 2 paragraphs on Papadopoulos were magically erased. It is funny because my Wordpress blog was not accessible anyway, because it was never indexed by Google.
So, could it be that the Mueller report was mainly a strategy to intimidate market makers for the Bitcoins, while the Wall Street Establishment and Central Bankers awaited Facebook's announcement on the Libra. Remember that every time the Libra market announcement was postponed, so was the deposed date for the Mueller report.
And effectively, the Libra, if the Central bankers get their way, will bury the Bitcoin in oblivion within 8 to 10 years...but for the worst of our Democracies. Cryptocurrencies announce the End of the Nation States.
submitted by Denys_Picard to u/Denys_Picard [link] [comments]

[Friday, 14. June]

World News

Hundreds protest in Japan after father was cleared of raping his underage daughter when court ruled she could have resisted if she wanted to
Comments | Link
'Deja Vu' of Iraq War Lies as Mike Pompeo Blames Iran for Tanker Attack Without Single Shred of Evidence: "Secretary Pompeo gives zero proof but insists that Iran is responsible for ship attacks in Gulf of Oman. Lies, lies, and more lies to make a case for war."
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Trump administration blames Iran for oil tanker attacks in Middle East
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All news, US and international.

Tennessee sheriff’s deputy, pastor calls for LGBTQ executions in sermon
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Boy, 16, fatally shot while trying to sell Xbox: 'They killed my son over nothing,' mom cries
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White House press secretary to resign
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Science

People who spend at least 2 hours in nature a week are significantly more likely to report good health and higher psychological wellbeing, according to a new large-scale study (n = 19,806), which found that it didn’t matter whether this was achieved in a single visit or over several shorter visits.
Comments | Link
Food's texture affects whether it is eaten, liked or rejected, according to new research, which says some people are better at detecting even minor differences in consistency because their tongues can perceive particle sizes.
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Bitcoin causing CO2 emissions comparable to Hamburg. The use of Bitcoin causes around 22 megatons in CO2 emissions annually -- comparable to the total emissions of cities such as Hamburg or Las Vegas
Comments | Link

Technology

AT&T, Sprint, Verizon, T-Mobile Hit With FCC Complaint Over Sale of Phone Location Data - The Open Technology Institute, Free Press, and the Georgetown Law Center on Privacy & Technology filed the complaint Friday after multiple Motherboard and New York Times investigations.
Comments | Link
LaLiga’s app listened in on fans to catch bars illegally streaming soccer
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Google Stadia Is About To Show Everyone Why Broadband Usage Caps Are Bullshit
Comments | Link

Sadly, this is not the Onion.

Jobs Available for 'Ninjas' Up 2,505% Since 2006
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California court: Prison pot is OK, as long as inmates don’t inhale
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Hornbag Kookaburras Knock Out Power In WA After Fucking To Death On Power Lines
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Ask Reddit...

Men of reddit, what do you think would be the worst thing about being a woman?
Comments
If you won $10 million, what are literally the worst ways you could spend that money?
Comments
Teachers of reddit, what are some of the weirdest things you’ve confiscated from a student?
Comments

Sysadmin

Beer with Engineer - Anaheim, Ca. - Tonight
Comments
Oh dear lord, check your backups... it broke my Exchange.
Comments
How do you guys tactfully get someone to stop coming to you and follow the rules?
Comments

Microsoft SQL Server

DBA's if you are busy you can offload some of your work to your army of monkeys (developers) :)
Comments | Link
Database Diagrams coming back in 18.1! ...still no T-SQL Debugging
Comments
Finding if a user is part of a role that has DB restore privileges.
Comments

PowerShell

Powershell in a month of lunches is mine!!
Comments
Dropped this in /sysadmin but you might like it. Automated a horrible task for accounting. Got a card and present today.
Comments
Getting Windows 10 build version from Active Directory
Comments | Link

Functional 3D Printing

Soft Jaws for Knipex Pliers Wrench
Comments | Link
Printed a mouse bungee instead of buying one. Saved me $20
Comments | Link
Printed a bunch of Mini Nintendo Switch cases for my buddy
Comments | Link

Data Is Beautiful

We Read 150 Privacy Policies. They Were an Incomprehensible Disaster.
Comments | Link
Heart heart rate during proposal as I realize my plan is not happening [OC]
Comments | Link
My Great Grandmother's descendants [OC]
Comments | Link

Today I Learned (TIL)

TIL there is a radio station in New Orleans for the blind. Volunteers every day read the local newspaper on the air, along best-sellers, grocery ads, stories for kids, mysteries, the Wall Street Journal, young adult novels and much more.
Comments | Link
TIL: Nearly 3,000 euros are thrown into Rome's Trevi fountain every day, totalling over a million in the course of a year. There are regular attempts to steal the money but it is illegal to do so. The money has been used to fund a supermarket for the needy.
Comments | Link
TIL People with sensitive noses are capable of smelling when it's about to rain due to atmospheric chemicals reacting and creating ozone, which has a pungent, sweet smell.
Comments | Link

So many books, so little time

An irritating publishing trend
Comments
Anyone else read The Westing Game when they were a kid? Its one of my favorites - a terrific, warm, and exciting mystery. Here's a great article about it!
Comments | Link
Which book is being praised by seemingly everyone, but you didn't enjoy it at all?
Comments

OldSchoolCool: History's cool kids, looking fantastic

My mom and her siblings, 1969.
Comments | Link
The Texas Track Club of Abilene, circa 1964
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Brothers and I ready for the first day of school (early ‘90s).
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aviation

Boeing 727 Crash Survivability Test.
Comments | Link
My second rarest find EVER. This is an unfinished ViperJet Mk.II. I believe there are only 4 registered and airworthy ones in the world. I believe this will soon become the 5th.
Comments | Link
2004. The year I got bit by the bug.
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Reddit Pics

This White House chef is an absolute unit
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My daughter has been entirely blind since late 2017, and I snapped a photo with my phone while she and her brother weren't busy pushing each other. It looks like she's looking over at him smiling. It simultaneously melts and hurts my heart when it seems like she's intentionally looking at him.
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Telescope view of Jupiter and its Galilean moons.
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.gifs - funny, animated gifs for your viewing pleasure

Nice shot!
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Hello, Earthlings. I am an alien from the planet Sloth. I came here in a flying bucket. Take me to your plants.
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Fox boi coming at you
Comments | Link

A subreddit for cute and cuddly pictures

This puppy's face when he sees his human after a long day at daycare.
Comments | Link
Tiny dog discovers new pet cam. Must not...ATTACK!
Comments | Link
🎂31 & 13🎂
Comments | Link
submitted by DangerDylan to DangerDylanTLDR [link] [comments]

First Reddit Post, my key financial lessons of 2017

I hope this will help some of you out. It's a summary of the most important Canadian Personal Finance lessons from my research for all of 2017. Most of these are key posts from The Greater Fool Blog, which I highly recommend as a daily read.
Investing Strategy and Advice
Random Advice
· Everybody should strive to maximize their TFSAs, then ensure the money stays in there, invested in diversified growth assets like equity ETFs. Remember – a hundred bucks a week invested here for 30 years making 7% will end up being $532,000. That should yield an annual income of $32,000 without depleting the principal and without reducing your CPP or OAS payments by a single penny. So this is job one.
· After that, shovel cash into an RRSP, using the refund to contribute to the TFSA. Unless you have a defined-benefit pension (guaranteed, stable employer-funded payments), this is an excellent way to reduce tax, invest for tax-free growth then support you efficiently when some dingdong CEO destroys your employer.
· Obviously having a cash reserve for an event like this would be a great idea, but establishing a personal line of credit in advance is almost as good. It costs you nothing to set up at the bank, zero to carry and can be tapped only as you require it. Go, get one now.
· The best way to own preferreds is through an ETF, where you can hold a basket of high-qualify assets. An example would be CPD (just an example – this is not a recommendation), which pays investors a dividend yield of 4.3%, which is twice the return of a GIC and it’s still 100% liquid. But there’s more. This exchange-traded fund has increased in value (besides the dividends paid) by 12.7% in 2017 – which far outstrips the 3.8% return of the TSX in general. Since the beginning of last year (when prefs were sooo cheap) the gain in capital value has been 28%. (CPD also went on sale Wednesday after the latest Bank of Canada report. Sweet.)
· But all he need do to effectively slash his long-term interest costs is to switch from a monthly-pay to a weekly-pay mortgage. Over the course of 12 months he’ll make the equivalent of one extra payment (no big deal) and it will end up shortening his amortization by years, saving more than a variable-rate loan ever would. He just needs to ensure he gets the right kind of weekly mortgage, since some of them are bank rip-offs.
May 2017 – Current Recommended Weightings
· cash, 5%;
· corporate bond 6%;
· provincials 3%;
· short-term bond 5%;
· high-yield 3%;
· preferreds 18%;
· Cdn equity 16%;
· REITs 5%;
· US equity 21% (some hedged);
· international equity 18% (some hedged).
Investment Portfolio Breakdown - Greater Fool – September 20th 2017
· Start with the TFSA. When that’s full split money between an RRSP (to shift tax into other years) and a non-registered portfolio (to benefit from capital gains and dividends). Stick with it, max the tax-free account with pre-authorized debits from your bank account and never, ever listen to [email protected], eschewing costly mutual funds and brain-dead GICs.
· Have a balanced portfolio, with 40% in safe stuff and 60% more growth-oriented. Since rates are rising, keep the bond exposure slim (they pay nothing but reduce volatility) but have lots of rate-reset preferreds which swell along with bond yields. Carefully weight Canadian, US and international assets, taking into consideration that we’re currently on fire, Trump’s a time bomb, the US is expanding, Europe’s in recovery and nobody should bet against China. Never hold individual stocks (unless you have seven figures to invest and can achieve diversification – which requires about 60 positions).
· If you have a little money, hold three or four ETFs. If you have a lot, then 17 should be about right. And keep a small cash position, since that’s a defensive asset as well as ammo if an opportunity arises.
· So, 2% cash in a HISA, 20% in a mixture of government, corporate, provincial and high-yield bonds plus 18% in preferreds make up the safer stuff. Put 5% in REITs, then hold 16% in Canadian equities, an equal amount in US markets and 23% in internationals, for the growth portion. Rebalance once a year. Put higher-taxed stuff (bonds) in a tax shelter. Reserve the TFSA for fast growers (like emerging markets). Enjoy a 50% tax break on capital gains in your non-registered. And don’t forget about income-splitting with your squeeze, which can be done through a spousal plan or maybe a joint account.
Why TFSAs are the #1 Priority
The long-term growth, free of tax, is epic. Invest $5,500 this year, then add $100 a week for the next three decades in growth assets making 7%, and you end up with $576,338 of which $414,838 is growth. Besides tax-free compounding of investment returns, the real benefit of this thing is that it will throw off income in retirement (or anytime else) which is not counted as income. So in the example just given, forty grand a year could be earned with zero tax payable on it.
Now let’s look at two 40-year-olds who have wisely maxed their TFSAs with $52,000 in each. If they keep their accounts topped up and full of ETFs giving the same return, at 65 they’ll claim $1.26 million, of which almost nine hundred grand is taxless growth. In retirement that amount can provide an annual income of about $90,000, and these guys can still collect their CPP and OAS without having any of it clawed back (assuming no other income source). If they had $1.26 million in RRSPs, the after-tax income would be about $52,000 and they’d have a marginal tax rate of 29.65%. No contest.
For anyone with a good company pension plan, and especially for the Aristocracy Among Us with gold-plated, defined-benefit schemes (teachers, cops, retired finance ministers) investing in this vehicle is far better than feeding an RRSP. At age 71 all registered retirement plans must be partially unwound, with the income being added on top of pension payments, often boosting you into a higher tax bracket. But no matter how much is skimmed off a fat TFSA, nothing is taxed or even recorded as income.
Of course, TFSAs can be used for income-splitting, too. You can gift your spouse or your adult kids money to invest in one. None of the gains will be attributed back to you. You can withdraw money and, unlike an RRSP, put it back the following calendar year. Unused room can be carried forward indefinitely. And a tax-free account can hold almost any investment asset, so keeping a moribund high-interest savings account or a brain-dead GIC in there is a big fail.
Why Mutual Funds Suck:
S&P regularly provides its SPIVA Scorecard, which examines the performance of actively managed Canadian mutual funds versus that of their benchmarks and corrects for survivorship bias. Survivorship bias? Yes, mutual fund companies have this habit of discontinuing funds that have poor performance thus, ostensibly, wiping away that unflattering data forever. The SPIVA Scorecard attempts to account for this performance, essentially holding the mutual fund companies’ feet to the fire. The data reveals, unsurprisingly, that the vast majority of mutual funds underperform their benchmarks—with high management fees being the main reason. The table below shows their dismal long-term track record. S&P, by the way, also does a scorecard for US mutual funds with similar results.
📷
📷No doubt, there are financial advisors who have a careful and highly effective system for identifying the 9% or so of equity mutual funds that actually do outperform their benchmarks over the long term. More power to these advisors. However, what I’ve seen more often is a less rigorous due-diligence system of simply selecting the funds that are ranked highest by Morningstar, the industry’s most widely known mutual-fund evaluator. However, as a recent article by The Wall Street Journal has shown, chasing the best star ratings has its drawbacks. The Journal pointed out, after examining the performance of thousands of funds, that only 12% of 5-star-rated funds maintained this rating after five years. Basically, the Journal highlighted that the Morningstar five-star rating is not a good indicator of future outperformance.
Source: The Wall Street Journal
Here are a few things to remember. First, on mutual funds (since most people own them): fees are significant, and buried in the cost of ownership. The person selling you these animals at the bank will tell you s/he doesn’t charge anything to perform that charitable service. In reality, the funds turn out trailer fees so every month you stay invested, somebody gets paid. To Rob’s point, mutual fund fees aren’t tax-deductible. So if you own a fund with a 2.5% MER and you’re in the 40% tax bracket, that’s actually costing 3.5%. Ouch.
The same principle applies to ETFs, all of which have embedded fees which are not deductible. The big difference is the average fee across a portfolio made up of exchange-traded funds might be 0.2% – or one tenth of the cost of owning a mutual.
What about other fees and investment costs?
Management fees, charged by fee-based advisors, are 100% deductible from taxable income on non-registered accounts. With RRSPs, the money taken to pay an advisor is not counted as taxable income. That means you got a tax break for putting that in, but there’s no tax when it exits – so the government is also subsidizing you. Fees on TFSAs, however, are non-deductible. Somebody in the top tax bracket, then, with accounts run by a professional offering tax advice and portfolio management who charges 1% will end up paying closer to 0.6% – while the poor single Mom with a few grand in the bank’s funds will shell out 2.6%. Unfair? You bet. But that’s the law.
So, fees are deductible. Commissions are not. MERs are embedded, invisible and can kill returns. If you remember just those three facts, they’ll serve you well.
More on Mutual Funds – Dec 11 2017
What’s a mutual fund? It’s a pot of money made up of contributions from many investors that a manager then uses to buy stuff. Like stocks or corporate and government bonds. Managers charge big money to do this job (they have Porsches, too) which is charged back to the investors, and in return try to add ‘alpha’. That’s financial speak for ‘special sauce’, which means they attempt to get better returns than you’d achieve just buying the same assets and holding them. In doing this job they buy and sell frequently, often generating capital gains taxes, which the unitholders also pay.
Trouble is, most of these cowboys fail.
Last year, for example, the number of Canadian mutual funds which focus on US stocks and which outperformed the index was… zero. Nada. Donuts. Not one. In the States almost 70% of fund managers investing in large-cap stocks failed to match the index and yet charged big bucks to do so. Over the last 15 years, the failure rate among managers is 90%.
Ouch. Makes you wonder what you’re paying for. What also hurts is that the fees these non-alpha dudes charge are buried within the funds themselves, unseen by investors who cannot even deduct them from any gains they might make for tax purposes. Meanwhile the so-called advisors who collect the trailer fees from selling funds do not actually engage in any investing themselves and often collect an extra upfront fee for selling them to folks, or create a seven-year mutual-fund prison that penalizes anyone trying to get out.
Difference between Mutual Funds and ETFs
Simple. ETFs are like Teslas – they drive themselves. There is no manager, so there’s no fat management fee for investors to pay. They don’t compensate some fancy guy to try and beat the market, then have to explain why he didn’t. They just pace the market itself. What the S&P 500 does this year, for example (up 18.4%), is what an ETF holding those 500 companies does. Plus, they’re traded on the stock market, which means you can buy or sell with the click of a mouse and get instant liquidity. Try doing that with a mutual fund (you can’t). In fact, most funds have the ability to halt redemptions, so if a crisis emerged you might not be able to sell when you wanted (just like Bitcoin).
ETFs are not free, however. Across a balanced portfolio you can expect to pay an embedded cost of about 0.2% – which is a hell of a lot cheaper than 2.0%.
Now, mutual fund salesguys, for obvious reasons, hate it when they hear such talk. And being in sales, they are daunting adversaries, able to woe naive investors with tales of giant, throbbing Alpha and heaving bosoms. (I may have exaggerated there.)
Jane, in fact, encountered exactly this schtick after she told her mutual fund guy she was leaving to embrace ETFs.
“I talked to him today for the formal “thank you and best of luck” nicety and needless to say he thinks I’m making a huge mistake. I feel quite defenceless when it comes to talking to financial advisors. My boyfriend tried to do his best to help explain it and then reverted to “Ask Garth.” For ease I will just lay out what was said by mutual fund guy in bullet form and hopefully you can help me out
“Can you shed some light on this for me? My mutual fund guy did make me feel a touch uneasy. I would appreciate the insight just for building my own knowledge and confidence.”
You betcha, Janey. ETFs are cheaper because they don’t come attached to some Bay Street smartie with three kids in private school. They are pure reflections of a transparent market. The rate of return for nine out of ten has been higher than an actively-managed mutual fund, at a fraction of the cost. Fee-based advisors (who should collect a fee of no more than 1%) actually build and manage client portfolios. They all shop at Costco and recycle their socks.
ETFs for old people? Did he mention dwarfs?
As for the 2008-9 crisis, a balanced ETF portfolio declined 20% while the stock market slid 55%. It recovered all lost ground in a year, then advanced 17%. It’s not the structure of the asset that is owned (active or passive fund), but the weightings between various asset classes that will protect you in declines. You can be as conservative or aggressive as you want with either kind of funds. But if you like paying more for less, mutuals are for you. (He was really zooming you on that one.)
The benefit of Bonds in a Portfolio
Bonds help reduce volatility
One common way to measure volatility is using standard deviation, which measures the variability of returns around the long-term average – the higher the number the higher the volatility. Over the last 10 years, the TSX has exhibited price volatility of 14.1%, meaning that TSX returns have been 14.1% above/below the long-term average return over the last 10 years. Volatility (standard deviation) has been 11.4% for the S&P 500 over this period. And for the average Canadian balanced portfolio, the standard deviation has been much lower at 8.3%. So, we prefer balanced portfolios to an all-equity portfolio since the ride is much smoother and with more consistent yearly returns.

📷Volatility of Different Investments

The other important reason we like balanced portfolios is because bonds often zig when equities zag. This dynamic is why a balanced portfolio exhibits lower volatility.
In good economic times corporate profits rise and investors feel more optimistic about the outlook that they are willing to pay higher multiples (e.g., P/Es) for stocks. This combination of rising corporate profits and valuations pushes stock prices higher.
Central banks in turn tighten monetary policy by hiking interest rates. This helps to push bond prices lower (prices move inversely with yields). So stocks go up and bond prices go down, generally, in a strong economy.
📷Conversely, in a weak economy stocks typically decline and central banks lower interest rates to help spur growth which leads to higher bond prices. Again, bonds zig when equities zag. This is perfectly captured in the chart below which shows the relative performance of Canadian bonds and the TSX. Note how bonds will outperform stocks over certain periods (in green) and underperform stocks in other periods (in red). This chart captures the essence of why a solidly constructed and well-managed balanced portfolio works!

Bonds/Equities Out/Underperform Over Time

Finally, how should investors structure their bond holdings in this rising interest rate environment?
First is to focus on lower duration bonds. Duration measures a bond’s price sensitivity to changing interest rates. If a bond (or in our case a bond ETF) has a duration of 8, it means the bond will decline approximately 8% for every 1% increase in interest rates, or rise 8% for every 1% decrease in rates; the higher the duration the higher the price sensitivity to rising rates.
Given our view that rates are going to continue to slowly rise, we are positioning our balanced portfolio with lower duration bond ETFs so as to minimize the impact of rising rates. Later when interest rates are higher we’ll look to reverse this call and shift into higher duration/yielding bond ETFs.
The other key strategy for bonds in a rising rate environment is to overweight corporate bonds versus government bonds.
With the Fed and BoC now hiking rates, government bond yields are moving up and prices lower. This of course weighs on all bonds but corporate bonds tend to outperform when rates rise. This happens for a few reasons. First corporate bonds offer higher coupons (yields), which help lower the duration relative to lower yielding government bonds. Second, because investors are feeling more optimistic about the economy and financial markets they are more willing to buy corporate bonds, which pushes up their prices relative to government bonds resulting in compression of the yield spread over government bonds.
Below is a chart comparing US investment grade corporate bond yields to comparable US government bond yields. Currently with US corporate bonds yielding 4.25% and US government bonds yielding 2.35%, this results in a “spread” of 190 bps. As the economy picks up this spread compresses which results in corporate bonds outperforming government bonds. We believe this spread could compress a bit further resulting in additional outperformance from corporate bonds. We’ll look to reverse this trade as we start to believe the economy is rolling over.

US Credit Spreads

📷We get it. In a raging bull market like we’ve been in for some years, bonds can be disappointing and cause us to deviate away from a balanced portfolio, focusing more on equities. But as we’ve shown, the benefits of including bonds in a portfolio are to reduce volatility and provide more consistent returns. And we’re not always going to be in a bull market so you’ll need protection against this inevitability. I feel confident that our client will call me up to thank me for our recent portfolio adjustments, likely when that dreaded bear market rears its ugly head. How are you positioned for this eventuality?
Well, here are ten of my fav ways to reduce your tax bill thanks to two simple words – income-splitting (as opposed to sprinkling).
10 Ways to Reduce your Tax – Oct 29
  1. Do you and your squeeze both work? If one earns more than the other, have the chief breadwinner pay all of the regular expenses – mortgage, rent, food, daycare, weed, insurance, booze, clothes, rehab. Make the lesser-monied spouse the chief investor in the family, so the returns (capital gains, dividends, interest) will be taxed at a lower rate.
  2. Ditto for registered retirement savings. If you earn considerably more than s/he does, or have a defined-benefit pension, use up all your RRSP room for a spousal plan. You write the contribution off your higher taxed income while your spouse gains control of the money. After three years it can be withdrawn at their lower rate – so you’ve just sprinkled!
  3. Here’s another one, if there’s an income disparity between you: loan your less-taxed spouse a bunch of money for investment purposes. S/he puts it into a nice little non-registered account and starts collecting dividends and earning capital gains in a tax-efficient way. Even though it’s your money, none of that income is attributed back to you – so long as this is set up as a loan at the CRA’s prescribed rate of interest which is, believe it or not, just 1%. Interest must be paid annually by the end of January but all of that is tax-deductible. Yes, your spouse can write it off the investment returns. This works for kids over 18, too. More sprinkling!
  4. Also with income-splitting: if you are a wrinkly collecting CPP (everybody should start taking it at 60, no exceptions), this can also be split with your less-taxed spouse.
  5. If you didn’t listen to the advice on this blog, bought individual equities and were handed your rear end by Mr. Market, sell those dogs before Christmas in order to realize a capital loss which can be used to reduce taxes on capital gains. Losses can be used to neutralize gains not only in the current tax year, but going back three more years. This can help you recover taxes that you paid as far back as 2014.
  6. You can also take crap assets that dropped in value and dump them on your kid. Another great reason to have children! Investments can be transferred to a minor child and that will also trigger a tax loss in your hands which can be used to offset gains. Now your spawn has an asset that, when it recovers in value, will be essentially tax-free with none of the gain attributed back to you.
  7. Fill up your TFSA, obviously. Also that of your spouse. And your kids over the age of 18. Gift money to all of them with no gains TFSAs attributed back to you. Remember, $5,500 a year for 35 years earning 7% will result in $819,000, of which more than six hundred grand is compound growth. So ensure these are not savings accounts, but investment accounts – no GICs, HISAs or other dorky stuff. Also when you retire, a $819,000 TFSA will give you about $50,000 a year in taxless income which will not reduce your CPP or OAS by one cent.
  8. If you’re 71 and have to convert an RRSP to a RRIF, be thankful you robbed the cradle and married a babe younger than you. Your mandatory retirement fund withdrawals can be based on the age of your spouse, keeping them to a minimum and allowing your nest egg to grow larger, longer.
  9. Obviously put money into a RESP for your kids. The feds will give you an automatic grant equal to 20% – so for a $2,500 contribution you receive $500, up to a lifetime total of $7,200. Free money. Duh. Why would you not do this? If your kid grows up to be a rock star or a high-net-worth, Mercedes-driving plumber you can fold much of the RESP money into your RRSP. Remember to buy growth assets. Establish a family plan for multiple kids, not separate ones. And, for God’s sake, avoid the RESP-flogging baby vultures that skulk around hospitals. Go self-directed.
10.And, yes, use RRSPs. They’re still the best tax-shifting vehicle around, allowing you to write off up to $25,000 in taxable income a year. You can borrow money cheap to contribute, then use the refund to pay much of it back. Or open a plan, shift in assets you already own, and get paid money by Bill Morneau for selling yourself stuff you already own. That should make his head all splody.
Legal aspects of selling a house
If you’re selling a house – with more market declines ahead thanks to the new stress test – make damn sure the deal is solid. No long close. A mother of a deposit (ask for 10%). No buyer visits prior to closing. Deposit held in your lawyer’s trust account, not that of the listing broker. No condition on the buyer finding ‘satisfactory’ financing. And a clause giving you a day or two for legal approval of the offer.
Also do something radical – find out who the buyer is before you enter into a contract with them. Job? Circumstances? Background? Can they afford it? After all, you’d never rent your cheapo condo to someone without a credit application, references, credit check and income/employment verification. Why sell a $1.5 million house to a stranger and make huge life changes based on a closing months away that may never happen?
HELOC & Risk Investment Strategy – August 7th
So he wrote me with an idea and a question:
I’m curious to know if you’d recommend pulling out 100k in equity in a house NOT to buy a rental house but to invest in a diversified portfolio and hopefully make a 6% to 8% yearly return only to turn around and put it back down onto the mortgage to pay it off faster? I’ve been contemplating on things to do to pay down the mortgage and create some income, no good having this equity just sitting here when it can be working for us! Seems starting a corporation is out of the question now thanks to T2 and his finance guru.
Given that real estate’s fat days are behind us but debt isn’t going anywhere, does this make sense? Maybe. Let’s roll it around.
Millions of people have, collectively, billions in real estate equity. When house prices stop going up, this becomes dead money. The only value you can really ascribe is what it might save you in equivalent rent. For example, a $1.5 million house can normally be rented for $3,000 a month. The family with a $500,000 mortgage and $1 million in equity is spending $2,400 (monthly) on the mortgage plus about $600 in property tax, insurance and utilities (water, sewer) that renters never pay. So they ‘own’ a home for the same monthly outlay as the family who rents it.
But they have put down $1 million to live there. If that were conservatively invested, and returned 6% annually, it’s $5,000 a month. So the house actually costs $8,000, and could yield a non-deductible capital loss as easily as a non-taxable capital gain.
In other words, in a declining, flat, comatose or normal housing market, the cost of ownership when real estate has climbed to these levels is insane. Renters who invest win, ten times out of ten. If interest rates creep up and mortgages renew higher, the economics of owning get worse. In the current environment, a lot of people have to be asking themselves – like Kevin – if there isn’t some way to use that dead equity which is no longer supporting a rising asset.
Yes, a HELOC is one way of unleashing equity. It’s a line of credit secured by real estate, which means the debt is registered against the property but also that it comes with a preferential rate of interest. That’s normally prime + 0.5%. These days that equates to 3.45% (and it may rise to 3.7% in October). The line’s rate is almost always variable, so it will increase along with the bank prime. And HELOCs are demand loans. If real estate prices truly collapsed or another credit crisis hit, the bank could ask you for the money back in, oh, 30 days.
The good news is all of the interest is deductible from your taxable income if the money is used to generate more money. Yup, that could be real estate paying you rent or (wiser) a balanced and diversified portfolio of financial assets. So, if you earn $120,000 and live in BC, for example, you effectively reduce the loan interest rate by 41%. Now the HELOC costs you just 2%.
Given that well-managed, non-cowboy, globally-balanced and diversified ETF portfolios have pumped out an average of 6.5% over the last seven years (two of which were market stinkers), this mean a spread in the 4% range. Last time I checked, that was better than the 0% home equity is currently paying.
So to Kev’s question. If he borrowed $100,000 on a HELOC and invested it for a 7% return, then used the cash flow generated ($7,000) to pay down his existing mortgage faster, would it make sense? Well, interest-only payments on the line would cost $3,450, but he’d reduce his income tax by $1,400 (if he earns enough). So he’s up five grand. That’s cool – it can be used as a pre-payment on the amortized mortgage. But wait. Kevin now owes another $100,000. But wait again. He has a $100,000 liquid investment portfolio.
By removing equity and borrowing, the Harley dude has (a) diversified his net worth, (b) reduced his income tax bill and (c) accelerated the mortgage payments, saving a whack of interest.
This is not a slam-dunk strategy for everyone. If rates rise and the payments get hard to make, you lose. If the world goes to crap and the loan is called, you lose. If your house craters and the bank finds out, you lose. If your job fades, you lose. If you invest in the wrong stuff (like gold, bitcoins, weed stock or junior oil & gas), you lose. If the feds drop the hammer on HELOCs again, you lose.
Debt is debt. The world’s soaked in it. Most people would be unwise to shoulder more.
The best strategy, history will show, is to trash debt by selling high. This is high.
Complex home buying tax strategy, courtesy of Derek Holt – the chief economist at Scotiabank
· Make a $19.2k RRSP contribution just three months in advance of buying a home… • …assuming a 30% tax rate, deposit $6k tax refund back into RRSP… • …then withdraw the allowed $25k maximum under the HomeBuyers’ • …to be repaid to the RRSP in equal installments over 15 years starting 2 years after withdrawal with no interest penalty and the payments are not counted in mortgage serviceability calculations… • …at, say, a 4% rate of interest, this equals $8k in interest savings over 15yrs… • …which means the initial $19.2k RRSP deposit has been parlayed into an effective down payment of about $33k, or an extra 70%+ • No restrictions on the source of the original RRSP deposit (can borrow for it, ‘gift’, etc). • ie: the zero-down mortgage can still theoretically exist • If a couple, and both are first time homebuyers, double all of the math above (ie: turn $38k from liberally allowed sources into a $65k down payment)
· If a major bank’s showing clients how to take $38,000 and game it into $65,000 through exploiting the system, it might indicate we’ve all hit a tax wall. And this is even before T2 Hoovers out the savings of small business operators, vets, docs and the local John Deere dealership.
submitted by Pugeroni to PersonalFinanceCanada [link] [comments]

#liqnet

If you are reading this post, very likely you have at least some idea about crypto currencies. If not, well it is way too complicated to explain this issue here. There are dozens of forums and articles, where eggheads and just average people tries to figure out the phenomenon of Bitcoin, Ethereum, Ripple and other currencies, which prices are day by day closer to the moon (despite of time when they are falling like shot airplane like last couple weeks). So if you want to fulfill gap of your knowledge, check more specialized sites like bitcointalk.com and etc. Just please put the great attention on key words like: ‘ICO’, ‘Bounty’, ‘KYC’ and of course main slogan which attract millions of people to crypto currencies ‘rocket to the moon’. If you already did your homework, I can explain you the reason why I am writing this post.
ICO market is nowadays pretty similar to the Wild West during the gold rush period. It is possible to earn money very quickly, sometimes even good money, but you have to find a perfect spot, or in this case, a good project to invest. Common thing to the Wild West? No guaranties and almost no law. It is pretty easy to find bad cowboys which are going to promise you golden mountains to steal your last piece of bread. So in all this mess, if you want to find your gold nugget, you can trust just your own brain composites.
So did I and during my research I found the project in which I really put my faith: LIQNET. Very likely you haven’t heard about them, project is made by great team members. Nevertheless, guys have an advantage, many other teams does not: already existing product made on a very perspective field. But these are not all pluses I found in this project. Below you can read the analysis and decide on your own, do you want to send some pennies to the pot. The analysis I will present consists of parts, and each of them shows this project from different angle. So, let’s go! ABOUT LIQNET
LIQNET is a cryptoexchange that aggregates liquidity from various platforms thus solving the problem of the splitting of users and their trading orders by forming a unified order book with the best market depth and prices.
LIQNET was announced on April 24, 2018. The company is expecting to launch a token sale in May or June 2018.
That being said, LIQNET is a crypto exchange, that allows to unite liquidity from different platforms and solve the problem of scattered users by bringing users and their trading requests and orders to one trading platform, thus forming a unified order book with better market depth and better prices for private persons and legal entities from various jurisdictions. LIQNET aims to create a unique and reliable exchange that will merge liquidity from competing platforms and solve the problem of industry fragmentation.
The Goals of LIQNET Platform is to sell or buy from many cryptocurrency exchanges located anywhere in the world and form a unified order book and also to connect an API of a platform to the automated trading system. What makes the LIQNET exchange unique is the LEN (Liquidity Exchange Network) tool, which allows to colect and combine orders of our exchange’s clients and orders from third-party platforms into a single order package and make them available for trading by all LIQNET’s clients.
LIQNET, discovered online at LIQNET.com, accumulates liquidity from different exchanges and enables traders to get to this liquidity through a solitary dashboard. You can exploit arbitrage openings between exchanges. Or on the other hand, you can essentially utilize LIQNET to get to greater liquidity.
FEATURES AND BENEFITS
No Slippage – High liquidity allows users to reduce or fully eliminate the costs of slippage.
Expenses Reduction – The higher the market liquidity is, the smaller the bid/ask spread will be, which thereby lowers the cost of trading.
Trust – LIQNET’s liquidity “reflects the presence of a mass of people whose actions are much easier to predict that the actions of a single person,” explains the official website, which means that a single entity can’t dominate the trading market.
Decentralization – LIQNET claims to be built on a decentralized system because their physical hardware is located in two different data centers, including centers in France and Canada. This isn’t what we typically mean by “decentralization”, although we understand what LIQNET is getting at.
Security – LIQNET holds customers’ funds in multiple locations, including hot wallets, multi-signature wallets, and cryptocurrency exchanges. This reduces the risk of theft.
Multiple Trading Options – LIQNET supports direct trading from the financial chart and scalping trades (including post limit and stop orders right from the order book).
Multiple Order Types – LIQNET supports stop order trades, stop limit trades, TP & SL trades, trailing stop trades, Iceberg, IFD, OCO, IFDOCO, valid till day/time trades, AON, IOC, and FOK trades.
Financial Charts – LIQNET provides a suite of analysis tools. Users can also customize their dashboard with 100+ different trading indicators.
Multiple Currency Pairs – Right now, LIQNET lists just four cryptocurrency pairs, including LTC/BTC, ETH/BTC, BCH/BTC, and PPC/BTC. However, they allow users to deposit more currencies, including Bitcoin, Litecoin, USD, Ethereum, Bitcoin Cash, DASH, and Peercoin (PPC).
LEN technology
The LIQNET platform also maintain the technological system for providing the best opportunity. They also provide three essential services to the users of this platform. There is also data collector system on the LIQNET platform. There are physical server 1, 2, as well as physical Node, are also connected to this system. Each Node is privet cloud as well as runs for few servers. On the other hand, they include an automated trading system on this platform.
Why LIQNET Is With LEN Technology?
The unique feature of LIQNET is LEN tool with makes it different from all other crypto exchanging platforms. The LEN (Liquidity Exchange Network) tool makes exchanges unique. This mechanism allows collecting and aggregating buy/sell orders through APIs of 1,2,3,4,5,6,7,8,9…n exchanges located anywhere in the world and forming them into a single order book. this makes the user benefited from getting many orders in a single place. Through this single order book, clients have a access to look up orders of the LIQNET platform as well as from other platforms. Due to getting large numbers of options clients find a liquidity.
Using the LEN tool LIQNET gets a unique system for clients which allows them to have more liquidity in the crypto exchanging system through the single unified order book. LIQNET has some amazing features for clients which would allow clients to get some more attractive privilege form LIQNET. Here are some special features of LIQNET for clients:
The LEN Mechanism: The LEN mechanism makes the LIQNET more unique and client free. This collects orders from clients and as well as from third-party platform and make a unified order book which enables the client to enjoy, more liquidity in crypto exchanging. 2.ICO with a Finished Project: The trading is accessed through a unique professional web terminal that comprises:
A graph with a multitude of tools for technical analysis.
All types of orders and their execution policies.
Tools for scalping trading, market making.
No Slippage: High liquidity allows users to reduce or fully eliminate the costs of slippage. 4.Decentralization: LIQNET is based on a decentralized system which saves the time of their clients in exchanging cryptocurrencies with real-time exchanging experience.
5.Multiple Trading And Multi orders Options: LIQNET allows clients multi trading and multi orders options with its own LEN tool.
submitted by Sl1mXgod to u/Sl1mXgod [link] [comments]

[WTS] Generics for the Ante Up! Pot

The package has been shipped! I cannot take any more entries. Thanks everybody!
Proof: http://i.imgur.com/LxwxvW3.jpg
Ante Up! Se7en is here! To make it easier for some participants, especially those located in Canada or elsewhere, I will be selling some of my generic silver so that it can go directly into the pot. All you have to do is send me $17.50 $17.25* per troy ounce, and I'll mail your entry to zuizide.
Here are the details:
  • You purchase up to three troy ounces, sending money to me either through Paypal Friends & Family, Google Wallet, Paypal Goods + 3%, or Bitcoin.
  • Once you've made your purchase, I will notify zuizide of your purchase. You will need to notify him as well, indicating your spot guess(es).
  • On Wednesday, July 22nd, I will mail out the Ante Up! package to zuizide. If fewer than 7 troy ounces are purchased, it will go through First Class mail. If 7 or more troy ounces are purchased, it will be mailed through Priority 3-day shipping.
Let's make this Ante Up! the largest pot to date!
*Updated price due to the drop in spot!
submitted by AgnAustic to Pmsforsale [link] [comments]

How I descended into drug dealing lifestyle making 97.50% profit margin at the age of 17. M/18/AUSTRALIA

When I was 16, I had just starting hearing about TOR and the Silk Road, I didn't know much about it and I never got involved with things like this before.
But first let me give you a little bit of information on myself.
Ever since I was younger I was obsessed with making money, I was always coming up with new schemes and scams to make money.
When I was in grade 6, I made money by selling condoms to all the try hard tough kids in the grade above me that were too chicken shit to go get their own.
In year 7 I found an iPhone, disabled it's tracking capabilities and set up a dating profile with a not so well known dating app that didn't cost a cent.
The scam was simple, I made a fake profile of chick, grabbed a few pictures off Google images and started messaging creepy old men, proposing if they sent my iTunes card codes in exchange I would send them nudes. They got their nudes, and I got my music.
It was simple, I worked out how to download music the next year but by that time I no longer had that phone.
Anyway, back on track. When I was 16 I discovered TOR and the Silk Road.
In case you don't know what either is, I'll give you a really quick summary.
TOR is short for "The onion router" an internet browser offering heavy duty security that, if set up correctly provides anonymity.
Think of 'WWW' as a network, it's not the only one, TOR is the same, websites designed for TOR can only be viewed via TOR, however you can still look at normal links.
The Silk Road was an online black market where mostly drugs where sold, shipped and delivered to your doorstep, all thanks to the crypto-currency 'Bitcoin' (Google it).
Alright, moving on. I was brought up in a middle lower class home. Both my parents didn't smoke, and the most they did was have a glass of wine at dinner.
I smoked cigarettes on and off during my youth, never for very long.
In Grade 11 was when I really got into them, it was...let's say a cheap and affordable habit.
Let me mention I live in Australia, and you normally pay $15-$25 for a pack of smokes.
Thanks to the Silk Road I started importing cigarettes from both Moldova and Ukraine. I paid $50 (including multiple currency exchange rate losses) and I got 10 packs of smokes. I sold half of them for $15 each, smoked the other half.
By the end of the day, I had 5 packs of smokes, and $75. $50 of that money went into the next carton of smokes I was ordering and then I had $25 left over.
I did that for a while, I had quite a lot of people buying smokes off me, and I was accumulating more than I could smoke, I often found myself giving away free packets of cigarettes, to both friends and unsuspecting strangers. It made me feel good, as if I had all the cards in my hands.
I loved feeling generous, but at the same time I made sure people didn't try to use me to get things for free or cheap, I was aware of those trying to do so.
I felt superior, I had what people wanted and they came to me over their tobacconists and supermarkets. Made me feel better than the people running the businesses.
After a while things caught up to me. And I had 2 thousand dollars worth of cigarettes stopped in customs. My dead drop exploded with tax notices.
But I had been careful enough for this not to be traced back to me.
It was a shock to me, I hadn't encountered this before. I had to think of a way to get around it.
It was around this time when I started to smoke cannabis, I loved it. I learnt that it wasn't the deadly life destroying, reefer that had been imprinted into our heads by last generations propaganda. But buying and selling pot was a slow way to make money, but my interest in other drugs was slowly getting bigger.
I settled on a fairly new drug called 25-I NBOMe. More commonly refereed to by the media as "Synthetic LSD" This is where I started to make money. Australia is one of the most expensive places to buy drugs in the world. Mostly because where on a island with perhaps the worlds best customs.
If I had lived in America or Canada or wherever, then I wouldn't of made this much. But I didn't and that's why I did.
I bought 100 tabs of NBOMe, and the highest quality I had ever seen (At those times) 1200ug blotters, the typical stuff was normally half that.
I bought 100 tabs for about $50
I sold each individual tab for $20.
I wasn't just selling drugs, I was running a service, they weren't just customers, they were clients. If at any time they had any questions they were more than welcome to shoot a text my way and I replied shortly after.
If they had questions on how to do it right, or what not to do all they had to do was ask.
This was fairly rare, because as soon as they bought the product off me I sent a message to their phone with detailed instructions.
My clients liked me, I had some pretty good conversations with some. And everybody seemed to like the service I was offering. Which meant I keep getting repeat business.
Not everybody was a polite and professional as me. My 2nd or 3rd day I was meeting this guy in public, in a car park. It was meant to be simple, I walked up, sold them the stuff, they gave me money and drove off.
I always handed them the gear first, never asked for the money beforehand. If I lost a few tabs so be it, they were worth a couple of bucks out of my hands. But IN my hands, they were worth a lot more, I was turning $50 notes into $2000, I was spending as fast as I was earning, never saved any, I was too busy wrapped up in my own little world, I didn't buy fancy things, I didn't want to explain to people how I was off so well when I had never even had a job in my life. I spent money on basic things, like buying lunch for myself and friends almost every day. I was having the time of my life.
Anyway, this dude turned up in this filthy 4x4 Nissan patrol. I was always careful about the cars I went up to, scouted them out first to make sure they weren't cops. Nobody suspected me of anything, I just looked like a kid walking down the street staring blankly into my phone like every other teenager, that was another reason people liked me so much, they expected me to be some huge scary looking ice-head motherfucker.
He took the drugs, got out of his car, grabbed me by the neck I said if they weren't real he'd come back to break my legs.
Another time, this guy was SPECIFICALLY asking to meet in the public toilets, inside them. I told him we would meet behind it instead. Anyway, when I get there this mid 20ies guy with a potbelly sticking out of his shirt, he wasn't even a big guy. Anyway he's like "Hey man, let's do it in there" and he turned around and walked in before I could say anything, I followed him and I swear to god I was going to get stabbed and raped. But turns out the guy was just super nervous, either that or he decided I wasn't to his rape taste. He even gave me some shrooms, and offered up a contact for a guy who supplied shrooms, I declined and regretted it later down the track.
People started to tell me more and more about how they thought I was going to be rich and successful, nobody could ever pinpoint what they thought I was going to do, but everybody just thought I was going to be rich and famous. And after awhile I starting thinking the same too.
This time one of my friends called me, he said he had a mate who wanted to buy $800 worth of tabs (I was already giving them a bulk discount from $1200)
Anyway, I rock up there an it was all sus and shit, and my mate came up to the car and I said where the money and he's all like "they think your going to take it and drive off, just come over on the oval.
It was stupid I know, We walked a little to an oval to this guy and I'm like hey and he just said "I'm not the guy and gestured to a few people sitting over on some logs.
I walked over, and suddenly one of they guys jumped up and grabbed me and held a knife to me. "Gimme the drugs" I handed it over, it wasn't worth getting stabbed and bleed out to death over some drugs".
It had been a set up the whole time, so called friend had betrayed me for drugs.
I let word get around that I would pay good money to see that pathetic little shit have a taste of his own medicine, I offered a contract on him, I wanted to look the little shit in the eyes before I had him held down and force fed the very same drugs he betrayed me for, the way I saw it, it would of been justice, if he wanted free drugs, he could have them. It wasn't that I was bothered about the drugs, I could of gotten more with another $50, it was the fact that this was somebody I considered to be a friend, who betrayed me for drugs, it was the disrespect from this traitorous scumbag.
I would of had him beaten and broken , but in the end what would of been the point. Forgive, but never forget I suppose.
One night I was sitting alone and figured I would do some tripping, so I got out some of my product and dropped 2/3 of a tab.
I sat down at my computer and watched some Aqua Teen Hunger Force.
I was having fun so I decided to have some more, I dropped another half tab.
It was a mistake.
I overdosed/trainwrecked, I would never wish it upon anybody. Burning in hell eternally would of been better. I lost my memory temporally during the overdose I couldn't remember my name or anything about my life, I could remember how to sleep, I was on the floor having seizures, clawing at my skin. I was begging and praying to god to just kill me...Did I mention I'm a hardcore atheist.
I don't know how I survived that night, but somehow I did. The next day I quit smoking, I had 1 cigarette about a month later and I only had a few draws before I stomped it out and spat out the foul taste.
I stopped any drugs except pot after that, which I used medicinally for ADHD, and insomnia. I quit dealing completely, I sold a few to some close friends a while later, but that's because I knew them and they were trustworthy, and because I wanted to sell the last of my product and be done with it.
I later discovered I had what most people commonly mistakenly call APB (Antisocial personality disorder) but the majority of the population knows as as sociopaths.
It's quite hard to explain, but it doesn't bother me, I'm confident, I know how to get what I want, and I like to consider myself exceptionally good at manipulation which has proved to be an invulnerable tool in life.
When I Overdosed I experienced something called an ego death, and I like to think about it like this, it's as if your brain is restarted, because that's EXACTLY what it was for me, I forgot everything about my life, my name, my friends, it didn't feel like my body, it felt as if I was watching myself, but I was still there.
I remembered everything in the morning, my entire life and the night before, and I felt different. It FELT to me as a 2nd chance to reshape who I was, I might not of been able to do is physically, but I could mentally.
I SHAPED myself in to the person I am today, anything you want to do inside your mind, it's just mind over matter, I wasn't pretending to be somebody it was not, I was becoming the person I wanted to be.
Money is always on my mind, I'm smoke a fair amount of pot, both by myself and with friends and pretty much every time I get high I get ideas, it really depends on my mood set. And most of these are normal stoner ideas, and are pretty stupid (I Once said we could start a business where everybody could trade their coins for notes eg. $100 worth in coins in exchange for $75 cash.
And my mate just look at me and and said, it's called a bank. I felt pretty stupid. I won't go through my good ideas here because they haven't been done and I'm pretty sure I could get good money down the track.
After the ego death, things just made sense to me, just everything. The universe mostly, I just feel like I have a much greater connection, I no longer fear death, (No in a crazy way) When I OD'd and had my ego death, it was if I died.
I could go on for hours on my philosophical ideas, and if your in to that stuff, we would probably get along. :)
I no longer sell any types of drugs, and I would never condone it, to whomever may be reading this it is not a confession of guilt, you may not use it as evidence in a court of law.
There is so much more I would of loved to include in this, so please ask ANY questions, as I would love to answer any of them and I will answer anything :)
submitted by Hammerfell3000 to lifeinapost [link] [comments]

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Shark Tank's Kevin O'Leary Talks Marijuana Money

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