Forex el dovio: E T Binary Options Limited Liability

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

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

Binary Options Recovery: Scammed Traders, Fake Brokers, and Funds Recovery
Following the “permanent temporary” measures against binary options and CFDs (contract for difference), the body in charge implements its own set of limitations that simply forbids regulated houses to offer such product in the UK, hence increasing the risk of pushing retails traders towards illegal brokers and outright scams. Fortunately, a new solution is now available to UK traders via a new United Kingdom Financial regulatory ruling.
More scrutiny from UK banks about financial transactions, even to binary optionsIn short, banks will have to take more responsibility about the financial transactions they facilitate. This new ruling should lead to the creation of a new code of conduct that will help defrauded people to have their funds recovered by their bank, unless it is proven they acted recklessly.
As a popular Financial blog puts, it, “It is likely that should a bank or credit card company be either impersonated by a fraudster in order to gain money, or trick a client into depositing, and the bank allows the transfer, a client will be able to take recourse.
The broad protection should kick for many online scheme and scams, whether it is fake investment companies, fraudulent binary options brokers or those scammers who promise to help you recover your stolen funds…only to steal from you once again. On the other hands, it means the banks will be more likely to forbid transactions to legit businesses, such as reputable cryptocurrency exchanges or honest smart options platforms.
The regulating bodies and financial institutions are taking a number of measures to prevent financial fraud. Binary options trading, in particular, is being controlled with a greater degree of robustness to protect the unwary general public being drawn into a situation where they suffer financial losses. Many hundreds of people around the world are targeted each day.
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Frequently they are novice investors who are unfamiliar with the markets and do not recognize that the so-called trading platform and its way of working are actually bogus. The individual only realizes the extent of the fraud when eventually when the fraudsters finally decide that there is no more money to be had and shut down the account and promptly vanish without trace.
Spotting Fraudulent Binary Options Broker
Some lawyers in the financial fraud division are very familiar with the pattern of behaviour demonstrated by the fraudulent brokers and the distress caused by their dealings with inexperienced investors. There is a track of record of recovery in relation to financial fraud and has a number of strategies and tactics to compel the fraudulent broker or associated financial service providers to restore funds to those who have been deceived.
Needless to say, the fraudsters are accomplished at hiding their tracks and frequently there are myriad inter-connected limited liability companies, often some are registered in different countries, with some dormant and some active. It is hardly surprising if the complexity of the situation results in a failure to discover a single person who can be challenged and held accountable.
However, there are various channels financial fraud lawyers use when attempting to retrieve money for clients and each avenue is investigated. Whilst an individual may be alarmed and confused at the prospect of navigating through the complex structures that have been deliberately set up to confuse, Financial fraud lawyers are usually quite familiar with strategies fraudsters use, and frequently can steer a course to the recovery of some or all of the lost money.
https://preview.redd.it/daa505b3ecf51.jpg?width=600&format=pjpg&auto=webp&s=b27aa7697b0bf1afbd238964166ce40c693db2e3
The step of last resort, legal action, is understandably daunting for a person who often has lost significant amounts of money to the fraudulent brokers. It is fully understandable that such a situation will leave the victim decidedly risk-averse. There have been experiences with class actions against the fraudulent brokers and has developed links with litigation funding organizations in order to offset the risk in respect of class actions.
The lessons that can be drawn from the experiences of those individuals who have had the misfortune of losing their investments to fraudsters are to be extremely cautious. Always consider every offer or investment for at least 48 hours before making a decision, a genuine broker will understand the caution that a new investor will view a proposition.
All investments carry a risk and anything that promises a return on your initial investment seems to be significantly higher than normal it is almost certainly not to be trusted. Do not allow yourself to be hurried into a decision, it is highly unlikely that an authentic broker would try to rush you into an investment, especially if you demonstrated reluctance; their reputation would suffer by such behaviour.
You can now recover all money lost to bitcoin, binary options, cryptocurrency, investment, scam by hiring any one of these Verified Wealth Recovery Experts.
To recover money lost to binary options, forex, bitcoins, cryptocurrency, and investment, get all the information you need here; https://bitcoinbinaryoptionsreview.com/binary-options-uk-scammed-traders-fake-brokers-and-funds-recovery/
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Student Loan Default: The Guide (ReUploaded)

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

Student Loan Default: The Guide (reuploaded)

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

The problem with G2A interactions

As an addendum to a previous post I want to articulate more clearly why the G2A interaction is a problem that actively detracts from the ground gameplay dynamic. This is not a nerf air post, I want to explain the gameplay implications of what the G2A role currently is and why it is a unique problem in the combined arms dynamic that needs adjustment.
Planetside is a unique beast in that is it an combined arms MMO. The problems this poses from a game design standpoint is that you need to balance the casual (solo) and hardcore (organized group) playstyles. Organization should be encouraged and integral and solo players should be at a disadvantage but "organic disorganized group play" solo players should not be totally helpless in most situations. The other problem is that each role should, with key exceptions and specializations, be capable to handle a variety of situations and encounters. The latter point is the most problematic in the current gameplay design when it comes to role specialization and loadouts.
Lets look at how each sphere interacts with each other:
Infantry/Vehicle
All infantry classes, largely excluding infiltrator, have at least some options to counter vehicles that usually also have a range of utility utility against infantry. C4, rocket launchers, AV turret, UBGL, mines, AV grenade, rocklet rifle, archer, MAX AV, and explosive bolts all have various levels of utility in their non-designated roles. Most options come in addition to an alternative set of weapons designed for infantry combat allowing both roles to be adequately filled simultaneously with some variations of effectiveness based on specialization.
Vehicles follow a similar dynamic. Most of the commonly used AV weapons are also effective against infantry. Tank cannons, Halberd, Vulcan, and Enforcer are all more or less equally effective vs infantry and vehicles (basilisk, fury, and bulldog technically fit into this niche but are less effective overall). The remaining infantry weapons, excluding the kobalt, are effective against infantry (in theory) and can put up at least a marginal defense against other vehicles and in the case of MBTs come in addition to the main tank cannon that has good utility.
The current state of G2A
Infantry have 2 effective means of countering air: lockon launcher for heavy and dual burster max. Small arms fire, rocklet rifle, and single burster max will almost never kill a skilled pilot on their own or even en masse. Some weapons, notably the AV turret and lancer, are unintentionally effective against air outside of their intended role but can be somewhat situational. 2 of the classes which have adequate utility against vehicles, engineer and light assault, they have no options to even specialize to an anti air role and medic which can equip some items that can do modest AV damage (C4, UBGL, explosive bolt) has no real option to address air. This is extremely limiting compared to the vehicle dynamic.
Vehicles have a similar problem. The Skyguard is the intended AA vehicle and is relatively effective in this role, it is severely impaired against against infantry and vehicles to such a degree that it is largely ineffective. The only vehicle with some utiltity against both air and ground is the MBT with a walker or ranger, however these secondary weapons are effectively useless against ground due to their angle limitations, and 95% of the time these weapons are unmanned in "organic disorganized group play" unless the other player is hitching a ride in the MBT to travel to another location and proptly leaving due to their lack of utility in any other situation. The sunder is in a unique situation because it can technically address both ground and air through multiple turret slots, due to the inherently ineffective utility of AA turrets against ground greatly reduces the overall utility of the vehicle's capabilities. Harassers and ANTs which only have 1 weapons slot have to all but sacrifice any ability to address ground forces to enable any AA capability. In the case of the kobalt and basilisk, they are fairly effective against air and other roles simultaneously, but the limited angle range makes their ability to retaliate situational. There is the additional problem that the chaingun and light AV damage types have unusually ineffective damage towards air targets, making most AV secondaries and MAX AV weapons particularly under powered against air.
The main problem I have with the state of G2A weapons is their limited utility puts you at a disproportionate disadvantage against ground targets compared to most ground based AI and AV loadouts' ability to address both vehicle and infantry targets simultaneously. There is the additional issue that single AA sources are largely incapable of addressing air to any adequate degree and the is frequently binary effect of AA where its presence will either eliminate air (though frequently not by killing the source outright or by bailers) or be little more than a nuisance not even effective in their deterrence role. Fulfilling the role of AA requires such diligence that to even have such limited effectiveness on the outcome requires almost complete dedication, with large stretches of downtime, removing the player from any other aspect of gameplay with very little in terms of reward. It is a frustrating, thankless, unfun role.
There are other unique factors that influence the G2A gameplay such as the angle of attack that air has relative to ground vehicles causing an disproportionate influence of their effectiveness on a battlefield, the ability for air to relocate between bases quickly and unexpectedly requiring constant vigilance, and the inherent difficulty in flying that has a vast discrepancy in skill required to be even modestly effective in an AA role discouraging most players from even attempting to fly. Also, new players do not start with any AA weapons aside from a single burster max, making them a particular problem in the NPE.
I'm not sure how much can be done to address the difficulty in flying, nor the work required to completely change G2A gameply. A simpler solution could be to increase the utility of AA weapons to have some ability to act in other roles. Improving the skyguard's ability against vehicles and infantry to be similar ineffectiveness to basilisk would help it be more appealing as a less situational loadout. Removing the angle restrictions on the walker and ranger would allow them to be more effective in addressing ground targets. Improving the abilities of the burster max to at least fend off infantry would make it moderately more useful and less of a liability in its extremely narrow role, similar to AV weapons. Lockon launcher are in the best place as terms of utility. Other classes need some ability to address air, at the very least the engineer. An AA turret, or increased effectiveness of the Archer towards air would help in this regard. Base turrets need to have their range unnerfed, they are virtually useless against air and if manned and are effectively kited outside their effective range. These would significantly alter the way G2A interactions play out and various other factors caused by the increased ground resistance towards air would need to be reworked, so I'm not sure the best solution.
The end result is a situation in which most players do not want to engage in the role of AA because of its lackluster gameplay, reduced utility in other roles, and lack of reward. This is my problem with the current state of G2A interactions.
submitted by idcqq to Planetside [link] [comments]

Student Loan Default: The Guide (reuploaded)

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

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

Definitions:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Strategy

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

Tactics

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

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

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

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

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

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

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

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

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

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

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

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

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

Soundclown Be Like

Audacity(R): free, open source, cross-platform audio software for
multi-track recording and editing: https://www.audacityteam.org/ .

User support is provided on Audacity Forum:
https://forum.audacityteam.org/ .

We welcome feedback on Audacity, suggestions for new or improved features,
and bug reports. Please visit
https://forum.audacityteam.org/viewforum.php?f=25 .

Audacity is copyright (c) 1999-2019 by Audacity Team. This copyright
notice applies to all documents in the Audacity source code archive,
except as otherwise noted (mostly in the lib-src subdirectories).
"Audacity" is a registered trademark of Dominic Mazzoni.

The Audacity documentation is licensed under the Creative Commons
Attribution 3.0 license: https://creativecommons.org/licenses/by/3.0/legalcode .

Compilation instructions for Audacity are provided in the source code:
* Windows: win\build.txt
* macOS: mac/build.txt
* GNU/Linux: linux/build.txt

You can ask for help with compilation problems at:
https://forum.audacityteam.org/viewforum.php?f=19 .

If you want to suggest some simple text change in our code, please submit a
pull request on https://github.com/audacity/audacity/pulls . It's usually
best to discuss functional code changes with us first on audacity-devel:
https://lists.sourceforge.net/lists/listinfo/audacity-devel .

Version 2.3.3

Contents of this README:

  1. Licensing
  2. Changes since version 2.3.2
  3. Known Issues at Release
  4. Source Code, Libraries and Additional Copyright Information

--------------------------------------------------------------------------------

  1. Licensing

This program is free software; you can redistribute it and/or modify it
under the terms of the GNU General Public License as published by the
Free Software Foundation; either version 2 of the License, or (at your
option) any later version. The program source code is also freely
available as per Section 4 of this README.

This program is distributed in the hope that it will be useful, but WITHOUT
ANY WARRANTY; without even the implied warranty of MERCHANTABILITY
or FITNESS FOR A PARTICULAR PURPOSE. See the GNU General Public
License for more details.

You should have received a copy of the GNU General Public License
along with this program (in a file called LICENSE.txt); if not, go
to https://www.gnu.org/licenses/old-licenses/gpl-2.0.html or write to

Free Software Foundation, Inc.
59 Temple Place - Suite 330
Boston, MA 02111-1307 USA


--------------------------------------------------------------------------------

  1. Changes since version 2.3.2:

Improvements

* Equalization effect now split into two effects, Filter Curve and Graphic EQ.
* Presets (using manage button) now active/working.
* Can now have two points at same frequency for steep steps.
* 'What you hear is what you get' for exports. Formerly the solo button
preferences could lead to differences in which tracks were exported.
* Leading silence (blank space) not skipped over in exports.
* Quality setting on AAC/M4A exports.
* Some confusing functionality removed (better achieved in other ways)
* Removed Nyquist Workbench (use built-in nyquist features)
* Removed Vocal Remover (use Vocal Reduction)
* Removed On-Demand aliased files (copy files instead)
* Removed 'Normalize on Load' (Normalize as needed on export, instead)

See also: https://wiki.audacityteam.org/wiki/New_features_in_Audacity_2.3.3


Bug Fixes

Over 150 bugs in 2.3.2 fixed, including:

* 2112 - Crash when opening Equalization settings in a Macro
* 2127 - Crash deleting a track while in Record/Pause state
* 2176 - Crash when attempting to time shift multiple tracks
* 2141 - Tabbing between labels stopped working
* 2200 - Refusal to export some large (4GB) files on size grounds

See also: https://wiki.audacityteam.org/wiki/Release_Notes_2.3.3


-------------------------------------------------------------------------------

  1. Known Issues in 2.3.3:

Audacity 2.3.3 does not properly support macOS Catalina. There are new
security restrictions in Catalina on using the microphone. For example,
Audacity may run, but fail to record. Catalina was released towards the end
of 2.3.2 development.

For best workarounds and other known issues in 2.3.2, please see:
https://wiki.audacityteam.org/wiki/Release_Notes_2.3.2/Issues


-------------------------------------------------------------------------------

  1. Source Code, Libraries and Additional Copyright Information

Source code to this program is always available; for more information visit
our web site at:

https://www.audacityteam.org/download/source

Audacity is built upon other free libraries; some of these libraries may have
come with Audacity in the lib-src directory. Others you are expected to install
first if you want Audacity to have certain capabilities. Most of these libraries
are not distributed under the terms of the GPL, but rather some other free,
GPL-compatible license. Specifically:

expat: BSD-like license.
Provides XML parsing. Included with Audacity.

FFmpeg: GPL or LGPL (according to how you obtain/configure it)
Provides decoding/encoding of additional formats. Optional separate
download.

libid3tag: GPL
Reads/writes ID3 tags in MP3 files. Optional
separate download as part of libmad.

libflac: Xiph.Org BSD-like licence (the parts we use)
Decodes and Encodes Free Lossless Audio Codec files. Optional separate
download.

libmad: GPL
Decodes MP3 files. Optional separate download.

libnyquist: BSD-like license.
Functional language for manipulating audio; available
within Audacity for effects processing.

libogg: BSD-like license.
Optional separate download, along with libvorbis.

libsndfile: LGPL
Reads and writes uncompressed PCM audio files.
Included with Audacity.

libsoxr: LGPL
The SoX Resampler library performs one-dimensional sample-rate conversion.

libvamp: new-style BSD
Plug-in interface and support library for audio analysis plug-ins.
Included with Audacity.

libvorbis: BSD-like license.
Decodes and encodes Ogg Vorbis files. Optional
separate download.

lv2: a merging of the lilv (ISC license), lv2 (LGPL), msinttypes, serd (ISC),
sord, sratom, and suil libraries to support LV2 plug-ins.

portsmf: BSD-like license.
library for reading and writing midi files. Included with Audacity

sbsms: GPL v2
Pitch and tempo changing library. Included in Audacity

SoundTouch: LGPL
Changes tempo without changing pitch and vice versa.
Included in audacity

Twolame: LGPL
Encodes MPEG I layer 2 audio (used in DVDs and Radio). Optional separate
download.

wxWidgets: wxWindows license (based on LGPL)
Cross-platform GUI library - must be downloaded and
compiled separately.


For more information, see the documentation inside each library's
source code directory.

--------------------------------------------------------------------------------
Additional copyright information:
--------------------------------------------------------------------------------

Nyquist

Copyright (c) 2000-2002, by Roger B. Dannenberg
All rights reserved.

Redistribution and use in source and binary forms, with or without
modification, are permitted provided that the following conditions are met:

Redistributions of source code must retain the above copyright notice, this
list of conditions and the following disclaimer.

Redistributions of source code must retain the copyright notice, the
list of conditions, and the disclaimer, all three of which appear below under
"COPYRIGHT AND LICENSE INFORMATION FOR XLISP."

Redistributions in binary form must reproduce the above copyright notice, this
list of conditions and the following disclaimer in the documentation and/or
other materials provided with the distribution.

Redistributions in binary form must reproduce the copyright notice, the
list of conditions, and the disclaimer, all three of which appear below under
"COPYRIGHT AND LICENSE INFORMATION FOR XLISP," in the documentation
and/or other materials provided with the distribution.

Neither the name of Roger B. Dannenberg, Carnegie Mellon University, nor the
names of any contributors may be used to endorse or promote products derived
from this software without specific prior written permission.

COPYRIGHT AND LICENSE INFORMATION FOR XLISP (part of Nyquist):

Copyright (c) 1984-2002, by David Michael Betz
All rights reserved.

Redistribution and use in source and binary forms, with or without
modification, are permitted provided that the following conditions are met:

Redistributions of source code must retain the above copyright notice,
this list of conditions and the following disclaimer.

Redistributions in binary form must reproduce the above copyright notice, this
list of conditions and the following disclaimer in the documentation and/or
other materials provided with the distribution.

Neither the name of David Michael Betz nor the names of any contributors may be
used to endorse or promote products derived from this software without specific
prior written permission.

THIS SOFTWARE IS PROVIDED BY THE COPYRIGHT HOLDER AND
CONTRIBUTORS "AS IS" AND ANY EXPRESS OR IMPLIED WARRANTIES,
INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE ARE
DISCLAIMED. IN NO EVENT SHALL THE COPYRIGHT HOLDER OR
CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL,
SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT
NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES;
LOSS OF USE, DATA, OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER
CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT,
STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE)
ARISING IN ANY WAY OUT OF THE USE OF THIS SOFTWARE, EVEN IF
ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
submitted by 329_ProductionZ_ to copypasta [link] [comments]

Sharing my numbers, goals, milestones, and advice

I wanted to share a few of my numbers, goals and priorities. Both because it's helpful for me to organize my goals and plans, and because the posts and comments on this sub have helped me out and I thought I'd chip in my 2 cents.
Basic stats: 31M, married, wife the same age. My annual income (software engineer, large company) around 125k + 20k bonus + 5k stock + 4.5% 401k match + ESPP magic of 1.5% salary or more. Wife's salary around 105k with a 2% 401k match at a non-profit. No kids yet, just a dog.
I started working the summer I was 16, for a nickel above federal minimum wage at the time, I think it was around $5.15 / hr. This was a miserable and yet incredibly enlightening experience. I realized I could make it on my own with hard work but I sure didn't want to be stuck there. I went to college, worked part-time and summers through school at only slightly better pay and less-miserable conditions. Wife and I were extremely fortunate to have had families who paid most of college (along with some scholarships and benefits), and we graduated with no debt.
Real income started coming in after I graduated college with an engineering degree in 2007, starting salary was $65k. My wife and I lived basically as we had while in school, renting a cheap place, maxing out the 401ks and Roths, and saving a small amount of taxable income too. Here's my SSA reported earnings (pretty sure I had some W2 income in 2005, not sure why it's missing). Wife's salary has been just a little bit less than mine over the years as she has worked at non-profits and spent two more years in school.
It's been just shy of ten years since we graduated and started working and saving. Here's Mint's (ragged) picture of our net worth as far back as Mint knows about. Their older data is incomplete, the early years are missing several accounts that we had, and there is a discontinuity around our house purchase last year as Mint can't be made to understand the date we closed on our house and how that corresponds to the dip in cash.
Right now we're still maxing 401ks, maxing my HSA, and average maybe $2000 or so of taxable savings per month. I'll be getting my first bonus check from my current job this year, and plan to save basically all of it, plus all my stock options and ESPP. If everything goes smoothly I hope we can save well over $75k this year. I have a goal set in Mint to get to $1M in cash and investments, and if the market doesn't take a dive and our savings stay on track, I hope to get there by early 2018. Our major expenses are dog-care ($600/month), mortgage ($3300/month incl. taxes and insurance), and some travel.
Our net worth breakdown: Assets:
Liabilities:
I mentioned already my wife and I were helped out significantly by having undergrad paid for and graduating debt free. I received an inheritance of around $200k a few years ago which also explains our growth. I say this to be transparent about where our money has come from and not write some inflated baloney.
With those caveats and explanations, here are some lessons I've learned along the way that I'd like to share.
  1. Prioritize your physical health first. Yes my first advice is actually to spend money -- investing in yourself and your health. Even if you are young and without major problems, go to your yearly physicals and dentist appointments. Nobody likes going to the doctor, but not going ends up being much worse.
    • I am in decent health, but I would gladly pay every dollar in all my retirement accounts to have my few health problems solved for good and be guaranteed a long, healthy, active life. In my case, that's not possible. Doctors can only do so much. Some of your health is decided by luck and genetics. But control the part that you can control -- lucky for all of us, it's usually a pretty large part. Eat your fresh fruits and vegetables, exercise, and don't eat out all the time -- not primarily because eating out is expensive, but because your health cannot be bought at any price, and making food yourself will simply be better for you.
  2. Prioritize your mental health, happiness, and sanity second. Having a 90% savings rate will do nothing for you if you are depressed and suicidal. If you don't live long enough to enjoy your early retirement, all those years and decades of hard work were a waste. I'd much rather see someone making the bare minimum 401k contributions, with a job he enjoys, good friends, family support, loving spouse, than see an isolated and depressed wage-slave, spending all his time at a job he hates in a depressing environment, just to max out savings.
    • In fact, I see the entire idea of "financial independence" as a small part of a larger picture: determining what your priorities are in life, what really makes you happy now and will make you happy long-term, and then consciously investing your time, energy, and money to those pursuits. And cutting back on everything else. Build the life you want, then save for it
  3. I can't tell you the number of posts I see on personalfinance where the biggest obstacle boils down to "I paid way too much for a new car I can't really afford and now I'm in big trouble". What's worse, the people that post are the ones smart enough to realize something is wrong and reach out for help, I worry about the rest.
    • I live in a New England city where a big snowfall will regularly bury us for a week or two at a stretch in the winter. It is mind-boggling the number of cars I see here, weeks after a snowstorm, still parked on the street completely buried by snow -- the owners have more cars than they need, so what the hell, just leave the extra cars abandoned on the street (for "free" of course), buried in the snow. Car insurance for me and my wife here costs, for one car, north of $1k/year and we both have spotless driving records. Plus motor vehicle excise tax, registration, emissions test, plates, AAA, etc. And those are just the fixed costs, without putting any miles on the car! I am simply astounded by these abandoned cars hanging out for weeks.
  4. Buy a damn bicycle and start somewhere. The number of excuses I hear about why one can't bike is just insane. Work is too far, it's too cold, too wet, too dangerous, I'm out of shape, I don't have a bike, I don't really know how to bike, bikes get stolen, I'll get sweaty, and on and on. Look. Go to your local bike shop, or Craigslist, or hell even Walmart. Spend $150-$200 on a used or (crappy) new bike. Get a helmet and maybe a lock. And just try going somewhere on a nice cool, sunny day. Go to a coffee shop, park, bookstore, post office, whatever. You lock up basically anywhere. No coins or credit card for the meter, no circling for parking. Time how long it took you. If it's somewhere close, and you live in a city, it probably wasn't much slower than driving and dealing with parking, maybe even faster. And remember how infuriating it is to be stuck in a car in a traffic jam? That will never happen to you on a bike.
    • Commuting to work every day by bike may not be for you. Maybe you can do it on nice days in the spring and fall. Maybe you can do a few errands here and there. Maybe just for fun rides on the weekend. Read the true cost of commuting by the great Mr. Money Moustache if you want financial motivation. I wonder if I have MMM beat with my bike commuting stats ? But just try riding a bike a few times and see how you like it. If you hate it, fine, it's not for you.
  5. Spend some time getting VERY familiar with your work benefits. It is easy to miss out on free money. A few examples from my own experience:
    • If you have an employer match, be careful about front-loading your 401k contributions, even just a little bit, e.g. meeting the 401k contribution limit by November in the year. Depending on how it is set up, the match may only kick in, say, up to a 5% match of each pay period. So if you front-load and are maxed out by November, you would have only gotten a 5% match for 11 months, not 12 months.
    • If you have an employer HSA and your employer is generous enough to have incentive programs to reward you with money for exercise, preventative care, health counseling, etc. get on top of those and max them out. It's free money!
    • The workplace ESPP plans I've had access to are also free money (often a 15% guaranteed ROI after 6 months if company stock is flat or goes down, with the potential for much more if the company stock goes up). You are crazy if you don't contribute the full amount here.
    • Be on the lookout for other fringe employee benefits. We recently found out my wife's work offers reimbursement up to $20/month for bicycle commuting expenses. Ka-ching.
    • Understanding the details of your vacation policy (PTO) is critical. How often do they accrue? Do you have other days ("floating holidays") and how are they different? What is your cap on the max. number of days accrued? Do they roll-over year to year? Do they get paid out when you leave the company? Time is money, these days are precious, don't waste any of them.
  6. On the same lines, the easiest credit card sign-ups and bank sign-ups are no-brainers, great money for a minimal time investment. You don't have to go overboard like the hardcore folks at churning , but just signing up and canceling one or two cards per year can net you an easy $200-$500 bonus each time. Even better, the credit card bonuses are generally treated as discounts on purchases, not income, so not treated as taxable income by the IRS.
  7. Make a to-do list of financial fixes, bill cuts, home improvements, and work on them regularly. My quick list is:
    • rollover wife's old 401k to an IRA
    • set up a backdoor Roth for me and my wife this year
    • do an easy credit card sign-up bonus
    • take advantage of a state program to pay for insulation in our house
  8. Think about what makes you happy and do more of it. Stop for a moment and ponder -- what are the top three things that you love doing, that when you are old and grey you will look back fondly on?
    • I bet that "compulsively checking Facebook" wasn't on your list. Or "sitting in traffic on the way to work". Financial Independence is all about taking control of your life. But you don't need some magic amount of money saved to do this. Being financially independent is more of a spectrum than a binary. Just having a small emergency fund saved will give you confidence at work, give you flexibility to interview for other jobs, allow you to sleep better at night, invest in yourself, etc.
  9. And after taking care of yourself and your immediate family, think about your other close friends and more extended family (well, the ones you love, at least). Just as our families have sacrificed for us, I see my extended family members who have needed help over the years and have tried to help out quite a bit, financially and otherwise. This is actually what I look forward to the most as our nest egg slowly fills in. I don't want to be a Scrooge sticking to a leanfire budget for 40+ years of retirement with no wiggle room. I aspire to be able to help friends, family, and charities I care about.
submitted by FIREyerBoss to financialindependence [link] [comments]

OpenCV Help Sleep time not being accepted

OpenCV Help Sleep time not being accepted
I'm currently having trouble with openCV/DogeCV is there a way to have it sleep or wait time on the Autonomous mode.
 @Override public void start() { hanger.setPower(1); Sleep(30); } 
This is how it looks in the code
Am I doing something wrong? That's the part of the code the full code is below


/* Copyright (c) 2017 FIRST. All rights reserved. * * Redistribution and use in source and binary forms, with or without modification, * are permitted (subject to the limitations in the disclaimer below) provided that * the following conditions are met: * * Redistributions of source code must retain the above copyright notice, this list * of conditions and the following disclaimer. * * Redistributions in binary form must reproduce the above copyright notice, this * list of conditions and the following disclaimer in the documentation and/or * other materials provided with the distribution. * * Neither the name of FIRST nor the names of its contributors may be used to endorse or * promote products derived from this software without specific prior written permission. * * NO EXPRESS OR IMPLIED LICENSES TO ANY PARTY'S PATENT RIGHTS ARE GRANTED BY THIS * LICENSE. THIS SOFTWARE IS PROVIDED BY THE COPYRIGHT HOLDERS AND CONTRIBUTORS * "AS IS" AND ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, * THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE * ARE DISCLAIMED. IN NO EVENT SHALL THE COPYRIGHT OWNER OR CONTRIBUTORS BE LIABLE * FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL * DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR * SERVICES; LOSS OF USE, DATA, OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER * CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, * OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE * OF THIS SOFTWARE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. */ package org.firstinspires.ftc.teamcode; import com.disnodeteam.dogecv.CameraViewDisplay; import com.disnodeteam.dogecv.DogeCV; import com.disnodeteam.dogecv.detectors.roverrukus.GoldAlignDetector; import com.qualcomm.robotcore.eventloop.opmode.OpMode; import com.qualcomm.robotcore.eventloop.opmode.TeleOp; import com.qualcomm.robotcore.hardware.DcMotor; import com.qualcomm.robotcore.hardware.Servo; import com.qualcomm.robotcore.util.ElapsedTime; import static java.lang.Thread.sleep; @TeleOp(name="GoldAlign Example", group="DogeCV") public class AutoBetaOpenCV extends OpMode { private GoldAlignDetector detector; private ElapsedTime runtime = new ElapsedTime(); private DcMotor FleftMotor; private DcMotor FrightMotor; private DcMotor RleftMotor; private DcMotor RrightMotor; private DcMotor hanger; private Servo Tmarker; @Override public void init() { telemetry.addData("Status", "DogeCV 2018.0 - Gold Align Example"); detector = new GoldAlignDetector(); detector.init(hardwareMap.appContext, CameraViewDisplay.getInstance()); detector.useDefaults(); // Optional Tuning detector.alignSize = 100; // How wide (in pixels) is the range in which the gold object will be aligned. (Represented by green bars in the preview) detector.alignPosOffset = 0; // How far from center frame to offset this alignment zone. detector.downscale = 0.4; // How much to downscale the input frames detector.areaScoringMethod = DogeCV.AreaScoringMethod.MAX_AREA; // Can also be PERFECT_AREA //detector.perfectAreaScorer.perfectArea = 10000; // if using PERFECT_AREA scoring detector.maxAreaScorer.weight = 0.005; detector.ratioScorer.weight = 5; detector.ratioScorer.perfectRatio = 1.0; detector.enable(); } @Override public void init_loop() { } /* * Code to run ONCE when the driver hits PLAY */ @Override public void start() { hanger.setPower(1); Sleep(30); } @Override public void loop() { telemetry.addData("IsAligned" , detector.getAligned()); // Is the bot aligned with the gold mineral telemetry.addData("X Pos" , detector.getXPosition()); // Gold X pos. hanger.setPower(1); } /* * Code to run ONCE after the driver hits STOP */ @Override public void stop() { detector.disable(); } } 


submitted by crazyglitch45 to FTC [link] [comments]

Does anyone know how it’s cause and how to fix it Part 2

Does anyone know how it’s cause and how to fix it Part 2

https://preview.redd.it/jbq1w896xj421.jpg?width=640&format=pjpg&auto=webp&s=9450a9fc88443886a565f3311c893bdeff26a730

This is a second part related to the first post about this

Here is my code :



/* Copyright (c) 2017 FIRST. All rights reserved. * * Redistribution and use in source and binary forms, with or without modification, * are permitted (subject to the limitations in the disclaimer below) provided that * the following conditions are met: * * Redistributions of source code must retain the above copyright notice, this list * of conditions and the following disclaimer. * * Redistributions in binary form must reproduce the above copyright notice, this * list of conditions and the following disclaimer in the documentation and/or * other materials provided with the distribution. * * Neither the name of FIRST nor the names of its contributors may be used to endorse or * promote products derived from this software without specific prior written permission. * * NO EXPRESS OR IMPLIED LICENSES TO ANY PARTY'S PATENT RIGHTS ARE GRANTED BY THIS * LICENSE. THIS SOFTWARE IS PROVIDED BY THE COPYRIGHT HOLDERS AND CONTRIBUTORS * "AS IS" AND ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, * THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE * ARE DISCLAIMED. IN NO EVENT SHALL THE COPYRIGHT OWNER OR CONTRIBUTORS BE LIABLE * FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL * DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR * SERVICES; LOSS OF USE, DATA, OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER * CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, * OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE * OF THIS SOFTWARE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. */ package org.firstinspires.ftc.teamcode; import com.disnodeteam.dogecv.CameraViewDisplay; import com.disnodeteam.dogecv.DogeCV; import com.disnodeteam.dogecv.detectors.roverrukus.GoldAlignDetector; import com.qualcomm.robotcore.eventloop.opmode.Autonomous; import com.qualcomm.robotcore.eventloop.opmode.OpMode; import com.qualcomm.robotcore.hardware.DcMotor; import com.qualcomm.robotcore.hardware.DcMotorSimple; import com.qualcomm.robotcore.hardware.Servo; import com.qualcomm.robotcore.util.ElapsedTime; import org.opencv.core.Point; import org.opencv.core.Rect; import org.opencv.core.Scalar; import org.opencv.imgproc.Imgproc; import static java.lang.Thread.sleep; @Autonomous(name="GoldExample", group="DogeCV")
public class GoldExample extends OpMode { private GoldAlignDetector detector; private ElapsedTime runtime = new ElapsedTime(); private DcMotor FleftMotor; private DcMotor FrightMotor; private DcMotor RleftMotor; private DcMotor RrightMotor; private DcMotor hanger; private Servo Tmarker; @Override public void init() {
telemetry.addData("Status", "DogeCV 2018.0 - Gold Align Example"); detector = new GoldAlignDetector(); detector.init(hardwareMap.appContext, CameraViewDisplay.getInstance()); detector.useDefaults(); /** eg: Initialize the hardware variables. Note that the strings used here as parameters * to 'get' must correspond to the names assigned during the robot configuration * step (using the FTC Robot Controller app on the phone). */ FleftMotor = hardwareMap.dcMotor.get("front_left"); FrightMotor = hardwareMap.dcMotor.get("front_right"); RleftMotor = hardwareMap.dcMotor.get("back_left"); RrightMotor = hardwareMap.dcMotor.get("back_right"); hanger = hardwareMap.dcMotor.get("hanger"); Tmarker = hardwareMap.servo.get("Tmarker"); FleftMotor.setDirection(DcMotorSimple.Direction.FORWARD); FrightMotor.setDirection(DcMotorSimple.Direction.REVERSE); RleftMotor.setDirection(DcMotorSimple.Direction.FORWARD); RrightMotor.setDirection(DcMotorSimple.Direction.REVERSE); FleftMotor.setMode(DcMotor.RunMode.RUN_USING_ENCODER); FrightMotor.setMode(DcMotor.RunMode.RUN_USING_ENCODER); RleftMotor.setMode(DcMotor.RunMode.RUN_USING_ENCODER); RrightMotor.setMode(DcMotor.RunMode.RUN_USING_ENCODER); // Results of the detector boolean found = false; // Is the gold mineral found boolean aligned = false; // Is the gold mineral aligned double goldXPos = 0; // X Position (in pixels) of the gold element // Results of the detector Point screenPosition = new Point(); // Screen position of the mineral Rect foundRect = new Rect(); // Found rect // Detector settings boolean debugAlignment = true; // Show debug lines to show alignment settings double alignPosOffset = 0; // How far from center frame is aligned double alignSize =100; // How wide is the margin of error for alignment // Optional Tuning detector.alignSize = 100; // How wide (in pixels) is the range in which the gold object will be aligned. (Represented by green bars in the preview) detector.alignPosOffset = 0; // How far from center frame to offset this alignment zone. detector.downscale = 0.4; // How much to downscale the input frames detector.areaScoringMethod = DogeCV.AreaScoringMethod.MAX_AREA; // Can also be PERFECT_AREA //detector.perfectAreaScorer.perfectArea = 10000; // if using PERFECT_AREA scoring detector.maxAreaScorer.weight = 0.005; detector.ratioScorer.weight = 5; detector.ratioScorer.perfectRatio = 1.0; detector.enable(); }
@Override public void init_loop() { telemetry.addData(">", "Press Play to start tracking"); telemetry.update(); }
/* * Code to run ONCE when the driver hits PLAY */ @Override public void start() {
telemetry.addData("IsAligned" , detector.getAligned()); // Is the bot aligned with the gold mineral telemetry.addData("X Pos" , detector.getXPosition()); // Gold X pos. //lower hanger hanger.setPower(1); try { sleep(2850); } catch (InterruptedException e) { e.printStackTrace(); } //stop driving hanger.setPower(0); FleftMotor.setPower(0.0); FrightMotor.setPower(0.0); RleftMotor.setPower(0.); RrightMotor.setPower(0.); try { sleep(400); } catch (InterruptedException e) { e.printStackTrace(); } //moving right FleftMotor.setPower(-1); FrightMotor.setPower(1); RleftMotor.setPower(1); RrightMotor.setPower(-1); try { sleep(200); } catch (InterruptedException e) { e.printStackTrace(); } FleftMotor.setPower(0.0); FrightMotor.setPower(0.0); RleftMotor.setPower(0.); RrightMotor.setPower(0.); try { sleep(400); } catch (InterruptedException e) { e.printStackTrace(); } //turning 90 degree FleftMotor.setPower(1); FrightMotor.setPower(-1); RleftMotor.setPower(1); RrightMotor.setPower(-1); try { sleep(261); } catch (InterruptedException e) { e.printStackTrace(); } // stop driving FleftMotor.setPower(0.0); FrightMotor.setPower(0.0); RleftMotor.setPower(0.0); RrightMotor.setPower(0.0); try { sleep(120); } catch (InterruptedException e) { e.printStackTrace(); } //lowers hanger hanger.setPower(-1); FleftMotor.setPower(-0.); FrightMotor.setPower(0.); RleftMotor.setPower(-0.); RrightMotor.setPower(0.); try { sleep(2300); } catch (InterruptedException e) { e.printStackTrace(); } hanger.setPower(-0.7); try { sleep(100); } catch (InterruptedException e) { e.printStackTrace(); } // stop driving hanger.setPower(0); FleftMotor.setPower(-0.); FrightMotor.setPower(0.); RleftMotor.setPower(-0.); RrightMotor.setPower(0.); try { sleep(1000); } catch (InterruptedException e) { e.printStackTrace(); }
if (true){
// stop driving hanger.setPower(0); FleftMotor.setPower(-0.); FrightMotor.setPower(0.); RleftMotor.setPower(-0.); RrightMotor.setPower(0.); try { sleep(1000); } catch (InterruptedException e) { e.printStackTrace(); }
}
}
@Override public void loop() { telemetry.addData("IsAligned" , detector.getAligned()); // Is the bot aligned with the gold mineral telemetry.addData("X Pos" , detector.getXPosition()); // Gold X pos. }
/* * Code to run ONCE after the driver hits STOP */ @Override public void stop() { detector.disable(); }
}
submitted by crazyglitch45 to FTC [link] [comments]

I’m a Gender Therapist at an Informed Consent Clinic. AMA!

Hello, /asktransgender!
I’m a gender therapist at an Informed Consent Clinic. I provide optional mental health counseling to support trans and gender-nonconforming people in their transition or gender exploration. I’ve been lurking around this sub for awhile and wanted to reach out to provide some education on trans/GNC mental health. I’m well aware of the horror stories and bad experiences people in this community have with mental health providers, both historically and in current times. I feel a responsibility to counteract these harmful interactions with the mental health system by providing competent and gender informed counseling in my practice.
For me, this means using correct pronouns and labels, affirming non-binary identities, and helping people find out what gender means to them personally. I believe in bodily autonomy and that therapy should not be a requirement for transition. At the same time, transition can be a very difficult time and some trans/GNC people need support leading up to and during transition. I’m also committed to providing low-cost and sliding scale therapy because I know that ability to pay (or have insurance pay) is a significant barrier to care for many people in this community. I mostly use cognitive-behavioral therapy techniques, along with some feminist, narrative and post-modern influences. This means that I work with clients on their thoughts and actions, while keeping in mind systems of oppression and the way each person tells their unique life story.
I’m here to answer questions about mental health or gender to help educate and support this community. For liability and privacy reasons, I opted to remain anonymous for this AMA. I’ve provided information about my identity, credentialing and experience to the mods of this sub-reddit, so hopefully that allays any worries about my expertise.
I also just need to disclaim that participation in this AMA is in no way a replacement for therapy. In answering questions here, I’m serving as an educational resource not as your counselotherapist. I cannot provide diagnoses over an internet forum, but I am comfortable explaining general information about Gender Identity Disorder and Gender Dysphoria diagnoses (and others as needed). I’m OK answering some specific questions about your personal situation, but I might end up suggesting you see a therapist in person if it gets too deep. Mental health treatment is a nuanced and complicated process in which context plays a big role, so there’s only so much that can be relayed within the limits of an internet forum.
I’ll try to answer as many questions as I can, but I might have to run off at some point to see clients and take care of real life responsibilities. I’m also willing to address questions in the future if the need arises. If there’s something I don’t feel comfortable answering, I’ll let you know and try to explain why. As mentioned previously, I might point people towards seeing a therapist in person if there’s too much nuance or too many contextual factors in a question.
EDIT: Thanks for the questions everyone! It's about 5:00 PM here and I need to take a break for a couple hours, but please keep submitting questions! I'll try to catch up some more later tonight and tomorrow.
EDIT: It's 3:00Pm on Wednesday and I'm back to answer a couple questions in between clients. I probably won't get all the way caught up before I need to run off again, but I'll do my best. Feel free to keep asking questions!
EDIT: Answered a couple between clients on Thursday and a few more on Friday. I've got all Saturday off, so I'll be cranking through some more tomorrow morning.
submitted by GenderTherapistAMA to asktransgender [link] [comments]

[RELEASE] MLF - Mouse Lock Fix

USE AT YOUR OWN RISK!
 
Hello everyone! :)
 
Introduction (you can skip this):
Ok, so... I love Black Desert Online and I've been playing for a while.
But there was something that really bothered me.
Everyone knows how the game encourages AFKing, but the problem with AFKing is, when you ALT+TAB out of the game or simply minimize (close) it to tray, the mouse clip (cursor clip, technically speaking) is being messed up when you play other games.
The cursor in Windows is a global resource, meaning all programs share the same cursor. And if program A changes something with the cursor, it will affect program B as well (and all other programs for that matter).
It's not on a per-program-basis, the changes to the cursor object are global.
When a program (usually games) want to lock your mouse cursor (I'm simply going to call it "cursor" from now on), they use the WinAPI function called "ClipCursor".
That function takes a rectangle of an area to lock the cursor in, it's basically setting the cursor's bounds (clip).
Also, when that function is called with a NULL argument (basically 0, an empty pointer), Windows is removing the current cursor clip completely, making the entire screen (even with multiple monitors) the current clip (bounds).
So where the problem lies exactly?
The game is constantly setting the clip (calling ClipCursor). All the time.
When you press CTRL to have a crosshair it's actually setting a specific rectangle, but when you have a "free mouse" it completely resets the clip by providing a NULL argument.
When you lose focus of the game (whether it's ALT+TABing or minimizing it to tray), the game keeps calling ClipCursor in its main loop, and this is where the problem is at.
The game is basically constantly telling Windows to REMOVE its current cursor clip. If you have other games which previously "told" Windows to set a specific clip, that clip's gone now and your cursor will have no bounds at all.
Making it so... If you play, let's say League of Legends, and you have 2 monitors, and Black Desert is minimized, your cursor will be able to be moved to the 2nd monitor and won't be locked to League of Legends.
This little mod fixes it and 2 other things which are listed below.
 
Changelog:
July 5th 5:45AM Pacific: Moved the project to a GitHub repository (https://github.com/Jeedify/BDO-MouseLockFix) April 24th 7:47AM Pacific: Fixed a problem where the game wouldn't launch on some systems (please report back if the fix worked out well or not). Re-organized the code (turned many unnecessary globals to locals, removed Common.h and a few other arrangements). This new update has been tested on 3 different machines (Windows 10 64-bit, Windows 7 64-bit and Windows 7 32-bit) and seem to be working well. April 23rd 12:59PM Pacific: Initial release. 
 
How-To:
1. To begin, download the binary (MouseLockFix.zip) and extract it or get the source code and build the project yourself (links down below).
2. Copy the "version.dll" and "version_MouseLockFix.ini" files from the "32bit" directory to your 32-bit game directory, for example:
C:\Program Files\Black Desert Online\bin or C:\Program Files (x86)\Black Desert Online\bin
3. Copy the "version.dll" and "version_MouseLockFix.ini" files from the "64bit" directory to your 64-bit game directory, for example:
C:\Program Files\Black Desert Online\bin64 or C:\Program Files (x86)\Black Desert Online\bin64
4. After you've copied "version.dll" and "version_MouseLockFix.ini" into the game directories the game should always launch with MLF already attached to it. No further actions should be taken.
* To remove MLF, simply delete "version.dll" and "version_MouseLockFix.ini" from the game directories.
 
Explanation on the 3 different options (in the "version_MouseLockFix.ini" file):  
FixBackgroundClipCursor
Default: 1 (Enabled)
Summary: When this option is enabled (set to 1), other programs will not be affected by any cursor clip changes when the Black Desert is not focused (ALT+TABed/minimized/etc).
My personal preference: 1 (Enabled). This option is pretty much the main reason why I've created this mod and I can't think of a reason to keep this disabled if you use this mod.
 
ForceForegroundClipCursor
Default: 1 (Enabled)
Summary: When this option is enabled (set to 1), when you have "free mouse" in game (like in menus or by pressing CTRL, basically not a crosshair), the cursor will be locked to game's window.
My personal preference: 0 (Disabled). I actually like it when my cursor can access other monitors without too much hassle in MMOs, but I've seen some posts with people complaining about it so I've added it.
 
DisableCursorZeroing
Default: 1 (Enabled)
Summary: When this option is enabled (set to 1), when you spawn into the world, the cursor zeroing (where the game sets your cursor position to the top-left pixel of the game) will be disabled.
My personal preference: 1 (Enabled). It's really a minor thing, but it was so annoying to me. If I remember correct it only happens on the initial spawn (after you choose your character), but I really didn't like it.
 
Links:
GitHub repository
Latest release page (version 1.0.3)
Direct download for MouseLockFix.zip (latest release)
* Note: I commented the important parts of the code but everything related to "VersionWrapper" and "CHook" is uncommented, you can look up "DLL Wrapping" and/or "Hooking" for more informationm about this type of things.
 
License (unlicense by http://unlicense.org/):
This is free and unencumbered software released into the public domain. Anyone is free to copy, modify, publish, use, compile, sell, or distribute this software, either in source code form or as a compiled binary, for any purpose, commercial or non-commercial, and by any means. In jurisdictions that recognize copyright laws, the author or authors of this software dedicate any and all copyright interest in the software to the public domain. We make this dedication for the benefit of the public at large and to the detriment of our heirs and successors. We intend this dedication to be an overt act of relinquishment in perpetuity of all present and future rights to this software under copyright law. THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. For more information, please refer to  
 
I hope it helps!
Oriya.
submitted by Oriya to blackdesertonline [link] [comments]

Ravencoin Open Developer Meeting - 2/15/2019

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:02 PM
Hello everybody!

theking - Last Friday at 2:02 PM

Seems likes it’s been so long since this meeting was held. At least a month 📷

Tron - Last Friday at 2:02 PM

Hi all!!!

Tom - Last Friday at 2:02 PM

Big boss is here !(edited)

BigZim - Last Friday at 2:03 PM

Oh hi

theking - Last Friday at 2:04 PM

Hi @Tron

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:04 PM

Topics for today: Release 2.2.2, Mobile Wallet, Restricted Assets, SLC Raven Meetup📷1

truedev - Last Friday at 2:05 PM

hello

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:05 PM

Release 2.2.2 GO

J. | ravenland.org - Last Friday at 2:05 PM

Hey

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:05 PM

BTW, blondfrogs won't be able to join us today. 📷

corby - Last Friday at 2:05 PM

Hi all

Chatturga - Last Friday at 2:05 PM

Blondefrogs has been working on the 2.2.2 update. He isnt here today, but he left this tidbit for the meeting:(edited)"Release 2.2.2 has a bunch of new updates. The sync speed fix that was released in 2.2.1 has been updated even more to use less memory/ram and uses less CPU. Each node used to hold all addresses that contained an asset as well as the amount in those addresses. That is now optional with the -assetindex flag. Which can be put into the raven.conf or added as a parameter when starting the wallet. Some other wallet issues were also fixed with this memory update. This is considered an mandatory update, especially if you haven't updated to 2.2.1 which resolved a potential fork bug fix. I would still suggest updating to 2.2.2 even if you are on 2.2.1."📷6

Jeroz - Last Friday at 2:07 PM

wen source?📷1

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:07 PM

There's a PR that was just moved to Develop.When is now

Jeroz - Last Friday at 2:08 PM

great 📷

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:08 PM

It'll be merged by the devs to master and then binaries should be posted soon

truedev - Last Friday at 2:09 PM

any idea when dividends will be functional?

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:09 PM

A bunch of testing has been happening and is currently running on the seed-nodes.

Tron - Last Friday at 2:10 PM

No timeline for dividends, but it is the one function that doesn't need any changes to consensus. And it can be done on tier 2 with a python script. The plan is still to build in a rpc call.📷2

truedev - Last Friday at 2:11 PM

alright

SpyderDev - Last Friday at 2:12 PM

We have been focusing on sync performance and have been running many tests. I've added an image of the results of this testing. Currently we still want to work on getting the Windows QT sync times faster (at least closer to what they are using just ravend). Overall we are very happy with the speeds and hope it will help people that have struggled getting their nodes up to date.(edited)📷

Jeroz - Last Friday at 2:13 PM

Yeah that table completely puzzled me

[Master] Roshii - Last Friday at 2:13 PM

hello!📷6

Jeroz - Last Friday at 2:13 PM

Fast branch is 2.2.1? or 2.2.2? Develop branch is 2.2.0?

SpyderDev - Last Friday at 2:15 PM

Sorry, should have clarified that. I was testing while it was still under development. On the table the top is the new-sync code, the bottom is the old "assets" release. As of about 5 minutes ago all of this code is on the develop branch.

Jeroz - Last Friday at 2:15 PM

Although syncing is mostly bottlenecked by cpu speed, that 16 core windows-qt still looks off to me. I synced windows Qt using 2.2.2 in ~2h on a i5-7600K.ok

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:17 PM

Okay, we good to move to the Mobile update?

SpyderDev - Last Friday at 2:17 PM

The Windows box is an AWS instance and there is some concern that the remote desktop could be slowing the QT UI down causing the horrible sync times. I am working on getting a local Windows 10 resource and will have updated information once that is ready (early next week).

Jeroz - Last Friday at 2:18 PM

ah that might explain. Ubuntu qt was 45 mins for me

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:18 PM

CoolOkay, Mobile!Go!

[Master] Roshii - Last Friday at 2:18 PM

📷📷1

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:19 PM

@[Master] Roshii has been working closely with some of the other devs to get the iOS version out the door.Android will follow closely.

Jeroz - Last Friday at 2:20 PM

is android an easy port?

J. | ravenland.org - Last Friday at 2:20 PM

Usually its the case(?), i mean easier 📷(edited)

SpyderDev - Last Friday at 2:20 PM

Just copy and paste right Roshii 📷

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:20 PM

LOLNo, usually its a completely new development effort.For the RVN Wallets they are both written in native iOS/Android code.

[Master] Roshii - Last Friday at 2:21 PM

So the iOS and Android use the same Core SPV module written in C, and it's the most difficult part.I have already did some work when it comes to Android, and it's 70% finishedHave also to port all the changes we lately did to the iOS wallet ...

boatsandhoes - Last Friday at 2:21 PM

yeah, unfortunately its not as easy as cut and paste for ios to android

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:21 PM

Anybody interested in installing the TestFlight version and helping us test?

boatsandhoes - Last Friday at 2:22 PM

yes

J. | ravenland.org - Last Friday at 2:22 PM

For android? sure.

BW__ - Last Friday at 2:22 PM

Android? yes.(edited)

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:22 PM

I'll talk to Apple about adding Android support to TestFlight.Might be a while.

J. | ravenland.org - Last Friday at 2:22 PM

lol

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:22 PM

Anybody on here using iOS?

Jeroz - Last Friday at 2:22 PM

Yeh me

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:22 PM

besides me...

[Master] Roshii - Last Friday at 2:23 PM

Android is very close, fortunately I'll have enough coffee in Morocco to finish the wallet in two weeks.(edited)📷4📷5

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:23 PM

https://testflight.apple.com/join/NTVQ2FfY (400 installs available)Join the RVN Wallet betaAvailable on iOS📷

theking - Last Friday at 2:23 PM

I will test iOS if needed

[Master] Roshii - Last Friday at 2:23 PM

@shiny

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:24 PM

Some of the devs have been doing a bunch of testing on iOS but we would love others to help.Bugs can be reported on GitHubhttps://github.com/RavenProject/ravenwallet-iosGitHubRavenProject/ravenwallet-iosContribute to RavenProject/ravenwallet-ios development by creating an account on GitHub.📷

truedev - Last Friday at 2:25 PM

how confident are you that apple will allow it on the appstore

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:25 PM

It's already in the App store.

truedev - Last Friday at 2:25 PM

ok

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:25 PM

That wasn't easy though.

truedev - Last Friday at 2:26 PM

yah figured, a lot of coins have been completely rejected(edited)

Chatturga - Last Friday at 2:26 PM

The devs already jumped through Apples 152,315 flaming hoops to get it in there.

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:26 PM

Yup, many meetings and phone calls.

J. | ravenland.org - Last Friday at 2:26 PM

wen rvn modular phone

Jeroz - Last Friday at 2:27 PM

Looking good📷📷7

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:28 PM

Okay, any questions about iOS release?

jaysonb - Last Friday at 2:28 PM

seed word format changed? i seem to have to have same words. did i need to delete and install fresh?

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:29 PM

No, it used your old ones.Always have your 12 words. especially when testing.

ravencoin maximalist 🧘🏻♂ - Last Friday at 2:30 PM

I’ve got iOS

Tron - Last Friday at 2:30 PM

If you use your 12-words, and then sync, and you're missing funds. Go here: https://medium.com/@tronblack/ravencoin-testing-ios-wallet-b713deb2c800MediumRavencoin — Testing iOS Wallet – Tron Black – MediumThank you for helping us test the Ravencoin iOS mobile wallet. Since you are in an early group of testers, you might have used the…

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:30 PM

Sweet, install and report bugs.

Tron - Last Friday at 2:30 PM

Or just go there...

jaysonb - Last Friday at 2:30 PM

that article scared me so i moved everything off.but i'll put some back on now

ravencoin maximalist 🧘🏻♂ - Last Friday at 2:31 PM

📷

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:31 PM

That's unfortunate. You don't need to be scared ever if you have your 12 words.

[Master] Roshii - Last Friday at 2:31 PM

android current state(edited)📷

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:32 PM

Here's the install link one more time for those that have joined late: https://testflight.apple.com/join/NTVQ2FfYJoin the RVN Wallet betaAvailable on iOS📷Okay, Tron's topic: Restricted Tokens

Tron - Last Friday at 2:33 PM

I have an idea.(edited)📷7📷6

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:34 PM

That several other devs have helped with. 📷

Tron - Last Friday at 2:34 PM

📷

SpyderDev - Last Friday at 2:34 PM

and lawyers

Tron - Last Friday at 2:34 PM

When the project started, ICOs were the big thing. Now it is STOsThe main difference is the legal wrapping and rules around securities.If Ravencoin has two more token types (Tags and Restricted Assets), there are lots of ways to make compliant tokens.Importantly, it doesn't affect the existing tokens at all.Tags - Tokens that can be sent only by the issuer once (with metadata).These tokens start with (hashtag)(edited)📷8

SpyderDev - Last Friday at 2:37 PM

^(octothorpe)

Tron - Last Friday at 2:37 PM

The Restricted Assets start with $, and can be frozen by the issuer. But they only move between tagged addresses.(edited)

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:38 PM

Tags can be sent to a user's address after the issuer has done the necessary due diligence for an STO issuance.(edited)

Tron - Last Friday at 2:38 PM

The issuer determines which tags the Restricted Asset will honor.This can be used for lots of different use cases.

EEE - Last Friday at 2:38 PM

Stunning interface guys

boatsandhoes - Last Friday at 2:39 PM

will that determination be a setting in the wallet?

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:39 PM

Restricted assets can then only be sent to addresses that are allowed and have the proper Tags.

boatsandhoes - Last Friday at 2:39 PM

interesting📷1

J. | ravenland.org - Last Friday at 2:39 PM

Did you guys get contacted by some entity* whos forcing the restricted address policy? or is this done as precautionary measure? At first glance your idea sounds good Tron.(edited)

Tron - Last Friday at 2:39 PM

Example: $UBER token only moves among addresses tagged with #KYC

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:40 PM

So Ravenland will have to buy a bunch more spam tokens.📷4

SpyderDev - Last Friday at 2:40 PM

#ravenland.

boatsandhoes - Last Friday at 2:40 PM

so is the $ something that can be added to an existing asset?

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:40 PM

It's not a forced thing. But adding the ability for Raven to be used in new use cases where legal requirements exist.

Tron - Last Friday at 2:40 PM

Not contacted by anyone, and not precautionary. Ravencoin Assets are just tools. This is just another tool that will help issuers of security tokens.📷9📷4

BW__ - Last Friday at 2:41 PM

Love it.

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:41 PM

It'll be a new token type that you can create @boatsandhoes📷1

ravencoin maximalist 🧘🏻♂ - Last Friday at 2:41 PM

That sounds awesome

SpyderDev - Last Friday at 2:41 PM

I for one am very excited about this...📷4

Hans_Schmidt - Last Friday at 2:41 PM

How does the $ token owner specify the required # tags?

DeejayQQ - Last Friday at 2:41 PM

Can the same name have different token type?Sorry need time to digest

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:42 PM

Still working out the details. Tron will be posting additional info about the idea soon.

Steelers - Last Friday at 2:42 PM

Cool

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:42 PM

Feedback is wanted!

Tron - Last Friday at 2:42 PM

Q: Was this originally the plan for Ravencoin? A: No. This is in response to the regulatory ramp up in 2018 in some jurisdictions which requires that only known individuals or entities to operate peer-to-peer on certain tokens. For jurisdictions that allow unrestricted peer-to-peer transfer, we strongly encourage use of the original Ravencoin assets. The Restricted Assets are an adaptation to satisfy burdensome, privacy-destroying regulations, with a goal of reducing information replication which makes Ravencoin Restricted Assets a better alternative to those being promoted now.

jaysonb - Last Friday at 2:43 PM

all nodes will validate the transactions not just those interested in the transaction - i assume all will validate..

boatsandhoes - Last Friday at 2:43 PM

so essentially any name already secured in the hopes of having that functionality are worth less because they wont be able to?

theking - Last Friday at 2:44 PM

Can the restricted assets be time based in any way? For instance, in some STO regulated environment, there is a lockup for some period of time after issuance, but then after a certain period of time the restriction goes away and the securities can be traded. Is that contemplated at all?

DeejayQQ - Last Friday at 2:44 PM

If I already have Tron as my asset, there could be another Tron but under a different token type such as restricted assets?

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:44 PM

Yes all nodes will do consensus checks.

corby - Last Friday at 2:44 PM

@boatsandhoes there's going to be a grace period where you can purchase $XXX if you own XXXon the order of months

boatsandhoes - Last Friday at 2:45 PM

📷 📷 📷 📷

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:45 PM

Yes, you have the TRON asset and you can also have the $TRON asset.(edited)

Tron - Last Friday at 2:45 PM

Regarding the lockup....

boatsandhoes - Last Friday at 2:45 PM

how many RVN for that?

Tron - Last Friday at 2:45 PM

Rule 144 under the Securities Act of 1933 This is an important rule to be aware of in terms of privately held securities. This rule provides the most commonly used exemption for holders to sell restricted securities (Note: For context, a restricted security is a security sold in an exempt offering, except for Reg A+). The general idea is that you can publicly resell your “restricted” (privately sold) securities only when the restricted legend is removed. The solution Ravencoin Restricted Assets provides is the ability for the Iissuer to Freeze the asset ininto the holders account. The qty will be visible, and the frozen status will be visible. The meta-data for a Freeze can specify 144_Restricted. The issuer can Unfreeze to release the 144 restriction.Similar for Reg D 1-year lockup.@theking

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:46 PM

@theking ^^

DeejayQQ - Last Friday at 2:46 PM

What is the timeline for this restricted asset to be implemented?📷1

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:46 PM

No timelines yetStill in the ideation phase.

SpyderDev - Last Friday at 2:46 PM

Fresh off the press...

DeejayQQ - Last Friday at 2:46 PM

Ok, idea for nowGot it

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:46 PM

Wanting input for the idea.

boatsandhoes - Last Friday at 2:47 PM

a preset for lock up settings would be nice

Jeroz - Last Friday at 2:47 PM

What about the ability to move an asset from restricted to unrestricted after grace period similar to the reissue ability? By the issuer(edited)

boatsandhoes - Last Friday at 2:47 PM

adjustable preset*

DeejayQQ - Last Friday at 2:48 PM

If this restricted assets would help underlying token listed on exchanges for trading by satisfying the legal requirements, I don’t see why not. There are only benefits📷2

boatsandhoes - Last Friday at 2:48 PM

yeah, win win

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:48 PM

There is something similar in vote tokens.

corby - Last Friday at 2:48 PM

@Jeroz the issuer would be able to "reissue" and relax restrictions

DeejayQQ - Last Friday at 2:48 PM

Just throwing things out here. Can we just make all existing tokens crested so far restricted assets?*created

boatsandhoes - Last Friday at 2:49 PM

stupid question, is it possible to have burned rvn cost for the $ to add onto the block reward as a bonus?(edited)

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:49 PM

No, @DeejayQQ there should be both usecases available in the platform.

corby - Last Friday at 2:49 PM

We (my dog and I) are envisioning a differentiated space where we can charge a lot more RVN to keep non-serious people out..(edited)

Tron - Last Friday at 2:49 PM

@Jeroz Yes, as long as the asset is still "reissuable", you could change the logic from (#KYC & #ACCREDITED) to just #KYC📷3

Jeroz - Last Friday at 2:49 PM

I'm just worrying about the name uniqueness if you can have #BANANA and $BANANA

BW__ - Last Friday at 2:50 PM

Is it fair to assume that tags can be standardized for specific purposes? If so, should we create something akin to an 'ERC' in git repo?

Jeroz - Last Friday at 2:50 PM

@Tron sounds cool

truedev - Last Friday at 2:50 PM

honestly, I think you should be able to buy/create an asset in a set, with all types(edited)

boatsandhoes - Last Friday at 2:50 PM

^that part

Hans_Schmidt - Last Friday at 2:51 PM

Since the #KYC tag is just locked to an address, what prevents someone from selling their address and thereby the KYC?

corby - Last Friday at 2:51 PM

The "#" types won't trade -- they're just stamps to stamp addresses as qualified-to-hold-some-stuff..

Tron - Last Friday at 2:51 PM

The tags are created by the users. The system is still jurisidiction agnostic.

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:51 PM

@Hans_Schmidt nothing really, the same thing as selling your username password to any other existing financial app account.

corby - Last Friday at 2:51 PM

@Hans_Schmidt Real world networks, high cost of entry (for serious applications)For non-serious applications, nothing

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:51 PM

You still have the liability associated with that account though.

Jeroz - Last Friday at 2:52 PM

@corby what about BANANA/ vs $BANANA/ ?Or do you want to make them subassets?

boatsandhoes - Last Friday at 2:52 PM

@Jeroz better safe than sorry, just swoop both

Tron - Last Friday at 2:52 PM

A country could require that #SOMECOUNTRY tag has to exist before moving $SPECIALASSET to an address. The users set the rules. #KYC was just an example because it is an industry problem at the moment.

corby - Last Friday at 2:52 PM

#BANANA, $BANANA, TRICYCLE, and BANANA can all coexist just fine I think..

theking - Last Friday at 2:53 PM

Thanks @Tron. This is great and I think something that will enable raven to become an even more widely used platform.📷4

Tron - Last Friday at 2:53 PM

That's the hope. I think it solves some real problems that the industry is trying to solve through incompatible ERC-20 experiments.📷3

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:54 PM

/hacks📷3

boatsandhoes - Last Friday at 2:54 PM

what is the purposed cost for $ in addition to an existing asset?

corby - Last Friday at 2:54 PM

People that own #THESE I am calling "Qualifiers" -- they just stamp their mark on addresses. Issuers of $THESE need to establish trust with #THESE and #THOSE and then decide what restrictions to apply.📷1

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:54 PM

5 mins left. Stay on this topic or switch to meetup?

Tron - Last Friday at 2:55 PM

@boatsandhoes Not determined.

Jeroz - Last Friday at 2:55 PM

yeah the idea is a nice proof of ownership / membership

DeejayQQ - Last Friday at 2:55 PM

Meetup

Chatturga - Last Friday at 2:55 PM

TL;DR - The SLC meetup is in 1 month. Go to https://www.meetup.com/Salt-Lake-City-salt-lake-city-Meetup/ to indicate if you plan on attending so that we have a somewhat accurate headcount.MeetupSalt Lake City Ravencoin (Salt Lake City, UT)Ravencoin is a blockchain and platform optimized for transferring assets, such as tokens, from one holder to another, and is built on a fork of the Bitcoin code. It is intended to prioritize security,📷

corby - Last Friday at 2:55 PM

@boatsandhoes One Million Raven

Chatturga - Last Friday at 2:55 PM

Punch and pie

J. | ravenland.org - Last Friday at 2:56 PM

Can the SLC meetup made interactive for people that cant make it there?

theking - Last Friday at 2:56 PM

What about having just one name ( you first buy the standard raven token under whatever name you like) and then the holder of the owner token is the only one to create restricted tokens ? Might be some way to ensure no name confusion.📷4

boatsandhoes - Last Friday at 2:56 PM

what about that block reward bonus concept for purchasing $. would that work?

Chatturga - Last Friday at 2:56 PM

I dont know that we have the ability to make it interactive as far as Q&A goes, but I'll look into it. We should have it live streaming. @J. | ravenland.org(edited)📷2

BW__ - Last Friday at 2:56 PM

@Tron Is there same kind of logic layer to restricted assets?(edited)

Tron - Last Friday at 2:57 PM

@theking I like that idea.

Jeroz - Last Friday at 2:57 PM

Quick question that is offtopic but I think deserves an answer because it was asked a couple of times earlier this week: Will unique assets get a reissuable function? To change IPFS.(edited)📷2

Tron - Last Friday at 2:57 PM

@BW__ Yes. Simple and, or, not and parenthesis - limited in length.(edited)

boatsandhoes - Last Friday at 2:57 PM

@theking thats a good idea

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:58 PM

@Jeroz There is not a way to do that currently.

BW__ - Last Friday at 2:58 PM

@Tron That makes sense. Thank you.

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 2:58 PM

Just make sure your changes to the information have the same hash as the previous data and your golden. 📷📷1

Jeroz - Last Friday at 2:59 PM

Any plans on changing that, perhaps when introducing new types of assets?

boatsandhoes - Last Friday at 2:59 PM

i like that it cant be changed

corby - Last Friday at 3:00 PM

Thanks everyone!

theking - Last Friday at 3:00 PM

@Tron there was some info floating around about a 2nd later KYC solution ( from your recent podcast w Crypto Koala). Is that a separate solution someone is working on or part of this new concept?📷1

Tron - Last Friday at 3:01 PM

Starting with the introduction of messaging, every transaction can have an IPFS hash. Can be used as an public invoice, details about the transaction, etc.@theking The same new concept.

[Master] Roshii - Last Friday at 3:02 PM

Ok, we're done.

Steelers - Last Friday at 3:02 PM

How would Raven handle for instance a stock split?

BW__ - Last Friday at 3:02 PM

Are there sync concerns if a restricted asset logic layer is added?

Tron - Last Friday at 3:02 PM

@theking The KYC provider would store the KYC info, and send the Tag to an address with meta data that specifies that they're holding the KYC data. The KYC data would not be public, but could be audited.

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 3:02 PM

That way you could update information about the original unique asset with each transaction.@Steelers Just a simple re-issue of the asset

Tron - Last Friday at 3:03 PM

@bw_ The logic layer is only a small db that stores the meta-data about the Restricted Asset, and enforces the restriction in the consensus rules. Rule returns true/false.(edited)

RavencoinDev (Jesse/Wolfsokta) - Last Friday at 3:03 PM

Thanks everybody! I have to run.

Jeroz - Last Friday at 3:04 PM

I'm looking forward to the discussions to let this take shape. Thanks all! 📷📷4

Tron - Last Friday at 3:05 PM

@BW__ It would work very similarly to the way the units works now. Each asset has number of units and any transaction that makes it too granular (more satoshis) will fail in consensus -- even if it gets past the RPC checks.Signing off. Thanks all!!!📷9📷4📷9
submitted by Chatturga to Ravencoin [link] [comments]

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