PSA: Bitcoin is at an all-time high of $2400 per coin ...

Here is a Market Recap for today Thurs, Oct 8. Please enjoy!

PsychoMarket Recap - Thursday, October 8, 2020
Stocks rose again today, extending yesterday’s frankly unexpected gains, with the major benchmarks opening at their highest levels in about a month. Market participants digested a new round of jobless claims, dimming hopes of stimulus, even for stand-alone bills, and progress in Covid-19 therapeutics following Pres. Trump’s discharge from the hospital.
The Nasdaq (QQQ) finished the day 0.54% up. The S&P (SPY) led the day, up 0.85% and the Dow (DIA) finished 0.48% up.
Today, the Labor Department released their weekly jobless claims report. There were 840,000 additional first-time jobless claims this week, slightly above the 820,000 prediction of analysts. While 840,000 is the lowest level since March, jobless claims have stagnated the past month, a sign of slowing economic recovery. Continuing claims, which are the number of people who have already filed an initial claim and who have experienced a week of unemployment and then filed a continued claim to claim benefits for that week of unemployment, fell below 11 million, dropping almost 1 million compared to the week before. Ian Shepherdson, chief economist at Pantheon Macroeconomics said, “The decline in continuing claims is welcome, but initial claims offer a better read on the real-time state of the labor market, and the downward trend has stalled, more or less.”
According to CNBC, there are still 25.5 million workers claiming some form of unemployment benefits, according to totals through Sept. 19. More than half that total, or about 13.4 million, comes from those collecting under pandemic-related programs set up for those who normally wouldn’t be eligible, showing the toll the pandemic has put on the labor market.
House Speaker Nancy Pelosi further curbed expectations that any form of stimulus will be unleashed before the November election. Today, in response to a bill designed to provide relief to the airline industry, Pelosi said, “There is no stand-alone bill without a bigger bill.” In other words, she opposes passing smaller, stand-alone stimulus bills in the absence of more comprehensive measures. Yesterday, after calling for his representatives to stop negotiations for overarching stimulus, Pres. Trump signaled he would support a smaller, targeted bill. In response to Trump’s recent tweets about stimulus, Ed Mills, policy analyst at Raymond James said, “It’s been the question of the day, as to why we got the tweets we got over the last 24 hours, the market reaction we got into [Tuesday’s] close, and then the rally.” Needless to say, the current market is hyper-responsive to the comments of Trump and other top officials.
Shares of Regeneron (REGN) jumped after the drugmaker said it had submitted a request to the U.S. Food and Drug Administration (FDA) for emergency use authorization of its Covid-19 antibody treatment, which had been taken by President Donald Trump after his Covid-19 diagnosis. In a video on Twitter today, Pres. Trump openly endorsed the move saying “I took this medicine [during his stay at Walter Reed Hospital] and it was incredible.”
In other nice news, the World Trade Organization (WTO) announced that South Korea’s trade minister and the former Nigerian finance minister are the two finalists in the race to become the next director-general. This is the first time a woman will occupy the position of top leader in this organization.
Highlights
"Don't judge each day by the harvest you reap but by the seeds that you plant." -Robert Louis Stevenson
submitted by psychotrader00 to StockMarket [link] [comments]

Here is a Market Recap for today Thurs, Oct 8. Please enjoy!

PsychoMarket Recap - Thursday, October 8, 2020
Stocks rose again today, extending yesterday’s frankly unexpected gains, with the major benchmarks opening at their highest levels in about a month. Market participants digested a new round of jobless claims, dimming hopes of stimulus, even for stand-alone bills, and progress in Covid-19 therapeutics following Pres. Trump’s discharge from the hospital.
The Nasdaq (QQQ) finished the day 0.54% up. The S&P (SPY) led the day, up 0.85% and the Dow (DIA) finished 0.48% up.
Today, the Labor Department released their weekly jobless claims report. There were 840,000 additional first-time jobless claims this week, slightly above the 820,000 prediction of analysts. While 840,000 is the lowest level since March, jobless claims have stagnated the past month, a sign of slowing economic recovery. Continuing claims, which are the number of people who have already filed an initial claim and who have experienced a week of unemployment and then filed a continued claim to claim benefits for that week of unemployment, fell below 11 million, dropping almost 1 million compared to the week before. Ian Shepherdson, chief economist at Pantheon Macroeconomics said, “The decline in continuing claims is welcome, but initial claims offer a better read on the real-time state of the labor market, and the downward trend has stalled, more or less.”
According to CNBC, there are still 25.5 million workers claiming some form of unemployment benefits, according to totals through Sept. 19. More than half that total, or about 13.4 million, comes from those collecting under pandemic-related programs set up for those who normally wouldn’t be eligible, showing the toll the pandemic has put on the labor market.
House Speaker Nancy Pelosi further curbed expectations that any form of stimulus will be unleashed before the November election. Today, in response to a bill designed to provide relief to the airline industry, Pelosi said, “There is no stand-alone bill without a bigger bill.” In other words, she opposes passing smaller, stand-alone stimulus bills in the absence of more comprehensive measures. Yesterday, after calling for his representatives to stop negotiations for overarching stimulus, Pres. Trump signaled he would support a smaller, targeted bill. In response to Trump’s recent tweets about stimulus, Ed Mills, policy analyst at Raymond James said, “It’s been the question of the day, as to why we got the tweets we got over the last 24 hours, the market reaction we got into [Tuesday’s] close, and then the rally.” Needless to say, the current market is hyper-responsive to the comments of Trump and other top officials.
Shares of Regeneron (REGN) jumped after the drugmaker said it had submitted a request to the U.S. Food and Drug Administration (FDA) for emergency use authorization of its Covid-19 antibody treatment, which had been taken by President Donald Trump after his Covid-19 diagnosis. In a video on Twitter today, Pres. Trump openly endorsed the move saying “I took this medicine [during his stay at Walter Reed Hospital] and it was incredible.”
In other nice news, the World Trade Organization (WTO) announced that South Korea’s trade minister and the former Nigerian finance minister are the two finalists in the race to become the next director-general. This is the first time a woman will occupy the position of top leader in this organization.
Highlights
"Don't judge each day by the harvest you reap but by the seeds that you plant." -Robert Louis Stevenson
submitted by psychotrader00 to stocks [link] [comments]

Marijuana was a gateway drug for me.

First read about bitcoin probably in 2011-12. "Oh, another virtual coin, video game money something... Pass.". I've been smoking weed almost everyday in the last 15 years, not a stoner, never smoked before or on the job, i don't drink, i'm a happy educated functional member of this smoke and mirrors modern society, i'm careful with my health, so after all this years that's the thing that makes me hole in this world. Always had a dealer but in the spring of 2017 i got a job in another country, knew nobody so i had to buy from the dark net. Of course with bitcoin. I used it for some months, had a small stash of btc for weed, but still for me was video game money. Buying every other week, of course i watched the prices rising but didn't bother to investigate. After the dip in nov 2017 for the first time i opened a btc chart and because i used to trade stocks for years- (did pretty good until i discovered options)- i saw it crystal clear: the melt-up was coming, i knew i had to buy as an investment for the first time. So i lit up a big one and for the first time began reading and going down the btc rabbit hole. I was fuckin' blown away, that was my btc awakening moment! From then on i was hooked and here i am two years later high on bitcoin craving for more and more. For the newbies, don't trade, i rarely do it and even then, only swing trade. And never futures, options, any of that shit. There are a lot of people smarter than you. And a lot of bots, definitely smarter than you. One more thing, many thanks to this wonderful community. Thank you marijuana! The end. Out.
submitted by bitcoinmunchies to Bitcoin [link] [comments]

/r/ethtrader quickstart guide - Acronyms, Jargon, and Personalities.

Hi there new ETH investor and/or new /ethtrader community member! Glad to have you aboard. We are a pretty lively bunch around here; inside jokes, memes, and jargon run rampant.

I figured I would create a sort of glossary to help you figure out what the actual fuck we are talking about.

Acronyms (thanks decronym)

BGD: Big green dildo, as in a big green candlestick on the price chart.

BTFD: Buy the fucking dip.

ATH: All time high, the highest price of a thing ever, 1400ish for ETH.

FOMO: Fear Of Missing Out, the urge to jump on the bandwagon when prices rise.

DeFi: Decentralized Finance, MakerDAO and Dharma and stuff. Loans basically.

CDP: Collateralized debt position. A DeFi thing.

FUD: FeaUncertainty/Doubt, negative sentiments spread in order to drive down prices.

MEW: My Ether Wallet, a website to make and interact with wallets.

TA: Technical analysis, predicting the future of the price based on the past.

2FA: 2 factor authentication, its a security thing, a second password of sorts.

ERC20: The standard for tokens built on ETH.

POS: Not piece of shit, or point of sale. Proof of stake, the new consensus mechanism coming to ETH soon™.

ICO: Initial coin offering, the birth of a new crypto, usually an ERC20. Like an IPO.

IEO: Initial exchange offering, like an ICO, but typically a bit more scammy.

EZPZ: e_z_p_z_, more on him later...

BAT: Not the animal, Basic Attention Token

OMG: Not oh my god, well sometimes oh my god, but mostly OmiseGo. Pronounced OH-ME-SAY GO btw.

MKR: MakerDAO.

REP: There is too many tokens to list here, just google it you will figure it out.

DYOR: Do your own research. People want to steal your money. Make sure you know what you are buying.

LN: A silly bitcoin thing.

GDAX: The old name for Coinbase Pro.



Jargon

Bull: Confident the price will go up.

Confidant: misspelling of confident from e_z_p_z_. More on him later...

Bear: Confident the price will go down.

Cuecomber: Cucumber, another EZPZ classic. Can be used as in cool as a cucumber, or as in BGD (see? now you know what BGD means, damn this guide is helpful.)

The ratio: The trading pair ETH:BTC.

The flippening: The ETH marketcap being bigger than the BTC marketcap. Coming soon™ .

Soon™: The release date for everything crypto related.

Donuts: Like reddit karma but /ethtrader specific, and infinitely more valuable. Legend has it that if you get 10 million donuts Vitalik sends you 10 ETH for every 1 ETH you send him. The name comes from cyounessi's post here.

Moon: The price where you can buy a lambo.

Mooning: The price increasing rapidly. Maybe exposed butts depending on how you choose to spend your money.

Moonboy: A hopelessly optimistic/greedy person.

$13: The price was stuck here for a long time. Dark days for /ethtrader.

$420: The top of the bull market before last. Also weed dude hehehe.

$300: The price was stuck here for what seemed like forever. Oh how easy we had it back then...

$324: EZPZ's number. More on him later...

$80: The bottom of the previous bear market. We will definitely never see this price again.

HODL: Hold. From here.

SODL: Sold, same as above.

BUIDL: Build, you get the pattern.

Golden cross: Moving averages of prices crossing. A TA thing.

FIAT: Not the car. Fiat Money. USD, euros, pounds and so on.

Sharding: An ETH scaling method. Don't make sharting jokes, they anger Vitalik.

Ramen: The meal of choice when the price goes down.

Pamp: Pump

Bogdanoff: This. Just... Don't ask...

Weeks not months: In reference to Joe Lubin's prediction for ETH futures coming out. It has been 75 weeks since he said this.

The Winklevii: Founders of Gemini Exchange, the facebook guys.

Updoot the diddly: Or anything with that vague collection of letters, Upvote the daily discussion.

JT's fire pit: jtnichol posts pictures of food he is cooking in his backyard fire pit. Those posts make you hungry.

The DAO: Tumultuous times in ethereum history to say the least.Further reading here.)

Personalities

vbuterin: The founder of Ethereum. We really really like him.

Joe Lubin: Co-founder of Ethereum, founder of ConsenSys. Memes aside. We like him.

carlslarson: Creator of /ethtrader. Overall good guy.

jtnichol: A mod of /ethtrader. Overall sweetheart.

The rest of the mods: Too many to list. It's a great group of people. They won't give you any trouble if you aren't being a dick.

dcinvestor: DC is a smart guy with good opinions. We really like him.

E_Z_P_Z_ the undisputed meme champion. A genuine crazy person. Made a bad sell on the way up, and wrote lengthy posts about how ETH was going back to $324 multiple times a day for months, often times with terrible spelling and grammar. When ETH did hit 324 he became something like a local hero. He is the heel of /ethtrader and we all love to hate him.

lamboshinakaghini: A fool, not to be trusted.

scienceguy9489: He used to regularly post TA. Sometimes he was right, sometimes he was wrong. The crucial thing was that he was memeable. He started to get a bit of an ego going, and was deleting his posts that were wrong, and keeping the correct ones. He recently made a return to /ethtrader and made a post that ETH was going to moon on a certain day and it ended up not being correct, which was just fuel on the meme fire. He goes by etherdamus now and runs a private TA group which has a fee to join.

singlestateserenity: He posts a haiku in the daily every day until we flippen bitcoin. Reading a nice haiku is a pleasant way to start your morning.

Everyone else: Well you will see them around and catch the vibe. There are just too many lovable and hateable people to list.
submitted by LamboshiNakaghini to ethtrader [link] [comments]

Why this is a great period for XRB and the correction is really healthy

Ive been seeing many posts lately from folks worried about the 2/3rd drop; it is natural to be worried especially if you got in at 25 or 30. However here are a few points that I would like to share from 2 years of experience in crypto
  1. What goes up has to come down. XRB shot up from nowhere to right among the top. From 200+ in CMC with volume of less than 500k a day early in December to as high as #14 CMC with volume of 90m per day. Even by crypto standards, this is just nuts! Throughout this discovery period, there was no support lines anywhere. (looking at the log charts) It just kept on going up. Now a correction helps build support levels, and gives more people the chance to buy xrb at lower prices. This is a simple CMC log chart that shows the real picture. the btc charts also follows a similar pattern. If you are to draw fib lines, the retracement hasnt even reached the 38.2 level which is a standard correction level. From 10 c to as high as 34 is a phenomenal increase that very few coins go through in one swing. XRB did that, now it needs to cool off and build for the next leg. Rest assured smart money is buying in now - "Be fearful when others are greedy, be greedy when others are fearful"
  2. Early in December no one knew of XRB. Now most of the crypto world is atleast aware of XRB. It is getting constant attention from YouTubers, on the front page of CC sub, even got featured in the Weiss ratings. If the Weiss ratings was released a month back, XRB would not have made it. Now since XRB is getting deserved attention, more people are looking at it and being in the top 50 coins is a great place to start. It is still early days and I will gladly take a "fair" rating from one of the leading investment rating company - that shows that with good progress, the rating can easily improve.
  3. Development is at an all time high. This is the most important metric imo. New p2p fiat exchanges are coming Rai.Trade. New Crypto exchanges are coming - Bnb, rai.exchange. Many smaller merchants are adopting XRB - these are the grassroot adopters that will influence large merchants to slowly adopt XRB. No big online merchant is going to adopt a coin out of the blue when no small merchants adopt it. Bitcoin started off with small merchants adopting it, and over time Overstock and Stripe added it. New wallets (both official and community) will come out anytime now.
  4. The coin still has to shake off some of the rocks tied to its feet. I dont care what other say, actions of people like bomber are simply unacceptable in this day and age. I have never seen a more disgraceful series of actions from anyone anywhere in crypto. Even outright scammers like Joost and Bitconnect have the grace to disappear into sunset - but bomber is actively taunting users and throwing FUD at developers who are working hard every day, thus undermining everything that the community stands for. There is no excuse for his latest outbursts at Troy who as a community manager is in the direct line of fire with people asking him about withdrawals every single hour. The cheap shots fired by Bomber are absolutely without any class. Without XRB no one is giving BitGrail a second look. With XRB's rise BitGrail is now a household name (undeservedly!) with many posts talking about it on the front page of CryptoCurrency sub with a visibility of over 500k users! He is virtually riding XRB's coat-tails yet has no decency whatsoever and his actions speak volumes for his character. Hopefully upcoming changes over the next few weeks can weed out such influencers.
Overall the outlook is extremely bright for the upcoming months!
submitted by coldstonesteeevie to RaiBlocks [link] [comments]

Cryptocurrency markets challenges and solutions

This has been bugging me for a while so thank you for endulging my rambling. TL;DR at the end.
I'd like for everyone to just think about what we're trying to do here. Don't forget what the ultimate goal is. Anyone remember? Is it to make a profit? No, that's a secondary goal. The primary goal is to develop widespread adoption of cryptocurrency as an alternative to fiat currency. Anyone remember this lofty goal or did we all forget this while chasing 30% daily price swings. We're trying to complete with USD, GBP, EUR, and CNY, remember?
This is EUR vs. USD. You'll note that this is all data (or click on "All" button on the bottom), going back to 1993 through today. What do you notice? You'll notice an open of $1.22 to €1. After a few months, it fell about 10%, then rose up 24% over the next two years only to drop about 40% over seven years and then almost doubling over eight years only to drop about a third in the last ten years to where it is today - almost where we were 25 years ago (approximately).
This is BTC vs. USD. You'll note that this is all data going back to 2011. During the last seven years it has... oh my God are you kidding me?! This is LTC vs. USD.
Let's not forget what we're talking about. We're talking about currency. For currency to be used, it needs to be relatively stable. Now compare the charts above. Let's say we created a new country called Cryptonia. Which of these would you like to use as currency? EUR? BTC? LTC? My money is on EUR. Why? Because it's relatively stable.
Now let's fast forward a bit and pretend that Cryptonia has adopted Litecoin as its official currency. Our largest trading partner is the US. How would transactions between merchants work in this scenario, taking into account the last few days. I'll use the following prices:
Let's run through a transaction:
1/16
1/17
1/18:
Conclusion:
This works both ways as far as you can do the math in USD vs. LTC to see how this screws over at least one party due to the wild price swings. Note: fiat currency does the same thing with one key difference explained later on.
Don't forget that this is all within 3 days. Now sure, obviously the last few days isn't something that happens every day ... but doesn't it? Look at the examples of EUR:USD. Any sharp spikes or drops have taken months to execute - enough time for relative prices to adjust. Look at cryptocurrency prices - the swings (from a percentage basis) are wild on a regular basis. In short, cryptocurrency isn't acting like currency. It's acting like an asset and not just an asset but a highly speculative one. The IRS is right to treat it like an asset because if it looks like an asset, and it acts like an asset, then it is an asset.
Where do I believe this should go? I believe cryptocurrency market needs to mature. I believe these drastic price swings need to stop. When will this happen? I believe it'll happen when the cryptocurrency market reaches a happy plateau where the market cap has reached a point where the buyers and sellers mostly eliminate one another and the relatively large price swings - from a percent point of view - are as boring as Mr. Stein. EUR vs. USD went up 0.03% today. 0.03%. In LTC-speek, that's going up $0.58 for the whole day. Oh and it was a wild ride too. Why it went all the way down to $1.21697 and all the way up to 1.22645. I know, I know - tie me down because I'm out of control.
Is this the only problem? No. Cryptocurrency has another problem and that's the sheer number of types of coins available. How many coins are available? 1,448. Nearly 1,500 coins all competing with each other for market share. We have Bitcoin at about $200b all the way to something like Digital Money Bits (DMB, an appropriate acronym). What is it? Who cares, it's worth $3,832. Not $3.832 billion or million but literally $3,832 with a volume of $35,509 today and hey, just this June, its market cap reached an all time high of $62,000! You missed the recent run-up though and boy did you miss it. On January 1st, its market cap was worth almost five hundred dollars! Yep, about two Litecoins! But look at it now - it went from $500 market cap to $3,832 in less than three weeks. Clearly this one is shooting to the moon.
This is a problem. Decentralization has an unfortunate side effect of - duh - nobody being in charge. There's no real clearance for these and some people with a little bit of money can literally copy and paste a whitepaper and have this chart and have a serious valuation of almost $17b from $140 million in literally 30 days. This doesn't act like a currency either. This is a problem.
Don't forget, this isn't like the dot-com era. We're not launching IPO's and .com companies that have different ideas. Amazon isn't like Ebay, or Google, or Yahoo, or Facebook or anything else. They all have different ideas for different segments of the population. We are in the cryptocurrency market. The world today has 180 fiat currencies. Cryptocurrency market is approaching 1,500. We need to trim the fat and the outright forgeries. Market cap isn't enough to weed them out. There needs to be something, a stabilizing force, that should act as a clearinghouse for launch of new cryptocurrencies. The market has failed to destroy shitcoins. Heck, it rewarded them based on lies, paid endorsements, FOMO, and FUD for other coins. This doesn't help the cryptocurrency market. It helps a few people get really wealthy really quickly and you are left holding the bag, so to speak. Should coins only be allowed to be introduced when its network reaches a certain hash rate? Isn't that the only objective point of value we have - number of mathematical calculations and power used in those calculations? You can't fake that.
What's another problem with cryptocurrency? It's what it represents. The governments don't see crypto as a positive force. After all, it directly competes with their own currencies. Can the governments shut this down? No - this is the Internet, after all. But they can kill it in other ways. I don't know how many people here remember but my first brush with Bitcoin was the ransomware viruses which wanted $300 in Bitcoin to unlock files. Bitcoin was seen as something tied to illegal activities. If governments - and let's say the US, South Korea, and China in particular - ban Bitcoin and cryptocurrencies in particular then what they'll really do is make transactions illegal. What's the on-ramp and off-ramp to/from crypto? The banks which are already regulated. Now let's say you're in the US, your bank account is tied to your Coinbase account and you have some cryptocurrency. US issues a regulation which states that trading cryptocurrency is now illegal. It issues orders to all US banks to shut down related accounts. The following things will happen: cryptocurrency prices will tank and everyone is going to scramble taking money out which would likely overload the system, causing massive delays.
But let's say you're left holding your crypto and it's been a month. What can you do with it? Not much. Crypto isn't accepted in enough places yet. You can continue holding, hoping the price and ability to extract will come back one day. After all, you can't get your money back. Your bank closed your related account. You can open another one at any new bank but they'll either ban you from connecting your account to Coinbase or they'll confiscate any money coming from Coinbase and charge you with a crime. Now have the governments banned crypto? No - you can use and trade crypto all you want since it can't be traced. But have they effectively? Yes. Ironically, it's the banks that'll save us and I think that's why Ripple blew up. After all, if you have a cryptocurrency that sucks the bank's [censored] and plays along, you can get:
I think that's why something like Ripple blew up - because it doesn't care much about regular people, it wants to be the speedy highway for bank<->bank transfers.
What's a solution to this problem? More regulation and playing nice with the governments. Crypto isn't going mainstream if you shut out all governments. It needs to be connected. This means working with regulators to make sure that KYC laws are followed, that people report and pay money on any gains, and that - to a point - there's some supervision and tracing of transactions in a way that if you're robbed, you can get your money back. This will create a new job field, which - considering our current growth - will create a whole slew of high-paying white-collar jobs. Considering the high-level of transactions, banks would start this, followed by private companies, governments, and law-enforcement agencies. A good way to start this is what CBOE and CME have started to do - legitimize the currency. This is a foot in the door to the real holy grail: FOREX markets. When it's legitimized and not in serious competition with governments, it'll be embraced and its availability - along with instant transfers and low fees - will be widely supported by serious platforms.
Until these problems are fixed, the cryptocurrency market will remain what it is today: a speculative asset and not a currency. During the time it's taken me to write this post, Litecoin has gone up 2.6%. Euro remains at 0.03% gain.
Thanks for reading!
TL;DR
submitted by SsurebreC to LitecoinTraders [link] [comments]

I just ODed on Hexen. Again.

So this is the 2nd or 3rd post im making in /researchchemicals about ODing on Hexen... Starting to wonder why I keep getting wonky batches....... Fucking kidding ha, its me. Anyways, this is a tad edited from it's original on /Drugs so it fits the meta? (is that the right word?) here.
Edit: BTW: None (maybe just 1) of my OD's on Hexen have been life threatening. I feel like I made that kinda clickbaity. Sorry. I'll probably make a lot of edits until I take my Etizolam.. So check back in the mourning! Here is the first OD post I made. And Here* is the second. *Its VERY Long, See the 4th paragraph under day 3.
I was stimmed when I wrote this.. I reread it before I submitted it, (no longer that high), and I feel like this is required. Just read the double quoted paragraphs (like this one) for the human version. Or all of it, I think it's awesome. But I'm on drugs sooo...
  So I'm a bit of a Hexen fiend. I'm the freak who wrote the self-proclaimed "guide to end all guides" on Hexen. Click that link or find it in submitted history, Specifically Jan. 1, 2017 (remember that date)). [email protected] triple parenthesis. ANY FUCKEN WAY:

PSA/Story Time Starts Here:

The last time I used Hexen I totally overdid it. The binge started on the way over to a college town my buddy goes to school at. Snorting Hexen all the way down. Well, the Hexen never stopped (does it ever?). And I eventually ended up mixing in alcohol, BHO dabs, and acid (LSD blotter, I assume 100μg±(a bit) cut into 3rds. A big dose for me; considering the other drugs in me, and that I can count my acid trips on one hand, AND that my highest acid dose was a tab and a half also 100μg±. And I went from December 30 AM - January 3 PM (yes that guide I wrote was born in the midst of this chaos, while everyone was sleeping off their new years hangovers). And don't get on my shit for calling it BHO, I'm not a big weed/THC guy. Idk if it was actually made with butane, but it was the Everclear of weed jah feel? I even got to use the e-nail dab rig (which I broke before the weekend was over*) to vape the Hexen. I'm still not 100% sure I'm the one who broke it, *(no one is, we were all fucked up), but fair warning, dropping room temperature chemicals on to your friends 500-700°F nail, will get you blamed for any cracks that are on it the next day. The center chiminey part of the nail cracked off. Side note: None of those pictures are mine, just examples from the internet.
One could argue that Hexen, to VyvancePlzLetMeSleep, has evolved from a research chemical to a recreational chemical.
So 4 days and some change on mainly Hexen with other drugs here and there. Pretty much the definition of a medium-rare stimulant binge. Welldone - burnt being 6 - 7+ days, imho ofc. But like I said, this is Hexen, a cathinone, even "bath salts" is a legitimate (albeit farfetched) title. Four days on this shit, I think, will drive a well-rounded drug user insane (I've seen it on the IRC, video chatting with some of you fucks lol), an experienced amphetamine user will be much better off, but but even they have a snowballs' chance in an e-nail to come out unscathed. Me being somewhere in the middle, I was not doing too hot towards the end. But I had blown through 6.5 grams, and ended that binge doing lines about 100mg X2 (per nostril).
Needless to say, I took a break from Hexen after that one. It threw me into a crippling depression; it didn't help that my baseline w/o drugs is slightly depressed. It took a month, and ofc, some change (cause time is money), to feel like ~97.6% myself again.
But when I was approximately 2.4% away from my normal depressed and self-loathing self, I sprung for some more Hexen. Now I may be an addict, I may also have a deathwish, but I DO NOT want to repeat my new years, uhm "party". So being the smart speed freak I am I only bought one gram of Hexen, and a cute little dropper of Etizolam with 100mg. I might post that picture on a subreddit about drugs, and stashes with closeups high rez shots of the Hexen powder. I hear you can sell Reddit karma for bitcoin nowadays. and we all know what bitcoins are good for. So the PSA really is about to start in the next paragraph. Imma bold more shit so people can skip over paragraphs I spent a decent amount of time typing :(

Actually PSA Is Here Fuck the headlines. Follow the " "Double Quotes" "!

TL;DR For the Story: I binged Hexen, and was taking 100mg rails 2 at a time back on new years. When I recovered from the feeling like shit following said binge, I bought 1 gram of Hexen and 100mg Etizolam.
  Now you're caught up, asshole. Present day: I've had the Hexen for a few day's but I've been kinda scared to take it, cause I have an issue with stopping once I start. But I sprung for it today. I'm pretty good at eyeballing this stuff, I've done 100±(some change) lines all measured. And well over 200 lines eyeballed. So I dump a big pile out on my iPad (I'm a G), not to do it all, but start cutting up lines. I taste it (my ghetto way to make sure it's Hexen. DON'T RELY ON THIS UNLESS YOU'RE ME. It tasted a tad weak but w/e it atleast tastes like Hexen) I pull two beautiful 60mg±5 lines out of the snowy mountain. After I admire my artwork for a bit, I go to town. Right nostril first (He's my fav). Wowowowow. "The burn means it's working" - My wonderful mother. Im feeling goooood. Euphoric, stimmy (the scatterbrained kind, not razor focus, not for everyone, but its def. for me), and my heart is pumpin. 5 minutes pass and the rush has died down. So I rail the next line in the other nostril putting me at 120mg insufflated at once (5 minutes is insignificant in the long run (1.5 hr long run lol), it only makes a difference in the initial 15 minutes of the experience).
 
So I have insufflated 120mg of Hexen after 2.75 months of not using. (Not using Hexen that is, I still drank like a.. something that drinks a lot). 10 ish minutes of that rush I love more than myself. I was feeling good for another 5 minutes ±(some change), but then the euphoria dropped off. And I felt like shiiit. Headache, stomach ache, everything ache, my heart was pounding like a rabbit fucking its sister. And when I went to feel my pulse on the carotid blood tube (your neck artery/vein, school me plz, druggit biologists) I felt literally nothing. Very light headed. My mind was racing around like oh shit I gotta do this, imma do this, wait what was I gonna do, oh yeah I gotta do this... You know overstimulation, not fun shit. It's kinda funny but some guy wrote an awesome guide on Hexen, I'll quote it later, as it defines what just happened to me with about 85% accuracy.
PSA: About fucken time... JUST BECAUSE YOU USED TO BE ABLE TO TAKE A BIG DOSE DOESN'T MEAN YOU CAN TODAY. No fucken shit? But you'd be surprised. I'm not the brightest drug user out there, but there are plenty dumber than me, I've seen them come and sadly go. I think the only limit to how dumb some (by no means do I imply all) drug user can get, is the amount of disposable income they have. Tolerance goes up and down, surprisingly fast with some drugs (to me at least). Best to start off small, and work your way up. Always. But ESPECIALLY if you have never tried something before, and EVEN MORE SO ESPECIALLY IF YOU HAVE, BUT IT WAS A LONG TIME AGO. You might have some delusions of safety/ comfort that are 100% not warranted.
To remedy the situation, I took 1mg Etizolam sublingually 25 minutes after dosing Hexen, in hopes this would slow down my mind and body. 5 minutes later I threw up (combination of drip taste, general feeling of nausea). So I stuck .5mg etizolam under my 3rd favorite organ again just to be safe. That DEFINITITLY helped. The only negative I was left with 15 mins after etizolam, was a headache. And why the fuck would etizolam fix a headache. I'm gonna take ibuprofen now that im clear headed and thinking strait-ish (about 2 hours after the Hexen.)

One last thing. You may leave now. I'm gonna finish this wall of text now. There will probably be a TL;DR:, at the bottom but mine are usually useless.

  It's strange when you can tell yourself I TOLD YOU SO. Here's the portion of the chart I said I would quote. I made this to be as general as possible, combining all effects across all my test subjects, so for this specific incident, I bolded what happened to me crossed out what didn't, and [added extra info like this].
 
Dose (mg) Dose specific effects.
100-150 Increase in all physical effects and a notable decrease in [complete loss of] euphoric feelings. The key effect of this range is the addition of a n uncontrollably [I had little to no] shakiness in the body that will slowly begin. The shakes are Hexen's number one warning sign that you should not continue dosing. The euphoria is decreasing [gone], but decision making is so impaired a user is very susceptible to feelings of needing more [This is true on a bender, however on my single dose, I felt so shitty, there was 0 redose compulsion]. Blood circulation is extremely poor at this dose. I have seen peoples faces turn blueish due to lack of blood [very slight, but noticeable around the lips]. Uncontrollable and repetitive motions (thinky tweaky meth head) are common. Delusions are strong [present]. Thoughts start to become psychotic [I take antipsychotics daily when not doing acid. It takes me longer to experience psychotic effects that others.]. A person on this level is in the most danger because they will feel invincible, and are prone to irrational and physically challenging actions [Did not happen at all. I felt so shitty, I wanted to just sit in my chair and die. The etizolam helped a lot.]
  Well that table kinda looks like shit.. SO it has been about 3.5 hours since I took the Hexen. 3 hours since I took the Etizolam. 45 minutes since I took the ibuprofen with a decent amount of milk. And I feel back to normal. I'm gonna give her another go. This time with 50mg measured on a scale haha. I am slightly nervous, but I have to, for science. I did taste it, and it tasted like Hexen, albeit weak. It is entirely possible I got a bunk batch, I mean it is a research chemical. And FUCK do I learn a lot about formatting reddit text posts when I take stims.
TL;DR: Binged on Hexen for New Years. Went to hard. Took a break. Came back with a bang; dose slightly smaller than what I ended my binge with. Ended up ODing (not life threating). I took benzos, Advil, Milk, and a few hours, and I feel better, so I'm gonna take more Hexen. Wish me luck.
submitted by VyvancePlzLetMeSleep to researchchemicals [link] [comments]

Do not take your usual dose after a long break from any drug!! PSA/Story Time...

I was stimmed when I wrote this.. I reread it before I submitted it, (no longer that high), and I feel like this is required. Just read the double quoted paragraphs (like this one) for the human version. Or all of it, I think it's awesome. But I'm on drugs sooo...
  So I'm a bit of a Hexen fiend. I'm the freak who wrote the self-proclaimed "guide to end all guides" on Hexen. Use that link, or check my submission history, Specifically Jan. 1, 2017 (remember that date)). [email protected] triple parenthesis. ANY FUCKEN WAY:

PSA/Story Time Starts Here:

The last time I used Hexen I totally overdid it. The binge started on the way over to a college town my buddy goes to school at. Snorting Hexen all the way down. Well, the Hexen never stopped (does it ever?). And I eventually ended up mixing in alcohol, BHO dabs, and acid (LSD blotter, I assume 100μg±(a bit) cut into 3rds. A big dose for me; considering the other drugs in me, and that I can count my acid trips on one hand, AND that my highest acid dose was a tab and a half also 100μg±. And I went from December 30 AM - January 3 PM (yes that guide I wrote was born in the midst of this chaos, while everyone was sleeping off their new years hangovers). And don't get on my shit for calling it BHO, I'm not a big weed/THC guy. Idk if it was actually made with butane, but it was the Everclear of weed jah feel? I even got to use the e-nail dab rig (which I broke before the weekend was over*) to vape the Hexen. I'm still not 100% sure I'm the one who broke it, *(no one is, we were all fucked up), but fair warning, dropping room temperature chemicals on to your friends 500-700°F nail, will get you blamed for any cracks that are on it the next day. The center chiminey part of the nail cracked off. Side note: None of those pictures are mine, just examples from the internet.
So 4 days and some change on mainly Hexen with other drugs here and there. Pretty much the definition of a medium-rare stimulant binge. Welldone - burnt being 6 - 7+ days, imho ofc. But like I said, this is Hexen, a cathinone, even "bath salts" is a legitimate (albeit farfetched) title. Four days on this shit, I think, will drive a well-rounded drug user insane (I've seen it on the IRC, video chatting with some of you fucks lol), an experienced amphetamine user will be much better off, but but even they have a snowballs' chance in an e-nail to come out unscathed. Me being somewhere in the middle, I was not doing too hot towards the end. But I had blown through 6.5 grams, and ended that binge doing lines about 100mg X2 (per nostril).
Needless to say, I took a break from Hexen after that one. It threw me into a crippling depression; it didn't help that my baseline w/o drugs is slightly depressed. It took a month, and ofc, some change (cause time is money), to feel like ~97.6% myself again.
But when I was approximately 2.4% away from my normal depressed and self-loathing self, I sprung for some more Hexen. Now I may be an addict, I may also have a deathwish, but I DO NOT want to repeat my new years, uhm "party". So being the smart speed freak I am I only bought one gram of Hexen, and a cute little dropper of Etizolam with 100mg. I might post that picture on a subreddit about drugs, and how bautiful they are, with closeups high rez shots of the Hexen powder. I hear you can sell Reddit karma for bitcoin nowadays. and we all know what bitcoins are good for. So the PSA really is about to start in the next paragraph. Imma bold more shit so people can skip over paragraphs I spent a decent amount of time typing :(

Actually PSA Is Here Fuck the headlines. Follow the " "Double Quotes" "!

TL;DR For the Story: I binged Hexen, and was taking 100mg rails 2 at a time back on new years. When I recovered from the feeling like shit following said binge, I bought 1 gram of Hexen and 100mg Etizolam.
  Now you're caught up, asshole. Present day: I've had the Hexen for a few day's but I've been kinda scared to take it, cause I have an issue with stopping once I start. But I sprung for it today. I'm pretty good at eyeballing this stuff, I've done 100±(some change) lines all measured. And well over 200 lines eyeballed. So I dump a big pile out on my iPad (I'm a G), not to do it all, but start cutting up lines. I taste it (my ghetto way to make sure it's Hexen. DON'T RELY ON THIS UNLESS YOU'RE ME. It tasted a tad weak but w/e it atleast tastes like Hexen) I pull two beautiful 60mg±5 lines out of the snowy mountain. After I admire my artwork for a bit, I go to town. Right nostril first (He's my fav). Wowowowow. "The burn means it's working" - My wonderful mother. Im feeling goooood. Euphoric, stimmy (the scatterbrained kind, not razor focus, not for everyone, but its def. for me), and my heart is pumpin. 5 minutes pass and the rush has died down. So I rail the next line in the other nostril putting me at 120mg insufflated at once (5 minutes is insignificant in the long run (1.5 hr long run lol), it only makes a difference in the initial 15 minutes of the experience).
 
So I have insufflated 120mg of Hexen after 2.75 months of not using. (Not using Hexen that is, I still drank like a.. something that drinks a lot). 10 ish minutes of that rush I love more than myself. I was feeling good for another 5 minutes ±(some change), but then the euphoria dropped off. And I felt like shiiit. Headache, stomach ache, everything ache, my heart was pounding like a rabbit fucking its sister. And when I went to feel my pulse on the carotid blood tube (your neck artery/vein, school me plz, druggit biologists) I felt literally nothing. Very light headed. My mind was racing around like oh shit I gotta do this, imma do this, wait what was I gonna do, oh yeah I gotta do this... You know overstimulation, not fun shit. It's kinda funny but some guy wrote an awesome guide on Hexen, I'll quote it later, as it defines what just happened to me with about 85% accuracy.
PSA: About fucken time... JUST BECAUSE YOU USED TO BE ABLE TO TAKE A BIG DOSE DOESN'T MEAN YOU CAN TODAY. No fucken shit? But you'd be surprised. I'm not the brightest drug user out there, but there are plenty dumber than me, I've seen them come and sadly go. I think the only limit to how dumb some (by no means do I imply all) drug user can get, is the amount of disposable income they have. Tolerance goes up and down, surprisingly fast with some drugs (to me at least). Best to start off small, and work your way up. Always. But ESPECIALLY if you have never tried something before, and EVEN MORE SO ESPECIALLY IF YOU HAVE, BUT IT WAS A LONG TIME AGO. You might have some delusions of safety/ comfort that are 100% not warranted.
To remedy the situation, I took 1mg Etizolam sublingually 25 minutes after dosing Hexen, in hopes this would slow down my mind and body. 5 minutes later I threw up (combination of drip taste, general feeling of nausea). So I stuck .5mg etizolam under my 3rd favorite organ again just to be safe. That DEFINITITLY helped. The only negative I was left with 15 mins after etizolam, was a headache. And why the fuck would etizolam fix a headache. I'm gonna take ibuprofen now that im clear headed and thinking strait-ish (about 2 hours after the Hexen.)

One last thing. You may leave now. I'm gonna finish this wall of text now. There will probably be a TL;DR:, at the bottom but mine are usually useless.

  It's strange when you can tell yourself I TOLD YOU SO. Here's the portion of the chart I said I would quote. I made this to be as general as possible, combining all effects across all my test subjects, so for this specific incident, I bolded what happened to me crossed out what didn't, and [added extra info like this].
 
Dose (mg) Dose specific effects.
100-150 Increase in all physical effects and a notable decrease in [complete loss of] euphoric feelings. The key effect of this range is the addition of a n uncontrollably [I had little to no] shakiness in the body that will slowly begin. The shakes are Hexen's number one warning sign that you should not continue dosing. The euphoria is decreasing [gone], but decision making is so impaired a user is very susceptible to feelings of needing more [This is true on a bender, however on my single dose, I felt so shitty, there was 0 redose compulsion]. Blood circulation is extremely poor at this dose. I have seen peoples faces turn blueish due to lack of blood [very slight, but noticeable around the lips]. Uncontrollable and repetitive motions (thinky tweaky meth head) are common. Delusions are strong [present]. Thoughts start to become psychotic [I take antipsychotics daily when not doing acid. It takes me longer to experience psychotic effects that others.]. A person on this level is in the most danger because they will feel invincible, and are prone to irrational and physically challenging actions [Did not happen at all. I felt so shitty, I wanted to just sit in my chair and die. The etizolam helped a lot.]
  Well that table kinda looks like shit.. SO it has been about 3.5 hours since I took the Hexen. 3 hours since I took the Etizolam. 45 minutes since I took the ibuprofen with a decent amount of milk. And I feel back to normal. I'm gonna give her another go. This time with 50mg measured on a scale haha. I am slightly nervous, but I have to, for science. I did taste it, and it tasted like Hexen, albeit weak. It is entirely possible I got a bunk batch, I mean it is a research chemical. And FUCK do I learn a lot about formatting reddit text posts when I take stims. Seriusly check out the source of this post.
I'm gonna x-post this to /reseachchemicals, with come minor edits, here.
TL;DR: Binged on Hexen for New Years. Went to hard. Took a break. Came back with a bang; dose slightly smaller than what I ended my binge with. Ended up ODing (not life threating). I took benzos, Advil, Milk, and a few hours, and I feel better, so I'm gonna take more Hexen. Wish me luck.
submitted by VyvancePlzLetMeSleep to Drugs [link] [comments]

First Reddit Post, my key financial lessons of 2017

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

📷Volatility of Different Investments

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

Bonds/Equities Out/Underperform Over Time

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

US Credit Spreads

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

The OpenVisionZ Blog #11 Mr. Peter Panda the Bear Cat Gave Me Toxoplasmosis

The OpenVisionZ Blog #11 Mr. Peter Panda the Bear Cat Gave Me Taxoplasmosis

The OpenVisionZ Blog #11 Mr. Peter Panda the Bear Cat Gave Me Toxoplasmosis

his is just going to be a freestyle blog about the heroism resulting in the assisted rescue of Mr. Peter Panda Bear the Catsubsequently giving me Toxoplasmosis.

So I have a cat, the cats name is Mr. Peter Panda Bear the Cat he is a feral cat and has probably given me Toxoplasmosis. The Mr. Peter Panda Bear the Cat story starts with him being stuck about 60 feet up in a bulimic tree right outside of my window. Panda was crying like the little bitch, so I say that to give some audio perspective
Mr. Peter Panda Bear the Cat likes to sex up my feetsies and cuddle at night, the fucking my feet he probably derived from me, I like to give him a little tickle on the nuts once and a while and that usually gets him fired up, but not to digress I am going to explain why and what I did to adopt this little fucking bear cat and save him from the tree he was stuck in, and the reason why I think he has given me Toxoplasmosis and could be the first Professional Colombian Jiu-Jitsu Feline Champion of America
So the day starts off with smoking pot as usual, I started to hear a faint cat cry and then it got a bit louder, so I look out my window and what do you know there is a cat stuck in the tree next door and it's kinda wedged in a crux of the tree what I would would call the vagina of the tree branch, and this cat was crying like a little bitch, so I paid it no mind and carried on with my weed smoking and shut the window cause who gives a fuck that a cats in a tee they do that for birds and a panorama vista.
So a few hours went by and the crying was getting more annoying and more annoying and I decided to throw rocks at him...I'm kidding I didn't throw rocks, I threw feathers and cotton balls, I just went to sleep and figured he would be out of the tree in the morning. The next day comes and I wake up to this cat crying and meowing away and I figured he was probably doing that all night and I realized this little mother fucker was not only a bitch, he was a bitch stuck in a tree vagina who is too stupid to get down. 📷Cat Food Deals from Amazon📷📷I had no choice but to leave for work and I felt a little bad so I opened the window and yelled out "Hey you little bitch knock it off and get down from that bulimic vagina crux"
📷So the work day was over, I work nights, when I got home at 3:30 am I heard a faint meow and as I walked into my backyard the security light popped on and it made the little bitch panda start to meow louder and louder, I looked up into the tree and I looked at this cat who was stuck looking down at me meowing and I started to wonder how dumb was this animal?
So I said "you a lil bitch get your little bitch ass down here and meow like that to my face" and I went upstairs and went to sleep. So day 3 comes and this cat would not shut up all night, it was meowing like a maniac cat stuck in a tree all night. So I wake up light a joint and make a coffee and all I could hear was "meow meow mmmmeeeeowwwwww" it was getting very annoying, the fact that a cat was stuck in a tree was starting to become a bit sad. I opened my window and he was about 25-30 feet up from me, I live on the 3rd floor. So I look up and I see that he has birds tormenting him swooping down on him like little Japanese kamikaze planestrying to take out the enemy, it was like a scene from world war 2.
I started to feel bad because this little kitten of a cat being as much as a bitch as he was, was getting attacked by blue jays and has been stuck in a oak tree for the last 3 days and maybe more, no food no water and one day of rain and the weather was hot, and I know there must of been ants and insects biting him, he was probably getting all cramped up, he was just in a fucked up spot and stuck.
So as I watch these birds dive bomb this kitten I lit a joint, I started to yell out swing kitty swing at those bitch ass birds, swing and swipe, use your claws fuck those birds up, get one and eat it, I know your hungry get those little bitch birds with your claws, rip one out of the air, I wanted to see this cat snatch a bird out of the air like a scene from King Kong, but that didn't happen and the birds gave up, now this cat was just looking at me and he started to meow like a bitch, I felt bad because I knew he was hungry and probably scared, and by now I know that his parents can't help him, they were stray savage cats and were most likely scrounging dumpsters in the neighborhood somewhere or making cat sex in a dark ally or something.

Kitty Elevator

📷Kitty ElevatorI started to think of elaborate ways to get this cat out of the tree, I wanted to climb up and get him but I was not a monkey and it most likely would have ended with me falling and breaking most my body, then I thought maybe I could get a bucket and rope and throw it up in the tree and make like a little kitty elevator for him to climb into and get lowered down. That didn't go so well because he was dumb enough to get stuck in the tree which meant he was not smart enough to climb into a bucket and get lowered down. The problem was getting to be that he hasn't had food📷 or water in days, I was waiting for him to just fall out of the tree from exhaustion. I had to walk away because there was nothing I could do to get him down, I looked up at him and said "yo you little bitch you need to get out of that tree" he replied with "meow" and I went back inside my house and started to brain storm ideas and search online for animal rescue places.
I started to call every animal association possible the ASPCA, the local veterinarians, fire stations, PETA, everything I could think of that had anything to do with animals, and they all asked me if "I have ever seen a dead cat in a tree" and I said "no" and they said "he will get hungry and climb down sooner or later" but its been almost a week and he didn't look like he could make it down, the branch that he was stuck on was almost at a 90 degree angle, the way a cats claws📷 are shaped he would have had to back down and he was not smart enough to do that, so being a little kitten who's parents abandoned him to go have sex in dumpsters, he had no one to help him.
I was in a pickle so was this bitch of a bear cat. I had a eureka moment, I could call a tree company and maybe they could come climb the tree grab him and bring him down. I started to call local arborists and I got a hold of this guy "Peach Tree Paul" who said he would come and get him down for $100, and I agreed to the price. "Peach Tree Paul" the tree conqueror arrived with a toy mouse on a string and began to throw it up in the tree trying to get this cat to chase the toy mouse down the tree, the cat got frightened and went about another twenty feet up into the tree.

Toxoplasmosis Gives You Courage!

📷Panda Bear the Cat"Peach Tree Paul" said fuck it time to climb, he broke out the harness and ropes and his little pouch to put the cat in, I believe he called it his pussy pouch, he started to climb the tree but the cat got frightened and climbed to the bulimic part of the tree, this dumb bitch of a cat climbed to where the branches were weak and skinny, the part of the tree that threw up instead of bloom, which made the rescue even more heroic, if "Peach Tree Paul" couldn't rely on the branches to hold his weight, he could not hook the ropes up.
"Peach Tree Paul" was not going to sacrifice himself and risk falling, but long story short he climbed up grabbed the cat and stuffed him in the pussy pouch and threw the pouch down, just kidding, he climbed down with the pussy pouch and asked me what I wanted to do with this pouch of pussy cat, either let him go, eat him, or keep him? I decided to keep the little bitch of a cat and named him the infamous Mr. Peter Panda Bear the Cat.
📷Cat Food Deals from Amazon📷So now this is where the Toxoplasmosis comes in and where the fun of having a new pet gets scary because about a month after having this stray bear pretending to be a cat. I started to develop a twitch and a craving for soccer, I started to wonder if my car could reach a 100 miles a hour on the straight away near the play ground for underdeveloped Mexican kids, all of a sudden I discovered I was a incredible soccer player, and I just wanted to play soccer and ride a motorcycles at the same time while blind folded, I started to crave sex with anything, rocks, sandpaper, stereo receivers, weed bongs, I stuck my hand in a bee hive and commenced to slapping white woman with arm tattoos, I started to teach Mr. Peter Panda Bear the Cat some Columbian jiu-jitsu the kind they teach to under privileged children in Bogota and rolled with him on a bed of thumbtacks, I had cravings to swallow rusty razors and wash them down with orange soda, and the most dangerous casual activity I couldn't get enough of was, I wondered about how many attempts it would take to achieve a victory in a wrestling match with a homeless methed up black man. Every Friday morning me and my training partner Mr. Peter Panda Bear the Cat would head down to the 7/11 and do classic wrestling taunts at the loiterers lingering by the dumpster. The Toxoplasmosis does not impede me from having a great pet panda bear cat and if you can save a animal from any situation that is not ideal for it, then do it! Do what you can and save these furry fuckers from the cages the pounds and animal control police keep them in, these scummy people who claim to love animals and answer telephones for a living, do not give a shit about saving the animals they just like to act sympathetic towards them, and most importantly don't tickle a feral cats nuts unless you want it to commit sexual acts with your toes at night.
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submitted by OpenVisionZ to selfpromotion [link] [comments]

The only arguments against tying POT to Pot, summarily answered

This was a reply to an old post I made last night. I want everyone to see it. I'm obviously replying to the quoted parts.

tl;dr at bottom.
Look at the chart.
I had to comment on this post because it seems like no one in the 'crypto' world actually recognizes the amount of money (FIAT) that goes into creating a business of a grow/co-op.
While I can appreciate your need to speak for "everyone" you do not speak for me. I have and currently do represent a number of Arizona dispensaries in the much needed, reputation management area. I know PRECISELY what goes into a dispensary and grow operation as far as initial capital, fees, build-out, final inspections, advertising, investing in the grow or coop. And then monthly maintenance, building costs, labor, etc, etc. It's a business, we get it. Further, one of my better clients... I know how much he makes per year after costs. And as a non-profit, it has to be given away. If you can give it away and create an economy at the same time...?
And we didn't tell you to
  1. convert solely to cryptocurrency
  2. hold a high stake at any given time in any particular crypto.
Everyone is in a disillusioned world of crypto that doesn't even exist yet.
Once again... speaking for everyone, thanks. YOU are the one that exists in a world where crypto doesn't exist. We are in a different world. Most of us had smartphones while everyone was sporting RAZRs. We had a web presence before many fortune 500 companies. We... are your future. You want national adoption... adopt us first.
WE, are trying to tell you, accept the future, or become the next Blockbuster.
I am going to list some of my expenses that I can't pay for with POTcoin:
Yay
  • Electricity
Solar. There are, good, electronics stores that take BTC for solar. Cause ya'know, hippies. Don't say it can't be done. It's past-tense.
  • Internet * Phone
I really don't have time to list why this is not worth listing.
  • Rent
Everyone in the United States pays rent or mortgage.
  • Insurance
Right, here is an industry that needs crypto too.
  • Payroll
Have you asked? Have you said, hey... wanna get paid in this untraceable currency? You know, the one you don't have to report getting?
  • Taxes
See, previous. Maybe you haven't heard? FedSEC says, Crypto no bueno currency, Crypto = Property. Dispensaries here are non-profit. Donate your property (Pot), we donate our property (POT) and no income is triggered, because POT is based on Pot. Parity trade. NO taxes!
  • Advertising (ads, business cards, flyers)
Dude... if you ACCEPT crypto... you won't spend another dollar on advertising for at least a year. I promise. Everyone HERE promises. Not another dime on advertising. Put that in your pipe and smoke it.
  • Office Supplies (pens and paper to computers and printers/ink to office chairs and furniture)
I'll just pretend you didn't list this. If you're hurting so bad for these items, you either need to have a talk with that staff of yours, change habits, or change systems. If it is a matter of state requirements. Don't list it.
  • Maintenance & Cleaning (from paying people to clean to the supplies they use)
So, you can't find some undocumenteds that want bueno crypto? Really? Tell them, UNTRACEABLE... CAN SEND ACROSS ANY BORDER AT 1% OR LESS!
  • Fertilizers and growing supplies
See solar. Hippies. Many accept BTC.
  • Legal Fees
Find a lawyer that takes crypto, they exist.
How do you expect me to forget the fiat game?
Don't want you to. We want you to accept it on par with fiat. That's the idea. YOU are creating the economy.
Even if I only accepted POTcoin,
Surely don't want you to do that. Plus if you are a legit place you have AARP customers that probably aren't privy to crypto. They will cover the rent.
I'd have to exchange to FIAT to pay my bills because AT&T is never going to take PotCoin as payment...
That's actually a direction I am moving toward... servicing customers like you that have crypto and want to interact with the non-crypto world. You add me to your utilities and bills, and I am like the online bill pay for altcoin.
But see, it has to start somewhere!
In 1993 I was begging people to buy domain names. "What the hell do I need that for?" Indeed. I cashed out most of my single noun and single verb domains in the late 90's before the dot com collapse and didn't work for a few years after that from the sales. Coasted right thru the crash.
and the only way to not get screwed by any crazy jumps in the market are to do it instantly at the point of transaction for every purchase... even waiting a day could lose me 20% on days like today.
Once again, that's where my company will fill a need. I'm actually very well trained in high speed trading and forex coding in MT4. This, is rather simple, comparatively.
I will guarantee no-slip membership levels. That means, LOCKED IN TRADES. We take the hit if we make a bad trade, in getting your fiat back.
Please I would love to hear any real options and this isn't an attack on the posters or people in this community, just a very real down to earth and inquisitive request.
Please... take a chance...
THEN... be negative if it doesn't work. Or be a hero, WHEN it does.
The price of your coin went from 1POT = $0.01USD to 1POT = $0.0055USD <~ pretty much a 50% drop in price in the past 3 days. HOW ARE YOU NOT ALL UPSET BY THIS! Even as the price per BTC of POTcoin goes up, you are losing value because you are tied to BTC.

tl;dr
We want to untie from BTC and tie to Weed. I ideally, would like to see a range of:
 0.125 - 0.420 for 1/8th of Medical Grade bottom shelf California state average 
California chosen due to per capita and population.
In fact, here's a nice plot.
http://i.imgur.com/aKxK7yo.jpg
Does that grab your attention? Do you understand how to pay your bills now?
You have to realize, with FedSECs ruling... this is a LEGIT thing. You can literally create value out of nothing. NO ONE HERE WILL COMPLAIN IF YOU FIX THE PRICE OF POT TO POT. Promise. Cross my Heart.
And the biggest thing is... if you can buy an 1/8th of weed for 0.420POT...
it is PHYSICALLY IMPOSSIBLE for the coin to collapse... ever.
Think about it. But it needs to be mutual agreement, almost cartel like, no undercutting, etc. It's for the benefit of everyone. I even promise not to shop at a place that is undercutting if you fix POT to Pot.
If you fix that price of POT to anything more than a decimal point over in value vs USD... you make A LOT of POTcoin holders wealthy. And the first place they will come to spend their money is on real pot. And depending on how wealthy... maybe AT YOUR PLACE. Because I need a vaca.
http://www.gogreensolar.com/pages/bitcoin-for-solar-energy
http://www.businessinsider.com/defense-lawyer-who-accepts-bitcoins-2013-5
http://eastwesthydro.com/grow-room-resources/buy-hydroponics-with-bitcoins
http://growershouse.com/buy-hydroponics-supplies-with-bitcoins
submitted by SirPokeSmottington to potcoin [link] [comments]

How to Develop a Profitable Bitcoin & Altcoins Daytrading Strategy - Fundamental & Technical Analysis - An Intermediate Tutorial

Abstracted from my blog post. Read the Full Post at: http://alunacrypto.blogspot.nl/2014/03/how-to-bitcoin-altcoins-daytrading-fundamental-technical-analysis-profitable-trading-strategy.html. Follow me on Twitter for my latest Bitcoin/Altcoin trading advice @onemanatatime (https://twitter.com/onemanatatime).
Fundamental Analysis
I believe that for an Altcoin to be worth anything at all, it MUST first have technical aspects which are built with the future in mind. This is what solely determines if a cryptocurrency has the potential for the mid to long term. Even with 5 new altcoins launching everyday, you barely see 1 a month that can last even the mid-term.
Then, after that I judge the coins based on 7 mediating factors; developers, community, branding/marketing, popularity/virality, novelty, infrastructure, and liquidity. For more about fundamental analysis and an explanation of these factors, read up on the first few sections in my previous post about picking and trading the next profitable altcoin. In this post, I will focus more on technical analysis and trading strategies instead.
With so many coins out there, I like to use these above factors to weed out all the weaker shitcoins, and focus on altcoins which are substantially different from others, and more importantly, provide more value than other cryptocurrencies. After which, I use Technical Analysis to judge entry/exit positions for trading them.
What else do you think makes a cryptocurrency fundamentally better than another, and more sustainable as a currency?
Technical Analysis
Many will probably agree when I say that the Altcoins market is akin to the "penny stocks" of cryptocurrencies. In this sense, most altcoin markets have much lower liquidity, but have much higher volatility. Since there are over 200 different cryptocurrency markets to date, I prefer to narrow down my list of altcoins to a small handful, and buy under-valued coins or trade the breakouts. You're going to find it really tough to be watching more than 5 altcoins at the same time, so I highly suggest keeping your list small, and adapt your watchlist to the fast changing markets.
If you're new to technical analysis, here's a really good beginner's video on daytrading Penny Stocks, which also explains the basics of chart reading and an introduction to basic trading jargon that I'll be using throughout this post. The important concepts to take note of are resistances & supports, breakouts that coincide with high volume, and the general idea that "what goes up must come down". See video here: http://www.youtube.com/watch?v=HYK2a77TjvU
So after you get the basics sorted out, you should be ready to learn how to trade! I'm gonna break this intermediate technical analysis tutorial down into five main portions, and have compiled videos from other trading experts to give even beginners a better overall idea, and teach you all you need to know to devise your own Bitcoin & Altcoins trading strategy.
1. Top Down Analysis
Firstly, lets look at the top down analysis method of reading charts. I always begin by trying to understand the market from a bird eye's view. Compare both charts from a long term period (e.g. 1d) against one from a shorter period (e.g. 15m) to get a holistic view of the market. This will help give you a general perspective of market trends, while peaks & troughs give you an idea of market resistances & supports.
Use these basic resistance & support levels to judge entry/exit prices. In general, previous high and low points are new resistances or support depending on where the price is, and points where u can see big breakouts will be the new short term resistance/support. To get a better idea of what I mean, watch these videos by Jason Stapleton who explains top down analysis, resistances & supports, and structure.
http://www.youtube.com/watch?v=M9yCc7lD21Q
https://www.youtube.com/watch?v=tJmMU-8yicM
2. Retracements
The concept of retracements is, in my opinion, the most important one that any trading enthusiast must grasp in order to understand how the markets flow. In essence, a retracement is a temporary price movement against the established trend, and helps us understand that the markets move in wave patterns as highlighted by the Elliott Wave Theory. One way to look at it, as highlighted by this video below, is that most price-actions follow a pullback rule to fibonacci retracement levels (38%, 50%, 62%).
http://www.youtube.com/watch?v=7VSWqM0jfIQ
The most important concept to take away from this is "what goes up must come down"; that price movements in one direction are always followed by retracements in the opposite direction. Of course, not all movements will follow the same pullbacks, and these levels should only be used as a guide. Here's another video: "Understanding Fibonacci retracement lines: https://www.youtube.com/watch?v=KzHjxPxGzMw".
So the question then is, how will we know if this counter-movement price action is a retracement or a reversal? There is no way to say for certain...
Read the full post on my blog at: http://alunacrypto.blogspot.nl/2014/03/how-to-bitcoin-altcoins-daytrading-fundamental-technical-analysis-profitable-trading-strategy.html.
3. Trading on Volume
Another important concept you need to understand is that large price movements almost always coincide with high trading volume.
With this in mind, this is where the liquidity of an altcoin also comes into play; the higher the trade volume of an altcoin, the lower the spreads, and the more likely you will be able to make some profitable trades from it. In general, the trade volume is a good indicator of, and is proportional to the popularity of the altcoin at the current time.
Apart from the actual trading volume itself, another good indicator is the change in volume over time; if you realize that the trading volume of an altcoin has been steadily increasing over the last few days, it could be an indication that a big price movement is coming up.
4. Breakout Patterns
The last concept I want to share is breakout patterns. Although most people are familiar with this concept, many do not know how to profit from them. This is one of the best tools to use for planning your entry positions, while there are various ways to do so, which are highlighted by these first two videos below:
https://www.youtube.com/watch?v=6YZ4ORz-UJ0
http://www.youtube.com/watch?v=3gN-6D8nH0E
5. Advanced Trading Strategies
Now comes the fun part: how can we take all that we've learnt so far and put into good use for trading Bitcoin/Altcoins? Here are some pointers for you:
In the next videos, more advanced trading strategies and chart patterns will be shared. These strategies may seem very specific, but my goal is to give you better understanding of how these analysis tools are used, and to give you an idea of how different tools can be used to develop a single trading setup. The specifics are not important; what I hope to achieve is to open up your minds to new ideas, expand your trading knowledge, and ultimately encourage you to explore a diverse variety of trading strategies.
Read up more on some of the main ideas discussed:
Others
Read the full post on my blog at: http://alunacrypto.blogspot.nl/2014/03/how-to-bitcoin-altcoins-daytrading-fundamental-technical-analysis-profitable-trading-strategy.html. If you'd like to discuss any ideas or have burning questions, feel free to email me at alvinlee133(at)gmail.com or hit me up on twitter @onemanatatime.
P.S. If you're new here, make sure to check out my previous posts about Bitcoin & Altcoins daytrading: http://alunacrypto.blogspot.nl/2014/02/how-to-pick-trade-next-profitable-altcoin-bitcoin-daytrading.html http://alunacrypto.blogspot.nl/2014/01/beginners-guide-margin-trading-bitfinex-exchange.html http://alunacrypto.blogspot.nl/2014/01/embarking-on-my-bitcoin-trading-journey.html
P.P.S. If this post helped you, feel free to buy me a cup of coffee!
Cryptsy Trade Key: 9c1e289981a685bf0b8a4e48bc00b35eb1380afa
BTC: 16ka98tnhs9fAjWEXRmEWVrPfTEwmr9orV
LTC: LW4qr8aSfgTwGuU6uvEjnhNKRyJJR9iUbR
submitted by bakedric3 to CryptoMarkets [link] [comments]

Subreddit Stats: CanadaPolitics posts from 2017-11-17 to 2017-12-14 21:55 PDT

Period: 26.92 days
Submissions Comments
Total 941 21286
Rate (per day) 34.95 762.33
Unique Redditors 266 2329
Combined Score 32739 150061

Top Submitters' Top Submissions

  1. 3428 points, 60 submissions: _Minor_Annoyance
    1. Poll suggests majority of Canadians backs outright ban on guns in urban areas (395 points, 1213 comments)
    2. Ottawa to build 100,000 new affordable units, recognize housing as 'fundamental right ' (345 points, 113 comments)
    3. Justin Trudeau Is ‘Very Concerned’ With FCC’s Plan to Roll Back Net Neutrality (294 points, 79 comments)
    4. Harper Government Identified ‘Mental Health Issues’ as a Root Cause of Terrorism, Secret Documents Show (265 points, 100 comments)
    5. Conservatives accused of free speech double standard after Catholic university blocks abortion film (216 points, 143 comments)
    6. Federal government proposes changes designed to drop cost of patented drugs (173 points, 40 comments)
    7. Andrew Coyne: Tories can stop blowing smoke because there’s nothing suspicious about Morneau share selloff (144 points, 100 comments)
    8. Trudeau government wants to 'demystify' G7 summit by involving Canadians (132 points, 37 comments)
    9. Canadian workforce is more educated and sitting in traffic longer than ever before: 2016 census (104 points, 15 comments)
    10. Conservative party leadership advisor helped create anti-Islam organization (90 points, 54 comments)
  2. 1991 points, 109 submissions: idspispopd
    1. Video of starving polar bear in Canada's Arctic re-ignites conversations about climate change (209 points, 131 comments)
    2. Proportional Representation Will Provide Balance, Not Extremism (199 points, 145 comments)
    3. Manitoba gets failing grade for 'nightmare' rates of child poverty (124 points, 25 comments)
    4. N.W.T. residents can now choose 'X' as gender on IDs (87 points, 36 comments)
    5. Nunavut creates country food safety guidelines to boost traditional menus across territory (87 points, 40 comments)
    6. 'We want Nunavut to shine:' Territory's new premier looks to the future (82 points, 5 comments)
    7. B.C.’s upcoming referendum on electoral reform will stand, Attorney-General says (82 points, 50 comments)
    8. Jagmeet Singh takes shot at Jason Kenney in swing through Alberta (62 points, 28 comments)
    9. Uniformed police won’t be allowed to march in Vancouver’s Pride Parade (56 points, 85 comments)
    10. Thawing permafrost causes $51M in damages every year to N.W.T. public infrastructure: study (48 points, 4 comments)
  3. 1548 points, 14 submissions: steadly
    1. This Conservative Politician Said Weed Is Just As Deadly as Fentanyl (492 points, 176 comments)
    2. Prime Minister announces nomination of the Honourable Sheilah L. Martin to the Supreme Court of Canada (283 points, 146 comments)
    3. Liberals 41, Conservatives 30, NDP 18, Green 7 : Nanos (147 points, 79 comments)
    4. Bill Morneau says Ottawa has no plans for a Netflix tax (132 points, 46 comments)
    5. Prime Minister names the Honourable Richard Wagner as new Chief Justice of Canada (113 points, 48 comments)
    6. Singh launched NDP byelection campaign in wrong Scarborough riding (113 points, 75 comments)
    7. Trudeau government sets new record for vacant appointments (62 points, 23 comments)
    8. Prime Minister announces the appointment of two new Senators (53 points, 42 comments)
    9. Cabinet ministers don't resign nowadays, they just linger and then get shuffled (39 points, 1 comment)
    10. $100 million for gay purge victims as PM apologizes for LGBTQ discrimination (33 points, 6 comments)
  4. 1235 points, 19 submissions: MethoxyEthane
    1. Federal marijuana legislation passed third reading in the House of Commons, headed for the Senate (215 points, 96 comments)
    2. Trudeau says Canadians need a 'mindset change' to tackle sexual assault (191 points, 85 comments)
    3. PEI Green Party win their second seat in the Charlottetown-Parkdale provincial by-election (109 points, 28 comments)
    4. Ontario PC leader Patrick Brown releases full platform 6 months ahead of provincial campaign (104 points, 137 comments)
    5. Speaker kicks Tory MP Blake Richards out of Question Period (95 points, 31 comments)
    6. Premier Kathleen Wynne sues opposition leader Patrick Brown for defamation (90 points, 56 comments)
    7. Trudeau set to name new judge to Supreme Court of Canada on Wednesday morning (87 points, 31 comments)
    8. Kathleen Wynne calls $12B in savings in PC platform ‘ridiculous’ (83 points, 68 comments)
    9. Liberal government backs bill that demands full implementation of UN Indigenous rights declaration (55 points, 41 comments)
    10. December 11 By-Election Discussion Thread (49 points, 322 comments)
  5. 1094 points, 5 submissions: StrudleNudle
    1. Comparing marijuana to fentanyl is social conservatism without a clue: Opinion (723 points, 115 comments)
    2. Liberals rebound in polls, Nanos says women giving Grits lead over Conservatives - The Hill Times (161 points, 185 comments)
    3. Liberals 40, Conservatives 31, NDP 17, Green 7: Nanos (112 points, 116 comments)
    4. 'Charterpedia' launched by the DOJ today. Summarizes every Charter right and it's completely noted up. (87 points, 21 comments)
    5. Tory pit bull Poilievre looks for ‘vulnerability’ in attacks on Morneau (11 points, 13 comments)
  6. 894 points, 34 submissions: uadoption
    1. Conservative comparison of pot to fentanyl 'irresponsible': Health minister (223 points, 29 comments)
    2. Canada vows to aggressively defend lumber sector after duties confirmed by U.S. (207 points, 43 comments)
    3. ‘Keep our great country safe from all the weed,’ Conservative critic pleads in Parliament poem (115 points, 107 comments)
    4. Driverless trucks are coming to Canada and the impact will be profound (108 points, 172 comments)
    5. The secret of happiness for Quebec anglos (26 points, 83 comments)
    6. Making the link between animal and human abuse (23 points, 9 comments)
    7. Bell's 'Let's Talk' campaign rings hollow for employees suffering panic attacks, vomiting and anxiety (16 points, 7 comments)
    8. Watch China's efforts to influence as Canada pursues trade, says former envoy (15 points, 0 comments)
    9. Nearly half of illegal border-crossers into Canada are from Haiti (14 points, 7 comments)
    10. Refugee system isn't for those seeking better economic life: Trudeau (14 points, 2 comments)
  7. 891 points, 30 submissions: OrzBlueFog
    1. Maxime Bernier reiterates opposition to Net Neutrality (352 points, 173 comments)
    2. Unionized Halifax Shipyard workers vote 99% in favour of strike mandate [NS] (204 points, 55 comments)
    3. Nova Scotia announces pot will be sold through NSLC and online [NS] (72 points, 13 comments)
    4. Feds willing to give more pot tax revenue to provinces to help municipalities (60 points, 15 comments)
    5. Live at a tony address? Postal Code Project puts Canada's richest neighbourhoods in taxman's crosshairs (26 points, 12 comments)
    6. [Meta] Comment sort order - controversial? (26 points, 29 comments)
    7. Child Advocate wins battle for mandatory reporting of deaths, critical injuries [NL] (15 points, 0 comments)
    8. Nova Scotia community hopes rocket launch site will revitalize economy [NS] (13 points, 5 comments)
    9. NDP executives resign in protest over party leader Gary Burrill [NS] (12 points, 2 comments)
    10. Former Dion human rights aide pans Ottawa arms-control plans (11 points, 1 comment)
  8. 765 points, 1 submission: GumboBenoit
    1. As US prepares to gut net neutrality rules, Canada strengthens them (765 points, 112 comments)
  9. 716 points, 5 submissions: BattlestarBattaglia
    1. Inside Bell's Push To End Net Neutrality In Canada (479 points, 91 comments)
    2. Fraud investigation casts cloud over Ontario PCs’ platform launch (78 points, 23 comments)
    3. Patrick Brown’s fiscally risky, economically dubious plan for Ontario (66 points, 49 comments)
    4. Wynne says PC leader Patrick Brown’s hope of finding painless cuts is ‘nonsense’ (47 points, 33 comments)
    5. Police sift through ballot boxes in Hamilton PC nomination investigation (46 points, 4 comments)
  10. 710 points, 31 submissions: scottb84
    1. As Canadians consume ‘harmful’ levels of sodium, officials urge chefs to limit salt but face resistance (157 points, 109 comments)
    2. University of Toronto contract academic staff vote 91% in favour of strike mandate (82 points, 9 comments)
    3. The Deadly Racism of Thunder Bay: A series of stalled police investigations reveals a city that’s indifferent to Indigenous lives (73 points, 52 comments)
    4. No, postmodernism at universities isn'€™t a vile, cancerous doctrine (64 points, 88 comments)
    5. Toss of the Bitcoin: Canadians have poured millions into blockchain, but many don’t know what they’re buying (51 points, 33 comments)
    6. Andrew Scheer’s dad jeans and awkward hellos are painstakingly deliberate (43 points, 64 comments)
    7. The Misguided Fight Against Sex-Ed Reform: Alberta’s proposed curriculum has been met with the same tired controversy—and it isn’t making kids any safer (36 points, 3 comments)
    8. Toronto rental vacancy rates lowest in 16 years (32 points, 3 comments)
    9. Booze, drugs involved in 73 oilsands safety incidents since 2013, Suncor says (20 points, 7 comments)
    10. Buzzkillers: A brief history of the LCBO (17 points, 0 comments)
  11. 707 points, 30 submissions: kingbuns2
    1. Map showing Post-Secondary Degrees of Canadian MPs | Created by CanadianHistorian (152 points, 78 comments)
    2. Inuit want free travel over international waters between Canada, Greenland (104 points, 18 comments)
    3. On the Rails: A Case for Renewed Leftist Infatuation with Transport (80 points, 44 comments)
    4. Trudeau says housing is a human right — what does that mean exactly? UN says such a recognition does not mean the government has to build all of the nation's housing stock (68 points, 29 comments)
    5. Poll reveals Canadians' view of residential schools (36 points, 41 comments)
    6. Cashing In On Trump’s War on Universities: Republicans are gutting U.S. education; Canada — with boldness — can reap the benefits (30 points, 2 comments)
    7. Activists say Ottawa should deliver housing funds over two years, instead of 11 (29 points, 3 comments)
    8. African aid can’t keep up with stolen wealth (23 points, 4 comments)
    9. B.C. needs a brisk boost to $15/hr minimum wage: No reason for province to take a slower road than Ontario or Alberta (23 points, 20 comments)
    10. Postmedia, Torstar Marching Toward Media Monopolies: Journalism suffers as corporations swap papers to end competition (18 points, 1 comment)
  12. 695 points, 3 submissions: floatingpaper
    1. Canada will not move embassy to Jerusalem, federal government says (378 points, 236 comments)
    2. Ontario passes Cannabis Act, will take effect July 1, 2018 | Toronto Star (273 points, 166 comments)
    3. I highly recommend the show Political Blind Date by TVO. (44 points, 7 comments)
  13. 583 points, 3 submissions: Savage_N0ble
    1. Canadians want Ottawa to ban use of tax havens, poll finds | Toronto Star (478 points, 125 comments)
    2. Ottawa pressed on new registry to flush out mystery corporations (66 points, 26 comments)
    3. When it comes to harassment in politics, powerful people are writing rules for themselves: Neil Macdonald - CBC News (39 points, 13 comments)
  14. 554 points, 8 submissions: ThornyPlebeian
    1. Canada Jobless Rate Falls to Lowest in a Decade on Hiring Surge (228 points, 93 comments)
    2. Liberal Gordie Hogg defeats former Tory cabinet minister in South Surrey-White Rock (179 points, 94 comments)
    3. Trudeau to offer formal apology for LGBTQ persecution (70 points, 76 comments)
    4. Liberal MP accuses Conservative James Bezan of ‘humiliating’ sexual comments (48 points, 56 comments)
    5. Feds table bill to expunge 'unjust' convictions of LGBTQ Canadians (16 points, 16 comments)
    6. New fighter-jet competition to have 'economic interest' requirement (10 points, 8 comments)
    7. PM Trudeau strayed too far from historic wrongs in LGBTQ apology: Tory MPs (2 points, 0 comments)
    8. Canadian Surface Combatant team, led by Lockheed Martin Canada, unveiled (1 point, 5 comments)
  15. 539 points, 21 submissions: CytheYounger
    1. Canadian hate crimes growing and more violent for third straight year (302 points, 300 comments)
    2. Big Oil abandoning Canada’s oilsands in quest for cleaner crude (48 points, 39 comments)
    3. Washington Governor Touts Vancouver-Portland High-Speed Rail (44 points, 8 comments)
    4. Alberta's Rachel Notley urges Trudeau to speak up for pipelines (43 points, 77 comments)
    5. Despite What Politicians Say, Hundreds of BC Gas Wells Leak Methane (30 points, 8 comments)
    6. How will Canada manage its wildfires in the future? (13 points, 2 comments)
    7. Firestorm: Fort McMurray wildfire is a warning, book claims (9 points, 5 comments)
    8. New UBC-led report finds alternatives to Site C creates significantly more jobs, produce electricity at a lower cost with lower risks, have a significantly lower environmental impact, and produce less greenhouse gas emissions. (8 points, 5 comments)
    9. Behind the Mask of the ‘Moderates’ (7 points, 32 comments)
    10. B.C. oil spill response times make Trans Mountain Pipeline 'a ticking time bomb' (6 points, 8 comments)
  16. 451 points, 13 submissions: gwaksl
    1. Andrew Scheer's Everyman image won't be enough to beat Justin Trudeau - Macleans.ca (104 points, 142 comments)
    2. Federal Poll Average: LPC 38.64, CPC 31.43, NDP 16.76, GPC 6.81, BQ 4.73 (61 points, 59 comments)
    3. Liberals 39, Conservatives 31, NDP 17, Green 7: Nanos (59 points, 37 comments)
    4. Andrew Scheer weighs in on Catholic university that banned abortion film | Globalnews.ca (49 points, 54 comments)
    5. Liberals reject warship proposal that companies said would save taxpayers as much as $32B (49 points, 26 comments)
    6. COMMENTARY: The NDP had better get their act together (for the Tories’ sake!) - National | Globalnews.ca (30 points, 56 comments)
    7. Canada’s global prosperity ranking slips to lowest level in 11 years, but we still beat the U.S. | Financial Post (30 points, 16 comments)
    8. The 'free the beer' court case shows Canada isn't a true economic union (30 points, 25 comments)
    9. Weighted Poll Averages Post Singh (25 points, 10 comments)
    10. John Ivison: New private member’s bill could mean end of the Happy Meal in Canada (6 points, 3 comments)
  17. 444 points, 15 submissions: sluttytinkerbells
    1. Globe editorial: Taking the ‘hi’ out of ‘bonjour-hi’ won’t save the French language (88 points, 106 comments)
    2. Legal marijuana deadline may be up in smoke as Tory senators stall bills (73 points, 48 comments)
    3. Employer who stole nearly $3M in wages from 157 workers fined $500 (54 points, 16 comments)
    4. Migrant workers’ group slams NDP’s Singh for online posts on farm visit (49 points, 20 comments)
    5. Canada should fight for open internet, says former head of FCC - Politics (47 points, 13 comments)
    6. 2 more Winnipeg police officers charged with impaired driving (46 points, 5 comments)
    7. Alberta man convicted of criminal harassment following Creep Catcher incident (29 points, 4 comments)
    8. North Korean defectors in Toronto worried they may be deported: ‘They treat us like garbage’ (19 points, 10 comments)
    9. Immigrant French lesson program a failure: auditor general (15 points, 4 comments)
    10. Hydro One’s prepaid meter proposal sparks criticism | Toronto Star (7 points, 3 comments)
  18. 434 points, 2 submissions: NeutralEvilCarebear
    1. ‘He said, No, no, no’: Trump tells crowd about trade disagreement with Trudeau (264 points, 102 comments)
    2. Here’s all the Canadian senators who just awarded themselves a medal meant to honour ‘unsung heroes’ (170 points, 32 comments)

Top Commenters

  1. _Minor_Annoyance (3783 points, 228 comments)
  2. OrzBlueFog (3097 points, 239 comments)
  3. warflax (2540 points, 242 comments)
  4. fencerman (2336 points, 307 comments)
  5. CULTURAL___MARXIST (1915 points, 184 comments)
  6. EngSciGuy (1833 points, 233 comments)
  7. Cansurfer (1684 points, 255 comments)
  8. SatanicBarrister (1580 points, 156 comments)
  9. Pie_Gun (1387 points, 148 comments)
  10. Majromax (1202 points, 117 comments)
  11. randomu_name (1195 points, 156 comments)
  12. StrudleNudle (1176 points, 142 comments)
  13. eriktheguy (1161 points, 176 comments)
  14. SugarBear4Real (1161 points, 75 comments)
  15. CupOfCanada (1122 points, 185 comments)
  16. jtbc (1054 points, 115 comments)
  17. Acesolid (1021 points, 105 comments)
  18. juanless (1006 points, 92 comments)
  19. raptorman556 (891 points, 87 comments)
  20. habs76 (890 points, 61 comments)
  21. justinstigator (856 points, 77 comments)
  22. AvroLancaster (810 points, 101 comments)
  23. marshalofthemark (799 points, 113 comments)
  24. the_monkey_ (785 points, 70 comments)
  25. FleetInBeing (781 points, 42 comments)
  26. Statistical_Insanity (758 points, 124 comments)
  27. MethoxyEthane (731 points, 90 comments)
  28. LastBestWest (725 points, 151 comments)
  29. Kyrias (693 points, 26 comments)
  30. kludgeocracy (611 points, 59 comments)
  31. Celda (608 points, 65 comments)
  32. Issachar (605 points, 102 comments)
  33. seaintosky (588 points, 69 comments)
  34. Daravon (588 points, 32 comments)
  35. GoOtterGo (571 points, 24 comments)
  36. AhmedF (569 points, 51 comments)
  37. GumboBenoit (557 points, 86 comments)
  38. Rithense (545 points, 106 comments)
  39. PGXHC (522 points, 35 comments)
  40. steadly (519 points, 28 comments)
  41. Galickah (500 points, 34 comments)
  42. ___OccamsChainsaw___ (472 points, 31 comments)
  43. DarthPantera (460 points, 45 comments)
  44. Jeffgoldbum (449 points, 27 comments)
  45. ChimoEngr (444 points, 132 comments)
  46. Move_Zig (443 points, 69 comments)
  47. RegretfulEducation (443 points, 61 comments)
  48. aberthin (442 points, 61 comments)
  49. PopeSaintHilarius (440 points, 52 comments)
  50. varsil (440 points, 30 comments)

Top Submissions

  1. As US prepares to gut net neutrality rules, Canada strengthens them by GumboBenoit (765 points, 112 comments)
  2. Comparing marijuana to fentanyl is social conservatism without a clue: Opinion by StrudleNudle (723 points, 115 comments)
  3. This Conservative Politician Said Weed Is Just As Deadly as Fentanyl by steadly (492 points, 176 comments)
  4. Inside Bell's Push To End Net Neutrality In Canada by BattlestarBattaglia (479 points, 91 comments)
  5. Canadians want Ottawa to ban use of tax havens, poll finds | Toronto Star by Savage_N0ble (478 points, 125 comments)
  6. Poll suggests majority of Canadians backs outright ban on guns in urban areas by _Minor_Annoyance (395 points, 1213 comments)
  7. Canada will not move embassy to Jerusalem, federal government says by floatingpaper (378 points, 236 comments)
  8. Maxime Bernier reiterates opposition to Net Neutrality by OrzBlueFog (352 points, 173 comments)
  9. Alberta MLA says marijuana legalization could lead to communist revolution by teh_inspector (349 points, 108 comments)
  10. Ottawa to build 100,000 new affordable units, recognize housing as 'fundamental right ' by _Minor_Annoyance (345 points, 113 comments)

Top Comments

  1. 385 points: whoami9's comment in ‘He said, No, no, no’: Trump tells crowd about trade disagreement with Trudeau
  2. 305 points: _Minor_Annoyance's comment in ‘He said, No, no, no’: Trump tells crowd about trade disagreement with Trudeau
  3. 288 points: FleetInBeing's comment in NDP, experts call for greater control over Canadian arms sales abroad
  4. 193 points: SugarBear4Real's comment in ‘He said, No, no, no’: Trump tells crowd about trade disagreement with Trudeau
  5. 191 points: AhmedF's comment in This Conservative Politician Said Weed Is Just As Deadly as Fentanyl
  6. 187 points: Shawnanigans's comment in Ottawa to build 100,000 new affordable units, recognize housing as 'fundamental right '
  7. 178 points: jacnel45's comment in Trump says Trudeau left out lumber, energy while talking trade numbers
  8. 175 points: Galickah's comment in Ottawa to build 100,000 new affordable units, recognize housing as 'fundamental right '
  9. 175 points: deleted's comment in Prime Minister names the Honourable Richard Wagner as new Chief Justice of Canada
  10. 171 points: kludgeocracy's comment in Ontario passes $15 minimum wage
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WOW!! MOST IMPORTANT BITCOIN CHART FLASHES ALL TIME RIGHT NOW!! This means... BITCOIN EXPLODING!!! NEW ALL TIME HIGH THIS MONTH!? SECRET ... Bitcoin Breaks ALL TIME HIGH - Live Look Bitcoin ALL TIME HIGH incoming? - DEFI pump - What is next ... BITCOIN ALL TIME HIGH INBOUND! Bull Trap? What is happening next?

Weed Stocks- Just a bunch of smoke or will it be the real good good? Welcome to Reddit, the front page of the internet. Become a Redditor. and join one of thousands of communities. × 200. 201. 202. PSA: Bitcoin is at an all-time high of $2400 per coin. OP WAS BANNED FOR CRYPTO FAGGOT (self.wallstreetbets) submitted 2 years ago by claytonw854. I think this is an unprecedented opportunity to ... Der aktuelle Bitcoin-Kurs (13,025.81 $) im Live-Chart in EUR, USD & CHF im Überblick Bitcoin-Rechner Verfolge den aktuellen Kursverlauf live! All Time High: $0.508288 USD (Dec 31, 2017) All Time Low: $0.000006 USD (Feb 14, 2014) 52 Week High / Low: $0.018586 USD / $0.003321 USD. 90 Day High / Low: $0.010165 USD / $0.003321 USD. 30 Day High / Low: $0.008473 USD / $0.003321 USD. 7 Day High / Low: $0.006772 USD / $0.003321 USD. 24 Hour High / Low: $0.006772 USD / $0.005810 USD. Yesterday's High / Low: $0.006772 USD / $0.005754 USD ... At current prices, Bitcoin is getting incredibly close to hitting its all-time high of US$20,000. In Canadian dollar terms, those figures are even more staggering, which goes to show how far ... Bitcoin Price Meditation. Market Cap: $362 837 318 064 0.26% ... All WEED Exchanges → Explorers. bloks.io; Social. weedcash.network; WeedCash Price Chart. About WeedCash. WeedCash is a Steem-Engine and EOSIO token for cannabis enthusiasts with a robust blockchain social media DAPP and distributed legalization technology utilizing multiple DPOS chains and tipit.io social media cryptocuyrrency ...

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WOW!! MOST IMPORTANT BITCOIN CHART FLASHES ALL TIME RIGHT NOW!! This means...

In this bitcoin technical analysis video, we are going to talk about speculation based on bitcoin halving and litecoin halving. This is the 500th video for Crypto Capital Venture, so thank you for ... DANGEROUS!!! THIS BITCOIN CHART SHOWS ALL TIME HIGH DIRECTLY BEFORE THE HALVING!!!! Thank you Exmo for sponsoring the Channel: https://bit.ly/2XtmbEd 🔥 Bybit... #Bitcoin has a phenomenal monthly close! Last time #BTC traded above this level in 2017 it took only TWO weeks to hit the all time high! Is a new all time hi... When you look at bitcoin price on the charts, and add on bitcoin halving, btc dominance, and speed of bitcoin uptrend, you'll see how powerful Bitcoin looks. When looking at the potential for ... Bitcoin NEW All Time High $320,000?! Big Move! Cryptocurrency/Altcoin News, Trading, Price Analysis! ... The ULTIMATE beginners guide to reading a candlestick chart - Duration: 16:26. The Trading ...

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