Hello, So the last few weeks got pretty serious for our company. PayPal problems So we had problems with PayPal since December. There were holding a chunk of money and didn't want to release it. After hundreds of emails, company documentations, talking with customer support, they finally released it in April. But before releasing it, they put reversal hold, so on every transaction next to fees, they take 15% and release it after 60 days. Because of hold and everything, it was really hard to pay to the distributors all costs, but we managed somehow. Next few months because of hold and releases, the reports did not match our reports. Downloading their excel sheet it showed all transactions in minus (-) and nothing matched. Since Rona, their phone lines aren't working so the only way to reach them is either Twitter or sending them messages directly. The Twitter thing does not work out, since they ignore your conversion but they do reply on direct message. The only problem is, every time a different person replies to a message and you cannot communicate with them properly (https://imgur.com/a/J0khHLd) So my accountant is pissed off since he cannot match the transaction and tax administration will be too. But this is not the end of the story. 2 weeks ago PayPal got an idea to block the withdrawal of the funds without explanation. After emailing them again and getting replies from constantly different workers, they finally linked me to what I have to send them (they claimed it was in the resolution center but the link there did not exist). It was again as last year, millions of documents needed. After providing all their documents, this Friday they locked the possibility of linking my website to PayPal, so now people cannot pay on the Website. They are still "reviewing" documentations without any answer. We are left with only the payment method available and that's Bitcoin. A lot of people do not use Bitcoin so I am looking for any other method possible. Serbia isn't part of the European Union, so a lot of methods are not available for us. I am asking you guys for advice to give me, what payment method would you accept? The only solution that we can think of is Paynoeer (again many people do not use it) or Banks (high provision since we are third world country, and they automatically convert money to Our Serbian Dinars = bad conversion). Our last option will be to move our company to an EU country. We are out of options and out of ideas, we are in a situation that we do not know what to do. If you have any ideas, suggestions, or anything. Please write down in the comments. Thank you very much, Perfume Guy Whatsapp: +38163414753 Website: https://shop.chezpierre.rs/
Blockchain, the amazing solution for almost nothing
Article from Jesse Frederik at the Correspondent Highlights: At its core, blockchain is a glorified spreadsheet (think: Excel with one table). In other words, a new way to store data. In traditional databases there’s usually one person who’s in charge, who decides who can access and input data, who can edit and remove it. That’s different in a blockchain. Nobody’s in charge, and you can’t change or delete anything, only view and input data. Nakamoto thought that everyone would be able to work equally hard to solve the puzzles. But some companies have exclusive access to specialised hardware, cheap electricity and space, which makes them much better able to fulfil this role. What was envisioned as decentralised has become centralised again, because of the advantages of scale. Out of over 86,000 blockchain projects that had been launched, 92% had been abandoned by the end of 2017, according to consultancy firm Deloitte. Firstly: the technology is at loggerheads with European privacy legislation, specifically the right to be forgotten. Once something is in the blockchain, it cannot be removed. For instance, hundreds of links to child abuse material and revenge porn were placed in the bitcoin blockchain by malicious users. It’s impossible to remove those. The presumed hackers of Hillary Clinton’s email were caught, for instance, because their identity could be linked to bitcoin transactions. A number of researchers from Qatar University were able to ascertain the identities of tens of thousands of bitcoin users fairly easily through social networking sites. Other researchers showed how you can de-anonymise many more people through trackers on shopping websites. The fact that no one is in charge and nothing can be modified also means that mistakes cannot be corrected. A bank can reverse a payment request. This is impossible for bitcoin and other cryptocurrencies. So anything that has been stolen will stay stolen. There is a continuous stream of hackers targeting bitcoin exchanges and users, and fraudsters launching investment vehicles that are in fact pyramid schemes. According to estimates, nearly 15% of all bitcoin has been stolen at some point. Solving all those complex puzzles requires a huge amount of energy. So much energy that the two biggest blockchains in the world – bitcoin and Ethereum – are now using up the same amount of electricity as the whole of Austria. Carrying out a payment with Visa requires about 0.002 kilowatt-hours; the same payment with bitcoin uses up 906 kilowatt-hours, more than half a million times as much, and enough to power a two-person household for about three months. OK, so with bitcoin, banks can’t just remove money from your account at their own discretion. But does this really happen? I have never heard of a bank simply taking money from someone’s account. If a bank did something like that, they would be hauled into court in no time and lose their license. Technically it’s possible; legally, it’s a death sentence. Of course scammers are active everywhere. People lie and cheat. But the biggest problem is scams by data suppliers. (for instance: someone secretly registers a hunk of horse meat as beef), not by data administrators (for instance: a bank makes money disappear). A blockchain is a database – it’s not a self-regulating system that checks all data for correctness, let alone one that calls a halt to unauthorised building works. The same rules apply for blockchain as for any database: if people put garbage into it, what comes out is also garbage. Or as Bloomberg columnist Matt Levine wrote: “My immutable unforgeable cryptographically secure blockchain record proving that I have 10,000 pounds of aluminium in a warehouse is not much use to a bank if I then smuggle the aluminium out of the warehouse through the back door.” Data should reflect reality, but sometimes reality changes and the data stays the same. That’s why we have notaries, supervisors, lawyers – actually, all those boring people that blockchain thinks it can do without. But wasn’t that the whole point of blockchain, that you could do without these trusted third parties? So what are they doing here? If you ask me, they’re building a completely normal, run-of-the-mill database, but extremely inefficiently. Once you’ve cut through all the jargon, the report turns out to be a boring account of database architecture. They write about a distributed ledger (that’s a shared database), about smart contracts (that’s an algorithm) and about proof of authority (that’s the right to veto whatever is entered in the database). “I work with code, so people see me as a magician,” he said proudly. It was always rather surprising to him – a magician? He spends half his time yelling at his screen in frustration, while he programmes strips of duct tape to repair creaky PHP script from years and years ago. What Tim meant was that ICT is like the rest of the world – a big old mess. And that’s something that we – outsiders, laypeople, non-tech geeks – simply refuse to accept. Councillors and managers think that problems – however large and fundamental they are – evaporate instantaneously thanks to technology they’ve heard about in a fancy PowerPoint presentation. How will it work? Who cares! Don’t try to understand it, just reap the benefits! According to a recent survey carried out by consultancy firm Deloitte, 70% of business executives said they had a lot of expertise in the field of blockchain. The greatest advantage of blockchain, according to them, is its speed. That's a bit stupid, because even fanatics see speed as a problem, not a feature. This is the market for magic, and that market is big. Whether it’s about blockchain, big data, cloud computing, AI or other buzzwords.
Is this the last decade of cash? The corona pandemic is not helping. Belgian media is picking up the Australian news about the coronavirus found active 28 days on banknotes, without understanding that the 28 days is on the Australian polymer and paper banknotes, while Euro banknotes are made of cotton fibers on which the coronavirus gets inactive rather quick. https://medicalxpress.com/news/2020-04-euro-banknotes-safe-coronavirus-ecb.html You are touching so much in shops, including the pay terminals everyone is touching, that cash won't add much risk. Until this year, I used to not care, and pay everything electronically. But in March I became the victim of an identity theft. My bank account was frozen, my bank cards and payment app blocked. Opening new bank accounts or credit cards was impossible due to being on a blacklist. My employer could not pay my salary in cash. For most professions this is forbidden by law since 2016. Friends lent me cash. But I discovered cash was refused at supermarkets, shops, public transport, parkings, fuel stations, hospital, physiotherapist, online webshops, Uber, Deliveroo, etc. Sometimes because of corona anxiety, but often already from before 2020. Prepaid cards could be a nice solution. But even while they are debit cards, in Belgium they seem to be refused where credit cards are refused, since they are Visa or Mastercards cards. These are refused in many Belgium places, since merchants don't like the higher costs. Not many prepaid cards allow charging with cash. And their availability is in recent decline: this year at least the following prepaid cards stopped or are announced to stop: Carrefour prepaid Flex card, BNP and Hello. The decline might be due to new very strict EU anti-money laundering laws. The anonymous prepaid cards (and generic gift cards) are now restricted to 100 euro maximum recharge in their lifetime and 50 euro payments. Cryptocurrencies are also in theory a nice solution. But their acceptance in Belgium is extremely limited. Thanks to Takeaway accepting bitcoin, I could order delivery from many local snack restaurants. But I discovered that bitcoin and most other cryptocurrencies, while having an "anonymous" reputation, are actually only pseudonymous and extremely open and transparent: for every transaction the origin address, destination address, amount and timestamp are recorded for eternity in a public ledger for everyone open to consult. When I buy something, the merchant can see how many coins I have in my wallet address. Buying, spending or selling coins are activities that can get your name connected to your addresses. Developers try to solve this privacy issue, but I'm afraid the war on anonymity (related to the war on cash) will crush that before cryptocurrency payments become popular. So, my identity theft experience has awakened me: sharing your personal details in so many places caries a lot of danger. Think about it: while the law became more strict, there are still many (online) shops and restaurants taking knowledge of your credit card number, expiry date, CCV and your name. That's still enough information to do fraudulent payments in many places. The cashless society is a surveillance society, with every payment traced. And it creates a lot of dependencies: electricity, internet, and permission by the banking and payment system. Once you are on a blacklist, even if you did nothing wrong, but somebody pretended to be you and did fraudulent payments, you are screwed for at least months. So, now that I'm finally off the blacklist, I opened several bank accounts. That will not help for all issues, but still: having only 1 bank is really dangerous. And from now on I pay everything possible with cash. Not just to keep my personal details safe, but also to keep the cash usage statistics high. Did you notice that the financial sector is regulary reporting the cash withdrawals decline? They report both the total amount withdrawn and the number of withdrawals. I learned that the bank and payment processors are fighting a war on cash and they are actively lobbying the government for a reduction of the cash payment limit to 50 euro. Yes, an insane fifty euro! The banks are lazy about cash and want to impose negative rent without risking a bankrun. No cash is no bankrun. The payment processors just love the percentage they get from every payment. Currently the acceptance of euro banknotes and coins for debts is compulsory by European law. But many merchants violated the law and we had at least one Belgian minister ignoring the enforcement. See e.g. this article from 2019: https://www.bruzz.be/samenleving/no-cash-doet-intrede-brusselse-horeca-2019-05-10. The law has exceptions, e.g. for security reasons such as a pandemic. After the pandemic I will try to report all cash refusing merchants. Merchants that refuse to accept cash payments can be reported at https://meldpunt.belgie.be or https://pointdecontact.belgique.be/. But I guess it is better to wait until after the pandemic. We need to defend the right to use cash. And a crucial action to avoid the end of cash is to keep using it as much as possible. Every time you pay with a bank card or app, you contribute to a cashless future where:
banks, payment processors and government have total control over your finances (see protestors in Hong Kong preferring cash payments).
every financial transaction is monitored and logged forever.
your financial data will be used to calculate your social credit (already happening in China, that is eager to export that concept and technology).
every payment can be blocked (already happening with webcam sex workers).
personae non gratae can be totally financially blocked.
tourists have a hard time paying. E.g. in China, most payments, including toilets, need to be done with the WeChat app, but without Chinese bankaccount it's hard to enable WeChat payments.
you are in trouble when electricity, networks or payment systems go down.
banks can easily charge negative rent because you can't withdraw your money.
when banks or governments are in need of money, they easily take a percentage of your money (like they did in Cyprus with the bank deposits above 100000 euro, and as they initially wanted to do under 100000 euro too).
people spend more, up to the level financial mismanagement, because cashless payments disconnect the pleasure of buying from the pain of paying. Studies show that psychological effect already. See e.g. "consumers are more likely to buy unhealthy food products when they pay by credit card than when they pay in cash." in https://academic.oup.com/jcarticle-abstract/38/1/126/1798815
homeless people and charities are less able to get donations. Experiments and data are showing the effect already now people are carrying less cash.
What is Your Biggest Worry For Further Bitcoin Implementation?
I think most people here belief in the network effect of Bitcoin, and that it has a great future. But what kind of impact do you think the current situation in the world could have on Bitcoin implementation? There seem to be so many black/white swans coming from all sides. Or is this good for Bitcoin?
Since everyone fails, My Review on Buymoda, ModafinilXL, And Express PCT also some questions.
Don't really remember how to use reddit, had to login to an old account as I browse this thread daily almost entirely since March during covid times as all my previous orders were always like 2-3 weeks. Please give me a moment to figure out how to upload my tracking info photos or comment. Thanks
1 ExpressPCT, only just heard of them and used them recently, They have USA shop, UK shop, European, And international. They seem to always be out of stock for USA stock on modafinil which they have limited to (4) 10 packs of modvigil 200mg, what I've done is saved that link to my homescreen on phone and randomly check. For example last night they were in stock, this morning already out of stock.
Order from them for USA domestic (4) 10 packs modafinil 200mg (modvigil hab pharma) Ordered and paid via Zelle on bank app Order went through 8/14/20 friday evening arrived on 8/20/20 They always responded to me within the hour. Never got tracking number. Again ordered from them from their European shop on 9/3/20 for (30) 250mg nuvigil, tracking says it should arrive on 9/9/20, coming from turkey using fedex so well see lol.
2 Buymoda was unsure if I should make them 2nd or modafinilxl, As back then I always used afinilexpress until like 2019 started using modafinilxl and didn't have issues aside from Express taking 18+ days.
Regardless as covid pandemic I decided to use buymoda as I seen horrid posts on here about arrival times from other vendors. So on 5/18/20 I made an order for 100 modvigil and 10 free packets and I paid via paypal. Transaction was really smooth and easier than bitcoin for me. Received my tracking on 5/20/20 Probably checked track17 and parcelapp every day for damn near 16 days till I noticed it was on track and package arrived 6/18/20 even though it went through the Chicago blackhole. I don't know why but my tracking info stopped on 6/18 showing out for delivery. Now it says in transit for 118 days but that's not correct I got my package on 6/18. It leads me to believe that's the same for many others who are just hoping for a free reship.
3 ModadinilXL never had issues with them before pandemic aside from always ordering 100 pills using bitcoin and even with the express shipping pre covid times it always took 18-25 days, started to believe the Express shipping was just BS made me appreciate the old afinilexpress days of free shipping in 2 weeks.
Regardless made my order on 5/20/20 finally went through on 5/30/20 after multiple emails, Tracking didnt update till nearly arrived on 7/9/20 showing 25 days in transit, but technically it was over 30 days since I made the order. Also recently before using expressPCT I gambled a bit in trying FLModafinil using Kingthelamathus, I was ordering powder 2 grams for $25 and with shipping spending $35 and arriving at my doorstep within 1 or 2 days of order if before 12PM That shit was almost too strong, granted I've been using 2 200mg mods daily, I was filling a capsuls with what i expect was probably 200-300mg of the Flmodafinil, it was same effects of armo little stronger, when I stopped taking it due to receiving expressPCT order it made it so I had to take like 3 or 4 modvigils just to feel any effect. So I've been on a break not taking them for a week or two, probably won't use my armo coming in on the 9th till the end of the month to lower my tolerance. So that's my experience during pandemic times, my experience always on these forums etc. Reading everyone's reviews and everyone panicking, everyone questioning everyone's reviews and such, I had to login and post this. It's getting ridiculous. Especially the fact people posting about orders taking 3 months doesn't make sense, maybe they are hoping for a free handout from these vendors. Again I'll have pictures posted here within the hour of tracking
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Highlights of Project Lyfcoin
Project Lyfcoin is here to reinvent how cryptographic transactions are facilitated. For the success of this project and to change how things have been done all these while, Project Lyfcoin has the following properties to offer: Crypto Marketplace It is high time cryptocurrencies integrated into the mainstream financial system where they will roll with the likes of fiat currencies like Euros, Dollars, and Pound Sterling. Of course, that proves to be a mountain too high to climb because the government and centralized financial regulators will kick against that as they did during the hay days of Bitcoin. That notwithstanding, Project Lyfcoin opted to push for that cause by creating a crypto marketplace where digital assets will be used for payments.
Worthy of mention is that the Project Lyfcoin crypto marketplace in view is set to give the likes of Alibaba, eBay, and Amazon a run for their money.
Conclusion Project Lyfcoin creates a new system for cryptocurrency enthusiasts who are interested in staking their digital assets for passive income. Will you like to stake your crypto assets using the instruments provided by Project Lyfcoin? Look Up the personal attached links below
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Industry of accusation: how do websites publishing compromising material work? Yuri Mosha Experience.
By Ignat Shestakov Photo: Global Look Press/Monika Skolimowska Fake news technologies are becoming more sophisticated, partly owing to the support of Hollywood. Furthermore, the simplest methods of disinformation are getting more and more efficient. Izvestia has figured out why the oldest heads of this monster can never be chopped off. “The oldest heads” are the websites containing compromising material, which make money from customers wishing to ruin lives of their competitors, and from these competitors willing to pay to remove from the Internet publications about themselves having different degrees of reliability. And we are not even talking about such veterans of information warfare like the site compromat.ru, that was created in 1999, blocked in 2017 although still perfectly working, but rather short-living web pages that get created as quickly as then become deleted. Their editorial staff sometimes publishes damaging information not even at the request, but simply to keep up with other teams. Kompromat as a business Entrepreneur Yuri Mosha had to deal with compromising materials published on the Internet several times. According to him, back in the early 2010s, such things were done by single websites, unrelated to one another. Some of them positioned themselves as official mass media having editorial staff and real legal addresses. “At that time, we could fight it. We contacted that sites and threatened them with filing court claims. In most cases, it helped, because they were afraid of responsibility”, Mosha told Izvestia. A new wave of compromising material against the entrepreneur who makes money by helping those wishing to move to the United States from the former Soviet Union countries, emerged two years ago. He tried to make a deal with the sites or to make pressure on them through lawyers. But this time it was all pointless: “Now this is big business, and there are groups that have hundreds of websites with dummy registrations”. Photo: Screenshot Mosha contacted several owners of websites containing compromising materials by mail. Some of them were ready to delete publications for $ 7,000, others — for $ 20,000. Ordering publication of material damaging a competitor is cheaper — from $ 50,000 to $ 5,000. “You send an e-mail. They answer: “No problem, here’s a bitcoin wallet, transfer the money and I’ll delete the post.” At the same time each group attaches a list of their sites to an email,” the entrepreneur said. He did not pay anything. Photo: Screenshot I found a dark PR man, whom I paid at the end, however, not for removing materials, but for his advice. First advise was: you should not pay anyone. As soon as you pay, they will understand that you are ready to do it, and you will keep paying for the rest of your life. And even if they play fair and delete you from one site, they will post you on 50 others. He told me: “You see, we all know each other, and we are retyping all publications. As soon as information appears on one resource, the robot transfers it to others. And if a person pays [an owner of one website containing compromising material], he will start to pay everyone”. His second hint was that suing them is useless. Because when there is a court decision, if Federal Service for Supervision of Communications, Information Technology and Mass Media (Roskomnadzor) blocks it (only) on the territory of the Russian Federation, they will see that you are fighting with them, and will publish even more information about you. Third, he said that the target must be not the sites, but Google and Yandex. As he said, they exist due to the support from Google and Yandex. Those two are just like salesmen in a gun shop who sell rifles to buyers who say they will shoot people in the street. They [search engines] do not fight against this [compromising material] at all. Before the lawsuit [with the search engines] I myself sent them information [about compromising material]. I attached a police clearance certificate, a residence permit, confirmation of citizenship. After that I had to go to court. Now Yuri Mosha is negotiating a settlement with Yandex and is suing Google. Read about the difficulties faced by the entrepreneur and other people trying to remove information about themselves from the Internet (especially not from the Internet segment of one country) through court action here. Making business on a kompromat business In recent years, several companies have emerged in the Russian Internet segment that earn money by helping people remove information about themselves from search engines, social networks and mass media. They would not be able to make money if the laws on the right to be forgotten worked well. Here it should be mentioned, that these laws in different forms exist in many countries. And Russia stays behind its neighbors, as there the law only entered into force in 2016. In 2014, the Court of Justice of the European Union adopted the decision according to which the users, in some cases, have the right to request the search engine to remove their personal data from the search results. And the preconditions for this right were already established in the Convention on Human Rights, which entered into force in 1953. In the United States, such cases typically cite Section 230 of the Communications Decency Act of 1996. So, it is difficult and time-consuming to seek a decision to get the data removed from search engines through courts. According to Yandex statistics, the company satisfied 27% of processed requests within three months from the date when the law on the right to be forgotten entered into force (that is, from January to March 2016). Google has more representative statistics, which, moreover, has been collected since 2014. Photo: Depositphotos That is why there are companies that resolve such issues avoiding judicial proceedings. They do not remove links to negative publications from search engines, but instead ensure that first pages of the search contain links to positive publications. They negotiate with social networks, contact websites and sometimes pay them. The founder of one of such companies, Maxim Zlobin, told VC.RU that he first worked with company leaders, government officials and parliamentarians. But over time, he also started to work with individuals. Maxim Zlobin, the ISN founder: Once, a woman from Makhachkala contacted us. Hardly speaking Russian, she asked us to delete information about her sole proprietorship. At first, we could not understand why she needed this because search engines only showed records about the liquidation of the sole proprietorship. But then it appeared that her sole proprietorship had a code of the Russian National Classifier of Economic Activities (OKVED) referring to “Activities of massage parlors”. And although the woman did not provide any massage services to men (for religious reasons), if it became known to her relatives, she would be “forever covered with shame.” To remove this information, we partially used passages of the law on insulting the feelings of believers on the verge of the right to be forgotten. Now half of Zlobin’s clients are businessmen, 30% are politicians, and 20% are public figures or individuals. If you can’t delete it, take the lead There are three methods the businessman uses in his work. The first one is negotiations, including offering money to web-platforms for removing negative publications. But, as noted by Yuri Mosha, this method is associated with high risks, including, first of all, the risk of the Streisand effect when the fact of an appeal may become a reason for new material. Second, there is a risk of getting into bondage when the payments to the web platform would become regular. Prices for publication of the compromising material with which the founder of ISN works are lower than for those Mosha faced. Publishing information with a link to a foreign (containing the compromising information) site, costs €600–800. This allows the Russian kompromat-trash hole to avoid any responsibility for the publication. At the same time, deleting one publication costs from 5,000 to 600,000 rubles. That is, from $100 to about $ 10,000. Photo: ТАСС/Ведомости/Максим Стулов Therefore, the businessman considers the second method — work with search results — to be the most effective. Whitewashing articles about the client get posted and promoted in search engines. Thanks to this, the tarnishing publications move down to other pages of search results. And the third way is a legal battle. When it comes to search engines, the right to be forgotten is used for this, but the common idea is that even if “there is some success in the court, in order to remove the information, you will have to go straight to the Constitutional Court”. Zlobin’s experts also use the law on personal data, which, in particular, states that no information about citizens of the Russian Federation can be stored and processed on the servers of foreign companies without the consent of these people. With social networks, according to Zlobin’s experience, it is often possible to reach an agreement provided that there is a reasonable proof that the compromising material is fabricated. Kompromat on a business on a kompromat business However, all this is useless, as Yuri Mosha noted with regret. Faced with the problem of kompromat, he contacted several companies of this kind. He did not mention ISN among those in his interview with Izvestia’s correspondent, however. And those he had contacted left him disappointed. Yuri Mosha, an entrepreneur: They cannot do anything. Some of them need a court decision. Others say, “We’re going to overlay [the negative content] with a positive one.” But I create such content myself, I have 5 thousand videos uploaded on YouTube, and it still doesn’t work. All these companies are just scammers. They can’t do anything. I contacted one site [containing compromising material]. They said: half bitcoin [for deleting publications]. Then I contacted a company. They told me they would call back. They did call back and promised to solve the problem for one bitcoin. Short-living website publishing compromising material of a different degree of truthfulness represent an ultimate expression of the fake news industry. Unlike the Hollywood-sponsored fake video technology, which (so far) takes resources and time, a site with catchy headlines can be created in several hours. And just as easily it can be removed from the Internet, as, for example, it happened with ostorozhno.ru. The Site on Dangerous Connections, as was introduced by its authors, appeared in 2008. It published a standard set of material compromising politicians, including those of the Ural region, wrote URA.RU. Now the website link leads to a Riga travel guide with text stolen from a real travel site and ridiculous low-resolution photographs. It is quite obvious that when the money for the removal of the compromising material arrived, the creators simply covered it with a previously prepared dummy. And when a new order arrives, they will again remove it and continue to earn on lies. Because it is so easy to create, remove, and reproduce such sites, they cannot be defeated. The University of Oxford recently published a report on the fight against fake news in various, primarily European, countries. The term \"fake news\" addressed during the talk \"Between facts, fakes and manipulations - how do we defend democracy on the Internet?\" at the Ministry of Justice in Berlin, Germany. Photo: Global Look Press/dpa/Jörg Carstensen The governments of all these countries do not make any attempts to counteract the sites posting compromising material. Because they just cannot. Most are trying to shift the responsibility onto social media. For example, in Germany, Facebook is threatened with a fine of up to €50 million if "obviously illegal" content is not removed within 24 hours. In some other countries, like Turkey or Bulgaria, according to the authors, the fight against fake news simply justifies the pressure on the opposition. And only two European countries, Sweden and Holland, came to an idea of teaching people to distinguish between rumors and the truth. Other countries, in contrast, just keep prohibiting things without obtaining any reasonable effect of this.
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World’s First KIM Blockchain Jewelry Flagship Store Opens in Chengdu, China
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TSLA +45% IN A WEEK New Records for NASDAQ Today’s market got off to a roaring start with the carryover strength from our missed Friday and solid results in European and Asian markets. There were buyers in the big 5 names, like there have been everyday for the past month propelling the averages higher. The DJIA was a rather short-range day at just under 300 DP’s but finished +459.67 (1.78%), NASDAQ +226.02 (2.21%), S&P 500 +49.71 (1.59, the Russell +11.02 (.77%) and the DJ Transports +151.24 (1.64%). Market internals were 10:1 early but settled in to finish 2.2:1 on the NYSE and 2:1 on NASDAQ. The DJIA finished 28:2 with the leaders, as expected, GS +68, AAPL +67, BA +49 and several in the +32 to 34 DP’s. ISM numbers were back in expansion territory @ 57.1 vs. 49 est. and May’s 45.4. We sold the CVS calls this afternoon since it has continued to underperform, and the NEM 7/17 $60’s @ 1.55 and added to last Friday @ $1.30 for an average of $1.47 triggered a 100% Up Rule sale at $2.94 this morning. They closed today $2.40. We also added a position in SLV 8/21 17 calls @ $ .74, and they closed $ .76, and we also added a NEM bull spread using the August 65 / 70 calls @ $1.30. Our “open forum” on Discord, which allows me to interact with subscribers and others to allow direct questions and chart opinions on just about any stock, continues to grow with more participants every day. It is informative and allows me to share insights as the market is open and moving. The link is: https://discord.gg/ATvC7YZ and I will be there and active from before the open and all day. It’s a great place to share ideas and gain some insights, and we’ve grown to almost 1900 members. I also did this video titled “How to survive being an options trader and not blow up your account,” over the long weekend. I think it’s highly informative as a guide to stock selection and option choices. The link is https://youtu.be/Y7H9RpWfLlo Enjoy!! Tonight’s closing comment video: https://youtu.be/YpVpmI9-3Q4 SECTORS: The UBER purchase of Postmates (shopping and delivery service) for $2.65 billion was a positive for the stock, closing $32.52 +1.84 (6%), and the Berkshire purchase of Dominion Resources (D) was good for a gain of 2.43% for BRK but Buffett must have made a very good deal because D finished the day $73.59 -9.10 (11%). Workhorse (WKHS), a company that is manufacturing electric delivery vans, and was under $3 on June 1st followed with an 11-day move to $22.90, finally succumbed to gravity and fell back to close $17.61 -3.30 (15.78%) and fell to $16.01 in late trading to finish -4.90 on the day. FOOD SUPPLY CHAIN was HIGHER: FOOD SUPPLY CHAIN TSN 59.45 1.02 BGS 24.85 0.48 FLO 22.05 -0.15 CPB 49.31 -0.01 CAG 35.54 0.13 MDLZ 51.62 0.13 KHC 32 0.19 CALM 45.09 0.58 JJSF 124.99 1.41 SAFM 113.28 1.78 HRL 47.99 -0.09 SJM 105.87 0.85 PPC 16.75 0.02 KR 33.73 0.23 PBJ 31.5 0.29 0.92% BIOPHARMA was MIXED: BIOPHARMA BIIB 269.8 4.68 ABBV 99.01 0.14 REGN 627.25 4.8 ISRG 584.64 4.16 GILD 76.76 0.41 MYL 16.54 0.61 TEVA 11.52 0.17 VRTX 291.31 0.21 BHC 19 0.66 INCY 107.79 1.32 ICPT 46.1 -0.99 LABU 60.79 -0.03 IBB 139.44 0.9 0.65% CANNABIS: was LOWER: CANNABIS TLRY 7.85 0.89 CGC 16.94 0.49 CRON 6.45 0.28 GWPH 126.53 1.18 ACB 12.18 -0.09 CURLF 5.85 -0.07 KERN 8.22 0.01 MJ 13.09 0.17 1.30% DEFENSE: was HIGHER: DEFENSE LMT 362.59 0.59 GD 148.47 1.17 TXT 33.22 0.77 NOC 312.4 2.43 BWXT 55.99 -0.05 TDY 304.79 6.34 RTX 63.32 1.53 ITA 166.42 2.83 1.70% FAANG and Big Cap: were HIGHER: FAANG AND BIG CAP GOOGL 1499.65 29.72 AMZN 3057.04 166.74 AAPL 373.85 9.74 FB 240.28 6.86 NFLX 493.81 16.92 NVDA 393.57 9.08 TSLA 1371.58 162.92 BABA 240 16.59 BIDU 132.93 9.63 CMG 1125.92 69.47 CAT 129.43 1.6 BA 187.91 7.14 DIS 114.43 2.25 XLK 107.11 1.84 1.72% FINANCIALS were HIGHER: FINANCIALS GS 207.36 9.96 JPM 95 2.34 BAC 23.66 0.38 MS 48.82 1.03 C 51.97 1.43 PNC 103.35 1.2 AIG 30.74 0.81 TRV 114.57 2.14 AXP 96.58 2.26 V 197.76 2.09 XLF 23.41 0.44 1.88% OIL, $40.62 -.02: FINANCIALS GS 207.36 9.96 JPM 95 2.34 BAC 23.66 0.38 MS 48.82 1.03 C 51.97 1.43 PNC 103.35 1.2 AIG 30.74 0.81 TRV 114.57 2.14 AXP 96.58 2.26 V 197.76 2.09 XLF 23.41 0.44 1.88% GOLD $1,793.50 +3.50: GOLD NEM 61.18 0.22 SLV 17.05 0.34 GLD 167.98 1 GDX 36.84 0.67 GDXJ 50.42 1.29 WPM 44.36 1.07 Bitcoin 9337.87 GBTC 9.94 0.57 BITCOIN: closed $9,355 +295. After trading back to 8985 we rallied back to close – only $5. Since last week we have closed between 9200 – 92.85 every day with narrow ranges and today was a good start to move higher. A break over 10,000 still sends us higher. We added 350 shares of GBTC last Wednesday @ $10.02 to our position of 400 @ $8.06, bringing our average price to $8.97. GBTC closed $9.93 +.56 today. Tomorrow is another day. CAM
Thai Nhat Minh | Stably: First of all, can you have a brief introduction about yourself as well as about Chromia? Henrik_hjelte, Sergelubkin Henrik Hjelte: Hello. My name is Henrik Hjelte. I am Co-Founder and CEO of Chromia. I have more than 30 years of experience in programming and a degree in Economics from Uppsala University. BTW economics and computers = blockchain, so finally found a job that fits me. I was introduced to the blockchain by the leader of the colored-coins project Alex Mizrahi in 2013 Colored coins project was a very influential thing It was the first way for user created tokens bolted on to the only blockchain at the time (almost) bitcoin We started ChromaWay 2014, with Or Perelman too, to explore if the world was interested in “tokens” and those kind of applications We worked with enterprise blockchain for some time, but now we are focused on Chromia, a new public platform for mainstream decentralized applications using relational blockchain technology. Ok, maybe I should tell something about Chromia and not myself too. Chromia is a better blockchain for building decentralized Apps. better because it follows the “normal worlds” way of managing data. A little history: I found a text/description to paste: Chromia is a brainchild of ChromaWay. ChromaWay has a long record of delivering pioneering projects around the world. We issued Euros on the Bitcoin blockchain with LHV bank, allowed investors to invest in startups in a wholly decentralized way with Funderbeam, digitized the title transfer process with the Swedish land registry, and mediated the green bond market. ChromaWay’s core team created the world’s first protocol to issue tokens already in 2012, when blockchain was called “bitcoin 2.0”. Then ChromaWay introduced the relational model to enterprise blockchains with a consortium database called Postchain. Now Postchain is going public as the foundation for Chromia, a better blockchain for building decentralised Apps. Chromia is a new public blockchain based on the idea of integrating traditional databases, Relational databases with blockchain security. Chromia is a general purpose blockchain with full smart contract capabilities, just that it is a lot easier to code, even complex applications. You code with an easy to learn new programming language that combines the power of SQL and normal languages but makes it secure in a blockchain context. Up to 1/10 the code-lines vs other blockchains. If you don’t believe me, check this blog (later, stay in the chat): https://blog.chromia.com/reasons-for-rell-compactness/ The aim of Chromia is to combine relational databases, which exist in every kind of organization, with blockchains. We want to provide a platform for our users to develop totally decentralized apps securely. Our goal is for Chromia to be seen as the number one infrastructure for decentralized applications. Think about it: blockchain is about managing data (in a shared context). And… What do we use to manage data? A Database! Serge: Sure! My name is Serge! And I work in Chromia marketing department. Also, I help coordinate various projects inside the company My background is in Economics and Marketing Thai Nhat Minh | Stably: Question 1️⃣ DApp is currently mainly concentrated in the field of games, and its life cycle is basically short, just like the Crypto Kitty is only hot for a while, how to dig the application of DApp in more fields and how to improve the utilization rate of DApp? u/henrik_hjelteu/sergelubkin Serge: Good one, let me answer Gaming is quite a challenging target because good UX is expected, it needs to be fast, responsive, etc. If we can do that, then we can also do all sorts of other stuff. Also, it lets us experiment with things without a lot of hassle, it’s easier to get users, and so on. It’s also a growing niche within blockchain. You can check our latest game, Mines of Dalarnia https://www.minesofdalarnia.com We also have Enterprise projects already, for example Green Assets Wallet https://greenassetswallet.org/about that already launched on the first Mainnet version called Bootstrap Net,we also have https://capchap.se built on our tech, more projects like non-profit review platform Impactoria, public land registries, medical projects and so on Also don’t forget about our fully decentralized social network/forum that is live already on the testnet https://testnet.chromunity.com. Thai Nhat Minh | Stably: Question 2️⃣ How will dapp face the world change after the epidemic? u/henrik_hjelteu/sergelubkin Henrik Hjelte: Nobody can say for sure, but maybe people will tend to be online more than offline, so demand on online products and dapps as well will increase. I just came in from an internal demo of a secret project we do, and it can be seen as a way to hang out online (a bit cryptic answer) There are also interesting use cases of dapps in the medical field. For example, we participated in the world-wide hackathon Hack for Sweden. Where our submission was to create an app on Chromia blockchain that increases the coordination between countries and hospitals especially during the hard time and COVID19. Chromia wants to help the European Union (and the world, but we saw problems in the EU…) and its citizens to provide transparency over the necessary medical and protective devices and appliances of which we see shortage during this emergency crisis. You can watch our promo here https://twitter.com/chromaway/status/1247557274337447938?s=20. For me it was a fun Hackathon too because for once I got the opportunity to code… I told everyone else I will not do any bossing… We try to continue this path on medical applications a bit. Thai Nhat Minh | Stably: Question 3️⃣ DApps are still not directly embedded in mobile phones like Apps at this moment, and DApps have also been flooded with bet content. How can guests increase the use of DApps and lower the threshold for using DApps? u/henrik_hjelteu/sergelubkin Serge: The answer is — better User Experience. We believe that in order for a DApp to be usable and become more widely accepted it has to feel like a normal App. A DApp needs to have quick transactions, scale well & shouldn’t require users to pay for each transaction. This is something that is possible now with using Chromia. It’s an extremely exciting time since we are going to see a new generation of DApps. On top of that, we think that we might have an ace coming up. We have built a game to demonstrate the powers and possibilities of Chromia. A little bit about the game: In Mines of Dalarnia (https://www.minesofdalarnia.com), players get to explore the vast expanses of interplanetary treasure mines. With an innovative Dalarnia Token system, players can purchase virtual mining plots, and put them up for rent into the community, allowing for real-estate tycoons to earn more Tokens. Mining plots can also undergo their own upgrades, making them more lucrative to explore, as well as a hot property for rental by miners. The game takes advantage of these NFT-based tokens to securely track exchanges, and provide a sense of ownership and wealth to players as they grow their mining and resource empire. Watch our trailer https://youtu.be/bDXKOp1Asqw and sign-up for the TestNet on the website! Thai Nhat Minh | Stably: Question 4️⃣ Many practitioners think that the main reason for restricting the development of DApp is “incomplete infrastructure”. How effective is the current “cross-chain” and “side-chain” solution? u/henrik_hjelteu/sergelubkin Serge: Our infrastructure resembles Alibaba Cloud, so a DApp developer just goes and deploys his DApp’s blockchain into it, it’s easy. Also our language Rell https://rell.chromia.com/en/maste is more robust than any other blockchain programming language.Or Azure or AWS Rell combines the following features:
Relational data modeling and queries similar to SQL. People familiar with SQL should feel at home once they learn the new syntax.
Normal programming constructs: variables, loops, functions, collections, etc.
Constructs which specifically target application backends and, in particular, blockchain-style programming including request routing, authorization, etc.
We want people to join our channels such as telegram, twitter, email also our decentralized forum https://testnet.chromunity.com and participate in discussions
We want people to try our dapps such as Mines of Dalarnia
We want to get feedback and understand the most important issues people care about Chromia and the blockchain industry in general
We want to get more developers building on top of Chromia
LBTS: What was your motivation for creating RELL and not use other languages? What benefits? Why name it RELL also? Henrik Hjelte: We have a private/federated relational blockchain called Postchain, and it allows SQL. But that can work in a small environment when you know all parties, and if you are really careful in checking code. But not for a more secure, distributed on the web setup, so we had to make it more secure (Deterministic, statically typed). In the process, we also took the opportunity to make it cool and nice. Also: it is simply not possibly to use evm, jvm, or web assembly. We need/want a database in the bottom. Postgresql is our virtual machine. You do not reimplement that…. 10+ years codebase…. Lee: Being part of the gamer community, I would like to know what you would think about collaborating with a MOBA, RPG or Arcade game or some kind of project? Henrik Hjelte: We are already collaborating with some smaller studios. For bigger fish, we want to show them what is completely unique and visionary with Chromia, and we think we need various examples. So, first arcade game MoD (linked above) is one example, it is not the full potential or anything but a start. In this summer, krystopia 2 a puzzle game from Antler Interactive will be released. What is even cooler is the “demo project” we do together with them, where we will show how a mutliplayer game with real blockchain features will work. I just saw it an hour ago and was blown away OH, and there is another studio releasing something very cool. Full logic on chain strategy game. Chain of Alliance. oyibo pepper: Do you encourage HACKATHON programs for intending Developers to test their skills and build on RELL Can you explain more about CHROMIA AMBASSADORS PROGRAM, CAN I BECOME AN AMBASSADOR Serge: Yes, you can, but you will need to change your avatar 🤣 Seriously, we are growing our Chromians community if you want to become one please ping our admins in Chromia telegram group. Also, we are planning virtual hackathons soon, please subscribe to stay updated Infinite Crypto: Since the Chromia project is currently working on the Ethereum blockchain ERC20 standard! But we know that there are a lot of scalability issues with Ethereum, so why would you choose the Ethereum blockchain over other scalable blockchains? Do you have any plans for Mainnet launch of Chromia? Henrik Hjelte: ETH is just used in a pre-phase for tokens. We will have our own mainnet tokens interchangable with ETH. Oyinbo pepper What’s CHROMIA SSO and SDK, how can I get started Henrik Hjelte Both are 3 letters. That is what they have in common. SDK = software development kit, check docs on https://rell.chromia.com SSO = single sign on. A unique UX improvement. You approve an app in your wallet (vault) with super ease. no need to remember codes sso: https://blog.chromia.com/chromia-sso-the-whys-and-the-whats/ We have a fundamentally different model from bitcoin and ethereum and the likes. The blockchain is not run by anonymous computers in basement and student dorms across the world. We have more of known identities, so 51% attacks is protected not by PoW/PoS but other consensus. Please see our whitepaper. Note that we are not noobs when it comes to this, our CTO Alex has published papers in academic journals on consensus etc. from 2013, and done several important ideas for blockchain. Sidechains we think he was first with, tokens too. Sheron Fernando: Is there any plan to makes partnership with local cryptocurrency developers from each country to make $CHR usage more worldwide? Serge: Yes, we are looking for cooperation with more external developers. Send me a message if you are interested in developing something on Chromia. Stella: What are the underlying problems in the Dapps today that can be solved with the Chromia protocol? Serge:
Scalability — on Chromia your dapp can have unlimited numbers of users thanks to parallel scaling
Easiness of use — you don’t need external wallets, no need to buy crypto to pay for gas etc
Cost — in general to deploy the dapp and to use the dapp
Marcel Lagacé: Why build this platform? What is Chromia mission? What are the most prominent features of the platform? Can you clarify the use case for this feature? Henrik Hjelte: We build the platform to fix the problems with blockchains, that we ourselves have experienced since 2014 (before ethereum existed). LBTS: Can you tell us about Chromia developers? How motivated and experienced are they to always deliver the best products? Henrik Hjelte: I can tell you that we recruit developers that are really good, from all parts of the world. Vietnam has been a hub because we found many good, so in Ukraine. How can we say “we have so good developers”? First one thing that is a bit different is that we are pretty experienced in leadership team of development. I do not code much anymore since I’m a CEO. But I do have now over 30 years of experience. Got published and was payed when I was 15. First full-time professional developer job at 18. Have released open-source projects used by 10: s of thousand developers. And Alex, our CTO is Extremely good. That is why I recruited him to my old startup 2006 or so… So: we have experience to sort out good developers from bad. Marcel Lagacé: Does Chromia staking model is different from other staking platform?? What are the beneficial advantages of chromia staking system? Serge: The main difference is that we have independent Providers, entities that are not connected. These serious players are exchanges, data centres, professional staking companies. They provide a backbone of the ecosystem and host dapps. Like Amazon servers in the cloud. They cannot have stake bigger than the maximum thus they can’t control the network. This is probably the main difference with classic DPoS networks Nguyen Duy Bao: A lot of people will want to know what the strength of Chromia is but I want to know the weaknesses and problems Chromia faces ? How do you plan to solve it? Henrik Hjelte: A weakness I guess is weak compared to “competition”. And there are some blockchain projects that got crazy amount of funding. So how can we compete with that, when they can hire more developers for example? Well here is what experience comes into play: More developers does not always increase productivity a lot, it is diminishing returns. You can see many large projects, with 100 of developers fail miserably with no results. And actually, sometimes true with marketing spend too. It is generally good with money, but if you are a bit clever you can compete also on marketing with less money than your competition. Please follow Chromia on Social Media: Website: https://www.chromia.com Twitter: https://twitter.com/chromia FaceBook: https://www.facebook.com/teamchromia LinkedIn: https://www.linkedin.com/company/chromia Telegram: https://t.me/hellochromia Decentralized Social network Chromunity: https://testnet.chromunity.com Free-to-Play Blockchain Game Mines of Dalarnia: https://www.minesofdalarnia.com
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Heinisch, Christina Holtz-Bacha, Oscar Mazzoleni (Ed.)(self) 1 [BOOK] Effective Strategies for Protecting Human Rights(self) 4 [BOOK] The Unprovability of Consistency - George Boolos(self) 1 [BOOK] 'The Unity of Hegel's Phenomenology of Spirit: A Systematic Interpretation' Jon Stewart, Northwestern University Press (2000)(self) 1 [Book] Campus Wars by Kenneth J Heineman(self) 3 [Article] Circuit Theory for Waveguiding, Robert E. Collin(self) 1 [Other] [UpToDate] Attention deficit hyperactivity disorder in adults: Epidemiology, pathogenesis, clinical features, course, assessment, and diagnosis(self) 2 [BOOK] Quark-Gluon Plasma: From Big Bang to Little Bang(self) 10 [Book] The Representation of (in)definiteness - It's on archive.org but I can't seem to be able to download it(self) 1 [Book] Aginid bayok sa atong tawarik(self) 1 [Book] Political Economy In Macro Economics By Allan Drazen and Political Control of the Economy By Edward R. Tufte(self) 4 [Book] The Routledge Companion to Animal-Human History(self) 4 [Article] Inventing Brands: Opportunities at the Nexus of Semiotics and Intellectual Property by Conley, J. G.(self) 6 [Chapter] MULTICULTURALISM, OR, THE CULTURAL LOGIC OF MULTINATIONAL CAPITALISM by Slavoj Zizek(self) 5 [Article] Value articulation : A framework for the strategic manage- ment of intellectual property by Conley, James G., Peter M.Bican, and Holger Ernst(self) 3 [Book](JSTOR)Why We Believe: Evolution and the Human Way of Being by Agustin Fuentes(self) 1 [Book](self) 1 [Book] Ottoman Explorations of the Nile: Evliya Çelebi’s Map of the Nile and The Nile Journeys in the Book of Travels (Seyahatname) - Dankoff, Tezcan & Sheridan(self) 1 [Article] The Jewels of Adad by FNH Al-Rawi, JA Black(self) 1 [article] A measurement of collective learning effects in Italian high-tech milieux(self) 1 [Article] Parasympathetic activity is reduced during slow-wave sleep, but not resting wakefulness, in patients with chronic fatigue syndrome - Fatt et al., 2020(self) 1 [Book] Linked Data for Libraries, Archives, and Museums, by Seth van Hooland and Ruben Verborgh(self) 4 [Book] The Oxford Handbook of Well-Being and Public Policy - Edited by Matthew D. Adler and Marc Fleurbaey(self) 4 [Book] The Ostrich Communal Nesting System(self) 1 [Article] Protracted Effects of Ketamine Require Immediate Kappa Opioid Receptor Activation and Long‐Lasting Desensitization - Jacobson et al., 2020(self) 1 [Book] The Routledge Handbook to the Political Economy and Governance of the Americas by Olaf Kaltmeier et al.(self) 1 [Article] Dispute Resolution Provisions of the Energy Charter by Philippe Pinsolle(self) 1 [Book] Regional Development and Planning for the 21st Century New Priorities, New Philosophies(self) 4 [BOOK] Need a book from Oxford Scholarship online on International law subject.(self) 1 [Book] Prehispanic Settlement Patterns in the Upper Mantaro and Tarma Drainages, Junín, Peru: Volume 2, The Wanka Region(self) 4 [Book] Varieties of Virtue Ethics - David Carr, James Arthur, Kristján Kristjánsson(self) 4 [Article] Combustion Characteristics of a Swirled Burner Fueled With Waste Cooking Oil(self) 1 [BOOK] 'Beyond pleasure : Freud, Lacan, Barthes' by Margaret Iversen(self) 5 [Article] Empirical Studies of Adolescent Sexual Behavior: A Critical Review(self) 3 [Article]The sexual attitudes, behavior, and relationships of women with histrionic personality disorder(self) 2 Midsommar: Thing Theory [Article](self) 6 [Article] Microdosing psychedelics as cognitive and emotional enhancers.(self) 1 [Book] (Taylor&Francis) Human Evolution An Introduction to Man's Adaptations by Bernard Campbell(self) 1 [Article] Changing settlement patterns in the upper Mantaro Valley, Peru(self) 1 [BOOK] Fighting for Abortion Rights in Latin America Social Movements, State Allies and Institutions - Cora Fernández Anderson(self) 1 [Chapter] from the book The Crimean War: 1853–1856 Winfried Baumgart chapter 1 , 3 ,18(self) 1 [Book] Models of Integrity: Art and Law in Post-Sixties America -Joan Kee(self) 3 [Article] Forensic medical evaluation of children who present with suspected sexual abuse: How do we know what we know? by Grace Wong(self) 4 [book] Grammatical Voice — Fernando Zúñiga and Seppo Kittilä(self) 2 [Article]Naturally occurring 5′ preS1 deletions markedly enhance replication and infectivity of HBV genotype B and genotype C (supplementary materials)(self) 1 [Book] Commercial Real Estate Analysis and Investments (International) 3rd Edition(self) 2 [Book] Best Practices Guide to Residential Construction: Materials, Finishes, and Details by Steven Bliss(self) 2 [Book] Green Logistics: Improving the Environmental Sustainability of Logistics(self) 1 [Article] Black Codes and Slave Codes by Nakia D. Parker(self) 1 [Book] Marsh's Becoming a Teacher(self) 4 [Book] Germans Against Nazism: Nonconformity, Opposition and Resistance in the Third Reich: Essays in Honour of Peter Hoffmann by Francis R. Nicosia and Lawrence D. Stokes(self) 4 [Chapter] The Standard Story and Its Rivals(self) 1 [BOOK]Agrarian and Other Histories Essays for Binay Bhushan Chaudhuri - Edited by Shubhra Chakrabarti and Utsa Patnaik(self) 1 [Book] Regional modernities : the cultural politics of development in India. Ed. K. Sivaramakrishnan; Arun Agrawal(self) 1 [Chapter] Damping in Structures(self) 1 [Book] Gerontología y geriatría: valoración e intervención. Editorial Médica Panamericana. José Carlos Millán-Calentí(self) 1 [Book] Lotman's Cultural Semiotics and the Political - Makarychev & Yatsyk (2017)(self) 2 [Book] (Brill) The Handbook of Austroasiatic Languages (2 vols)(self) 1 [Book] Indian Films in Soviet Cinemas: The Culture of Movie-going After Stalin by Sudha Rajagopalan(self) 4 [BOOK] Decolonizing Theory: Thinking across Traditions by Aditya Nigam (1st edition, Bloomsbury India)(self) 3 [Request] [Article] Cell-by-Cell Deconstruction of Stem Cell Niches(self) 1 [Book] Social research methods- fifth edition, Bryman, Alan (2016)(self) 4 [Book]Chinese and Indian Warfare – From the Classical Age to 1870(self) 1 [Book] PC-Forensik Christoph Willer(self) 1 [Book] Designing for Empathy: Perspectives on the Museum Experience(self) 4 [book] American Communism and Black Americans by Philip Foner(self) 4 [Book] Marcus Franke : War and Nationalism in South Asia The Indian State and the Nagas(self) 8 [BOOK] Natural Resources, Extraction and Indigenous Rights in Latin America. Exploring the Boundaries of Environmental and State-Corporate Crime in Bolivia, Peru, and Mexico(self) 1 [Book] International Human Rights Law (3rd edn) Edited by Daniel Moeckli - Oxford University Press(self) 4 [Book] Participatory Heritage, Edited by Henriette Roued-Cunliffe , Andrea Copeland(self) 4 [BOOK] Political Representation in Southern Europe and Latin America Before and After the Great Recession and the Commodity Crisis - André Freire, Mélany Barragán, Xavier Coller, Marco Lisi, Emmanouil Tsatsanis(self) 4 [BOOK] Latin America and Policy Diffusion From Import to Export - Osmany Porto de Oliveira, Cecilia Osorio Gonnet, Sergio Montero, Cristiane Kerches da Silva Leite(self) 0 [Book] Sexual behaviour in Britain: The National Survey of Sexual Attitudes and Lifestyles (1994)(self) 1 [book] Studien zur Hirnpathologie und Psychologie - Pick, Arnold(self) 4 [Other] Special Issue, Blockchain innovation and public policy, Journal of Entrepreneurship and Public Policy: Volume 9 Issue 2(self) 4 [BOOK] baby jails: the fight to end the incarceration of refugee children in america/ jstor account??(self) 1 [Journal] Special Issue: Blockchain innovation and public policy, Journal of Entrepreneurship and Public Policy, Volume 9, Issue 2(self) 1 [Book] Blackstone's EU Treaties and Legislation 2019-2020 (20th ed)(self) 3 [article] Deep Graph Kernels(self) 5 [Book] Routledge Handbook of the South Asian Diaspora - By Joya Chatterji, David Washbrook(self) 4 [Book] Growth and distribution(self) 1 [BOOK] The Radical Left in Europe in the Age of Austerity - Babak Amini(self) 4 [Book] Political Myth by Christopher Flood (Routledge) (2002)(self) 2 [Article] Robotic Assisted Radical Cystectomy vs Open Radical Cystectomy: Systematic Review and Meta-Analysis + Niranjan J Sathianathen et al(self) 1 [Book] Folk Art Potters of Japan Beyond an Anthropology of Aesthetics (Routledge) by Brian Moeran(self) 1 [book] Revolution: How the Bicycle Reinvented Modern Britain(self) 5 [BOOK] Radical Left Movements in Europe - Magnus Wennerhag, Christian Fröhlich, Grzegorz Piotrowski(self) 4 [BOOK] Party System Change, the European Crisis and the State of Democracy - Marco Lisi(self) 5 [BOOK] Routledge Handbook of Contemporary European Social Movements. Protest in Turbulent Times - Cristina Flesher Fominaya, Ramon A. Feenstra(self) 4 [Book] Attorney-Client Privilege in International Arbitration(self) 1 [Article] An Alternative Ontology of Food Beyond Metaphysics by Lisa Heldke. Published in Radical Philosophy Review, Vol 15, Issue 1, 2012(self) 1 [Book] Bello, Walden 2005 Dilemmas of Domination: The Unmaking of the American Empire. Zed Books, 2005.(self) 1 [Article] Owning the PastOwning the Past Reply to Stokes(self) 1 [Article] Owning the PastOwning the Past Reply to Stokes(self) 1 [Book] McQuire, Scott. Crossing the Digital Threshold. Brisbane: Australian Key Centre for Cultural and Media Policy, Faculty of Humanities, Griffith University, 1997.(self) 3 [Book] Request: Migration and the Refugee Dissensus in Europe: Borders, Security and Austerity by Nicos Trimikliniotis.(self) 9 [Article] Masculinity in videogames: the gendered gameplay of Silent Hill(self) 1 [BOOK] 'Truth games : lies, money, and psychoanalysis' by John Forrester, Harvard University Press, 2000(self) 1 [Book] Osterloh, Jörg, und Clemens Vollnhals. NS-Prozesse Und Deutsche Öffentlichkeit: Besatzungszeit, Frühe Bundesrepublik Und DDR.(self) 2
TSLA +45% IN A WEEK New Records for NASDAQ Today’s market got off to a roaring start with the carryover strength from our missed Friday and solid results in European and Asian markets. There were buyers in the big 5 names, like there have been everyday for the past month propelling the averages higher. The DJIA was a rather short-range day at just under 300 DP’s but finished +459.67 (1.78%), NASDAQ +226.02 (2.21%), S&P 500 +49.71 (1.59, the Russell +11.02 (.77%) and the DJ Transports +151.24 (1.64%). Market internals were 10:1 early but settled in to finish 2.2:1 on the NYSE and 2:1 on NASDAQ. The DJIA finished 28:2 with the leaders, as expected, GS +68, AAPL +67, BA +49 and several in the +32 to 34 DP’s. ISM numbers were back in expansion territory @ 57.1 vs. 49 est. and May’s 45.4. We sold the CVS calls this afternoon since it has continued to underperform, and the NEM 7/17 $60’s @ 1.55 and added to last Friday @ $1.30 for an average of $1.47 triggered a 100% Up Rule sale at $2.94 this morning. They closed today $2.40. We also added a position in SLV 8/21 17 calls @ $ .74, and they closed $ .76, and we also added a NEM bull spread using the August 65 / 70 calls @ $1.30. Tonight’s closing comment video: https://youtu.be/YpVpmI9-3Q4 Our Discord link is in the video description. SECTORS: The UBER purchase of Postmates (shopping and delivery service) for $2.65 billion was a positive for the stock, closing $32.52 +1.84 (6%), and the Berkshire purchase of Dominion Resources (D) was good for a gain of 2.43% for BRK but Buffett must have made a very good deal because D finished the day $73.59 -9.10 (11%). Workhorse (WKHS), a company that is manufacturing electric delivery vans, and was under $3 on June 1st followed with an 11-day move to $22.90, finally succumbed to gravity and fell back to close $17.61 -3.30 (15.78%) and fell to $16.01 in late trading to finish -4.90 on the day. FOOD SUPPLY CHAIN was HIGHER: FOOD SUPPLY CHAIN TSN 59.45 1.02 BGS 24.85 0.48 FLO 22.05 -0.15 CPB 49.31 -0.01 CAG 35.54 0.13 MDLZ 51.62 0.13 KHC 32 0.19 CALM 45.09 0.58 JJSF 124.99 1.41 SAFM 113.28 1.78 HRL 47.99 -0.09 SJM 105.87 0.85 PPC 16.75 0.02 KR 33.73 0.23 PBJ 31.5 0.29 0.92% BIOPHARMA was MIXED: BIOPHARMA BIIB 269.8 4.68 ABBV 99.01 0.14 REGN 627.25 4.8 ISRG 584.64 4.16 GILD 76.76 0.41 MYL 16.54 0.61 TEVA 11.52 0.17 VRTX 291.31 0.21 BHC 19 0.66 INCY 107.79 1.32 ICPT 46.1 -0.99 LABU 60.79 -0.03 IBB 139.44 0.9 0.65% CANNABIS: was LOWER: CANNABIS TLRY 7.85 0.89 CGC 16.94 0.49 CRON 6.45 0.28 GWPH 126.53 1.18 ACB 12.18 -0.09 CURLF 5.85 -0.07 KERN 8.22 0.01 MJ 13.09 0.17 1.30% DEFENSE: was HIGHER: DEFENSE LMT 362.59 0.59 GD 148.47 1.17 TXT 33.22 0.77 NOC 312.4 2.43 BWXT 55.99 -0.05 TDY 304.79 6.34 RTX 63.32 1.53 ITA 166.42 2.83 1.70% FAANG and Big Cap: were HIGHER: FAANG AND BIG CAP GOOGL 1499.65 29.72 AMZN 3057.04 166.74 AAPL 373.85 9.74 FB 240.28 6.86 NFLX 493.81 16.92 NVDA 393.57 9.08 TSLA 1371.58 162.92 BABA 240 16.59 BIDU 132.93 9.63 CMG 1125.92 69.47 CAT 129.43 1.6 BA 187.91 7.14 DIS 114.43 2.25 XLK 107.11 1.84 1.72% FINANCIALS were HIGHER: FINANCIALS GS 207.36 9.96 JPM 95 2.34 BAC 23.66 0.38 MS 48.82 1.03 C 51.97 1.43 PNC 103.35 1.2 AIG 30.74 0.81 TRV 114.57 2.14 AXP 96.58 2.26 V 197.76 2.09 XLF 23.41 0.44 1.88% OIL, $40.62 -.02: FINANCIALS GS 207.36 9.96 JPM 95 2.34 BAC 23.66 0.38 MS 48.82 1.03 C 51.97 1.43 PNC 103.35 1.2 AIG 30.74 0.81 TRV 114.57 2.14 AXP 96.58 2.26 V 197.76 2.09 XLF 23.41 0.44 1.88% GOLD $1,793.50 +3.50: GOLD NEM 61.18 0.22 SLV 17.05 0.34 GLD 167.98 1 GDX 36.84 0.67 GDXJ 50.42 1.29 WPM 44.36 1.07 Bitcoin 9337.87 GBTC 9.94 0.57 BITCOIN: closed $9,355 +295. After trading back to 8985 we rallied back to close – only $5. Since last week we have closed between 9200 – 92.85 every day with narrow ranges and today was a good start to move higher. A break over 10,000 still sends us higher. We added 350 shares of GBTC last Wednesday @ $10.02 to our position of 400 @ $8.06, bringing our average price to $8.97. GBTC closed $9.93 +.56 today. Tomorrow is another day. CAM
Listen on the go! A daily podcast of Wall Street Breakfast will be available by 8:00 a.m. on Seeking Alpha, iTunes, Stitcher and Spotify. More Wall Street Breakfast Podcasts » Shares of Amazon (NASDAQ:AMZN), Alphabet (GOOG, GOOGL), Apple (NASDAQ:AAPL) and Facebook (NASDAQ:FB) - worth nearly $5T in combined market capitalization - added to gains yesterday even as their chief executives defended themselves in Congress against antitrust allegations. The real test will come today, when the Big Tech companies report Q2 results after the market close. On watch will be figures and trends in e-commerce, streaming, advertising, search, app services, social media and cloud computing. Will investors start rethinking the prices that they're paying for the stocks or will their market position during the coronavirus pandemic justify their valuations? Antitrust hearing roundup Rep. David Cicilline (D., R.I.), chairman of the House Judiciary Committee's antitrust subcommittee, kicked off the hearing by declaring: "Our founders would not bow before a king. Nor should we bow before the emperors of the online economy." That set the tone of five hours of grilling the Big Tech CEOs over their business practices. On the competition front, the biggest questions centered around Amazon's leveraging of seller data to introduce competing products, as well as the revelation of Mark Zuckerberg's emails about the concept of buying startups in order to "neutralize a competitor." Traders get busy Futures are kicking off a packed session in the red, with contracts tied to the Dow, S&P 500 and Nasdaq down about 1%, as Mark Meadows said the White House and Democrats were "nowhere close" on a stimulus deal. Q2 GDP figures today will likely show an annualized contraction of 34.1% last quarter, while the latest weekly unemployment claims are also expected to show an increase to 1.45M, before enhanced federal benefits expire on Saturday. After the close, four of the market's biggest stocks will report earnings within a single hour, in a move that could cause significant volatility in after-hours trading and again on Friday. On the coronavirus front, the U.S. death toll topped 150K, marking the highest official figure in the world. FOMC meeting Solid gains for indexes were seen Wednesday as the Fed left interest rates near zero and pledged to maintain stimulative measures. "The path forward for the economy is extraordinarily uncertain, and will depend in large part on our success in keeping the virus in check," Jerome Powell declared. "We're not even thinking about thinking about raising rates and it will take continued support for both monetary and fiscal policy." He also said the Fed "has no intention to buy equities" after recently purchasing corporate and municipal bonds. Both sides of the Atlantic Today is not only the busiest day for earnings in the U.S. European firms worth more than $2T, as well as 60 companies in the Stoxx 600 Index, reported Q2 results overnight. Highlights: AstraZeneca (NYSE:AZN) shares rose 3% premarket on strong drug sales, while Shell (RDS.A, RDS.B) shares inched down after narrowly escaping a loss despite a $17B writedown and one of the oil industry's most brutal quarters. Credit Suisse (NYSE:CS) simplified its investment bank structure, AB InBev (NYSE:BUD) booked a $2.5B writedown and Airbus (OTCPK:EADSY) is keeping production rates down until 2022. Over in Asia, Samsung (OTC:SSNLF) announced its Q2 operating profit jumped 23% and forecast demand for mobile devices to recover gradually in next half of the year. World's biggest smartphone vendor Huawei has overtaken Samsung (OTC:SSNLF) to become the No. 1 smartphone player in the world, an ambition it has had for several years, after taking second place from Apple (AAPL) back in 2018. The Chinese vendor shipped 55.8M devices in the second quarter, down 5% Y/Y, according to research firm Canalys, while Samsung shipped 53.7M smartphones, a 30% plunge versus the prior year. However, analysts are questioning whether Huawei's position is sustainable given the fact that over 70% of Huawei's sales in the second quarter came from China while its overseas markets took a hit. Go deeper: Qualcomm strikes patent deal with Huawei. Trade deal targets By the end of the first half of this year, China had bought about 23% of the total purchase target of more than $170B for goods in 2020, according to Bloomberg, which based its calculations on Chinese Customs Administration data. While trade has increased over the past eight weeks, with Chinese companies booking more than $2.5B in U.S. soy purchases, imports really have to speed up in the second half of 2020 to hit trade deal goals. China may still not violate the deal if it misses the target due to the coronavirus (the trade pact grants flexibility in the event of "a natural disaster or other unforeseeable event"). What else is happening... 'Nowhere close to a deal' on virus relief - Meadows. Amazon (AMZN) scraps live Reinvent conference in blow to Las Vegas. Kodak (NYSE:KODK) ahead of itself on generic drug-stoked rally - Barron's. Dollar drop plays right into these emerging market ETFs' wheelhouse. Wednesday's Key Earnings Boeing (NYSE:BA) -2.8% posting wider loss, cutting production rates. General Electric (NYSE:GE) -4.4% hit by decline in jet engine business. General Motors (NYSE:GM) -1.7% reporting mixed results. PayPal (NASDAQ:PYPL) +4.1% AH following consensus-beating guidance. Qualcomm (NASDAQ:QCOM) +13.6% AH on FQ3 beats, Huawei settlement. Shopify (NYSE:SHOP) +7% sailing past estimates. Today's Markets In Asia, Japan -0.3%. Hong Kong -0.7%. China -0.2%. India -0.9%. In Europe, at midday, London -2%. Paris -1.8%. Frankfurt -3%. Futures at 6:20, Dow -0.9%. S&P -1%. Nasdaq -1.1%. Crude -1.6% to $40.63. Gold +0.8% to $1969.20. Bitcoin -2.9% to $10934. Ten-year Treasury Yield -2 bps to 0.56% Today's Economic Calendar 8:30 GDP Q2 8:30 Initial Jobless Claims 10:30 EIA Natural Gas Inventory 4:30 PM Money Supply 4:30 PM Fed Balance Sheet
We Just Hit $500k NW! 25 & 26 Years Old. $156k DINK Income. Here's Our Story.
Hi guys. I've been a subscriber and lurker here for over 5 years and one of my favorite things to read are the "how you got to where you are" stories. I made this post once I hit $300k, but my new wife and I just hit the $500k milestone together and we thought it would be worthwhile to share our story. We hate lack of transparency and ambiguity, so we'll be as open and honest as possible. We tried to include everything that we would want to know as if we were reading someone else's post. Feel free to ask us any questions. There is a TLDR at the bottom of this post. You probably want to read that first to see if you're interested before investing your time in conquering this wall of text. Also, you can skip the wall of text below about our childhood/college/relationship stuff if you're just interested in the "numbers". I just wanted to include this background to provide context.
Age: I'm 26 and discovered FIRE via Mr. Money Mustache in 2012 at the age of 19. It blew my mind and instantly resonated with me. My wife is 25 and she found FIRE through me. We've been dating since we were 17. When I first discovered FIRE she didn't really buy into the idea until a couple years later when she started her first corporate internship and had her "Office Space" existential crisis. So she became a true believer around age 21.
Childhood: I come from a rural, solidly middle-class background. I owe all my success with my academics, career, and finances to my parents. My dad is a mechanic and my mom is a nurse. Both are very frugal and they passed that down to me. They are natural savers and maxed out their 401(k)s and IRAs every year on their modest incomes. They also pushed upon me the value of education. They had high academic expectations for me and I was always at the top of the class because of it. My wife comes from a lower-middle class background. Her parents immigrated from Mexico right before she was born and they run the local Mexican restaurant in our childhood hometown. Due to their business, they've always worked very long hours and had highly variable income over the years depending on how the restaurant was doing. They definitely aren't natural savers and have almost nothing saved for retirement. They work extremely hard, but believe the American Dream means spending your hard-earned money on nice things (cars and such). They also didn't push the value of education as hard as my parents did, but my wife didn't need it because she was way more self-driven than I ever was. They are great parents, but we don't always see eye-to-eye when it comes to our outlooks on life. Nonetheless, they are good people and raised my wife to be an amazing person.
College Years: We both graduated in the top 2% of our high school class and had good test scores and extracurriculars. We both went to the same top public in-state university. Since we were both in-state, it was already a great value, but I received a full-ride academic scholarship from the university and my wife also received considerable scholarships and grants. My parents saved about $20k in a 529 plan for me to go to college. But since I got a full-ride, they gave me $10k as a college graduation gift and used the other $10k to pay for my sister's college. This was the only "windfall" that I've ever received (other than my scholarships). My wife's parents didn't save anything for her college, but they did help pay a couple thousand dollars of expenses in the first year. After that, my wife paid 100% of the costs on her own with no parental assistance and no student loans (funded by a couple grants/scholarships, part-time campus jobs, and an engineering co-op). I graduated in 2015 with a degree in business and my wife graduated in 2017 with a degree in industrial engineering. While in college we both worked hard academically and maintained good GPAs, but most importantly, we got fantastic work experience through internships and co-ops. This helped us gain experience, build our resumes, and get great starting jobs right our of college. It also helped us pay the bills and save a considerable amount of money while we were in college. We both graduated with no student debt and a considerable amount of money ($60k for me and $20k for her). Those numbers probably seem a little crazy, but you can read my previous post for the details of how we managed to save so much money in college. Long story short, I worked 3 jobs (dorm RA and two high-paying part-time internships) and had almost no expenses due to my full-ride scholarship. My wife worked 2 jobs (part-time on-campus job and a high-paying engineering co-op) and had very low expenses. Because we found FIRE so early, we both also managed to max out our Roth IRAs for a few years while in college.
Relationship: The most important part of each our our lives is each other. We went to high school and college together. We've been dating for 9 years and we just got married in May of this year (since this is a financial sub, I know you're wondering....we spent $9.9k on our wedding). We've lived together for 4 years and bought a small condo in the city 2 years ago. Although our incomes aren't identical, we split everything 50/50. She is dead-set on the path to FIRE now, although it took her a few years to really understand the "why". Now she is more frugal and more extreme than me!
Income: I graduated college at age 22. My first full-time job was making $55k. Now I make $86k at age 26. I'm a typical "financial analyst/project manager" for a Fortune 500 company. It's a pretty low-stress 40 hour per week job with 10-20% travel to support clients. If I had never negotiated twice for more money, I'd be at ~$68k right now instead of $86k. I'm still at the same company that I started at and not necessarily looking to change anytime soon. I really love my team, boss, work-life balance, and the work that I do. We also live less than 1 mile from my office, so I walk to work everyday. My wife graduated college at age 23. Her first full-time job was making $53k. Now she makes $70k at age 25. She is a also a typical "financial analyst/engineer" for a different Fortune 500 company. Her job is slightly higher stress and probably averages 45 hours per week with no travel. She's also still at the same company that she started at and definitely not looking to change anytime soon. She has great benefits and has a strong reputation as a rising star in the organization.
Home: We live in a MCOL city in the south. Our rent for the first two years out of college was $1,500 per month ($750 each) for a 1-bedroom apartment in the nicest area of the city (and walkable to my office). About 2 years ago we bought a 435 square-foot, 1-bedroom condo in the nicest part of the city for ~$125k. We did this as a way to maximize the efficiency of our monthly budget - not necessarily as a long-term investment. We plan on living here for at least another 5 years (we want to have kids in our early 30s), then keep it as an investment property. We've been living here for 2 years and we absolutely love it. It seems too good to be true.
Food/Dining/Groceries: $200 (Shop at Aldi and Kroger, always buy generic, eat out less than once per month, cook every meal, and bring lunches to work everyday).
Car Insurance: $171 (USAA for 2 cars: 2005 Scion xB with 120k miles and 2012 Honda Civic with 90k miles).
Gas: $40 (We both have short commutes).
Vacation: $200 (Carries over if we don't use it).
Fun Money: $200 (Our catch-all category if it doesn't fit in a category above. Things like video games, concerts, home decorations, new clothes, Amazon Prime, Netflix, HBO Now, extra vacation money if we go over our $200 budget, etc.).
Debt: Our only debt is our $97k mortgage.
Net Worth: $502,934
Roth IRAs: $90,541
Taxable Investments: $106,188
Property: $47,978 ($36,300 in Home Equity + Our Vehicles).
Savings Rate: Currently our savings rate for 2019 is sitting at 81%. Since starting our full-time jobs, our savings rate has always been between above 65%. It has steadily increased as our incomes have increased.
FIRE Goal: $1.5-2.0 million. Right now our expenses are very low, but we expect them to rise in about 5 years when we have kids and move into a larger house in a good school district. We hope to hit this amount by age 35-40, but we'll just have to wait and see what happens. Right now my FIRE spreadsheet says we'll hit $1.5 million when we're 32 and $2.0 million when we're 34. With the 4% withdrawal rule this equates to $60k-80k of withdrawals per year. We currently live comfortably on less than $25k per year, so we definitely are leaving a lot of buffer.
Post-FIRE Aspirations: I've always dreamed of being a high school US History teacher and tennis coach. I'd like to at least try it once to see how I like it. Since I'm FIRE I could easily quit If I don't like it. I've also always dreamed of being some kind of not-for-profit financial adviser for the "Average Joe" American. More of a "financial coach" where I could help people everyday with the basics (budgeting, index investing, etc.). Never selling any products. Just sharing my story and trying to inspire people to make positive changes in their lives. My wife is likely to continue her corporate career for a while - even once we're comfortably FIRE. It's hard for me to understand that, but she derives a lot of worth and happiness from her career. But most of all, we want to be great parents. One of the biggest drivers of our FIRE goal is to be very close to FIRE by the time we have kids in our early-mid 30s. We just want to be a part of our child's life every step of the way and just be "there" for them. And of course we have a ton of "bucket list" items that we'd love to try out (thru-hike the Appalachian Trail, thru-hike the John Muir Trail, build a camper-van and road trip to all the National Parks again, etc.).
Our Advantages: Amazing parents who helped to put good heads on our shoulders; frugal upbringings; being born in the U-S-of-A; large college scholarships; having a life partner with whom we share each other's values and aggressive FIRE goals; the 2013-2019 bull market; supportive friends; learning about FIRE at such a young age; and many, many more things.
General Habits Worth Mentioning:
We've maxed out our 401(k)s, Roth IRAs, and HSAs every year since starting our full-time jobs, plus invested the excess in a taxable account.
We've never invested in bitcoin or anything like that, just boring old Vanguard index funds. Vanguard is showing our personal rate of return since 2013 as 11.76%, which is only slightly better than the S&P 500 during that time.
We love to travel. We go on 3-5 trips per year to National Parks, European cities, etc. that we fund via "credit card travel hacking" courtesy of churning.
Unlike a lot of people on this sub, we've introduced the idea of FIRE to most of our close friends. Our parents and siblings also know our FIRE goals, but we set clear boundaries. My family is very understanding (my parents are FIREing next year at age 54). Her family still thinks we're crazy. We're pretty open about our journey and try to help others if they are interested. Because of this, our 15-20 closest friends are all into FIRE as well. We hang out with friends 2-3 nights per week, but instead of "going out for drinks" (we don't drink alcohol anyways...) we go over to each other's homes for home-cooked dinners and board games. I say this because we have a good social network, but don't have to spend a ton to maintain it. Having a like-minded SO and like-minded friends have been two of the most important contributors to our happiness and high savings rate.
Saving this much and maintaining a 70%+ savings rate hasn't been "hard" for us. We don't have to try very hard to accomplish these goals - it's just who we are. We are natural savers. Saving EXCITES us. We don't feel like we make any sacrifices in our life to meet these goals. We buy everything that we want...we just find that we don't "want" a lot of the typical things that other people "want" (luxury cars, eating out, 5-star hotels, brand-name clothes, $30k wedding, huge home, etc.)....And the best part is that each of us found another person whose values are so closely aligned to our own.
TLDR: Two married DINKs hit $500k net worth at age 25 and 26. We both had frugal upbringings. We both got scholarships/grants to top in-state university. We both worked 2-3 jobs every week while attending college to pay for living expenses and saved the rest. I got degree in business. She got a degree in industrial engineering. We graduated with no debt and $80k saved up. I made $55k/year at my first full-time and she made $53k/year at hers. 4.5 years after graduating I currently make $86k and 2.5 years after graduating she makes $70k. Our monthly budget is $1,822/month. Our savings rate is 81%. We have been dating for 9 years, living together for 4 years, and we got married in May.
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