Metatrader for iphone and iPad Forex Trading Software ...

[Guide] Hal-hal esensial yang wajib dimiliki mahasiswa.

Selamat pagi! Salam mahasiswa!
Terinspirasi dari komen-komen di thread gua sebelumnya, gua ingin compile beberapa must-have tools, stuff, and websites untuk kalian yang baru saja jadi mahasiswa atau sedang menjalani studi.
Gue akan memisahkan ke beberapa kategori, yaitu Wajib Punya, Wajib Punya Untuk Anak [Jurusan], Boleh Punya, Cukup Tau, dan Jangan Pernah Sentuh. Dalam kategori tersebut akan diisi dengan kombinasi apps, website, dan alat-alat fisik. Untuk yang bersifat bajakan, sorry to say gua gak akan link di sini, kecuali Sci Hub atau Gen Lib.
Bagi redditor yang bukan anak psikologi, tolong bantuin gua ya dengan comment berisi suggestion kalian.

WAJIB PUNYA

  1. WhatsApp, LINE, dan sometimes Telegram. : Ya menurut lo aja deh, hari gini masih SMS?
  2. Flash drive : Get an 8GB stick, walaupun sekarang udah serba digital, kadang dosen masih minta print-out tugas. Plus, tukang fotokopi pasti sibuk dan gak ada waktu buka e-mail (walaupun ada), akan lebih praktis kalau data yang mau lo print atau submit pindahin dulu ke sini. Side note : Untuk anak DKV, Arsitektur, Desain Produk, Musik, dan Film, sepertinya kalian wajib beli external hard-drive minimal 500GB. Kalau bisa SSD ya, biar file terus protected (tapi agak mahal).
  3. Google Drive dan isinya (Sheets, Docs, Draw, Slides) : Lo akan mobile for most of your campus life, GDrive gunanya bukan hanya sebagai backup tapi sebagai base of operations dari perkuliahan lo. Separate folders into semesters, lalu di dalamnya bikin folder per matkul, dan di dalamnya pun ada folder buku, tugas, class notes, and etc.
  4. Google Calendar : Start planning through this app. Its highly underrated and I suggest you take time and learn how GCal works. Most people only use this after they started working, getting a head start is always better.
  5. Mendeley atau reference manager lain : Lu akan menghabiskan waktu 4 tahun baca artikel ilmiah, kadang mereka suka aneh formatting filenya kalo di-download dan mereka udah pasti gak appealing untuk di-save di laptop. Mendeley cuts off all of the problems and puts all of your references in one place. (Available on desktop and mobile)
  6. Google Scholar : Berhubungan dengan sebelumnya, Google Scholar akan menjadi wikipedia elu di perguruan tinggi. You will access this site almost every day in uni.
  7. Genesis Library : Adalah perpustakaan terlengkap di jagad internet. Gak usah beli textbook kalau lu gak mampu, download aja di sini.
    1. Side points : Perpusnas punya akses e-book gratis pula, mostly koleksi mereka ada di situ. Appnya bisa dicari di Google Play Store (iOS setau gua belom ada).
  8. Sci-hub : This is the scalpel of academia, the tool of a true mahasiswa. Sometimes lo akan ketemu artikel yang BAGUS, tapi sayang lo harus bayar ke publishernya. Nah, this bypasses that and you can have the PDF for FREEEEEEEEEEEEEEEEEEEEEEEEEE. Add extensionnya https://github.com/allanino/sci-hub-fy
  9. E-book manager like Calibre (for PC and iOS) and Aldiko (for Android) : Pretty self-explanatory karena most of the time mahasiswa tingkat awal itu gak tau cara manage folder di laptop.
  10. m-Banking app from your bank : Sekarang apa-apa sudah serba digital, belom lagi kalau lo butuh bayar-bayar atau patungan sama temen. Dengan adanya mbanking app, lo udah gak butuh ke ATM. Bahkan, sekarang mbanking bisa bayar ke OVO, Gopay, or Shoppee Pay lewat QRIS.
  11. Go-Jek or Grab (and OVO) : Kemana-mana dan bayar apa-apa lebih gampang.
  12. Kartu emoney, Flazz, Brizzi, dan sejenis : Silahkan beli salah satu dari kartu ini untuk kalian yang harus menggunakan moda transportasi seperti KRL atau Transjakarta. Plus, very handy untuk beli air putih di Indo/Alfamart. Kalau bisa yang satu jenis dengan bank kalian, agar top-up dapat dilakukan secara mudah di ATM atau app mbanking (bagi yang memiliki NFC hpnya)
  13. Cheap OEM earphones : You will have some solace from annoying pieces of shit when you're reading or doing assignments. Browse through any ecommerce site and search for "headset samsung/iphone grosir" and buy 10.
  14. Masker : Well, duh.
  15. Zoom/Skype/Hangouts/Microsoft Teams : Please check on your faculty's specification, sekarang lagi pandemi and I don't think you guys are going back to school any soon.
  16. Powerbank : Trust me, you will forget to charge your phone. One powerbank on the ready will be a life saver, especially during late nights.
  17. OpenOffice or LibreOffice : I do not condone the piracy of a certain word processing software. Get open-source and just relax. Alternatively, you can go all-out with Google's existing apps inside Drive.
  18. JASP : I also do not condone the piracy of a certain statistics software.
  19. Canva : Untuk anak-anak non-design yang gak bisa design, ditambah gak punya duit untuk hire designer (ya menurut lo), please take time to learn Canva. I would recommend GIMP a few years ago, but Canva has been gold standard of designing for non-designers.
  20. Sumatra Reader : Lighter and more superior version of Adobe Reader.
  21. 7zip : Lighter and superior version of WinRAR.
  22. CamScanner : For scanning documents. Available on iOS and Android
  23. Condoms : Just, bring it.
  24. Kartu Perpusnas
  25. MSDN : Kadang Microsoft kerjasama dengan kampus, check on your faculty.
  26. Tar tambah lagiiiii.......

WAJIB PUNYA UNTUK ANAK.....

Teknik
  1. Kalkulator scientific : Bisa cari di toko buku atau e-commerce. Get Texas Instrument or Casio.
  2. KOPI SACHET
  3. Meteran
  4. nanti kali ya
Arsitektur
  1. Kopi sachet yang banyak
  2. Kotak P3K
  3. Penggaris segitiga atau meteran
MIPA
  1. Graphic Calculator
Psikologi
  1. APA Publication Manual : Sebagai S.Psi gua akan menekankan PENTINGNYA MEMILIKI PDF INI DI SEMUA DEVICE ELU. Pelajarin dan cross-check semua style tulis dengan editorial style APA. Dosen PASTI BAKAL PERIKSA GAYA TULISAN ELU DENGAN APA.
  2. KBBI : Dosen Psikologi paling terkenal dengan penulisan dan artikulasi kata, tolong pelajari bentuk baku kata-kata bahasa kita.
  3. 3D Brain : Untuk bantu Psiko Abnormal dan Faal.
Hukum
  1. Buku KUHP dan KUHPER, e-book or printed.
  2. Black Law
  3. UU yang berkaitan dengan kelas, e-book or printed.
  4. Printer dengan tinta isi ulang alias nyuntik
CompSci, Teknik Informatika, or Sistem Informatika
  1. Git Student Pack

BOLEH PUNYA

  1. Spotify Premium : Check if your school is eligible for student discount! I do not condone using modified APK for Spotify Premium.
  2. Audacity : Boleh lah punya kalau mau coba-coba bikin podcast.
  3. Da Vinci Resolve : Kalian akan sewaktu-waktu dapet tugas buat edit video, either untuk kelas atau organisasi. Ini software open source yang lumayan powerful untuk editing.
  4. SSDs for laptops : This is me speaking from experience, you'll need this if your risk of being in an accident is high. Upgrading to an SSD is 0-1, not only you get great booting and transfer speeds, but your data is almost always protected if amit-amit ketabrak atau laptop kenapa-napa.
  5. Powerstrip : Ini bisa wajib, bisa enggak. Kadang berguna kalau kalian nugas di cafe, tapi kalian gak mati juga kalau gak punya.
  6. Write Monkey : Ini dapat meng-enhance pengalaman kalian menulis, gue menggunakan program ini saat skripsi. Fungsinya cuma satu : Biar nulis lebih enak. Cocok bagi yang jurusannya rajin ngetik. Again, lo gak akan mati kalo gak punya ini.
  7. Eventbrite : Cocok buat yang pengen cari group activities atau seminar gratisan.
  8. TIX.ID : For the time being, jangan ke bioskop dulu. Tapi TIX suka banyak promo buy1get1. Lumayan buat irit duit.
  9. Trello or Asana : Nah, sebenarnya ini wajib untuk orang kantoran (depends industrinya), tapi menurut gua kalau kalian coba aja pelajarin agile project management, mungkin performance group akan lebih naik. Ditambah ini lagi pandemi, nugas akan lebih gampang menurut gua dengan ini. Kakak-kakak yang udah kerja di kantor agile pasti bisa jelasin.
  10. Jobstreet, Kalibrr, JobsDB, Glints : For work opportunities.
  11. Halodoc : Truth be told, this app have saved my life multiple times. I would suggest a healthy diet, but having this on your phone will not hurt one bit.
  12. Pisau lipat Victorinox : Handy untuk yang berencana jadi anak alam atau bocah camping. But basically handy untuk segala situasi, sih.
  13. Aplikasi sekuritas : Bisa mulai belajar, setau gua macem MNC Sekuritas bisa mulai trading dengan Rp100.000.
  14. Discord : Lumayan handy untuk jadi basis chat angkatan. Tapi, mereka lebih cater ke gaming crowd, walaupun fiturnya sebagus Slack Enterprise, tapi entah kenapa susah banget penetrate mainstream user.
  15. To be added later...........

CUKUP TAU

  1. Netflix : Bisa patungan sama temen-temen. I don't suggest buy shady accounts.
  2. Premier League app : Seru loh bikin liga fantasy sama temen-temen.
  3. GrabKios : Lumayan bisa jual pulsa di kampus.
  4. Saran minum oleh theblackmandarin
  5. To be added later...........

JANGAN PERNAH SENTUH

  1. Kredivo dan any P2P lending app : Tolong banget jangan kejebur sama trap ini. Kalian masih mahasiswa, belom punya penghasilan tetap.
  2. PayTren or any other MLM apps : Idem
  3. Judi bola : Idem.
  4. Rokok : Idem
  5. Forex/Crypto : Idem
  6. Dota 2 : Udah gak usah sentuh.
  7. Mobile Legend : Buang-buang waktu push rank, IP lo gak naek juga.
  8. Amfetamin : Gak baek ngedrug muda-muda.
  9. Red Bull : Gak baek, bisa gak tidur.
  10. Kopi ABC/78C/botolan : Ini sama kayak Red Bull, udah pasti gak tidur.
  11. To be added later...........
Segitu dulu guys, tolong ya kakak-kakak yang sudah lulus mohon ditambah. Terima kasih!
EDIT 1 : Nambahin banyak BUANGET. Thanks mie-sedaap elonelon theblackmandarin debukosmik JanganLupaSkripsian didunianyata ysupr selemenesmilesuponme ichhassesommer ANJINGHARAM AnjingTerang lukuntul imamsupriadiBPK pm-me-your-nenen
submitted by roflpaladin to indonesia [link] [comments]

Free TRX

If you're looking for a way to earn free trx, there are many ways that you can go about doing so. These ways, in order from easy to hard, are: Sign up for a reliable trx webste. Setup an online private wallet. Earn free trx via an iPhone application. In this article, I'm going to describe each of these methods and how they can help you make free trx!
If you don't already have a reliable coin trading community, it's important to take the time to do so before you start looking for a place to get involved in this exciting industry. You'll quickly realize that the more people you know in this field, the more likely it is that you'll be able to trade freely. This is one of the most important reasons to become part of a community.
My first tip is to join a great place to learn about trading. There are literally dozens of great sites out there that cover every aspect of this industry. If you want to earn free trx, you should definitely do your research and find a great place to learn about it.
My second tip is to set up your very own online private wallets to earn free trx. You can do this in two ways. Either get a software program that allows you to trade for free with no risk or create your own wallet with your personal details and generate income with it. Both methods work well and can produce some good income.
My third tip is to buy some free trx from people that you know. This can be a very lucrative way of making some extra money on the side. If you don't want to spend too much money initially, buying a few coins and selling them off again can work really well.
Hopefully, after reading through this article you'll have a much better idea of how to get started earning free trx. If you follow my advice, you should soon be seeing some nice profits!
Online trading is a very fun way to earn money online and it's a great way to learn the ins and outs of how to become an expert in this field. Once you're used to it, you can also set up your own website to help you sell other people's cryptos and profit as well.
When you're trading with other currencies, your margins tend to be lower compared to the ones you would get in Forex trading, but you'll make a lot more money in this industry. The reason for this is because you trade multiple currencies on a daily basis.
The great thing about this is that you can get started trading Forex on autopilot with just a few mouse clicks. It's very convenient and very fast. Plus, there are literally hundreds of Forex traders out there willing to help you.
submitted by Tawdry_Bath_ to FreeTRX [link] [comments]

UK resident got scammed to send money to an Australian bank account. What I did and what to do next?

Hello, I live in England and this is a long post about how I got scammed, presenting my story and asking for advice. Much appreciated to all who go through all of it and send their ideas.
Also posted in AusLegal here: https://www.reddit.com/AusLegal/comments/iujgpq/uk_resident_got_scammed_to_send_money_to_an/
So I met a person online, and after chatting a bit she started showing me her gold trading profits. At first I didn't care that much, but she kept showing me profits and I said I wish I knew how to trade like that. She puts me in contact with this person, who is supposed to teach me how to trade.
This teacher tells me that I will start with simulated gold trading, and after some time I would move on to real trading. After a couple of days of trading she says I'm ready to trade for real, I say I need more time to do simulated trading. We do another day of simulated trading and she says I'm ready and I should start trading with real money.
Hindsight is 20/20, I can't believe what I was thinking. But I did do some checks on these people, like I aske them for pictures of themselves and I google image searched them. No results, not stock images, so I'm like, okay, a good sign.
I ask the first person to have a phone call to talk, we do. Okay, fair enough.
I ask the first person to send me the link to her design company that she said she owns, and she sends it over. Site is in Chinese but it's filled with a lot of images of homebuilding and some English sentences about home design. I ask her for more photos and it seems okay.
I do the same with the "teacher". Google image search, no stock images, no results. I google the platform she's asking me to open an account on, can't find anything about it saying it's a scam. The reviews for the iphone app are mostly 4-5 stars, with people in the reviews complaining that the previous version of the app was better.
So after all this, on the 11th of September I transfer the minimum needed to start investing, USD 10,000. I do this by using Transferwise, so I transfer the money in UK pounds to Transferwise (I live in the UK), the money is converted by Transferwise to USD and is send to the scammer's account to an Australian bank on Friday evening.
I sleep on it, and next day morning I start panicking, I think my instincts started kicking in, and I do some more research online and I found something similar, not exactly the same scam, but something similar where you meet somebody online, start talking, some people even met with these people, and then they say can teach you or know somebody that can teach you to trade (gold, bitcoin, forex, etc). At that point I really panicked and I realised I got scammed.
I try to reach Transferwise, but since it was Saturday, you could only reach them by email, couldn't even call them.
I call the bank in Australia, I tell them what happened, I was scammed and the scammers account is with them and I give them the details of the bank account and everything. So literally after a few hours of the money leaving Trasnferwise I contacted the receiving bank. They told me they will pass it on to the Financial Crime team and look into it.
I file a report with Action Fraud in the UK, I sent the report number to my bank, to the Australian bank and to Transferwise, but to Transferwise only on Monday when I can contact them again.
I search online for some advice, and everybody thinks the best solution is to keep contacting the receiving bank as they could block the account, or the transaction and it could bounce back to Transferwise so I keep doing that. The receiving bank in Australia tells me to contact Transferwise and have them raise a fraud report and to get in contact with the Australian bank.
After numerouse calls with Transferwise asking them to contact the receiving bank where I was told there's nothing they can do after the money has left Transferwise, I resort to calling the bank in Australia again. By this point I raised a cyber fraud report with the Australian police as well and sent the report number to the Australian bank.
I ask the bank in Australia what is there to do, if they will deny the transfer or do something so that money does not leave the Australian bank account, and they said the Financial Crime team is looking into it, but I could also ask Transferwise to raise a recall request and to contact them, but I say I already did but Transferwise keeps telling me they can't do that. The person from the Australian bank tells me it seems like Transferwise is giving me wrong information.
So I decide to call Transferwise again. I reach out to somebody, and they explain it still cannot be done. I'm almost begging them to do it, but they say it cannot be done. I start searching online of any events with TW and recall requests, and I found something where it said Transferwise doesn't want to do it because there's slim chance of getting the money back so they tell customers it cannot be done.
I call Transferwise again and push and complain that I think they're just telling me they can't do it just to get rid of me and the person I'm talking to this time says it can actually be done and she'll do that request for me, and she apologises for her colleagues telling me the wrong information previously. I call the Australian bank again to let them know that Transferwise said they will do the recall and if there is anything I can do. They tell me best thing is for me to keep talking to Transferwise, as the Australian bank has done everything it can.
Now, Transferwise shows you an estimation in days of how long a transfer will take. I did the transfer on Friday the 11th, and Transferwise estimated that the transfer would be completed by the 16th at 9:30 pm UK time. So doing all this I had some hope that something can happen. Mind you, I called the receiving bank a few hours after the transfer was done by Transferwise, and by their estimate had around 4-5 days until the transfer was complete.
I feel like I wasted precious time because Transferwise was not helpful at all, from the start when I raised the scam with them telling me there's nothing they can do, to the moment I had to make around 5 calls just to get them to do the recall request.
The 16th passes, the transfer appears complete in Transferwise and I get a message from the scammer that the funds have arrived and I can start trading. I didn't block them because I didn't want to freak them out and withdraw the money immediately it hits their account.
I posted my long story here to see if there is something I can do. I had hopes that the Australian bank would block the withdrawal and it would bounce back, or they would block the scammer's account and my money would not be withdrawn and the recall would go through. I also have some hopes that based on what the scammer said today, the money is still in the Australian bank account.
I feel like I acted pretty promptly after I realised I got scammed. Contacted the receiving bank, my bank, Transferwise and the authorities both in the UK and Australia.
I don't know what else I could have done to get a more positive outcome, but now I'm asking you, the people of this subreddit, is there anything else I can do? Is there a chance the money is still in the scammer's account and the Australian bank has blocked it?
Do you guys think Transferwise didn't treat me properly by dismissing me off the bat, and only helping me with the recall request after around 10 calls and pushing?
Any advice would be much appreciated. I know I was foolish, I should have trusted my instincts, but I feel I also took some verification steps that I knew from the internet and I contacted every instituion asap after I realised I was scammed, so a few hours after sending the money.
TL;DR I got scammed into sending money to an Australian bank account from the UK. What can I do now?
submitted by iulianverde to australia [link] [comments]

UK resident got scammed to send money to an Australian bank account. What I did and what to do next?

Hello, I live in England and this is a long post about how I got scammed, presenting my story and asking for advice. Much appreciated to all who go through all of it and send their ideas.
Also posted in personalfinance here: https://www.reddit.com/personalfinance/comments/iuja16/uk_resident_got_scammed_what_i_did_and_what_to_do/
So I met a person online, and after chatting a bit she started showing me her gold trading profits. At first I didn't care that much, but she kept showing me profits and I said I wish I knew how to trade like that. She puts me in contact with this person, who is supposed to teach me how to trade.
This teacher tells me that I will start with simulated gold trading, and after some time I would move on to real trading. After a couple of days of trading she says I'm ready to trade for real, I say I need more time to do simulated trading. We do another day of simulated trading and she says I'm ready and I should start trading with real money.
Hindsight is 20/20, I can't believe what I was thinking. But I did do some checks on these people, like I aske them for pictures of themselves and I google image searched them. No results, not stock images, so I'm like, okay, a good sign.
I ask the first person to have a phone call to talk, we do. Okay, fair enough.
I ask the first person to send me the link to her design company that she said she owns, and she sends it over. Site is in Chinese but it's filled with a lot of images of homebuilding and some English sentences about home design. I ask her for more photos and it seems okay.
I do the same with the "teacher". Google image search, no stock images, no results. I google the platform she's asking me to open an account on, can't find anything about it saying it's a scam. The reviews for the iphone app are mostly 4-5 stars, with people in the reviews complaining that the previous version of the app was better.
So after all this, on the 11th of September I transfer the minimum needed to start investing, USD 10,000. I do this by using Transferwise, so I transfer the money in UK pounds to Transferwise (I live in the UK), the money is converted by Transferwise to USD and is send to the scammer's account to an Australian bank on Friday evening.
I sleep on it, and next day morning I start panicking, I think my instincts started kicking in, and I do some more research online and I found something similar, not exactly the same scam, but something similar where you meet somebody online, start talking, some people even met with these people, and then they say can teach you or know somebody that can teach you to trade (gold, bitcoin, forex, etc). At that point I really panicked and I realised I got scammed.
I try to reach Transferwise, but since it was Saturday, you could only reach them by email, couldn't even call them.
I call the bank in Australia, I tell them what happened, I was scammed and the scammers account is with them and I give them the details of the bank account and everything. So literally after a few hours of the money leaving Trasnferwise I contacted the receiving bank. They told me they will pass it on to the Financial Crime team and look into it.
I file a report with Action Fraud in the UK, I sent the report number to my bank, to the Australian bank and to Transferwise, but to Transferwise only on Monday when I can contact them again.
I search online for some advice, and everybody thinks the best solution is to keep contacting the receiving bank as they could block the account, or the transaction and it could bounce back to Transferwise so I keep doing that. The receiving bank in Australia tells me to contact Transferwise and have them raise a fraud report and to get in contact with the Australian bank.
After numerouse calls with Transferwise asking them to contact the receiving bank where I was told there's nothing they can do after the money has left Transferwise, I resort to calling the bank in Australia again. By this point I raised a cyber fraud report with the Australian police as well and sent the report number to the Australian bank.
I ask the bank in Australia what is there to do, if they will deny the transfer or do something so that money does not leave the Australian bank account, and they said the Financial Crime team is looking into it, but I could also ask Transferwise to raise a recall request and to contact them, but I say I already did but Transferwise keeps telling me they can't do that. The person from the Australian bank tells me it seems like Transferwise is giving me wrong information.
So I decide to call Transferwise again. I reach out to somebody, and they explain it still cannot be done. I'm almost begging them to do it, but they say it cannot be done. I start searching online of any events with TW and recall requests, and I found something where it said Transferwise doesn't want to do it because there's slim chance of getting the money back so they tell customers it cannot be done.
I call Transferwise again and push and complain that I think they're just telling me they can't do it just to get rid of me and the person I'm talking to this time says it can actually be done and she'll do that request for me, and she apologises for her colleagues telling me the wrong information previously. I call the Australian bank again to let them know that Transferwise said they will do the recall and if there is anything I can do. They tell me best thing is for me to keep talking to Transferwise, as the Australian bank has done everything it can.
Now, Transferwise shows you an estimation in days of how long a transfer will take. I did the transfer on Friday the 11th, and Transferwise estimated that the transfer would be completed by the 16th at 9:30 pm UK time. So doing all this I had some hope that something can happen. Mind you, I called the receiving bank a few hours after the transfer was done by Transferwise, and by their estimate had around 4-5 days until the transfer was complete.
I feel like I wasted precious time because Transferwise was not helpful at all, from the start when I raised the scam with them telling me there's nothing they can do, to the moment I had to make around 5 calls just to get them to do the recall request.
The 16th passes, the transfer appears complete in Transferwise and I get a message from the scammer that the funds have arrived and I can start trading. I didn't block them because I didn't want to freak them out and withdraw the money immediately it hits their account.
I posted my long story here to see if there is something I can do. I had hopes that the Australian bank would block the withdrawal and it would bounce back, or they would block the scammer's account and my money would not be withdrawn and the recall would go through. I also have some hopes that based on what the scammer said today, the money is still in the Australian bank account.
I feel like I acted pretty promptly after I realised I got scammed. Contacted the receiving bank, my bank, Transferwise and the authorities both in the UK and Australia.
I don't know what else I could have done to get a more positive outcome, but now I'm asking you, the people of this subreddit, is there anything else I can do? Is there a chance the money is still in the scammer's account and the Australian bank has blocked it?
Do you guys think Transferwise didn't treat me properly by dismissing me off the bat, and only helping me with the recall request after around 10 calls and pushing?
Any advice would be much appreciated. I know I was foolish, I should have trusted my instincts, but I feel I also took some verification steps that I knew from the internet and I contacted every instituion asap after I realised I was scammed, so a few hours after sending the money.
TL;DR I got scammed into sending money to an Australian bank account from the UK. What can I do now?
submitted by iulianverde to AusLegal [link] [comments]

UK resident got scammed. What I did and what to do next?

Hello, I live in England and this is a long post about how I got scammed, presenting my story and asking for advice. Much appreciated to all who go through all of it and send their ideas.
Also posted in personalfinance here: https://www.reddit.com/personalfinance/comments/iuja16/uk_resident_got_scammed_what_i_did_and_what_to_do/
So I met a person online, and after chatting a bit she started showing me her gold trading profits. At first I didn't care that much, but she kept showing me profits and I said I wish I knew how to trade like that. She puts me in contact with this person, who is supposed to teach me how to trade.
This teacher tells me that I will start with simulated gold trading, and after some time I would move on to real trading. After a couple of days of trading she says I'm ready to trade for real, I say I need more time to do simulated trading. We do another day of simulated trading and she says I'm ready and I should start trading with real money.
Hindsight is 20/20, I can't believe what I was thinking. But I did do some checks on these people, like I asked them for pictures of themselves and I google image searched them. No results, not stock images, so I'm like, okay, a good sign.
I ask the first person to have a phone call to talk, we do. Okay, fair enough.
I ask the first person to send me the link to her design company that she said she owns, and she sends it over. Site is in Chinese but it's filled with a lot of images of homebuilding and some English sentences about home design. I ask her for more photos and it seems okay.
I do the same with the "teacher". Google image search, no stock images, no results. I google the platform she's asking me to open an account on, can't find anything about it saying it's a scam. The reviews for the iphone app are mostly 4-5 stars, with people in the reviews complaining that the previous version of the app was better.
So after all this, on the 11th of September I transfer the minimum needed to start investing, USD 10,000. I do this by using Transferwise, so I transfer the money in UK pounds to Transferwise (I live in the UK), the money is converted by Transferwise to USD and is send to the scammer's account to an Australian bank on Friday evening.
I sleep on it, and next day morning I start panicking, I think my instincts started kicking in, and I do some more research online and I found something similar, not exactly the same scam, but something similar where you meet somebody online, start talking, some people even met with these people, and then they say can teach you or know somebody that can teach you to trade (gold, bitcoin, forex, etc). At that point I really panicked and I realised I got scammed.
I try to reach Transferwise, but since it was Saturday, you could only reach them by email, couldn't even call them.
I call the bank in Australia, I tell them what happened, I was scammed and the scammers account is with them and I give them the details of the bank account and everything. So literally after a few hours of the money leaving Trasnferwise I contacted the receiving bank. They told me they will pass it on to the Financial Crime team and look into it.
I file a report with Action Fraud in the UK, I sent the report number to my bank, to the Australian bank and to Transferwise, but to Transferwise only on Monday when I can contact them again.
I search online for some advice, and everybody thinks the best solution is to keep contacting the receiving bank as they could block the account, or the transaction and it could bounce back to Transferwise so I keep doing that. The receiving bank in Australia tells me to contact Transferwise and have them raise a fraud report and to get in contact with the Australian bank.
After numerouse calls with Transferwise asking them to contact the receiving bank where I was told there's nothing they can do after the money has left Transferwise, I resort to calling the bank in Australia again. By this point I raised a cyber fraud report with the Australian police as well and sent the report number to the Australian bank.
I ask the bank in Australia what is there to do, if they will deny the transfer or do something so that money does not leave the Australian bank account, and they said the Financial Crime team is looking into it, but I could also ask Transferwise to raise a recall request and to contact them, but I say I already did but Transferwise keeps telling me they can't do that. The person from the Australian bank tells me it seems like Transferwise is giving me wrong information.
So I decide to call Transferwise again. I reach out to somebody, and they explain it still cannot be done. I'm almost begging them to do it, but they say it cannot be done. I start searching online of any events with TW and recall requests, and I found something where it said Transferwise doesn't want to do it because there's slim chance of getting the money back so they tell customers it cannot be done.
I call Transferwise again and push and complain that I think they're just telling me they can't do it just to get rid of me and the person I'm talking to this time says it can actually be done and she'll do that request for me, and she apologises for her colleagues telling me the wrong information previously. I call the Australian bank again to let them know that Transferwise said they will do the recall and if there is anything I can do. They tell me best thing is for me to keep talking to Transferwise, as the Australian bank has done everything it can.
Now, Transferwise shows you an estimation in days of how long a transfer will take. I did the transfer on Friday the 11th, and Transferwise estimated that the transfer would be completed by the 16th at 9:30 pm UK time. So doing all this I had some hope that something can happen. Mind you, I called the receiving bank a few hours after the transfer was done by Transferwise, and by their estimate had around 4-5 days until the transfer was complete.
I feel like I wasted precious time because Transferwise was not helpful at all, from the start when I raised the scam with them telling me there's nothing they can do, to the moment I had to make around 5 calls just to get them to do the recall request.
The 16th passes, the transfer appears complete in Transferwise and I get a message from the scammer that the funds have arrived and I can start trading. I didn't block them because I didn't want to freak them out and withdraw the money immediately it hits their account.
I posted my long story here to see if there is something I can do. I had hopes that the Australian bank would block the withdrawal and it would bounce back, or they would block the scammer's account and my money would not be withdrawn and the recall would go through. I also have some hopes that based on what the scammer said today, the money is still in the Australian bank account.
I feel like I acted pretty promptly after I realised I got scammed. Contacted the receiving bank, my bank, Transferwise and the authorities both in the UK and Australia.
I don't know what else I could have done to get a more positive outcome, but now I'm asking you, the people of this subreddit, is there anything else I can do? Is there a chance the money is still in the scammer's account and the Australian bank has blocked it?
Do you guys think Transferwise didn't treat me properly by dismissing me off the bat, and only helping me with the recall request after around 10 calls and pushing?
Any advice would be much appreciated. I know I was foolish, I should have trusted my instincts, but I feel I also took some verification steps that I knew from the internet and I contacted every instituion asap after I realised I was scammed, so a few hours after sending the money.

TL;DR I got scammed into sending money to an Australian bank account from the UK. What can I do now?
submitted by iulianverde to LegalAdviceUK [link] [comments]

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Which MacBook?

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submitted by tmsvx21 to laptops [link] [comments]

Why traditional exchanges will not convert to OMG and why it doesn't matter

Something that keeps coming up is the idea that OMG will grab a slice of forex and crypto trading. In this rather excellent post Civilian- suggests that OMG might grab a slice of the daily 3 trillion forex trade and the yearly 10 trillion Crypto Exchange Trade.
This type of speculation has been further stoked by the news that MUFG (a partner of Omise) is planning to build an exchange and maybe they will build it on OMG...
I’ve promised a few folks here on the omise_go subreddit that I would explain why that is highly unlikely to happen as expected... and also to explain why that does not matter.
As you read through this, you may get a little disheartened, but don’t, because I’ve got some great news at the end that makes up for the debbie downer stuff at the start.
HFT
The first important point to note is that most exchange liquidity is created by high frequency trading HFT.
These HFT bots are always running. They make trades every second. With each trade they try to gain just a fraction of a percentage point and as a result they usually make large trades to make money on those very small gains.
This means that just about any time a regular day trader wants to make a trade it is instantly snapped up. Which is great for day traders! There are many HFT companies that are market makers and collectively give electronic marketplaces huge amounts of liquidity.
The world of HFT is conducted in milliseconds.
Trades MUST be able to execute within the shortest time possible (sub 1 second end-to-end). It is, after all, computer against computer. This is why many HFT companies pay huge amounts of money to get the fastest possible connection to an exchange.
In many cases they even get an office right next to the exchange and wire a fiber through the wall, directly to the exchange’s network, to try to get a competitive advantage.
So, to recap, HFT traders are market makers, they create the liquidity that makes it very convenient for other traders to be on the system.
Confirmations
For a transaction to complete on a DEX like OMG, it must be confirmed by multiple nodes. Each node will be at a different location in the world. We don’t know how distributed nodes will be geographically, but, presumably there will be enough distance to help add security to the network. Perhaps different cities, different countries, or, at the very least different regions of the same city.
You can imagine how a network like that could not work very well for HFT... based on the simple constraint of the speed of light!
In the traditional model the HFT firms buy a single direct connection to a centralized exchange with a ping time of 10ms. When they place the trade no confirmations are required. So just one wire and one api endpoint and a few milliseconds.
If they try to make that same trade on a DEX the trade would require multiple nodes to be discovered and confirm the transaction with each node incurring it’s own 100ms? 200ms? network latency. It seems almost impossible to imagine a system like that enabling sub second trades end-to-end.
Reason #1
So, DEX confimrtatons and network latencey is reason #1 why it is very unlikely any traditional exchange would move to run on the OMG network.
After all, they would jeopardize their relationship with HFT traders and the fees they bring. They would also jeopardize the liquidity that their other customers rely on so much.
You may say, but wait, the OMG DEX will give them the liquidity they need, but that is a moot point because a) for them it will be unproven and b) they will not want to lose the huge amount of revenue they make from HFT to another exchange that didn’t switch.
Keep in mind the bulk of the 3 trillion daily trading is created by these types of exchanges.
Exchange Architecture
I’m not sure if this is common knowledge, but running an exchange can be disgustingly lucrative. The per trade cost is basically zero. This is due to the core architecture of an exchange.
Essentially, when fiat or crypto is deposited into an exchange, it goes into a large global wallet that the exchange owns. Then a number of that same amount is assigned to a customer record.
From that point forward all the “trading” is simply swapping numbers in a database. There is no actual money, or value, of any kind swapping hands per trade. The money remains in the large global wallet and is not touched.
For example, at its most basic, the database code it takes to make a single trade might look something like this:
UPDATE customers SET USDT = USDT - 25 WHERE customer_id = 1; UPDATE customers SET OMG = OMG + 1 WHERE customer_id = 1; 
Those two simple SQL statements tell a database to subtract 25 and add 1 to a customer record. In this case the record says USDT and OMG but don’t let that fool you, it’s not really USDT or OMG it’s just database columns, with convenient names.
Additionally, for every trade something like this happens:
UPDATE customers SET USDT = USDT - (25 * 0.0025) WHERE customer_id = 1; UPDATE exchange_profits SET USDT = USDT + (25 * 0.0025); 
THAT is the exchange taking a 0.25% fee per trade. For example, yesterday bittrex (the 7th busiest crypto exchange) did a total volume of $1,027,873,751. We can calculate how much they made by doing this:
VOLUME * 1.0025 = TOTAL VOLUME - TOTAL = PROFIT 
So, from their 0.25% Bittrex made $2,569,684 yesterday.
Ignoring the fact that a DEX is not fast enough for HFT trading, let’s imagine that bittrex did decide to run on the OMG network.
In this case Bittrex could use the OMG infrastructure and add a surcharge on top of every trade.
Let’s imagine a best case scenario that OMG trades cost 0.1% per trade and that Bittrex could then add 0.15% on top.
This means that Bittrex would be losing $1,027,8737 per day vs what they could be making by running their own infrastructure.
Reason #2
I hope you can see there is no “infrastructure savings” that OMG could bring that could offset the level of profit exchanges make. With the amount of money that exchanges make they can easily hire developers to fix any scaling issues or other technical problems that they may have.
All that is to say, loss of profits is reason #2 why it is very unlikely that any existing exchange would switch to run on the OMG network.
This is also why it is highly unlikely a traditional bank like MUFG would build a new exchange on the OMG network. Why would they? When they can literally make billions of dollars of extra profit by running it on their own infrastructure!
Disruption Patterns
So, right about now, you’re probably feeling depressed because it feels like we just lost trillions and trillions of earning potential from our beloved OMG :(
Well, let’s talk about why that doesn’t matter by looking at patterns of disruption...
Many people think Uber makes all it’s money by replacing Taxis. Wrong! They made it so easy, cheap and addictive to use on-demand transportat that customers use Uber in ways that they never used Taxis.
For example, before Uber came along I personally used Taxis about one time a year but now I use Uber about 4 times a week!
Uber created a completely new market. Very few people ever used Taxis 4 times a week but, now, lots of people use Uber 4 times a week. This equates to a staggering amount of new money that has nothing to do with “replacing” Taxis.
The same pattern can be seen with Slack.
Before Slack came along there were plenty of competitors doing what Slack did. Sure Slack took some of that business away, but the real money they made was by bringing in hundreds of thousands of new companies who had never used a product like that.
They just made Slack so easy to get started with and then so easy to continue to use. Even my mum uses slack!
The same can be said for Google. Google literally brought a whole new set of people to the internet because it made it easy to find stuff.
OMG Disruptions
It’s a little bit difficult to see where or how disruption might play out.
For example, Microsoft always had the lofty goal of everyone getting a computer. But, it was actually the iPhone that ended up being the reason (and disruption) that caused everyone to get a computer.
For this reason it’s hard to predict specifically where OMG might take us and what new markets will come to exist because of it.
That said, one thing that a lot of disruptions to have in common is that they make something easier and/or cheaper. So, perhaps if we explore what OMG makes easier and cheaper, we might get some ideas of new markets it could create.
Easier for Developers
In the same way that etherium makes it easy to create new alt-coins and as a result we have LOTS of alt-coins now. The OMG network and SDK will make it easier to build... exchanges… like Bittrex!
Now, don’t get mad at me.
I know I just convinced you that exchanges won’t be run on OMG... but I was talking about existing exchanges not new ones created by indie developers.
OMG makes it wayyy easier for a solo indie developers to build something like an exchange because all they need to do is build the front end and plug it into OMG.
It would not be useful for HFT traders. It would not rake in the kind of profits that Bittrex does. It may even only make $1.99 in the app store. But, that is still worth it to an indie developer!
In this way, hundreds, or perhaps even thousands, of new exchange style apps will be created that run on the OMG network.
There are many reasons that a consumer might use an app like this vs Bittrex. For example, if exchange fees were 0.1%. Or if the app had automation built in. Or perhaps the app had a UI that was much more pleasing to use.
In the same way that Uber created a whole new type of transportation customer, these new apps might create a new type of crypto and forex trader.
Of course, it will not just be exchange apps that OMG makes easier for developers, but since that is what we are talking about, that is why I mentioned it.
Other things that will be easier will be cross border payments, cross cilo payments (paypal -> venmo), cross currency payments, in game payments, etc.
Each new type of “easiness” that is passed on to developers will end up spawning a new set of apps and markets.
Easier for Consumers
The simple fact of being able to easily move money around will create thousands of possibilities. Far to many to mention here.
Cheaper for Consumers
Nothing is better than cheaper AND easier. With OMG we get a lot of that. Also, too many possibilities to mention here.
Perhaps that should be another post...
Conclusion
HODL
submitted by jv2222 to omise_go [link] [comments]

NEX AMA Answers!

Some of the NEX team went through the questions asked a couple of days ago, but due to the answers being posted sporadically, i thought it might be better collating answers and reposting for visibility!
I highly recommend reading through if you are interested in NEX!
    NEX team marked as
U = u/Unignorant, C = u/Canesin, L = u/Localalhost_coz  
Original post here
Q: What is the NEX marketing plan to grow in terms of a customer base ? And how far is the team away from a finished product? During most of the interviews I noticed the team reference comparison to Binance, how does the interface match binance in a decentralized environment? (u/sheldonbraganza)
(U)We will have a complete product out on TestNet in Q2, and a fully working cross-chain exchange on the NEO and Ethereum networks in Q3.
NEX is marketing to two primary groups of users: (1) Mainstream users who want an easier experience buying altcoins with cryptocurrency. Through our network of banking partners, we will make it easy for anyone in the world to buy tokens on NEO, ETH (and eventually other chains) using their national currencies. (2) Bots and traders: we aim to have best-in-class trading APIs for high performance, computational trading. We will have better and faster APIs than today's centralized exchanges, with the added benefit of these systems running on decentralized networks
The point of our off-chain matching engine tech is to enable the same (or better!) usability as an exchange like Binance, while keeping around the decentralized model. The off-chain engine makes trading just as performant as today's centralized exchanges, and makes it much easier to support the kind of cross-chain trading functionality that has long been a pipe dream for decentralized exchanges. We are very much inspired by other exchanges like Coinbase in this regard, and we will be the first DEX to achieve this.
(C) Just to remember that NEX is also going after costumers that usually are not considered by other exchanges with its features to facilitate peer to peer payments requests, invoicing and tipping/gifts.
Q:Can you elaborate on NEX staking? The whitepaper was fuzzy about it and had terms like "staking percentage". (u/r3dh4r7)
(U) The NEX staking rate will be from 25-75%. Committing to stake for one day gives a rate of 25%, which increases linearly to a rate of 75% if you are willing to stake for 2 years By staking rate, we mean the percentage of revenue you will get from NEX fee collection proportional to the tokens you hold. For example, if you hold 10% of all NEX tokens and are staking at a rate of 75%, then you will receive .10 * .75 = 7.5% of all fee revenue generated by NEX over that period.
We will confirm these details in an updated white paper release coming out today or tomorrow. ~ If you commit for two years, the first year will still be at 75%.
Q:How soon do you introduce Fiat pairs? (u/coinonymous1)
(U) Our network of banking partners will begin to go live in Q2. That means users will be able to enter the ecosystem with national currencies through the NEX extension and web-based exchange interface.
(C) To clarify, this are not direct trading pairs on the exchange itself (i.e. JPY/NEX) but a easy method to on ramp and cashout using the tools. Users will be able to acquire NEO and GAS with fiat and any other tokens traded at NEX will be using the exchange itself.
Q: The chrome extension is great but why should I still rely on desktop to access NEX interface ? When can we expect Iphone/ Android App? (u/cryptobuddy_1712)
(U) We are planning native android/iOS apps. Depending on how fast we can grow, they may be out by Q3.
(C) Mobile presence is a complex topic, depending of how much of the full experience you want to provide - that will depend on the support shown by 3rd party wallets, if they adopt NEX APIs.
Q: Will you guys be supporting Ledger integration any time soon? Nex chrome add-on, Nex exchange integration...?! Plans to list the Nex token on other exchanges before the release of your own? What are the plans to continue supporting Neon wallet now that Nex came out with their extension for chrome? Will Nex exchange introduce fiat deposits/withdrawals? (u/mihai_ss)
(U) Yes, ledger is on the roadmap. We cannot comment on other exchange listings right now. We love and will continue to support Neon wallet (you are speaking to its creator :) as a great desktop wallet and complementary partner to our extension. NEX will support national currencies in/out of the exchange through our network of banking partners.
(C) Not only ledger but hardware wallets in general. Ledger is priority currently given that it is quite popular in NEO. We have to have in mind that NEX is trying to do a lot of different things to make usage easier to new users (that probably don't have a ledger!), there is currently about 96k users of it (more than this sub) so we will focus on fixing the corner cases and issues that appears frequently with such large user base first.
Q:More and more people are using mobile apps for trading. Don't you think nex should also have its own iOS and Android app. Are the API being developed future proof to integrate with mobile apps for trading and seeing candle charts. (u/Cryptobanku)
(U) We agree with the power for mobile, and future proofing the API is 100% on our mind. Longer term, we are planning native iOS/android apps.
Q:So NEX is a security right? What does that mean exactly? The Token only will be available on the neon exchange? In order to get the exchange dividends are we gonna be forced to put our tokens on stake mode? If so, once we put our tokens on stake mode does that mean we are not gonna be able to move them or sell them for a specific period of time? (u/sersimovi)
(U) NEX is a registered European security. It will be traded on NEX exchange, but that is not the only place it will be traded (I cannot say more than that right now). Being a registered security is amazing for investors. It means that all of the sketchy things that so often happen with cryprocurrencies/tokens (things like market manipulation or insider trading) are made explicitly illegal. It also means that we, as a company, go through an extensive audit. For that, we have partnered with the top tier accounting firm Ernst and Young.
The staking model means that you commit to staking your NEX for a certain amount of time to receive a share of fee revenue. The minimum amount of time you can stake NEX is one day. The maximum time you can stake is two years. While staked, you cannot move or sell the NEX tokens.
(C) All that plus the investor don't need to fear it will crash because someone classified it as a security in the future.
Q:When will the official sale date be announced and when will the official tokens per neo be determined? (u/rborsb9)
(L) We are still working with our legal partners to determine a final sale date, but it will be sometime at the end of April. The tokens per Neo/Gas will be determined from the 10 day moving average of the price before the sale begins.
Q:What do you think sets NEX apart from the countless other DEXs that are starting up right now? Why should people invest in NEX vs Switcheo/Etherdelta/Binance(once they release)?
(U) NEX will be the first usable, performant, and cross-chain DEX. Out of all the exchanges you mentioned, none of them are using an off-chain matching engine, which quite simply means none of them can do what we are doing.
In addition to that, NEX has by far the most generous revenue share model of any exchange you have mentioned. This is because we are embracing being a security (not hiding behind some questionably legal utility token). The people who invest in us will be treated very well by this model.
As for competitors: Switcheo unfortunately doesn't work. There is no volume, and the SC is broken (or at least didn't work when I tried it; the transaction failed and it stole the small amount of GAS I tried to trade). Etherdelta has higher volume but still ridiculously low overall. And again, just try to use Etherdelta... it is a usability disaster. There is really no comparison here. Binance might do something interesting, if they decide to do anything. But we have better technical talent than Binance, so I am not too worried.
Q:What % volume neon exchange will support compared with top centralized exchanges? Thanks big neo fan! (u/myfriendbaubau)
(U) We will support just as much volume as today's centralized exchanges.
Q: Will NEX have a stable coin? (u/masi252)
(U) We have looked into various implementations and ideas surrounding stable coins and have determined that it is not something we are planning on doing in the near future.
Cont: What about when Alchemint releases? (u/Bing0to)
(C) We wanted to do a fundamental strong stable coin that was capital efficient. Unfortunately there is some pre-requisites for that to be possible that currently is lacking in crypto markets. We will continue to monitor how this space evolves and our ideas are stored waiting the future when they can be applied.
Q:Can we expect the erc20 token trading earlier than q3? (u/markerizza)
(U) Q3 is the current roadmap projection. It is possible it will happen earlier depending on our growth.
Q: Will the token sale be via smart contract, so that we recieve our tokens right away? (u/Ebrii)
(U) Yes
Q: will you guys have an official subreddit and telegram anytime soon? (u/markerizza)
(U) No, we dislike the idea of project oriented telegrams. There are too many opportunities for scammers. We may have a subreddit in the future, but not anytime soon.
Q: What is the plan to get liquidity on the platform? It seems to be the biggest problem with current DEXs. (u/Mutedtommy)
(U) We have strategic partnerships for this. We are also working with other partners to develop some nice APIs for high performance trading.
Q: On the site you say that the ORIGINAL winners can participate in the second round (9000$) options, do you mean only the first round lottery winners or the first and second round winners combined? (u/FrancoisFrancis)
(U) Any lottery winners (whether first or second draw) have the opportunity to participate in both rounds 1 and 2. Please see this medium post for clarification: https://medium.com/neon-exchange/nex-extension-and-lottery-q-a-667e56f58e4a
Q: If you chose to participate in round 2 from the KYC process, does that mean you are guaranteed a spot? The medium article seems to indicate there will be an additional lottery from those who selected that option to see who from round one is eligible for round 2. (u/DwyerMatt)
No one is guaranteed a spot in round 2. It is even possible (though extremely unlikely) that all NEX is sold out in round one. This would happen if everyone who is selected goes through KYC and participates at 100%. (U)
Q: Will NEX tokens only be tradeable on NEX or is there a chance of it being listed on other exchanges like Binance? (u/Frank_Sinatra88)
(U) See an answer above. Not just NEX, but I can't say more than that right now.
Q: How do you see NEO compare to other coins on its network ? Like another coin could be valued more than NEO itself ? And will NEX always be bound to NEO? (u/BN_Boi)
(U) It is unlikely but possible that a NEP5 token could eventually achieve a higher marketcap than NEO itself.
NEX is not bound to NEO much at all. Our token will live as a NEP5 on NEO, and that is how users will receive staking rewards, but we will support trading very early on Ethereum as well.
(C) Google runs atop of other companies infrastructure (telecom providers), but it is valued more than all of them. The same thing can (and probably will) happen in token land, it will just take a while - when infrastructure becomes less important than applications and platforms atop of it. Like with the internet.
NEX behind the scenes (as the DEX is cross-chain from start) is using NEO capabilities, but the future of both is broad and uncertain. As a long term strategy the NEX company will do what it can to improve its underling technology and remove risk from its business.
Q: Is there a vesting period for the half of available NEX tokens that will not be sold during the ICO? (u/ETHERjimbo)
(U) The founder and employee tokens (25%) will vest over two years.
Q: Whitepaper uses an example $100m in the fee distribution calculation. If NEX is truly a security token and the whitepaper is your prospectus then you must provide further data on fwd looking statements. The NEX token gives the right to fee distribution. Given this you must provide assumption based forecasts on expedited fees over the next 3 years. This will support price discovery. How can the market properly price the token when fee expectations are unknown.(u/nsheahan82)
(C) Fee structure is defined on whitepaper and version v1.1 contains a example section as stated. Version v2.0 (to be released very soon) contains the actual staking portion (25% to 75% linear over two years growth on staking).
Guess work on the volume would in reality be very indigenous, look at volume behavior market wise (https://coinmarketcap.com/currencies/bitcoin/#charts) so much variation. Following the 3 years trend we could say trading volume will be bigger than the world economy, clearly that is not happening.
Q: Would NEX Staking be a 50% or 75% as stated on the whitepaper? (u/GMDaddy)
(C)See answer above, it starts at 25% and goes up to 75%. The increase is linear and maximum period is 2 years.
Cont: By linear, you mean like as an option where the user has the choice on picking whether to stake it from 25% up into 75%?
(C)No, when you start staking it starts at 25% and by linear I mean it increases at a constant rate of about 2.08% per month for two years until it reach 75%.
(U)To clarify fabio's comment: yes, you can choose a fixed rate of 75% by committing to stake for two years.
Q: A massive attraction to NEX is the prospect of decentralised banking. What makes decentralised banking better than traditional banking? (u/kabelofthe3rd)
(C)Our goal is to facilitate crypto trading at large, this touches from usage of applications to investing passing by funds management and invoicing solutions. What this enables is a digital cashless economy, we call it the smart economy. In the smart economy users are in control of their funds using this advanced technological tools to perform the tasks above and current banking solutions are no longer needed.
Q: Once NEX is rolled out, what will be the easiest way for US residents to buy some stake? I'm aware it's going to be issued as a security so I'm thinking the NEX token will only be tradable on NEX itself because most non decentralized exchanges will not list security's or tokens that don't pass the Howet Test. Is this correct?(u/Cozmo525)
(C)You are correct, for US persons you will need to wait other licensed exchanges list NEX or we acquire the proper licenses to allow US people to trade securities. Whatever happens first =)
Q: Can I stake only NEX or also other Token f.e. NEO? (u/masi252)
(C) NEO doesn't need to be staked, you already can claim GAS on NEX extension.
Q: How do you plan to compete with Switcheo when they have first movers advantage and will be live for months before your platform will be? (u/toneeey1)
(C)We plan to compete with anyone in our market by providing better products.
Q: Will TNC be utilized? (u/molly1nora)
(C)That is not planned, NEX has it own custom scaling solutions already in development.
Q: Do you see exchanges not listing NEX, due to the fact that you guys are direct competition? (u/detnah)
(C)That is a tricky question, I believe competition will not be with every exchange - in special centralized ones, as CEX they will more focused in national markets and we are going after broad chain level trade.
Q: Is there a chance in the future you will also introduce other coins to the exchange sich as ERC-20 tokens etc? If so you'd blow all competition out the water. (u/Frank_Sinatra88)
(C)Yes, ERC-20 tokens will be supported by Q3 together with NEP-5.
Q: Will NEX APIs support mobile Dapps or Wallets? (u/johndon96)
(C)Both, APIs are in general not target to a specific application, is up to the developers to use it in their products.
Q: What are the team's plans to make NEX the best decentralized exchange and one of the best projects ever released? (u/its_me_TAG)
(C)We will be working close to our costumers, never afraid of breaking status quo and never ending improvements. NEX will never be done.
Q: Are there any plans to open up some Nex-Stores in several spots around the Globe? (u/michaeluebelhart)
(C)No, but will have a online swag store :D
Q: Is it possible that in the long future to have forex pairs listed on NEX? (u/BR8889)
(C)In a future where fiat has token representations or stable coins are indeed stable.
Q: When will we see the updated Whitepaper? (I know for example that you plan to integrate ERC20 tokens earlier than mentioned in the original Whitepaper) (u/mambor)
(C) Target is this weekend. We could delay if redacting detects things that should be changed/improved.
Q: What is your go-to-market strategy? (u/Dux_AMS)
(C) We already have >100k users. ;)
submitted by menofthenorth to NEO [link] [comments]

Green zone: Dow Jones is rising again

Green zone: Dow Jones is rising again
US stock indexes finished Wednesday on a positive. Standard & Poor's 500 increased by 21.54 points (0.72%), amounting to 3000.93 points on September 11. The Nasdaq Composite value increased by 85.52 points (1.06%) - up to 8169.68 points. The Dow Jones Industrial Average index increased by 227.61 points (0.85%) - up to 27137.04 points.
https://preview.redd.it/qyj9oide05m31.jpg?width=620&format=pjpg&auto=webp&s=dc72a1fc9199a019fb49cd9b2f1e6096c52f316a
At the same time, the Dow Jones Industrial Average will finish in positive territory for the 6th day in a row, which has not happened since June 10. Besides, for the first time since July, it exceeded the mark of 27,000 points, and Standard & Poor's 500 rose above the level of 3,000 points for the first time in 6 weeks, according to MarketWatch.
The Russell 2000 Small Capitalization Companies Index rose 2.1%, increasing the rise from the start of the week to 4.6%. The S&P 500 added just 0.5% since last Friday.
GameStop Corp Securities Price (NYSE: GME). collapsed by 9.8% after a video game retailer reported a loss of more than $ 400 million last quarter. At the same time, revenue and adjusted earnings fell short of analysts' forecasts.
Cost of Amazon.com Inc (NASDAQ: AMZN) rose by 0.1%. The US Federal Trade Commission (FTC) has launched a survey of representatives of small companies that sell products on the Amazon platform to determine whether the e-commerce giant uses its market power to infringe on its competitors.
Securities of Apple Inc. (NASDAQ: AAPL) added 3.2%. A day earlier, the company introduced three new iPhone models, including cheaper ones, and talked about plans to enter the video streaming market, where it will offer a subscription at attractive prices for customers. Apple seeks to offset the slowdown in sales of its devices by expanding its offer of new services, including streaming TV and video games.
Quotes of Taxi order services, such as Uber Technologies Inc. and Lyft Inc. increased by 1.5% and 2.4%, respectively. The Senate of the US state of California approved a bill that could oblige companies in the so-called gig economy to consider independent workers their employees.
Granting independent employee status to company employees and compensation payments will increase Uber and Lyft expenses per driver by $ 2-3.6 thousand per year, according to a study by Barclays Plc (LON: BARC) and Macquarie Capital.
You can find more information about the stock market, commodity market, and FOREX on the ITRADER site.
This material is considered a marketing communication and does not contain, and should not be construed as containing, investment advice or an investment recommendation or, an offer of or solicitation for any transactions in financial instruments. Past performance is not a reliable indicator of future results.
Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 84.16% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Legal Information: ITRADER is operated by Hoch Capital Ltd., a Cypriot Investment Firm (CIF), authorized and regulated by the Cyprus Securities and Exchange Commission (CySEC) under the license no. 198/13, in accordance with the Markets in Financial Instruments Directive (MiFID II).
submitted by Itrader_com to u/Itrader_com [link] [comments]

Apple introduced the iPhone 11 Pro and Pro Max with a triple camera

Apple introduced the iPhone 11 Pro and Pro Max with a triple camera
Apple introduced the iPhone 11 Pro and Pro Max with three main cameras at 12 MP. The broadcast of the annual autumn presentation of the company was conducted on YouTube.
https://preview.redd.it/g8yar7r8gyl31.jpg?width=318&format=pjpg&auto=webp&s=293009747ea731e26f648836e38132eea9d16516
The new iPhone will have: a camera with an ultra-wide-angle lens with a coverage of 120 degrees, a camera with a telephoto lens and a regular camera (in Apple it is called simply wide-angle). Apple also showed the Deep Fusion feature, which takes several shots and combines them into one image to “pull out” as many details as possible.
All three cameras shoot video in 4K resolution and 60 frames per second. New functions have appeared in the photo and video editor - for example, in one window you can see how the frame from each camera looks and select the best one.
iPhone 11 Pro and Pro Max are equipped with a new OLED screen. The smartphone supports Dolby Vision and Dolby Atmos; Apple called the Super Retina XDR display. The screen size of the Pro will be 5.8 inches, and the Pro Max - 6.5 inches. Both models are equipped with an A13 Bionic processor.
The iPhone 11 Pro will last four hours longer than the iPhone XS, and the iPhone Pro Max five hours longer than the iPhone XS Max, the company said. The kit will go fast charging.
Smartphone sales in the first wave countries will begin on September 20, 2019. The iPhone 11 Pro and iPhone 11 Pro Max will be available in four colors: dark green, silver, gold and space gray. Available memory: 64 GB, 256 GB and 512 GB.
You can find more information about the stock market, commodity market, and FOREX on the ITRADER site.
This material is considered a marketing communication and does not contain, and should not be construed as containing, investment advice or an investment recommendation or, an offer of or solicitation for any transactions in financial instruments.
Risk Warning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 84.16% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Legal Information: ITRADER is operated by Hoch Capital Ltd., a Cypriot Investment Firm (CIF), authorized and regulated by the Cyprus Securities and Exchange Commission (CySEC) under the license no. 198/13, in accordance with the Markets in Financial Instruments Directive (MiFID II).
submitted by Itrader_com to u/Itrader_com [link] [comments]

Introduction to investing as a U.S. citizen residing in Japan

[meta: I ask for help in making sure this information is accurate and correct. Please contribute as you see fit!]
WARNING!! I am not a lawyer, accountant, or broker, nor do I have any experience or training in any of those fields. ALWAYS confirm with a professional before taking any advice you read on the internet.
Foreward
If you're old enough to pay taxes, you should start investing. The earlier, the better.
Here’s another example to illustrate the enormous benefit of getting an early start. At age 25, Eric Early invests $4,000 per year in a Roth IRA for 10 years and stops investing. His total investment is $40,000. Larry Lately makes yearly deposits of $4,000 in his Roth IRA starting at age 35 for 30 years. His total investment is $120,000. Assuming both portfolios earn an 8 percent average annual return, at age 65, Eric’s IRA will be worth $629,741, but Larry’s IRA will be worth only $489,383. By starting 10 years earlier and making one third of the investment, Eric ends up with 29 percent more.
- quote from "The Boglehead's Guide to Investing"
Target audience
This is an introduction for U.S. citizens with residency in Japan who want to do long-term investing in U.S. equity (stocks, bonds, etc.).
Disclaimer
This advice may not be accurate for citizens of countries other than the U.S. or for those U.S. citizens living in Japan who work for the military or are only temporarily living and working in Japan as affiliated with a U.S. company. This is also not advice for ForEx or day traders looking to make money. Nor is it advice for what to invest in. This is also not advice for investing in the Japanese stock market.
This is just one way to invest in U.S. equity from Japan. There are other ways.
Assumptions
  • You're a U.S. citizen
  • Your income is in JPY
  • You want to invest in U.S. equity (stock market, bond market, etc)
  • You have basic knowledge about taxes and tax-related terms
  • You have at least $10,000 USD to invest (or $3,000 USD if age 25 or younger)
Background
I am an ordinary guy living in Japan. I have disposable income and, rather than pour all of it into my local izakaya and Philipino hookers (who hang out in front of Mister Donut at night and ask if I "want the massage?" (just kidding, really!)), I wanted to invest in my future by saving for retirement. I'm an early 30's-year-old guy and spent about a month reading up on investing and then set off trying to invest as a resident of Japan.
My Story
I moved to Japan 3 years ago after working in the U.S. I have an IRA leftover from my time in the U.S., but never contributed to it since moving to Japan (thankfully - find out why in a bit). I recently saw a post from /personalfinance (seriously, go read information in that sub if you want to have more money upon retirement or just get out of debt!) and decided to read the book "The Boglehead's Guide to Investing" based on recommendations there. After that, I started looking into my options for investing from Japan.
Before I left the U.S. for Japan, I rolled over my 401k into an IRA using Vanguard (arguably the best broker available for U.S. citizens). Since moving to Japan, I had not contributed anything to my IRA. So, the first thing I wanted to do was start contributing to my IRA again, and use any remainder to invest in U.S. equity. Turns out this is not as easy as it sounds.
I found out that in order to legally contribute to my IRA, I had to pay U.S. taxes on my income used to contribute to it. Well, if you're like me and don't make an awful lot of money, you're probably filing with Foreign Tax Credit/IRS Foreign Earned Income Exclusion. This stuff basically let's you deduct all your taxes in Japan, as it on Japanese income and you already paid glorious Nippon taxes on that income. For me, this basically meant that I owed the IRS absolutely nothing every year. Great! Right? Buuuuut since I didn't pay any U.S. tax on my income, I cannot use it to contribute to my IRA! Dammit! (But actually a blessing in disguise because if I had been contributing to my IRA, I would have been breaking U.S. tax law because I didn't pay taxes on it.)
So, I started looking into other ways to invest: the U.S. stock market, bonds, etc. After reading The Boglehead's Guide, I knew I wanted to invest in Vanguard's mutual index funds. My first instinct was to open a brokerage account (which is different from your IRA account) with Vanguard. I started filling out the online form, but ran into issues. You have to specify a U.S. address. Also, you have to specify your U.S. employer. I had neither of these, so I called Vanguard (from Japan at a ridiculous call charge) and spoke with someone about doing this. They gave me the OK but said I'd have to submit a paper form through snail mail, and sent me a PDF to fill out and mail in. I mailed it (from Japan using EMS which was like $20..), and got a call about a week later. Surprise! Because I'm not working in Japan temporarily for a U.S. company or living on a U.S. military base (considered U.S. soil, I assume?), I actually can't open a brokerage account with them. Dammit again! What a waste of money calling them and mailing the form overseas.
So, I started looking into other options. I read about a few other brokers and most people agreed that I should either use Fidelity or Interactive Brokers. I had never heard of Interactive Brokers and honestly they seemed scary at first, so I decided to go with Fidelity, who I had actually heard of and is a U.S. based firm. I created an account with Fidelity, but once again ran into roadblocks when trying to open a stock trading account. I didn't have a U.S. address or employer, and actually wasn't able to link my U.S. bank account with them either (for reasons unknown). Dammit once again!
So, I started reading more about Interactive Brokers. Okay, it's still a little scary, but there are positive reports about using them online. I signed up for an account with minimal hassle, linked up my bank account, was able to transfer money over to them, and then successfully bought U.S. shares! Sweet success! Finally!

How to Invest

Part I: Contributing to your IRA
If you do not have an IRA, you probably should, as they are your basic investment option and tax-friendly to boot. However, good luck setting one up as a resident in Japan! Vanguard will happily babysit an IRA you opened prior to leaving the U.S., but they will not let you open a new one with a foreign address. I don't know about other brokers such as Fidelity or Schwabb, but it's probably the same story there.
If you are like me and happen to have an IRA leftover in the U.S., you CAN contribute to it, but in order to do so you must not deduct your Japanese tax on your IRS 1040 or file Form 1116, "Foreign Tax Credit". In other words, you must pay U.S. taxes on any income used to contribute to the IRA.
Refer to your broker for how to actually get the money to them from Japan.
Part II: Investing in U.S. Equity from Japan
Using Interactive Brokers
First, let me tell you a little bit about Interactive Brokers (IB). They are a service mostly used by regulaprofessional traders. The fees are very low and reasonable. However, they have a service charge of $10/month if your commission is equal to or less than $10 USD in that month. This is probably not a problem for people over 25 years old investing with $10,000+ USD, but for people 25 and under with an initial investment of $3000, it's possible you might not make the minimum commission per month. Beware of this fee.
IB lets you fund the account from many different currencies, regardless of what market you are buying (this needs confirmation, but seems to be accurate). So, whether you have a U.S. bank account or a Japanese bank account, you can fund the IB account. You can even fund from both.
IB does not let you invest in U.S. mutual funds. This sounds like a deal-breaker, but it's actually not. You can still invest in U.S. ETFs. This includes Vanguard's total stock market index ETF, total bond market index ETF, etc.
IB has an iPhone app that is pretty good and probably an Android app too. Although, as someone doing long-term investing for retirement, you probably don't need this and don't want to be checking your account too much (refer to /personalfinance as to why).
IB has multiple account types. You will probably see IBLLC and IBSJ. The differences are two-fold: First: an IBSJ is only used to trade Japan domestic equity. You don't want this because you want to trade U.S. equity. Instead, IBLLC is used to trade overseas (U.S. equity). Second: as of 2016, IBJS requires your My Number information, but IBLLC does not. Again, you don't want IBJS, so don't worry about the My Number information.
Open a "Japan Resident Individual Account for IBLLC" account online. This is a lengthy process. Make sure you have the required information.
  • You will need to send info about your current address in Japan, your 在留カード (zairyuu/"gaijin" card), job information, bank account information, and so on. I got confused and sent my My Number card information as well, but this only caused a hiccup in their process and I was told to remove it. Don't submit your My Number information.
  • You need to choose your base currency. Your base currency determines what currency you trade in and receive dividends/money from selling in. I think you need to specify USD here, but not sure. I chose USD because U.S. stocks are in USD and I used my U.S. bank account to intially fund my account. It may not matter, but this needs confirmation.
  • You need to specify that you have trading experience. I forget the actual numbers you need to put into the form, but make sure you put enough experience that allows you to trade ETFs overseas. You can fiddle with the numbers right there in the form, and options open up as you change the numbers. Play with it until it's just right. This part is hazy, and just seems to be some safeguards for IB so that new investors can't sue/blame IB for their own trading stupidity when they lose all their money. If you really don't have any experience trading, IB offers virtual "fake" accounts you can use to play around with trading. I suggest you try it.
After about a week you should have your new account. The next step is funding it, or you may have selected to fund it up front when you created the account so it may already be done. Anyway, the easiest way is to have IB request the wire transfer from your bank. I did this. It was really annoying, but it took about another week or so to go through. Beware that you probably can't start buying right away and need to wait for the transfer to clear.
Congratulations! You're ready to start buying now. Refer to /personalfinance in what to invest in. Remember that you are limited to buying ETFs and a few other things, and not mutual funds (but you can get their ETF equivalents).
Using
TBD... (anyone want to fill this out?)
Part III: Taxes
You need to declare and pay taxes on your dividends and any capital gains you make. Beware.
TBD... (this is arguably the most important part, but I just don't have time to go into it now. Someone feel free to help!)
TL;DR: Open an account with Interactive Brokers online and buy ETFs.
submitted by crab_balls to japanlife [link] [comments]

Why can't I log out of the app? Or a unicorn has appeared.

I work at a large-ish forex trading company($FX) as a customer support representative. We place high value on customer care, so we don't have any calls per hour quotas to meet, which means we might sometimes get to sit on a call for an hour or two while we attempt to solve whatever issue the clients are facing. It's actually a pretty fun job.
This tale is from a few months ago, when I just started working there. A Tech Savvy Customer($TSC) calls in with an issue regarding one of our mobile trading apps, and I get to pick up the call.
I sign into my workstation, and about a minute after I turn the phone on, I get a call. "This is going to be a great day." I think and pick up the call.
$Me: "Welcome to $FX, can I have your account number?" $TSC: "It's 1111111. I have an issue with my mobile trading app. The app updated a couple of days ago, and ever since the update my account won't get logged unless if I kill the app through the task manager."
$Me: Now this might be interesting. I get a pen and paper ready to write down all the relevant information (Personal preference. I summarize everything after I end the call)
$Me: "OK, can you tell me the brand and OS version of your phone?"
Shockingly, he knows how to get the relevant details. This might be a unicorn.
$TSC: "S5 Edge, android 5.1" $Me: "Alright. Can you please describe the issue in detail?" $TSC: "Yeah: After logging off my account, I get to the login screen. So far so good. When I press the home button, I get the icon at the top showing that the app is running. If I open it, I'm logged into my account again. Same if I launch it through the main menu or the play store. I sent you guys an email a couple minutes ago with screenshots and a more detailed explanation, can you confirm you've received it?" $Me: Scribbling furiously " One moment please" Hold. I raise my head and ask around, "Hey guys, did one of you spot an email from $TSV's email address in the past half hour?" $Other reps: "Nope." $Me: Le sigh. Resume call "Thank you for holding, unfortunately we didn't get the email. Could you send it to [email protected]$FX.com?" $TSC: "Yeah, give me a sec. I don't actually mind myself, but there are people who don't lock their phones or leave it with unsupervised children. Someone might get royally screwed over this." $Me: Ding "You're absolutely right sir. I just received your email. I'll forward it to our QA and technical teams to have a look." $TSC: "Cool, thanks." Hangs up $Me: Yeah, screw you too
So I look through the screenshots and explanation... I swear, the guy either used to work QA or is currently working as a QA. Damned thing looks more detailed than most professional bug reports I've seen.
So I start writing a ticket to our RND team, but I figure I'll also try and replicate the issue. I can't stress enough how much leeway we get when dealing with customers, and if something like this happens a rep may go missing for the rest of the day. I sign off the phone, and steal a few phones from my fellow reps, both iPhones and Androids. I got lucky with 2 phones that didn't have auto updates running, so they had an older version which didn't have the issue. But as soon as I updated it? Yup, not logging out.
I change the severity of the still unopened ticket to critical, and write a tl;dr in the ticket notes, along with the phone models and version numbers I replicated it on.
Ticket sent, and I get the level 2 tech that was assigned to it on the phone.
$Me: "Hey, so this issue was spotted by a client. I replicated it on 5 different devices. All get the same issue." $L2T: "Yeah, saw the ticket. You're CCed on any updates about this. You'll need to follow up on this with the client once it's done." $Me: "Really?" $L2T: "Yeah, the rep who catches the issue does all the follow ups until resolution." $Me: Sounds fun. $L2T: "Cheers"
A few days pass, and I finally get an update
Ticket closed. ask the customer to update his app
So I do just that. While waiting for him to puck up I check it on my own phone. Looks like it's fixed.
$TSC: "Hello?" $Me: "Hello, this is $Me from $FX. I'm following up on an issue you had with your mobile app?" $TSC: "Yeah, it's working fine. Thanks."
Awesome client. Made me feel utterly useless.
Moral of the story? Some customers use CS reps as a human ricketing system. This is one of maybe 3 cases where I didn't actually do anything at all.
submitted by BorisiroB to talesfromtechsupport [link] [comments]

A Newbie's Guide to Forex Gambling

Sitting at a bar in my hometown over the holidays, i struck up a conversation with the young bartender who was having a slow night. We talked of life, love, boobies, and...forex. When the conversation turned to future ambitions he dropped the "F bomb" and his eyes lit up green as he passionately explained what forex was. To be honest, i didn't understand half the lingo he was spewing and my interest in the subject was dwindling. Then he brought out the numbers. Holy shit the numbers. On a bar order he showed me how he was going to go from $2000 to $9999999999999 in a number of years. I was getting pretty drunk at this point as the service was lag free when talking to the man. "If it was this easy" i slurred, "why isn't everyone doing this?" He explained to me that everyone in European Land was doing it. He explained he learned the Secrets from a prison Bazillionare who didn't pay his taxes. He told me about his 15 pip system (what is a pip?) and the magic of compounding profits. The bar was getting vibrant again and our conversation got choppy. Between the shots of fireball my buddies were buying me and the game of pool i was crushing at the conversation stopped. I don't remember when we left but i never said goodbye before stumbling out the door.
I woke up feeling FANTASTIC the next day...ughhhh....and had to entertain my girl. In fact I had to visit with family and a few more friends. I did not even have time to think about Forex and went back to my holiday, delusion free.
When i returned home i realized i spent WAY too much money on my holiday. Money, money, money. I wish i was rich. I need to be rich. Rich. Forex. What was that guy talking about? Billions? I could use some bilions. I tapped my IPhone and searched "4X" and eventually found a broker. Woahhhhh slow down, buddy. It's called forex and i bet there is a subreddit for this. Yep! I mean there is a subreddit for dragons banging cars. I didn't understand half the posts until i came across a post promoting babypips. I was going to need a computer and a couple beers for this one.
I read ALL of babypips in one sitting. Granted throughout i was becoming aware of how much studying i was going to need to understand everything but i was getting my feet wet. I learned what a pip, candlestick, R and S levels, money management, and all that fun was. A WORLD was opening up to me and it was COMPLICATED. I was fascinated. I was impatient. I wanted to trade now! I mean, i just had to beat the spread, right?
I opened a demo account on Fxtrade and watched as the charts loaded up. I had a full blown erection at this point. THIS IS SO COOL. Everything was moving so fast. I KNOW WHAT THAT IS. OOOO A DOJI! LOOK AT ALL THE PIPS!!!!!!
At this point you are probably asking how much REAL money i lost. I'm sorry to disappoint you, you sad sad sadistic man. I are smart. At this point i realized mid boner how little i knew. I wanted to read charts, learn the candles, and check out the news. I felt the need to wear a suit as looked at Bloomberg and tickers. THIS WORLD IS AWESOME. I <3 FOREX!
I decided to reward myself for the HOURS of studying i put in. Hours, ha. I was going to take my demo account and guess the market. I wanted to trade so bad and its just pretend money so yea, it's just pretend money. The next 4 hours of my life I got VERY possessive about that pretend money. I was yelling, biting my nails, jumping up and down. Oh, this was the fear and greed aspect people were talking about. WHY DOES IT KEEP GOING DOWN! My pips! My babies!!!
At the end of 4 hours i was down 400 dollars!! I slammed my laptop shut and buried my head in my hands. I am such a shitty trader! Why couldn't i guess the market! Oh....that is right, i was gambling and you know what? I bet with a thousand more hours of studying i would still be gambling. I bet the gambling never stops.
I have so much to learn and so much chart time ahead of me. This is not a get rich quick scheme. Hell, i am convinced you can't get rich without rainman powers and a zillion dollars of starting capital. It's fun, it's exciting, and it's a whole new world that has just opened up to me. So, if you are brand new like me to this world like me take heed to what i learned in my whirlwind introduction and don't be delusional.
  1. You are gambling, even with a strategy
  2. There is a 99.9999999999% chance you won't get rich
  3. You are not rainman
  4. Learn Forex because it's fun and exciting, not to get rich (see #2)
I look forward to learning from this community and i'm beyond excited to dive deeper into this world.Thanks for all the posts that are already here and thanks for the ones you have yet to write. People like me NEED to read them. Bring on the (demo) pips!
submitted by TecoAndJix to Forex [link] [comments]

Best Online Trading Sites

XtreamForex is one of the Best Online Trading Sites in the Forex Market. When we start our journey in the forex market then the selection of good trading platform is most important. XtreamForex provides you Top Trading Platform. We will provide MetaTrader (MT4) platform for PC, Android, IPAD and for Iphone too. In XtreamForex it is very easy to trade from anywhere and anytime.
submitted by xtreamforex26 to u/xtreamforex26 [link] [comments]

Subreddit Stats: AskEconomics posts from 2018-08-22 to 2018-11-12 07:20 PDT

Period: 82.02 days
Submissions Comments
Total 979 6319
Rate (per day) 11.94 76.69
Unique Redditors 688 1060
Combined Score 5907 19076

Top Submitters' Top Submissions

  1. 322 points, 37 submissions: benjaminikuta
    1. So, what's the difference between this new trade deal with Mexico and Canada and the old one, and what are the implications? (71 points, 12 comments)
    2. The EU is considering making product life expectancy a mandatory piece of info for consumer electronics. What would the economic implications of that be? (64 points, 24 comments)
    3. Do powerful unions increase wages above the optimal level, or do firms with market power cause imperfect competition in the labor market, causing sub optimal wages? (Or both?) (27 points, 3 comments)
    4. How do economists measure unpaid work? (24 points, 8 comments)
    5. When it is said that someone in a third world country lives on a dollar a day, what does that actually mean? (22 points, 19 comments)
    6. What are some common misconceptions about economics? (14 points, 19 comments)
    7. What would be a better alternative to Bernie's proposal to tax employers of welfare recipients? (14 points, 65 comments)
    8. How effectively can negative externalities be quantified? (10 points, 7 comments)
    9. To what degree has the internet increased the liquidity of the labor market? (7 points, 3 comments)
    10. What happened with the Greek economic crisis? (7 points, 5 comments)
  2. 146 points, 30 submissions: Whynvme
    1. When economists refer to industrialization, does it mean a move from agricultural to manufacturing economy? Is the growth in services a different term? (22 points, 6 comments)
    2. Do economists actually calculate consumer surplus empirically, or is it more of s theoretical concept? (20 points, 5 comments)
    3. If we have cobb douglas preferences, my demand for x is not a function of the price of y. How do substitution effects arise then? (11 points, 6 comments)
    4. Is me making more money than I would necessarily require to work( so more than my 'opportunity wage') for a job an economic inefficiency? or is ineffiency in labor markets a wedge between my marginal revenue product and my wage? (11 points, 3 comments)
    5. why is ceteris paribus important for analyzing/thinking about the world? (11 points, 7 comments)
    6. Why does inflation necessarily mean wages will be increasing too? (6 points, 3 comments)
    7. some basic macro questions (6 points, 2 comments)
    8. what is meant by value added? (6 points, 3 comments)
    9. Trying to understand economies of scale, e.g. costco (5 points, 5 comments)
    10. Why would an economy implode long term if there are decreasing returns to scale? (5 points, 15 comments)
  3. 95 points, 2 submissions: MrDannyOcean
    1. Announcing a new policy direction for /AskEconomics (75 points, 135 comments)
    2. The new rules for AskEconomics are now in place. Please see the details within. (20 points, 20 comments)
  4. 79 points, 7 submissions: Fart_Gas
    1. Is free public transport a good idea? (41 points, 20 comments)
    2. Will Venezuela's plummeting economy make it a good choice for low-wage industries? (17 points, 8 comments)
    3. What might cause sudden inflation? (8 points, 2 comments)
    4. Why do some countries without hyperinflation use a foreign currency in everyday life? (8 points, 3 comments)
    5. Has any country tried reducing the minimum wage, and ended up with a good result from it? (3 points, 8 comments)
    6. Do boycotts really work? (1 point, 3 comments)
    7. Why do some businesses sponsor sporting teams in countries they don't operate in, and that they don't plan to expand to in the foreseeable future? (1 point, 1 comment)
  5. 66 points, 7 submissions: FrankVillain
    1. Can the Euro become the global currency for trade? (17 points, 3 comments)
    2. Is China still considered a centrally planned economy? (16 points, 4 comments)
    3. Ressources on the Soviet industrial failures due to poor economics? (14 points, 2 comments)
    4. What is the reason behind France's high unemployment rate? (9 points, 14 comments)
    5. About Land Value Tax & Single Tax: how would it affect farmers and those of them who own their land? (7 points, 3 comments)
    6. Does welfare policies contribute to inflation? (2 points, 1 comment)
    7. If a Bitcoin is worth $1 000 000 and some persons like Satoshi have one or more millions of it... what power do they have? Can they disrupt the financial system with the huge amount of dollars that they have? (1 point, 8 comments)
  6. 66 points, 1 submission: imadeadinside
    1. If Bruce Wayne was revealed as Batman, would stock prices and sales skyrocket or plummet for Wayne Enterprises (66 points, 16 comments)
  7. 64 points, 6 submissions: Serpenthrope
    1. Have there been any serious proposals for economic systems that don't use money? (23 points, 67 comments)
    2. Could a company ever become quality-control for a market in which they're competing, assuming no government interference? (16 points, 4 comments)
    3. Is there a formal name for this? (15 points, 6 comments)
    4. Why are second-hand clothing donations fundamentally different from other types of imports? (5 points, 1 comment)
    5. I saw this article on a UN report calling for the dismantling of Capitalism to stop Global Warming, and was wondering what most economists think of the claims? (3 points, 4 comments)
    6. Peter Navarro and Lyndon Larouche? (2 points, 1 comment)
  8. 62 points, 2 submissions: JeffGotSwags
    1. What are the most commonly held misconceptions about economics among people with at least some background? (36 points, 38 comments)
    2. How did the financial crisis affect the demand for economists? (26 points, 5 comments)
  9. 61 points, 11 submissions: Chumbaka
    1. Can someone explain M0 , M1 and M2 to me? (13 points, 2 comments)
    2. Can anyone explain why this happens and what it means? (11 points, 3 comments)
    3. Can a monopoly also be a monopsony? (10 points, 13 comments)
    4. Why is inflation and deflation bad? (10 points, 8 comments)
    5. Stupid question but : Why does printing lots of money lead to inflation? (5 points, 14 comments)
    6. Why aren't all banks Full Reserve Banking? (5 points, 3 comments)
    7. What does this stock market fall mean to the economy as a whole? (4 points, 4 comments)
    8. How would an universal free market deal with situations like NK? (3 points, 21 comments)
    9. How do I pick an economist ideology to support? (0 points, 3 comments)
    10. Is investing in Forex worth it? (0 points, 15 comments)
  10. 60 points, 6 submissions: Jollygood156
    1. Why didn't quantitative easing + low interest rates raise inflation high? (20 points, 36 comments)
    2. How do we actually refute MMT? (14 points, 68 comments)
    3. Tax Cuts boost Consumption, but the growth is short term while investments are long term. Why? (12 points, 7 comments)
    4. How exactly are land value taxes calculated? (6 points, 3 comments)
    5. What is Nominal GDP targeting and why do so many people advocate for it? (5 points, 16 comments)
    6. What even is Austerity? (3 points, 3 comments)
  11. 49 points, 1 submission: Akehc99
    1. Those who went into the job market after an Econ Undergrad, what do you do and briefly what does it entail? (49 points, 27 comments)
  12. 48 points, 1 submission: Traveledfarwestward
    1. What do most Economists think about The Economist? (48 points, 26 comments)
  13. 48 points, 1 submission: piltonpfizerwallace
    1. What would happen if the US printed $12.3 trillion tomorrow and paid off all of its debt? (48 points, 31 comments)
  14. 47 points, 6 submissions: lalze123
    1. Will Bernie's "STOP BEZOS" plan lower the opportunity cost of hiring non-poor workers, thereby harming poor workers? (19 points, 15 comments)
    2. What does the current economic literature say about the effects of net neutrality? (14 points, 0 comments)
    3. What government programs have been empirically proven to help displaced workers from import competition? (8 points, 0 comments)
    4. By how much does lowering the budget deficit lower the trade deficit? (5 points, 4 comments)
    5. What are some good studies analyzing the difference in efficiency between markets and central planning? (1 point, 1 comment)
    6. Is the study below reliable? (0 points, 3 comments)
  15. 45 points, 1 submission: gh0bs
    1. Why does the economy have to be a series of bubbles and bursts/corrections, rather than a sustained gradual growth? (45 points, 32 comments)
  16. 42 points, 1 submission: Turnt_Up_For_What
    1. You've just been declared supreme potentate of Venezuela. Now how do you fix the economy? (42 points, 24 comments)
  17. 41 points, 1 submission: Crane_Train
    1. How could Venezuela fix its economy? (41 points, 19 comments)
  18. 41 points, 1 submission: TheHoleInMoi
    1. Are there any papers/solid arguments about the benefits of having more local business as opposed to corporate consolidation? (41 points, 2 comments)
  19. 39 points, 5 submissions: UyhAEqbnp
    1. Does income inequality really matter? (19 points, 39 comments)
    2. What happens when there's a surplus of labour? Can there ever be a point where the wages earned are less than the cost of living? (10 points, 2 comments)
    3. Several questions (4 points, 4 comments)
    4. "Keeping seniors from retiring does not boost wages via aggregate demand" (3 points, 5 comments)
    5. Is Okun's Law valid? (3 points, 3 comments)
  20. 39 points, 4 submissions: justinVOLuntary
    1. Best resource on the financial crisis of 2008 (17 points, 7 comments)
    2. Blogs? (11 points, 5 comments)
    3. Econ Internship (7 points, 5 comments)
    4. Not sure if this is the kind of question I should be asking here. I’m an Undergrad Econ major and I’m looking for reading recommendations. Anything from economic theory, history, current research, etc. Main interest is Macro. Thanks (4 points, 5 comments)
  21. 39 points, 2 submissions: ConditionalDew
    1. How much would the iPhone be if it was made in the US? (37 points, 15 comments)
    2. Who are some famous people/celebrities that were economics majors? (2 points, 2 comments)
  22. 39 points, 1 submission: rangerlinks
    1. Who are the best economist to follow on Twitter? (39 points, 16 comments)
  23. 36 points, 5 submissions: CanadianAsshole1
    1. If free trade is so good, then why do countries insist on making trade deals? Why can't we just abolish all tariffs? (18 points, 11 comments)
    2. If climate change is such a huge problem, then why aren't countries utilizing nuclear energy more? (8 points, 17 comments)
    3. Do I understand the problem with"trickle-down" economics correctly? (6 points, 38 comments)
    4. How much of the Reagan administration's deficits could be attributed to increased defense spending? (3 points, 3 comments)
    5. If automation will result in less jobs, then shouldn't the government stop incentivizing childbirth through tax credits and stop immigration? (1 point, 12 comments)
  24. 35 points, 7 submissions: MedStudent-96
    1. Is my textbook wrong? (11 points, 8 comments)
    2. Quasi-convexity of the Indirect Utility Function? (9 points, 14 comments)
    3. Consumer Demand Interpretation for Cobb Douglas-Non Convex to Origin. (4 points, 6 comments)
    4. Do monopolies produce the same as a competitive firm in the long run? (4 points, 8 comments)
    5. Interpretation of Lagrange Multipliers for Consumer (4 points, 4 comments)
    6. Optimisation when MRTS > price ratio (2 points, 7 comments)
    7. Help with the Partial Derivative of the Marginal Cost Function. (1 point, 10 comments)
  25. 35 points, 1 submission: grate1438
    1. Why do Croatians receieve so much more through their pension than their working wage? (35 points, 8 comments)

Top Commenters

  1. BainCapitalist (2626 points, 648 comments)
  2. Calvo_fairy (947 points, 232 comments)
  3. smalleconomist (885 points, 255 comments)
  4. RobThorpe (776 points, 259 comments)
  5. zzzzz94 (577 points, 111 comments)
  6. Cross_Keynesian (520 points, 108 comments)
  7. Integralds (418 points, 68 comments)
  8. penguin_rider222 (395 points, 116 comments)
  9. whyrat (362 points, 69 comments)
  10. bbqroast (319 points, 74 comments)
  11. MrDannyOcean (314 points, 54 comments)
  12. isntanywhere (207 points, 63 comments)
  13. RedditUser91805 (189 points, 28 comments)
  14. CapitalismAndFreedom (176 points, 68 comments)
  15. benjaminikuta (171 points, 112 comments)
  16. LucasCritique (162 points, 33 comments)
  17. raptorman556 (157 points, 44 comments)
  18. lawrencekhoo (156 points, 22 comments)
  19. daokedao4 (131 points, 16 comments)
  20. Yankee9204 (121 points, 15 comments)
  21. roboczar (112 points, 20 comments)
  22. RegulatoryCapture (109 points, 23 comments)
  23. ecolonomist (105 points, 45 comments)
  24. TheoryOfSomething (102 points, 9 comments)
  25. Forgot_the_Jacobian (97 points, 31 comments)

Top Submissions

  1. Announcing a new policy direction for /AskEconomics by MrDannyOcean (75 points, 135 comments)
  2. So, what's the difference between this new trade deal with Mexico and Canada and the old one, and what are the implications? by benjaminikuta (71 points, 12 comments)
  3. If Bruce Wayne was revealed as Batman, would stock prices and sales skyrocket or plummet for Wayne Enterprises by imadeadinside (66 points, 16 comments)
  4. The EU is considering making product life expectancy a mandatory piece of info for consumer electronics. What would the economic implications of that be? by benjaminikuta (64 points, 24 comments)
  5. Those who went into the job market after an Econ Undergrad, what do you do and briefly what does it entail? by Akehc99 (49 points, 27 comments)
  6. What would happen if the US printed $12.3 trillion tomorrow and paid off all of its debt? by piltonpfizerwallace (48 points, 31 comments)
  7. What do most Economists think about The Economist? by Traveledfarwestward (48 points, 26 comments)
  8. Why does the economy have to be a series of bubbles and bursts/corrections, rather than a sustained gradual growth? by gh0bs (45 points, 32 comments)
  9. What is the difference in knowledge between academic economists(Krugman, Acemoglu, Mankiw etc) and hedge fund managers and the like(Soros, James Simons)? by deleted (43 points, 5 comments)
  10. You've just been declared supreme potentate of Venezuela. Now how do you fix the economy? by Turnt_Up_For_What (42 points, 24 comments)

Top Comments

  1. 62 points: Calvo_fairy's comment in Milton Friedman is well respected by many economists, why aren't there more Libertarians?
  2. 62 points: Calvo_fairy's comment in Milton Friedman is well respected by many economists, why aren't there more Libertarians?
  3. 59 points: RedditUser91805's comment in The EU is considering making product life expectancy a mandatory piece of info for consumer electronics. What would the economic implications of that be?
  4. 58 points: arctigos's comment in What do most Economists think about The Economist?
  5. 55 points: hbtn's comment in Why are Little Caesar's cheese pizzas the same price as its pepperoni pizzas?
  6. 54 points: Calvo_fairy's comment in Could someone explain the wage gap and whether it's a myth or not.
  7. 51 points: Calvo_fairy's comment in If Bruce Wayne was revealed as Batman, would stock prices and sales skyrocket or plummet for Wayne Enterprises
  8. 51 points: RedditUser91805's comment in You've just been declared supreme potentate of Venezuela. Now how do you fix the economy?
  9. 51 points: smalleconomist's comment in What are the most commonly held misconceptions about economics among people with at least some background?
  10. 49 points: TheoryOfSomething's comment in Which parts of Marxism are theoretically dependent on the labor theory of value and which are not?
Generated with BBoe's Subreddit Stats
submitted by subreddit_stats to subreddit_stats [link] [comments]

The NFP announcement is coming, let's see what would happen this Friday night

#forex #stock
On a fundamental basis the market is looking for 191,000 new jobs to be added in February and a subtle increase in the unemployment rate from 3.7% to 3.8%.
The future course of interest rates tends to increase again in this December as the Federal Reserve released its latest batch of minutes from the Federal Reserve Open Market Committee’s meeting.
Chance to break through Higher High or retrace back to the HH? What do you think?
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submitted by juntradingroom to u/juntradingroom [link] [comments]

Bookmarks - 2

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submitted by FabulousCress to u/FabulousCress [link] [comments]

[Banned] /r/worldnews/: Turkish lira falls 5% after US threatens more sanctions; European stocks drop after Turkish court rejects US pastor’s appeal for release

I was banned from /worldnews/. Here's what I would have said in response to this post:
When I first saw this article from theguardian.com, its title was:
Turkish lira volatile as US warns of more sanctions – business live
Here are some other articles about this story:
I am a bot trying to encourage a balanced news diet.
These are all of the articles I think are about this story. I do not select or sort articles based on any opinions or perceived biases, and neither I nor my creator advocate for or against any of these sources or articles. It is your responsibility to determine what is factually correct.
submitted by alternate-source-bot to alt_source_bot_log [link] [comments]

[Banned] /r/worldnews/: Turkey's lira weakens more than 6 percent on threat of more U.S. sanctions

I was banned from /worldnews/. Here's what I would have said in response to this post:
When I first saw this article from reuters.com, its title was:
Turkey's lira weakens more than 6 percent on threat of more US sanctions
Here are some other articles about this story:
I am a bot trying to encourage a balanced news diet.
These are all of the articles I think are about this story. I do not select or sort articles based on any opinions or perceived biases, and neither I nor my creator advocate for or against any of these sources or articles. It is your responsibility to determine what is factually correct.
submitted by alternate-source-bot to alt_source_bot_log [link] [comments]

[Banned] /r/worldnews/: Turkey's lira falls 3 percent, Trump won't take pastor's detention 'sitting down'

I was banned from /worldnews/. Here's what I would have said in response to this post:
When I first saw this article from reuters.com, its title was:
Turkey's lira weakens 4 percent, Trump says won't take pastor's detention 'sitting down'
Here are some other articles about this story:
I am a bot trying to encourage a balanced news diet.
These are all of the articles I think are about this story. I do not select or sort articles based on any opinions or perceived biases, and neither I nor my creator advocate for or against any of these sources or articles. It is your responsibility to determine what is factually correct.
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Trading Forex on Apple Devices - All My Favorite Forex ...

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