Binary options market hours - Conversica

Predict the Market and make 165$ in 1 Hour without Risk #Binary Options

Predict the Market and make 165$ in 1 Hour without Risk #Binary Options submitted by BinaryOptionsForward to BinaryTrain [link] [comments]

Bluehole - Let's talk Wellbia/XINGCOD3 user privacy risks for the sake of transparency

For those who don't know..
XINGCODE-3 is a kernel (ring0) privillege process under xhunter1.sys owned by the Korean company Wellbia (www.wellbia.com). Unlike what people say, Wellbia isn't owned or affiliated with Tencent, however, XINGCOD3 is custom designed contractor for each individual game - mainly operating in the APAC region, many of them owned by Tencent.
XINGCODE-3 is outsourced to companies as a product modified to the specific characteristics of the game. The process runs on the highest privilegied level of the OS upon boot and is infamous for being an essential rootkit - on a malware level, it has the highest vulnerability to be abused should Wellbia or any of the 3rd Party Companies be target of an attack.
It has been heavily dissected by the hacking community as being highly intrusive and reversed engineered (although nowadays still easily bypassable by a skilled and engaged modder by created a custom Win Framework).
While most is true for a standard anti-cheating, users should be aware that XINGCOD3 able to scan the entire user memory cache, calls for DLL's, including physical state API's such as GetAsyncKeyState where it scans for the physical state of hardware peripherals, essentially becoming a hardware keylogger. Studying the long history of reverse engineering of this software has shown that Wellbia heavily collects user data for internal processing in order to create whitelists of processes and strings analyzed by evaluating PE binaries - having full access to your OS it also is known to scan and having access to user file directories and collecting and storing paths of modified files under 48 hours for the sake of detecting possible sources of bypassing.
All this data is ultimately collected by Wellbia to their host severs - also via API calls to Korean servers in order to run services such as whitelists, improve algorithm accuracy and run comparative statistics and analysis based on binaries, strings and common flags.
Usually this is a high risk for any service, including BattleEye, EasyAntiCheat, etc. but what's worrying in Wellbia, thus. Bluehole's are actually a couple of points:
(not to mention you can literally just deny the service from installing, which by itself is already a hilarious facepalm situation and nowhere does the TSL call for an API of the service)
  1. Starting off, Wellbia is a rather small development company with having only one product available on the market for rather small companies, the majority hold by Chinese government and countries where the data handling, human rights and user privacy is heavily disregarded. This makes my tinfoil hat think that the studio's network security isn't as fortified as a Sony which had abused rootkits, just due to budget investment alone. Their website is absolutely atrocious and amateur - and for an international company that deals with international stakeholders and clients it's impressive the amount of poor english, errors and ambiguous information a company has in their presentation website - there's instances where the product name is not even correctly placed in their own EULA - if a company cannot invest even in basic PR and presentation something leaves me a bitter taste that their network security isn't anything better. They can handle user binaries but network security is a completely different work. The fact that hackers are easily able to heartbeat their API network servers leaves me confirming this.
  2. This the most fun one. Wellbia website and terms conditions explicitely say that they're not held accountable should anything happen - terms that you agree and are legally binded to by default by agreeing to Bluehole's terms and conditions:" Limitations of Company Responsibility
  1. IGNCODE3 is a software provided for free to users. Users judge and determine to use services served by software developers and providers, and therefore the company does not have responsibility for results and damages which may have occurred from XIGNCODE3 installation and use.
(the fact that in 1. they can't even care to write properly the name of their product means how little they care about things in general - you can have a look at this whole joke of ToS's that I can probably put more effort in writting it: https://www.wellbia.com/?module=Html&action=SiteComp&sSubNo=5 - so I am sorry if I don't trust where my data goes into)
3) It kinda pisses me that Bluehole adopted this in the midst of the their product got released post-purchase. When I initially bought the product, in nowhere was written that the user operative system data was being collected by a third party company to servers located in APAC (and I'm one of those persons who heavily reads terms and conditions) - and the current ToS's still just touch this topic on the slightest and ambiguously - it does not say which data gets collected, discloses who and where it's hold - "third party" could be literally anyone - a major disrespect for your consumers. I'm kinda of pissed off as when I initially purchase the product in very very early stages of the game I didn't agree for any kernel level data collection to be held abroad without disclosure of what data is actually being collected otherwise it would have been a big No on the purchase. The fact that you change the rules of the game and the terms of conditions in the midst of the product release leaves me with two options Use to Your Terms or Don't Use a product I've already purchased now has no use - both changes ingame and these 3rd party implementations are so different from my initial purchase that I feel like it's the equivalent of purchasing a shower which in the next year is so heavily modified that it decides to be a toilet.
I would really like for you Bluehole to show me the initial terms and conditions to when the game was initially released and offer me a refund once you decided to change the product and terms and conditions midway which I don't agree with but am left empty handed with no choice but to abandon the product - thus making this purchase a service which I used for X months and not a good.
I really wish this topic had more visibility as I know that the majority of users are even in the dark about this whole thing and Valve and new game companies really make an effort in asserting their product's disclosures about data transparency and the limit of how much a product can change to be considered a valid product resembelance upon purchase when curating their games in the future - I literally bought a third person survival shooter and ended up with a rootkit chinese FPS.
Sincerely, a pissed off customer - who unlike the majority is concerned about my data privacy and I wish you're ever held accountable for changing sensitive contract topics such as User Privacy mid-release.
-----
EDIT:
For completely removing it from your system should you wish:

Locate the file Xhunter1.sysThis file is located in this directory: C:\Windows\xhunter1.sys

Remove the Registry Entry (regedit on command prompt)The entry is located here: HKEY_LOCAL_MACHINE > SYSTEM > ControlSet001 > Services > xhunter


For more information about XINGCOD3 and previous succesful abuses which show the malignant potential of the rootkit (kudos to Psychotropos):

- https://x86.re/blog/xigncode3-xhunter1.sys-lpe/
- https://github.com/Psychotropos/xhunter1_privesc
submitted by cosmonauts5512 to PUBATTLEGROUNDS [link] [comments]

The classic WSB story - lost it all.

Going to keep this simple. EDIT: this isn’t simple and I should write a short story on this.
I am generally risk averse. I hate losing $100 at the casino, I hate paying extra for guac at chipotles, I will return something or price match an item for a few dollars of savings. I am generally frugal.
But, I somehow had no issues losing 10k in options...
How I started
I remember my first trades like they were yesterday. I was trading the first hydrogen run-up in 2014 (FCEL, BLDP, PLUG) and made a few hundred dollars over a couple weeks.
I quickly progressed to penny stocks / biotech binary events and general stock market gambling mid-2014. I was making a few % here and there but the trend was down in total account value. I was the king of buying the peak in run-ups. I managed to make it out of 2014 close to break-even to slightly down.
WSB Era
March 2015 was my first option trade. It was an AXP - American Express - monthly option trade. I saw one of the regular option traders/services post a block of 10,000 calls that had been bought for 1.3 and I followed the trade with 10 call options for a total of $1300.
I woke up the next day to an analyst upgrade on AXP and was up 50% on my position. I was addicted! I day-dreamed for days about my AXP over night success. I think around that time there was some sort of Buffet buyout of Heinz and an option trade that was up a ridiculous amount of %%%. I wanted to hit it BIG.
I came up with the idea that all I needed to reach my goal was a few 100% over night gains/ 1k>2k>4k>8k> etc. I convinced myself that I would have no problems being patient for the exact criteria that I had set and worked on some other trades.
Remember, the first win is always free.
I was trading options pretty regularly from March 2015 until August 2016. During my best week I was up 20k and could feel the milli within reach. I can remember the exact option trade (HTZ) and I was trading weeklies on it.
For those who have been in the market long enough, you will remember the huge drawdown of August 2015.
I lost half my account value on QCOM calls (100 of them) that I followed at the beginning of July and never materialized. I watched them eventually go to 0. It was another 10,000 block that was probably a hedge or sold.
In August 2015 there were some issues with China and all of us woke up to stocks gapping down huge. Unfortunately my idea of buying far dated calls during the following days/weeks after the crash went sideways. I quickly learned that an increase in volatility causes a rise in option prices and I was paying a premium for calls that were going to lose value very quickly (the infamous IV crush).
I kept trading options into the end of 2015 and managed to maintain my account value positive but the trading fees for the year amounted to $30,000+. My broker was loving it.
I tried all the services, all the strategies. I created rules for my option plays: 1. No earnings 2. Only follow the big buys at a discount (10,000 blocks or more). 3. No weekly options 4. Take profit right away 5. Take losses quickly 6. etc.
I had a whole note book of option plays that I was writing down and following. I was paying for option services that all of you know about - remember, they make money on the services and not trading.
I even figured out a loop-hole with my broker: if I didn’t have enough money in my account, I could change my ask price to .01 and then change it to market buy and I would only need to accept a warning ⚠️ for the order to go through. I was able to day trade the option and make money, who cares if I didnt have enough? After a few months of this, I got a call from my broker that told me to stop and that I would be suspended if I continued with this.
By the way, I was always able to satisfy the debit on the account - so it wasn’t an issue of lack of funds.
Lost it all. Started taking money from lines of credits, every penny that I earned and losing it quicker and quicker.
I was a full on gambler but I was convinced that 8 trades would offset all the losses. I kept getting drawn in to the idea that I could hit a homerun and make it out a hero.
I eventually hit rock bottom on some weekly expiring FSLR options that I bought hours before expiration and said to myself - what the f are you doing? I resolved to invest for the long term and stop throwing tendies away.
The feeling was reinforced during the birth of my first born and I thought - what a loser this kid will think of me if he knew how much I was gambling and wasting my life. It was a really powerful moment looking at my kid and reflecting on this idea.
I decided at that point I was going to save every penny I had and invest it on new issues with potential.
Fall 2016
TTD, COUP and NTNX IPO ‘ed I decided I was going to throw every dollar at these and did so for the next few months. I eventually started using margin (up to 215%) and buying these for the next 6 months. They paid out and managed to make it over 100k within the year.
The first 100k was hard but once I crossed it, I never fell below this magic number.
2017 - I did some day trading but it was mostly obsessing over the above issues. I did gamble on a few options here and there but never more than 1k.
2018 - SFIX was my big winner, I bought a gap up in June 2018 and my combined account value had crossed 400k by August 2018. I was really struggling at crossing the 500k account value and experienced 3 x 30-40% drawdowns over the next 2 years before I finally crossed the 500k barrier and have never looked back.
I still made some mistakes over the next few months - AKAO & GSUM come to mind. Both of these resulted in 20k+ losses. Fortunately my winners were much bigger than my losers.
I thought about giving up and moving to index funds - but i was doing well - just experiencing large drawdowns because of leverage.
2019 big winners were CRON SWAV STNE.
2017 / 2018 / 2019 all had six digit capital gains on my tax returns.
At the beginning of 2020 I was still day trading on margin (180-220%) and got a call from my broker that they were tightening up my margin as my account was analyzed by the risk department and deemed too risky. Believe it or not this was right before the covid crash. I brought my margin down to 100-110% of account value and even though the drawdown from covid hit hard, I wasn’t wiped out.
I stayed the course and bought FSLY / RH during the big march drawdown and this resulted in some nice gains over the next few months.
I am constantly changing and testing my investment strategy but let me tell you that obsessing over 1 or 2 ideas and throwing every penny at it and holding for a few years is the best strategy. It may not work at some point but right now it does.
I still day trade but I trade with 10k or less on each individual position. It allows me minimize my losses and my winners are 1-7%. I am able to consistently make between 3-700$/ a day on day trades using the above strategy. I still take losses and still dream about hitting it big with an option trade but dont feel the need to put it all on the line every month / week.
I finally crossed into the two , club. I know people are going to ask for proof or ban but I am not earning anything for posting and the details about some of the trades should be proof enough that I kept a detailed journal of it all. I have way more to write but these are the highlights.
Eventually I will share how I build a position in a story I love. I still sell buy and sell to early but I am working on improving.
TL:DR - I gambled, lost it all and gambled some more lost more. I made it out alive. I have only sold calls/puts lately.
The one common denominator in all successful people is how much they obsess over 1 or 2 ideas. Do the same. All the winners on this sub have gone all in on one idea (FSLY / TSLA ). Stick with new stories or ones that are changing and go all in...wait a second, I didnt learn anything.
submitted by jojo2021 to wallstreetbets [link] [comments]

StockChrono watch face rejection

StockChrono watch face rejection

https://preview.redd.it/dydjkt7nuzy51.jpg?width=550&format=pjpg&auto=webp&s=a6f094631520d03acd5bd4f445115671b4a23977
https://preview.redd.it/i0hqwvejfzy51.jpg?width=550&format=pjpg&auto=webp&s=d5ee0c9347cec4d7e9bd970bec2a5e7728bc2d4e
https://preview.redd.it/i51dysdjfzy51.jpg?width=550&format=pjpg&auto=webp&s=81faece5f5b768022390f3e1a5f1f34b72c1d51a
https://preview.redd.it/5a0r0cfjfzy51.jpg?width=1500&format=pjpg&auto=webp&s=80e2a30dca8bd38b747bd903ebceb8c7b5424f5e
https://preview.redd.it/ziqg1fgjfzy51.jpg?width=1500&format=pjpg&auto=webp&s=29966cc82554bedd1e92aeb9d9e0b54350cf0c57
https://preview.redd.it/3xv4soejfzy51.jpg?width=550&format=pjpg&auto=webp&s=89d417c7a7d2ed5e7fd44f1b7d1e55b067d2b7fa
https://preview.redd.it/xrbq8ggjfzy51.jpg?width=1500&format=pjpg&auto=webp&s=10de6eaa336980e2c1c3a64d5865c3bbc5ead4b2

For the second time in a row, my Galaxy Watch face has been rejected by the Galaxy Watch Design review team.
I am quite puzzled why my watch face is rejected, as the only information they provide is "Your application did not meet the criteria for creativity, originality, or attention to detail.".
I myself think that my watch face is quite original, and delivers functionality that I have not seen in any other Galaxy watch face, like:
  • Multiple stock tickers that scrolls across the screen with real-time stock prices. This can becustomized based on user's portfolio
  • A stock market indicator, that shows if the stock market is open or closed
  • An unlimited array of color combinations
  • Multiple themes (The watch face can remember up to 3 different customized themes set up by the user)
  • Full- and minimal theme options
  • Option to automatically change day- and night themes
  • All colors available in AOD mode
  • Option to display leading zero in hour display (a feature requested by many)
  • Full month calendar with customizable week start day
  • Customizable shortcuts that includes Flash Light, Breathing exercises and Workouts
Besides the above original features, the following standard features are available as well:
  • Step counter
  • Distance measurement
  • Heart rate measurement
  • Week number display
  • Dedicated application shortcuts button
  • Direct shortcuts to Calendar and Samsung Health
Even while running multiple functions, the watch face is ultra battery-efficient. The size of thewatch face is less than one MB and uses less battery than the built-in Samsung "Premiumanalogue" watch face.
As the StockChrono watch face has been developed without using Galaxy Watch Studio, I am unfortunately not able to share the watch face easily. If anyony knows a way of distributing a precompiled binary that has not been signed by Samsung, please let me know, and I will happily share the watch face.
It has been a great experience and venture for me to develop the watch face, but unfortunately it all ends here. I will not contribute further to the Samsung Galaxy platform.
All the best to my fellow watch facers out there.

Edit: link to the .tpk file: https://www.dropbox.com/s/cg8w215e3lpn85o/org.virtcore.StockChrono102-1.0.0.tpk?dl=0
submitted by larshove1 to GalaxyWatchFace [link] [comments]

Some Game Balance Thoughts from an Eve Veteran

Hi everyone,
I've been passionate about sandbox games and how they are designed into a functioning coherent environment. I developed most of this passion in Eve and served as a CSM last year. I'm hopeful that DU will be the future of sandbox sci-fi games. I wanted to note down how I think NQ can better some of the game's most important aspects. Some of their staff probably read here too. The forums have this "one idea per thread" rule, so I decided to put them here. Here are some problems, and how I would solve them.
PvP
1) Cube Meta: Need viability for non-cubes.
2) Small vs Big Ships: Need drastic balance.
3) Non-Consensual PvP:
The current non-consensual PvP is very binary and unsustainable. If you can find some people careless enough to go in a direct path between two planets with no radars, you kill them. People will wake up (or they already did) to this very fast, plus warp drives will become abundant, and pretty soon no such PvP will be possible. Meanwhile, if you are a new player with no knowledge and you get caught to pirates like this, you basically have zero options to protect yourself.
Economy
1) There is no need to trade.
2) Resource Hexes are too disposable.
3) No mining robots please.
Overall I have great hopes but also concerns about the game. One major concern/test was whether the server tech will hold. It has improved a lot and that's great news for NQ. The next concern is whether NQ is spread too thin. The game's development was probably too early to commit to a non-wipe environment, and NQ might be underestimating how much it lacks vs an actually functioning ecosystem. Not to mention customer support is pretty nonexistent (god forbid you have a problem that's beyond the Discord staff's abilities). People will get bored of cool looking handcrafted ships pretty fast unless they have meaningful stuff to do in them very soon.
Let's see how things develop.
o7
submitted by Olmeca_Gold to DualUniverse [link] [comments]

Greed is Subtle

The morning alarm woke up Ghen. With an annoyed sigh, he stretched out his arm and silenced the foul-sounding chirps. Slowly sitting up in bed, he let out a deep yawn and got to his feet.
Running a couple of chitinous fingers along his antennae to stimulate them to life, he made his bed and then went to his closet. Today was a work day, so he needed his suit. Once the pants were on, he stretched out his wings so that he could button up the shirt, then relaxing them once all the buttons were secured.
Dressing for the day was done, now for the morning meal. Entering his kitchen, he took out the chilled leftovers of the evening meal last night and popped it into the radiator, first defrosting and then slightly cooking it.
During that process, he also fished out a ceramic cup and placed it in his brewer, serving himself some synthesized caffeine. His idle thought led him to being amused that, when eaten directly off a plant, it has a concentration that could kill him three times over. But after going through some refinement and roasting, all it does is make him hyper.
Once the meal was put together, his plate of heated leftovers and a cup of almost-piping-hot cup of Xia's, he took his time to enjoy it. His communicator vibrated. When he looked, he found it was from his boss.
"Hello?" Ghen answered.
"Ghen, the meeting's been moved up to a few minutes from now." His boss, Xkik, announced. "Apparently higher up has something important they want to say. We have a terminal ready for you, I'll message the login details."
"Wha-, what's so important?" Ghen asked in bewilderment. "Did a water line rupture or something?"
"No, nothing like that." Xkik replied with a slight chuckle. "It's actually about the rumors we've been hearing. That human corporation wanting to acquire us? That's what they're talking about."
Ghen could feel everything inside his thorax drop to the floor. "That must mean it's true then, right? Did we get sold off by the Queen to this company then?"
"Show up to the meeting and you'll get your answer." Xkik said simply. When he finished, Ghen got the notification on his communicator. There's the login details, allowing him to remotely attend the meeting. "They're about to start, hurry up."
Once Xkik disconnected, Ghen worked fast to login and set up the remote viewing. Once everything was done, his screen started transmitting the meeting room. It was already packed. And off by the main board, he saw his answer. There was a human, resting against the wall on his two legs. Standing right in the center of everyone's view was the coordinator, Tizx, watching the clock periodically.
As soon as the meeting's start time was reached, the coordinator began. "Alright everyone. I realize that this was rather short notice, so I want to say how appreciative I am that you made it. Now then, let's just get right to it. For some time now, many of you have been hearing rumors that a human corporation has been interested in us. Why? We never really knew. We're just an organization responsible for finding, extracting and providing water to the colony here all under the direction of the Queen herself. Well, as of now, I have the answer for you. Why don't I let Ryan say that?"
Stepping back, Tizx motioned for the human, Ryan, to take over. With a nod, Ryan practically bounced over and then took the position. "Good morning to you all. I hope my Zazk is passable, heh. Anyways, the answer to those rumors, is yes. Terran Galactic Company is indeed interested in you all. Which now leads to me. I'm here to announce that, effective yesterday evening, this water company is now a subsidiary of Terran Galactic Company, under the name of Zilia Water Delivery."
Many other sub-coordinators broke into hushed conversation, no doubt speaking their thoughts with each other about this move. Ghen could only wonder if this was even a good thing. What will the humans do? Will he still have his job? Will he have to learn how to deal with the ruthless humans?
"Now, I am well aware this is quite the...uh, change." Ryan continued. "That's why I'm happy to inform you that, no, nothing negative or detrimental will happen to you. You just have new people to answer to. Operations will continue as normal, everybody here will still keep their jobs. The only real change any of you will personally experience is that Coordinator Tizx here will now report to someone else. On behalf of the Terran Galactic Company, we are extremely excited and are looking forward to working with you all. Thank you for your time."
A week later.
At least Ryan wasn't lying. After the initial shock wore off, things went back as they normally did. There were no terminations, no reductions in annual pay or anything. Nothing really changed. At least until this new meeting was called. Ghen was at the worksite this time, so he took his seat and watched as, once again, Ryan led the meeting.
"Hello again, everyone!" He said cheerfully, his Zazk noticeably improved. "I hope I didn't end up looking like a liar, right? Everything's still normal, all that?"
All the zazk in the room confirmed, providing comments to their pleasant surprise as well as lingering thoughts.
"Awesome! Awesome." Ryan said jubilantly, his fleshy mouth revealing his bone-white teeth. "Now then, you're probably wondering why I'm here again, right? Well, I got another fantastic piece of news for you all! Two, actually. I'll start with the first: Zilia Water Delivery has just completed its IPO. The company is now publicly traded!"
Ghen and the others voiced their confusion, having no idea what in the name of the Queen Ryan was talking about. What was Ryan talking about? What's an IPO? And why exactly is being publicly traded such a significant thing?
"Oh, you guys don't know any of that?" Ryan asked in surprised confusion. After everybody confirmed, he let out a quick huff as he began his explanation. "Well, to begin, IPO is short for Initial Public Offering. Basically what that means is that, before today, Zilia was privately held. Only certain individuals could buy and sell shares here. But now that we're public? Literally anyone can buy and sell shares in the company, hence us being publicly traded."
"Uh, what's a share?" Ghen asked, still completely lost.
"Oh, boy..." Ryan muttered under his breath before returning to his peppy image. "To simply put it, a share is short for having a share of ownership in a company. When you buy a share, you're buying a piece of ownership, and when you sell, you're selling that amount."
"So wait...if someone buys a share, they're a co-owner then?" One of the other team coordinators asked.
"If they get enough, yeah." Ryan nodded. "You need a lot though, and that really depends on the company. If I had to give an answer though? I'd say usually you need to have a lot more shares than a lot of people combined to be officially a co-owner, but we call that being a majority shareholder."
"And how do we do that?" Ghen asked, now growing curious but still not understanding why such a concept exists.
"Simple. Buy shares." Ryan said simply. "And that leads into the second piece of awesome news. Zilia's corporate has a product in mind, a premium-package of water delivery. Instead of the usual water that you pump out, filter and ensure its potable before delivery, with the premium package, not only will you get that, but you'll also get all of the required nutrients and vitamins the zazk body requires! And they feel you guys have the best expertise and understanding to pull it off! So, here's what we're offering as a good-faith bonus: A 25% increase to your annual salary as well as being given stock options."
Ghen wasn't sure about the second part, but the salary definitely got his attention, as well as everyone else's. Although his job was considered to have a good pay, Ghen isn't going to say no to a higher salary. In fact, he's been focusing his work on getting a promotion so he can come home with even more credits in pocket.
"What do you mean by stock options?" Ghen asked after some time.
Ryan let out that smile again, the one that revealed his teeth. "If you choose to transfer over to the new group, you'll be provided 50,000 shares in Zilia itself. Why's that awesome? Let me walk you through it. Right now, our last closing price per share was 3.02 credits. And if you have 50,000 shares during that time, you're sitting on 151,000 credits, if you cash it out immediately."
"And why shouldn't we?" One of the coordinators demanded in an ambiguous tone.
"Because the price per share changes a lot." Ryan explained promptly. "When we got done with the IPO? It closed at 2.73 a share. Right now? My money's on the closing price being 2.99 a share. However, we are extremely confident in this premium package being successful. If it does? Well, my bet is that the share price will skyrocket to 3.12 a share. If you hold those shares and the price gets to what my bet was? You'll instead get 156,000 credits. Just by holding onto them, you just made an additional 5,000 credits!"
"And what if we have more shares?" Ghen questioned, now getting excited at the prospect of free money.
"Even more money!" Ryan laughed a bit. "And don't forget about dividends, but that's for another time. The premium group is gearing up right now, we just need the workforce. If any of you wants in, I'll be back tomorrow with all the forms needed to make it official. Take the day and tonight to think it over, yeah?"
Everything else melted into a blur. Ghen was practically on autopilot that whole day. Was this the secret to the humans' incredibly massive economy? How so many of them have amassed so much money out of nowhere? All you had to do was just buy this share out of a company and you get more money without even working?
As soon as he got home, Ghen knew what he was going to do during the night. After feverishly looking through the galnet, now having the human race connected to it, he looked and gathered up as many books that were translated into zazk as he could find, all talking about the human economic system. The last time he undertook such an intensive study was during his primary education phase.
And during his search, he even found forums on the galnet that were completely dedicated to the human's economy. All of them talking about strategies on what company, or stock, to pick. How to analyze a company's performance to determine if it was worth the money, or it had potential to grow over time. And that was when he discovered the humans found another method to the extremely simple buying and selling process. There were humans and some other immigrated aliens who made five times what Ghen could receive over a simple month just by watching the share prices during trading hours, and then buying and selling them at the proper times.
Ghen's mind was just absolutely flabbergasted. He thought it was just some strange concept only aliens could make, but no, not with the humans. They've practically made their economy into an art or a science. No, not even their economy. Everything. If humans can see a way to make money off of it, they'll do it. And if there isn't, they'll look for a way.
Healthcare was monetized. Galnet services, transportation, shopping at the store, they even made all of their utilities into profit-oriented companies.
And it was there that Ghen paused, the realization slamming into him. Everything was monetized. Which means, if you don't have the money for it, you're not getting it. Right? Are the humans truly that ruthless? So obsessed with making money? To the point that they're willing to deprive their own people of the absolute necessities if it's a source of credits?
Ghen let out a scoff. There's no way. Nobody is that cruel and callous. He's never been to the United Nations. He can't rely on what a bunch of random people on the galnet says. He decided that from here on out, he'll only go as far as saying that humans are a little obsessed with credits, nothing more.
...
There he was. Ryan, sitting in the office provided to him. And there was a rather large line leading to him. Looks like word got around. Although, the line wasn't as large as he expected it to be. Maybe the others thought it was just a ruse? That there's no such thing as making free money by spending it on such a made-up concept?
Ghen only knows that, if it is a ruse, it's an extremely elaborate one, where all of the humans are in on it. And he believes that's just extremely ridiculous. At the end, if he's unsure, he'll just take the transfer for the very real increase in his very real salary. And although he spent a very good chunk of the night reading up on how humans do things, he's still going to play it smart. He'll leave his 50,000 shares alone and see where it goes from there.
"Good morning sir." Ryan greeted warmly once Ghen took his seat. "Now, name please?"
"Ghen." He answered, barely keeping his nerves down.
"Alright...and what's your position at this location?" Ryan questioned after scribbling on his form.
"I monitor the pumping stations near the extraction sites." Ghen explained, staying on point. "To be more specific, I check to see if they're in need of maintenance, as well as reading the flow rate that's determined by the calculators installed there. If there's too little for what's needed, I pump out more. And if there's too much, I pull it back a little."
"Nice...and how long have you been doing it for?" Ryan complimented with a nod.
"As of tomorrow, ten years." Ghen replied, voice quickly changing to minor awe once he realized that fact.
"Excellent. Do you have anyone in mind you'd like to replace you here?" Ryan questioned after another scribble. "If you don't have anyone, you're free to say so."
Ghen took a moment to think it over. A bunch of names went through his mind, but one stuck with him. "Tilik. He's just been accepted here, but he's learned quickly. Very attentive and he always catches something subtle. I think he'll do really well in my position, even better actually."
"Tilik, really?" Ryan questioned with a little shock, going through his completed forms. Ghen felt a short sense of panic in him. Did something happen, or was Tilik actually transferring? His answer didn't take long to reveal itself. "Right, Tilik was actually one of the first people to want to transfer here. He's actually requested to be part of the testing teams specifically. Do you have a second choice?"
"Um...no, actually." Ghen replied, feeling a little ashamed. "Tilik was my only choice, to be honest."
"Hey, don't worry." Ryan said assuringly with his hands raised. "Nothing wrong with that. Sometimes, there's just nobody up to snuff, right? 'Kay, so, last question. Is there anything specific you'd like to do when given the transfer?"
"If you need someone monitoring new pumps, I'd be happy to do that." Ghen stated.
"So basically same job but with better payoff, am I right?" Ryan grinned. "I hear you. Sometimes, we're just not paid enough for what we're doing. I know I think that sometimes. Uh, our secret, yeah?"
"Yeah, our secret." Ghen nodded, thinking it'd be better to have friendly relations with the human, just in case.
"Awesome. Back on topic, that's it." Ryan announced, placing the form on his pile. "We'll give you a call when you're accepted."
"Oh, uh, that's it?" Ghen questioned with a shrug in shocked surprise.
"What, expecting a question like, why do you want to transfer?" Ryan chuckled a bit as he leaned in his seat. "You can bullshit all you want, but we both know the answer. Sweet money and stock options. Not saying that's a bad answer of course, just that it's pretty obvious."
"I suppose it is." Ghen commented, realizing the point. "Also, you mentioned this...dividend? Is that for Zilia shares?"
Ryan laughed a little bit before nodding. "Yep, announced before I came here. About 0.43 per share. Want to know why that's awesome? Instead of waiting for the proper price to cash out your shares, now? The company pays you for each share you hold."
"A...Are you serious?" Ghen demanded, flabbergasted.
Ryan nodded with his now-trademark grin. "Dead serious. If you get the transfer, and get those 50,000 shares? A little head math...right, if you hold onto those, in addition to your salary, you'll now annually be paid 21,500 credits, if you keep it at 50,000 shares. Only you can decide to sell or buy shares."
Ghen just stood there silent and motionless, no idea of whether to believe it or not, to which Ryan just laughed. Once he walked out of the room, he managed to snap back to reality. Again, just focus on the very real pay-raise. He'll deal with the other parts later.
After he returned to his spot, he spotted Tizx approaching by his desk. The coordinator seems to be as casual as always.
"I saw you in that line a bit ago, Ghen." He said as he leaned on the desk. "Guess you're really taking that human's word?"
"I mean, I don't know about all this share business or what not." Ghen began with a shrug, his tone sounding a little defensive. "But I mean, having a bigger salary? Course I'm going for it when I can. And if all this magic credits turn out to be real? You realize we can live like the royal servants, right? Get the best cars, the nicest food and all that?"
"I'd be very careful, Ghen." Tizx warned in a sudden shift in tone. "Don't trust those humans. The way they just...obsess over money? Come up with more and more insane ways of getting credits? I don't know, it just makes my wings twitch."
"You think this is a bad idea?" Ghen asked with a little surprise at the change-in-demeanor.
"I think you should be careful, with the humans, and with what you're saying." Tizx replied, straightening his posture. "I wouldn't put it past those Earthmen to backstab you if it gets them a few more credits. And we all know how the royal servants get if any of us lowly commoners start thinking we can break into their circle."
"I hear you, I'll be on my guard, promise." Ghen stated with a nod. With a confirming nod of his own, Tizx returned back to his duty, walking past Ghen's desk.
Several weeks later.
Everything became so much better. Ghen got the transfer. He didn't need to relocate to a new residence either. And after he was walked through into learning how to manage his stock account, and seeing that new form of payment in his hands, he already felt as though he made the best decision. But it was only when he decided to take those shares more seriously that he became privy to what he was given. After receiving the dividend payment, and actually seeing it was real, valid credits after transferring it to his main bank account, all he could describe was the most powerful high he ever felt.
While his first thoughts were to buy himself a royalty-class car, some nicer furnishings for his home, or even a better home entirely, he ended up going the smarter route.
After going back to his stock account, he discovered that Zilia's shares rose to about 3.22 credits in price. Knowing that this was the easiest money he could ever make, he took all of his dividend earnings and bought more shares in Zilia, bringing him to owning 56,891.
And from his new regional coordinator, a human named Dylan, tomorrow is the grand release of the premium package. For just a monthly rate of 14.99 credits, the tap water will now include a sizeable portion of all nutrients and vitamins required in the zazk physiology. Still, Ghen has to admit. He's not entirely sure why anybody would want such a thing, if they'd even go for it. But, as long as he's practically swimming in easy credits, he won't pay much attention to it.
And just like when he was intensively studying the basics of how the human economy worked, he barely got any sleep. His mind was constantly thinking about the things he would buy. Or rather, what other stocks to put his credits into. Even now he can still hardly believe it. Just spend your money on some, make-believe thing and, if you wait long enough and picked the right stock, you'll get more than you spent back?
His mind even wandered onto what human colonies, or even their homeworld, Earth, was like. If everybody was making so much money, what kind of things would they offer? What kind of ridiculous service or product or item can you get? He's even debating on joining some forum and just asking around. Explain how he's new to how humans do things and was wondering what he should expect if he's successful.
By the time he felt like he can go to sleep, the binary-stars of the system were rising from the horizon. After getting out of his bed and changing to clean clothes, his mind returned onto what-ifs.
What if he bought better clothes? He's had his eye on that human brand of luxury clothes, Tessuti di Venezia, that's been all the rage amongst the royal servants. Or maybe he can go on vacation and just check out Earth for real?
It was a short ride to his workplace from his home. After getting stuff his stuff and preparing to walk through the doors, he heard the roar of a car grow louder. When he looked, he saw the sleekest and quite possibly the coolest looking car he's ever seen. Each time the engine revved it would startle him, both from how harsh it sounded as well as just how intense it sounded. And after it parked, he saw the doors pop out and then slide along the body back. And there, he saw Tilik, the seat literally turning and extending out a bit before he got off.
As soon as he saw Ghen staring, he struck a rather prideful pose after putting on his lab coat and then sauntered over to Ghen.
"What do you think?" Tilik said, without any doubt inviting praise or compliments.
"D...Did you actually buy that?" Ghen asked, unable to tear his eyes away from the car.
"You're Queens-damn right I did!" Tilik laughed happily. "Thing takes off like a starship, has temperature-controlled seating, all-in-one center console, barely any bouncing on rough roads. Hoof, best decision I've ever made!"
"How much did that thing cost?" Ghen asked after letting out an incredulous laugh.
"Five million credits." Tilik replied, earning an absolutely shocked stare from Ghen. "And thanks to the incredible salary I have, in addition to all these shares and dividends, I'll pay back the credits I borrowed in no time!"
Ghen needed a few moments before he could speak again. "All I've been doing is buying more shares."
Tilik laughed and then patted the now-envious monitor's back. "Smart man. I got a little carried away, yeah, but not anymore. Any spending credits I got, going right back to investing. That's what it's called right, investing?"
"Yeah, it is." Ghen nodded, feeling a fire light up in his thorax. "And also? Today's the day that the premium water thing is being released. Here's hoping it starts out well, right?"
"Oh it will, trust me." Tilik chuckled as they both began making their way inside the workplace. "Lots of research, lots of study. By the Queen, so much of it...it'll make your head spin."
And after hearing that, Ghen had a moment of realization. "Hey, Tilik? How did you get such a nice position anyways? Weren't you just studying under me before the humans came along?"
Tilik let out a sigh after opening the door. "I'll be honest, I never wanted your job. Not because it's boring or terrible, just...I didn't suffer so many sleepless nights in the science academy just to be a glorified button pusher. This is what I've always wanted. Doing science, solving problems rather than just applying the solution, you know?"
"Wait, you got an academic certificate?" Ghen questioned, completely floored. "How did you end up beneath me then? I should've been answering to you!"
"Simple." Tilik gave a heavier sigh. "A royal servant was asking for the same job I was. Take a guess at who got it."
"Ouch. Good thing the humans came along when they did, yeah?" Ghen was taken aback. He never heard anything about a servant taking a job at his place. "Looks like you're proving yourself to be well suited."
"By the Queen, of course I am." Tilik nodded. "Like I said, I nearly broke my wings through so many nights, got certified top of my class, all just to get pushed to the dirt because someone who was born into a particular family wanted the same thing I did? I know I'm smarter than any of those empty-skull servants back in the Center. I know that, whatever, uh...corporate? Yeah, whatever corporate wants out of science, I will xeek give it to them."
"Well, let me know how things go in the lab." Ghen said, admiring his drive as they neared the main office floor. "Because this is where the button pusher needs to go."
Tilik let out a laugh as he nodded. "Hey, how about we meet up at Queen's Fine Eatery tonight. I'll pay, yeah?"
Ghen, at first, wanted to admonish him for choosing such an outrageously expensive place to go. But he quickly realized that, he truly is good for it, thanks to the humans. "Well, hey, if you're paying for it."
...
It was a fantastic opening. After being told what news sites to keep in mind for stocks, he first heard it from Dylan, and then got more detail on Business Today. There was such a massive demand right from the start that Zilia needs to increase extraction just to meet it. But what really got his attention was the effect it had. Zilia Water Delivery's share price just blasted off. After seemingly holding steady at about 3.15, by the time he got home and logged onto his account, it already reached 7.04 a share. The calculator on his account told him that he got a value-gain of 54.26%.
Never in his entire life had he felt such...joy. With all of the shares he currently has? He's sitting at 400,512.64 credits. He knows that it is woefully pathetic compared to what the royal servants have just in their pockets, but the fact that he has such money, just by owning some intangible concept? Why even work at Zilia? Why doesn't he just sit at home, figure out what companies to invest in and make his money that way?
What's even the point in working a real job, getting a pathetic pay when you can just take the money you have, determine where to spend it, and get triple back? All just sitting on your wings at home, researching?
He was so wrapped up in his excited high that he completely forgot he was going to meet Tilik at Queen's. After quickly and haphazardly putting on his nicer clothes, he got to the place only a few minutes late.
Tilik was there by the guide, no doubt having been waiting for him. As soon as he strode up, Tilik's wings stiffned out some. No doubt he must've seen the numbers as well.
"I can see your wings, Ghen." Tilik began with an excited chuckle. "Made some serious credits?"
Ghen let out an incredulous scoff, struggling to find the words for a moment. "Incredible. All I'm going to say."
"Likewise." Tilik chortled some before nodding to the table guide. "All here. Table please?"
"Right this way, sir." The guide said politely. It was a short walk, travelling between round tables. The vast majority were populated by zazk, but Ghen was surprised at seeing a few humans here as well. No doubt corporate workers checking out the local food. He did spot them having bowls filled with some kind of mass. Some were brown, others white with what looks to be black specks on them.
They arrived at their table. A rather nice one, affording a view out the windows into the busy colony streets. Once Tilik and Ghen settled in, the guide handed out the menus.
"May I suggest our rather popular option for tonight?" The guide began. "Human ice-cream. Ingredients sourced from Earth itself. Very cold, but incredibly sweet, and coming in many flavors. The most popular amongst us is called vanilla-bean. The vanilla itself soaks in the cream for much of the process, and then the innards sprinkled on top of it near the end. Rumor has it that the Queen herself has demanded personal shipments of such a treat straight from the home of vanilla, an island on Earth named Madagascar."
Ghen didn't even spare a single thought. "Vanilla bean ice cream then, please."
"Same." Tilik seconded when the guide glanced to him. With a slight bow, the guide proceeded to ferry their orders to the kitchen. Thankfully it was just a short wait before the guide returned, carrying a large plate containing bowls of ice cream. Ghen could feel the saliva on his mandibles as the bowl was placed before them. He could just feel the cold air around that glistening mass of sugary goodness. The white snow decorated with the black dots of vanilla bean.
Once the guide left them, Tilik and Ghen both dived in at the same time. As soon as the ice cream entered his mouth, touched his tongue, he exploded in incomprehensible bliss. The sweetness, the smooth and creamy mass, even the taste of vanilla he wasn't sure about was just absolutely delightful. It was so overwhelming that his entire body limped, slumping in his seat as he was forced to ride on the surging tide of joy and happiness sweeping over him.
Tilik was no different. He too was taken completely by the effects of the ice cream, his wings fluttering some against the seat. Ghen could hear some noise. It was the humans they passed by. They were chuckling, grinning, and glancing over at them discreetly. Unlike the two zazk, the humans seemingly just enjoyed the ice cream as if it was just another nice dessert to them. Or perhaps they couldn't allow themselves to succumb to the high?
And as soon as the wave of indescribable bliss and happiness subsided, Ghen knew. He just knew. This was the life. He wanted this. The ice cream was just the beginning. So many things denied because he didn't have the credits, or worse, not the blood. Because he was just a drone in the great Collective, even if he had the credits, he wasn't allowed because of what caste he was born in. That fire that sparked in him when he saw Tilik's new car? It exploded into a raging firestorm.
And when looking into Tilik's eyes, Ghen could see the same. He was on the same page as Ghen was. Both of them were sold. They have the credits. And the humans? If you can pay for it, they'll never discriminate. All they cared about is if you have the money.
And by the Queen, Ghen and Tilik will endeavor to amass as much credits as physically possible.
The rest of the night faded into a blur. A blur that evokes only one thing. Bliss. It was only when he walked through the door of his pathetic hut that Ghen's mind snapped back to focus. His mandibles felt sticky. And he felt a weight in his stomach. How much ice cream did he eat? Whatever it was, he ate such volume that the lower-section of his throax extended and rounded out, visible even under his shirt. He felt something odd in his pocket. It was a receipt. 43,000 credits for ten bowls of vanilla bean ice cream. Was that ten bowls for both of them? Or individually? Ghen didn't care. He's good for it.
Returning back to his calculator, he acted upon the decision that he had made at that eatery. He's acquiring as many books about investing and stock trading as he could find, frequent and study all the discussions and arguments presented by other like-minded individuals such as he, all to ensure he can live the good life. And he had a very good feeling Tilik was doing the exact same thing.
Well, first, the gurgling in his stomach, as well as the feeling of something rising demanded his attention. Looks like he'll need to take the night off to let his stomach get back to normal.
Three Years Later.
Ghen looked out beyond the horizon, seeing the colony that he grew up in. On the far side was where his old house was. With only a simple robe on, made from the finest silk from Earth's nation-state of China, he relaxed in his seat.
It was a long road. Stockpiling credits from pre-existing investments and from subsequent pays, he and Tilik made it. From having only half a million in assets and cash, now transformed to over eight-hundred million. And now, his call contracts on American Interstellar? They've just announced a breakthrough in their next generation of warp drives, reducing the speed coefficient even further, resulting in far faster travel. And with that, their stock price climbed sharply.
Another hundred million credits in the bank. Soon, very soon, he and Tilik are about to become the galaxy's first zazk billionares. But that's not enough. There are many humans who are billionares. Only those he can count on one hand are considered trillionares. He's going to break into that circle. He and Tilik.
Looking beyond the colony, he saw the abandoned building of the workplace he transferred to when the humans arrived. Turns out, the reason for such a high demand was that the humans also slipped in sugar to the tap water. As soon as that broke, many influential royal servants demanded investigations and outright banning of Terran Galactic Company's influence over the former government division. Zilia's stock price plummeted. But thanks to an advance tip from his human coordinator, Dylan, he and Tilik made a put contract. And that's where they struck gold, as the human saying goes.
Dylan warned that if they were citizens of the United Nations, they'd be investigated and convicted for insider trading. But, since they weren't, and the Collective were only just introduced to capitalism, there's no risk at all. Now the colony is going through a withdrawal phase, Zilia has been dissolved and reformed back as a government division and are currently at work re-establishing the standard, plain water delivery.
"Well, shit." Tilik muttered as he walked up to Ghen's side, taking well to human speech. "Looks like you win. American Interstellar's announcement really was a good thing. There goes a million credits. Ah well, the Royal Shipyards will make it back for me soon."
"Oh? Did they just go corporate?" Ghen asked curiously, glancing to Tilik.
"Hell yeah they did." Tilik chuckled, sitting down. "Queen and her retard servants fought it hard, but Royal Shipyards is now officially a human-style corporation. And, to a surprise to all the xenophobes in the galaxy, they're already being offered contracts for ship production. That'll raise the stock price pretty good."
"What's that human word...?" Ghen muttered, already having a reply in mind. "Dick? Yeah, calls or suck my dick, Tilik."
Tilik roared in laughter. "Already made them. Forty credits a share by this day next month."
"I have half a mind to go thirty." Ghen chuckled. "Either way, until then, I heard from Dylan that he knows a guy who knows several prime human women who happen to be into zazk."
"You're interested in women?" Tilik said as his wings fluttered. "With how often you tell me to suck you off, I'd have thought differently."
"Oh, I always thought it was you who was into men." Ghen responded dryly. "Just wanted to be a good friend, you know? Considering how you never seem to make it past, Hey sweet thing, I'm rich you know."
"Oh, go fuck yourself." Tilik countered with a little laugh. After he stopped, wings stiffened, he looked to Ghen. "So, know any royal servants we can put the squeeze on for more revenue streams?"
"I got just the one." Ghen nodded, sitting up. "Fzik. He's been fighting to control the ice cream trade. Worried it's a corrupting influence. Got done talking with the human CEO of Nestle earlier. If we clear the way, he'll know how to squeeze a little more gains in stock price when he makes the announcement."
Tilik's wings stiffened even more, signaling his approval. "Alright, time to throw some credits around, yeah?"
AN: Sorry for the period of no updates. College is starting up, lots of stuff to clear and work out. Not sure why but I just got a bug up my butt about incorporating money and the stock market into a short. Here it is. Sorry if it seems abrupt, character limit fast approaching. Let me know how you guys think about it!
submitted by SynthoStellar to HFY [link] [comments]

Retard Bot Update 2: What is there to show for six months of work?

Retard Bot Update 2: What is there to show for six months of work?
What is there to show? Not shit, that's why I made this pretty 4K desktop background instead:
4K
On the real: I've been developing this project like 6 months now, what's up? Where's that video update I promised, showing off the Bot Builder? Is an end in sight?
Yes sort of. I back-tested 6 months of data at over 21% on a net SPY-neutral, six month span of time (with similar results on a 16 year span) including 2 bear, 2 bull, 2 crab months. But that's not good enough to be sure / reliable. I had gotten so focused on keeping the project pretty and making a video update that I was putting off major, breaking changes that I needed to make. The best quant fund ever made, the Medallion fund, was once capable of roughly 60% per year consistently, but in Retard Bot's case 1.5% compounded weekly. "But I make 60% on one yolo" sure whatever, can you do it again every year, with 100% of your capital, where failure means losing everything? If you could, you'd be loading your Lambo onto your Yacht right now instead of reading this autistic shit.

The End Goal

1.5% compounded weekly average is $25K -> $57M in 10 years, securing a fairly comfortable retirement for your wife's boyfriend. It's a stupidly ambitious goal. My strategy to pull it off is actually pretty simple. If you look at charts for the best performing stocks over the past 10 years, you'll find that good companies move in the same general trajectory more often than they don't. This means the stock market moves with momentum. I developed a simple equation to conservatively predict good companies movements one week into the future by hand, and made 100%+ returns 3 weeks in a row. Doing the math took time, and I realized a computer could do much more complex math, on every stock, much more efficiently, so I developed a bot and it did 100% for 3 consecutive weeks, buying calls in a bull-market.
See the problem there? The returns were good but they were based on a biased model. The model would pick the most efficient plays on the market if it didn't take a severe downturn. But if it did, the strategy would stop working. I needed to extrapolate my strategy into a multi-model approach that could profit on momentum during all different types of market movement. And so I bought 16 years of option chain data and started studying the concept of momentum based quantitative analysis. As I spent more and more weeks thinking about it, I identified more aspects of the problem and more ways to solve it. But no matter how I might think to design algorithms to fundamentally achieve a quantitative approach, I knew that my arbitrary weights and variables and values and decisions could not possibly be the best ones.

Why Retard Bot Might Work

So I approached the problem from all angles, every conceivable way to glean reliably useful quantitative information about a stock's movement and combine it all into a single outcome of trade decisions, and every variable, every decision, every model was a fluid variable that machine learning, via the process of Evolution could randomly mutate until perfection. And in doing so, I had to fundamentally avoid any method of testing my results that could be based on a bias. For example, just because a strategy back-tests at 40% consistent yearly returns on the past 16 years of market movement doesn't mean it would do so for the next 16 years, since the market could completely end its bull-run and spend the next 16 years falling. Improbable, but for a strategy outcome that can be trusted to perform consistently, we have to assume nothing.
So that's how Retard Bot works. It assumes absolutely nothing about anything that can't be proven as a fundamental, statistical truth. It uses rigorous machine learning to develop fundamental concepts into reliable, fine tuned decision layers that make models which are controlled by a market-environment-aware Genius layer that allocates resources accordingly, and ultimately through a very complex 18 step process of iterative ML produces a top contender through the process of Evolution, avoiding all possible bias. And then it starts over and does it again, and again, continuing for eternity, recording improved models when it discovers them.

The Current Development Phase

Or... That's how it would work, in theory, if my program wasn't severely limited by the inadequate infrastructure I built it with. When I bought 16 years of data, 2TB compressed to its most efficient binary representation, I thought I could use a traditional database like MongoDB to store and load the option chains. It's way too slow. So here's where I've ended up this past week:
It was time to rip off the bandaid and rebuild some performance infrastructure (the database and decision stack) that was seriously holding me back from testing the project properly. Using MongoDB, which has to pack and unpack data up and down the 7 layer OSI model, it took an hour to test one model for one year. I need to test millions of models for 16 years, thousands of times over.
I knew how to do that, so instead of focusing on keeping things stable so I could show you guys some pretty graphs n shit, I broke down the beast and started rebuilding with a pure memory caching approach that will load the options chains thousands of times faster than MongoDB queries. And instead of running one model, one decision layer at a time on the CPU, the new GPU accelerated decision stack design will let me run hundreds of decision layers on millions of models in a handful of milliseconds. Many, many orders of magnitude better performance, and I can finally make the project as powerful as it was supposed to be.
I'm confident that with these upgrades, I'll be able to hit the goal of 60% consistent returns per year. I'll work this goddamn problem for a year if I have to. I have, in the process of trying to become an entrepreneur, planned project after project and given up half way through when it got too hard, or a partner quit, or someone else launched something better. I will not give up on this one, if it takes the rest of the year or five more.
But I don't think it'll come to that. Even with the 20% I've already achieved, if I can demonstrate that in live trading, that's already really good, so there's not really any risk of real failure at this point. But I will, regardless, finish developing the vision I have for Retard Bot and Bidrate Renaissance before I'm satisfied.

Tl;Dr

https://preview.redd.it/0plnnpkw5um51.png?width=3840&format=png&auto=webp&s=338edc893f4faadffabb5418772c9b250f488336
submitted by o_ohi to retard_bot [link] [comments]

OBLIGATORY FILLER MATERIAL – ESCAPE FROM STALAG SULTANATE, Part 1

That reminds me of a story.
“HELLFIRE AND DALMATIANS!” I shouted to no one in particular.
“What’s the problem, dear?” Esme asks in that way she has of telling me to calm down without having to say it directly.
“This bloody fucking country. A day late and several dollars short.” I fume. “Can’t get a new liquor license because of the bloody COVID. Can’t go to a hotel bar and have a snort because of the bloody COVID. Can’t even slip across the border to Dubai and soak up some room service and buckets of complimentary cocktails because of the bloody COVID.”
Yes, the Sultanate of Oman, in its infinitesimal wisdom, has traditionally followed other GCC countries by at least three months in making any sort of proclamations regarding this latest bugaboo: the hideous, deadly, itchy, loathsome, and possibly serially bent, noxious, pandemical COVID-19; aka, this pandemic’s entry for flu.
Their response is one of immense knee-jerk without first having thought of the consequences.
“Bloody lockdown, 2100 to 0700. What is this, the whole fucking country’s been bad and now being sent to bed without any supper?” I wondered aloud. “Idiot benchodes.”
Even Esme couldn’t come up with a rejoinder to that.
“Plus they close all the bars. And all the hotels. And the fucking bottle shops. It’s not enough that these fucking Muppets jack the ‘sin tax’ on booze and cigars by 100%, now they’re not even legally available.” I swore.
Of course, once you’ve spent even a small portion of the time that I have in the Middle East, you have your connections. Your system. Your access to the seedy underbelly of any society; the venerable Black Market.
Jesus Q. Christ on toast with baked beans, fried tomatoes, black pudding, and mushrooms, I could get most anything in the Middle East, be it legal, shady, or just plain illegal. However, before you all recoil in horror that the venerable Dr. Rocknocker dabbles in the prohibited, just remember: the ends always dojustify the means.
“I'm telling you, Esme dear; this Gulf story is getting too complicated. The weasels have started closing in.” I complain to Es as she hands me a fresh drink.
“Do you think…?” Esme asks expectantly.
Esme is more than ready to go. I’ve used this place as a base of operations for years whilst I wear out the Omani legal system suing those asswipes that think just because they’re local and I’m a kafir, they’re immune to the law.
I’ve spent a long, profitable and time-consuming period of the last few years proving them wrong.
But, time was marching onwards. I agreed with Esme, we’ve milked this particular cash cow dry. It was time to hitch up our bootstraps, call it a day, and get the hell out of Dodge.
But not before I took care of a few loose ends.
Now, the country had recently lost its venerable Sultan, who croaked back in January of this year.
Sultan Qaboos was a good egg, friend to expat and local alike. Did a shitload of good for this benighted Middle East sandpit. Dragged it kicking and screaming out of the 12th century into, well, not exactly the 21st, but a whole hell of a lot closer.
He realized that he needed revolutionary, not evolutionary change in the country. By revolutionary, he needed American, British, Canadian, and the like Western Expats here to do the heavy thinking and lifting and Eastern Expats like Indians, Bangladeshis and Nepalese to do all the scut work.
Yeah, I know. That sounds racist as fuck, but sometimes that’s the way the ball bounced.
Simple evolution of society where Omanis graduated the local equivalent of grade school, through high school, into University, and finally into Entry level jobs in the oil and gas industry wasn’t going to cut it. Took too long and the country needed a serious cash flow now.
So, that’s what he did. And it worked a treat.
Then he died.
And his chosen took over.
Except his chosen was pretty much antithetical to everything the previous and very revered and successful, Sultan wanted.
Soon, there are 100% ‘sin taxes’ aimed directly at the western expats. Tourists included.
Then there’s quotas and ‘Letters of No Objection’, which are impossible to get so that the Eastern Expats can’t switch jobs.
Then, there are Sultanic proclamations of new taxes on tourists, new taxes on fast food, new taxes on this, that and the other. Then there’s, in his own words, “Oman is for Omanis”, blatantly ridiculous and xenophobic Omanization, and the general swipe at all expats.
“GET OUT.”
This was the clear message of the new sultan.
He wanted to take over and possibly nationalize all the oil workings in the country.
Ask Venezuela, Iran, and Myanmar how well that worked out for them.
Then he wants all expats out on their asses. He wants Omanis to take over all the jobs, even though they’re nowhere near educated nor experienced enough for the positions. Then take up the massive GDP slack in lower oil production and oil prices with tourism.
Given everything else, that last line should be enough to get him off the throne.
He’s fucking nuts if he thinks people are going to want to cruise or overland anywhere near a place where foreigners are seen only as a cash supply, are despised, and would welcome these all new 100% tax levies.
Be that as it may, Esme and I decided that we have had enough of 135O F summer temperatures, virtual house arrest under the guise of a COVID lockdown, and idiots who were the only ones stupid or twisted enough not to vamoose when the great, big bloody letters were clearly written on the wall.
But, there was the physical act of getting out of the country.
Now, I had plenty of strings which I could pull, but I decided I’d start low and save those until we really needed them.
So low, in fact, we went to the US Embassy in Muscat.
“How low can you go?” reverberated through my head.
What a haven of sad-sacks, flubadubs, and third rate hobbyists.
Was either Esme or I surprised that when we finally secured an invitation to the embassy, that required a bit of string-pulling with the ex-Ambassador to Oman, now in Kabul; that besides the peach-fuzz faced Marine guarding the place, we were the only Americans in the joint?
“This is American soil!” I laughed, as I pulled out a huge Cuban cigar and was immediately told to extinguish it. “We’re as American as apple pie and napalm! We file our fucking 1040s every April; I pay my fucking long-distance taxes and demand US assistance to vacate this gloomy place of sandy, sweaty, sultry Sturm und Drang!”
“Shut up, Rock”, Esme chided me, “They don’t understand English. Much less, the florid English the way you trowel it on.”
“Fuckbuckets”, I remonstrated. “Here I had memorized the whole Patrick Henry speech he made to the Second Virginia Convention on March 23, 1775, at St. John's Church in Richmond, Virginia. Troglodytes. No admiration for the classics.”
“Rock, dear?” Esme noted, “It’s almost 1100 hours. Best to get to our appointment.”
True, our appointment was slated for 1100 hours. But around here, anything starting within three hours of the stated time was considered close enough.
We dragged ourselves, none too cheerfully, to the waiting room. Once we pried open the door, there was the usual “If you hear a high pitched wail, hit the deck” signs, and other things one could do while kissing one’s ass goodbye if there was a terrorist attack, we had a whole new slew of bullshit with which to deal.
“Social distancing. 6 feet. Or if you’re from Baja Canada, 1 cow’s length.”
“Must wear a mask. Bandanna, bandoliers, and large-caliber weapons or sombrero optional.”
“No sitting. Faux Naugahyde seats are too difficult to sterilize. You must stand at attention, do not talk amongst yourselves, and remain patient until your number is called.”
“Well, fuck!”, I snorted quietly, as I raised my first secret flask in rapt attention to our old glory of red, white, and blue.
“Good thing they didn’t say nothin’ about getting a load on. If I’m going to be treated like cattle, I’m going to at least have something to chew on in the process.”
“Oh, lord”, Esme grumbled, “You didn’t bring that Japanese Rye Whiskey with you, did you?”
“ルハイム”, I said, which is Japanese for “L’chaim”!
“Oh, hell”, Esme grinned as she borrowed my flask, “This is going to be a long day.”
I began to protest but remembered that I was wearing my Agency-issued field vest. I must have had at least 5 or 6 more flasks lurking around in those pockets somewhere.
Funny aside: they don’t bother with my going through an X-ray machine nor do they confiscate my phone, radio, knives, nor other field equipment when I go to the US Embassy.
It took them almost two solid hours last time, and by the time they got to my Brunton Compass, emergency flasks, a few spare blasting cap boosters, and saw the label sewn into the back of my vest, they decided they’d just send Rack and Ruin some evil Emails and let me pass unmolested.
“I’ll drink to that”, I say as I raise a flask as the locals raise an eyebrow. “Courtesy of Atheists International. We’re here for your children…”
The collective gasps and growls indicate they weren’t happy with me or my betrothed.
“Don’t care, Buckwheat”, I smiled, “Never did, never will. We’re out of here for good. You can curse my name all you want then. But, then again, why you standing in the American Embassy trying to get a visa to visit the land of the great evil empire?”
All the locals and most of the Eastern Expats crowded into a corner as far away from us as they physically could.
“BOO!” I snickered over a shot of Wild Turkey 101 Rye.
“Now serving number 58! Number 58!” came the call over the tannoy.
“Look at that”, I remarked to Es as I stashed both our flasks, “It’s only 12:35. Record time.”
We both shimmy into the glass-fronted and presumably bullet- but not C-4 resistant- glass.
We pick up the telephones there and acknowledge that we are who we said we were.
The East Indian fella, one Harsh Talavalakar, behind the multiple layers of glass asked us why we were here.
“Didn’t you read the appointment card?” I asked, “We’re here to have Uncle Sam get us passage out of this sordid and sultry place.”
“You are American citizens?” he asked, vacantly.
“That’s what it says on appointment cards and these here blue passports,” I replied.
“Well, how was I to know?” he scoffed, returning to his half-consumed powdered sugar doughnut.
“Maybe read the appointment card and see that we are US Citizens here on the behest of Ambassador Bethesda Orun?” I replied.
“Like I have time to read everything that comes across my desk”, he scoffed again.
I tapped on the glass to make certain I had his full attention.
“Look here, Herr Harsh. I’m not sure how you got this job at the American Consulate but want to be very clear with you. My wife and I are residents of this place for the last 20 years. We’re American citizens of very high standing and have more high powered connections than an Arduino in a nuclear power station. We have direct connections with Langley, Virginia and if you want to retain your cushy job, you’ll put down that fucking doughnut and pay very rapt attention to the two Americans standing here who are getting more and more irritated with some Indian benchode that doesn’t think he has to really do his job. You savvy? You diggin’ me, Beaumont
I guess the benchode got his attention. The two scowls he received from Esme and myself sort of cemented the idea that we’re not too pleased and not with to be trifled.
“Yes, sir?” he said, “And ma’am”, as Harsh quickly corrected himself as the doughnut disappeared.
“We want out. Gone. Vamoose. Outta here. AMF. You got me?” he nods behind the shatterprone glass.
“Now I know the borders are sealed and the airport’s closed, but fuck that. We want out and we want gone for good. I can’t make that much simpler or clearer. Get after it, son.” I said, as seriously as I could.
“Well, sir”, he began, “ The airport’s closed…”
“Are you deaf or born stupid and been losing ground ever since?” I asked, rhetorically. “I know that. We all know that. My HAT knows that. So, what devious little plan does the US Embassy have in store in just such an unsavory situation?”
“Well”, he chokes a bit, “There’s this unofficial lottery where America citizens are issued random numbers and if their number comes up, there are seats made available on special clandestine charter flights.”
Considering that Es and I are some of the last American citizens left in the country, I thought our chances might be pretty good.
“OK”, I said, “Let us have two of your finest numbers.”
“Yes, sir”, he said, “That will be US$500 total.”
“Excuse me?” I said.
“Oh, yes”, he smirked, “US$250 per number. Chances are you’ll never be called, but with these numbers, at least you stand a chance.”
“OK”, I said, “Forget the numbers. I want your name and operating number. I’ve got a report to file that’s due in Virginia before breakfast.”
“Oh, sir”, he smirked more, “I cannot release that information. Thanking you. Now be having a good day.” And he slammed the supposedly bulletproof shield between himself and Es and me.
“Bulletproof? Maybe. Nitro proof? No fucking way.” I groused as I fished out a couple of blasting cap superfast boosters.
“Calm down, dear”, Esme smiled to me as we walked out, “When he wasn’t looking, I took his picture, got his operating number, and full name. In fact, I think I got some information on where he lives…”
In the cab on the way back to our villa, I reviewed and confirmed Es’s subterfuge. Flasks number 6 and 8 needed serious replenishment by the time we arrived home.
“That’s fucking right, Ruin.” I yelled over the phone, “We need extraction. And now. Along with our personal effects and a few hundredweight of ‘don’t ask, don’t tell’ boxes of stuff we need to be transported.”
“Well, Rock”, Agent Ruin replied, “That’s a tall order. Usually, extraction is for one person and the stuff they’re wearing. Tell you what. Let Rack and I work on it for a week or so. We’ll arrange transport of your personal effects, then we’ll see about getting you and Esme to Dubai. At least there, you can order a plane. Hell, knowing you, you’ll get Tony Stark to fly in and provide door to door service. Sit tight. We’ll be back in touch.”
“Good!” I say as I slam the phone down. With these newfangled cellphone telephone instruments, they lack the same sort of satisfying “KER FUCKING CLANG” the old landlines used to have.
“Es!”, I yelled, “Start packing. We’re due out of here within a week.”
That meant we needed to do some packing triage:
• Things going home with us.
• Things being shipped.
• Things being sold.
• Things being left behind.
• Things no one was about to get their furry little mitts on.
“Oh, fuck!”, I startled. I had just remembered the John Wick-ian stash of various explosives, and adjunct materials I had buried in the basement. Obviously, I couldn’t take it home with me, I couldn’t sell it, and I sure as festering frothing fuck wasn’t going to leave it here.
I needed to call one of my more shifty and swarthy friends and arrange for passage out to the deep, dark desert. Around the area where the new sultan had opened a couple of brand new landfills.
Looks like I was going to expand them a few meters once we disposed of the few hundred kilos of accumulation I attained over the last few years.
See, I’m a packrat. I never leave nor toss anything that might be convenient. Might have a benefit. Might prove to be useful sometime down the line.
So, I’ve accumulated a bit of kit.
Like…well…a few hundred sticks of Du Pont 60% Extra Fast Dynamite. A couple dozen spools of Z-4 Primacord, in various degrees of fullness. A shitload of C-4; enough bricks for a Floydian wall. A couple, well, a dozen, well, two dozen cases of binary liquid explosives. Hey, this stuff is hard to come by…
Continuing, several thousand blasting caps and superfast flash blasting cap boosters. Some mercury fulminate. Some nitrogen triiodide. A couple tens of pounds of PETN. An equal amount of RDX. A few Erlenmeyer flasks full of shit even I’m not certain of what it is…
Oh.
And a few kilos of freshly decanted, raw nitroglycerin; packed in sturdy wooden boxes lined with new fuzzy lamb’s wool.
Not that much. Just 10 or 12 kilos.
Yeah. I can’t leave that here. Even a small accident with this stuff would lay waste to not only our villa; but my landlord’s villa with whom we share a common wall.
Besides, as Omanis go, my landlord was the only dishdasha dressed denizen for which I had any respect or admiration. He was a good guy. I needed to return his villa at least in some semblance of what I received when we first rented from him.
So, I had to dispose of many, many billions of kilojoules of potential energy. I needed to do this out in a distant and far away from prying ears and eyes regions and I needed a truck to haul this stuff out to the range.
To be continued…
submitted by Rocknocker to Rocknocker [link] [comments]

Examination of Volatility in 2016

Disclaimer: See the note explaining the volatility figures in the comments.
There’s been a bit of talk about market volatility leading up to the election, so I thought I would provide some historic information about the 2016 election. I’m going to try to keep this apolitical and not make any predictions about the actual election results.
Let’s set up 2016. The election date was November 8, 2016 and the Clinton was the heavy favourite to beat Trump. Forecast-wise things were actually extremely similar to 2020 at this point, but in the last couple weeks leading into the election Trump did make up some significant ground. There was a lot of fear around the market leading up to the election with many suggestions that should Trump win that we would see a correction of 10+% and a run on precious metals.
2016 Polling Timeline: https://i.imgur.com/eiyh0uV.png
The correction arrived, but it was short-lived. S&P Futures hit circuit breakers after-hours, but recovered after Clinton’s concession speech only to open moderately up and end the day up significantly (~4%?). My SPY puts and NUGT calls did not do well.
Let’s look at SPY.
Post-Election $SPY ATM Call Volatility: https://i.imgur.com/C2T6RM8.png
Post-Election $SPY ATM Put Volatility: https://i.imgur.com/iwXhXGV.png
Looking at ATM calls and puts we see that both experienced a run-up in volatility in the weeks leading up into the election. This is to be expected and occurs with any binary or crush-inducing event as implied volatility is a time-weighted metric and pre-crush time is removed in the time leading up to the event is removed from the balance. It would be an interesting and very useful exercise to look at the forward volatility for the November 4 to November 11/18 time period in and observe how much the expected volatility changes, but the data I have available is too imprecise to provide an accurate picture of the volatility surface.
If we take a quick look at puts expiring Friday before the election, we don’t see a significant change in the implied volatility.
Pre-Election $SPY ATM Put Volatility: https://i.imgur.com/Knje4gK.png
I’m not going to speak much to it, but we saw similar volatility changes in ATM $GLD options in the lead-up to the election.
Post-Election $GLD ATM Call Volatility: https://i.imgur.com/iGcsrUQ.png
Post-Election $GLD ATM Put Volatility: https://i.imgur.com/Sp8kX4A.png
The two sectors that I regret not-trading the most last time around were health care and private prisons. The private prisons sector doesn’t have the liquidity to give a decent picture of the volatility, but with healthcare we can.
Post-Election $XBI ATM Call Price History: https://i.imgur.com/U1UMARA.png
Post-Election $XBI ATM Call Volatility: https://i.imgur.com/xUYItnv.png
So how does 2020 compare?
Coronavirus has thrown the market into an abnormal volatility landscape this year. Simultaneously while the current win/loss probability for Biden/Trump is very similar to what we saw in 2016, the way that we’ve got there is very different. Biden has been the significant betting favourite throughout the entire campaign and Trump’s old playbook doesn’t seem to be working as well with swing-state voters this time around.
2020 Polling Timeline: https://i.imgur.com/MoKOQcJ.png
2020 Full-Year $SPY 350C Volatility: https://i.imgur.com/mRl69UM.png
Even with the currently elevated volatility, we should still expect to see the it tick up on options leading into the election as with all other crush-type events.
submitted by moneyonfireapp to options [link] [comments]

Forex Signals Reddit: top providers review (part 1)

Forex Signals Reddit: top providers review (part 1)

Forex Signals - TOP Best Services. Checked!

To invest in the financial markets, we must acquire good tools that help us carry out our operations in the best possible way. In this sense, we always talk about the importance of brokers, however, signal systems must also be taken into account.
The platforms that offer signals to invest in forex provide us with alerts that will help us in a significant way to be able to carry out successful operations.
For this reason, we are going to tell you about the importance of these alerts in relation to the trading we carry out, because, without a doubt, this type of system will provide us with very good information to invest at the right time and in the best assets in the different markets. financial
Within this context, we will focus on Forex signals, since it is the most important market in the world, since in it, multiple transactions are carried out on a daily basis, hence the importance of having an alert system that offers us all the necessary data to invest in currencies.
Also, as we all already know, cryptocurrencies have become a very popular alternative to investing in traditional currencies. Therefore, some trading services/tools have emerged that help us to carry out successful operations in this particular market.
In the following points, we will detail everything you need to know to start operating in the financial markets using trading signals: what are signals, how do they work, because they are a very powerful help, etc. Let's go there!

What are Forex Trading Signals?

https://preview.redd.it/vjdnt1qrpny51.jpg?width=640&format=pjpg&auto=webp&s=bc541fc996701e5b4dd940abed610b59456a5625
Before explaining the importance of Forex signals, let's start by making a small note so that we know what exactly these alerts are.
Thus, we will know that the signals on the currency market are received by traders to know all the information that concerns Forex, both for assets and for the market itself.
These alerts allow us to know the movements that occur in the Forex market and the changes that occur in the different currency pairs. But the great advantage that this type of system gives us is that they provide us with the necessary information, to know when is the right time to carry out our investments.
In other words, through these signals, we will know the opportunities that are presented in the market and we will be able to carry out operations that can become quite profitable.
Profitability is precisely another of the fundamental aspects that must be taken into account when we talk about Forex signals since the vast majority of these alerts offer fairly reliable data on assets. Similarly, these signals can also provide us with recommendations or advice to make our operations more successful.

»Purpose: predict movements to carry out Profitable Operations

In short, Forex signal systems aim to predict the behavior that the different assets that are in the market will present and this is achieved thanks to new technologies, the creation of specialized software, and of course, the work of financial experts.
In addition, it must also be borne in mind that the reliability of these alerts largely lies in the fact that they are prepared by financial professionals. So they turn out to be a perfect tool so that our investments can bring us a greater number of benefits.

The best signal services today

We are going to tell you about the 3 main alert system services that we currently have on the market. There are many more, but I can assure these are not scams and are reliable. Of course, not 100% of trades will be a winner, so please make sure you apply proper money management and risk management system.

1. 1000pipbuilder (top choice)

Fast track your success and follow the high-performance Forex signals from 1000pip Builder. These Forex signals are rated 5 stars on Investing.com, so you can follow every signal with confidence. All signals are sent by a professional trader with over 10 years investment experience. This is a unique opportunity to see with your own eyes how a professional Forex trader trades the markets.
The 1000pip Builder Membership is ordinarily a signal service for Forex trading. You will get all the facts you need to successfully comply with the trading signals, set your stop loss and take earnings as well as additional techniques and techniques!
You will get easy to use trading indicators for Forex Trades, including your entry, stop loss and take profit. Overall, the earnings target per months is 350 Pips, depending on your funding this can be a high profit per month! (In fact, there is by no means a guarantee, but the past months had been all between 600 – 1000 Pips).
>>>Know more about 1000pipbuilder
Your 1000pip builder membership gives you all in hand you want to start trading Forex with success. Read the directions and wait for the first signals. You can trade them inside your demo account first, so you can take a look at the performance before you make investments real money!
Features:
  • Free Trial
  • Forex signals sent by email and SMS
  • Entry price, take profit and stop loss provided
  • Suitable for all time zones (signals sent over 24 hours)
  • MyFXBook verified performance
  • 10 years of investment experience
  • Target 300-400 pips per month
Pricing:
https://preview.redd.it/zjc10xx6ony51.png?width=668&format=png&auto=webp&s=9b0eac95f8b584dc0cdb62503e851d7036c0232b
VISIT 1000ipbuilder here

2. DDMarkets

Digital Derivatives Markets (DDMarkets) have been providing trade alert offerings since May 2014 - fully documenting their change ideas in an open and transparent manner.
September 2020 performance report for DD Markets.
Their manner is simple: carry out extensive research, share their evaluation and then deliver a trading sign when triggered. Once issued, daily updates on the trade are despatched to members via email.
It's essential to note that DDMarkets do not tolerate floating in an open drawdown in an effort to earnings at any cost - a common method used by less professional providers to 'fudge' performance statistics.
Verified Statistics: Not independently verified.
Price: plans from $74.40 per month.
Year Founded: 2014
Suitable for Beginners: Yes, (includes handy to follow trade analysis)
VISIT
-------

3. JKonFX

If you are looking or a forex signal service with a reliable (and profitable) music record you can't go previous Joel Kruger and the team at JKonFX.
Trading performance file for JKonFX.
Joel has delivered a reputable +59.18% journal performance for 2016, imparting real-time technical and fundamental insights, in an extremely obvious manner, to their 30,000+ subscriber base. Considered a low-frequency trader, alerts are only a small phase of the overall JKonFX subscription. If you're searching for hundreds of signals, you may want to consider other options.
Verified Statistics: Not independently verified.
Price: plans from $30 per month.
Year Founded: 2014
Suitable for Beginners: Yes, (includes convenient to follow videos updates).
VISIT

The importance of signals to invest in Forex

Once we have known what Forex signals are, we must comment on the importance of these alerts in relation to our operations.
As we have already told you in the previous paragraph, having a system of signals to be able to invest is quite advantageous, since, through these alerts, we will obtain quality information so that our operations end up being a true success.

»Use of signals for beginners and experts

In this sense, we have to say that one of the main advantages of Forex signals is that they can be used by both beginners and trading professionals.
As many as others can benefit from using a trading signal system because the more information and resources we have in our hands. The greater probability of success we will have. Let's see how beginners and experts can take advantage of alerts:
  • Beginners: for inexperienced these alerts become even more important since they will thus have an additional tool that will guide them to carry out all operations in the Forex market.
  • Professionals: In the same way, professionals are also recommended to make use of these alerts, so they have adequate information to continue bringing their investments to fruition.
Now that we know that both beginners and experts can use forex signals to invest, let's see what other advantages they have.

»Trading automation

When we dedicate ourselves to working in the financial world, none of us can spend 24 hours in front of the computer waiting to perform the perfect operation, it is impossible.
That is why Forex signals are important, because, in order to carry out our investments, all we will have to do is wait for those signals to arrive, be attentive to all the alerts we receive, and thus, operate at the right time according to the opportunities that have arisen.
It is fantastic to have a tool like this one that makes our work easier in this regard.

»Carry out profitable Forex operations

These signals are also important, because the vast majority of them are usually quite profitable, for this reason, we must get an alert system that provides us with accurate information so that our operations can bring us great benefits.
But in addition, these Forex signals have an added value and that is that they are very easy to understand, therefore, we will have a very useful tool at hand that will not be complicated and will end up being a very beneficial weapon for us.

»Decision support analysis

A system of currency market signals is also very important because it will help us to make our subsequent decisions.
We cannot forget that, to carry out any type of operation in this market, previously, we must meditate well and know the exact moment when we will know that our investments are going to bring us profits .
Therefore, all the information provided by these alerts will be a fantastic basis for future operations that we are going to carry out.

»Trading Signals made by professionals

Finally, we have to recall the idea that these signals are made by the best professionals. Financial experts who know perfectly how to analyze the movements that occur in the market and changes in prices.
Hence the importance of alerts, since they are very reliable and are presented as a necessary tool to operate in Forex and that our operations are as profitable as possible.

What should a signal provider be like?

https://preview.redd.it/j0ne51jypny51.png?width=640&format=png&auto=webp&s=5578ff4c42bd63d5b6950fc6401a5be94b97aa7f
As you have seen, Forex signal systems are really important for our operations to bring us many benefits. For this reason, at present, there are multiple platforms that offer us these financial services so that investing in currencies is very simple and fast.
Before telling you about the main services that we currently have available in the market, it is recommended that you know what are the main characteristics that a good signal provider should have, so that, at the time of your choice, you are clear that you have selected one of the best systems.

»Must send us information on the main currency pairs

In this sense, one of the first things we have to comment on is that a good signal provider, at a minimum, must send us alerts that offer us information about the 6 main currencies, in this case, we refer to the euro, dollar, The pound, the yen, the Swiss franc, and the Canadian dollar.
Of course, the data you provide us will be related to the pairs that make up all these currencies. Although we can also find systems that offer us information about other minorities, but as we have said, at a minimum, we must know these 6.

»Trading tools to operate better

Likewise, signal providers must also provide us with a large number of tools so that we can learn more about the Forex market.
We refer, for example, to technical analysis above all, which will help us to develop our own strategies to be able to operate in this market.
These analyzes are always prepared by professionals and study, mainly, the assets that we have available to invest.

»Different Forex signals reception channels

They must also make available to us different ways through which they will send us the Forex signals, the usual thing is that we can acquire them through the platform's website, or by a text message and even through our email.
In addition, it is recommended that the signal system we choose sends us a large number of alerts throughout the day, in order to have a wide range of possibilities.

»Free account and customer service

Other aspects that we must take into account to choose a good signal provider is whether we have the option of receiving, for a limited time, alerts for free or the profitability of the signals they emit to us.
Similarly, a final aspect that we must emphasize is that a good signal system must also have excellent customer service, which is available to us 24 hours a day and that we can contact them at through an email, a phone number, or a live chat, for greater immediacy.
Well, having said all this, in our last section we are going to tell you which are the best services currently on the market. That is, the most suitable Forex signal platforms to be able to work with them and carry out good operations. In this case, we will talk about ForexPro Signals, 365 Signals and Binary Signals.

Forex Signals Reddit: conclusion

To be able to invest properly in the Forex market, it is convenient that we get a signal system that provides us with all the necessary information about this market. It must be remembered that Forex is a very volatile market and therefore, many movements tend to occur quickly.
Asset prices can change in a matter of seconds, hence the importance of having a system that helps us analyze the market and thus know, what is the right time for us to start operating.
Therefore, although there are currently many signal systems that can offer us good services, the three that we have mentioned above are the ones that are best valued by users, which is why they are the best signal providers that we can choose to carry out. our investments.
Most of these alerts are quite profitable and in addition, these systems usually emit a large number of signals per day with full guarantees. For all this, SignalsForexPro, Signals365, or SignalsBinary are presented as fundamental tools so that we can obtain a greater number of benefits when we carry out our operations in the currency market.
submitted by kayakero to makemoneyforexreddit [link] [comments]

Student Loan Default: The Guide (ReUploaded)

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

Student Loan Default: The Guide (reuploaded)

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

r/pharmacy 2020 demographics survey results!

The pharmacy 2020 demographics survey results are here! There were 258 respondents this year. Please note that the numbers will not necessarily add up to 100%, since all questions were optional. Sorry in advance for the crappy Excel graphs.
Location
Most respondents hailed from the US (233; 90.3%), followed by Canada (10; 3.9%), United Kingdom (8; 3.1%), New Zealand (2; 0.8%), and 1 respondent each from Australia, Indonesia, Slovakia, Sweden, and Taiwan.
Of the 233 Americans, the top 3 states were California (20; 8.6%), Pennsylvania (18; 7.7%), and Texas (18; 7.7%).
The 10 Canadians were from Ontario (5; 50%), British Columbia (2; 20%), Alberta (1; 10%), Nova Scotia (1; 10%), and Quebec (1; 10%).
Demographics
Of the 258 respondents, 130 (50.4%) identified as female, 123 (47.7%) as male, and 3 (1.2%) as non-binary.
Age distribution is shown in the below table. A few statistics: minimum 19, maximum 68, mean 29.0, median 28, mode 26.
https://preview.redd.it/qxyxs2sj09c51.png?width=554&format=png&auto=webp&s=202bef88a53fa8596182435590ba9de8eb3646c9
In terms of race/ethnicity, the categories from most to least common were as follows: white (156; 60.5%), Asian (55; 21.3%), 2 or more races (11; 4.3%), black (9; 3.5%), Hispanic or Latino (8; 3.1%), Indian subcontinent (6; 2.3%), Arab (4; 1.6%), Native American or American Indian (2; 0.8%), and Armenian (1; 0.4%).
General employment questions
Of the 258 respondents, 169 (65.5%) were pharmacists, 55 (21.3%) were pharmacy students, 22 (8.5%) were non-pharmacist staff, and 8 (3.1%) were pre-pharmacy students. There were also 1 each of the following: corporate pharmacy compliance, pharmacy wholesaler, pharmacology student, and other healthcare professional.
Most respondents (169; 65.5%) were employed full time (defined as > 30 hours/week), while 19 (7.4%) were employed part time. 49 respondents (19.0%) were full time students (not necessarily in pharmacy), 13 (5.0%) were unemployed, 4 (1.6%) worked outside of the field of pharmacy, 2 (0.8%) were self-employed, 1 (0.4%) was retired, and 1 (0.4%) was consulting/contracting.
There was a nearly equal split between respondents working in suburban (99; 38.4%) vs. urban (97; 37.6%) locations, followed by 21 (8.1%) in rural locations and 15 (5.8%) working remotely (apologies - I should have made this question/response more clear, but based on a jump compared to last year's survey, I think people working from home temporarily due to COVID-19 may have chosen this option).
A pie chart of primary place of employment is shown below, with the top 7 responses shown in the legend: community/retail (136; 52.7%), hospital including outpatient (48; 18.6%), pharmaceutical industry including CROs (11; 4.3%), mail ordespecialty/home infusion (9; 3.5%), unemployed (8; 3.1%), long-term care/hospice (8; 3.1%), and ambulatory care (5; 1.9%). Please note that the unemployed category includes non-working full time students.
https://preview.redd.it/csyipt0hs9c51.png?width=297&format=png&auto=webp&s=3b91337feb634a61730ccfbdd09aa8a0fdda6d7a
A small proportion (42; 16.3%) of respondents reported having a second job. Of these, the most common fields of employment were: hospital including outpatient (10; 23.8%), community/retail (8; 19.0%), and self employment/side hustle (7; 16.7%).
Salary
For the following charts, I only included those working full time. Below is a histogram for full time pharmacist salary worldwide, as well as a table showing some stats for global, US, and ex-US salaries.
https://preview.redd.it/n16j31x1v9c51.png?width=447&format=png&auto=webp&s=624581f5b94c917c417ac39da92cf9eb4c77130c
Global (139 responses) US (130 responses) Ex-US (9 responses)
Minimum $11,000 $11,000 $43,050
Maximum $300,000 $300,000 $230,000
Mean $116,284 $118,909 $78,375
Median $120,000 $120,961 $63,000
Below is the histogram for full time non-pharmacist staff worldwide. There was only 1 ex-US respondent, so I didn't separate out the stats. Here they are: minimum $15,000; maximum $72,000; mean $37,767; median $37,000.
https://preview.redd.it/q2w4f7t5y9c51.png?width=384&format=png&auto=webp&s=300c4992413830cb45befa7ffa9e24e9d5c2370d
Community/retail pharmacy
The pie chart shown below shows the breakdown of pharmacy type for the 136 respondents working in community/retail pharmacy. I'm not exactly sure what Genoa means, so I left that one as is.
https://preview.redd.it/begscv9fz9c51.png?width=288&format=png&auto=webp&s=c22e8ba0797ef1829bb9f0b30db9351b059a3264
Roles within community/retail pharmacy are displayed below.
https://preview.redd.it/l6l3w94zz9c51.png?width=265&format=png&auto=webp&s=ff10c40fd56bc3334762c06a5e6dc4e61a1004d8
The pie chart below displays responses regarding the impact of COVID-19 on hours/salary.
https://preview.redd.it/ugvcv06fbac51.png?width=276&format=png&auto=webp&s=60e055f753ed52c69220fb00e8ef817672804ebd
Hospital pharmacy (including outpatient)
There were 48 respondents working in hospital pharmacy. Bed count at their institutions is shown in the graph below.
https://preview.redd.it/1mv5r0ne1ac51.png?width=382&format=png&auto=webp&s=f46fa5df7be0c5b7d24603a218043fe4cb92f1bd
Roles within hospital pharmacy are displayed below.
https://preview.redd.it/4a3xewk72ac51.png?width=280&format=png&auto=webp&s=9d9a2dbd99882673300ad51e43808d90eb35d8a4
Of the 38 hospital pharmacists, 13 (34.2%) had completed a residency, and 5 (13.2%) were currently completing a residency. The remainder (20; 52.6%) were not pursuing nor had ever completed a residency.
The top 3 clinical specialties were ambulatory care, emergency medicine, and oncology (3 respondents each). Note that it was possible to choose more than 1 specialty.
The pie chart below displays responses regarding the impact of COVID-19 on hours/salary.
https://preview.redd.it/b9pj5l3sbac51.png?width=278&format=png&auto=webp&s=b0478e7ea600140253b9dc53066210412967d4cd
Pharmaceutical industry (including CROs)
Eleven respondents (4.3%) reported working in the pharmaceutical industry. The breakdown by department is shown in the table below.
Department Number of Respondents
Drug Safety and Risk Management/Pharmacovigilance 2
Medical Communications/Education/Information 2
Regulatory Affairs 2
Clinical Pharmacology/Pharmacokinetics 1
Clinical Research & Development (including Clinical Operations) 1
Formulation 1
Marketing/Business Analytics 1
Medical Science Liaison 1
The breakdown by level was as follows: PharmD Fellow (3; 27.3%), Associate/Specialist (6; 54.5%), ManageSupervisor (1; 9.1%), Director (1; 9.1%). Five respondents had completed or were currently completing a fellowship. Four of these 5 provided their salaries during their fellowships, with an average of $50,000.
Pharmacy and pre-pharmacy students
There were 63 respondents (24.4%) who reported being pharmacy or pre-pharmacy students. Of these, the top 3 desired fields upon graduation were: hospital including residencies (16; 25.4%), undecided (13; 20.6%), and community/retail (11; 17.5%).
These 63 students attended (or planned to attend) 45 different schools worldwide. The 5 most common schools reported were as follows: University of Toronto (3; 4.8%), Feik School of Pharmacy (2; 3.2%), Ohio State University (2; 3.2%), Temple University (2; 3.2%), and University of Colorado (2; 3.2%).
The breakdown by year was as follows: undergraduate/pre-pharmacy (8; 12.7%), PY1 (4; 6.3%), PY2 (18; 28.6%), PY3 (16; 25.4%), and PY4 (13; 20.6%). Of the 13 PY4 students, 2 reported having a job lined up after graduation, both in community/retail.
Most students (45; 71.4%) were working in a pharmacy setting while in school. Stats for the number of hours worked weekly were as follows: minimum 3; maximum 34; mean 15.8; median 15. The most common duties interns were authorized to perform at their jobs were counseling patients (38; 84.4%), administering immunizations (24; 53.3%), and product verification (17; 37.8%). Note that interns could choose more than 1 option.
Of the 63 students, 36 (57.1%) reported that they would choose to attend pharmacy school again if they could go back in time, knowing what they know now. Sixteen students (25.4%) reported that they would decide on a different career path, and 5 (7.9%) were unsure.
Following pharmacy school, some students were considering pursuing the following degrees (top 3 listed): MPH (6; 9.5%), MD (4; 6.3%), and MBA (3; 4.8%).
Results from additional questions are shown in chart form below.
https://preview.redd.it/mls7e2139ac51.png?width=480&format=png&auto=webp&s=5db3ec80fd6e1934c787941278b7b755ad802a45
https://preview.redd.it/p9p44ifm9ac51.png?width=480&format=png&auto=webp&s=faf04b54ed228cc0cf110d06ed27bfd524ba894f
https://preview.redd.it/8p7qq205aac51.png?width=464&format=png&auto=webp&s=ae5d53c284cd86ff787498dad58c4d625ae2afb1
Pharmacists
There were 169 pharmacists, from 91 different pharmacy schools. The most common alma maters were Rutgers University Ernest Mario School of Pharmacy (RU RAH RAH!!) with 6 respondents (3.6%), University of Pittsburgh with 5 respondents (3.0%), and the following 5 schools with 4 respondents each: Northeastern University, Ohio Northern University, University of Colorado, University of Georgia, and University of Kansas.
Most pharmacists (152; 89.9%) were currently practicing pharmacy. Five (3.0%) had practiced in the past but were no longer practicing, and 10 (5.9%) had never practiced after graduating. Of those currently practicing pharmacy, the statistics on the number of years in practice were as follows: minimum 0.1; maximum 35; mean 4.8; and median 3.
Nearly half of pharmacists (75; 49.3%) said they would choose a different career path if they could go back in time, knowing what they know now, while 71 pharmacists (46.7%) said they would still choose to pursue pharmacy.
Local practice standards
About half of pharmacists (84; 55.3%) reported administering (or being allowed to administer) many types of immunizations, while 3 (2.0%) reported that pharmacists were not allowed in their location. A further 63 pharmacists (41.4%) did not administer immunizations simply because it was not part of their job description (eg, hospital inpatient).
Regarding therapeutic interchange for non-controlled prescriptions, 63 pharmacists (41.4%) reporting being authorized to update a prescription only after consulting the prescriber. An additional 43 pharmacists (28.3%) were allowed to update a prescription as long as the prescriber was notified afterwards (ie, without prior permission), and 8 pharmacists (5.3%) were allowed per institutional protocol or collaborative practice agreement. Twenty-four pharmacists (15.8%) reported that a new prescription would be required and that no updates by the pharmacist were allowed.
For controlled prescriptions, 24 pharmacists (15.8%) reported being allowed to change any/all elements of the prescription following consultation with the prescriber, and 4 pharmacists (2.6%) were allowed per institutional protocol or collaborative practice agreement. Sixty-six pharmacists (43.4%) were allowed to change certain (but not all) elements, while 40 (26.3%) could not change any part of a controlled prescription and required the prescriber to issue a new one.
Regarding pharmacist prescribing, most pharmacists (110; 72.4%) were not allowed to prescribe medications. Nineteen pharmacists (12.5%) could prescribe for certain health conditions, 3 (2.0%) could prescribe for any health condition, and 2 (1.3%) could prescribe per institutional protocol or collaborative practice agreement.
Results from additional questions are shown in chart form below.
https://preview.redd.it/9q4wjmmg3bc51.png?width=281&format=png&auto=webp&s=cf2ec43db13f3fcbe4cb398b1c39808389f54572
https://preview.redd.it/945u7beklac51.png?width=480&format=png&auto=webp&s=e74267ca8c2d56dd0c7fc42497df2f0d42f14a3a
https://preview.redd.it/yyd7su4tlac51.png?width=480&format=png&auto=webp&s=86e12e31c5de3b91a615add5dd28055f881beddc
https://preview.redd.it/tk2msh41mac51.png?width=480&format=png&auto=webp&s=c091747118370117d3ecf35a8e9bffd54ac02805
https://preview.redd.it/9njkd9vemac51.png?width=346&format=png&auto=webp&s=ffe54bfc9ae206295f7e81685a361357c14a625a
https://preview.redd.it/mywjx5nwmac51.png?width=444&format=png&auto=webp&s=1eb695e764c2bf7c1ffbfddd947fc297eed4f8ea
Pharmacy residents
Of the 169 pharmacists, 31 (18.3%) had completed or were currently completing a pharmacy residency. Of those, there were 6 current PGY-1 residents and 1 current PGY-2 resident.
Of the 24 pharmacists who had completed their PGY-1 residencies, most (18; 75%) did rotational programs without a specific focus. The remaining 6 pharmacists specialized in the following areas during their PGY-1: ambulatory care (2; 8.3%), community pharmacy (1; 4.2%), managed care (1; 4.2%), pediatrics (1; 4.2%), and pharmacotherapy (1; 4.2%). Stats on their PGY-1 salaries were as follows: minimum $33,000; maximum $60,000; mean $44,325; median $45,000. These PGY-1 residencies were done primarily in an urban setting (18; 75%), followed by suburban (3; 12.5%) and rural (2; 8.3%).
Of the 11 pharmacists who had completed their PGY-2 residencies, the specialties included: ambulatory care (3; 27.3%), psychiatry (2; 18.2%), and 1 each of administration, critical care, emergency medicine, infectious disease, oncology, and pharmacotherapy (9.1% each). Stats on their PGY-2 salaries were as follows: minimum $35,000; maximum $51,000; mean $45,625; median $46,500. These PGY-2 residencies were done almost equally in urban (6; 54.5%) and suburban (5; 45.5%) settings.
The 6 current PGY-1 residents had the following plans immediately following their PGY-1: inpatient staff pharmacist (2; 33.3%), PGY-2 residency (2; 33.3%), inpatient clinical specialty pharmacist (1; 16.7%), and non-practicing pharmacist (1; 16.7%).
Of those who had completed their residencies, their roles immediately afterward are listed in the table below.
Role Number of Respondents
Inpatient staff pharmacist 8
Inpatient clinical specialty pharmacist 6
Ambulatory care pharmacist 4
Unemployed 2
Outpatient pharmacist (eg, retail, mail order, long term care) 1
Stopped practicing but remained in the field of pharmacy (eg, industry) 1
Industry fellowship 1
Drug information pharmacist 1
Pharmacy organizations
This question was directed toward American respondents. There were 96 respondents who reported being currently active members of an association, the most common of which were ASHP (39; 40.6%), APhA (38; 39.6%), and a local/state pharmacy association (29; 30.2%).
There were 35 respondents who reported previously being members of an association, the most common of which were APhA (25; 71.4%), ASHP (15; 42.9%), and a local/state pharmacy association (13; 37.1%).
Final comments
Thanks again to everyone who took the survey, and especially those who provided feedback!
I totally acknowledge that the survey is very US-centric, and for that I apologize. I did take some feedback from some people in this subreddit, but if anyone ex-US wants to provide feedback for any future surveys, I'm happy to speak with you offline about it.
The same also goes for anyone in a "niche" field such as long-term care, ambulatory care, managed care, etc. I'm happy to add in new sections or questions for those fields - it's just that I have no idea what to ask, having no experience in those areas.
There are probably a few questions whose answers aren't reflected here mainly because this is long enough already, but if you have any questions (eg, what's the average salary for a hospital pharmacist in a suburban area?), please feel free to ask!
Thanks again!
submitted by fleakered to pharmacy [link] [comments]

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