Bitcoin in Divorce: Undisclosed Cryptocurrency CipherBlade

SKRIBBL WORD LIST

Pac-Man
bow
Apple
chest
six pack
nail
tornado
Mickey Mouse
Youtube
lightning
traffic light
waterfall
McDonalds
Donald Trump
Patrick
stop sign
Superman
tooth
sunflower
keyboard
island
Pikachu
Harry Potter
Nintendo Switch
Facebook
eyebrow
Peppa Pig
SpongeBob
Creeper
octopus
church
Eiffel tower
tongue
snowflake
fish
Twitter
pan
Jesus Christ
butt cheeks
jail
Pepsi
hospital
pregnant
thunderstorm
smile
skull
flower
palm tree
Angry Birds
America
lips
cloud
compass
mustache
Captain America
pimple
Easter Bunny
chicken
Elmo
watch
prison
skeleton
arrow
volcano
Minion
school
tie
lighthouse
fountain
Cookie Monster
Iron Man
Santa
blood
river
bar
Mount Everest
chest hair
Gumball
north
water
cactus
treehouse
bridge
short
thumb
beach
mountain
Nike
flag
Paris
eyelash
Shrek
brain
iceberg
fingernail
playground
ice cream
Google
dead
knife
spoon
unibrow
Spiderman
black
graveyard
elbow
golden egg
yellow
Germany
Adidas
nose hair
Deadpool
Homer Simpson
Bart Simpson
rainbow
ruler
building
raindrop
storm
coffee shop
windmill
fidget spinner
yo-yo
ice
legs
tent
mouth
ocean
Fanta
homeless
tablet
muscle
Pinocchio
tear
nose
snow
nostrils
Olaf
belly button
Lion King
car wash
Egypt
Statue of Liberty
Hello Kitty
pinky
Winnie the Pooh
guitar
Hulk
Grinch
Nutella
cold
flagpole
Canada
rainforest
blue
rose
tree
hot
mailbox
Nemo
crab
knee
doghouse
Chrome
cotton candy
Barack Obama
hot chocolate
Michael Jackson
map
Samsung
shoulder
Microsoft
parking
forest
full moon
cherry blossom
apple seed
Donald Duck
leaf
bat
earwax
Italy
finger
seed
lilypad
brush
record
wrist
thunder
gummy
Kirby
fire hydrant
overweight
hot dog
house
fork
pink
Sonic
street
Nasa
arm
fast
tunnel
full
library
pet shop
Yoshi
Russia
drum kit
Android
Finn and Jake
price tag
Tooth Fairy
bus stop
rain
heart
face
tower
bank
cheeks
Batman
speaker
Thor
skinny
electric guitar
belly
cute
ice cream truck
bubble gum
top hat
Pink Panther
hand
bald
freckles
clover
armpit
Japan
thin
traffic
spaghetti
Phineas and Ferb
broken heart
fingertip
funny
poisonous
Wonder Woman
Squidward
Mark Zuckerberg
twig
red
China
dream
Dora
daisy
France
Discord
toenail
positive
forehead
earthquake
iron
Zeus
Mercedes
Big Ben
supermarket
Bugs Bunny
Yin and Yang
drink
rock
drum
piano
white
bench
fall
royal
seashell
Audi
stomach
aquarium
Bitcoin
volleyball
marshmallow
Cat Woman
underground
Green Lantern
bottle flip
toothbrush
globe
sand
zoo
west
puddle
lobster
North Korea
Luigi
bamboo
Great Wall
Kim Jong-un
bad
credit card
swimming pool
Wolverine
head
hair
Yoda
Elsa
turkey
heel
maracas
clean
droplet
cinema
poor
stamp
Africa
whistle
Teletubby
wind
Aladdin
tissue box
fire truck
Usain Bolt
water gun
farm
iPad
well
warm
booger
WhatsApp
Skype
landscape
pine cone
Mexico
slow
organ
fish bowl
teddy bear
John Cena
Frankenstein
tennis racket
gummy bear
Mount Rushmore
swing
Mario
lake
point
vein
cave
smell
chin
desert
scary
Dracula
airport
kiwi
seaweed
incognito
Pluto
statue
hairy
strawberry
low
invisible
blindfold
tuna
controller
Paypal
King Kong
neck
lung
weather
Xbox
tiny
icicle
flashlight
scissors
emoji
strong
saliva
firefighter
salmon
basketball
spring
Tarzan
red carpet
drain
coral reef
nose ring
caterpillar
Wall-e
seat belt
polar bear
Scooby Doo
wave
sea
grass
pancake
park
lipstick
pickaxe
east
grenade
village
Flash
throat
dizzy
Asia
petal
Gru
country
spaceship
restaurant
copy
skin
glue stick
Garfield
equator
blizzard
golden apple
Robin Hood
fast food
barbed wire
Bill Gates
Tower of Pisa
neighborhood
lightsaber
video game
high heels
dirty
flamethrower
pencil sharpener
hill
old
flute
cheek
violin
fireball
spine
bathtub
cell phone
breath
open
Australia
toothpaste
Tails
skyscraper
cowbell
rib
ceiling fan
Eminem
Jimmy Neutron
photo frame
barn
sandstorm
Jackie Chan
Abraham Lincoln
T-rex
pot of gold
KFC
shell
poison
acne
avocado
study
bandana
England
Medusa
scar
Skittles
Pokemon
branch
Dumbo
factory
Hollywood
deep
knuckle
popular
piggy bank
Las Vegas
microphone
Tower Bridge
butterfly
slide
hut
shovel
hamburger
shop
fort
Ikea
planet
border
panda
highway
swamp
tropical
lightbulb
Kermit
headphones
jungle
Reddit
young
trumpet
cheeseburger
gas mask
apartment
manhole
nutcracker
Antarctica
mansion
bunk bed
sunglasses
spray paint
Jack-o-lantern
saltwater
tank
cliff
campfire
palm
pumpkin
elephant
banjo
nature
alley
fireproof
earbuds
crossbow
Elon Musk
quicksand
Playstation
Hawaii
good
corn dog
Gandalf
dock
magic wand
field
Solar System
photograph
ukulele
James Bond
The Beatles
Katy Perry
pirate ship
Poseidon
Netherlands
photographer
Lego
hourglass
glass
path
hotel
ramp
dandelion
Brazil
coral
cigarette
messy
Dexter
valley
parachute
wine glass
matchbox
Morgan Freeman
black hole
midnight
astronaut
paper bag
sand castle
forest fire
hot sauce
social media
William Shakespeare
trash can
fire alarm
lawn mower
nail polish
Band-Aid
Star Wars
clothes hanger
toe
mud
coconut
jaw
bomb
south
firework
sailboat
loading
iPhone
toothpick
BMW
ketchup
fossil
explosion
Finn
Einstein
infinite
dictionary
Photoshop
trombone
clarinet
rubber
saxophone
helicopter
temperature
bus driver
cello
London
newspaper
blackberry
shopping cart
Florida
Daffy Duck
mayonnaise
gummy worm
flying pig
underweight
Crash Bandicoot
bungee jumping
kindergarten
umbrella
hammer
night
laser
glove
square
Morty
firehouse
dynamite
chainsaw
melon
waist
Chewbacca
kidney
stoned
Rick
ticket
skateboard
microwave
television
soil
exam
cocktail
India
Colosseum
missile
hilarious
Popeye
nuke
silo
chemical
museum
Vault boy
adorable
fast forward
firecracker
grandmother
Porky Pig
roadblock
continent
wrinkle
shaving cream
Northern Lights
tug
London Eye
Israel
shipwreck
xylophone
motorcycle
diamond
root
coffee
princess
Oreo
goldfish
wizard
chocolate
garbage
ladybug
shotgun
kazoo
Minecraft
video
message
lily
fisherman
cucumber
password
western
ambulance
doorknob
glowstick
makeup
barbecue
jazz
hedgehog
bark
tombstone
coast
pitchfork
Christmas
opera
office
insect
hunger
download
hairbrush
blueberry
cookie jar
canyon
Happy Meal
high five
fern
quarter
peninsula
imagination
microscope
table tennis
whisper
fly swatter
pencil case
harmonica
Family Guy
New Zealand
apple pie
warehouse
cookie
USB
jellyfish
bubble
battery
fireman
pizza
angry
taco
harp
alcohol
pound
bedtime
megaphone
husband
oval
rail
stab
dwarf
milkshake
witch
bakery
president
weak
second
sushi
mall
complete
hip hop
slippery
horizon
prawn
plumber
blowfish
Madagascar
Europe
bazooka
pogo stick
Terminator
Hercules
notification
snowball fight
high score
Kung Fu
Lady Gaga
geography
sledgehammer
bear trap
sky
cheese
vine
clown
catfish
snowman
bowl
waffle
vegetable
hook
shadow
dinosaur
lane
dance
scarf
cabin
Tweety
bookshelf
swordfish
skyline
base
straw
biscuit
Greece
bleach
pepper
reflection
universe
skateboarder
triplets
gold chain
electric car
policeman
electricity
mother
Bambi
croissant
Ireland
sandbox
stadium
depressed
Johnny Bravo
silverware
raspberry
dandruff
Scotland
comic book
cylinder
Milky Way
taxi driver
magic trick
sunrise
popcorn
eat
cola
cake
pond
mushroom
rocket
surfboard
baby
cape
glasses
sunburn
chef
gate
charger
crack
mohawk
triangle
carpet
dessert
taser
afro
cobra
ringtone
cockroach
levitate
mailman
rockstar
lyrics
grumpy
stand
Norway
binoculars
nightclub
puppet
novel
injection
thief
pray
chandelier
exercise
lava lamp
lap
massage
thermometer
golf cart
postcard
bell pepper
bed bug
paintball
Notch
yogurt
graffiti
burglar
butler
seafood
Sydney Opera House
Susan Wojcicki
parents
bed sheet
Leonardo da Vinci
intersection
palace
shrub
lumberjack
relationship
observatory
junk food
eye
log
dice
bicycle
pineapple
camera
circle
lemonade
soda
comb
cube
Doritos
love
table
honey
lighter
broccoli
fireplace
drive
Titanic
backpack
emerald
giraffe
world
internet
kitten
volume
Spain
daughter
armor
noob
rectangle
driver
raccoon
bacon
lady
bull
camping
poppy
snowball
farmer
lasso
breakfast
oxygen
milkman
caveman
laboratory
bandage
neighbor
Cupid
Sudoku
wedding
seagull
spatula
atom
dew
fortress
vegetarian
ivy
snowboard
conversation
treasure
chopsticks
garlic
vacuum
swimsuit
divorce
advertisement
vuvuzela
Mr Bean
Fred Flintstone
pet food
upgrade
voodoo
punishment
Charlie Chaplin
Rome
graduation
beatbox
communism
yeti
ear
dots
octagon
kite
lion
winner
muffin
cupcake
unicorn
smoke
lime
monster
Mars
moss
summer
lollipop
coffin
paint
lottery
wife
pirate
sandwich
lantern
seahorse
Cuba
archer
sweat
deodorant
plank
Steam
birthday
submarine
zombie
casino
gas
stove
helmet
mosquito
ponytail
corpse
subway
spy
jump rope
baguette
grin
centipede
gorilla
website
text
workplace
bookmark
anglerfish
wireless
Zorro
sports
abstract
detective
Amsterdam
elevator
chimney
reindeer
Singapore
perfume
soldier
bodyguard
magnifier
freezer
radiation
assassin
yawn
backbone
disaster
giant
pillow fight
grasshopper
Vin Diesel
geyser
burrito
celebrity
Lasagna
Pumba
karaoke
hypnotize
platypus
Leonardo DiCaprio
bird bath
battleship
back pain
rapper
werewolf
Black Friday
cathedral
Sherlock Holmes
ABBA
hard hat
sword
mirror
toilet
eggplant
jelly
hero
starfish
bread
snail
person
plunger
computer
nosebleed
goat
joker
sponge
mop
owl
beef
portal
genie
crocodile
murderer
magic
pine
winter
robber
pepperoni
shoebox
fog
screen
son
folder
mask
Goofy
Mercury
zipline
wall
dragonfly
zipper
meatball
slingshot
Pringles
circus
mammoth
nugget
mousetrap
recycling
revolver
champion
zigzag
meat
drought
vodka
notepad
porcupine
tuba
hacker
broomstick
kitchen
cheesecake
satellite
JayZ
squirrel
leprechaun
jello
gangster
raincoat
eyeshadow
shopping
gardener
scythe
portrait
jackhammer
allergy
honeycomb
headache
Miniclip
Mona Lisa
cheetah
virtual reality
virus
Argentina
blanket
military
headband
superpower
language
handshake
reptile
thirst
fake teeth
duct tape
macaroni
color-blind
comfortable
Robbie Rotten
coast guard
cab driver
pistachio
Angelina Jolie
autograph
sea lion
Morse code
clickbait
star
girl
lemon
alarm
shoe
soap
button
kiss
grave
telephone
fridge
katana
switch
eraser
signature
pasta
flamingo
crayon
puzzle
hard
juice
socks
crystal
telescope
galaxy
squid
tattoo
bowling
lamb
silver
lid
taxi
basket
step
stapler
pigeon
zoom
teacher
holiday
score
Tetris
frame
garden
stage
unicycle
cream
sombrero
error
battle
starfruit
hamster
chalk
spiral
bounce
hairspray
lizard
victory
balance
hexagon
Ferrari
MTV
network
weapon
fist fight
vault
mattress
viola
birch
stereo
Jenga
plug
chihuahua
plow
pavement
wart
ribbon
otter
magazine
Bomberman
vaccine
elder
Romania
champagne
semicircle
Suez Canal
Mr Meeseeks
villain
inside
spade
gravedigger
Bruce Lee
gentle
stingray
can opener
funeral
jet ski
wheelbarrow
thug
undo
fabulous
space suit
cappuccino
Minotaur
skydiving
cheerleader
Stone Age
Chinatown
razorblade
crawl space
cauldron
trick shot
Steve Jobs
audience
time machine
sewing machine
face paint
truck driver
x-ray
fly
salt
spider
boy
dollar
turtle
book
chain
dolphin
sing
milk
wing
pencil
snake
scream
toast
vomit
salad
radio
potion
dominoes
balloon
monkey
trophy
feather
leash
loser
bite
notebook
happy
Mummy
sneeze
koala
tired
sick
pipe
jalapeno
diaper
deer
priest
youtuber
boomerang
pro
ruby
hop
hopscotch
barcode
vote
wrench
tissue
doll
clownfish
halo
Monday
tentacle
grid
Uranus
oil
scarecrow
tarantula
germ
glow
haircut
Vatican
tape
judge
cell
diagonal
science
mustard
fur
janitor
ballerina
pike
nun
chime
tuxedo
Cerberus
panpipes
surface
coal
knot
willow
pajamas
fizz
student
eclipse
asteroid
Portugal
pigsty
brand
crowbar
chimpanzee
Chuck Norris
raft
carnival
treadmill
professor
tricycle
apocalypse
vitamin
orchestra
groom
cringe
knight
litter box
macho
brownie
hummingbird
Hula Hoop
motorbike
type
catapult
take off
wake up
concert
floppy disk
BMX
bulldozer
manicure
brainwash
William Wallace
guinea pig
motherboard
wheel
brick
egg
lava
queen
gold
God
ladder
coin
laptop
toaster
butter
bag
doctor
sit
tennis
half
Bible
noodle
golf
eagle
cash
vampire
sweater
father
remote
safe
jeans
darts
graph
nothing
dagger
stone
wig
cupboard
minute
match
slime
garage
tomb
soup
bathroom
llama
shampoo
swan
frown
toolbox
jacket
adult
crate
quill
spin
waiter
mint
kangaroo
captain
loot
maid
shoelace
luggage
cage
bagpipes
loaf
aircraft
shelf
safari
afterlife
napkin
steam
coach
slope
marigold
Mozart
bumper
Asterix
vanilla
papaya
ostrich
failure
scoop
tangerine
firefly
centaur
harbor
uniform
Beethoven
Intel
moth
Spartacus
fluid
acid
sparkles
talent show
ski jump
polo
ravioli
delivery
woodpecker
logo
Stegosaurus
diss track
Darwin Watterson
filmmaker
silence
dashboard
echo
windshield
Home Alone
tablecloth
backflip
headboard
licorice
sunshade
Picasso
airbag
water cycle
meatloaf
insomnia
broom
whale
pie
demon
bed
braces
fence
orange
sleep
gift
Popsicle
spear
zebra
Saturn
maze
chess
wire
angel
skates
pyramid
shower
claw
hell
goal
bottle
dress
walk
AC/DC
tampon
goatee
prince
flask
cut
cord
roof
movie
ash
tiger
player
magician
wool
saddle
cowboy
derp
suitcase
sugar
nest
anchor
onion
magma
limbo
collar
mole
bingo
walnut
wealth
security
leader
melt
Gandhi
arch
toy
turd
scientist
hippo
glue
kneel
orbit
below
totem
health
towel
diet
crow
addiction
minigolf
clay
boar
navy
butcher
trigger
referee
bruise
translate
yearbook
confused
engine
poke
wreath
omelet
gravity
bride
godfather
flu
accordion
engineer
cocoon
minivan
bean bag
antivirus
billiards
rake
cement
cauliflower
espresso
violence
blender
chew
bartender
witness
hobbit
corkscrew
chameleon
cymbal
Excalibur
grapefruit
action
outside
guillotine
timpani
frostbite
leave
Mont Blanc
palette
electrician
fitness trainer
journalist
fashion designer
bucket
penguin
sheep
torch
robot
peanut
UFO
belt
Earth
magnet
dragon
soccer
desk
search
seal
scribble
gender
food
anvil
crust
bean
hockey
pot
pretzel
needle
blimp
plate
drool
frog
basement
idea
bracelet
cork
sauce
gang
sprinkler
shout
morning
poodle
karate
bagel
wolf
sausage
heat
wasp
calendar
tadpole
religion
hose
sleeve
acorn
sting
market
marble
comet
pain
cloth
drawer
orca
hurdle
pinball
narwhal
pollution
metal
race
end
razor
dollhouse
distance
prism
pub
lotion
vanish
vulture
beanie
burp
periscope
cousin
customer
label
mold
kebab
beaver
spark
meme
pudding
almond
mafia
gasp
nightmare
mermaid
season
gasoline
evening
eel
cast
hive
beetle
diploma
jeep
bulge
wrestler
Anubis
mascot
spinach
hieroglyph
anaconda
handicap
walrus
blacksmith
robin
reception
invasion
fencing
sphinx
evolution
brunette
traveler
jaguar
diagram
hovercraft
parade
dome
credit
tow truck
shallow
vlogger
veterinarian
furniture
commercial
cyborg
scent
defense
accident
marathon
demonstration
NASCAR
Velociraptor
pharmacist
Xerox
gentleman
dough
rhinoceros
air conditioner
poop
clock
carrot
cherry
candle
boots
target
wine
die
moon
airplane
think
pause
pill
pocket
Easter
horse
child
lamp
pillow
yolk
potato
pickle
nurse
ham
ninja
screw
board
pin
lettuce
console
climb
goose
bill
tortoise
sink
ski
glitter
miner
parrot
clap
spit
wiggle
peacock
roll
ballet
ceiling
celebrate
blind
yacht
addition
flock
powder
paddle
harpoon
kraken
baboon
antenna
classroom
bronze
writer
Obelix
touch
sensei
rest
puma
dent
shake
goblin
laundry
cloak
detonate
Neptune
cotton
generator
canary
horsewhip
racecar
Croatia
tip
cardboard
commander
seasick
anthill
vinegar
hippie
dentist
animation
Slinky
wallpaper
pendulum
vertical
chestplate
anime
beanstalk
survivor
florist
faucet
spore
risk
wonderland
wrestling
hazelnut
cushion
W-LAN
mayor
community
raisin
udder
oyster
sew
hazard
curry
pastry
mime
victim
mechanic
hibernate
bouncer
Iron Giant
floodlight
pear
sad
paw
space
bullet
skribbl.io
shirt
cow
worm
king
tea
truck
pants
hashtag
DNA
bird
Monster
beer
curtain
tire
nachos
bear
cricket
teapot
nerd
deaf
fruit
meteorite
rice
sniper
sale
gnome
shock
shape
alligator
meal
nickel
party
hurt
Segway
Mr. Bean
banker
cartoon
double
hammock
juggle
pope
leak
room
throne
hoof
radar
wound
luck
swag
panther
flush
Venus
disease
fortune
porch
machine
pilot
copper
mantis
keg
biology
wax
gloss
leech
sculpture
pelican
trapdoor
plague
quilt
yardstick
lounge
teaspoon
broadcast
uncle
comedian
mannequin
peasant
streamer
oar
drama
cornfield
carnivore
wingnut
vent
cabinet
vacation
applause
vision
radish
picnic
Skrillex
jester
preach
armadillo
hyena
librarian
interview
sauna
surgeon
dishrag
manatee
symphony
queue
industry
Atlantis
excavator
canister
model
flight attendant
ghost
pig
key
banana
tomato
axe
line
present
duck
alien
peas
gem
web
grapes
corn
can
fairy
camel
paper
beak
corner
penny
dig
link
donkey
fox
rug
drip
hunter
horn
purse
gumball
pony
musket
flea
kettle
rooster
balcony
seesaw
stork
dinner
greed
bait
duel
trap
heist
origami
skunk
coaster
leather
socket
fireside
cannon
ram
filter
alpaca
Zelda
condiment
server
antelope
emu
chestnut
dalmatian
swarm
sloth
reality
Darwin
torpedo
toucan
pedal
tabletop
frosting
bellow
vortex
bayonet
margarine
orchid
beet
journey
slam
marmalade
employer
stylus
spoiler
repeat
tiramisu
cuckoo
collapse
eskimo
assault
orangutan
wrapping
albatross
mothball
evaporate
turnip
puffin
reeds
receptionist
impact
dispenser
nutshell
procrastination
architect
programmer
bricklayer
boat
bell
ring
fries
money
chair
door
bee
tail
ball
mouse
rat
window
peace
nut
blush
page
toad
hug
ace
tractor
peach
whisk
hen
day
shy
lawyer
rewind
tripod
trailer
hermit
welder
festival
punk
handle
protest
lens
attic
foil
promotion
work
limousine
patriot
badger
studio
athlete
quokka
trend
pinwheel
gravel
fabric
lemur
provoke
rune
display
nail file
embers
asymmetry
actor
carpenter
aristocrat
Zuma
chinchilla
archaeologist
apple
hat
sun
box
cat
cup
train
bunny
sound
run
barrel
barber
grill
read
family
moose
boil
printer
poster
sledge
nutmeg
heading
cruise
pillar
retail
monk
spool
catalog
scuba
anteater
pensioner
coyote
vise
bobsled
purity
tailor
meerkat
weasel
invention
lynx
kendama
zeppelin
patient
gladiator
slump
Capricorn
baklava
prune
stress
crucible
hitchhiker
election
caviar
marmot
hair roller
pistol
cone
ant
lock
hanger
cap
Mr. Meeseeks
comedy
coat
tourist
tickle
facade
shrew
diva
patio
apricot
spelunker
parakeet
barbarian
tumor
figurine
desperate
landlord
bus
mug
dog
shark
abyss
betray HUH SO HARD
submitted by Temporary_Scratch_14 to skribbl [link] [comments]

Bitcoin is a sleeping bull. Here's why:

  1. Accumulation by institutions: Overlay the NASDAQ chart over bitcoin and you see incredible increase in correlation since November 2019. What has happened here? Simple, the retail investors/miners who have been selling for the last 3 years have been selling to institutions, rather than fellow retail investors. Bitcoin did not die, it was just entered a bear market where money traded hands from retail and into institution's hands.
  2. Buy the rumor sell the news: digital dollar. For those of you who do not know, there has been strong bipartisan interest in the United States creating their own digital currency, using blockchain technology. There was legislation hidden for the creation of this digital dollar inside one of the early stimulus bills that almost passed.
  3. Technical analysis: If it bitcoin breaks 10.5k, expect an explosive price pump to 14k, and I honestly don't think 14k will be very strong resistance, I honestly would expect the most serious level of resistance will be around 19-20k. If bitcoin fails to break 10.5k, expect a shakedown to the 20 week moving average which currently is around 8.2k.
  4. Gold fundamentals are bitcoin fundamentals, both are stronger than ever: The idea of having a currency that is finite, and divorced from any centralized bank or government is super attractive in the post covid world we live in today. Countries have getting a little too comfortable pressing the print button to print their way to riches. On the very long time frames, birth birthrates are freefalling on the global level, especially among the wealthiest countries whose currencies' supply are inflating exponentially to record highs. The supply of unbacked fiat will at some point surpass the demand and we will see the age of centralized banks come to an end.
  5. Bitcoin has already overtaken silver: Bitcoin has a market cap about 4 times larger than silver, and gold has a market cap about 75 times larger than bitcoin. Bitcoin has plenty of room to grow in this niche, and the digitization of it's nature could allow for it to expand in many areas where gold can not.
  6. The inflation rate gets cut in half every four years: it's current yearly inflation rate is 1.80%. In four years, the inflation rate will be approximately 0.9%. In 8 years, the inflation rate will be at ~0.45%, etc... Even if the demand stays the same for gold and bitcoin, bitcoin will overtake gold's market cap in a few decades just by looking at the stock to flow ratio of both commodities.
submitted by ShotBot to investing [link] [comments]

48 next week, after a divorce starting from the bottom again. Is FIRE possible?

As the title says, my divorce came through about 2 weeks ago and I am starting from the bottom rung again. I haven't got any property, and my assets are limited. What prompted me to grab this with both hands is that around that time my eldest daughter gave birth to my first grandchild so it's helped me to focus on the future.
I currently live with my parents, as during the week I work away from home and have a rented property near my work. It's nearly 2 hours away from home so commuting isn't an option (plus the client pays an accommodation allowance so not all bad). I do plan to buy a house within the next 5 or so years so that's my short term goal but whilst I don't need to I'm building up my assets.
I've been earning average income for the past few years (about £33k). During my marriage I was very limited to what I could do money wise. The wife would rarely contribute to household expenses, and would spend rather than save. I tried to get better paying jobs, but security was preferred over higher income. What little money I had left over I tried to save, but more often than not had to liquidate any investments in order to pay for essentials - like a car repair or replacement washing machine etc. We rented, as neither of us were in a good enough place financially to get a mortgage.
Now, as I'm not having to answer to her and being free to do what I want (within reason, we have a 11 year old daughter) I'm in a job earning double what I got in my previous position. Although I'm a contractor, I'm needed for the length of the project which is at least the next 2 years so I'm taking advantage of the boost in income. And thankfully during the lockdown they still paid me, as it would cost too much to get a replacement in if I did leave. For the last year my priority was paying off debts, I still have some (about 10k) but much more manageable than they were this time last year. I could pay everything off in the next 6 months, but I think it's time I started preparing for the future. The way I see it, if I lost my job in a month I'd have no debts but limited or no resources to feed myself. But if I start following more of the FIRE philosophies I'll at least have covered expenses for a few months if the worst happened. I've been a follower of MMM for a few years, haven't always agreed with what he says on some subjects (Cryptocurrency for instance) but I feel I'm ready to start putting FIRE into practice.
The two things I'm looking to concentrate on right now are emergency expenses and investing. What I have in place right now is a Moneybox S&S ISA which I intend to use for emergency expenses. For those not familiar with Moneybox it rounds up the pennies for expenses in the bank account to whole pounds. As well as this I do a weekly top up and a payday top up. Approximately £150-200 per month, current value around £600. I also tried to invest in the FTSE 100 with the spare change I had, and used a Halifax Sharebuilder. I put in around £30 per month and each month picked a new share from the FTSE 100. I'm about £960 in and probably about a third of the way through the FTSE100. Thinking about it I should have invested in a tracker fund, but hey, it's been in place for a few years and it's made me put money aside so not all bad. Right now most of it is red, but I put that down to the current economic climate and I'm in it for the long haul so at the moment it doesn't matter.
I've dabbled in Cryptocurrency. I work in IT and I've always been very much of a geek, so it comes with the territory. Mostly proof of stake coins, but early in the process more 'traditional' proof of work coins such as Bitcoin and Litecoin. Somewhere I do have a few hundred Bitcoin but can I find the seed phrase I wrote down? If only I'd emailed it to myself! I'm a lot more organised these days, and probably hold £2500 in a mix of different coins. I monitor the price weekly and react if I see a trend but mostly leave this untouched.
I also have some premium bonds. Probably around £500. I only started collecting them last year, so far no winnings but again I'm in it for the long haul so I'm looking at the average returns. If it makes me my million then so be it, if it doesn't win anything at all then I'll revisit it but I see it as something I can quickly liquidate if I need the money.
If I had to liquidate everything tomorrow, I could probably support myself for 3 months. I want this to be at least 6 months, the end goal to cover potentially 30 or more years of retirement.
My budget does have some things I can't avoid, such as paying rent twice (a token amount at home but market rates for work, probably around 1000 in total). The accommodation allowance mentioned above is sufficient to cover the away from home element and more. There's feeding myself, a couple of streaming services and Xbox Live (essential for my mental health when in a 1 bed flat during the work week), car expenses (I have a Skoda Octavia and regularly exceed 50mpg, 70+ on A roads) and the finance and associated fuel and insurance costs for that, and some ad-hoc expenses as they arise such as clothing. Overall I could live on 60% of my salary, the more debt I pay off the better that gets. What's helped here is my obsession with Excel - I monitor everything. I go through bank transactions and enter every penny into a budget planner, so I know where I am. And those budget figures I use in YNAB to keep a day to day eye on how I'm doing, so far it's been quite accurate at predicting what's coming out and when.
I know it's going to be difficult, starting so late. But has anybody else been as late to the party as me, and if so how was it for you? Any tips? I'm happy to elaborate on any of the above if I need to.
submitted by dazza12 to FIREUK [link] [comments]

Default English word list

Alright so, I took the default database from there https://skribbliohints.github.io/ and with the help of html, I extracted the words to a list separated by commas. It's useful when you want to translate those words into your native language.
Word of advice, when using google translate, do not put all words at once there, it can rapidly worsen the translation.
(And there is a last thing. Their algorithm of picking only custom words is not working really good, at least for me. Meaning that I often get duplicates, despite having a list this big and without duplicates. I'm still trying to find some solution to this, so if somebody is experiencing this as well, share the knowledge please, I will do the same.)
SOLUTION: Thanks for the reply from PepegaWR who identified the cause. I also tested it and there seems to be a custom words limit of 5000 characters. The easiest way in my opinion is to shuffle the words before each session to minimize the impact. Also thanks to the flynger who had the same idea before me :)
Finally, here it is, enjoy the scribbling ^^ :

ABBA, AC/DC, Abraham Lincoln, Adidas, Africa, Aladdin, America, Amsterdam, Android, Angelina Jolie, Angry Birds, Antarctica, Anubis, Apple, Argentina, Asia, Asterix, Atlantis, Audi, Australia, BMW, BMX, Bambi, Band-Aid, Barack Obama, Bart Simpson, Batman, Beethoven, Bible, Big Ben, Bill Gates, Bitcoin, Black Friday, Bomberman, Brazil, Bruce Lee, Bugs Bunny, Canada, Capricorn, Captain America, Cat Woman, Cerberus, Charlie Chaplin, Chewbacca, China, Chinatown, Christmas, Chrome, Chuck Norris, Colosseum, Cookie Monster, Crash Bandicoot, Creeper, Croatia, Cuba, Cupid, DNA, Daffy Duck, Darwin, Darwin Watterson, Deadpool, Dexter, Discord, Donald Duck, Donald Trump, Dora, Doritos, Dracula, Dumbo, Earth, Easter, Easter Bunny, Egypt, Eiffel tower, Einstein, Elmo, Elon Musk, Elsa, Eminem, England, Europe, Excalibur, Facebook, Family Guy, Fanta, Ferrari, Finn, Finn and Jake, Flash, Florida, France, Frankenstein, Fred Flintstone, Gandalf, Gandhi, Garfield, Germany, God, Goofy, Google, Great Wall, Greece, Green Lantern, Grinch, Gru, Gumball, Happy Meal, Harry Potter, Hawaii, Hello Kitty, Hercules, Hollywood, Home Alone, Homer Simpson, Hula Hoop, Hulk, Ikea, India, Intel, Ireland, Iron Giant, Iron Man, Israel, Italy, Jack-o-lantern, Jackie Chan, James Bond, Japan, JayZ, Jenga, Jesus Christ, Jimmy Neutron, John Cena, Johnny Bravo, KFC, Katy Perry, Kermit, Kim Jong-un, King Kong, Kirby, Kung Fu, Lady Gaga, Las Vegas, Lasagna, Lego, Leonardo DiCaprio, Leonardo da Vinci, Lion King, London, London Eye, Luigi, MTV, Madagascar, Mario, Mark Zuckerberg, Mars, McDonalds, Medusa, Mercedes, Mercury, Mexico, Michael Jackson, Mickey Mouse, Microsoft, Milky Way, Minecraft, Miniclip, Minion, Minotaur, Mona Lisa, Monday, Monster, Mont Blanc, Morgan Freeman, Morse code, Morty, Mount Everest, Mount Rushmore, Mozart, Mr. Bean, Mr. Meeseeks, Mr Bean, Mr Meeseeks, Mummy, NASCAR, Nasa, Nemo, Neptune, Netherlands, New Zealand, Nike, Nintendo Switch, North Korea, Northern Lights, Norway, Notch, Nutella, Obelix, Olaf, Oreo, Pac-Man, Paris, Patrick, Paypal, Peppa Pig, Pepsi, Phineas and Ferb, Photoshop, Picasso, Pikachu, Pink Panther, Pinocchio, Playstation, Pluto, Pokemon, Popeye, Popsicle, Porky Pig, Portugal, Poseidon, Pringles, Pumba, Reddit, Rick, Robbie Rotten, Robin Hood, Romania, Rome, Russia, Samsung, Santa, Saturn, Scooby Doo, Scotland, Segway, Sherlock Holmes, Shrek, Singapore, Skittles, Skrillex, Skype, Slinky, Solar System, Sonic, Spain, Spartacus, Spiderman, SpongeBob, Squidward, Star Wars, Statue of Liberty, Steam, Stegosaurus, Steve Jobs, Stone Age, Sudoku, Suez Canal, Superman, Susan Wojcicki, Sydney Opera House, T-rex, Tails, Tarzan, Teletubby, Terminator, Tetris, The Beatles, Thor, Titanic, Tooth Fairy, Tower Bridge, Tower of Pisa, Tweety, Twitter, UFO, USB, Uranus, Usain Bolt, Vatican, Vault boy, Velociraptor, Venus, Vin Diesel, W-LAN, Wall-e, WhatsApp, William Shakespeare, William Wallace, Winnie the Pooh, Wolverine, Wonder Woman, Xbox, Xerox, Yin and Yang, Yoda, Yoshi, Youtube, Zelda, Zeus, Zorro, Zuma, abstract, abyss, accident, accordion, ace, acid, acne, acorn, action, actor, addiction, addition, adorable, adult, advertisement, afro, afterlife, air conditioner, airbag, aircraft, airplane, airport, alarm, albatross, alcohol, alien, allergy, alley, alligator, almond, alpaca, ambulance, anaconda, anchor, angel, anglerfish, angry, animation, anime, ant, anteater, antelope, antenna, anthill, antivirus, anvil, apartment, apocalypse, applause, apple, apple pie, apple seed, apricot, aquarium, arch, archaeologist, archer, architect, aristocrat, arm, armadillo, armor, armpit, arrow, ash, assassin, assault, asteroid, astronaut, asymmetry, athlete, atom, attic, audience, autograph, avocado, axe, baboon, baby, back pain, backbone, backflip, backpack, bacon, bad, badger, bag, bagel, bagpipes, baguette, bait, bakery, baklava, balance, balcony, bald, ball, ballerina, ballet, balloon, bamboo, banana, bandage, bandana, banjo, bank, banker, bar, barbarian, barbecue, barbed wire, barber, barcode, bark, barn, barrel, bartender, base, basement, basket, basketball, bat, bathroom, bathtub, battery, battle, battleship, bayonet, bazooka, beach, beak, bean, bean bag, beanie, beanstalk, bear, bear trap, beatbox, beaver, bed, bed bug, bed sheet, bedtime, bee, beef, beer, beet, beetle, bell, bell pepper, bellow, belly, belly button, below, belt, bench, betray, bicycle, bill, billiards, bingo, binoculars, biology, birch, bird, bird bath, birthday, biscuit, bite, black, black hole, blackberry, blacksmith, blanket, bleach, blender, blimp, blind, blindfold, blizzard, blood, blowfish, blue, blueberry, blush, boar, board, boat, bobsled, bodyguard, boil, bomb, booger, book, bookmark, bookshelf, boomerang, boots, border, bottle, bottle flip, bounce, bouncer, bow, bowl, bowling, box, boy, bracelet, braces, brain, brainwash, branch, brand, bread, breakfast, breath, brick, bricklayer, bride, bridge, broadcast, broccoli, broken heart, bronze, broom, broomstick, brownie, bruise, brunette, brush, bubble, bubble gum, bucket, building, bulge, bull, bulldozer, bullet, bumper, bungee jumping, bunk bed, bunny, burglar, burp, burrito, bus, bus driver, bus stop, butcher, butler, butt cheeks, butter, butterfly, button, cab driver, cabin, cabinet, cactus, cage, cake, calendar, camel, camera, campfire, camping, can, can opener, canary, candle, canister, cannon, canyon, cap, cape, cappuccino, captain, car wash, cardboard, carnival, carnivore, carpenter, carpet, carrot, cartoon, cash, casino, cast, cat, catalog, catapult, caterpillar, catfish, cathedral, cauldron, cauliflower, cave, caveman, caviar, ceiling, ceiling fan, celebrate, celebrity, cell, cell phone, cello, cement, centaur, centipede, chain, chainsaw, chair, chalk, chameleon, champagne, champion, chandelier, charger, cheek, cheeks, cheerleader, cheese, cheeseburger, cheesecake, cheetah, chef, chemical, cherry, cherry blossom, chess, chest, chest hair, chestnut, chestplate, chew, chicken, chihuahua, child, chime, chimney, chimpanzee, chin, chinchilla, chocolate, chopsticks, church, cicada cigarette, cinema, circle, circus, clap, clarinet, classroom, claw, clay, clean, clickbait, cliff, climb, cloak, clock, cloth, clothes hanger, cloud, clover, clown, clownfish, coach, coal, coast, coast guard, coaster, coat, cobra, cockroach, cocktail, coconut, cocoon, coffee, coffee shop, coffin, coin, cola, cold, collapse, collar, color-blind, comb, comedian, comedy, comet, comfortable, comic book, commander, commercial, communism, community, compass, complete, computer, concert, condiment, cone, confused, console, continent, controller, conversation, cookie, cookie jar, copper, copy, coral, coral reef, cord, cork, corkscrew, corn, corn dog, corner, cornfield, corpse, cotton, cotton candy, country, cousin, cow, cowbell, cowboy, coyote, crab, crack, crate, crawl space, crayon, cream, credit, credit card, cricket, cringe, crocodile, croissant, crossbow, crow, crowbar, crucible, cruise, crust, crystal, cube, cuckoo, cucumber, cup, cupboard, cupcake, curry, curtain, cushion, customer, cut, cute, cyborg, cylinder, cymbal, dagger, daisy, dalmatian, dance, dandelion, dandruff, darts, dashboard, daughter, day, dead, deaf, deep, deer, defense, delivery, demon, demonstration, dent, dentist, deodorant, depressed, derp, desert, desk, desperate, dessert, detective, detonate, dew, diagonal, diagram, diamond, diaper, dice, dictionary, die, diet, dig, dinner, dinosaur, diploma, dirty, disaster, disease, dishrag, dispenser, display, diss track, distance, diva, divorce, dizzy, dock, doctor, dog, doghouse, doll, dollar, dollhouse, dolphin, dome, dominoes, donkey, door, doorknob, dots, double, dough, download, dragon, dragonfly, drain, drama, drawer, dream, dress, drink, drip, drive, driver, drool, droplet, drought, drum, drum kit, duck, duct tape, duel, dwarf, dynamite, eagle, ear, earbuds, earthquake, earwax, east, eat, echo, eclipse, eel, egg, eggplant, elbow, elder, election, electric car, electric guitar, electrician, electricity, elephant, elevator, embers, emerald, emoji, employer, emu, end, engine, engineer, equator, eraser, error, eskimo, espresso, evaporate, evening, evolution, exam, excavator, exercise, explosion, eye, eyebrow, eyelash, eye shadow, fabric, fabulous, facade, face, face paint, factory, failure, fairy, fake teeth, fall, family, farm, farmer, fashion designer, fast, fast food, fast forward, father, faucet, feather, fence, fencing, fern, festival, fidget spinner, field, figurine, filmmaker, filter, finger, fingernail, fingertip, fire alarm, fire hydrant, fire truck, fireball, firecracker, firefighter, firefly, firehouse, fireman, fireplace, fireproof, fireside, firework, fish, fish bowl, fisherman, fist fight, fitness trainer, fizz, flag, flagpole, flamethrower, flamingo, flashlight, flask, flea, flight attendant, flock, floodlight, floppy disk, florist, flower, flu, fluid, flush, flute, fly, fly swatter, flying pig, fog, foil, folder, food, forehead, forest, forest fire, fork, fort, fortress, fortune, fossil, fountain, fox, frame, freckles, freezer, fridge, fries, frog, frostbite, frosting, frown, fruit, full, full moon, funeral, funny, fur, furniture, galaxy, gang, gangster, garage, garbage, garden, gardener, garlic, gas, gas mask, gasoline, gasp, gate, gem, gender, generator, genie, gentle, gentleman, geography, germ, geyser, ghost, giant, gift, giraffe, girl, gladiator, glass, glasses, glitter, globe, gloss, glove, glow, glowstick, glue, glue stick, gnome, goal, goat, goatee, goblin, godfather, gold, gold chain, golden apple, golden egg, goldfish, golf, golf cart, good, goose, gorilla, graduation, graffiti, grandmother, grapefruit, grapes, graph, grass, grasshopper, grave, gravedigger, gravel, graveyard, gravity, greed, grenade, grid, grill, grin, groom, grumpy, guillotine, guinea pig, guitar, gumball, gummy, gummy bear, gummy worm, hacker, hair, hair roller, hairbrush, haircut, hairspray, hairy, half, halo, ham, hamburger, hammer, hammock, hamster, hand, handicap, handle, handshake, hanger, happy, harbor, hard, hard hat, harmonica, harp, harpoon, hashtag, hat, hazard, hazelnut, head, headache, headband, headboard, heading, headphones, health, heart, heat, hedgehog, heel, heist, helicopter, hell, helmet, hen, hermit, hero, hexagon, hibernate, hieroglyph, high five, high heels, high score, highway, hilarious, hill, hip hop, hippie, hippo, hitchhiker, hive, hobbit, hockey, holiday, homeless, honey, honeycomb, hoof, hook, hop, hopscotch, horizon, horn, horse, horsewhip, hose, hospital, hot, hot chocolate, hot dog, hot sauce, hotel, hourglass, house, hovercraft, hug, hummingbird, hunger, hunter, hurdle, hurt, husband, hut, hyena, hypnotize, iPad, iPhone, ice, ice cream, ice cream truck, iceberg, icicle, idea, imagination, impact, incognito, industry, infinite, injection, insect, inside, insomnia, internet, intersection, interview, invasion, invention, invisible, iron, island, ivy, jacket, jackhammer, jaguar, jail, jalapeno, janitor, jaw, jazz, jeans, jeep, jello, jelly, jellyfish, jester, jet ski, joker, journalist, journey, judge, juggle, juice, jump rope, jungle, junk food, kangaroo, karaoke, karate, katana, kazoo, kebab, keg, kendama, ketchup, kettle, key, keyboard, kidney, kindergarten, king, kiss, kitchen, kite, kitten, kiwi, knee, kneel, knife, knight, knot, knuckle, koala, kraken, label, laboratory, ladder, lady, ladybug, lake, lamb, lamp, landlord, landscape, lane, language, lantern, lap, laptop, laser, lasso, laundry, lava, lava lamp, lawn mower, lawyer, leader, leaf, leak, leash, leather, leave, leech, legs, lemon, lemonade, lemur, lens, leprechaun, lettuce, levitate, librarian, library, licorice, lid, light bulb, lighter, lighthouse, lightning, lightsaber, lily, lilypad, limbo, lime, limousine, line, link, lion, lips, lipstick, litter box, lizard, llama, loading, loaf, lobster, lock, log, logo, lollipop, loot, loser, lotion, lottery, lounge, love, low, luck, luggage, lumberjack, lung, lynx, lyrics, macaroni, machine, macho, mafia, magazine, magic, magic trick, magic wand, magician, magma, magnet, magnifier, maid, mailbox, mailman, makeup, mall, mammoth, manatee, manhole, manicure, mannequin, mansion, mantis, map, maracas, marathon, marble, margarine, marigold, market, marmalade, marmot, marshmallow, mascot, mask, massage, match, matchbox, mattress, mayonnaise, mayor, maze, meal, meat, meatball, meatloaf, mechanic, meerkat, megaphone, melon, melt, meme, mermaid, message, messy, metal, meteorite, microphone, microscope, microwave, midnight, military, milk, milkman, milkshake, mime, miner, minigolf, minivan, mint, minute, mirror, missile, model, mohawk, mold, mole, money, monk, monkey, monster, moon, moose, mop, morning, mosquito, moss, moth, mothball, mother, motherboard, motorbike, motorcycle, mountain, mouse, mousetrap, mouth, movie, mud, muffin, mug, murderer, muscle, museum, mushroom, musket, mustache, mustard, nachos, nail, nail file, nail polish, napkin, narwhal, nature, navy, neck, needle, neighbor, neighborhood, nerd, nest, network, newspaper, nickel, night, nightclub, nightmare, ninja, noob, noodle, north, nose, nose hair, nose ring, nosebleed, nostrils, notebook, notepad, nothing, notification, novel, nugget, nuke, nun, nurse, nut, nutcracker, nutmeg, nutshell, oar, observatory, ocean, octagon, octopus, office, oil, old, omelet, onion, open, opera, orange, orangutan, orbit, orca, orchestra, orchid, organ, origami, ostrich, otter, outside, oval, overweight, owl, oxygen, oyster, paddle, page, pain, paint, paintball, pajamas, palace, palette, palm, palm tree, pan, pancake, panda, panpipes, panther, pants, papaya, paper, paper bag, parachute, parade, parakeet, parents, park, parking, parrot, party, password, pasta, pastry, path, patient, patio, patriot, pause, pavement, paw, peace, peach, peacock, peanut, pear, peas, peasant, pedal, pelican, pencil, pencil case, pencil sharpener, pendulum, penguin, peninsula, penny, pensioner, pepper, pepperoni, perfume, periscope, person, pet food, pet shop, petal, pharmacist, photo frame, photograph, photographer, piano, pickaxe, pickle, picnic, pie, pig, pigeon, piggy bank, pigsty, pike, pill, pillar, pillow, pillow fight, pilot, pimple, pin, pinball, pine, pine cone, pineapple, pink, pinky, pinwheel, pipe, pirate, pirate ship, pistachio, pistol, pitchfork, pizza, plague, planet, plank, plate, platypus, player, playground, plow, plug, plumber, plunger, pocket, pogo stick, point, poison, poisonous, poke, polar bear, policeman, pollution, polo, pond, pony, ponytail, poodle, poop, poor, popcorn, pope, poppy, popular, porch, porcupine, portal, portrait, positive, postcard, poster, pot, pot of gold, potato, potion, pound, powder, prawn, pray, preach, pregnant, present, president, pretzel, price tag, priest, prince, princess, printer, prism, prison, pro, procrastination, professor, programmer, promotion, protest, provoke, prune, pub, pudding, 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Where is Bitcoin Going and When?

Where is Bitcoin Going and When?

The Federal Reserve and the United States government are pumping extreme amounts of money into the economy, already totaling over $484 billion. They are doing so because it already had a goal to inflate the United States Dollar (USD) so that the market can continue to all-time highs. It has always had this goal. They do not care how much inflation goes up by now as we are going into a depression with the potential to totally crash the US economy forever. They believe the only way to save the market from going to zero or negative values is to inflate it so much that it cannot possibly crash that low. Even if the market does not dip that low, inflation serves the interest of powerful people.
The impending crash of the stock market has ramifications for Bitcoin, as, though there is no direct ongoing-correlation between the two, major movements in traditional markets will necessarily affect Bitcoin. According to the Blockchain Center’s Cryptocurrency Correlation Tool, Bitcoin is not correlated with the stock market. However, when major market movements occur, they send ripples throughout the financial ecosystem which necessary affect even ordinarily uncorrelated assets.
Therefore, Bitcoin will reach X price on X date after crashing to a price of X by X date.

Stock Market Crash

The Federal Reserve has caused some serious consternation with their release of ridiculous amounts of money in an attempt to buoy the economy. At face value, it does not seem to have any rationale or logic behind it other than keeping the economy afloat long enough for individuals to profit financially and politically. However, there is an underlying basis to what is going on which is important to understand in order to profit financially.
All markets are functionally price probing systems. They constantly undergo a price-discovery process. In a fiat system, money is an illusory and a fundamentally synthetic instrument with no intrinsic value – similar to Bitcoin. The primary difference between Bitcoin is the underlying technology which provides a slew of benefits that fiat does not. Fiat, however, has an advantage in being able to have the support of powerful nation-states which can use their might to insure the currency’s prosperity.
Traditional stock markets are composed of indices (pl. of index). Indices are non-trading market instruments which are essentially summaries of business values which comprise them. They are continuously recalculated throughout a trading day, and sometimes reflected through tradable instruments such as Exchange Traded Funds or Futures. Indices are weighted by market capitalizations of various businesses.
Price theory essentially states that when a market fails to take out a new low in a given range, it will have an objective to take out the high. When a market fails to take out a new high, it has an objective to make a new low. This is why price-time charts go up and down, as it does this on a second-by-second, minute-by-minute, day-by-day, and even century-by-century basis. Therefore, market indices will always return to some type of bull market as, once a true low is formed, the market will have a price objective to take out a new high outside of its’ given range – which is an all-time high. Instruments can only functionally fall to zero, whereas they can grow infinitely.
So, why inflate the economy so much?
Deflation is disastrous for central banks and markets as it raises the possibility of producing an overall price objective of zero or negative values. Therefore, under a fractional reserve system with a fiat currency managed by a central bank – the goal of the central bank is to depreciate the currency. The dollar is manipulated constantly with the intention of depreciating its’ value.
Central banks have a goal of continued inflated fiat values. They tend to ordinarily contain it at less than ten percent (10%) per annum in order for the psyche of the general populace to slowly adjust price increases. As such, the markets are divorced from any other logic. Economic policy is the maintenance of human egos, not catering to fundamental analysis. Gross Domestic Product (GDP) growth is well-known not to be a measure of actual growth or output. It is a measure of increase in dollars processed. Banks seek to produce raising numbers which make society feel like it is growing economically, making people optimistic. To do so, the currency is inflated, though inflation itself does not actually increase growth. When society is optimistic, it spends and engages in business – resulting in actual growth. It also encourages people to take on credit and debts, creating more fictional fiat.
Inflation is necessary for markets to continue to reach new heights, generating positive emotional responses from the populace, encouraging spending, encouraging debt intake, further inflating the currency, and increasing the sale of government bonds. The fiat system only survives by generating more imaginary money on a regular basis.
Bitcoin investors may profit from this by realizing that stock investors as a whole always stand to profit from the market so long as it is managed by a central bank and does not collapse entirely. If those elements are filled, it has an unending price objective to raise to new heights. It also allows us to realize that this response indicates that the higher-ups believe that the economy could crash in entirety, and it may be wise for investors to have multiple well-thought-out exit strategies.

Economic Analysis of Bitcoin

The reason why the Fed is so aggressively inflating the economy is due to fears that it will collapse forever or never rebound. As such, coupled with a global depression, a huge demand will appear for a reserve currency which is fundamentally different than the previous system. Bitcoin, though a currency or asset, is also a market. It also undergoes a constant price-probing process. Unlike traditional markets, Bitcoin has the exact opposite goal. Bitcoin seeks to appreciate in value and not depreciate. This has a quite different affect in that Bitcoin could potentially become worthless and have a price objective of zero.
Bitcoin was created in 2008 by a now famous mysterious figure known as Satoshi Nakamoto and its’ open source code was released in 2009. It was the first decentralized cryptocurrency to utilize a novel protocol known as the blockchain. Up to one megabyte of data may be sent with each transaction. It is decentralized, anonymous, transparent, easy to set-up, and provides myriad other benefits. Bitcoin is not backed up by anything other than its’ own technology.
Bitcoin is can never be expected to collapse as a framework, even were it to become worthless. The stock market has the potential to collapse in entirety, whereas, as long as the internet exists, Bitcoin will be a functional system with a self-authenticating framework. That capacity to persist regardless of the actual price of Bitcoin and the deflationary nature of Bitcoin means that it has something which fiat does not – inherent value.
Bitcoin is based on a distributed database known as the “blockchain.” Blockchains are essentially decentralized virtual ledger books, replete with pages known as “blocks.” Each page in a ledger is composed of paragraph entries, which are the actual transactions in the block.
Blockchains store information in the form of numerical transactions, which are just numbers. We can consider these numbers digital assets, such as Bitcoin. The data in a blockchain is immutable and recorded only by consensus-based algorithms. Bitcoin is cryptographic and all transactions are direct, without intermediary, peer-to-peer.
Bitcoin does not require trust in a central bank. It requires trust on the technology behind it, which is open-source and may be evaluated by anyone at any time. Furthermore, it is impossible to manipulate as doing so would require all of the nodes in the network to be hacked at once – unlike the stock market which is manipulated by the government and “Market Makers”. Bitcoin is also private in that, though the ledge is openly distributed, it is encrypted. Bitcoin’s blockchain has one of the greatest redundancy and information disaster recovery systems ever developed.
Bitcoin has a distributed governance model in that it is controlled by its’ users. There is no need to trust a payment processor or bank, or even to pay fees to such entities. There are also no third-party fees for transaction processing. As the ledge is immutable and transparent it is never possible to change it – the data on the blockchain is permanent. The system is not easily susceptible to attacks as it is widely distributed. Furthermore, as users of Bitcoin have their private keys assigned to their transactions, they are virtually impossible to fake. No lengthy verification, reconciliation, nor clearing process exists with Bitcoin.
Bitcoin is based on a proof-of-work algorithm. Every transaction on the network has an associated mathetical “puzzle”. Computers known as miners compete to solve the complex cryptographic hash algorithm that comprises that puzzle. The solution is proof that the miner engaged in sufficient work. The puzzle is known as a nonce, a number used only once. There is only one major nonce at a time and it issues 12.5 Bitcoin. Once it is solved, the fact that the nonce has been solved is made public.
A block is mined on average of once every ten minutes. However, the blockchain checks every 2,016,000 minutes (approximately four years) if 201,600 blocks were mined. If it was faster, it increases difficulty by half, thereby deflating Bitcoin. If it was slower, it decreases, thereby inflating Bitcoin. It will continue to do this until zero Bitcoin are issued, projected at the year 2140. On the twelfth of May, 2020, the blockchain will halve the amount of Bitcoin issued when each nonce is guessed. When Bitcoin was first created, fifty were issued per block as a reward to miners. 6.25 BTC will be issued from that point on once each nonce is solved.
Unlike fiat, Bitcoin is a deflationary currency. As BTC becomes scarcer, demand for it will increase, also raising the price. In this, BTC is similar to gold. It is predictable in its’ output, unlike the USD, as it is based on a programmed supply. We can predict BTC’s deflation and inflation almost exactly, if not exactly. Only 21 million BTC will ever be produced, unless the entire network concedes to change the protocol – which is highly unlikely.
Some of the drawbacks to BTC include congestion. At peak congestion, it may take an entire day to process a Bitcoin transaction as only three to five transactions may be processed per second. Receiving priority on a payment may cost up to the equivalent of twenty dollars ($20). Bitcoin mining consumes enough energy in one day to power a single-family home for an entire week.

Trading or Investing?

The fundamental divide in trading revolves around the question of market structure. Many feel that the market operates totally randomly and its’ behavior cannot be predicted. For the purposes of this article, we will assume that the market has a structure, but that that structure is not perfect. That market structure naturally generates chart patterns as the market records prices in time. In order to determine when the stock market will crash, causing a major decline in BTC price, we will analyze an instrument, an exchange traded fund, which represents an index, as opposed to a particular stock. The price patterns of the various stocks in an index are effectively smoothed out. In doing so, a more technical picture arises. Perhaps the most popular of these is the SPDR S&P Standard and Poor 500 Exchange Traded Fund ($SPY).
In trading, little to no concern is given about value of underlying asset. We are concerned primarily about liquidity and trading ranges, which are the amount of value fluctuating on a short-term basis, as measured by volatility-implied trading ranges. Fundamental analysis plays a role, however markets often do not react to real-world factors in a logical fashion. Therefore, fundamental analysis is more appropriate for long-term investing.
The fundamental derivatives of a chart are time (x-axis) and price (y-axis). The primary technical indicator is price, as everything else is lagging in the past. Price represents current asking price and incorrectly implementing positions based on price is one of the biggest trading errors.
Markets and currencies ordinarily have noise, their tendency to back-and-fill, which must be filtered out for true pattern recognition. That noise does have a utility, however, in allowing traders second chances to enter favorable positions at slightly less favorable entry points. When you have any market with enough liquidity for historical data to record a pattern, then a structure can be divined. The market probes prices as part of an ongoing price-discovery process. Market technicians must sometimes look outside of the technical realm and use visual inspection to ascertain the relevance of certain patterns, using a qualitative eye that recognizes the underlying quantitative nature
Markets and instruments rise slower than they correct, however they rise much more than they fall. In the same vein, instruments can only fall to having no worth, whereas they could theoretically grow infinitely and have continued to grow over time. Money in a fiat system is illusory. It is a fundamentally synthetic instrument which has no intrinsic value. Hence, the recent seemingly illogical fluctuations in the market.
According to trade theory, the unending purpose of a market or instrument is to create and break price ranges according to the laws of supply and demand. We must determine when to trade based on each market inflection point as defined in price and in time as opposed to abandoning the trend (as the contrarian trading in this sub often does). Time and Price symmetry must be used to be in accordance with the trend. When coupled with a favorable risk to reward ratio, the ability to stay in the market for most of the defined time period, and adherence to risk management rules; the trader has a solid methodology for achieving considerable gains.
We will engage in a longer term market-oriented analysis to avoid any time-focused pressure. The Bitcoin market is open twenty-four-hours a day, so trading may be done when the individual is ready, without any pressing need to be constantly alert. Let alone, we can safely project months in advance with relatively high accuracy. Bitcoin is an asset which an individual can both trade and invest, however this article will be focused on trading due to the wide volatility in BTC prices over the short-term.

Technical Indicator Analysis of Bitcoin

Technical indicators are often considered self-fulfilling prophecies due to mass-market psychology gravitating towards certain common numbers yielded from them. They are also often discounted when it comes to BTC. That means a trader must be especially aware of these numbers as they can prognosticate market movements. Often, they are meaningless in the larger picture of things.
  • Volume – derived from the market itself, it is mostly irrelevant. The major problem with volume for stocks is that the US market open causes tremendous volume surges eradicating any intrinsic volume analysis. This does not occur with BTC, as it is open twenty-four-seven. At major highs and lows, the market is typically anemic. Most traders are not active at terminal discretes (peaks and troughs) because of levels of fear. Volume allows us confidence in time and price symmetry market inflection points, if we observe low volume at a foretold range of values. We can rationalize that an absolute discrete is usually only discovered and anticipated by very few traders. As the general market realizes it, a herd mentality will push the market in the direction favorable to defending it. Volume is also useful for swing trading, as chances for swing’s validity increases if an increase in volume is seen on and after the swing’s activation. Volume is steadily decreasing. Lows and highs are reached when volume is lower.
Therefore, due to the relatively high volume on the 12th of March, we can safely determine that a low for BTC was not reached.
  • VIX – Volatility Index, this technical indicator indicates level of fear by the amount of options-based “insurance” in portfolios. A low VIX environment, less than 20 for the S&P index, indicates a stable market with a possible uptrend. A high VIX, over 20, indicates a possible downtrend. VIX is essentially useless for BTC as BTC-based options do not exist. It allows us to predict the market low for $SPY, which will have an indirect impact on BTC in the short term, likely leading to the yearly low. However, it is equally important to see how VIX is changing over time, if it is decreasing or increasing, as that indicates increasing or decreasing fear. Low volatility allows high leverage without risk or rest. Occasionally, markets do rise with high VIX.
As VIX is unusually high, in the forties, we can be confident that a downtrend for the S&P 500 is imminent.
  • RSI (Relative Strength Index): The most important technical indicator, useful for determining highs and lows when time symmetry is not availing itself. Sometimes analysis of RSI can conflict in different time frames, easiest way to use it is when it is at extremes – either under 30 or over 70. Extremes can be used for filtering highs or lows based on time-and-price window calculations. Highly instructive as to major corrective clues and indicative of continued directional movement. Must determine if longer-term RSI values find support at same values as before. It is currently at 73.56.
  • Secondly, RSI may be used as a high or low filter, to observe the level that short-term RSI reaches in counter-trend corrections. Repetitions based on market movements based on RSI determine how long a trade should be held onto. Once a short term RSI reaches an extreme and stay there, the other RSI’s should gradually reach the same extremes. Once all RSI’s are at extreme highs, a trend confirmation should occur and RSI’s should drop to their midpoint.

Trend Definition Analysis of Bitcoin

Trend definition is highly powerful, cannot be understated. Knowledge of trend logic is enough to be a profitable trader, yet defining a trend is an arduous process. Multiple trends coexist across multiple time frames and across multiple market sectors. Like time structure, it makes the underlying price of the instrument irrelevant. Trend definitions cannot determine the validity of newly formed discretes. Trend becomes apparent when trades based in counter-trend inflection points continue to fail.
Downtrends are defined as an instrument making lower lows and lower highs that are recurrent, additive, qualified swing setups. Downtrends for all instruments are similar, except forex. They are fast and complete much quicker than uptrends. An average downtrend is 18 months, something which we will return to. An uptrend inception occurs when an instrument reaches a point where it fails to make a new low, then that low will be tested. After that, the instrument will either have a deep range retracement or it may take out the low slightly, resulting in a double-bottom. A swing must eventually form.
A simple way to roughly determine trend is to attempt to draw a line from three tops going upwards (uptrend) or a line from three bottoms going downwards (downtrend). It is not possible to correctly draw a downtrend line on the BTC chart, but it is possible to correctly draw an uptrend – indicating that the overall trend is downwards. The only mitigating factor is the impending stock market crash.

Time Symmetry Analysis of Bitcoin

Time is the movement from the past through the present into the future. It is a measurement in quantified intervals. In many ways, our perception of it is a human construct. It is more powerful than price as time may be utilized for a trade regardless of the market inflection point’s price. Were it possible to perfectly understand time, price would be totally irrelevant due to the predictive certainty time affords. Time structure is easier to learn than price, but much more difficult to apply with any accuracy. It is the hardest aspect of trading to learn, but also the most rewarding.
Humans do not have the ability to recognize every time window, however the ability to define market inflection points in terms of time is the single most powerful trading edge. Regardless, price should not be abandoned for time alone. Time structure analysis It is inherently flawed, as such the markets have a fail-safe, which is Price Structure. Even though Time is much more powerful, Price Structure should never be completely ignored. Time is the qualifier for Price and vice versa. Time can fail by tricking traders into counter-trend trading.
Time is a predestined trade quantifier, a filter to slow trades down, as it allows a trader to specifically focus on specific time windows and rest at others. It allows for quantitative measurements to reach deterministic values and is the primary qualifier for trends. Time structure should be utilized before price structure, and it is the primary trade criterion which requires support from price. We can see price structure on a chart, as areas of mathematical support or resistance, but we cannot see time structure.
Time may be used to tell us an exact point in the future where the market will inflect, after Price Theory has been fulfilled. In the present, price objectives based on price theory added to possible future times for market inflection points give us the exact time of market inflection points and price.
Time Structure is repetitions of time or inherent cycles of time, occurring in a methodical way to provide time windows which may be utilized for inflection points. They are not easily recognized and not easily defined by a price chart as measuring and observing time is very exact. Time structure is not a science, yet it does require precise measurements. Nothing is certain or definite. The critical question must be if a particular approach to time structure is currently lucrative or not.
We will measure it in intervals of 180 bars. Our goal is to determine time windows, when the market will react and when we should pay the most attention. By using time repetitions, the fact that market inflection points occurred at some point in the past and should, therefore, reoccur at some point in the future, we should obtain confidence as to when SPY will reach a market inflection point. Time repetitions are essentially the market’s memory. However, simply measuring the time between two points then trying to extrapolate into the future does not work. Measuring time is not the same as defining time repetitions. We will evaluate past sessions for market inflection points, whether discretes, qualified swings, or intra-range. Then records the times that the market has made highs or lows in a comparable time period to the future one seeks to trade in.
What follows is a time Histogram – A grouping of times which appear close together, then segregated based on that closeness. Time is aligned into combined histogram of repetitions and cycles, however cycles are irrelevant on a daily basis. If trading on an hourly basis, do not use hours.
  • Yearly Lows (last seven years): 1/1/13, 4/10/14, 1/15/15, 1/17/16, 1/1/17, 12/15/18, 2/6/19
  • Monthly Mode: 1, 1, 1, 1, 2, 4, 12
  • Daily Mode: 1, 1, 6, 10, 15, 15, 17
  • Monthly Lows (for the last year): 3/12/20 (10:00pm), 2/28/20 (7:09am), 1/2/20 (8:09pm), 12/18/19 (8:00am), 11/25/19 (1:00am), 10/24/19 (2:59am), 9/30/19 (2:59am), 8/29,19 (4:00am), 7/17/19 (7:59am), 6/4/19 (5:59pm), 5/1/19 (12:00am), 4/1/19 (12:00am)
  • Daily Lows Mode for those Months: 1, 1, 2, 4, 12, 17, 18, 24, 25, 28, 29, 30
  • Hourly Lows Mode for those Months (Military time): 0100, 0200, 0200, 0400, 0700, 0700, 0800, 1200, 1200, 1700, 2000, 2200
  • Minute Lows Mode for those Months: 00, 00, 00, 00, 00, 00, 09, 09, 59, 59, 59, 59
  • Day of the Week Lows (last twenty-six weeks):
Weighted Times are repetitions which appears multiple times within the same list, observed and accentuated once divided into relevant sections of the histogram. They are important in the presently defined trading time period and are similar to a mathematical mode with respect to a series. Phased times are essentially periodical patterns in histograms, though they do not guarantee inflection points
Evaluating the yearly lows, we see that BTC tends to have its lows primarily at the beginning of every year, with a possibility of it being at the end of the year. Following the same methodology, we get the middle of the month as the likeliest day. However, evaluating the monthly lows for the past year, the beginning and end of the month are more likely for lows.
Therefore, we have two primary dates from our histogram.
1/1/21, 1/15/21, and 1/29/21
2:00am, 8:00am, 12:00pm, or 10:00pm
In fact, the high for this year was February the 14th, only thirty days off from our histogram calculations.
The 8.6-Year Armstrong-Princeton Global Economic Confidence model states that 2.15 year intervals occur between corrections, relevant highs and lows. 2.15 years from the all-time peak discrete is February 9, 2020 – a reasonably accurate depiction of the low for this year (which was on 3/12/20). (Taking only the Armstrong model into account, the next high should be Saturday, April 23, 2022). Therefore, the Armstrong model indicates that we have actually bottomed out for the year!
Bear markets cannot exist in perpetuity whereas bull markets can. Bear markets will eventually have price objectives of zero, whereas bull markets can increase to infinity. It can occur for individual market instruments, but not markets as a whole. Since bull markets are defined by low volatility, they also last longer. Once a bull market is indicated, the trader can remain in a long position until a new high is reached, then switch to shorts. The average bear market is eighteen months long, giving us a date of August 19th, 2021 for the end of this bear market – roughly speaking. They cannot be shorter than fifteen months for a central-bank controlled market, which does not apply to Bitcoin. (Otherwise, it would continue until Sunday, September 12, 2021.) However, we should expect Bitcoin to experience its’ exponential growth after the stock market re-enters a bull market.
Terry Laundy’s T-Theory implemented by measuring the time of an indicator from peak to trough, then using that to define a future time window. It is similar to an head-and-shoulders pattern in that it is the process of forming the right side from a synthetic technical indicator. If the indicator is making continued lows, then time is recalculated for defining the right side of the T. The date of the market inflection point may be a price or indicator inflection date, so it is not always exactly useful. It is better to make us aware of possible market inflection points, clustered with other data. It gives us an RSI low of May, 9th 2020.
The Bradley Cycle is coupled with volatility allows start dates for campaigns or put options as insurance in portfolios for stocks. However, it is also useful for predicting market moves instead of terminal dates for discretes. Using dates which correspond to discretes, we can see how those dates correspond with changes in VIX.
Therefore, our timeline looks like:
  • 2/14/20 – yearly high ($10372 USD)
  • 3/12/20 – yearly low thus far ($3858 USD)
  • 5/9/20 – T-Theory true yearly low (BTC between 4863 and 3569)
  • 5/26/20 – hashrate difficulty halvening
  • 11/14/20 – stock market low
  • 1/15/21 – yearly low for BTC, around $8528
  • 8/19/21 – end of stock bear market
  • 11/26/21 – eighteen months from halvening, average peak from halvenings (BTC begins rising from $3000 area to above $23,312)
  • 4/23/22 – all-time high
Taken from my blog: http://aliamin.info/2020/
submitted by aibnsamin1 to Bitcoin [link] [comments]

Morning Sheet for June 11th

For Trading JUNE 11th
FED DOES NOTHING
NASDAQ at Another New High!
U.S. DOLLAR CONTINUES TO WEAKEN
Today’s market was just another day dominated by FAANG stocks with new all-time highs from AAPL, MSFT, AMZN, TSLA, and NVDA. But the DJIA was all over the place, spending the first hour headed down to the low of the day -334 before working higher and then taking off to the upside after the FED announcement making the high +83 by 2:30 and then heading back and forth and settling -282.31 (1.04, NASDAQ +66.59 (.67%), S&P 500 -17.04 (.53%), the Russell -39.66 (2.63 and the DJ Transports -246 (2.51%). Internals were not as weak as the market looked with NYSE A/D 2.5:1 and NASDAQ 1.8:1. Volume was about average and the DJIA was 23 down and 7 up with AAPL adding 61 and MSFT 48 DPs while BA was the big loser -91 with AXP, JPM, GS, and TRV each lower by 31DP’s. The strength came from Information tech (FAANG) but the weakness came from energy, financials, industrials and real estate. Not a good looking day.
Our “open forum” on Discord, which allows me to interact with subscribers and others to allow direct questions and chart opinions on just about any stock, continues to grow with more participants every day. It is informative and allows me to share insights as the market is open and moving. The link is: https://discord.gg/ATvC7YZ and I will be there and active from before the open and all day. It’s a great place to share ideas and gain some insights, and we’ve grown to almost 1900 members. I also did this video titled “How to survive being an options trader and not blow up your account,” over the long weekend. I think it’s very informative as a guide to stock selection and option choices. The link is https://youtu.be/Y7H9RpWfLlo Enjoy!!
Tonight’s closing comment video https://youtu.be/XX4bgWZNtH8
SECTORS: The big news was no news from the FED, as expected. Rates fell slightly but the Financials fell hard. The forecasts for 2020 GDP (-6.5%) and 2021 (+5%) weren’t much of a surprise. The real news was Taubman (TCO) getting kicked to the curb by Simon Properties (SPG) and cancelling their marriage. The reaction was swift, sending TCO down to $26.70, but it finished $36.17 (9.08%) while SPG got less of a hit moving to $&* before it managed a close of $83.01 -3.46 (4%). This will not be a civil divorce. JP Morgan downgraded JBLU and UAL, sending JBLU down to $12.03 before coming back to $12.63 -1.58 (11.12%) and UAL to $38.30 before it too recovered a bit to $39.72 -4.92 (11.02%). The cruise lines were weaker with RCL to $63.59 -6.32 (9%), CCL $20.59 (-2.45 (11%), and the biggest loser NCLH $20.65 -3.48 (14%).
FOOD SUPPLY CHAIN was MIXED with BGS -.10, FLO -.12, CAG -.39, MDLZ +.16, KHC -.80, CALM -2.65, JJSF -2.20, SAFM +.06, LANC +.16, GO +1.20, HRL +.01, SJM +.07, PPC -.49 and PBJ 31.48 -.51 (1.59%).
BIOPHARMA was MIXED with BIIB +.62, ABBV +.98, REGN -2.59, ISRG +11.22, GILD -.58, MYL -1.25, TEVA -.68, VRTX +4.15, BHC -1.16, INCY +.05, ICPT -.68, LABU +.22 and IBB $133.38 +.47 (.35%).
CANNABIS: was LOWER with TLRY -.62, CGC -.32, CRON +.01, GWPH -3.74, ACB -.70, PYX -.65, NBEV -.08, CURLF +.06, KERN +.52 and MJ $14.85 -.14 (.93%).
DEFENSE was LOWER with LMT -6.96, GD -6.68, TXT -4.17, NOC -7.53, BWXT -.62, TDY -4.26, RTX -3.19, and ITA $181.08 -6.09 (3.25%).
RETAIL was LOWER with M -1.07, JWN -2.19, KSS -3.47, DDS -3.74, WMT -.44, TGT -1.47, TJX +1.78, RL -6.48, UAA -.73, LULU +4.45, TPR -1.10, CPRI -2.02, and XRT $43.20 -1.03 (2.33%).
FAANG and Big Cap: were HIGHER with GOOGL +8.27, AMZN +30.13, AAPL +7.01, FB -2.72, NFLX -1.95, NVDA +11.14, TSLA +68.83, BABA +1.78, BIDU +.21, CMG -15.47, CAT -4.01, BA -20.44, DIS -2.66 and XLK $103.63 +1.23 (1.20%).
FINANCIALS were LOWER with GS -7.24, JPM -6.64, BAC -2.13, MS -2.77, C -4.70, PNC -8.69, AIG -2.90, TRV -6.27, AXP -5.96, V -.08 and XLF $24.93 -1.24 (4.74%).
OIL, $39.60 +.66. Oil has managed to trade $40.44 yesterday and fell back to the 5-day MA and closed there. We then traded as low as 37.07 today before reversing late in the day and closing higher. Today’s close near the high didn’t help the stocks. They were lower and XLE was $42.29 -2.81 (6.23%).
METALS, GOLD: $1,720.70. After trading down to $1671 last week we had a bounce higher again today after testing the 1697 level. The action in the US$ is projecting higher prices for the metals, but it does not necessarily trade with the dollar on a day by day basis. Support is around Friday’s lows. We bought back the 3rd and final lot of NEM @ $58.86.
BITCOIN: closed $9,935 +130. After breaking down from just over 10,000 and trading as low as 8630 last Tuesday we have been clawing our way back toward 10,000. Last week we traded over $10500 but fell all the way back to the lows, but we’ve moved back toward $10,000. We added 350 shares of GBTC last Wednesday @ $10.02 to our position of 400 @ $8.06, bringing our average price to $8.97. GBTC closed $12.30 + .77 today.
Tomorrow is another day.
CAM
submitted by Dashover to OptionsOnly [link] [comments]

Morning Sheet for June 11th

For Trading JUNE 11th
FED DOES NOTHING
NASDAQ at Another New High!
U.S. DOLLAR CONTINUES TO WEAKEN
Today’s market was just another day dominated by FAANG stocks with new all-time highs from AAPL, MSFT, AMZN, TSLA, and NVDA. But the DJIA was all over the place, spending the first hour headed down to the low of the day -334 before working higher and then taking off to the upside after the FED announcement making the high +83 by 2:30 and then heading back and forth and settling -282.31 (1.04, NASDAQ +66.59 (.67%), S&P 500 -17.04 (.53%), the Russell -39.66 (2.63 and the DJ Transports -246 (2.51%). Internals were not as weak as the market looked with NYSE A/D 2.5:1 and NASDAQ 1.8:1. Volume was about average and the DJIA was 23 down and 7 up with AAPL adding 61 and MSFT 48 DPs while BA was the big loser -91 with AXP, JPM, GS, and TRV each lower by 31DP’s. The strength came from Information tech (FAANG) but the weakness came from energy, financials, industrials and real estate. Not a good looking day.
Our “open forum” on Discord, which allows me to interact with subscribers and others to allow direct questions and chart opinions on just about any stock, continues to grow with more participants every day. It is informative and allows me to share insights as the market is open and moving. The link is: https://discord.gg/ATvC7YZ and I will be there and active from before the open and all day. It’s a great place to share ideas and gain some insights, and we’ve grown to almost 1900 members. I also did this video titled “How to survive being an options trader and not blow up your account,” over the long weekend. I think it’s very informative as a guide to stock selection and option choices. The link is https://youtu.be/Y7H9RpWfLlo Enjoy!!
Tonight’s closing comment video https://youtu.be/XX4bgWZNtH8
SECTORS: The big news was no news from the FED, as expected. Rates fell slightly but the Financials fell hard. The forecasts for 2020 GDP (-6.5%) and 2021 (+5%) weren’t much of a surprise. The real news was Taubman (TCO) getting kicked to the curb by Simon Properties (SPG) and cancelling their marriage. The reaction was swift, sending TCO down to $26.70, but it finished $36.17 (9.08%) while SPG got less of a hit moving to $&* before it managed a close of $83.01 -3.46 (4%). This will not be a civil divorce. JP Morgan downgraded JBLU and UAL, sending JBLU down to $12.03 before coming back to $12.63 -1.58 (11.12%) and UAL to $38.30 before it too recovered a bit to $39.72 -4.92 (11.02%). The cruise lines were weaker with RCL to $63.59 -6.32 (9%), CCL $20.59 (-2.45 (11%), and the biggest loser NCLH $20.65 -3.48 (14%).
FOOD SUPPLY CHAIN was MIXED with BGS -.10, FLO -.12, CAG -.39, MDLZ +.16, KHC -.80, CALM -2.65, JJSF -2.20, SAFM +.06, LANC +.16, GO +1.20, HRL +.01, SJM +.07, PPC -.49 and PBJ 31.48 -.51 (1.59%).
BIOPHARMA was MIXED with BIIB +.62, ABBV +.98, REGN -2.59, ISRG +11.22, GILD -.58, MYL -1.25, TEVA -.68, VRTX +4.15, BHC -1.16, INCY +.05, ICPT -.68, LABU +.22 and IBB $133.38 +.47 (.35%).
CANNABIS: was LOWER with TLRY -.62, CGC -.32, CRON +.01, GWPH -3.74, ACB -.70, PYX -.65, NBEV -.08, CURLF +.06, KERN +.52 and MJ $14.85 -.14 (.93%).
DEFENSE was LOWER with LMT -6.96, GD -6.68, TXT -4.17, NOC -7.53, BWXT -.62, TDY -4.26, RTX -3.19, and ITA $181.08 -6.09 (3.25%).
RETAIL was LOWER with M -1.07, JWN -2.19, KSS -3.47, DDS -3.74, WMT -.44, TGT -1.47, TJX +1.78, RL -6.48, UAA -.73, LULU +4.45, TPR -1.10, CPRI -2.02, and XRT $43.20 -1.03 (2.33%).
FAANG and Big Cap: were HIGHER with GOOGL +8.27, AMZN +30.13, AAPL +7.01, FB -2.72, NFLX -1.95, NVDA +11.14, TSLA +68.83, BABA +1.78, BIDU +.21, CMG -15.47, CAT -4.01, BA -20.44, DIS -2.66 and XLK $103.63 +1.23 (1.20%).
FINANCIALS were LOWER with GS -7.24, JPM -6.64, BAC -2.13, MS -2.77, C -4.70, PNC -8.69, AIG -2.90, TRV -6.27, AXP -5.96, V -.08 and XLF $24.93 -1.24 (4.74%).
OIL, $39.60 +.66. Oil has managed to trade $40.44 yesterday and fell back to the 5-day MA and closed there. We then traded as low as 37.07 today before reversing late in the day and closing higher. Today’s close near the high didn’t help the stocks. They were lower and XLE was $42.29 -2.81 (6.23%).
METALS, GOLD: $1,720.70. After trading down to $1671 last week we had a bounce higher again today after testing the 1697 level. The action in the US$ is projecting higher prices for the metals, but it does not necessarily trade with the dollar on a day by day basis. Support is around Friday’s lows. We bought back the 3rd and final lot of NEM @ $58.86.
BITCOIN: closed $9,935 +130. After breaking down from just over 10,000 and trading as low as 8630 last Tuesday we have been clawing our way back toward 10,000. Last week we traded over $10500 but fell all the way back to the lows, but we’ve moved back toward $10,000. We added 350 shares of GBTC last Wednesday @ $10.02 to our position of 400 @ $8.06, bringing our average price to $8.97. GBTC closed $12.30 + .77 today.
Tomorrow is another day.
CAM
submitted by Dashover to options [link] [comments]

My wife is about to ruin me in the divorce. I am planning to liquidate everything and leave the country. Bring me to reality. [United States]

I will keep it short. I am a French citizen living inside the United States on a work permit. I thought I was in love with a woman and stupidly decided to get married. I do not want to make this a relationship post, but she ended up cheating on me multiple times. I am stupid so I have little evidence of this to show a court. We had a big fight when talking about getting divorced and she said she was going to take everything from me! We got married when I was a bit poorer, so I did not get a prenuptial. But now I make six figures as a programmer in California, but I am not worried about that too much. I own a significant portfolio of cryptocurrencies, and when bitcoin price went up in 2017 I told my wife about it. I never sold it, but I told her how much the value was at the time (5 million). If you follow cryptocurrency you probably know that bitcoin is worth half of that today. But in a divorce she will claim the I owe her 2.5 million! Even though the portfolio is worth less than that! Even if I proved the actual value of the cryptocurrency she will still want half, i don't want to give anything to the woman who hurt me so bad. So for this reason I have liquidated my 401K, IRA and bank account and converted all my bitcoin and liquid assets into an untraceable coin called monero. Then i'm going back to France and leaving America forever unfortunately. I am a French citizen, and France will not extradite their own. Once everything is settled, I should have enough to generate my current income through dividend stocks and buy a house in the country or I will live with my grandmother for a little. I will leave a note for my wife just so she doesn’t think I died. My flight leaves in two days in the dead of night. All I will take is my laptop, phone, and private keys to my cryptocurrency. I think I will give my grandmother a good shock when she sees me haha.
The reason I write all this is because I understand I am very emotional right now, and I figure the people on this website are not. I have already made some hard to reverse choices financially, but my main concerns are legal. I understand that my wife will begin divorce proceedings but will I still have a legal requirement to pay her anything? And if i do have to what are the consequences of never paying her as a citizen of France? I fear I may be too deep to be talked down but I will read the comments regardless.
For reference me and my wife are in our late 20s my grandmother is 79.
I am sorry for poor English
Edit:
For those curious. I have consulted French and American lawyers. I will leave as planned tomorrow. I will not leave a note, and i will pay US taxes! I'm going to live with my grandmother for the foreseeable future as I recover emotionally. I am very happy with this decision. I miss France, my family, and i started to be unhappy at my job. Thank you Reddit for the advice!
Edit 2:
I made it back home and the first thing I did was meet my lawyer. We went over multiple legal scenarios and everyone was in my favor. The worst scenario would result in a 10,000 euro fine, but that would be rare. I will go back to using reddit from my normal account now, if anything significant happens I might do an update. But if this is my last edit assume the best!
submitted by vivafrance1789 to legaladvice [link] [comments]

How does one value bitcoin?

I want to start this post by saying I have nothing against investing in bitcoin I am actually just trying to understand how one determines buy and sell points. I am in the financial industry and both my most wealthy and most average clients ask me about bitcoin.

My question is how do you value bitcoin? Most investments you can evaluate cash flow, assets, executive teams. With real estate you can go based on the property size and other properties around you. Even other fiat currencies move with interest rates, GDP and what other currencies are doing. So how do you put a valuation on bitcoin and other crypto currencies?

Do you buy at certain market capitalization levels? Do you buy at certain price per coin? How do you determine that price?
submitted by OrgTheRobo to Bitcoin [link] [comments]

Developer-friendly guide to the Google "associated account ban" - advice to an iOS developer thinking about Android (misconceptions and alternatives for developers)

I received a query from an iOS developer thinking about developing for Android - and his concerns about the notorious "associated account ban" practice (by Google).
Since the exchange may be of wider use to new developers thinking about Android, I am providing it here - my reply and the comments others may post here should dispel some of the misconceptions about:
NOTE: I asked for permission from the iOS developer - which he granted - so that I could include his quoted text.
 
 
Hi! I'm a junior iOS developer that was looking into branching into Android. If you don't mind, may I ask you some questions about the associated account ban issue?
If you are just starting out with Android, i.e. this is your first account, you don't have to be concerned about the associated account ban issue.
This only becomes relevant if you have a ban - then this ban is percolated to all the other accounts that Google can get it's hands on - ones which it finds "could be you".
But sometimes it makes mistakes and can ban your friend, who may have opened his Google account from your computer, using your Wifi or from your home using your browser. There are examples of a company account being banned because their developer was banned, and the developer was banned not because of any fault of his, but because a friend of him had been banned some time ago for some previous infraction.
These types of bans are possible to get reversed, but usually take a lot of effort, and usually not through usual channels - what seems to work is posting on medium dot com with a convincing blog post that gets viral, and then sometimes Google will reverse. There are cases of account reinstatements after one year, but often it can be a week to a month.
In any case, this is needless disruption for a developer.
Usually app bans/account bans DO NOT lead to a Google account ban - BUT some developers have expressed fears that this could happen. I can't think of a case like that - I have a vague feeling it may have happened once perhaps but can't be sure.
But it DID definitely happen with Markiplier's YouTube fans - when he asked them to post emojis - and Google mass-banned a bunch of those who responded. Markiplier issued videos trying to get his followers' YouTube accounts restored - many were restored, but many weren't (may have been by now). This case was notable because these followers got their ENTIRE Google accounts - including Google Photos and other such personal stuff also account-banned. Thus was particularly egregious.
The alternative to going viral with blog post is to have legal representation - your lawyer sends them a warning letter - supposedly that also works reasonably well. We don't have too many documented public cases for this - but many commenters on androiddev sub-reddit have said that even just having your lawyer send a letter to Google at [email protected] (even though Google says it doesn't read e-mail sent there) - can get results. Again, I don't know of any particular cases that used this method - so cannot give much more insight on this type of appeal to Google.
 
 
  • Would it be possible to create a new identity separate from my old one? Suppose I buy a new phone and new phone number. Only use my mobile data and a new bank account to pay for stuff. The one thing I am not able to change is my location as I can't move out anytime soon.
Developers have been trying to create new accounts after account bans for many years - at least from what one reads on various forums.
So developers certainly do evade such bans - they seems to suggest using different internet WiFi, different Mac address for computer, different browser (so can't be tracked by cookies) and then using different credit card identity - so for example they may open an account in a relative's name.
But if that relative is your wife - who resides in the same place - you are likely to be associated eventually - and wife could suffer the fate of the husband (and the associated ban wouldn't be removed even after divorce!).
 
 
  • Would not opening a developer account be enough to avoid having my colleagues getting associated banned? I have a housemate that got banned, while I was lucky to not share WiFi with him we still stay in the same location. Not only that I have logged into my personal accounts using the office computer and WiFi. I also roughly believe an ex-colleague there might get banned for his personal app on the Play Store in the future. Is it too late to do anything to migitate any association at this point?
I don't know - we don't have the data to be that specific about whether a previous association between you and another dev (even before you actually created a Google account) would contribute towards yours (or his) associated ban.
If you are very enthusiastic about your Android project - you can proceed without bothering about associated account ban - since it is unlikely to affect 100 percent of developers everytime, you could take the risk. If something does happen, you deal with it.
But if it is low priority for you, and you would rather not endanger yourself, or your friends, you could consider not opening a Google developer account - and simply publishing on F-Droid, or even offering your APK via your website.
It gets trickier if you were planning to show ads or have in-app purchases - for ads there are ad providers other than Google Admob - but often they ask where your app is published on Google Play. But possibly it may not be a requirement - for example they may accept that you are only published on F-Droid - though I don't know how this reduces "developer cred" in the eyes of the advertiser (and if they pay less for advertising on such apps).
For in-app purchases, you could use payment processors like 2Checkout - which would allow you to process payments independent of any association with Google.
2Checkout has wider country coverage, but you could try Square and the other credit card processing companies which focus more for U.S. developers.
Some developers have anecdotally reported on androiddev sub-reddit that they are able to get good revenue for apps hosted on their website, and using third-party payment systems like 2Checkout etc. However, this will still be less than what you would get on Google Play Store (because of it's ubiquity/wide reach).
EDIT: xda-developers also seems to have an app store - though you don't hear much about it on androiddev. But it may be a good alternative to F-Droid (if you don't want to open source your app):
https://www.xda-developers.com/xda-labs/
In addition to accessing the forums, Labs contains an app distribution platform for both hobbyist and professional developers. With support for Alpha, Beta, and Stable release channels, developers get the utmost in control. We also have built-in commerce for devs that want to earn money for their work, and unlike Play, where developers only get 70% of app revenue, XDA lets developers keep 100% through PayPal or Bitcoin payment methods.
 
 
  • Despite all this I still want to develop Android apps and share them with people. Is hosting the apk on my personal site the next best thing besides the Play Store? Are there any other app stores I could try? I know there's F-Droid but I don't plan open-sourcing my apps.
Sorry if the message is too long. I don't see Google fixing this issue anytime soon and am just trying to find a way to publish Android apps despite the bleak situation.
There are other android app stores, but because Google forces manufacturers to include Google Play (as part of the Google suite of apps) - it has so far ensured that Google Play remains the dominant store.
Developers have anecdotally reported that they are able to get good sales on Amazon (not sure how it is these days) - overall volume is lower, but the revenue per user is higher, so the overall revenue is not bad, though still lower than for the version of their app on Google Play Store.
As an example, the Chinese market is hard for non-Chinese developers to get into (because of the certification/documentation requirements) - but even if you do that, there are a number of app stores (4 or 5 of the big ones - none of them are particularly dominant over the other). This is obviously an outcome of the fact that Google exited the China market earlier (a decision they may regret, but it has also affected/led to app store fragmentation). Chinese app stores also often have clone apps - so you may find that there already is a version of your app there - sometimes with different ad provider inserted, and sometimes may even seem very different (I have never tried to install the APK from those stores, but have tried to examine the APK contents and found differences).
So there is a negative to not having Google Play Store dominant - and there is a negative to Google Play Store being dominant as well!
The Chinese market has another emerging player - Huawei - they have had an app store (App Gallery - which ships with every Huawei device as well - and which you can download using an APK as well).
However, it has not gained much traction - the only reason I mention it is that it MAY become interesting in the future, since Huawei (for strategic/survival reasons) may have to invest in their app store at much higher levels now - in order to prepare for a future where they are totally excluded from the U.S. market, and cannot ship their devices with Google suite of apps (including Google Play Store).
Given Huawei is a multi-billion dollar company with big ambitions - their whole company future is dependent on this one thing - and so it makes sense that among all the app store contestants, if there is one which will have added impetus behind it, it will be a Huawei App Store (App Gallery). However, their execution thus far has not been exceptional - App Gallery is still anemic in terms of revenue according to some anecdotal reports by developers on androiddev sub-reddit. However that could change in the future, if Huawei's App Gallery implements even more developer friendly processes (for signup, and for in-app purchasing etc.).
 
 
iOS developer's response:
Thank you very much for the detailed reply! I guess I would choose not to create a new identity and just publish outside the app store. Google's ability to track someone feels like more than what I could handle. Hopefully some kind of government regulation or third party competition would appear to knock some sense into Google in the near future. All the best to you and thanks again for your help!
 
 
Asked for permission to use his quotes:
Sure, no problem. Feel free to quote/rephrase it any way you like. It would definitely be a great help to others who are worried about the issue.
 
 
 
 
FAQ - App Bans and Account Bans
 
 
When does a lifetime account ban occur ?
A Google Play account ban can occur due to an "associated account ban" - when Google thinks you are associated with someone else, and that someone else was awarded a lifetime account ban. That person's ban percolates to his associated accounts - i.e. you.
Thus if you become lifetime account banned by Google - you become a threat to your acquaintances, and to your company (and should not be put in charge of their Google Play account once you are lifetime account banned).
If you are not associated with anyone by Google - then your lifetime account ban will occur usually due to an accumulation of app bans.
A Google Play developer account ban IS a lifetime ban.
 
 
How many app bans are required to achieve a lifetime account ban ?
The conventional wisdom some time ago was that 3 app bans were usually what triggered a lifetime account ban.
But from anecdotal evidence from developers on androiddev, we now know:
  • a lifetime account ban can occur with just a single app ban (usually when you only have 1 app published)
  • a lifetime account ban can occur with your first Alpha app (one dev published his first app as an Alpha app - which Google considers as a published app - this app was banned for some reason - which triggered his lifetime account ban)
  • sometimes a lifetime account ban does not occur even after 3 app bans (happens if you have many apps - and some of them are seen by Google as high quality apps ?)
  • sometimes a lifetime account ban can occur as "one event" - these are based on a cascade of app bans (which happen in quick succession - usually because they all violate some recently introduced rule by Google) - this triggers an immediate lifetime account ban. As far as the developer is concerned, the series of events happens so fast that they seem to occur as one event (and there is no chance for them to stave off this attack).
As with most Google "rules" which suffer from the info asymmetry that makes for a "moral hazard" in Google vs partner dealings (app dev/Adsense/YouTubers):
 
 
Other observations about app bans and account bans
  • just as an app ban means a developer cannot get access to the information about his app (Description and other info he previously entered is now not visible to him), similarly if you are lifetime account banned, you lose access to the account information (which you may now need to mount a defence against Google's action).
  • app bans usually lack enough context for a developer to understand what caused them (this is an often cited observation by devs) - only in the simplest of cases is it clear what the cause was (in such cases Google DOES provlde a screenshot sometimes with the e-mail that makes clear (for example a button that takes user to your Google Play app page is not labelled). However, they will not tell you what to do to fix it - for this particular case, you need to add text "My Apps" or "Our Apps" to the button. So even in the cases where Google does give feedback about an app ban, it is so terse as to be more confusing than informative. Sometimes the app can be banned, but is then reinstated after the story goes viral (but not before) - in the case of FX File Explorer the app was reinstated without change: FX File Explorer removed from the Play Store for “deceptively” advertising…a free theme
  • an app ban is labelled as "Suspended" in your Google Developer Console listing for your app. Sometimes an app can be labelled "Update Suspended" - this means you still have time to fix the problem and upload another APK. However, the amount of time you have to fix this is indeterminate and unspecified - the app could transition from "Update Suspended" to "Suspended" at any time without further notice (i.e. permanent app ban).
  • if an app has been labelled "Removed" it means it is not available to users now. However, it's removal is NOT affecting the standing of your account (i.e. it is not an app ban, and not contributing towards an account ban). However, I am not sure what happens if too many of your apps are "Removed" - does it lower your resistance to an account ban i.e. you become like the vulnerable single app developers mentioned above - vulnerable to an account ban because of a single further app ban ?
  • sometimes an app ban can be reversed - we posted on reddit, and also appealed to the e-mail address in the e-mail we got for the app ban. The app moved from "Suspended" (app ban) to "Removed" (i.e. not affecting account standing).
  • sometimes a lifetime account ban can be reversed - usually after you have posted on medium dot com, and the blog post goes viral. Sometimes the accounts are reinstated after a few days, sometimes weeks, and in one known case after a year!
  • lifetime account bans generally DO NOT lead to a ban on your Google account (i.e. will not affect your Google Photos etc.) - however, there have been cases with YouTube account bans which DID affect ALL the Google account content (including Google Photos):
Markiplier's video asking Google that his followers's services still not restored:
Androiddev post:
 
 
Can a developer remove an app if he fears it's future ban may imperil his account ? (similarities to slave labor)
Google does not provide a way for an app developer to remove his app from Google Play.
A dev can only delete his app from Google Play IF it has been downloaded by zero users.
A dev CAN "unpublish" his app (from Pricing & Distribution section), however the app remains visible to existing users, and users who have paid for the app.
However apps you "unpublish" remain liable to app ban - for example an app that is no longer being updated by a developer can fall out of compliance with new rules which Google introduces each year (for example Google no longer honors it's "old apps will always work on newer android versions" compact - every year now apps have to comply with new targetSdkVersion requirements - which means older apps will break and eventually fall out of compliance at a steady pace).
Devs do occasionally neglect their apps (they may be a hobbyist, a scientists, or simply is swamped by new projects, or the old app may no longer be profitable for them to maintain). However such developers may find that Google is forcing them to update their apps which they have no incentive to update any more.
Google uses the threat of a lifetime account ban to COMPEL these developers to keep updating their apps (even when devs want not to do so).
This is a type of compulsion - reminiscent of slave labor - where work is demanded without promise of compensation, or advantage to the worker.
Essentially a developer once published on Google Play, faces the prospect of lifetime obligation to Google.
This is odd, given that Google has in the past portrayed itself as an intermediary between the developer and the user, and not as the actual seller of the app - if so it seems odd that Google feels responsible for enforcing a relationship between developer and user. Perhaps Google now does act as actual selleprovider of apps - given that it now also collects taxes directly for more territories (?)
Recently there was a comment by a Googler (which was also carried by androidpolice) that unpublishing an app will not expose an app to app ban, but that such apps will eventually be "Removed" (as in our app above - see second link at top - ie Removed apps don't put account standing at risk). The androidpolice artice was based on the comment, while the Google commenter was himself at odds with Google docs and said he will get back with others at Google about the discrepancy:
Here is the original reddit comment that whole androidpolice article is using as source:
 
 
What is an "associated account ban" ?
Google's practice of lifetime bans for android developers - bans which percolate from acquaintance to acquaintance. In all likelihood a wife would face an immediate ban if her husband has already been banned - this association would survive divorce:
An lifetime account ban thus risks making a pariah out of a dev as any potential employer may fear tainting their company account and the accompanying hassle if they hire a tainted developer. Thus the early crimes of a dev could become a lifelong "Scarlet Letter".
 
 
Why is the Google appeal process flawed ?
Android developers, once banned, are banned for life - and the only reliable way to get account reinstated is for developer to blog post on medium dot com and achieve virality. Then somehow Google is convinced that the developer's issue has been vetted (for free by the public!) and often restores the account. Even for restored accounts, developers often report that they never found out what led to the account ban in the first place.
Essentially no human at Google can countermand a Google bot's decision - probably because it is a neural net or uses fuzzy rules to decide - which means it is not explainable in human terms.
Google also uses secrecy argument - they need secrecy about why they did something to avoid being "gamed" - i.e. they are afraid their automated processes, once known would be easily exploited - as a loophole in an automated system could be used repeatedly, possibly without detection by Google. Google uses this secrecy argument for Adsense and it's other services as well - where Google partners can be banned without them knowing exactly why that happened.
This developer has created a whole website to document the misbehavior of Google regarding his AdSense account:
As with most Google "rules" which suffer from the info asymmetry that makes for a "moral hazard" in Google vs partner dealings (app dev/Adsense/YouTubers):
 
 
Can a lifetime account ban (developer) lead to a GENERAL Google account ban (Google Photos etc.) ?
Lifetime account bans generally DO NOT lead to a ban on your Google account (i.e. will not affect your Google Photos etc.) - however, there have been cases with YouTube account bans which DID affect ALL the Google account content (including Google Photos):
Markiplier's video asking Google that his followers's services still not restored:
Androiddev post:
 
 
Threats to hobbyist devs and open source developers
Right now the old advice to new devs to publish early with their test apps, and to do it with abandon is totally the wrong advice now. Generations of android tutorials are hopelessly out of tune with that old advice.
The current conventional wisdom is to publish carefully, and sparingly with apps which can be supported by the new dev.
If dev cannot commit to that, they should not post their hobbyists apps to Google Play. This is sound advice to the new hobbyist dev, and to the budding independent dev - if they value their lifetime cred with Google.
It may surprise you but now even open source app developers are under threat - the other developers who copy and publish with their code are rendering the original app under threat.
 
 
submitted by stereomatch to androiddev [link] [comments]

A casual calculation on the worth of our space bitcoins

TL;DR 1 spacebitcoin ~= $10,000
Reasoning:
In EVE Online, the primary currency: ISK is indicated consistently in lore and inconsistently in game to be worth many, many times the planetary equivalent of a US Dollar, so how much is Starsector’s space bitcoin worth? As our commodity items are abstracted inventory without concrete weight or volume, they’re not very meaningful for comparison. However, as the setting’s ships are effectively modern navies IN SPACE, one can draw comparisons even taking into account the vast technology gap on a basis of one modern naval frigate = one space frigate.
Keep in mind, this is a measure of buying power, not relative value. While nanoforges and automation means that spaceships are cheaper, this also applies to everything else such as food, clothing, and tripads, so it’s safe to assume that a spaceship is as relatively expensive to consumer goods as navy warships are today.
Going by sources I glanced at online, a 1970’s era frigate such as the Duke class or the Oliver Perry class costs roughly 120-150 million in USD. (Disregard the German example, it has 3 times the crew of other countries’ frigates and carries way more ordinance). With a 21st century Freedom-class LCS coming in at roughly 360 million USD (it even has drone capacity!), one can compare the 70’s frigates to the low-tech Lasher (17700 credits on the market usually, 12000 base) and the Freedom-class with the Tempest (44000 credits, 40000 base). Accounting for the seller profit, this roughly works out to each credit being the equivalent of $10000-11000 USD, give or take. While their crew complements are twice as large, the large-scale automation in SS makes up the difference.
Implications:
This means that you start off the game with a small loan of $200 million, while the Galatia Academy pays you a stipend $150 million a month for 2 years. While this seems like a lot, the Galatia Academy is run by the Hegemony, which has many planets worth of tax income, and their total stipend comes out to $3.6 billion, roughly the net worth of a single small-medium sized tech company or roughly 25% of a Ford-Class nuclear carrier. It’s probably the right reward for someone risking their life to save the country’s research hub and the world’s most prestigious university, by comparison.
Crew members are paid a LOT. At 10 bitcoins -> $100,000 a month, they are paid 2-3 times as much as what surgeons make today. No wonder there’s no shortage of highly-trained blokes willing to risk dying on salvaging accidents, performing head-on attacks in fighter craft against Onslaughts and exploring planets where lava spouts come out of the ground regularly. One can retire comfortably after 1-2 years of service if they survive, and the captain is responsible for your room and board until then. It’s probably good to interpret your crew cargo as a collection of filled jobs, the holder being different people every few years as old crew regularly retire planetside with their millions and new ones take the job. The $500,000 initial payment is likely some form of transferrable insurance deposit, like in EVE, so even if they die in under a month their families can get something out of it.
For colonies: A heavy industry requires $5 billion to build, $3 billion for a space elevator and associated additional industrial modules, and $900,000 a month worth of upkeep. This is TINY for a planetary-scale combined supplies/weaponry/industrial machinery/starship manufacturer that regularly poops out ships more expensive than that, as single modern CPU factories cost more than that to startup and maintain. This strongly suggests that most of the costs and thus shares in the industries are offloaded planetside, which also helps explain why the player “only” receives 88k-120kish credits ($880 million/1.2 billion > $10.5 billion/14.4 billion) from a well-developed size 8 colony which has the population of the US (Projected 2020 tax revenue 3.6 trillion) - The vast majority of colony revenue are re-invested or paid out planetside, and your dividends come out to 0.2-0.3% of revenue. Assuming a very simplified payout system, and using the S&P’s average dividend ratio of 30%, you own a roughly 1% non-tradeable share in the industries you fund in exchange for being effectively a corporate dictator for life, which is tiny between Bezos’s pre-divorce 16% share in Amazon and Bill Gate’s 24% share in Microsoft, making you a powerful but very not-invested space CEO. However, this means the payout ratio is much higher at lower colony sizes, as your income grows linearly while the colony grows exponentially, so it’s not all bad.
This also explains why the thousand crew you send down to seed a new colony do it without complaint. Assuming they get a 10% stake of the remaining 99% stock distributed amongst themselves (startups generally give 5-20% total to team members), a healthy habitable colony that grows to size 8 or so leaves them with 100-200 billion USD in stock, or 10 million spacebux. Rest of it is sold off as needed to grow the place.
Food: A single unit of food cargo is worth $200,000 base = 40 tons of beef or 3200 tons of dried corn. However, as they are described as packaged and preserved foods, MREs are probably the better comparison. With approximately a box of 12 costing $60, a unit of average food contains 40,000 space MREs, enough to feed a single person for over a lifetime, or 100 people for a year (most likely, as the food is rated for five years of storage). If one were to cheapen it to $1 space Ramen instead, that feeds five unhappy people for over a lifetime. As an Atlas-class can carry 2000 units a trip and using the 108 ~= US pop comparison, this means that a planet like Chicomoztoc needs at least 300 Atlas food deliveries per year worth of ramen to not starve, and 1500 deliveries to not riot. Going to the extreme, if the food is all corn-priced nutrient paste, like my prisoner camp in Rimworld, then just 187 Atlas trips are needed to supply 2 tons of paste per person.
submitted by Shitposting_Skeleton to starsector [link] [comments]

Lessons learned - Crypto and Divorce - In January I was a millionaire thanks to BTC, then my wife divorces me and now I have $30,000 AMA

Crossreferencing u/nanoissuperior He wrote earlier today: https://www.reddit.com/CryptoCurrency/comments/a3n6uw/in_january_i_was_a_millionaire_thanks_to_nano_now/
Title: In January I was a millionaire thanks to Nano, now I have $25,000 AMA

I was replying to his post, but my reply ended up being a bit too large as a reply and steered off-topic, albeit an interesting one. So I decided to make it its own post, because there may be a good lessons to be learned and hoping some will come forward with good information to be shared.
I hope it can help anyone on this sub avoid the costly mistakes that I made. Here it goes: FLAIR: LEGAL (not in the list)
----
u/nanoissuperior are you who I think you are? I won't give out any further identifying clues, but I happen to know someone in the exact same position that could have written that exact same headline. If you read the first paragraph, you'll know if you know me.
The person I know bought Nano really early, based on a tip from a friend. I got in much later. By the time he told me it had already spiked to the $5 range, when I ended up buying. I then sold in the $20's so it was a good buy nonetheless. We were former colleagues at a large, large software company somewhere in the PNW, I left the company to venture out on my own and try to launch some projects I had in mind and relocated overseas for a few years. We lost contact with each other during my time away, but we connected again during the market runup and started exchanging coin information on a daily basis during the big bull run of late 2017. That was a crazy time.... the market trend was a few degrees short of vertical for pretty much all coins!

Hey, guess what? Now that I think about it, I could have written that same headline myself! In January 2018 I was a Millionaire too! Not with Nano, but thanks to purchasing a good chunk of Bitcoin in 2011 at $1.20 each. I ended up a single digit millionaire with what I had left in Bitcoin around January of 2018.
And, just like you, today, from all that wealth, I have about $30.000 left, with little to show for. Can we call that even? Although my disaster was not caused entirely by market fluctuation; Mine is a more complex story and I am going to mention it, because hopefully, it could serve as a lesson to be learned for any crypto holder out there, so they don't make the make mistake I made: Don't trust anyone. Always be skeptical and watch out for your own interests. Anyhow, here it goes:
After 5 years overseas, I had enough and wanted to come back to the States. My wife stated her preference to stay abroad, but eventually, she conceded albeit reluctantly. We chose a small town in CO to settle, and landed in November of 2017. We had plans to settle down and considered purchasing a home with my/our new fortune, based on the market price during that period. At the same time, I was also hesitant about the inherent tax payments due caused by such large liquidation. I was trying to have to pay taxes as far away as possible. So, I decided to wait till New Year's Eve and started liquidating my crypto on January 1st, 2018 right after midnight. This way, I would have 16 months (till April, 2019) to pay any capital gains taxes, and I was confident at the time that the market would give me that for free, especially at the pace that it was going. I have been an early adopter and have since then acquired the high levels of verification and trading limits per week, with many exchanges, but for a large sum like this, I needed several separate transactions, over the course of several weeks, especially wanting to do it with a US-based exchange that was linked to a US bank accounts, to avoid overseas wire transfers, meaning more fees. (Yes, I did look at all OTC options, but for reasons not relevant to the story, I couldn't make it happen, so I had to use the traditional Exchange channels for asset liquidation).
My wife and I, initially had some fundamental disagreements on the gross amount to be spent and the type of property we should be purchasing. I wanted a smaller place, with a denser, younger community, where there'd be kids our son's age for him to play. She insisted that we should go big; we had been traveling for so many years, and we had not been able to call any of our past residences our home. It was time to settle and nest; She convinced me that we should own a property of our own that we would be proud of living in for years. One that we could own outright and would not easily outgrow. We ended up splurging and purchased in cash two luxury cars for ourselves and set our sights on a large dream house in the city's Golf & Country Club, free and clear, for us and our two kids. I don't even play golf, nor do I even like it, but, if it makes her happy and it is within the safe margins of making it happen, I figured, why not? My concerns were largely financial and the numbers were adding up. It was a bit tight against my personal safe margins, but, at the same time, I was imagining to never have to make, or even have to think about, a car or home mortgage payment ever again! Bitcoin is on a roll and there is no sign of it stopping. Fine. Let's do it, before I change my mind.
Now, I admit I was extremely lucky with choosing the time of when to sell the assets. I had no clue the market would take a dive in February, and so it seemed to many that I had timed the market perfectly, selling most of my coins in the first two weeks of January of 2018. Many called me a genius for selling at the very top, as if I had some sort of wisdom to know when it would drop; the truth is much less flattering; it was nothing but dumb luck, based on me wanting to pay taxes in 2018 and defer to 2019. Awesome, well done! Yeah? well, slow down, son, not so fast.
So, I gather the 7-digit lumpsum in January 2018 and we write a check for the full amount at closing in February on the property of her dreams. A property that could easily be showcased on a luxury Real Estate magazine cover. Also, remember we had just moved back to the United States with just a few suitcases each from overseas. We had no furniture, kitchenware, curtains, TV's, bed sheets, winter clothing and so many other essential things that one usually purchases over time, but which we now had to purchase all at once. Not a problem, Bitcoin had dropped slightly but still well above $15k, I believe, at the time. And, earlier, in January, I had diligently taken this expense into account and effortlessly set aside a small fortune for equipping such a large house with everything we would ever need, brand new. It seemed we were protagonists of one of the Home Makeover Shows.
Finally, after working day and night, prepping the house non-stop for days and when every piece of furniture had finally arrived, been unpacked and carried to its corresponding room, it seemed most of the essentials were in place and the hard work was done. I longed for pouring myself a Scotch and to finally sit down and enjoy the fruits of my labor. I head downstairs to the dedicated walk-in, cigar-humidor / wine / Scotch cellar in the basement and grab the better bottle of Whisky of the few bottles of Scotch that I had bought earlier in the week. On my way up, I remember feeling a sense of calm, combined with a glow of excitement and this undescribable profound inner peace, all at once. This was such a rare, natural, non-drug induced high that I had never experienced. It felt so good! This sense of accomplishment of achieving that one thing I had been chasing and longing for my entire life. I had expected I would be chasing this goal for the next 15-20 years, and yet, here it was. No, where I was, was even better than expected! A place where not even my parents, who still have to make their monthly mortgage payments. I had done it! With a smile from ear to ear, I take a deep breath of relief and while looking around the property, I think to myself: "It's perfect, everything is in place and I can finally call this our home. We are so lucky and we are going to live a great life. A life that few can only dream of. So many concerns will be lifted and become redundant. Everything will be better. I'll start a fire in one of our two fireplaces and I am going to begin enjoying my semi-retired life with the first sip of my drink. That will be the official start of our new life".
I head over to the kitchen to get a glass and some ice cubes, while I struggle to find which one is the freezer among the many drawers in the kitchen. It was then when I notice a handwritten note placed front and center on the kitchen counter. It is from my wife and read: "There is no easy way to say this, so I am just going to say it..... I want to legally divorce [ ...]". It continued saying that she had taken our son, and had unequivocally decided to leave me. She had already filed the paperwork for divorce and that I should expect to be served in the morning.
My bliss had lasted less than 5 minutes and in less than two seconds, it turned dark, somber and I saw it all crumbling down in front of me. Like a long-awaited rocket launch, years in preparation, which then unexpectedly explodes on the launch pad during the countdown. My stomach, heart and everything in my body just sank and melted into one ball of poison in my core. I felt like throwing up. I was completely blindsided; she had played the game all along, not giving me the slightest hint of what was being concocted in the background. She had already engaged with her lawyers weeks beforehand. Her mother was already in town from another state to help out with I don't know what. I had been gaslighted and was threatened by her that I needed to see a psychiatrist due to a change in my temper that I had supposedly developed - my temper was awesome: with BTC at that price? Everything was perfect! But I obeyed and went anyhow (this would later fit her story that she had to leave with the child because she feared for her safety due to my supposed temper for which I was under treatment, therefore, I must have this temper problem, see?). Also, the purchase of the overpriced home also seemed clearly premeditated: Price was the main driver of the decision making; not location, demographics, taxes, etc. It was the wrong neighborhood for us (people much older than us, retired, golfers and no kids the same age as our son to play with). Our house happened to also be the most expensive in the neighborhood. I can see it all so clearly now.
See, your crypto coins on the blockchain, are not within the US court's jurisdiction (or, at least, it's quite debatable - a gray area - ask me for the seed and I can tell you that I may have the seed, or that I may not have the seed, I may have the wrong seed, I may have forgotten it, I may have lost it - you can't prove I did not forget, or lost it, etc). However, once it is in FIAT in a bank, or invested in a property, the courts can rule on the asset(s), freeze, disburse or order a sale of the property, etc. It's done all the time.
Also, the coins were technically mine, and by definition private property (not to be divided during the divorce) as they were acquired before the marriage. I could not prove its origins (I bought many of them via direct messaging members on Bitcointalk.org and mining rather than exchanges, so no records, receipts or nothing to prove otherwise: the big exchanges like BitStamp and Coinbase didn't start operations till 2013, if I m not mistaken. Instead, I would talk to one of the forum members offering coins we'd agree on a price, I'd send a check to wherever the individual seller instructed me to (Russia, Bulgaria, Japan, UK. etc) and the coins would be deposited to whatever address I provided. Yes, it was quite crude at the time.
However, once I converted my coins to cash and used that cash to buy a property for the benefit of the family, it became common property and thus she then had rights to a portion of it when divided between the two parties should a divorce occur - which ended up being almost 3/4 of all assets.
I was robbed in broad daylight. By the one person, I trusted with my life. The one you should trust with your life. Your life partner. And while I was in complete denial, trying to bargain, I waited too long to obtain good legal representation. When I finally ended up getting a lawyer, I was quite distraught and I clearly did not do the proper research and this resulted in a less than stellar performance and detrimental to me at many key steps in the process. I had to switch legal representation right before mediation and I can't blame my new lawyer either, as (s)he did not have the required time to catch up on all the details, (s)he did his/her best, but I was ultimately strongarmed into conceding my soon-to-be-ex-wife to let her return to the house, in exchange to obtain 50% of my son's custody, with serious and strict clauses I had to abide by. So, I had to move out, find a hole in the wall in a student apartment, pay my rent and pay our kids pre-school, while she lives grandiose, without monthly payments in the country club, till the house sells, which will likely be in the spring of next year. Nice!
Due to my delay, legal mishandling and somehow every other element in her favor, she inexplicably ended up with around 3/4 of the worth of all assets, free and clear, no taxes due. Mind you, she has never financially contributed, nor made a single $ during our entire marriage. She has never worked and had $0 in her pocket when we married. She didn't even have a checking account, well in her thirties. She is no dummy; she is street smart, knows how to manipulate people, get her way with flirting and charm, while I am more intellectual and book smart. and She beat me hands-down. She is walking away with a sum of, not quite 7 figures, but close.
With what I am left with from the sale of the house, I am responsible to pay for all the capital gains taxes from the liquidation to the IRS, which are due in April 2019. I don't expect there to be more left over than the estimated $30k mentioned above.
Hate the market all you want, I made peace with the market and am keeping busy at hating my ex for a while for putting me in the same situation. She tripped me 1 yard before the finish line and pushed me in the prickly bushes, to cross it by herself. Go figure. When I am done hating her, I'll get back to rebuilding my life again from scratch. I am not worried, I have done it before. Just pissed, I was so close and that I was so naive to not see it coming.
Sorry, I am not meaning to hijack the thread, just wanted you to know that others may have lost more than just "free" money; money we didn't really have to work for. We were the lucky ones. It is what I keep telling myself to stop me from jumping off a bridge.
PS - Woah: Sorry for the wall of text; I was just going to write the first paragraph and ended up venting about my current situation. I know, I should take this issue to /depressed, /exes or /whereisthenearestbridgeIcanjumpfrom.
Hopefully, this can be a lesson to those holding crypto and some can learn what NOT to do. I learned the hard way and was left with nothing. Don't be a nice guy. Don't trust anyone with your crypto. Anyhow, I am sure either our vigilant subreddit bot, or one of the mods will remove my post for not adhering to rule, and if not, I am sure that you fine people will downvote me to hell. Go ahead. Take away from me the little Karma I left too! Thanks!

I learned many lessons, but here are some key ones [IANAL - any crypto-educated AL opinion appreciated here, thanks] :
- Understand the concept of private property - property you acquire before getting married. INAL - this depends on the state legislation, but it is hard to prove with crypto, especially if you obtained your crypto through foreign exchanges, outside of legal jurisdictions, the petitioner might not understand or willing to invest in obtaining subpoenas and requests to businesses operating overseas, as this may result costly.
- Get a lawyer who understands, or is willing to understand crypto, its benefits of being somewhat unreachable and how that can work for you. Don't let them shortchange you with: "well, let's just convert the rest to cash, because that I understand" type of reasoning.
- If you do go to mediation, the above applies as well. This arbitrator or mediator needs to be one that understands the intrinsic details of crypto - for example, during the ATH, I bought 6 digits worth in $USD of Stellar. I used the very first version of the software, supporting Stellar on my hardware device, and put it all in a cold storage wallet somewhere around January. I routinely checked on my coins on the blockchain and they are there. A few months later, I try to access my account and the device returns a different public address, which contains 0 funds. I am still trying to debug this issue with the manufacturer, but the fact is that I was accused of hiding these coins or negligence and was demanded that I paid half of what was lost. or not lost, out of my pocket for money that I didn't have access either. I tried to explain it in the simplest terms, there are risks involved with using first come software. There is no 1800 number, mo tech support. no CEO, no, you can't call the BBB and complain, etc and no one seemed to be able to understand, nor willing to either. It became a huge roadblock for which I had to concede, not cash, but a concession, I was not wanting to concede. The petitioner leaned on the fact that I was either wilfully cheating or stupid enough to lose the coins and managed to create enough doubt in my character and integrity and there was nothing rational I could explain that she, or anyone else in the room would understand. Perhaps mutually contracting a seasoned crypto expert that can offer a neutral view and give his/her opinion might be worth considering. Andreas, where were you when I needed you? :)
- Other examples were some coins I had bought in 2012 and gifted to some of her family's kids. I was holding these, till they would turn 16 for them to pay themselves their college, or so I told them. These coins were demanded back by the petitioner. Ok, I suggested that I would send them, but with a CHECKLOCKTIMEVERIFY value with a block height of let's say,10 years from now, out of fear that she would spend the coins and the kids would never know (they are toddlers). No one understood what I was talking about, I was made out the crazy one, I gave up, sent her the coins, unlocked and, just as I expected, within 20 minutes of receiving them, she spent $1200 worth of it (for a flight, I think). If you are the only one speaking your language, no one is willing to listen or make an effort to understand you.
- It appears my coins were private property, which means, that I acquired them before the marriage and in case of divorce, if I have not moved them or used them for the common good of the marriage, then they remain mine. However, I liquidated them and cash ended up in my checking account to be used to buy groceries, cars and eventually a house, and it is then that they became common property. Only once they landed in my checking account on which she is named on. It appears that had I taken proper legal precautions with documentation, or a company/trust, where that money would have gone, instead of my checking accounts, elsewhere, I would have still been able to be the legal proprietor of the resulting cash. I can't quite remember the details, but it as something that was explained to me afterward, and I honestly think I just tuned it out, because it made me sick to know I could have held on to my wealth. Perhaps a lawyer can chime in? Again, much of the lack of information and every misstep taken was because of dealing with people that are accustomed to traditional assets and will not deviate from it. Crypto is different and is treated differently. It is so important to know the strengths and weaknesses when going into litigation about something that people don't understand.
- Some more I can think of, but this post is getting way out of hand in size. Feel free to comment/suggest your own and I'll add more to the comments.

Credits to: u/nanoissuperior Thanks for your post, it inspired me to write this one. Anyone, any karma you feels needs to go his way, for providing the source of inspiration, please give to O-OP.

TL;DR: Wife, having contributed $0 during entire marriage, waited until I cashed out all my crypto at the top of the bull market in January 2018, for a nice seven-figure amount, and then immediately divorced me for the money.

Edit: added TL;DR
submitted by mijalis to CryptoCurrency [link] [comments]

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Cryptocurrency and divorce have quickly rising issues for people going through a divorce. In the past couple of years, divorcees and their lawyers have increasingly faced a new challenge when going through a divorce: the reporting, disclosure, and valuation of cryptocurrency assets. Here’s how to face the challenges of cryptocurrency and divorce. Although Bitcoin is the most well-known type of cryptocurrency, there are now various types of these “coins” ranging from Bitcoin down to “penny-stock” type of exchanges. There has been a great deal of volatility in cryptocurrency value: during 2017, the price of one Bitcoin rose from around $900 to a high of $20,000. There have also been well-known scams, thefts, and the shutting down ... Put that another way, the divorce proceedings could be taking place during one of bitcoin’s violent price corrections and the “hodler” could be penalised by the court for not selling some of the bitcoin before the event and ends up having to hand over a greater proportion of the asset than would otherwise have been the case to make up for the “recklessness” that “dissipated” a ... “The price of bitcoin went from $1800 in August of 2017 to $19,000 in December 2017, which is a move of over 1,000%. Then, from the time period of January 2018 to February 2018, the price of bitcoin went from $19,000 to $11,000.” In order to effectively deal with the change in price through a volatile market, divorce attorneys must be diligent and ask the right questions regarding the ... It’s worth noting that the price of cryptocurrencies essentially fluctuate according to the laws of demand and supply. What’s the Legal Status of Cryptocurrencies in North Carolina? Cryptocurrencies’ (including Bitcoin) relevance in divorce settlements anchors strictly on its legal recognition as a commodity or a legal tender. In July 2016, the North Carolina Money Transmitter Act was ...

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News Now - Bitcoin reviews

Binance Exchange News: on price, analysis, Announce new project for holders Binance Exchange 57,871 watching Live now LIGHTNING vs TANGLE vs HASHGRAPH vs NANO - Programmer explains - Duration: 20:31. News Now - News Now - Bitcoin reviews News Now - News Now - Bitcoin reviews What is Bitcoin? By Markets Insider Bitcoin keeps coming back in the headlines. With any Bitcoin price change making ... Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube. In Part 2 of our crypto-asset webinar, Andrzej Bojarski discusses some of the issues which arise in managing crypt-oassets (including fintech start up companies) in the context of divorce. Please ... Robinhood, an investing app valued at over $5 billion, says it's trying to "democratize America's financial system" by making investing accessible to the lit...

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