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Addressing Canada’s Employment Insurance Gap For Self-Employed Workers

Source: TD
Ksenia Bushmeneva, Economist
Dated July 15th, 2020

Highlights


Chart 1 - Workers in More Precarious Employment See Steep Job Losses

Chart 2 - COVID-19 Self-employed to Cut Hours Worked Drastically

EI Leaves Many Non-Standard Workers Behind


Chart 3 - Self-employed Workers Much More Likely to Apply for CERB

Chart 4 - Prevalence of Self-employment Varies by Province

What Complicates Offering EI Coverage For Non-Standard Workers


Chart 5 - Maternity and Family Benefits Available to Self-employment

Chart 6 - Sickness, Disability, and Work Injury Coverage Available to Self-Employed

Some Solutions Based on The International Experience


Chart 7 - Unemployment Benefits Coverage Options to Self-employed

Chart 8 - Old-age Pensions Coverage Options Available to Self-employed

Concluding Remarks


References

  1. “Employment Insurance Coverage Survey, 2018”. Statistics Canada. https://www150.statcan.gc.ca/n1/daily-quotidien/191114/dq191114a-eng.htm
  2. Sunil Johal & Erich Hartmann. “Facilitating the Future of Work Through Modernizing EI System”. The Mowat Center. https://ppforum.ca/wp-content/uploads/2019/05/PPF-Modernizing-EI-for-Future-of-Work-April-2019-EN.pdf
  3. Antonia Asenjo and Clemente Pignatti. “Unemployment insurance schemes around the world: Evidence and policy options.” International Labour Office. https://www.ilo.org/wcmsp5/groups/public/---dgreports/---inst/documents/publication/wcms_723778.pdf
  4. Sung-Hee Jeon and Yuri Ostrovsky. “The impact of COVID-19 on the gig economy: Short- and long-term concerns”. Statistics Canada. https://www150.statcan.gc.ca/n1/en/pub/45-28-0001/2020001/article/00021-eng.pdf?st=x8kZDLV7
  5. Sunil Johal & Erich Hartmann. “Facilitating the Future of Work Through Modernizing EI System”. The Mowat Center. https://ppforum.ca/wp-content/uploads/2019/05/PPF-Modernizing-EI-for-Future-of-Work-April-2019-EN.pdf Ibid.
  6. “Evaluation of the Employment Insurance Special Benefits for Self-employed Workers”. Employment and Social Development Canada. https://www.canada.ca/en/employment-social-development/corporate/reports/evaluations/2016-ei-special-benefits.html
  7. “The Future of Social Protection: what works for non-standard workers?” OECD. https://www.oecd-ilibrary.org/sites/9789264306943-en/1/2/1/index.html?itemId=/content/publication/9789264306943-en&_csp_=60072f6c81e5afb306d1ad580d284396&itemIGO=oecd&itemContentType=book#chapter-d1e549 Ibid.
  8. “Key Small Business Statistics - January 2019”. Statistics Canada. https://www.ic.gc.ca/eic/site/061.nsf/eng/h_03090.html#point1-3 Ibid.
  9. “Government Response To The Fifth Report Of The Standing Committee on The Status of Women. Interim Report on the Maternity and Parental Benefits Under Employment Insurance: the Exclusion of Self-Employed Workers.” https://www.ourcommons.ca/DocumentVieween/39-1/FEWO/report-5/response-8512-391-19
  10. “Evaluation of the Employment Insurance Special Benefits for Self-employed Workers”. Employment and Social Development Canada. https://www.canada.ca/en/employment-social development/corporate/reports/evaluations/2016-ei-special-benefits.html

End Notes

  1. Since 2010 self-employed workers can voluntarily participate in EI Special Benefit for Self-Employed Workers (SBSE) to gain access to many life event-type benefits accessible to regular employees, such as maternity and paternity leave programs, leave due to sickness or to care for an sick family member. In addition to this, current EI system allows certain exceptions for some non-standard workers. For example some individuals who work independently as barbers, hairdressers, taxi drivers, drivers of other passenger vehicles are eligible to receive benefits through the regular EI program. Fishermen are also included as insured persons under the EI Fishing Regulations. In the case of the self- employed fishermen, EI qualification is tied to income. In order to qualify for up to 26 weeks of benefit, they need to have earned between $2,500 to $4,200 in the last 31 weeks.
  2. The two main reasons for not contributing to the EI program were not having worked in the previous 12 months, and non-insurable employment (which includes self-employment).
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2019 Offseason Review Series: Day 18 - The Carolina Panthers

Team: The Carolina Panthers

Division: The NFC South

It’s that time of year again! After a season that could best be described as “a hangover you don’t deserve”, we watched the Panthers soar to a 6-2 record. After a beatdown of eventual playoff caliber Baltimore, It finally looked like we were poised to shrug off our non-consecutive winning streak habit. But it was not meant to be. A combination of shallow defensive depth and a lingering shoulder issue for Cam Newton saw us collapse down the stretch, and we ended 7-9 winning only a single game. After watching the sharp downturn of our fortunes, questions surrounding our QB’s health and a major exodus of our most tenured veteran talent, one could be forgiven for a glum outlook on the franchise’s future going into this offseason.
But despite the spirit in which we entered it, this offseason has been a resounding success. And one that leaves little doubt that we’re an improved team despite our more prominent losses. What follows is a point for point breakdown in how we made the transition from collapsed contender to potential comeback story.

Coaching Changes

None whatsoever.
From both the commentator sphere and other fanbases, the Panthers were pretty roundly rebuked for hiring offensive coordinator Norv Turner. Despite alarms being raised over 7 step drops and an over reliance on deep shot, Turner was a revelation for our offense. He apparently meant every word of emphasizing high completion throws and taking pressure off of Cam, and we began to see looks for our QB that were totally absent in the Mike Shula era. He’s now had a chance to throw dump offs, and to have reliable comeback options. Cam, prior to breaking down, was enjoying one of the best seasons of his career and despite the shoulder injury, still finished with a career high completion percentage. Christian McCaffery, our other offensive mainstay, saw his rushing efficiency go from 3.7 YPC his rookie season to 5.0 yards in year two, with his total scrimmage yardage upticking from 1,086 to 1,965 in Norv’s new passing and blocking system. Turner’s tenure thus far has been an unmitigated success and a refreshing change of pace from the stale, dull system we fell into under Shula.
The other transition, from Steve Wilkes to Eric Washington at defensive coordinator, yielded decidedly more mixed results. Washington, simply put, was not good in his transition from the DL coach. In over his depth. He struggled all year, culminating in Rivera assuming defensive playcalling down the stretch. The turnaround in our defense once he did was remarkable, though by that point, Cam was falling apart so visibly that what happened on that side of the ball no longer mattered. Washington has been retained for the upcoming season, but Rivera’s going to keep the playcalling duties.
And captaining the ship is Rivera himself. Despite a call for his head among our fanbase’s more frustrated elements, Rivera was kept for 2019. And I’m glad for it. All or Nothing (though I’ve not had a chance to see it) provided a window into his management style, vindicating some like me who pushed back against narratives that he was a dispassionate robot. And while I’m a bit higher on Ron than many, I don’t think it’s unsafe at all to say that none of the coaching hires would have represented an obvious upgrade. At the end of the day, Rivera lead a squad to 6-2 before his QB’s season derailed, which is not really on him. He could maybe be criticized for letting Washington fail for too long, but at the end of the day, few of our woes from last year can be solely attributed to him. While this is certainly a put up or get out year for Rivera, I have little doubt that he’ll be leading the gang come 2020 as well.

Departures

Thomas Davis, LB - Now we get into the stuff that hurts. And this one really, really hurts. I understand it. We needed to figure out whether Thompson could stand on his own like, yesterday so we can decide his long term potential. Davis, while still playing at a high level, is an old man for the position he plays. Letting him walk was a logical decision. But none of it changes the fact that Davis has been the soul of this defense for over a decade, and was easily one of the most beloved players and leaders over the 14 years he spent with us. He will be missed, both for his play and his spirit.
Julius Peppers, DE - Speaking of franchise staples, long time DE and future Hall of Fame inductee Julius Peppers’ watch has ended. Unlike Davis, who we simply allowed to leave, Pep has called it a career. And what a career it was. Though almost every single article about our defensive adjustments leads off with “With Peppers retiring, the Panthers no longer have anyone who can rush the passer”, the reality is that Pep did far less than his opposite in Mario Addison to that effect. Though he came back to us in 2017 with a monster 11 sack season, that number was always misleading given how few pressures he accomplished it on. Last year, he came back down to earth. It was time, and while I wish we could have given Pep one last, Super Bowl winning hurrah, a new direction was needed.
Ryan Kalil, C - Ryan Kalil rounds out our list of beloved departing veterans. The anchor of our offensive line for 12 years has hung up his cleats. Of all the offseason changes, this was by far the scariest, as the difference between Cam with and without a good center of the course of his career has been stark and terrifying. Kalil was a damn good player right up to the end, though the rash of injuries he suffered between 2016 and 2018 clearly took their toll on his performance. And while we have replaced him (and debatably upgraded), Kalil was both a locker room leader and a damn good contributor that will be missed by all.
Devin Funchess, WR - We now get into the departures who will be less missed. Funchess, admittedly, gets a bit of a bad wrap from our fanbase who often talk about him as though he were trash. While not trash, he is at least very replaceable. In fact, Funchess replacement began well before the expiration of his contract, as he had been fully supplanted by rookie DJ Moore and sophomore Curtis Samuel down the stretch last year. By the end, he was a healthy scratch. While I’m sure he’s going to put up numbers in Andrew Luck’s offense, Funchess is no sort of elite talent. He’s a big body who fails to gain separation and who inconsistently leverages his size to his advantage. I view his upside as a Brandon LaFell type of guy. And that type of guy is no longer a fit for what we’re trying to do.
Matt Kalil, OT - If the Carolina fandom is ambivalent about Funyun’s departure, we’re positively giddy about this one. Cut with a June 1st designation, Kalil saved us the money that allowed other moves to be possible. Though the shine has come off the diamond that was Gettleman’s tenure with us, the man often doesn’t get the credit he should. He did do a great deal for us, particularly his completely unheralded building of our OL (No less than 3 of our 5 starters this coming season will have been Gettleman acquisitions). But by far the biggest mistake in his tenure was the massive albatros of a contract he doled out to Matt Kalil, who could not have failed more spectacularly (or predictably) to live up to it.
Mike Adams, FS - I speak on behalf of the fanbase when I say that we have nothing but respect for Adams. He was a solid player and a veteran leader who spent his last two years giving lift to a secondary that hasn’t seen a great safety tandem since the Clinton Administration. But your eyes don’t deceive. We really were running his 37 year old ass out there as a free safety. And that simply could not be allowed to continue. I wish Adams the best, but it was time to move on.

Arrivals

Matt Paradis, C - Here’s the fun stuff. After losing Kalil to retirement, we signed former Broncos safety Matt Paradis to replace him. At only 29, Paradis represents a significant youthening at the position, and for a guy whose upside is top 5 at the position, we got him at a significant discount. Obviously that discount was due to medical risks, which prompted his release by the Broncos in the first place. But Paradis’ has been fully cleared from day 1 and avoided the PUP list. By all accounts, he’s in tip top shape. We’ll obviously see how that holds up as the season gets underway, but Paradis is definitely one of the steals of the 2019 free agency period and I could not be happier to have him. His arrival is enormous for our prospects, and has turned our biggest positional question mark into an area of strength.
Daryl Williams, OT - It’s a bit disingenuous to call Williams an arrival, as he never actually left. But that he never left is nothing short of remarkable. After a 2017 All Pro season, Williams suffered a major setback of an injury in 2018 training camp that eventually turned into a season ending injury after he tried to rush back. Still though, the League is constantly hungry for All Pro level OT talent and I was sure Williams was going to get scooped up. Instead, he signed a 1 year, $6 million deal to come back to us, and short of black magic I’m not entirely sure how Marty Hurney pulled it off. Williams is a terrific player who can play many parts of the OL. He can slot in at LG if rookie OT Greg Little can win the LT job, but also provides insurance at LT if he can’t. He and Moton playing opposite one another represents the best OT tandem that Cam Newton has ever enjoyed.
Gerald McCoy, DT - Awwwww yeah! My all time favorite Tampa Bay Buccaneer is now a Carolina Panther. McCoy is a rock solid DT who truly needs no introduction from me. How we plan to use him is a bit murkier, but use him we definitely will. I suspect to see McCoy playing DT opposite Kawaan Short in our 3-4 looks (more on that in a minute), to line up next to him in our 5-2 looks, and to work with him on pass rushing 4-3 sets. He adds more juice to a pass rush that already saw a healthy injection of talent this year, and is more consistent in the run game than some of the other DL on the roster, which was a notable area of weakness last season. He fits the versatility first mold that’s going to allow Rivera to mix up our defensive looks as transition fully to a hybrid, and is a terrific leader in the locker room besides. Our beat writers have described him as “joined at the hip” with Kawaan Short, and I fully expect the pair to make one another better.
Bruce Irvin, OLB - Perhaps the first real signal that this wasn’t going to be the Carolina defense of yesteryear, Irvin is a vet leadership, change of pace signing. In moving to a hybrid defense, we acquired a number of rookie talents to complement OLBs like Marquis Hayes. Irvin rounds out that group, and provides us with a valuable cog in pass rushing sets and a good leader for the younguns. Though he’s not as disruptive as he once was, Irvin is a rock solid player who provides us with quality depth and leadership.
Chris Hogan, WR - A graduate of the Patriots Random White Guy Academy, Hogan flashed serious potential for his first couple of years in New England before getting gradually phased out of the offense. I’m not expecting much, but he has the potential to help us on deep balls and it’s generally never a bad thing to have more talent at WR.
Aldrick Robinson, WR - Robinson does one thing and one thing only, which is catch touchdowns. Conveniently, that’s one thing we struggled with last season. But with Greg Olsen now fully healthy and a sudden wealth of other options at WR, I would give Robinson long odds of making the roster.

Draft

Pick 1.16: Brian Burns, DE/OLB - I am still in shock that Brian Burns was available at pick #16. I wanted him very badly, but I was certain he’d be an Atlanta Falcon. Instead, people allowed him to fall all the way to us and I couldn’t be happier. Burns is the apotheosis of what we’re trying to accomplish with our defensive transition. He’s a guy as comfortable upright as he is with his hand in the dirt. While he lacks strength as a run defender, he has incredible burst off the edge and a ludicrously high ceiling as a pass rusher. I think he landed on a terrific team to turn that potential into reality and I’m extremely excited about what he can do with us.
Pick 2.37 Greg Little, OT - Every description I’ve ever read of Little has described him as “Pro Ready”, and the team clearly drafted him with an eye on starting at LT. Luckily, we’ve hedged that bet a bit with the Daryl Williams signing, but Little still projects as a talented young player with a high floor and a well rounded skillset. If not the LT starter this year, he’ll almost certainly have the job to himself next season.
PIck 3.100 Will Grier, QB - Boy did this piss people off at the time. Though cooler heads have since prevailed, this pick was seen by one group of reactionaries as an indictment on Cam’s health, and another as a wasted pick on a player who will never produce for us. The reality is neither. While Cam’s health is in good shape (put a pin it), we were put in a position last year in which he needed to rest a clearly deteriorating shoulder, but we had no faith in the men behind him to win games. If that’s the state of your backup, you need a better backup. This is a team that has seen playoff runs hinge on a game or two that Derek Anderson filled in for. So even as high as pick 100, Grier was a worthy investment. In terms of his playstyle, Grier slots as an accurate QB with a good deep ball and a cerebral style, but average arm strength and mediocre release.
Pick 4.115 Christian Miller, OLB - Like Burns, Miller projects as a do-all DE/OLB who can play either upright or down low. He’s an athletic prospect whose game is a bit raw, but who checks all the measurable boxes. Likely a top 50 player before injuries kept him out of the pre-draft process, Miller represents a hell of a value at 115. I suspect we’ll see he and Burns as long term staples of the pass rush.
Pick 5.114 Jordan Scarlett, RB - This was a bit of an odd one, but I’ve warmed to it over time. Scarlett is a bruising, violent running back who I’m almost certain was drafted to lend a hand in the red zone. As a change of pace to CMC, the two could not be more different. But coaches thus far have raved about his conditioning and power, so the pick may not have been as crazy as it looked at the time. Having said that, while I don’t think anyone should ever get upset over a 5th round pick, I do think we could have found better value at this position. Scarlett wasn’t likely to be gone by the time we selected our next player.
Pick 6.212 Denis Daley, OT - I like this pick quite a bit. Daley had a rough statline in terms of sacks allowed when facing a veritable who’s who of elite college pass rushers (Jachari Polite, Josh Allan, Clelin Ferrell among them). But in spite of that, scouting reports consistently cite both his physical gifts and his improvement as the season went on. If he can cut down on his most egregious habits (most notably his overeager lunging at edge rushers), he has legit starting potential.
Pick 7.237 Terry Godwin, WR - Godwin’s whole game is predicated on speed and football IQ. At 5’11, it’s certainly not coming from his physical measurables. But he was by all accounts a high work ethic, smart players who contributed admirably in his four years as Georgia starter. Godwin’s ceiling is likely a Curtis Samuel backup, but his early rapport with Cam makes me think he’ll stick on the roster despite his late draft spot.

Strengths and Weaknesses

Offense - With Cam’s health reportedly looking good (particularly his ability to throw deep; something he was never capable of throughout Camp) and the team adapting so well to Norv Turner’s system, I think offense as a whole is a good place to start. Though I said it last year, only to be hilariously wrong, Greg Olsen is operating at 100% as well, which provides a boost to our red zone effectiveness that is difficult to measure. By the end of last year, both DJ Moore and Curtis Samuel appeared to be on the cusp of a major breakout, both proving themselves so reliable that Devin Funchess was a healthy scratch by week 17. Those two should continue to grow, and Jarius Wright has proven to be a valuable slot receiver. And, of course, there’s CMC, who will continue to be our best offensive weapon not named Cam Newton. With good health and plenty of diverse options, I suspect the good times to continue to roll as we enter year two of Turner’s stewardship.
Offensive Line - I can’t emphasize this enough, but our offensive line is nasty. With Williams’ return, we now have an All Pro OT to pair with breakout sensation Taylor Moton, which makes for an excellent tandem. Matt Paradis replaces, and if we’re being honest, provides an upgrade over Ryan Kalil, and Trai Turner is as effective a RG as ever. LG will likely be manned by whichever of Williams or Little doesn’t win LT, and Greg Van Roten (who’s performed admirably at the position) is still in the building as well. This is a very solid group of players, and a massive upgrade over what we had to work with last year.
Pass Rush - This was a major area of concern last year, but I’m happy with where we’re at now. The transition to a hybrid defense was the right call for our personnel set, and between the draft and free agency, we’ve upgraded across the board. McCoy is a huge boost to our interior pressure and Brian Burns should contribute immediately. Efe Obada will likely continue to grow, and the new system is a much better fit for talented sophomore Marquis Hayes. Irvin is solid rotational addition as well, and Mario Addison is as stalwart a pass rusher as ever. All in all, we’ve gone from an extremely one dimensional pass rush to one that is versatile and capable of throwing multiple looks at our opponents. We will be hard to predict and hard to stop when we come at the QB next year.
Weaknesses
Run Defense - Though I’ve seen little attention paid to it, I’m very concerned about our run defense this year. Although we’ve beefed the hell out of the defensive front, few of these pieces excel in run defense. McCoy has mostly staked his reputation on being a 3 tech. Hayes, Miller and Burns were all flagged as prospect that lacked run support talent. Poe was miserable in defending the run last year, and it’s never really been Short’s bag. In terms of yards per carry, we finished 8th overall which sounds good. But this was mostly on the strength of changes when Rivera took over the playcalling, as backs tended to run over us consistently early in the year. As long as we have Luke, our run defense will be solid. But I do worry that with so much (needed, mind you) emphasis put on rushing the passer, we’ve left off this part of the game.
The Secondary: As always with us, the secondary is a concern. It is, to be fair, less a concern than in previous years. Donte Jackson and James Bradberry both enjoyed very solid campaigns last year, and the former has allegedly done a lot of growing over the previous season. Eric Reid represents a good, solid strong safety. But free safety is, as ever, a mess. The job is going to sophomore player Rashaan Gaulden, but I think his capturing the position unopposed has less to do with what coaches see in him, and running out of money after doling out contracts to Paradis, McCoy and Williams. Our secondary, while improved, was inconsistent last season and was the primary reason we finished in the middle of the pack.
And honestly, that’s about it. This is one of the strongest rosters Carolina has fielded in the Riv-Era, at least on paper.

X Factors

Cam’s Health - Those of your who frequent nfl have likely seen my refrain on this many a time, but Cam’s health is not as dire as last season made it look, and the Andrew Luck comparisons have always been, frankly, crazy. In 2016, Cam tore his rotator cuff. He rushed his recovery in order to play in 2017. This created a buildup of scar tissue which, when coupled with a minor bone spur, caused a great deal of swelling this year that put Netwon in pain and limited his range of motion. It’s one of those injuries that, while not terrible by any means, does require either surgery or a great deal of rest. Cam, by virtue of being alpha and omega to this team, had the luxury of neither. The swelling persisted until he could barely throw. While that looks scary, the actual diagnosis was not that grim, and a simple shoulder scope as cleared the damage. By all accounts, he’s 100% and even making throws that he was incapable of these last two years. Bill Voth, who was the first (and for a long time, only) writer sounding the alarm on Cam’s strength as far back as 2017, has said that he’s making throws that look like his old self routinely.
However, we are putting him on a pitch count. This like likely vet maintenance rather than a source of genuine alarm. But after the last couple of years, he does make you sweat a little.
OL Health - The major fly in the ointment when it comes to Carolina’s optimism over its OL is that big if healthy caveat. If healthy, Paradis is a top 5 Center. If healthy, Williams has All Pro talent. 4 days into camp, however, neither is participating in serious pass rush drills and only today suited up in pads. It is possible that they’re just being eased along. They did avoid the PUP list, which we were almost sure was going to get Paradis at the very least. So they appear to be alright. But if they’re not, or they reinjure again, we go from being an extremely strong team to a fatally flawed one. A great deal is riding on the health of those two players, and the entire house of cards could fall apart quickly if they’re unable to deliver.
Greg Olsen - The one health flag that I do have complete confidence in is tight end Greg Olsen. Suffering a series of foot breaks, he is now moving around at 100% capacity and has been medically cleared for all activity for months. Bone breaks are, when all is written, temporary injuries that often heal stronger when they actually get a chance to heal. Our most trusted beat writers, Voth and Rodrigue, have both been crystal clear that he looks like his old self and that his connection with Newton is as faithful as ever. What I’m less clear on is his role in the offense. For years, Greg Olsen was the pivotal piece of our passing game. But with his largely being sidelined with foot injuries over the last two years, the game has moved on. Curtis Samuel and DJ Moore are both going to receive plenty of targets, and McCaffery will be a critical element to the passing game. Greg will undoubtedly be our principle red zone threat, but the growth of other options has downgraded his loss from catastrophic to merely unfortunate. What role he carves out, and what boost he’s able to give our offense, will be very interesting to watch.
4-3 No More: Much has been made of the Carolina's transition from a 4-3 to a 3-4 this offseason. And most of it is crap. We aren't exactly moving in a direction that binary. IN the past, we have strictly been a 4-3 team throughout the Riv-Era. That is about to change, but not to a 3-4. What Rivera showed last year is a willingness to mix and match personnel sets. There were 3-4 looks, 4-3 looks and even 5-2 looks. What we're moving toward is thus not a single, codified base, but a hybrid defense that can throw out a number of formations and switch between them quickly. We want players who can play OLB and DE. DTs who can play DE. LBs who can drop into coverage and rush the passer. A modern defense is one that doesn't limit itself, which is why such a premium has been put on players with positional versatility. On paper, our personnel set is very well built for this. How it pans out in practice remains to be seen. It's a very radical transitioning happening over a short period of time, and while I think our defense has the potential to be excellent, there will doubtless be some growing pains as we navigate the transition.

Positional Battles

Very little to speak of. The premier battle is going to be between Greg Little and Daryl Williams at LT. Apart from that, the timeshare that forms in different defensive sets will be intriguing. But for the most part, the roster is set.

Win Loss Predictions

I hate this part, particularly since the NFCS is a murderers row at present. The Panthers have a shot at a serious playoff run if all the chips fall right, but the Falcons are likely going to be resurgent (god you have no idea how much it hurts me to type that) and the Saints aren’t going anywhere. The Buccs I’m sure will do their best.
That alone makes pinpointing what our season looks like in terms of Ws and Ls difficult. But this year, we’re also playing the equally enigmatic AFCS, whose teams look like contenders or middlers in turns. Even our other divisional draw, the NFCW, is difficult to find the pulse of.
So rather than pretend that I know what each game is going to look like, I’m going to do what I always do; Likely wins, likely losses, toss ups.
Likely Wins: TB, @AZ, JAX, @TB, @SF, TEN, WAS
Likely Losses: LAR, @NO, @IND
Toss Ups: @HOU, @GB, ATL, NO, @ATL, SEA
So that’s 7 likely wins, 3 likely losses and 6 toss ups.
If that seems like an unusually high degree of uncertainty, that’s because it is. Last year started off strong and fell apart for reasons that are both obvious and cautiously behind us. We’ve only improved over the offseason and should be formidable. But the schedule is grueling and many questions are yet unanswered. I said in my last offseason review that last year was likely going to be a tough season, and should be viewed mainly as a proof of concept for the new ideas we were incorporating via Turner’s offense and our gradual move away from a 4-3 defense. Well, it was a tough year for reasons of which I had no inkling at the time, and it was a proof of concept. And for the most part? The concept was proven sound. So this offseason, we’ve built on it and patched over the holes that developed in it.
I know that “This offseason is a major turning point” is one of those things that gets thrown around a lot. It’s like how every Presidential election gets described as historic, as though choosing the leader of the free world could ever be anything but. But in a very real sense, this franchise has hit a turning point. Cam has to bounce back this year or he’ll face major doubts about his future contract. Rivera has to bounce back this year, or he’ll be out of a job. GM Marty Hurney has done an excellent job restocking the cupboards, but we’ve been down this road of defensive transition and an offense that eases things on the quarterback before. Last year, both ideas mostly worked, but this is the season where we must commit to them and see them through if we want to succeed with the parts we have. Thus the Panthers find themselves where we always seem to. We are a team that is as capable of going on a deep playoff run as we are forcing a total rebuild in the next two years. But for what it’s worth, I think it’s going to be a strong, “Eureka!” type season where everything finally comes together. For the sake of Rivera and company, I hope it does.
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[uncensored-r/Bitcoin] /r/Bitcoin FAQ - Newcomers please read

The following post by BinaryResult is being replicated because some comments within the post(but not the post itself) have been silently removed.
The original post can be found(in censored form) at this link:
reddit: /Bitcoin/comments/6jlop4
The original post's content was as follows:

Welcome to the /Bitcoin Sticky FAQ

You've probably been hearing a lot about Bitcoin recently and are wondering what's the big deal? Most of your questions should be answered by the resources below but if you have additional questions feel free to ask them in the comments.
The following videos are a good starting point for understanding how bitcoin works and a little about its long term potential:
For lots of additional video resources check out the videos wiki page or /BitcoinTV.
Key properties of bitcoin
  • Limited Supply - There will only ever be 21,000,000 bitcoins created and they are issued in a predictable fashion, you can view the inflation schedule here. Once they are all issued Bitcoin will be truly deflationary.
  • Open source - Bitcoin code is fully auditable. You can read the source code yourself here.
  • Accountable - The public ledger is transparent, all transactions are seen by everyone.
  • Decentralized - Bitcoin is globally distributed across thousands of nodes with no single point of failure and as such can't be shut down similar to how Bittorrent works.
  • Censorship resistant - No one can prevent you from interacting with the bitcoin network and no one can censor, alter or block transactions that they disagree with, see Operation Chokepoint.
  • Push system - There are no chargebacks in bitcoin because only the person who owns the address where the bitcoins reside has the authority to move them.
  • Low fee - Transactions fees can vary between a few cents and a few dollars depending on network demand and how much priority you wish to assign to the transaction. Most wallets calculate the fee automatically but you can view current fees here.
  • Borderless - No country can stop it from going in/out, even in areas currently unserved by traditional banking as the ledger is globally distributed.
  • Trustless - Bitcoin solved the Byzantine's Generals Problem which means nobody needs to trust anybody for it to work.
  • Pseudonymous - No need to expose personal information when purchasing with cash or transacting.
  • Secure - Encrypted cryptographically and can’t be brute forced or confiscated with proper key management such as hardware wallets.
  • Programmable - Individual units of bitcoin can be programmed to transfer based on certain criteria being met
  • Nearly instant - From a few seconds to a few minutes depending on need for confirmations. After a few confirmations transactions are irreversible.
  • Peer-to-peer - No intermediaries with a cut, no need for trusted third parties.
  • Portable - Bitcoins are digital so they are easier to move than cash or gold. They can even be transported by simply remembering a string of words for wallet recovery.
  • Scalable - Each bitcoin is divisible down to 8 decimals allowing it to grow in value while still accommodating micro-transactions.
  • Designed Money - Bitcoin was created to fit all the fundamental properties of money better than gold or fiat
Some excellent writing on Bitcoin's value proposition and future can be found here. Bitcoin statistics can be found here, here and here. Developer resources can be found here and here. Peer-reviewed research papers can be found here. The number of times Bitcoin was declared dead by the media can be found here. Scaling resources here, and of course the whitepaper that started it all.

Where can I buy bitcoins?

BuyBitcoinWorldwide.com and Howtobuybitcoin.io are helpful sites for beginners. You can buy or sell any amount of bitcoin and there are several easy methods to purchase bitcoin with cash, credit card or bank transfer. Some of the more popular resources are below, also, check out the bitcoinity exchange resources for a larger list of options for purchases.
Bank Transfer Credit / Debit card Cash
Coinbase Coinbase LocalBitcoins
Gemini Bitstamp LibertyX
GDAX Bitit Mycelium LocalTrader
Bitstamp Cex.io BitQuick
Kraken CoinMama WallofCoins
Xapo BitcoinOTC
Cex.io
itBit
Bitit
Bitsquare
Here is a listing of local ATMs. If you would like your paycheck automatically converted to bitcoin use Cashila or Bitwage.
Note: Bitcoins are valued at whatever market price people are willing to pay for them in balancing act of supply vs demand. Unlike traditional markets, bitcoin markets operate 24 hours per day, 365 days per year. Preev is a useful site that that shows how much various denominations of bitcoin are worth in different currencies. Alternatively you can just Google "1 bitcoin in (your local currency)".

Securing your bitcoins

With bitcoin you can "Be your own bank" and personally secure your bitcoins OR you can use third party companies aka "Bitcoin banks" which will hold the bitcoins for you.
  • If you prefer to "Be your own bank" and have direct control over your coins without having to use a trusted third party, there are many software wallet options here. If you want easy and secure storage without having to learn computer security best practices, then a hardware wallet such as the Trezor or Ledger is recommended. A more advanced option is to secure them yourself using paper wallets generated offline. Some popular mobile and desktop options are listed below and most are cross platform.
Android iOs Desktop
Mycelium BreadWallet Electrum
CoPay AirBitz Armory
  • If you prefer to let third party "Bitcoin banks" manage your coins, try Coinbase or Xapo but be aware you may not be in control of your private keys in which case you would have to ask permission to access your funds and be exposed to third party risk.
Another interesting use case for physical storage/transfer is the Opendime. Opendime is a small USB stick that allows you to spend Bitcoin by physically passing it along so it's anonymous and tangible like cash.
Note: For increased security, use Two Factor Authentication (2FA) everywhere it is offered, including email!
2FA requires a second confirmation code to access your account, usually from a text message or app, making it much harder for thieves to gain access. Google Authenticator and Authy are the two most popular 2FA services, download links are below. Make sure you create backups of your 2FA codes.
Google Auth Authy
Android Android
iOS iOS

Where can I spend bitcoins?

A more comprehensive list can be found at the Trade FAQ but some more commons ones are below.
Store Product
Gyft Gift cards for hundreds of retailers including Amazon, Target, Walmart, Starbucks, Whole Foods, CVS, Lowes, Home Depot, iTunes, Best Buy, Sears, Kohls, eBay, GameStop, etc.
Steam, HumbleBundle, Games Planet, itch.io, g2g and kinguin For when you need to get your game on
Microsoft Xbox games, phone apps and software
Spendabit, The Bitcoin Shop, Overstock, Rakuten, DuoSearch, The Bitcoin Directory and BazaarBay Retail shopping with millions of results
ShakePay Generate one time use Visa cards in seconds
NewEgg, TigerDirect and Dell For all your electronics needs
Cashila, Bitwa.la, Coinbills, Piixpay, Bitbill.eu, Bylls, Coins.ph, Bitrefill, Pey.de, LivingRoomofSatoshi, Hyphen.to, Coinsfer, GetPaidinBitcoin, Coins.co.th, More #1, #2 Bill payment
Foodler, Menufy, Takeaway, Thuisbezorgd NL, Pizza For Coins Takeout delivered to your door!
Expedia, Cheapair, Lot, Destinia, BTCTrip, Abitsky, SkyTours, Fluege the Travel category on Gyft and 9flats For when you need to get away
BoltVM, BitHost VPS service
Cryptostorm, Mullvad, and PIA VPN services
Namecheap For new domain name registration
Stampnik and GetUSPS Discounted USPS Priority, Express, First-Class mail postage
Reddit Gold Premium membership which can be gifted to others
Coinmap, 99Bitcoins and AirBitz are helpful to find local businesses accepting bitcoins. A good resource for UK residents is at wheretospendbitcoins.co.uk.
There are also lots of charities which accept bitcoin donations, such as Wikipedia, Red Cross, Amnesty International, United Way, ACLU and the EFF. You can find a longer list here.

Merchant Resources

There are several benefits to accepting bitcoin as a payment option if you are a merchant;
  • 1-3% savings over credit cards or PayPal.
  • No chargebacks (final settlement in 10 minutes as opposed to 3+ months).
  • Accept business from a global customer base.
  • Increased privacy.
  • Convert 100% of the sale to the currency of your choice for deposit to your account, or choose to keep a percentage of the sale in bitcoin if you wish to begin accumulating it.
If you are interested in accepting bitcoin as a payment method, there are several options available;

Can I mine bitcoin?

Mining bitcoins can be a fun learning experience, but be aware that you will most likely operate at a loss. Newcomers are often advised to stay away from mining unless they are only interested in it as a hobby similar to folding at home. If you want to learn more about mining you can read more here. Still have mining questions? The crew at /BitcoinMining would be happy to help you out.
If you want to contribute to the bitcoin network by hosting the blockchain and propagating transactions you can run a full node using this setup guide. Bitseed is an easy option for getting set up. You can view the global node distribution here.

Earning bitcoins

Just like any other form of money, you can also earn bitcoins by being paid to do a job.
Site Description
WorkingForBitcoins, Bitwage, XBTfreelancer, Cryptogrind, Bitlancerr, Coinality, Bitgigs, /Jobs4Bitcoins, Rein Project Freelancing
OpenBazaar, Purse.io, Bitify, /Bitmarket, 21 Market Marketplaces
Watchmybit, Streamium.io, OTika.tv, XOtika.tv NSFW, /GirlsGoneBitcoin NSFW Video Streaming
Bitasker, BitforTip, WillPayCoin Tasks
Supload.com, SatoshiBox, JoyStream, File Army File/Image Sharing
CoinAd, A-ads, Coinzilla.io Advertising
You can also earn bitcoins by participating as a market maker on JoinMarket by allowing users to perform CoinJoin transactions with your bitcoins for a small fee (requires you to already have some bitcoins)

Bitcoin Projects

The following is a short list of ongoing projects that might be worth taking a look at if you are interested in current development in the bitcoin space.
Project Description
Lightning Network, Amiko Pay, and Strawpay Payment channels for network scaling
Blockstream and Drivechain Sidechains
21, Inc. Open source library for the machine payable web
ShapeShift.io Trade between bitcoins and altcoins easily
Open Transactions, Counterparty, Omni, Open Assets, Symbiont and Chain Financial asset platforms
Hivemind and Augur Prediction markets
Mirror Smart contracts
Mediachain Decentralized media library
Tierion and Factom Records & Titles on the blockchain
BitMarkets, DropZone, Beaver and Open Bazaar Decentralized markets
Samourai and Dark Wallet - abandoned Privacy-enhancing wallets
JoinMarket CoinJoin implementation (Increase privacy and/or Earn interest on bitcoin holdings)
Coinffeine and Bitsquare Decentralized bitcoin exchanges
Keybase and Bitrated Identity & Reputation management
Bitmesh and Telehash Mesh networking
JoyStream BitTorrent client with paid seeding
MORPHiS Decentralized, encrypted internet
Storj and Sia Decentralized file storage
Streamium and Faradam Pay in real time for on-demand services
Abra Global P2P money transmitter network
bitSIM PIN secure hardware token between SIM & Phone
Identifi Decentralized address book w/ ratings system
Coinometrics Institutional-level Bitcoin Data & Research
Blocktrail and BitGo Multisig bitcoin API
Bitcore Open source Bitcoin javascript library
Insight Open source blockchain API
Leet Kill your friends and take their money ;)

Bitcoin Units

One Bitcoin is quite large (hundreds of £/$/€) so people often deal in smaller units. The most common subunits are listed below:
Unit Symbol Value Info
millibitcoin mBTC 1,000 per bitcoin SI unit for milli i.e. millilitre (mL) or millimetre (mm)
microbitcoin ?BTC 1,000,000 per bitcoin SI unit for micro i.e microlitre (?L) or micrometre (?m)
bit bit 1,000,000 per bitcoin Colloquial "slang" term for microbitcoin
satoshi sat 100,000,000 per bitcoin Smallest unit in bitcoin, named after the inventor
For example, assuming an arbitrary exchange rate of $500 for one Bitcoin, a $10 meal would equal:
  • 0.02 BTC
  • 20 mBTC
  • 20,000 bits
For more information check out the Bitcoin units wiki.
Still have questions? Feel free to ask in the comments below or stick around for our weekly Mentor Monday thread. If you decide to post a question in /Bitcoin, please use the search bar to see if it has been answered before, and remember to follow the community rules outlined on the sidebar to receive a better response. The mods are busy helping manage our community so please do not message them unless you notice problems with the functionality of the subreddit. A complete list of bitcoin related subreddits can be found here
Note: This is a community created FAQ. If you notice anything missing from the FAQ or that requires clarification you can edit it here and it will be included in the next revision pending approval.
Welcome to the Bitcoin community and the new decentralized economy!
submitted by censorship_notifier to noncensored_bitcoin [link] [comments]

Open thread, July 2017

This is an open thread to discuss items of interest. I may also use it to drop thoughts as they occur to me as well -- something of a replacement of my former "tab closure" posts, as ... well, it seems tabs are simply running away from me. Consider this an experiment that's been mulling for some time.
If you've got a question, observation, link, or anything else, feel free to post it, with a thought to the lair rules -- like house rules, but larrier.

Plugs

I strongly recommend eleitl's subreddit, /collapsademic/. "Low-volume, low-noise, moderated discussion of our coming collapse".
That's one of a set of "limits and collapse" subs I've created a multireddit for:

Facebook's secret sauce wasn't software, it was Harvard

That is, Facebook was once literally Harvard. Something it very much isn't anymore, a point I noted after cries of "but the normal people are coming" rang out on Mastodon. It's a point danah boyd has also made in her research.
There's a corollary: if your interest is in creating the next Facebook, or even merely disrupting the present one, then it strikes me one viable option would be to identify whatever your next Harvard is -- a cohort of intelligent, attractive, interesting people, who aren't much impressed by Facebook Which Is No Longer Harvard -- and kick some funding and technical support at them.
Your Next Harvard doesn't have to be Harvard, mind, though that's probably a good (and symbolic) target to include. And I can pretty much guarantee that the folks at 1 Hacker Way will go into a blind panic.
Which might just be a sufficient disruption.

Veritasium: What YouTube's algorithm selects for

Derek Muller, among the higher-quality YouTube creators, has reflected from time to time on what makes for successful YouTube content. Much of that (as with other social channels) is strongly dependent on what the site's own algorithms incentivise for. This 12 minute video looks at recent changes, and what this suggests.
Why YouTube Used to Prefer Quality.
This ties in with a ... much larger .. reflection I've been engaged in on media generally. It also highlights one of many failings with The Information Diet, which is that the information appearing online, at social media sites such as Facebook, Twitter, or Reddit, or on the sites and content farms feeding those maws, depends tremendously on what is being selected for and promoted.
Muller also fails to consider a few elements:

Tech Ontology -- Blocking factors

I'm trying to explore a few concepts before writing a post (or posts? or book?) on the idea of an ontology of technological mechanisms. In particular a few bits:
Identifying what technology is, specifically, and how it differes from both science and the liberal arts / humanities. There's a very good passage from John Stuart Mill in his Essays on some unsettled Questions of Political Economy:
One of the strongest reasons for drawing the line of separation clearly and broadly between science and art is the following:—That the principle of classification in science most conveniently follows the classification of causes, while arts must necessarily be classified according to the classification of the effects, the production of which is their appropriate end. Now an effect, whether in physics or morals, commonly depends upon a concurrence of causes, and it frequently happens that several of these causes belong to different sciences. Thus in the construction of engines upon the principles of the science of mechanics, it is necessary to bear in mind the chemical properties of the material, such as its liability to oxydize; its electrical and magnetic properties, and so forth. From this it follows that although the necessary foundation of all art is science, that is, the knowledge of the properties or laws of the objects upon which, and with which, the art dons its work; it is not equally true that every art corresponds to one particular science. Each art presupposes, not one science, but science in general; or, at least, many distinct sciences.
Comparing existing ontologies of technology. The Encyclopedia Britannica, the Bacons (Francis and Roger), the Library of Congress Classification System, the Random House Encyclopedia, and Joseph Needham's classifications come to mind.
Comparison with mechanisms within biology. Why biology? Because human technology is, as I see it, an extension of biological mechanisms, at least in large part. Nick Lane in particular has some very interesting work here.
Are the mechanisms themselves technologies? I think my answer here is no, though I want to check myself on this.
The fundamental mechanisms. All the categories boil down to "do less" or "use more", I think.
The Network Elements. Numerous of the categories I've defined have or represent network-type effects. I'm asking myself if these cannot be simplified.
Keeping the end in mind. The ultimate goal of any classification scheme is to find an underlying and simplifying pattern. The realisation as I started putting this together was that each of the mechanisms implied specific benefits, and disadvantages, for the associated mechanisms, as well as a set of common features.
Disruption. I'm looking for ways Clayton Christensen's concept comes in to play. See also Jill Lepore's The Disruption Machine: What the gospel of innovation gets wrong (2014).

John Baez, Category & Network Theory

Category theory and Network Theory are areas of research of University of California, Riverside, physics professor John Baez. I've been playing catch-up with his G+ profile and Azimuth blog. Baez has maths I don't have, but the ideas he's pursuing strike me as similar to where I'm going with my own.
See particularly his Oxford Network Theory collection.

Can privacy be quantified?

This presupposes a few other questions, including defining what privacy is.
Jill Lepore, again, has a University of Kansas lecture, "Unseen - the History of Privacy" (April, 2017), which suggests a progression from mystery to secrecy, then privacy:
Lepore also notes that "the case for privacy always comes too late" -- after the horse is out of the barn. Debates over privacy always lag advances in technology.
There's a related set of etymologies: cabinet, a chamber of secrets, secretary, one entrusted to secrets, and secret itself: "set apart, withdrawn; hidden, concealed, private", from PIE root *krei- "to sieve," thus "discriminate, distinguish".
It seems to me that privacy is the abilty to set, define, and defend boundaries. (A source of rather constant friction with Google.) In which case some of the possiblities for measurement:
That's a partial and speculative list, but it gives some sense of where I'm looking.

Employment and Automation: Why is factory work different?

The focus on the automation debate is over the likely falling wages, and apparently job security, of labour. This frequently prompts the counterargument that factory work was an earlier age's version of automation, and ultimately paid well.
One though that occurs: What if manufacturing-based factory work was an exception?
And if so, an exception to what, exactliy, and why?
A few points come to mind, with Arnold Toynbee's Lectures on the Industrial Revolution and Robert Gordon's The Rise and Fall of American Growth supplying much of the background here.
Adam Smith writes of the five factors which provide for a premium on wages:
first, the agreeableness or disagreeableness of the employments themselves; secondly, the easiness and cheapness, or the difficulty and expense of learning them; thirdly, the constancy or inconstancy of employment in them; fourthly, the small or great trust which must be reposed in those who exercise them; and, fifthly, the probability or improbability of success in them.
Several of these apply to factory work:
That's four of the five factors.
The real key to me though is that the role of human workers was as the brains and control element of a structured, automated, and powered process. Factory work is very much literally a force multiplier of raw human skill. A single man, plus machines, could have his output multiplied many times. And due to the considerations above, plus unionisation, eventually claimed a high wage.
The question is how these factors extend into the coming world of work. I have concerns. And I don't see any of the discussion of this point following the lines of analysis I've given here.
Further development in a comment at The Other Place.
And, back to unionisation: factories represent both a strength and a weakness of monopoly-as-network-control.
On the one hand, a factory is a nexus of capital, access to financing, marketing and vendor relationships, transport, power or energy, and labour. On the other, a factory is much like a mine: you cannot simply pick it up an move it to another location. Or at least this was far less true in the 19th and much of the 20th century. Over the past 50 years or so, mobility of capital, and the ability to finance and construct new factories largely at-will has increased, with labour organisation falling largely in parallel.

The Brain and the Eighth Hand

I was reminded of a fantastical riff Yonatan Zunger posted to G+ a while back in which he created an entire wealth, class, and informational complexity theory around Star Wars vaporator droids. This is fiction-on-fiction, mind, but a wonderful set of imagery:
When Owen asked C-3PO if he spoke the binary language of moisture vaporators, the proper answer for him to give (in binary) would have been "with neither too many hands nor too few," that being the idiom for speaking politely and properly. Moisture vaporators use their hands as communication ports, each finger transmitting or receiving a single channel, and touch hands to one another in order to speak; if you were to speak with more hands than the listener had available, they would miss part of what you were saying, and (especially if that were crucial metadata) they would not be able to understand you. Conversely, if you spoke with fewer hands than they listened with, your transmissions would be slow, stilted, taking far too much time. Speaking with the appropriate number of hands is a key aspect of their culture.
But as with many societies, etiquette conceals notions of class: the number of hands a moisture vaporator has is largely determined by wealth and their role. As a result, a common worker with only two or three hands will always seem slow-witted and foolish when trying to speak to a five-handed member of their bourgeoisie, and that burgher would in turn feel profoundly uncomfortable in "seven-handed society."
An eighth hand, by law and by custom, is permitted only to their Emperor, and in fact "the eighth hand" is both a symbol of and metaphor for Imperial power.
So, we get communications, class, wealth, status, and complexity of thought, in one package.
I'd run across an item at Nautilus (fantastic online source, by the way, and they're actively soliciting support currently), "How Your Brain Decides Without You:
The structure of the brain [Lisa Feldman Barrett] notes, is such that there are many more intrinsic connections between neurons than there are connections that bring sensory information from the world. From that incomplete picture, she says, the brain is “filling in the details, making sense out of ambiguous sensory input.” The brain, she says, is an “inference generating organ.” She describes an increasingly well-supported working hypothesis called predictive coding, according to which perceptions are driven by your own brain and corrected by input from the world. There would otherwise simple be too much sensory input to take in. “It’s not efficient,” she says. “The brain has to find other ways to work.” So it constantly predicts. When “the sensory information that comes in does not match your prediction,” she says, “you either change your prediction—or you change the sensory information that you receive.”
To which I obseved on the Inevitability of the Eighth Hand, by the Emperor, that is, the decisionmaking centre of society:
Thus: the emperor must always have the eighth hand, and proper interpretation and framing of the Universe requires more processing power then sensing power, and/or the obligation to discard information which cannot be integrated into the receiving frame.
On which I'll note that the most startling element of this whole episode was that I was actually able to find it using G+ search -- otherwise almost wholly useless.

"Forward to the Past" -- the Digital Library as the problem, not the solution

Eric van der Velde writes on my newfound obsession, libraries, in "Forward to the Past". I've points of disagreement and agreement.
What particularly caught my attention, though, is this:
Why is there no scholarly app store, where students and faculty can build their own libraries?
Though I disagree with the market-based approach, the premise of a self-controlled, self-contained facility for personal information management ... yeah, I'm kinda hankering that way myself.

Subreddit styling: Geopolitics has a wonderful thread-collapse design

I'd first run across this some time back ... and then couldn't recall which subreddit it was. /Geopolitics has a very slick CSS where the "collapse thread" control runs the full height of the left-hand margin, for each nesting level of a comment thread. If you've decided you've had enough of a particular digression, you can close any level of it with a single click, without having to hunt up-thread for the relevant comment. See this archived post for an example.
I'm impressed and may well steal the concept. Good UI is very rare. This is a good UI.
Why? It puts the control directly in context, makes it easy, makes it obvious, and, should you close an item by accident, makes undoing the action trivially easy.

China and classifications of industrial sectors

In a YouTube video, Mark Anderson of INVNT/IP makes mention of a classification by China of the global economy into 417 sectors, and apparently is targeting those for economic espionage. On inquiring as to where that classification is made: the Communist Party of China's 12th Five Year Plan, 2011 - 2015.
Which I now feel I need to find an English translation of.
I did track down a U.S. government assessment of the plan, however. And in that, a further interesting note on what it considers to be a failure of the plan: though the performance targets of the plan were generally hit (and fairly impressively so), the analysis argues that the structural foundations of the economy weren't adequately addressed. This strikes me as an interesting possible response to various "things are going so amazingly awfully terrifically swell!!!" glurge posts which emerge from time to time. Interesting how vision clears when focused outward....

The Tech Ontology Purity Test: Filters

Another aspect of the tech ontology: I'm somewhat stuck on the point of various purification processes and mechanisms and how these fit within the notional framework I've conceived. Especially as this capability is a highly fundamental biological process, one that is key to virtually any process. Actually, it gets us straight back to entropy and de-entropisation.
A process by which a conglomeration of two (or more) things can be reduced to two (or more) separate collections, each with only one set of components to it, is what de-entroposiation is all about.
That might be a mechanical sorting (e.g., hand-picking), size-based filters (sieves, nets, filters), density differentials (wheat/chaff sorting, bouancy, air-jet separation, charged beam, gas diffusion, centrifuge), magnetic properties, distillation processes, chemical solutions, ion-diffussion / proton-pump mechanisms (cell-wall), etc. The upshot is: how do you distinguish between what you want, and then, somehow, act differentially on the one vs. the other?
Is this strictly a process knowlege, in which case it falls under "technology"? Is it a class of actions? Is it material properties? Systems management?

Asset price inflation and Adam Smith

A wonderful Smith quote:
As soon as the land of any country has all become private property, the landlords, like all other men, love to reap where they never sowed, and demand a rent even for its natural produce.
-- Adam Smith, Wealth of Nations, Book I, Chapter VI
See previously, Asset Price Inflation of Maslovian and Productive Goods.

Robert Behn and "Gresham's Law of Leadership Strategies"

From his book The performanceStat potential a leadership strategy for producing results, Robert Behn distills what I see as a statement of Gresham's Law as a generalised constraint on complexity within systems:
He starts with the pithy observation:
Simple leadership strategies drive out the complex.
But then expands this more completely, showing the information-theoretical underpinnings of the fundamental Gresham's mechanism:
Simple, easily explained, easily comprehended, explicit-knowledge descriptions of a leadership strategy dive out subtle, complicated, tacit-knowlege appreciation for the potential of a complex leadership strategy to influence organizational behavior in ways that improve performance.
He continues to note that this comes in two forms:
  1. We humans prefer simple leadership strategies to complex ones.
  2. We also prefer simple explanations of complex leadership strategies to the subtle and complicated reality.
What I particularly like is the focus on several elements of psychology and cognition:
This suggests a subsuming mechanisms for Gresham's Law which jibes with concepts from Darwinian evolution: that systems evolve complexity costs, and that among the selective pressures which exist are those for a minimisation of complexity in light of such costs. There's an article on a computational evolution experiment, "Meet the Animats", which notes that there is a minimum complexity bound to various maze-traversal "animat" bots, though, without a complexity cost factor, the experiment found no constraint on the upward bound of complexity.
A few minor edits -- mostly deletions -- makes Behn's formulation on page 42 (appropriate) much more general:
"Simple, easily explained, easily comprehended, explicit-knowledge, descriptions ... drive out subtle, complicated, tacit-knowledge appreciation for the potential of a complex model."

Pilots vs. software users

From HN, ncallaway and kbuttler note that the airline industry's safety record is based on pushing beyond "pilot error" as an acceptable prime factor in accidents, and that the software industry might well do similarly.
While I agree generally with that sentiment, there's a key difference.
Airplane pilots are licensed, certified, trained, and regulated. There's a clear floor to who is allowed in the cockpit (barring extreme emergencies, e.g., incapacitation of a pilot). By contrast, software is made available to pretty much the entire world. And it turns out that two thirds of all adults have "poor", "below poor", or no computer skills at all. Which is to say, the qualifications floor is nonexistent. It's the tyranny of the minimum viable user.
If you're designing a one-size-fits-all system, you've got to design for this. The results, I'd argue, are ... not particularly satisfactory.
I'm not saying "don't design for the user in mind", or "don't dismiss user error". But rather, than when your floor is zero, you're going to have a remarkably difficult challenge.

One last thing ...

Do you like what you're reading here? Would you like to see a broader discussion? Do you think there are ideas which should be shared more broadly?
The Lair isn't a numbers game, my real goal is quality -- reaching, and hopefully interacting with, an intelligent online community. Something which I've found, in several decades of online interactions, difficult to achieve.
But there's something which works surprisingly well: word of mouth. Shares, by others, to appropriate venues, have generated the best interactions. I do some of that, but I could use your help as well.
So: if you see something that strikes you as particularly cogent (or, perhaps, insipid), please share it. To another subreddit. To Twitter or Facebook or G+. To the small-but-high-quality Metafilter. To your blogging circle, or a mailing list. If you work in technology, or policy, or economics, there as well.
Thanks, Morbius.
submitted by dredmorbius to dredmorbius [link] [comments]

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Instant Income App Review-Does it Really Work ?

What is Instant Income App?
Instant Income App is the new strategy for trade made by web millionaire. After generally utilizing this product to make numerous fruitful trades, I have had the capacity to make over $10,000 in the most recent two weeks from utilizing this system. In the event that you haven't ever exchanged Binary Options some time recently, it is much simpler than you might suspect. Everything you need to do is make your account, load up a couple of bucks into your account, and then begin viewing the business sector. When you feel the time is right to make your moves, then you make them.
==>Click here For Free Download Instant Income App Software From Official Site<==
Instant Income App Review- SomeStep :
• Create Your Free Account in this software.
• After Creating Your Account, You'll fill up An Order Confirmation Page, and get your Software
• Enter The Members Area, And Follow The Simple 3 Step Process & Start Making Your Trades.
• 90% trade is guaranteed. So earn is very easy. No previous experience.
Instant Income App Review- How It Works?
The Instant Income App software is made and is designed to make immense benefits from double alternatives exchanging essentially by the examination of the signs in the business. At the point when the indicator indicates that it is the correct time to exchange, it does so accordingly gaining the most elevated benefit. The site indicates that it is not difficult to download the product, simply a click away, as simple as the ABC.
A starting investment of $200 is needed from the client which makes it a little setback, yet considering the incredible benefits going to be earned this value is nothing. A client need to utilize the product to accept it, after all conviction is in seeing. James guarantees that income up to $400 could be made consistently and that too without any exertion. He doesn't say that just the sum specified is the utmost, yet this is minimum amount a user can earn every day.
Instant Income App Review - Pro’s
• It's Free To Join
• It provides for you the capability to trade both lists and currencies
• Permits you to make up to 75% for every exchange
• Completely zero commission charges or whatever available expenses or charges
• Different trading indicators upgraded consistently for most extreme achievement
• 24 hour access to the system so you can just be in the business sector
• Stunning 90% correctness rating
Instant Income App Review - Con's
• 100% secure achievement can't be ensured, but over 80% of people have success with this
Why I Love This System Besides That It’s Free
There are a ton of Binary Options exchanging programming projects hitting the business at this moment, and I utilize a number of them for an assortment of reasons. Instant Income App is my most loved on the grounds that it permits me to profit on autopilot by setting up guidelines for my exchanging, so it works 24 hours a day 7 days a week. I set up the product with certain stop misfortunes, premium rates, the amount to exchange, & to what extent to trade, and after that let it run and use cash focused around my financial plan for the day. The extraordinary thing about this system is that it is allowed to begin, and anybody can join, however this isn't going to be the situation for long.
Instant Income App Review- Bottom line :
After my first few days with Binary Options I was able to make more money than I ever did with member promoting, and I propose you do the same.
If you haven't attempted Binary Options trading, then Instant Income App is something that is going to work extremely well for you. Simply go to the site, make your account, toss in a couple of bucks, and test it out.
What have you got to lose?
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7 Figure Traveler Review - Does 7 Figure Traveler Really Work?

7 Figure Traveler Review
7 Figure Traveler is the new binary options trading software made by Manson White. After expressly utilizing this software I make numerous wining trades, I have had the capacity to make over $10,000 in the most recent two weeks from utilizing this software. On the off chance that you haven't ever traded Binary Options in the recent past, it is much less demanding than you might suspect. Everything you need to do is make your account, load up a couple of bucks into your account, and then begin viewing the business sector. When you feel the time is right to make your moves, then you make them.
7 Figure Traveler Review - What is 7 Figure Traveler?
7 Figure Traveler is a sort of Binary options trading software that you can download direct to your desktop. It deals with the rule where you need to choose whether the price of an asset will go up or down in the following sixty seconds. All that you have to think about the trade and all the pointers are held in this one product along these lines you don't need to go around searching for them on a few sites.
What you have to do here is that you have to choose if the value of the benefit will go up or down when you hit the tab. This is completely done with the utilization of two tabs: "Call" or "PUT".
When this is carried out, you hold up for 60 seconds for the result! This is all that you have to do and it will guarantee that you start profiting.
How 7 Figure Traveler Works?
7 Figure Traveler binary software is made and is intended to make gigantic benefits from binary options trading basically by the dissection of the signs in the business. At the point when the sign demonstrates that it is the opportune time to trade, it does so accordingly acquiring the most astounding benefit. The site demonstrates that it is not difficult to download the product, simply a click away, as simple as the ABC. An initial investment of $200 is needed from the trader who makes it a little setback, however considering the extraordinary benefits going to be earned this worth is nothing. A client need to utilize the product to accept it, after all conviction is in seeing. Manson White claims that profit up to $400 could be made consistently and that too without any exertion. He doesn't say that just the sum said is the breaking point; however this is the base sum a client can procure every day.
7 Figure Traveler Review
There are unquestionably a couple of things for us to discuss today concerning 7 Figure Traveler. I might want to begin by indicating out that this is a free binary options software. That implies that with a specific end goal to get access to the product you need to sign up with their suggested intermediary which is alternative rally. Each and every free binary options programming in the business sector this point has fizzled and that is a certainty.
Essentially, 7 Figure Traveler is software that trades for you. It accompanies all accessible cash sets and all signals. What you have to do is to sign up and set up your account. When you have done that, you will be advised precisely what to do to make profit, even the people who have at no other time done any trading or contributing can make it work.
The software trades for you – as per your guidelines, plan and inclination, obviously. What it does is it purchases binary options – put options or call options. The result will be that you will either twofold your cash (less charges) or lose everything. In any case, the software utilizes Mason White's demonstrated trading system so you have each opportunity to make if wining for you.
7 Figure Traveler Review – Is It FREE?
There are a ton of Binary Options trading software hitting the business sector at this moment, and I utilize huge numbers of them. 7 Figure Traveler is my most loved on the grounds that it permits me to profit on autopilot by setting up guidelines for my trading, so it works 24 hours a day 7 days a week. I set up the software with certain stop misfortunes, premium rates, the amount to trade & to what extent to trade, and after that let it run and use cash focused around my funding for the day. The extraordinary thing about this software is that it is allowed to start, and anybody can join, yet this isn't going to be the situation for long. Manson White is a mate of mine and he is just permitting a certain number of people to utilize the software before he offers it or takes it open.
Pro’s:
Con’s
Bottom Line:
I'm specifically going to keep utilizing the software as I think the results are certain. I am going to up my trade size to $100 and attempt and amplify my benefits. I propose that you begin with an amount you can manage. Then use around 5-10% of your account per trade. So on the off chance that you have $1000; you can hazard $50-$100 for every trade. In the event that you have a $500 account you can hazard $25-50 for every trade etc.
Since I made money I’m going to recommend this app, and if you go through my link below you will get a special bonus when you download the software using the link below:
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submitted by sarah49 to 7figuretravelerre [link] [comments]

The Money Glitch Software Review - System by Selena Fairbrother Scam?

STOP! Don't Rush! Before Thinking of Download The Money Glitch Software, read My Honest and Unbiased Selena Fairbrother 's The Money Glitch System Review!
http://theinsiderjohn.com/money-glitch-system-review-unique-software-scam-honest-review/
The Money Glitch is simply a free training given by Selena Fairbrother, who may have made vast amounts of money trading in Forex and stock markets. The Money Glitch tells you howto trade in binary options easily with huge profits. This really is a new and advanced options trading system approach that will highlight how to bank $957 per day without having risk!
Selena Fairbrother has produced many products within the “Making Money” niche that have all helped people generate income. We all know he or she is greater than capable so I reserved a copy of The Money Glitch yesterday. I am pretty amazed with the first day outcomes of while using system.
The Money Glitch System Review - My Story
The ‘system’ itself is very easy, and straightforward for a newbie like myself. Basically we are going to be ‘betting’ on Forex (currencies) to either rise or fall, this is done every minute. So I bet you are thinking, well how do I know which currency to ‘bet’ on?
Well that’s easy. By the side of each currency, you see the what the market has ‘bet’ on as a percentage. These guys determine what they are doing, and are generally the real stock trading traders,big banks etc. As an example, let’s say we pick the US Dollar against the AUD (Australian Dollar)you will realize a share that might be something like 83% Rise 17% Drop - this is what everyone else thinks will happen next.
binary options can be a new and exciting type of investment, to purchase (call option) or sell (put option) a particular currency pair at a specified price (called the exercise price) at a certain date (expiration date). In order to get the underlying asset or sell it off, spend the money for upfront premium towards the option seller. And supports using this right or exercise of market conditions at that time the possibility expires. The options allow foreign currency trading the possibility of achieving profits with all the high price of the currency pair or fall.
The major benefit from trading binary options is that you may create a trade quickly and generate profits as fast as without a minute! Although binary options is definitely a profitable and effective ways to earn money through trading, there are very few people actually earn money from it! If you do it blindly, the main reason is many people do not know exactly the correct ways to trade binary options, and it is very dangerous! binary options possess some RISK from it,that is why it is actually so profitable. The Money Glitch System complete eliminate the risk through giving you FREE training and proven system to earn money from binary options.
Another great thing I like about The Money Glitch System is once you open a binary options account you don’t need to risk real money at first, you can actually trade on a demo account and master the system before you start to put in real money to generate profits. Sounds pretty cool, right? Well it is…
It can be completely risk-free as I've tried it myself.
You don’t must pay everything to download The Money Glitch Software. It is actually completely without charge when you click the link.
DOWNLOAD The Money Glitch System/Software Here For FREE
Install The Money Glitch System (works on Mac and Windows)
Start the software program and make up a free account
After you have finished registration, your software license will probably be activated for without charge.
The software then starts searching for binary options signals and may alert you if you find any profitable binary options signal. All you have to do then is open position in that particular trade and also the software will handle all of those other work.
Here’s what you will find within your Members Area:
Free binary options training given by Selena Fairbrother.
Explain to you exactly systematic strategies to trade in binary options easily for huge profits
Recommend you utilize their selected binary options brokers/traders as they are hugely experience and extremely familiar with the The Money Glitch System.
Financial Well Being:
The Money Glitch System is definitely a must have product if you want to make money from trading binary options. You should know that Fx Trading is actually a hugely profitable market in fact it is getting bigger and bigger. By using this The Money Glitch software and System, it save your time to quickly profit from trading.
The machine is actually FREE to you, all that you should do is click this link below, and plug in your business and email and press ‘Get Instant Access’ - overlook the sales video. The juicy info is on the next page where the actual technique is explained comprehensive. If I keep on explaining the features of this system, then chances are you will end up seeing “Closed Out” message on sales page. So, go, check it out right now without wasting another minute.
So, What are you waiting for? Go through the below connect to download the software...
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submitted by binaryapp810 to binarymillionaire [link] [comments]

THE MILLIONAIRE CONSPIRACY– THE MILLIONAIRE CONSPIRACY REVIEWS

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Binary alternatives area system type of like standard alternatives with fastened monetary acquire however with many good things. The Millionaire Conspiracy software program the benefits of profession have come to be extra common among investors. is that the massive quantity of possibilities for financiers binary. it’s one among one of the most recent as well as the majority of attention-grabbing opportunity business means that. standard profession opportunity is in addition there, however binary commercialism is currently the market leader as a result of its features. With its simplicity that have good possibility for prime returns. The Millionaire Conspiracy rip-off the succeeding sides have developed it interesting within the marketplace simple access to twenty 4 hours With the introduction of those instruments of profession t, expensive markets came to be available to little investors. It was not possible within the past to the last public. Their business systems location system currently on-line 24/7 and you’ll invest in any hidden quality available anytime. Simpleness in field
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The Millionaire Conspiracy Software Assessment Economic markets location device packed with sophisticated graphes as well as evaluation indicators. you have actually got to travel via them for a gaining trade. in comparison to their equivalents, binary options business is that the best means of commercialism. The Millionaire Conspiracy Review just predict the instructions of the exercise value of the hidden high quality, whether it climbs or down. If your prediction is right you’ll obtain a detailed revenue. Simon X ‘s The Millionaire Conspiracy Immediate business results Binary systems provide the quickest revenue chance. The life process of the binary opportunity contract is decided on by the capitalist. it ought to be amongst day-to-day or hour. Time his agreement ends, they’re conscious of your payment. most surrounds it’s additional lucrative than the other business tool. you’ll take profits up human resources to ninetieth with limited and also short-run investment. For this payout percentage, it suffices to forecast the instructions of the appropriate worth. Threat administration In binary selections business you’re conscious of the variety of financial investment is being dangerous. If your prediction is wrong, you’ll shed your premium. Many commercialism systems supply coverage rate of V-day. this suggests that if the binary possibility expires within the cash you reach pay eighty fifth of their enhanced cash and also if the binary opportunity ends cash you’ll pay eighty fifth of the costs. Hence, threat administration is simple as an outcome of it’s intended and glued. uncertainty consider conventional life, problem artifact as well as currency markets uncertainty is higher. like all line as head of the world will certainly alteration market trends. In binary selections commercialism no uncertainty problem. Every little thing is prepared as well as within the data of binary options supplier. several choices In binary business platforms, there location system several agreements accessible offered binary choices, commodities, moneys, rate of interest futures, games as well as conjointly in time. As a result, you’re freed to choose something for sporting each their data and also passion.
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submitted by spicygeeks to MconSpiracy [link] [comments]

"Instant Cash App Review" - **Is Mark Davis Instant Cash App System Scam?

"Instant Cash App Review" – Is Instant Cash App System App Scam Or Legit? What's Mark Davis's Instant Cash App System is All about? Is it wise to invest in this binary options software.Get my experience Instant Cash App Software Review.
Product Name : Instant Cash App System
Creator: Mark Davis
Category : Binary Options
Access : Free
Official Website :Instant Cash App Systems Website
Are you ready to start trading in online? Instant Cash App Systems is a amazing binary trading software which cover the basics and advanced trading strategies. Here you can learn how to lower you trading risks with the right binary options strategy. Anyone can win and anyone can trade. It is designed to be straight forward for anyone new to trading. Just make sure that you are in control and you too can benefit from trading binary options. This system can work on budgets, tricks and advanced techniques to earn money with acceptable profits. About Instant Cash App Systems
Instant Cash App Systems came with many advantages of Binary Options trading from being easy to get started, simple to use, high payouts and quick returns. This makes them an ideal investment choice for new traders and an attractive alternative for experienced traders. You can speed up the process from your initial deposit to getting started. There are only a few steps that are involved including choosing the financial asset you want to trade, select the amount you want to trade and the direction in which you think the price will go. Then select the expiry time and sit back and wait for you options to expire. By few clicks you can done your complete trading. If the outcome of the trade is in your favour then you typically stand to gain a high profit. Additionally, investors who trade binary option use the assets with lower risk factors, in this case the investors use the options they select on the assets that are close to expiration.
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==>>> FREE Sign Up with Instant Cash App Systems <<
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Aspects Of Instant Cash App Systems
Simply select the asset, select the direction (CALL = Increase in price, PUT = decrease in price) and decide how much you wish to invest in the trade
Minimum amount of deposit $250
Investors can gain high profits in short time periods and also through this multiplicity of assets they can create a buffer against possible losses
Simple and Friendly User Interface
No Trading Experience Required
Flexible Trading: Leverage Short and Long Term Options
24/7 Premium Customer Care
This system will minimizes the risk and maximize your profits so, you can build a solid and steady income
Over Instant Cash App Systems Accuracy & Generates Solid, Reliable Profits Every Day
Benefits Of Instant Cash App Systems:
This provides a great way to diversify risk and allows investors to control the amount of risk they want to take on at a given time.
The ability for binary option traders to trade small amounts at a time makes it a greatly affordable way to trade online.
It is perfect for both short and long term trades. Long term trades are predicted with greater accuracy producing higher returns on investment.
Short term trades for 60 seconds, or 2 or 3 minutes are also highly effective and generate quick income.
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Pros:
Instant Cash App Systems offers user friendly step by step instructions to make you easy to understand and to follow.
This makes it increasingly easy to start trading and potentially profiting.
Trading platforms are available via PC and laptop and more recently via tablet and mobile phone.
The given key benefit of Instant Cash App Systems increases the success rate dramatically.
Even a lazy users with low performance can also double their income with this Instant Cash App Systems.
You don’t need to invest more than 30 minutes per day to get results.
Cons:
Without internet connection, you cannot access this system.
If you don’t follow the instructions properly, it may takes little time to get more profits.
Bottom Line
It is strongly recommended by many users and me too got more benefits and earned lot from it. Here you will also get useful trading tips to help you improve your own trading skills. This gives you several investment opportunities and flexibility when trading to successfully with changing market conditions. Sure, you can make substantial profits and make you to spend your valuable time with your family and friends. Don’t miss this opportunity, Grab it earlier…
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submitted by hazeldrew87 to altronix [link] [comments]

How to Make Money Online Business?

My Millionaire Mentor claims to pay you $500 if you don’t make money with their system. Is it too good to be true? Is My Millionaire Mentor a scam? Let’s find out in this review.

Click here Get Started Now

Click here Get Your Starter Membership Now
Learn how to make profitable website with Wealthy Affiliate training.
As outlined in our financial freedom step-by-step guide, creating extra sources of income in addition to your job is an essential step to free yourself from the shackles of employment and become financially free eventually.
Our focus is to create a sustainable and profitable income producing asset. It may start off as a side income that supplement your day job, but it will eventually grow into a full time income that allows you quit your job altogether.
Even though there are literally thousands of business opportunities online, unfortunately vast majority of them turn out to be scam.
Wealthy Affiliate is one of the rare legitimate online opportunities, and it’s free to get started too. Let’s take a look at what it has to offer in this review.
I’ve been trying all sorts of business opportunities online before I came across Wealthy Affiliate – including paid advertising for affiliate products, binary options, Forex trading, social trading, and multi-level-marketing. Not to mention falling prey to a few scams along the way.
Unfortunately, I lost much more money than I made in these previous endeavors.
Soon I realized that I did not approach online opportunities the correct way. I thought I could get rich quick online, buying into all the hypes that people pitched against me. It simply didn’t work that way.
I began following the trainings and modules of Wealthy Affiliate religiously, and learned the proper way to build a business online. I changed my mindset and aimed for the long term potential. I stopped fixating on the profits and focused on what I have learned instead.
I did not make a single cent for the first 3 months. All I did was to apply what I’ve learned in Wealthy Affiliate, tweaked my website, and learned some more. I gained satisfaction in the new skills I now command.
Between working my day job and building my business at night, I enjoyed working on my business every night tremendously, even if it’s just for 2 hours. You have to enjoy what you do to keep working on it.
I can keep rambling on, but it’s not the main purpose of this article. I just wanted to let you know that there is indeed money to be made online, but not without some dedication and effort.
Wealthy Affiliate is not a get rich quick program, and rightly so. The starter membership gives you premium access for 7 days without asking for your credit card number, which I think is a fair deal.
And if you sign up for the premium membership, you only pay a flat membership fees ($47/mth, or $29.90/mth if you decide to go yearly). There’s no hidden costs and upsells like many other programs, which means every tool and training you’ll ever need for your online business is included.
Any program that charges you an exorbitant amount of money and promises you quick riches with little to no effort is a downright scam, don’t buy into those kind of programs.
There’s no hype surrounding Wealthy Affiliate. As with any legitimate business, you will need to put in effort and time into your own website, and build it into a profitable business over time. Treat is as a business and you will get a long term asset that is invaluable to achieving financial freedom.
You can click on the button below to sign up for a free starter account. All you need to do is to set up your account, select a profile picture and write a short description of yourself to get started.
Click here Get Your Starter Membership Now
submitted by ohnoshe to gameinfun [link] [comments]

My Millionaire Mentor Review - Scam or Sweet Opportunity

My Millionaire Mentor claims to pay you $500 if you don’t make money with their system. Is it too good to be true? Is My Millionaire Mentor a scam? Let’s find out in this review.
Click here Get Started Now

Click here Get Your Starter Membership Now
Learn how to make profitable website with Wealthy Affiliate training.
As outlined in our financial freedom step-by-step guide, creating extra sources of income in addition to your job is an essential step to free yourself from the shackles of employment and become financially free eventually.
Our focus is to create a sustainable and profitable income producing asset. It may start off as a side income that supplement your day job, but it will eventually grow into a full time income that allows you quit your job altogether.
Even though there are literally thousands of business opportunities online, unfortunately vast majority of them turn out to be scam.
Wealthy Affiliate is one of the rare legitimate online opportunities, and it’s free to get started too. Let’s take a look at what it has to offer in this review.
I’ve been trying all sorts of business opportunities online before I came across Wealthy Affiliate – including paid advertising for affiliate products, binary options, Forex trading, social trading, and multi-level-marketing. Not to mention falling prey to a few scams along the way.
Unfortunately, I lost much more money than I made in these previous endeavors.
Soon I realized that I did not approach online opportunities the correct way. I thought I could get rich quick online, buying into all the hypes that people pitched against me. It simply didn’t work that way.
I began following the trainings and modules of Wealthy Affiliate religiously, and learned the proper way to build a business online. I changed my mindset and aimed for the long term potential. I stopped fixating on the profits and focused on what I have learned instead.
I did not make a single cent for the first 3 months. All I did was to apply what I’ve learned in Wealthy Affiliate, tweaked my website, and learned some more. I gained satisfaction in the new skills I now command.
Between working my day job and building my business at night, I enjoyed working on my business every night tremendously, even if it’s just for 2 hours. You have to enjoy what you do to keep working on it.
I can keep rambling on, but it’s not the main purpose of this article. I just wanted to let you know that there is indeed money to be made online, but not without some dedication and effort.
Wealthy Affiliate is not a get rich quick program, and rightly so. The starter membership gives you premium access for 7 days without asking for your credit card number, which I think is a fair deal.
And if you sign up for the premium membership, you only pay a flat membership fees ($47/mth, or $29.90/mth if you decide to go yearly). There’s no hidden costs and upsells like many other programs, which means every tool and training you’ll ever need for your online business is included.
Any program that charges you an exorbitant amount of money and promises you quick riches with little to no effort is a downright scam, don’t buy into those kind of programs.
There’s no hype surrounding Wealthy Affiliate. As with any legitimate business, you will need to put in effort and time into your own website, and build it into a profitable business over time. Treat is as a business and you will get a long term asset that is invaluable to achieving financial freedom.
You can click on the button below to sign up for a free starter account. All you need to do is to set up your account, select a profile picture and write a short description of yourself to get started.
Click here Get Your Starter Membership Now
submitted by merisujon3 to kakgilebu [link] [comments]

Private Wealth App Review-Thinking of Buying? Don't!

What is Private Wealth App?
Private Wealth App is the new strategy for trade made by web millionaire. After generally utilizing this product to make numerous fruitful trades, I have had the capacity to make over $10,000 in the most recent two weeks from utilizing this system. In the event that you haven't ever exchanged Binary Options some time recently, it is much simpler than you might suspect. Everything you need to do is make your account, load up a couple of bucks into your account, and then begin viewing the business sector. When you feel the time is right to make your moves, then you make them.
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Private Wealth App Review- SomeStep :
· Create Your Free Account in this software. · After Creating Your Account, You'll fill up An Order Confirmation Page, and get your Software · Enter The Members Area, And Follow The Simple 3 Step Process & Start Making Your Trades. · 90% trade is guaranteed. So earn is very easy. No previous experience.
Private Wealth App Review- How It Works?
The Private Wealth App software is made and is designed to make immense benefits from double alternatives exchanging essentially by the examination of the signs in the business. At the point when the indicator indicates that it is the correct time to exchange, it does so accordingly gaining the most elevated benefit. The site indicates that it is not difficult to download the product, simply a click away, as simple as the ABC. A starting investment of $200 is needed from the client which makes it a little setback, yet considering the incredible benefits going to be earned this value is nothing. A client need to utilize the product to accept it, after all conviction is in seeing. James guarantees that income up to $400 could be made consistently and that too without any exertion. He doesn't say that just the sum specified is the utmost, yet this is minimum amount a user can earn every day.
Private Wealth App Review - Pro’s
· It's Free To Join · It provides for you the capability to trade both lists and currencies · Permits you to make up to 75% for every exchange · Completely zero commission charges or whatever available expenses or charges · Different trading indicators upgraded consistently for most extreme achievement · 24 hour access to the system so you can just be in the business sector · Stunning 90% correctness rating
Private Wealth App Review - Con's
· 100% secure achievement can't be ensured,but over 80% of people have success with this
Why I Love This System Besides That It’s Free
There are a ton of Binary Options exchanging programming projects hitting the business at this moment, and I utilize a number of them for an assortment of reasons. Private Wealth App is my most loved on the grounds that it permits me to profit on autopilot by setting up guidelines for my exchanging, so it works 24 hours a day 7 days a week. I set up the product with certain stop misfortunes, premium rates, the amount to exchange, & to what extent to trade, and after that let it run and use cash focused around my financial plan for the day. The extraordinary thing about this system is that it is allowed to begin, and anybody can join, however this isn't going to be the situation for long. James is a buddy of mine and he is just permitting a certain measure of individuals to utilize the product before he offers it or takes it public.
Private Wealth App Review- Bottom line :
After my first few days with Binary Options I was able to make more money than I ever did with member promoting, and I propose you do the same. If you haven't attempted Binary Options trading, then Private Wealth App is something that is going to work extremely well for you. Simply go to the site, make your account, toss in a couple of bucks, and test it out. What have you got to lose?
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