[Daily Discussion] Saturday, April 06, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Saturday, April 06, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Saturday, April 06, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Saturday, April 06, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays
• Altcoins Discussion: Altcoin Discussion

[Altcoin Discussion] Saturday, April 06, 2019

Thread topics include, but are not limited to:

• Discussion related to recent events
• Technical analysis, trading ideas & strategies
• General questions about altcoins

Thread guidelines:

• Be excellent to each other.
• All regular rules for this subreddit apply, except for number 2. This, and only this, thread is exempt from the requirement that all discussion must relate to bitcoin trading.
• This is for high quality discussion of altcoins. All shilling or obvious pumping/dumping behavior will result in an immediate one day ban. This is your only warning.
• No discussion about specific ICOs. Established coins only.

If you're not sure what kind of discussion belongs in this thread, here are some example posts. News, TA, and sentiment analysis are great, too.

Other ways to interact:

• Get an invite to live chat on our Slack group and check out the #altcoins channel
• Daily Discussion for bitcoin only: Daily Discussion
• Prior Altcoin Discussion: Altcoin Discussion

[Daily Discussion] Saturday, April 06, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

Whole life insurance isn't a sin

Throw away for obvious reasons to come.

Lots of people here like to ream the whole life insurance policy. They make it sound like you are a boon if you even consider it. But with everything here, it is a personal choice. I'm just being a voice for those who might consider it. I'm also writing this to get your constructive feed back on our (my husband and I's) perspective. If you are just going to shit post, go somewhere else.

​

Background: My husband and I live in Silicon Valley with one FANNG income. I stay at home with our two toddlers. I quit college with just an AA to follow him and my dreams. We are three years out of college and have always been financially aware/conscious. Originally I was against all forms of life insurance, including term. I wanted to self insure and as a math major with 122 hours behind my degree (I switched 3 times and had about 18 hours left of hard classes to go) I was able to do the math and run some cost analysis. From purely a numbers perspective it didn't make sense.

​

We were gifted our first term policies on our wedding day. My husband's brother worked for everybody's most hated firm. Yep those guys. Anyway, he bought us each something like $200k term and agreed to pay for it for about 18 months. Sweet deal. Within this time frame our first child was born. We learned what it was like to pull in a huge salary. Then the fight happened.

​

It was time for us to take over the policy. Issue number one I had was that the policy rep was in fact our brother. I will never mix finances and family together like that. So we agreed to use a different agent. No biggy, and brother understood. Then, we had to iron out if in fact we wanted to keep both policies. There was no reason to keep the policy on me, or so I thought. My husband wanted to keep it, because if I were to die while taking care of our son, he would want to take a considerable amount of time off work and reevaluate life in general plus make new accommodations. All while not eating into our NW.

​

But how does this apply to whole life? Well, once we started to dig into the insurance realm and talk to a different adviser to see what our options are (always a good idea to get the most information possible) we were introduced to the idea of whole life. My head just started to scream. This was a worse option! But wait, there's more.

​

Let's take a step back and evaluate the situation we are in. My husband works, I keep the house and raise the children. While I am a more than competent young lass, my passion is my family/children. It was never in our minds that I would ever have to earn a dollar to survive. Our plan is to be FIRE by 35-40ish. So, if possible, in the unlikely event that my husband dies, why would we want anything else for our family? Child number two was well on the way during the switch over. So for the security we decided we wanted, we needed a finical vessel to accomplish our goals. For the amount of money we are talking term policies are just ridiculous.

​

The Case for Whole Life: It gives you options. With term if you want out, you basically loose all of your money and it expires when you turn 80. It's gone. But with Whole Life you have cash value. No it's not what you paid in, but if done correctly is significantly more than 50% of your premiums. This is not always the case. You have to fund your policy higher than the minimums. In fact, we fund the policy to the legal limit. Whole life is tax free growth. FASFA numbers are not effected by your cash value in a life insurance policy (I doubt this will matter for our kids, but you never know). We are also guaranteed* (but not legally binding) a dividend that historically has been at 4% or better. It diversifies your portfolio, and while may cost you a bit more, gives you a service. You can never lose your money, once it's in the cash value it stays, even in a bear market. We no longer make decisions on where is the safest place to put our in case of death money. We no longer stress about what ifs. It relieves the VTSAX verses bond tenting verses bitcoin debate.

​

The cost: Sure, if we invested the money ourselves, we could potentially have a higher NW. We spend about 1% of our gross salary in unrecoverable "fees" to have the insurance. Our standard of living is well below our means to front load this account. We will pay a premium for 10 years, and then never again. We have our adviser check in with us once a year.

​

Edit: Some math done in the comments that compares the same amount of term to whole life. Probably should have included this in the original post. The policy on my SO is for 2.5mm, our FI number. It is as high as it is because if he dies tomorrow, he wants the kids and myself taken care of (we can't use the 4% rule when I expect to live another 75+ years) so that would be a yearly withdraw around 75k, assuming no large costs for university. A term life policy on him for 2.5mm would run around $800, which is only about $200 less than what we lose in whole life "fees." It actually comes out ahead for us to have whole life if you compare it to term for this reason. 200x12x10=24,000. (The price difference between term and whole, times 12 months a year, times 10 years). Our cash value after one year was already higher than this.

[Daily Discussion] Saturday, April 06, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Saturday, April 06, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Saturday, April 06, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[SHARE][FREE DOWNLOAD] Textbook Megathread #3 PDF

Download Any of These as PDFs for FREE at

https://gemverify.com/585933

1. Barron's CCRN Exam: Juarez, APN, CCNS, CCRN-K, Patricia

2. Microeconomics, 7th Edition: Jeffrey M. Perloff

3. Cracking the AP Psychology Exam, 2017 Edition: Proven Techniques to Help You Score a 5 (College Test Preparation): Princeton Review

4. Introduction to Abnormal Child and Adolescent Psychology, 3rd Edition: Robert Weis

5. Managerial Economics, 4th Edition: Luke M. Froeb & Brian T. McCann & Michael R. Ward & Mike Shor

6. Writing that Works: Communicating Effectively on the Job, 12th Edition: Walter E. Oliu & Charles T. Brusaw & Gerald J. Alred

7. Horngren's Financial & Managerial Accounting, The Financial Chapters, Global 5th Edition: Tracie L. Miller-Nobles & Brenda L. Mattison & Ella Mae Matsumura

8. Biology: The Dynamic Science, 4th Edition: Peter J. Russell, Paul E. Hertz, Beverly McMillan

9. CCENT ICND1 100-105 Exam Cram, 3rd Edition: Anthony Sequeira

10. 31 Days Before Your CCNA Routing & Switching Exam: A Day-By-Day Review Guide for the ICND1/CCENT (100-105), ICND2 (200-105), and CCNA (200-125) Certification Exams: Allan Johnson

11. Global Capitalism: Its Fall and Rise in the Twentieth Century: Jeffry A. Frieden

12. The Origins of the Modern World: A Global and Environmental Narrative from the Fifteenth to the Twenty-First Century (World Social Change), 3rd Edition: Robert B. Marks

13. Transformations: Women, Gender and Psychology, 2nd Edition: Mary Crawford

14. Strategic Compensation: A Human Resource Management Approach, Global 8th Edition, : Joseph J. Martocchio

15. Terrorism in the 21st Century, 7th Edition: Cynthia C. Combs

16. Campbell Biology, Canadian 2nd Edition: Steven A. Wasserman

17. Barron's ACT, 2nd edition (Barron's Act (Book Only)): Brian W. Stewart

18. The Official ACT Prep Guide: ACT

19. Ultimate Guide to the Math ACT: Richard Corn

20. Corporate Communication (Irwin Business Communications), 7th Edition: Paul A Argenti

21. Biological Psychology, 12th Edition: James W. Kalat

22. Financial Accounting: IFRS, 3rd Edition: Jerry J. Weygandt & Paul D. Kimmel & Donald E. Kieso

23. Society and Technological Change, 7th Edition: Rudi Volti

24. Java Foundations: Pearson New International 3rd Edition: John Lewis & Peter DePasquale & Joe Chase

25. University Physics with Modern Physics, 14th Edition: Hugh D. Young & Roger A. Freedman & A. Lewis Ford & Francis Weston Sears

26. Gateways to Art: Understanding the Visual Arts, 2nd Edition: Debra J. DeWitte & Ralph M. Larmann & M. Kathryn Shields

27. Essentials of Abnormal Psychology, 7th Edition: V. Mark Durand & David H. Barlow

28. Finite Mathematics, 6th Edition: Stefan Waner & Steven Costenoble

29. New Perspectives Microsoft Office 365 & Access 2016: Comprehensive: Mark Shellman & Sasha Vodnik

30. Environment: The Science behind the Stories, 6th Edition: Jay H. Withgott & Matthew Laposata

31. Digital Planet: Tomorrow's Technology and You, Introductory (Computers Are Your Future), 10th Edition: Ben Beekman & George Beekman

32. Architecture and Interior Design: An Integrated History to the Present: Buie Harwood & Bridget May & Curt Sherman

33. Curren's Math for Meds: Dosages and Solutions, 11th Edition: Anna M. Curren & Margaret Witt

34. The Legal Environment of Business: Text and Cases, 10th Edition: Frank B. Cross & Roger LeRoy Miller

35. Prentice Hall's Federal Taxation 2015 Comprehensive: Thomas R. Pope & Timothy J. Rupert & Kenneth E. Anderson

36. Drug Use and Abuse: A Comprehensive Introduction, 9th Edition: Howard Abadinsky

37. Davis's Canadian Drug Guide for Nurses, 15th Edition: April Hazard Vallerand & Cynthia A Sanoski & Judith Hopfer Deglin

38. Psychology, 12th Edition: Carole Wade & Carol Tavris

39. How to Nurse: Gweneth Hartrick Doane & Colleen Varcoe

40. The Advertising Concept Book: Think Now, Design Later, 3rd Edition: Pete Barry

41. Software, Infrastructure, Labor: A Media Theory of Logistical Nightmares: Ned Rossiter

42. Organic Chemistry, 8th Edition: Paula Yurkanis Bruice

43. Humanities: Culture, Continuity and Change, The, Volume I, 3rd Edition: Henry M. Sayre

44. Financial Accounting, 9th Edition: Robert Libby

45. Preface to Marketing Management, 14th Edition: J. Paul Peter

46. Fundamentals of Differential Equations, 9th Edition: R. Kent Nagle & Edward B. Saff & Arthur David Snider

47. New Dimensions in Women's Health, 7th Edition: Linda Lewis Alexander & William Alexander & Judith H. LaRosa & Helaine Bader

48. Essentials of Economics, 10th Edition: Bradley Schiller

49. Purchasing and Supply Management (The Mcgraw-Hill Series in Operations and Decision Sciences), 15th Edition: P. Fraser Johnson

50. Biological Science, 6th Edition: Scott Freeman,Kim Quillin,Lizabeth Allison,Michael Black,Emily Taylor,Author

51. Critical Thinking: A Students Introduction, 5th Edition: Gregory Bassham & William Irwin & Henry Nardone & James Wallace

52. Music for Sight Singing, 6th Edition: Thomas E. Benjamin & Michael Horvit & Robert S. Nelson

53. Microsoft Office 2013: Advanced (Shelly Cashman Series): Misty E. Vermaat

54. Entrepreneurship, 4th Edition: Andrew Zacharakis & William D. Bygrave & Andrew C. Corbett

55. Blockchain: Ultimate guide to understanding blockchain, bitcoin, cryptocurrencies, smart contracts and the future of money: Mark Gates

56. Understanding Computers: Today and Tomorrow, Comprehensive, 16th Edition: Deborah Morley & Charles S. Parker

57. The Boundaries of Australian Property Law: Hossein Esmaeili & Brendan Grigg

58. New Perspectives on Computer Concepts 2016, Introductory: June Jamrich Parsons

59. California Politics and Government: A Practical Approach, 14th Edition: Larry N. Gerston & Terry Christensen

60. Foodservice Organizations: A Managerial and Systems Approach, 8th Edition: Mary B. Gregoire

61. The Elements of Moral Philosophy, 8th Edition: James Rachels

62. Social Science: An Introduction to the Study of Society, 16th Edition: Elgin F. Hunt & David C. Colander

63. Psychiatric Nursing, 7th Edition: Norman L. Keltner & Debbie Steele

64. Microsoft SQL Server 2016: A Beginner's Guide, Sixth Edition (Beginner's Guides): Dusan Petkovic

65. The Analytic Hospitality Executive: Implementing Data Analytics in Hotels and Casinos (Wiley and SAS Business Series): Kelly A. McGuire

66. Diseases of the Human Body, 6th edition: Carol D Tamparo

67. Principles of Corporate Finance (Mcgraw-Hill/Irwin Series in Finance, Insurance, and Real Estate),12th Edition: Richard Brealey

68. Gerontological Nursing, 8th Edition: Charlotte Eliopoulos

69. How to Use SPSS®: A Step-By-Step Guide to Analysis and Interpretation, 9th Edition: Brian C Cronk

70. What is Life? A Guide to Biology, 3rd Edition: Jay Phelan

71. Archaeology: Theories, Methods, and Practice (Seventh Edition): Colin Renfrew & Paul Bahn

72. Problem Solving and Program Design in C, 8th Edition: Jeri R. Hanly & Elliot B. Koffman

73. Economics, 4th Edition: Paul Krugman & Robin Wells

74. Strategic Brand Management, Global 4th Edition: Kevin Keller

75. Winningham's Critical Thinking Cases in Nursing: Medical-Surgical, Pediatric, Maternity, and Psychiatric, 6th Edition: Mariann M. Harding & Julie S. Snyder

76. Maternal-Newborn Nursing The Critical Components of Nursing Care, 2nd Edition: Roberta Durham & Linda Chapman

77. Object-Oriented Software Engineering: An Agile Unified Methodology: David Kung

78. Ebersole and Hess' Gerontological Nursing and Healthy Aging, Canadian 1st Edition: Theris A. Touhy & Kathleen F Jett & Veronique Boscart & Lynn McCleary

79. Varcarolis's Canadian Psychiatric Mental Health Nursing, Canadian 1st Edition: Margaret Jordan Halter

80. Understanding Global Cultures: Metaphorical Journeys Through 34 Nations, Clusters of Nations, Continents, and Diversity, 6th Edition: Martin J. Gannon & Rajnandini K. Pillai

81. Principles of Contract Law, (Concise Hornbook Series), 3rd Edition: Robert Hillman

82. Understanding Motor Development: Infants, Children, Adolescents, Adults, 7th edition: David Gallahue & John Ozmun & Jacqueline Goodway

83. Maternal, Fetal, & Neonatal Physiology (Maternal Fetal and Neonatal Physiology), 4th Edition: Susan Blackburn

84. Japanese From Zero! 1: Proven Techniques to Learn Japanese for Students and Professionals, 5th Edition: George Trombley

85. Making Sense of Mass Education, 2nd Edition: Gordon Tait

86. Starting Out with Java: From Control Structures through Objects, 6th Global Edition: Tony Gaddis

87. Grant's Dissector, 16th edition: Alan J. Detton

88. Principles of Information Systems, 13th Edition: Ralph Stair & George Reynolds

89. OAuth 2 in Action: Justin Richer & Antonio Sanso

90. Study Guide for Fundamentals of Nursing, 8th Edition: Geralyn Ochs

91. Shelly Cashman Series Microsoft Office 365 & Access 2016: Comprehensive: Philip J. Pratt & Mary Z. Last

92. Mastering the Requirements Process: Getting Requirements Right, 3rd Edition: Suzanne Robertson & James Robertson

93. CISSP Guide to Security Essentials, 2nd Edition: Peter Gregory

94. Hacking Exposed Windows: Microsoft Windows Security Secrets and Solutions, 3rd Edition: Joel Scambray

95. Campbell Biologie: Gymnasiale Oberstufe (Pearson Studium - Biologie Schule) (German Edition): Neil A. Campbell & Jane B. Reece

96. Linux Hardening in Hostile Networks: Server Security from TLS to Tor (Pearson Open Source Software Development Series): Kyle Rankin

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98. A History of Western Society Since 1300, Advanced Placement, 11th Edition: John P. McKay & Bennett D. Hill & John Buckler & Clare Haru Crowston & Merry E. Wiesner-Hanks & Joe Perry

99. Ways of the World with Sources for AP*, 3rd Edition: Robert W. Strayer & Eric W. Nelson

100. The Earth and Its Peoples: A Global History, Volume I: To 1550, 6th Edition: Richard Bulliet & Pamela Crossley & Daniel Headrick & Steven Hirsch & Lyman Johnson

101. Voyages in World History, Volume 2, 3rd Edition: Valerie Hansen & Ken Curtis

102. Probability & Statistics for Engineers and Scientists with R, 9th Edition: Michael Akritas

103. Crime, Victims and Justice: Essays on Principles and Practice: Marijke Malsch

104. Contemporary Business, Canadian Edition: Louis E. Boone & David L. Kurtz & Michael Khan & Brahm Canzer

105. Automation, Production Systems, and Computer-Integrated Manufacturing, 4th Edition: Mikell P. Groover

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107. Social Psychology, 9th Edition: Elliot Aronson & Timothy D Wilson & Samuel R. Sommers

108. Cracks in the Schoolyard—Confronting Latino Educational Inequality: Gilberto Q. Conchas

109. The Internet of Risky Things: Trusting the Devices That Surround Us, 1st Edition: Sean Smith

110. Foundations of Business, 5th Edition: William M. Pride & Robert J. Hughes & Jack R. Kapoor

111. Effective Help Desk Specialist Skills: Darril Gibson

112. Social Psychology, 12th Edition: David Myers

113. Becoming a Critical Thinker: A User-Friendly Manual, 6th Edition: Sherry Diestler

114. Prioritization, Delegation, and Assignment: Practice Exercises for the NCLEX Exam, 3rd Edition: Linda A. LaCharity & Candice K. Kumagai & Barbara Bartz

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116. The Official (ISC)2 Guide to the SSCP CBK, 4th Edition: Adam Gordon & Steven Hernandez

117. Fundamentals of Futures and Options Markets, 9th Edition: John C. Hull

118. Practice Makes Perfect: Advanced French Grammar: All You Need to Know For Better Communication (Practice Makes Perfect Series): Véronique Mazet

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120. New Grade 9-1 GCSE Biology: AQA Revision Guide: CGP Books

121. New Grade 9-1 GCSE Physics: AQA Revision Guide: CGP Books

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123. PMP Project Management Professional Review Guide, 3rd Edition: Kim Heldman

124. PMP® Certification All-in-One For Dummies®, 2nd Edition: Snyder, Cynthia

125. PMP® Exam Simplified: Updated for 2016 Exam (PMP® Exam Prep Series Book 4), 5th Edition: Aileen Ellis

126. The Complete ‘Ace Your PMP® Exam’ Series: Essential PMP® Concepts Simplified: Shiv Shenoy

127. Crack the New (2016) PMP® Exam in 4 Weeks: Using Simple, Proven, Step-by-Step Approach (Ace Your PMP® Exam): Shiv Shenoy

128. PMP Project Management Professional Study Guide, 4th Edition (Certification Press): Joseph Phillips

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130. Working With Challenging Parents of Students With Special Needs: Jean Cheng Gorman

131. Statistics in Practice, 1st Edition: David S. Moore & William I. Notz & Michael A. Fligner

132. Introduction to Programming with C++,International Edition, 3rd Edition: Y Daniel Liang

133. Focus on Personal Finance, 5th Edition: Les Dlabay & Robert J. Hughes & Jack Kapoor & Melissa Hart

134. Leviathan: Thomas Hobbes, Edwin Curley

135. Exploring Microsoft Word 2016 Comprehensive (Exploring for Office 2016 Series): Mary Anne Poatsy & Linda Lau & Lynn Hogan

136. Real World Psychology, 2nd Edition: Catherine A. Sanderson & Karen Huffman

137. Sociology: A Down-to-Earth Approach, 13th Edition: James M Henslin

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

Freelancing guide for beginners in Venezuela(Without Programming Skillls) / Guía de Freelance para principiantes en Venezuela (Sin conocimiento de programación)

Hello reddit! My name is LinkToU, and i’ve been commissioned by u/justgord to share some of my freelancing experience, living in Venezuela. It might not be much, but hopefully it'll help some people get started.

I’ve seen countless numbers of posts here in this subreddit, asking for advice on how to get started, and what are the best ways to receive money, so those are topics i’ll be touching upon in this guide.

As the title says, this is a guide that requires NO programming skills, this is meant to be a guide towards beginners, and people that are having a rough time, like i was, two and a half years ago, before getting into this.

 

First of all, i recommend reading this guide through google docs, because i'm not too familiar with reddit's formatting, and i think this version just looks better: https://docs.google.com/document/d/1DotVUAtEAUXfgTAhDZtmylTzA4nImhoAGZCI-8XdKtM/edit?usp=sharing

Spanish version: https://docs.google.com/document/d/13DNEyyF7F-fXjpA1AplGqQjVh0H_LWd0cCjoKdZzQm4/edit?usp=sharing

 

 

Now, without further ado, let’s dive right into this.

 

What type of work can you expect to find?

There are actually a few types of jobs that you can easily find without any specific skill, for example, translations, lead generation, data entry, transcriptions, writing articles, and even being a virtual assistant. This list could go on and on, but i’ll just give you a couple websites where you can find these types of work, and you can go figure out what’s best for you.

 

Where to find work?

Most of the freelance work i've done it's been through two major websites, so i'll talk a little bit about them and about my experience with each.

 

Spare5 (https://app.spare5.com/) is the crowdworking website that got me into this, . This is basically a crowdworking website where you’ll be reviewing different images, annotating and drawing different polygons to help train AI to identify everyday objects.

Getting started in this page is the hardest part, but i’d say it’s just as hard as it was back in 2017 when i started.

You’ll first have to complete every tutorial, then move on to the qualifiers and onto paid tasks (be sure that you understand every task before diving into them, because if you don’t perform well on your paid tasks, they’ll be taken away from you, and you might even get permanently banned).

The minimum payment is $1, and the payment method that they use is PayPal, you don’t need to have a verified Paypal account, and you WILL NOT get your account limited by just receiving money from this page.

Like i said, the hardest part of this page is to get started, as tasks will be scarce, so try not to make any mistakes, and do every task as best as you can, this will guarantee that they give you even more tasks, and eventually, you’ll be assigned permanent tasks, and your dashboard will look something like this: https://imgur.com/a/TSUASME , as you notice, the payment for each task is really low but don’t get discouraged, you’ll want to find one that is easy to do, and that you can memorize the instructions, i’ve made up to $20 in just a couple of hours, out of easy tasks that paid 0.2c each. Of course, you’ll need practice, Practice makes perfect.

I have NOT been working on this page lately, because the payment per tasks has been diminished, and tasks only get more and more complicated to complete.

 

• Pros of Spare5
  • Your payment is 100% secure with them (unless you get banned for underperforming in too many tasks), even if your Paypal account gets limited, you can reimburse the money they’ve sent you back to your Spare5 account (I’ve never done this, but i know it can be done, and the Spare5 team even helps you in the process).
  • The amount of tasks available are based in your performance, which means if you do well, you’re almost guaranteed to have some work to do whenever there is some available.
  • Some tasks are easy to do, and pay a good amount, i’ve made up to $50 in a good night, just off of tasks that paid 0.2c each.
  • Your earnings in this page do not only come from doing tasks yourself, there is a referral program where you’ll get 20% out of the first $100 that EACH of your referrals earns, and they’ll get 10% more out of their first $100 too, just for being referred by you.
  • Once you have enough experience in the page, you may have the Spare5 team reach out to you personally to test new features that they’re planning to add to the mainpage in the future, or just to interview you and ask questions to you about different things. All of these, are paid, and i’ve been approached on multiple occasions by the Spare5 team to take part in these. There is also a moderator position in their forums, i’m not entirely sure on how it works, but i’ve heard they pay you based on the amount of people that you help, only if you have the moderator role.

 

• Cons of Spare5

  • As there is a limited number of available tasks, there are bound to be times where none is available, even if you have lots of experience, there are certain times of the year where there’s just no work to do (Usually January). This is what prompted me to stop using this website, and find a more reliable income.
  • Lots of reading through the instructions of any given task, which is bad specially because you may finish reading the instructions to a given task, only to have to move to another one after a short while, one you run out of available tasks of the kind that you were doing.
  • You’re subject to the revision of other users, which means, if you complete the task perfectly, but the person reviewing you makes a mistake, you’ll be punished for that. Even if you’re the one reviewing, the way to determine if a given task is good or bad, is based on what % of people reviewing the same image as you, passed it as good or bad, which means if you’re right, and the majority is wrong, again, you’ll be punished for it.

 

• My recommendations for Spare5

  • Take your time, and really read through every single one of the instructions. If you get banned for underperforming, you will be permanently expelled from the website.
  • If you are unsure about what to do in a specific case, after reading through the instructions, ask the community for advice, they’re more than happy to help.
  • If, after you read through every single one of the instructions, and you’ve asked for advice from other community users, and you’re still unsure about a specific case, Skip the image.
  • Don’t be hesitant to Skip images, it has no negative repercussion whatsoever, i learned to see the skip button, as another tool that i used constantly.

 

 

Next, is Reddit, more specifically, the subreddit where i’ve found most of my freelancing jobs, is /r/slavelabour , where people post any kind of job that they need done (Seriously, any, i’ve seen many kinds of crazy stuff going on there), along with a payment offer, and usually a method.

This one is pretty good, since you can find different kinds of work based on your skills, i’ve mostly done data entry types of jobs there, but there are many others easy for beginners, you just have to keep an eye out for when any potential job gets posted.

Other similar subreddits that i frequent, but aren’t as active as /r/slavelabour are: /r/Jobs4Bitcoins/ , /r/WorkOnline/ /r/ForHire/ Follow the same advice that i will give for /r/slavelabour , as these work similarly.

• Pros of Reddit’s /r/slavelabour & similar subreddits.

  • Diversity of jobs based on your skills.
  • Opportunity for long-term positions.
  • You can directly talk to your possible employer and discuss the payment method of your preference.
  • Great amounts of available job openings.
  • Simple jobs available.

• Cons of Reddit's /r/slavelabour & similar subreddits

  • You have to be careful and look out for possible scammers
  • You need a minimum of reddit activity and possibly previous job references.
  • Pay rates are usually low.
  • There is a high demand for the job offerings, so you'll have to be quick and be able to pitch yourself well.

• My recommendations for these subreddits.

  • If something looks too good to be true, it probably is.
  • Ask for your payment upfront, and build trust within the community.
  • If you’re going to work for someone, check their profile and activity, if anything looks off, don’t risk wasting your time.

 

Those are the main two websites where i've worked at for the past two years, there are some others that i know of, but since i haven't used them, i don't know how they work.

 

 

Now, let's talk a little bit about payment methods, and what are some good options for receiving your money once you've got yourself some gigs.

 

Payment methods:

Now that you know what are some good places to get started, let's talk about what's the best place to receive your payments, and keep your money safe. I’ll take about the few methods that i’ve used myself, such as PayPal, Uphold, AirTM, and most recently, Cryptos.

 

Where to receive your payments?

• PayPal is the easiest way to receive and send money, with medium fees, it's one of the easiest to setup, as well as the most commonly used, from my experience.

  However your money is not 100% safe here, as your account could be limited, and your assets frozen, until you can prove that your earning aren't illicit, and you're not using PayPal for anything illegal, this latter being the hardest to prove, since, as you know, selling your PayPal money in USD, for Venezuelan currency(Bs), is illegal.

  If you’re thinking about using PayPal, i’d recommend you to verify your account, with a credit card under your name. Using a virtual credit card, is against PayPal ToS, but i used one anyways and haven’t had any trouble, since there are not many options here in Venezuela, since it’s near impossible to get a proper USD credit card.

 

• Pros of using PayPal

  • It’s really easy to setup a PayPal account, as well as sending and receiving money.
  • It’s the most commonly used payment method for freelance gigs.
  • Exchanging money between PayPal and Venezuela’s currency, is easy, as buyers and exchangers are rather easy to find.
  • You can refund your money if you were to encounter a scammer whilst exchanging currencies.
  • There are some websites that guarantee you, and your PayPal account integrity & safety whilst exchanging currency.
  • It’s possible to withdraw your PayPal balance into an US Bank account, with minimum fees.
  • Can use your PayPal balance to buy in websites such as Ebay, Wish and many other websites.

 

• Cons of using PayPal:

  • Fees are too high compared to other platforms.
  • Verifying your account is a must to protect your money, and some buyers will only buy money from verified accounts.
  • PayPal’s customer service isn’t very helpful, or understanding when it comes down to trying to recover a limited account.
  • Scammers might try to refund the money they’ve sent you after you confirm it, and you’d have to dispute.
  • There is a chance that you could get your account limited, this has never happened to me, however.

 

• My recommendations for using PayPal:

  • First and foremost, verify your account, it’ll make life much easier for you, and you’ll be able to use your PayPal balance to buy in some eStores.
  • Don’t send, or receive small amounts of money from other persons, i avoid receiving amounts below $5, and ANYTHING below $1, is an absolutely no-go.
  • Exchange your currencies only with people you trust, seek for references from people you know, don’t trust strangers. I find that having a trusted buyer to sell to is the best way to go, even if you find someone who’s offering a better price.
  • Avoid refunds and disputes, as that will draw attention from PayPal’s staff into your account. I’d rather lose $10 to a scammer, than get my whole account frozen.

 

Uphold is another cloud based financial services platform, similar to PayPal, and with similar fees. The good thing about this platform, is that you can exchange your funds from USD to Crypto, and many other currencies, at the cost of a relatively small fee.

I haven’t used this method too much myself, as i used this mainly for it’s Virtual Credit Card feature, which is temporarily not available.

 

• Pros of using Uphold:

  • You can go from USD to crypto and vice versa easily.
  • You used to be able to create virtual credit cards, a feature that might come back in the future.
  • Doesn’t have PayPal’s limitation issue.
  • Not too hard to use.
  • Fees are nothing too crazy.
  • Even if not too many people use Uphold, you can receive crypto payments in all of the mayor coins here.

• Cons of using Uphold:

  • Crypto transactions take hours to complete.
  • Setting up your account isn’t as easy as some other options.

 

 

AirTM is an e-wallet where you can keep your money, and exchange it to other currency, or buy USD with your local money, all in the same platform.

Out of all the options i'm going to list for payment methods, this is my least favorite, as the fees are incredibly high, and in my opinion, what this website provides isn't worth it.

I haven’t had much experience with AirTM, as the fees are ridiculous, but i’ve used it and i’ll share my experiences.

 

• Pros of using AirTM:

  • You can receive your money, as well as find exchangers to sell it here.
  • Provides you with all of the tools you need to exchange your money, 100% safely.
  • It’s the easiest option in terms of going from receiving payments in USD, to exchanging it into other currencies.

• Cons of using AirTM:

  • Fees are ridiculously high.
  • It’s not as straightforward as other options in terms of setting up your account, and using this platform will take some time to get used to it.
  • Asks for a lot of stuff to verify your identity.
  • Venezuela’s government has previously blocked this website, and claimed to have been “seeking all of the delinquents using this fraudulent website”.
  • AirTM's website is sometimes blocked by the government and requires the use of a VPN to access it.

 

 

Finally, Cryptocurrencies, i’ve only started using this method recently, and i can already say, this is my favorite so far, and the method i’ll mainly use from now onwards, as this has proven to be really easy to set up, and in my opinion, the best option for receiving payments, as you’ll pay minimum fees for your transactions, keep your identity safe, and the exchange rate to Venezuela’s currency is really good.

I’d say there is no downside to receiving your payments here, as even if you were worried by the Crypto’s price dropping, you could easily use a third party website to exchange your Crypto, to USD in any other platform you’d like.

The cryptocurrencies that i’ve used are Bitcoin Cash (BCH), Bitcoin (BTC) and Ethereum (ETH), all of the transactions that i’ve done haven’t taken longer than 30 minutes, with the exception of using SideshiftAI to exchange my BCH into BTC, which took about an hour. Setting up a wallet for these is rather easy, however here’s a quick guide for BTC and BCH. https://bitcoin.org/en/getting-started .

Also, another point in Crypto’s favor, is that some stores have begun accepting cryptos as a payment method, there’s an app in the Google Play Store named “CryptoLugaresVE” With a list of places accepting crypto as a payment method.

 

• Pros of using Cryptocurrencies:

  • Fees are extremely low.
  • Anonymous.
  • Good exchange rates to other currencies.
  • Easy to set up, and straightforward to use.
  • You can potentially gain money, if the price of the crypto that you’re using increases.
  • Can be used as a payment method in a lot of eShops, and some stores in Venezuela.
  • Payments sent to you cannot be refunded

• Cons of using Cryptocurrencies:

  • You can lose money, if the price of the crypto that you’re using drops.
  • Cannot refund your payments.
  • Transactions can sometimes take a long time to complete, although this hasn’t happened to me.
  • Due to the volatility of crypto’s price, it’s not good to keep your savings.

• My recommendations for using Cryptocurrencies:

  • Don’t keep any money that you can’t afford to lose in crypto, so that if the price drops, you won’t be back at square cero.
  • Exchange your cryptos only with trusted buyers, or using safe third party websites, to ensure you don’t get scammed, since you can’t refund money.
  • Change your address after each trade.

 

 

Finally, i’ll talk a little bit about the couple websites that you can use to safely exchange money from USD, to Venezuela’s currency. Other than these, you’d have to find someone of your trust to exchange your currency.

 

Where to safely exchange your earnings to Venezuela’s currency?

 

• Appbb (https://www.appbb.co/) is an eStore that will also buy funds from all kinds of platforms (Payoneer, Uphold, Paypal, Cryptos, etc.), while they might not have the best rates, they are reliable, safe, and a good option.

  The downside of this site, is that hey have a set amount transactions that they’re going to make per day, so you’ll have to wait for the store to open every morning, and grab your ticket.

  I haven’t used this shop in a while, i know that they’ve changed it, and i’m not sure how it works for exchanging your currencies anymore, but you can ask for advice in their facebook page and their support team is always really helpful.

 

• Localbitcoins (https://localbitcoins.com/) is a trading website where you can sell/buy bitcoins from different users safely. This website works only for selling Bitcoin, but you can buy bitcoins with money from any other platform, at a fair rate, and sell the bitcoins that you’ve bought.

 

• Foro-Ptc (https://www.foro-ptc.com/) is a whole website dedicated to making money online, there’s all kinds of useful content here, i recommend you to check it out, but more importantly, there is whole section dedicated to selling and buying USD for local currency.

  You’ll need a 30 days old account, and some posts before you can PM anyone you want, but there are some trusted buyers/sellers whom you’ll be able to send PMs to right away, so you can safely exchange with them.

 

 

That’s it for now, I’ll probably update the guide as i learn more and try out new stuff, as well as with your feedback. I just want to thank u/justgord for giving me the opportunity to share all of this with you guys!

 

---

 

Hola Reddit! Mi nombre es LinkToU, y u/justgord me comisionó para compartir con ustedes mi experiencia trabajando como freelancer en Venezuela.

He visto un montón de posts de gente pidiendo consejos para comenzar, cuáles son las mejores plataformas para recibir dinero, y cosas así, así que esos serán los temas que trataré en esta guía para principiantes.

Como dice el título, esta es una guía para personas que no tienen conocimiento de programación, sólo necesitarán un buen conocimiento de Inglés.

 

Recomiendo leer esta guía a través de google docs, ya que no estoy muy familiarizado con el formatting de reddit, y creo que esta versión es más fácil de leer: https://docs.google.com/document/d/13DNEyyF7F-fXjpA1AplGqQjVh0H_LWd0cCjoKdZzQm4/edit?usp=sharing

 

Versión en inglés: https://docs.google.com/document/d/1DotVUAtEAUXfgTAhDZtmylTzA4nImhoAGZCI-8XdKtM/edit?usp=sharing

 

Bueno, sin más que contar, comencemos.

 

¿Qué tipo de trabajo se puede encontrar?

Hay varios tipos de trabajos que puedes realizar sin tener ningún tipo de conocimiento específico, por ejemplo, “lead generation”, registro de data, transcripciones, escritor de artículos, o incluso asistente virtual. Podría seguir nombrando tipos de trabajo, pero lo mejor será que les diga algunos lugares para encontrar trabajo, y que ustedes decidan qué es lo mejor.

 

¿Dónde puedes encontrar trabajo?

He trabajado principalmente a través de dos sitios web, así que hablaré un poco de mi experience en cada uno de ellos.

 

 

Spare5 (https://app.spare5.com/) es el sitio web de “crowdworking” con el que comencé a trabajar, hace dos años. Básicamente, estarás revisando diferentes imágenes, anotando y delineando diferentes objetos para ayudar a entrenar inteligencia artificial a identificar dichos objetos.

Diría que lo más difícil, es comenzar en esta página, pero no es mucho más difícil que en el 2017, cuando yo comencé, así que aún es posible.

Lo primero que tendrás que hacer, será completar los tutoriales, que te darán acceso a algunos calificadores, que determinarán si estás listo o no para tareas pagas (asegúrate de comprender bien cada una de las tareas, antes de comenzar a hacerlas, ya que si no las haces bien, te las quitarán y te podrían banear permanentemente.)

El mínimo de pago es $1, pagado a través de PayPal, no hace falta tener una cuenta de PayPal verificada, y recibir fondos de esta página NO hará que tu cuenta de PayPal sea bloqueada.

Como dije antes, lo más difícil de esta página es comenzar, al principio las tareas serán escasas, así que asegúrate de hacerlas bien, ya que esa es la única manera de garantizar que te seguirán enviando tareas. Eventualmente, te darán tareas fijas, y tu panel principal se verá algo así https://imgur.com/a/TSUASME . El pago por cada tarea es bajo, pero lo importante es encontrar una cuál sea fácil y memorizar las instrucciones. Yo he hecho hasta $20 en un par de horas, con tareas fáciles que pagaban 0.2c cada una. Sólo hace falta práctica.

Últimamente no he trabajado en esta página, ya que la paga por las tareas ha disminuido, y sólo son más difíciles de hacer cada vez.

 

• Ventajas de Spare5:

  • Tu pago está asegurado en esta página (A menos que te baneen por hacer las tareas mal), e incluso si tu cuenta de PayPal es bloqueada, puedes reembolsar el dinero que te hayan pagado a tu cuenta de Spare5 (Nunca lo he hecho, pero sé que se puede hacer, y el equipo de soporte de Spare5 también te asiste en esto.)
  • La cantidad de tareas que tienes disponibles se basa en tu desempeño en tareas previas del mismo tipo, así que si las haces bien, garantizas tener trabajo siempre que haya alguno disponible.
  • Hay algunas tareas que son fáciles de hacer, y pagan bien, he ganado hasta $50 en una noche solo con tareas que pagaban 0.2c cada una.
  • Tus ganancias en esta página no vienen solamente de las tareas, hay un sistema de referidos que te paga un 20% de los primeros $100 que cada uno de tus referidos gane, y ellos recibirán 10% más de sus primeros $100, sólamente por usar tu código de referido.
  • Una vez tengas suficiente experiencia en esta página, puede que el equipo de Spare5 se comunique contigo personalmente para que pruebes nuevas características que piensan añadir a la página principal, o simplemente para entrevistarte y pedirte tu opinión sobre ciertas cosas. En cualquiera de estos casos, te pagarían por tu tiempo, mucho más de lo que ganarías normalmente haciendo tareas. También existe una posición de moderador de los foros, en la cuál he escuchado que te pagan basado en la cantidad de personas que has ayudado, una vez tienes el rol de moderador.

• Desventajas de Spare5:

  • Ya que hay un número limitado de tareas, habrá tiempos donde no habrá ninguna disponible, incluso si tienes una gran cantidad de experiencia en la página, hay ciertas épocas del año en las que simplemente no hay tareas disponibles (Usualmente, en Enero). Esto es lo que hizo que dejara esta página, y buscara una manera más consistente de generar ingresos.
  • Hay que leer un montón de instrucciones para completar cualquier tarea, y una vez termines de leerlas, puede que tengas que elegir otra diferente, debido a que la tarea que ibas a hacer ya no está disponible.
  • Estás sujeto a la revisión de otros usuarios, lo que significa que aunque completes la tarea perfectamente, si la persona que te revisa comete un error, serás castigado por eso. Incluso si tú revisas la tarea, la manera que ellos utilizan para determinar si una tarea está bien o mal, se basa en la media de los usuarios que la marcaron como correcta o incorrecta, así que si tu estás en la minoría, serás castigado por eso nuevamente.

• Mis recomendaciones para Spare5

  • Tómate tu tiempo y lee cada una de las instrucciones. Si te banean por hacer las tareas mal, serás vetado permanentemente de este sitio web.
  • Si estás inseguro sobre qué hacer en un caso específico, pregúntale a la comunidad.
  • Si luego de leer las instrucciones, y pedirle consejo a la comunidad, sigues inseguro, omite la imagen.
  • No dudes en omitir las imágenes, no tiene ninguna consecuencia negativa, debes ver el botón de “Omitir”, como una herramienta cualquiera.

 

 

Lo siguiente, es Reddit, más específicamente, el subreddit donde encuentro usualmente trabajo de freelance es /r/slavelabour , dónde las personas publican cualquier tipo de trabajo que necesiten sea completado, junto con un método de pago, y una oferta, para encontrar a alguna persona dispuesta a hacerlo.

Esta opción es especialmente buena, ya que puedes encontrar muchos tipos de trabajo, dependiendo de tus cualificaciones. Yo he hecho mayormente trabajos de registro de data, pero hay muchas otras opciones fáciles para comenzar, sólo hay que estar pendiente de cuando puedan ser publicadas nuevas oportunidades.

Otros subreddits similares que frecuento pero no son tan activos como /r/slavelabour son: /r/Jobs4Bitcoins/ , /r/WorkOnline/ , /r/ForHire/ Sigan los mismos consejos que daré para /r/slavelabour , ya que estos funcionan de manera similar.

 

• Ventajas del subreddit /r/slavelabour y otros similares.

  • Diversidad de trabajos dependiendo de tus habilidades.
  • Oportunidad de encontrar posiciones permanentes.
  • Puedes hablar directamente con la persona que está contratando y discutir el método de pago de tu preferencia.
  • Gran cantidad de oportunidades de trabajo.
  • Trabajos simples.

• Desventajas del subreddit /r/slavelabour y otros similares

  • Debes cuidarte de posibles estafadores.
  • Se necesita un mínimo de actividad en tu cuenta de reddit para participar en estos subreddits.
  • Las pagas son bajas, por lo general.
  • Hay una gran demanda para cada oferta de trabajo, así que hay que ser rápido, y saber la mejor manera de venderse a sí mismo como candidato.

 

• Mis recomendaciones para estos subreddits.

  • Si algo se ve demasiado bueno para ser verdad, probablemente lo sea.
  • Pide tu pago por adelantado, y construye una buena reputación en la comunidad.
  • Si piensas trabajar para alguien, revisa su perfil, y si algo se ve fuera de lugar, no arriesges perder tu tiempo y ser estafado.

 

 

Métodos de pago:

Ahora que saben cuáles son algunos buenos lugares para empezar a conseguir trabajo, les hablaré sobre cuáles son las mejores plataformas de pago para recibir dinero, y mantenerlo seguro. Hablaré sólo de los que he usado, como PayPal, Uphold, AirTM, y recientemente, Criptomonedas.

¿Dónde recibir tus pagos?

• PayPal es la manera más fácil de recibir y enviar dinero, con comisiones aceptables, y también es la más fácil de comenzar a usar.

  Igualmente, tu dinero no está 100% seguro en PayPal, ya que tu cuenta podría ser limitada y tu saldo retenido hasta que puedas probar que no estás recibiendo fondos de ninguna actividad ilícita, o invirtiendo en alguna. Esto último es difícil de probar, ya que vender fondos de PayPal en Dólares(USD), a cambio de la moneda Venezolana (Bs), es ilegal.

  Si planeas usar PayPal, recomiendo que verifiques tu cuenta con una tarjeta de crédito bajo tu nombre. Usar una tarjeta de crédito virtual, va contra los TDS de PayPal, yo igualmente usé una (Y no he tenido ningún problema), ya que no hay muchas opciones en Venezuela, debido a que es prácticamente imposible conseguir una tarjeta de crédito

  • Ventajas de usar PayPal
    • Es fácil de comenzar a usar, y enviar/recibir dinero también es fácil. Es el método de pago más usado para trabajos de freelance.
    • Cambiar dinero de tu cuenta de PayPal a la moneda de Venezuela es fácil, ya que los compradores son fáciles de encontrar.
    • Puedes reembolsar tu dinero en caso de que seas estafado al intentar vender tu saldo PayPal.
    • Hay ciertas páginas web, y métodos que garantizan tu seguridad y la de tu cuenta PayPal al realizar ventas de tu saldo PayPal.
    • Puedes retirar tu dinero de PayPal, a una cuenta bancaria en dólares (o dependiendo de la moneda) de algún país extranjero, con comisiones mínimas.
    • Puedes usar tu balance de PayPal para comprar en ciertos sitios web, como Wish, Ebay, u otros.
  • Desventajas de usar PayPal
    • Las comisiones son altas comparadas a otras plataformas de pago.
    • Debes verificar tu cuenta para proteger tu dinero, y algunos compradores sólo adquieren saldo de cuentas verificadas.
    • El servicio al cliente de PayPal no es muy útil, o comprensivo cuando intentas recuperar una cuenta limitada.
    • Puede que algunos estafadores intenten reembolsar el dinero que te enviaron luego de que terminas el trabajo, y tendrás que disputar su reembolso.
    • Existe la posibilidad de que tu cuenta sea límitada (aunque nunca me ha sucedido).
  • Mis recomendaciones para usar PayPal
    • Primero que nada, verifica tu cuenta, esto hará las cosas mucho más fáciles para tí, y podrás usar tu balance de PayPal para comprar en eStores.
    • No envíes ni recibas pequeñas cantidades de dinero de otras personas, yo personalmente evito recibir cantidades menores a $5, y no acepto ninguna cantidad menor a $1.
    • Realiza tus cambios sólo con personas en las que confíes, busca referencias de personas que conozcas, y no confíes en extraños. Tener un comprador fijo es la mejor manera de mantener tu dinero seguro, aunque no siempre ofrecen el mejor precio.
    • Evita los reembolsos y las disputas, ya que eso atraerá atención no deseada a tu cuenta de PayPal. Es mejor perder $10 por un estafador, que todo el saldo de tu cuenta por un bloqueo.

 

 

• Uphold es otra plataforma similar a paypal, con comisiones similares.

  El punto a favor de esta plataforma, es que puedes intercambiar tus fondos de USD, a muchas otras criptomonedas, u otra moneda extranjera, al costo de una comisión relativamente pequeña.

  No he usado mucho este método, lo utilizaba principalmente por la función de crear una tarjeta de crédito virtual, pero esta está temporalmente desactivada.

  • Ventajas de usar Uphold
    • Puedes intercambiar tu saldo de USD a otra moneda, o incluso criptomonedas, fácilmente.
    • En el futuro, es posible que vuelva la función de crear una tarjeta de crédito virtual.
    • No tiene el problema de limitación de PayPal.
    • No es difícil de usar.
    • Las comisiones no son muy altas.
    • Aunque no muchas personas usen Uphold, puedes recibir pagos en criptomonedas aquí.
  • Desventajas de usar Uphold
    • En mi experiencia, las transacciones con criptomonedas tardan horas en ser confirmadas.
    • Configurar tu cuenta para comenzar a utilizar Uphold no es tan fácil como en otras opciones.

 

 

• AirTM es una billetera electrónica donde puedes guardar tu dinero, e intercambiarlo a otras monedas, o incluso comprar monedas extranjeras con tu moneda local, todo en la misma plataforma.

  No he utilizado mucho esta plataforma, debido a que las comisiones son ridículamente altas, pero siempre la he visto como una especie de plan de contingencia, en caso de que necesite dinero, y no haya ninguna otra opción disponible.

  • Ventajas de usar AirTM
    • Puedes recibir dinero, y encontrar compradores en una misma plataforma.
    • Tiene todas las herramientas necesarias para cambiar tu dinero 100% seguro.
    • Es la opción más fácil en términos de pasar de recibir dinero a cambiarlo a otras monedas.
  • Desventajas de usar AirTM:
    • Las comisione son extremadamente altas.
    • No es tan fácil configurar tu cuenta, y tomará algo de tiempo acostumbrarte a usar esta plataforma.
    • Pide un montón de cosas para verificar tu identidad.
    • El gobierno de Venezuela ha bloqueado previamente esta plataforma, y dijo estar “buscando a todos los delincuentes vinculados a esta página criminal”.

 

 

• Finalmente, Criptomonedas, empecé a usar este método de pago recientemente, pero hasta ahora, es mi favorito, y probablemente sea el que utilice de ahora en adelante para recibir mis pagos, ya que es fácil de configurar, y en mi opinión, la mejor forma de recibir pagos, ya que cuenta con las comisiones más bajas por transacción, mantiene tu identidad segura, y el ratio de intercambio de criptomoneda a moneda venezolana es bueno.

  Diría que no hay ninguna desventaja a recibir tus pagos en criptomonedas, ya que incluso si te preocupa que el precio de la criptomoneda baje, puedes usar un sitio web de algún tercero para cambiar tus criptomonedas a cualquier otra plataforma de tu preferencia, a un buen precio.

  Las criptomonedas que he utilizado son Bitcoin Cash (BCH), Bitcoin (BTC) y Ethereum (ETH), todas las transacciones que he realizado no han tardado más de 30 minutos en completarse, con la excepción de cuando usé SideshiftAI para cambiar mi saldo BCH a BTC, y aún en ese caso, tardó cerca de una hora.

  Crear una billetera es fácil, igualmente, aquí hay una guía para comenzar en BTC y BCH. https://bitcoin.org/es/como-empezar

  Otro punto en el favor de las criptomonedas, es que algunas tiendas en Venezuela han comenzado a aceptar estas como método de pago, hay una app en la Google Play Store llamada “CryptoLugaresVE” Con una lista de lugares que aceptan criptomonedas como forma de pago.

  • Ventajas de Usar Criptomonedas:
    • Las comisiones son extremadamente bajas
    • Anónimo.
    • Buen ratio de cambio a otras monedas.
    • Fácil de usar
    • Puedes ganar dinero potencialmente, si la criptomoneda que usas aumenta en precio.
    • Puedes usarla como método de pago en muchas tiendas virtuales, y algunas tiendas de Venezuela.
    • No es posible reembolsar pagos que te hayan enviado.
  • Desventajas de usar Criptomonedas
    • Puedes perder dinero si la criptomoneda que usas pierde valor.
    • No puedes reembolsar tus pagos.
    • Las transacciones pueden tardar un montón de tiempo en completarse.
    • Debido a la volatilidad del precio de las criptomonedas, no es buena opción para guardar tus ahorros.
  • Mis recomendaciones para usar Criptomonedas
    • No guardes dinero que no puedes perder en criptomonedas, así, si el precio baja, no perderás mucho.
    • Intercambia tus criptomonedas sólo con compradores confiables, o utiliza algún sitio web de terceros que asegure tu dinero.
    • Cambia la dirección de tu billetera luego de cada transacción.

 

 

Por último, hablaré sobre un par de sitios web donde pueden intercambiar dinero de dólares, a la moneda local venezolana. Aparte de estos, existen otros sitios webs de confianza, y siempre está la posibilidad de encontrar una persona de confianza para realizar todos sus cambios de USD - Bs.

 

• ¿Dónde puedo cambiar mis ganancias de forma segura a la moneda local de Venezuela?

  • Appbb (https://www.appbb.co/) es una tienda virtual que también compra saldo de diferentes plataformas (Payoneer, Uphold, Paypal, Criptos, etc.), y aunque no tienen las mejores tasas, son una opción confiable, segura y buena.

    Lo malo de esta página es que tienen una cantidad limitada de cupos por día, así que tendrán que esperar a que la tienda abra cada día, y agarrar su cupo rápidamente.

    No he usado esta tienda en algún tiempo, sé que han cambiado un par de cosas y ya no estoy tan seguro de cómo funciona, pero pueden escribir directamente a su página de facebook y su equipo de soporte siempre está atento allí.

  • Localbitcoins (https://localbitcoins.com/) es un sitio web de intercambios donde puedes vender o comprar bitcoins de diferentes usuarios de forma segura. Este sitio web solo funciona para vender Bitcoins, pero es posible comprar bitcoins con dinero de cualquier otra plataforma, con una buena tasa, para luego venderlos.

  • Foro-Ptc (https://www.foro-ptc.com/) es un foro dedicado a generar ganancias online, hay muchos recursos interesantes aquí que les recomiendo lean, pero más importante, hay una sección completa dedicada a la venta y compra de dólares por la moneda local.

    Hace falta una cuenta con 30 días de antigüedad, y algunos posts antes de poder enviar mensajes privados a cualquier persona, pero hay algunos vendedores designados a quienes podrás enviar mensajes sin importar la antigüedad de tu cuenta, con quienes podrás hacer intercambios sin tener que esperar.

 

 

Eso es todo por ahora, probablemente siga actualizando la guía mediante vaya aprendiendo nuevas cosas, o con sus recomendaciones. Sólo quiero agradecerle a u/Justgord por darme la oportunidad para compartir todo esto con ustedes!

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[H] EDU Emails | [W] $4.99 /|/ PAYPAL /|/ BITCOIN

Selling .edu Emails

Price Per Email : $4.99 PAYPAL OR BITCOIN
List of offers : https://www.offers.com/blog/post/college-student-discount-resource-guide/

Canadian Reseller for VaderStreams

High quality service at a great price. 5 concurrent connections at the same time with only 1 subscription. Any combination of MAC and M3u type devices.

Our APK allows users to manage their own MAC addresses as well as categories that you see during play.

Works on almost all devices from IOS, Android, Windows, MACs.

For the sports fanatics out there our MatchCenter section is going to be your home. Nicely organized section in our apk and website where you can easily see all the sporting events in one central location. Within our website MatchCenter allows you to watch up to 4 games at once.

Activation can be done within 15mins of payment being received. No waiting 24 hours for your email to get processed.

Prices are quoted in Canadian dollars.

• $18 monthly
• $51 for 3 months
• $96 for 6 months

Payment Options......

• e Transfer
• Bitcoin (btc)
• PayPal (must use Friends and Family option).

For customers service I normally reply within the hour.

Trials are available but are NO LONGER FREE. Too many people where abusing them. Trials will now be $3 and are good for 1 day. If you go with a sub, the charge will be deducted from the total amount.

Referral program, for every 2 people you refer, your monthly subscription price will be $1 less. No limit to that so if you refer enough your subscription will be free.

Any questions please feel free to msg me.

Last Minute Crypto Help - Bitcoin.tax

I'm almost done with importing all my trades/income/transfers into Bitcoin.tax, however, I'm a little stuck on how to indicate that I bought ETH on Coinbase with $USD and it wasn't just a trade. Right now, it is labeled as a BUY event which I don't think accurately represents that it was $USD to crypto.

The underlying issue is that since this is a BUY event, when I traded it for a different token, it doesn't match a BUY with another BUY. So in the end, it doesn't know what I did with the first BUY from Coinbase.

What do I do in this case?

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

[Daily Discussion] Friday, April 05, 2019

Thread topics include, but are not limited to:

• General discussion related to the day's events
• Technical analysis, trading ideas & strategies
• Quick questions that do not warrant a separate post

Thread guidelines:

• Be excellent to each other.
• Do not make posts outside of the daily thread for the topics mentioned above.

Other ways to interact:

• Get an invite to live chat on our Slack group
• Set your flair to trade pretend money in the Flair Game
• Weekly threads: Newbie Mondays and Fundamentals Fridays

Product Manager B2B

We’re Bitwala and, together with our partner bank, we brought the world’s first crypto bank account; a fully licensed German bank account with a Bitcoin wallet and trading directly integrated. With an amazing product and team of 40+ internationals from 21+ countries, we’re shaking up the financial industry and want you to join us in this journey!

As our B2B Product Manager, you will be responsible for our whole upcoming B2B banking product. You’ll be driving the vision and product strategy together with a team of talented individuals under our Chief Product Officer.

Your role

• You will be responsible for the end-to-end product development cycle of building and maintaining the B2B platform
• Execute the roadmap, prioritization, and coordinate all of the B2B product activities
• Work with a cross-functional team of product managers, engineers and designers to prototype, define, and create innovative solutions that meet the needs of our business customers
• Coordinate and engage with key internal and external stakeholders

Your background

• 3+ years of product management experience with strong focus on B2B in an agile software development environment
• Experience in Fintech, Banking or similar industries
• Experience in building a product from scratch, preferably for business customers
• Experience in project management and working with external stakeholders and project management
• Enjoy working in a highly collaborative and fast-changing start-up environment
• Highly motivated,committed and demonstrate abilities and passion to build and drive products to success
• Excellent English skills, German is a plus

Bonus points

• Passionate about Crypto, Bitcoin and Blockchain
• Data-driven
• An entrepreneur attitude

You’ll get

• Get upfront working experience pioneering the future of Fintech
• Tokens in our upcoming Security Token Offering
• Company with flat hierarchies with focus on development
• Company parties, events and team summer vacations
• An exciting work environment full of challenging projects with a high degree of responsibility from day one
• We innovate, push beyond limits and move forward, always together as a team!

Last chance to get entered in the microscope giveaway. Order any P. cubensis microscopy spore syringes or gourmet/medicinal liquid culture syringes to get entered. Ends tonight at midnight. Drawing tomorrow!!

SporeGeeks!!

I'm really excited! I hope you are too! Only 1 day left to enter!

I know alot of my customers would love to have a brand new microscope, here's your chance!

From now, until April 5th, every syringe purchased will get you a ticket to win a $250 entry level Microscope!

With each syringe purchased you will receive a ticket with a number. I will have a matching ticket for the drawing with your reddit user name

The ticket number will also be sent through a message with your tracking number for your order.

I will announce the winning ticket number April 6th. The ticket will be randomly drawn. In the event the winner does not claim the prize, another ticket will be drawn until a winner is able to claim the prize. I will allow 3 days for the winning ticket holder to claim the prize before another ticket is drawn. If you fail to claim the prize in the 3 day period your ticket will no longer be valid.

The winning ticket must be mailed to me and match the number sent with your tracking number

I will ship the winning ticket holders microscope by priority mail once the winning ticket is verified.

You will be entering to win a Amscope model no. B490. 40x - 1000x compound biological microscope with 360 degree swiveling binocular compensation-free head.

Get entered as many times as you like. I will also sell additional entries for $5 each with any purchase

Please feel free to message me with any questions

We offer high quality mushroom spores suspended in a sterile solution, and high quality live mushroom mycelium liquid cultures. Produced in a sterile lab, our products are guaranteed to be contaminate free. We use only the highest quality syringes and needles. Syringes are capped to prevent contamination. Alcohol wipes and sterile 18ga needle are included.

We offer a product that is just as good if not better than any big name website vendor. I am able to offer these low prices by keeping cost at a minimum using Reddit instead of paying for premium website fees.

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Prices for all syringes! Pick from any P. cubensis strain or gourmet/medicinal liquid culture

1 syringe for $10,

3 syringes for $25

5 for $40

$7.50 each additional syringe

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Psilocybe cubensis microscopy spore syringes.

1. AA+ - Albino A+ is a unique leucistic mutation of the A-Strain.
2. Acaidian Coast - Original genetics from Florida.
3. AJAX - I received the original print from a friend in Jacksonville Florida. He found the light colored cube near Jacksonville and gave out of few prints. I personally liked this strain very much and found it easy to work with.
4. Alacabenzi - Cross between Alabama and Mexican Cabenzi strains. Easy to work with.
5. Amazon - From the Amazon rain forest. A great strain for any collection.
6. B+ - The B stands for Big! A great beginner strain. Origins of this strain are unknown
7. Blue Meanie - This name is most commonly known as a Panaeolus cyanescens, this is a Psilocybe cubensis strain given the same name which often creates confusion.
   
8. Burma - Original genetics from Yangoon, Myanmar (Burma)
9. Cambodian(sold out) - Original genetics found by John Allen in Cambodia
10. Creeper - Unknown Origins
11. Cuba - Original genetics from Cuba
12. Dakak Beach - Original genetics from the Philippines
13. Ecuador - Good beginner strain found at 10,000 ft altitude in the mountains of Ecuador
14. Fiji - Original genetics from the south Pacific island of Fiji
15. Golden Teacher - Great beginner strain, #1 top seller. Unknown Origins
16. Goldie - Original genetics from Australia
17. Gympie - Original genetics from Gympie, Australia
18. KSSS - Koh Samui Super Strain, mutated genetics from the original Koh Samui strain found in Thailand by John Allen
19. Chitwan - Original genetics from Chitwan, Nepal
20. Malabar - Original genetics from India
21. Martinique - Original genetics from the Caribbean island of Martinique
22. Matías Romero - Original genetics from Mexico
23. Mazatapec - Original genetics from Mazatapec, Mexico
24. Mexi-Cube - Original genetics from Mexico
25. PE6(sold out) - Cross between a Texas strain and Penis Envy
26. PESA - Controversial origins. Originally sold as a hybrid strain. The strain does have extraordinary genetics but is highly unlikely to be a true hybrid
27. PF Classic - A unique strain from the creator of the PF Tek, Psilocybe Fanaticus
28. Purple Mystic - Original genetics from Florida
29. Redboy - Unique strain with red spores, Unknown origins
30. Shooting Stars - A unique mushroom originally sold as a hybrid. While it does have very unique genetics it has yet to be proven to be a true hybrid.
    
31. Stopharia - PF's Stropharia strain.
    
32. Rotan - Original genetics from the island of Rotan, Honduras
33. Syzygy - Terence Mckenna strain from the 80s
34. Texas Orange Cap - I did a trade with a friend from Germany in 2012, The prints were labeled Texas Orange Cap. At the time I could not find any information on the strain but I really liked this strain and found it very easy to work with
35. Thai Pink Buffalo - From Koh Samui, this strain was found by John Allen in a field that was occupied by a sacred Pink Buffalo
36. Transkei - Original genetics from South Africa
37. Treasure Coast - Original genetics from Florida, the name treasure comes from the numerous ship wrecks in the area the original mushroom was found
38. Tulum - Is a strain that was worked on in Mexico, although this strain is not a hybrid, it is an attempt at a hybrid between Psilocybe baeocystis, Psilocybe cyanescens, Psilocybe masateca, and Psilocybe cubensis strain Thai Pink Buffalo
39. Wollongong - Originally from the Illawarra escarpment near the city of Wollongong, Australia
40. Z-Strain - Good beginner strain with unknown origins

​

We also offer a Beginner Microscopy kit for $30. Each Kit includes 2 Golden Teacher spore syringes and 2 B+ spore syringes

We also offer a grab bag of 4 mystery syringes for $30. Each 12ml syringe will be labeled with the strain name

​

Very important please read carefully!! Psilocybe cubensis syringes are for Microscopy use only! Please do not contact me about growing or germinating spores or I will not RESPOND or ship you spores. While spores are legal to own in most states, P. cubensis cultivation is illegal in the United States and many other countries. No Shipping to California, Georgia, Or Idaho. No refunds for payments wanting shipped to California, Georgia, or Idaho.

Please do not contact me with any statements or questions concerning germination of spores after you have ordered! I will not respond to these types of questions and will block your user name. I do not grow or have information about growing spores. Spores are for microscopy use only.

I am looking for clean GT and B+ spore prints on foil. I am looking to buy or trade. Also interested in any other P. cubensis strains.

If you are interested in growing mushrooms, We also carry a quality selection of Gourmet and Medicinal mushroom liquid cultures! Liquid culture can be used to expand the mycelium for fruiting. Liquid culture can be used to inoculate an wide variety of applications and is easy to work with. Liquid cultures come in 10ml syringes.

Gourmet and Medicinal mushroom liquid cultures

1. Agaricus campestris
2. Clitocybe nuda
3. Coprinus comatus - Shaggy Mane
4. Cordyceps militaris
5. Cordyceps sorbolifera
6. Flammulina verlutipes -golden enoki
7. Ganoderma lucidium Red -Reishi
8. Ganoderma lucidium Yellow
9. Ganoderma resinaceum
10. Ganoderma sessile
11. Grifola frondosa - Hen of the Woods
12. Hericium erinaceum - Lions Mane,
13. Hypholoma sublateritium - Brick Cap
14. Kuehneromyces mutabilis - Sheathed Woodtuft
15. Laetiporus cincinnatus - White Pored Chicken of the Woods
16. Lentinula edodes - Generic Shiitake
17. Lentinula edodes - Straw Shiitake
18. Lentinula edodes - Shiitake 75
19. Lentinula edodes - Shiitake 3782
20. Lentinula edodes - Chocolate Cap Shiitake
21. Panellus stipticus - Bioluminescence
22. Pestalotiopsis microspora - Endophytic fungus with potential for breaking down Polyurethane
23. Pleurotus citrinopileatus - Golden Oyster
24. Pleurotus cystidiosus
25. Pleurotus djamor (sold out) - Pink Oyster
26. Pleurotus eryngii - King Oyster
27. Pleurotus ostreatus - Pearl Oyster
28. Pleurotus ostreatus var. bratislavia - Blue Oyster
29. Pleurotus ostreatus var. colombinus - Blue Oyster
30. Pleurotus pulmonarius - Phoenix Oyster
31. Trametes versicolor - Turkey Tail

Mushroom liquid cultures can be shipped anywhere in the USA.

We also sell packaged sterile 12ml syringes for $3 each, and packaged sterile 18 gauge hypodermic needles for $1 each.

Free shipping for all orders inside of USA! Tracking number provided! Add $7 for priority 2-3 day shipping. Add $27 for express overnight shipping. Discrete and well packaged!

I am sorry, we no longer ship outside of USA due to customs cracking down on my mail. I am working on a new way to ship internationally

Please private message or invite me to chat to order! Include your strain selection and preferred payment method for fast service.

Paypal, Venmo, Cashapp, Bitcoin, and cash by mail accepted for payment.

Located in Central USA which means fast shipping anywhere in USA, usually no longer than 3 days from shipping date. Orders are processed within 24 hours of payment.

Contact me if you have any questions or would like order!

If you are unsure, please check my reviews and I promise you will not be disappointed! My reviews are genuine and honest

Have a great day and thank you for taking the time to visit

Seek

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