Saturday, November 30, 2019

Toronto Daily - Dec 1st 2019

Welcome to the Toronto Daily Thread.

This thread serves two purposes:

1) To collect and make visible new posts in smaller Toronto based subreddits.

Feel free to visit, comment and be generally helpful in posts indexed below. Please also remember to stay on your best behaviour when travelling outside of /r/toronto.


2) To act as a general off-topic conversation hub for the day.

To that end, use this thread to talk about whatever is on your mind, regardless of whether or not it's related to Toronto.

No matter where you're posting, please remember to be excellent to each other.


/r/AskTO

Post Title Author Comments
What's the best lyft promo code in Toronto or the Greater Toronto Area? /u/Mustang9512 1
Post-secondary with presto? /u/Musterling 0
Any Raptors fans that want to see a game tomorrow ? I have a free ticket /u/NoahLCS 4
Best hair salon for men in Toronto? /u/dwread11 0
Recommendations for Meal Delivery Services? /u/intuitive_curiosity 0
Ski mask the slump god /u/jpegnigga 0
ASK: Mother-in-law forgot her Lithium back home and takes it as mood stabilizer. Where can we get it, Options? /u/dgomesbr 5
How to find an Apartment/Condo in Toronto /u/Tes-Falconett 3
Hotels with a good view? /u/mtgm000 1
What is wrong with Toronto drivers? /u/throwawaytoron555 9
Missing Blundstone @ Portland and Queen. /u/oFLIPSTARo 5
Does anyone actually LIKE living in Toronto? /u/Sheila98sadfji 16
Couple's getaway for a weekend? /u/OlegSerov 2
Are there any deals going on for Bell mobility? I'm getting 8.5GB data on 3G network with unlimited call and text in Canada and free text in the States. But it's network drops when I go north towards Newmarket when I have work. /u/cottoncandyloverr 4
where to get a nice photo album for a newly wedded coupled? /u/Zolgrave 1
Who here has attended an annual Ross Petty production? /u/UnoriginallyGeneric 4
Anyone going to this 80/90s dance party tonight at Remix Lounge? /u/uncalledtolight4 0
Large item disposal (i.e. couch, old tv, etc.) when you live in a condo /u/meowmeowcoolbeans 9
Crazy stories of unsuitable housing in Toronto? /u/sirenboi12 2
401 west bound lanes just west of Bayview Ave. Can anyone explain why this section of highway sound barrier is different? /u/127fascination 7
Ok, who exactly is is buying all the panettones? /u/castlite 58
Gift wrapping services /u/sonimon 2
Christmas Market? /u/boboburger2222 9
Buying Bitcoin with cash? /u/recaptchathis_ 5
Renting advice /u/herd112 13

/r/TorontoEvents

Post Title Author Comments
Tech Networking & Social Mixer 🤓 [Friday, Dec 6th @ 6pm] /u/8BitMiker 1

/r/GTAMarketPlace

Post Title Author Comments
[Selling] New from LCBO sealed 2x Grey Goose Vodka 750ml - $40 each or 2 for $70 /u/LICrew416 3
[Selling] MSI GTX 2080 TI Gaming X Trio - $1600 /u/102lavern 0

I am a bot, and this post was generated automatically. Please contact the moderators of this subreddit if you have any questions or concerns.


[Daily Discussion] Sunday, December 01, 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:


[Altcoin Discussion] Sunday, December 01, 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:


[uncensored-r/BitcoinMarkets] [Altcoin Discussion] Saturday, November 30, 2019

The following post by AutoModerator 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:

np.reddit.com/r/ BitcoinMarkets/comments/e3qeae

The original post's content was as follows:


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:


@AlphaexCapital : Forex Trader: The Ultimate Guide For Beginners In 2019 https://t.co/yxp93x93qw #forex #investing #bitcoin #crypto #xrp #btc #eth #forexsignals

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https://mobile.twitter.com/AlphaexCapital/status/1200925132669308929

@AlphaexCapital : Enter for a chance of getting a free copy of our Forex Trading Strategy Guide for FREE! Click here to enter now: https://t.co/zVCPPs2jor -- Giveaway ends: 30/11/2019. Winner announced 01/12/2019. #giveaway #win #forex #investing #bitcoin #crypto #xrp #btc #eth #forexsignals

https://mobile.twitter.com/AlphaexCapital/status/1200869597626417152

Upon the Fortune of this Present Year | Monthly FIRE Portfolio Update - November 2019

My ventures are not in one bottom trusted, Nor to one place; nor is my whole estate Upon the fortune of this present year Therefore my merchandise makes me not sad

Shakespeare, The Merchant of Venice (1596)

This is my thirty-sixth portfolio update. I complete this update monthly to check my progress against my goals.

Portfolio goals

My objectives are to reach a portfolio of:

  • $1 598 000 by 31 December 2020. This should produce a passive income of about $67 000 (Objective #1) - Achieved
  • $1 980 000 by 31 July 2023, to produce a passive income equivalent to $83 000 (Objective #2)

Both of these are based on an expected average real return of 4.19 per cent, or a nominal return of 7.19 per cent, and are expressed in 2018 dollars.

Portfolio summary

Vanguard Lifestrategy High Growth Fund – $797 618 Vanguard Lifestrategy Growth Fund  – $45 218 Vanguard Lifestrategy Balanced Fund – $81 294  Vanguard Diversified Bonds Fund – $109 367 Vanguard Australian Shares ETF (VAS) – $158 769 Vanguard International Shares ETF (VGS) – $28 471 Betashares Australia 200 ETF (A200) – $268 114 Telstra shares (TLS) – $2 057 Insurance Australia Group shares (IAG) – $9 996 NIB Holdings shares (NHF) – $8 100 Gold ETF (GOLD.ASX)  – $98 376 Secured physical gold – $15 868 Ratesetter (P2P lending) – $16 915 Bitcoin – $128 630  Raiz app (Aggressive portfolio) – $17 535 Spaceship Voyager app (Index portfolio) – $2 377 BrickX (P2P rental real estate) – $4 418

Total portfolio value: $1 793 753 (+$33 713)

Asset allocation

Australian shares – 43.2% (1.8% under) Global shares – 22.9% Emerging markets shares – 2.4% International small companies – 3.2% Total international shares – 28.4% (1.6% under) Total shares – 71.6% (3.4% under) Total property securities – 0.2% (0.2% over) Australian bonds – 4.8% International bonds – 9.8% Total bonds – 14.6% (0.4% under) Gold – 6.4% Bitcoin – 7.2% Gold and alternatives – 13.5% (3.5% over)

Presented visually, below is a high-level view of the current asset allocation of the portfolio.

[Chart]

Comments

This month the value of the portfolio increased again by around $33 000 in total, building on the previous two months of growth.

[Chart]

The equity part of the portfolio has grown by around $50 000 to now reach over $1.25 million for the first time. This increase includes new contributions and the last part of the previous June distributions being 'averaged into' equity markets. The equity component of the portfolio has increased by around 40 per cent this calendar year.

The only other major movement in the monthly value of the portfolio has been a sharp downward movement in the price of Bitcoin, and a small increase in the value of bond holdings.

[Chart]

The contributions this month went entirely into the Vanguard Australian shares ETF (VAS.ASX), to reduce the gap to both the overall target equity allocation, and to achieve the target split between Australian and global shares. From this month onwards I expect more regular variations in whether new contributions go to either Australian or global shares, based on keeping this target allocation constant.

Charting errors and wrong bearings - the nature of long-term returns

Over the last month, as the end destination starts to appear a little clearer in the distance, the issue of the nature of long-term returns has been front of mind.

There is a strong literature and body of academic work around long-term equity return expectations. Much of this has informed my thinking, and has over time found its way into the corners of financial independence movement through the avenues of the so-called Trinity and Bengen '4 per cent' studies (pdf), and a range of calculators that use historical data to help guide investors expectations around feasible future returns.

Yet, as I have noted before, future states of the world are not drawn from the same distribution as the past - or as the British writer G K Chesterton evocatively put it - 'wildness lies in wait'. Most often this issue is glided over neatly (including by myself) with assured sounding phrases such as 'based on history'.

The works of Nassim Taleb, most particularly Fooled by Randomness, and The Black Swan, provide a fuller perspective on these issues. Recently though, reading a 2017 paper Stock Market Charts You Never Saw provided a unique and arresting view of their application to long-term return projections.

The paper is long and detailed, but makes some fundamental points for consideration. It provides a challenging perspective on investment returns that falls almost completely out of mainstream discussions of the topic in the financial independence arena.

To summarise, the paper highlights that:

  • Long-term average equity returns are just mean averages - While they have a stable property over the long-term, this is an inherent statistical property of these values being long-term averages of diverse sets of returns. They are not a reliable forward-looking promise of likely returns. In the words of the paper: 'history documents, but does not constrain'.

  • Time (in the market) does not always heal all wounds - Investors who spend their dividends and avoid market timing - in other words an average FI investor - can reasonably expect to encounter 30 year periods of low real returns, with US investors facing three such periods in the twentieth century alone.

  • Typical charts of long-term equity returns can be misleading - Through behavioural finance findings it is clear that presented with a chart showing a seemingly inevitable rising line of equity returns over a long-time frame, an impression of safety and inevitability can be created. The paper highlights a range of ways in which standard charts on equity returns can obscure important facets of investors actual experiences.

  • No investor actually experiences the longest set of historical returns - While it is comforting to know that equity returns have averaged (for example) six per cent over a century, or two, this information is not as relevant for an investor who is more likely to be invested in a discrete 30-50 year period in which deviations from historical averages can be significant.

  • One-off events should not be dismissed - While the temptation is continuously present to believe that events like the Great Depression could never happen again, careful review of equity returns yields some distinctly similar periods of sustained low or negative real returns.

  • Comparisons of bond and equity returns are often oversimplified - It is not an immutable truth that equities outperform bonds, at least when the US historical record is considered. Rather, a more complicated picture emerges of returns over long periods. Sometimes, equities have outperformed bonds, but at other times, bonds have out-performed equites.

As the paper notes:

"When investment advisors counsel that stocks are the best bet for a long investment horizon, they should append the acknowledgement: “if my market timing is good.” When advisors argue for stocks over bonds, they should append the caveat “as long as you are not French, or Italian, or Japanese, or Swiss, and provided that the 20th century is a better guide to the future than the 19th century.” For real investors with their limited time horizons, who may reside anywhere in the world, there have been times when both stock recommendations were bad."

The issue of the primacy of total returns, compared to income returns is also bracingly challenged with reference to the drawdown phase:

Once portfolio accumulation ceases with retirement, portfolio income must be spent to live. Under those circumstances real price return, over short periods lasting two or three decades, becomes an important metric. By that measure, an investment in stocks has been dicey indeed.

Usefully, the paper sets out (at the end) both conventional charts, and alternative representations of the same returns data, aimed at illustrating the hidden biases and properties of standard charts of market returns.

In short, the paper poses challenges to many conventional investment tenets assumed to be true and widely repeated within financial independence discussions. Often these tenets are promoted with the sound and well-meaning goal of reducing new or existing investors caution or level of worry around possible falls in equity markets.  The question this work implicitly poses is, in the process, are distorted expectations unintentionally being promoted?

Drawing out the lessons - understanding and responding to risks

What are the practical implications of this? The most obvious is to look closely at how data is presented and to think carefully about how the assumptions implicit in that presentation line up against ones own situation.

Some other implications include:

  • Projections based on earning stable and uniform returns should be undertaken with caution - Multi-decade periods of low returns can happen, and mathematical models of compounding smooth returns don't capture their impacts.

  • By taking an equity position an investor is simply undertaking a probabilistic bet, with no guarantees - That is, equity investment over the long-term usually pays offs, but some risk is inescapable.

  • Diversification across markets and time represents a workable response to risk - Investing regularly and across geographic markets can help current investors capture some of the positive 'survivorship' bias that was denied to individual investors in many countries across the twentieth century. 

In other words - to paraphrase Shakespeare's Antonio - not trusting ones ventures to one ship, place, or a fortune upon the present year.

Progress

Progress against the objectives, and the additional measures I have reached is set out below.

Measure Portfolio All Assets Objective #1 – $1 598 000 (or $67 000 pa) 112.2% 153.0% Objective #2 – $1 980 000 (or $83 000 pa) 90.6% 123.5% Credit card purchases - $73 000 pa 103.0% 140.4% Total expenses - $89 000 pa 84.5% 115.1%

Summary

As the year begins to draw to a close, a restlessness to see its final outcomes, in dividends and portfolio growth presses itself forward. It is in fact small echo of one of the strong temptations of the middle of the FI journey - a desire to wish away time itself.

Some potential upcoming changes and uncertainties in work situation have added force to this temptation, forcing some thoughts about different potential balances between work and other elements of daily life could be.

By distance, the intended journey is around ninety per cent over. At times this introduces both an elegiac quality to, and a premature desire to mark, possible 'lasts' along the journey.

Yet the extraordinary current state of financial markets gives pause. Policy makers and advisors casually discuss negative rates and their implications, even as Australian and US equity markets hit new highs. In a sense, it feels a more psychologically testing time to be closer to my higher target allocation for equities than any time before.

The diversification in the portfolio can be thought of as a series of small hedges against different potential futures playing out. By far, the largest probability (or potential future) at 75 per cent, is that the historical dominance of equity as a generator of real returns continues to function. 

The remainder of the portfolio can be seen in some ways as a offsetting hedge against large equity market falls, or some other disturbance in financial markets with negative implications for equity. At base, however, I remain comfortable with the 'balance of probabilities' implied in the target asset allocation.

This month saw a new (v)blogger Mx Lauren join the Australian FI scene, as well as the suggestion by Money Magazine of a new 'simplified' retirement rule of thumb to consider.

A further piece of fascinating reading was this piece by Ben Carlson in Fortune Magazine, explaining the key role of earnings growth in recent US market return. It posits that the recent strong performance of US equities is attributable to fundamental earnings growth, rather than simply an unjustified expansion in the price investors are willing to pay for that growth.

This - in addition to Shakespeare's pre-modern enjoinment to diversify - is potentially another reason to not confine considerations to one market, and one place, as December distributions slowly drift into sight.

The post, links and full charts can be seen here.


Upon the Fortune of this Present Year | Monthly FIRE Portfolio Update - November 2019

My ventures are not in one bottom trusted, Nor to one place; nor is my whole estate Upon the fortune of this present year Therefore my merchandise makes me not sad

Shakespeare, The Merchant of Venice (1596)

This is my thirty-sixth portfolio update. I complete this update monthly to check my progress against my goals.

Portfolio goals

My objectives are to reach a portfolio of:

  • $1 598 000 by 31 December 2020. This should produce a passive income of about $67 000 (Objective #1) - Achieved
  • $1 980 000 by 31 July 2023, to produce a passive income equivalent to $83 000 (Objective #2)

Both of these are based on an expected average real return of 4.19 per cent, or a nominal return of 7.19 per cent, and are expressed in 2018 dollars.

Portfolio summary

Vanguard Lifestrategy High Growth Fund – $797 618 Vanguard Lifestrategy Growth Fund  – $45 218 Vanguard Lifestrategy Balanced Fund – $81 294  Vanguard Diversified Bonds Fund – $109 367 Vanguard Australian Shares ETF (VAS) – $158 769 Vanguard International Shares ETF (VGS) – $28 471 Betashares Australia 200 ETF (A200) – $268 114 Telstra shares (TLS) – $2 057 Insurance Australia Group shares (IAG) – $9 996 NIB Holdings shares (NHF) – $8 100 Gold ETF (GOLD.ASX)  – $98 376 Secured physical gold – $15 868 Ratesetter (P2P lending) – $16 915 Bitcoin – $128 630  Raiz app (Aggressive portfolio) – $17 535 Spaceship Voyager app (Index portfolio) – $2 377 BrickX (P2P rental real estate) – $4 418

Total portfolio value: $1 793 753 (+$33 713)

Asset allocation

Australian shares – 43.2% (1.8% under) Global shares – 22.9% Emerging markets shares – 2.4% International small companies – 3.2% Total international shares – 28.4% (1.6% under) Total shares – 71.6% (3.4% under) Total property securities – 0.2% (0.2% over) Australian bonds – 4.8% International bonds – 9.8% Total bonds – 14.6% (0.4% under) Gold – 6.4% Bitcoin – 7.2% Gold and alternatives – 13.5% (3.5% over)

Presented visually, below is a high-level view of the current asset allocation of the portfolio.

[Chart]

Comments

This month the value of the portfolio increased again by around $33 000 in total, building on the previous two months of growth.

[Chart]

The equity part of the portfolio has grown by around $50 000 to now reach over $1.25 million for the first time. This increase includes new contributions and the last part of the previous June distributions being 'averaged into' equity markets. The equity component of the portfolio has increased by around 40 per cent this calendar year.

The only other major movement in the monthly value of the portfolio has been a sharp downward movement in the price of Bitcoin, and a small increase in the value of bond holdings.

[Chart]

The contributions this month went entirely into the Vanguard Australian shares ETF (VAS.ASX), to reduce the gap to both the overall target equity allocation, and to achieve the target split between Australian and global shares. From this month onwards I expect more regular variations in whether new contributions go to either Australian or global shares, based on keeping this target allocation constant.

Charting errors and wrong bearings - the nature of long-term returns

Over the last month, as the end destination starts to appear a little clearer in the distance, the issue of the nature of long-term returns has been front of mind.

There is a strong literature and body of academic work around long-term equity return expectations. Much of this has informed my thinking, and has over time found its way into the corners of financial independence movement through the avenues of the so-called Trinity and Bengen '4 per cent' studies (pdf), and a range of calculators that use historical data to help guide investors expectations around feasible future returns.

Yet, as I have noted before, future states of the world are not drawn from the same distribution as the past - or as the British writer G K Chesterton evocatively put it - 'wildness lies in wait'. Most often this issue is glided over neatly (including by myself) with assured sounding phrases such as 'based on history'.

The works of Nassim Taleb, most particularly Fooled by Randomness, and The Black Swan, provide a fuller perspective on these issues. Recently though, reading a 2017 paper Stock Market Charts You Never Saw provided a unique and arresting view of their application to long-term return projections.

The paper is long and detailed, but makes some fundamental points for consideration. It provides a challenging perspective on investment returns that falls almost completely out of mainstream discussions of the topic in the financial independence arena.

To summarise, the paper highlights that:

  • Long-term average equity returns are just mean averages - While they have a stable property over the long-term, this is an inherent statistical property of these values being long-term averages of diverse sets of returns. They are not a reliable forward-looking promise of likely returns. In the words of the paper: 'history documents, but does not constrain'.

  • Time (in the market) does not always heal all wounds - Investors who spend their dividends and avoid market timing - in other words an average FI investor - can reasonably expect to encounter 30 year periods of low real returns, with US investors facing three such periods in the twentieth century alone.

  • Typical charts of long-term equity returns can be misleading - Through behavioural finance findings it is clear that presented with a chart showing a seemingly inevitable rising line of equity returns over a long-time frame, an impression of safety and inevitability can be created. The paper highlights a range of ways in which standard charts on equity returns can obscure important facets of investors actual experiences.

  • No investor actually experiences the longest set of historical returns - While it is comforting to know that equity returns have averaged (for example) six per cent over a century, or two, this information is not as relevant for an investor who is more likely to be invested in a discrete 30-50 year period in which deviations from historical averages can be significant.

  • One-off events should not be dismissed - While the temptation is continuously present to believe that events like the Great Depression could never happen again, careful review of equity returns yields some distinctly similar periods of sustained low or negative real returns.

  • Comparisons of bond and equity returns are often oversimplified - It is not an immutable truth that equities outperform bonds, at least when the US historical record is considered. Rather, a more complicated picture emerges of returns over long periods. Sometimes, equities have outperformed bonds, but at other times, bonds have out-performed equites.

As the paper notes:

"When investment advisors counsel that stocks are the best bet for a long investment horizon, they should append the acknowledgement: “if my market timing is good.” When advisors argue for stocks over bonds, they should append the caveat “as long as you are not French, or Italian, or Japanese, or Swiss, and provided that the 20th century is a better guide to the future than the 19th century.” For real investors with their limited time horizons, who may reside anywhere in the world, there have been times when both stock recommendations were bad."

The issue of the primacy of total returns, compared to income returns is also bracingly challenged with reference to the drawdown phase:

Once portfolio accumulation ceases with retirement, portfolio income must be spent to live. Under those circumstances real price return, over short periods lasting two or three decades, becomes an important metric. By that measure, an investment in stocks has been dicey indeed.

Usefully, the paper sets out (at the end) both conventional charts, and alternative representations of the same returns data, aimed at illustrating the hidden biases and properties of standard charts of market returns.

In short, the paper poses challenges to many conventional investment tenets assumed to be true and widely repeated within financial independence discussions. Often these tenets are promoted with the sound and well-meaning goal of reducing new or existing investors caution or level of worry around possible falls in equity markets.  The question this work implicitly poses is, in the process, are distorted expectations unintentionally being promoted?

Drawing out the lessons - understanding and responding to risks

What are the practical implications of this? The most obvious is to look closely at how data is presented and to think carefully about how the assumptions implicit in that presentation line up against ones own situation.

Some other implications include:

  • Projections based on earning stable and uniform returns should be undertaken with caution - Multi-decade periods of low returns can happen, and mathematical models of compounding smooth returns don't capture their impacts.

  • By taking an equity position an investor is simply undertaking a probabilistic bet, with no guarantees - That is, equity investment over the long-term usually pays offs, but some risk is inescapable.

  • Diversification across markets and time represents a workable response to risk - Investing regularly and across geographic markets can help current investors capture some of the positive 'survivorship' bias that was denied to individual investors in many countries across the twentieth century. 

In other words - to paraphrase Shakespeare's Antonio - not trusting ones ventures to one ship, place, or a fortune upon the present year.

Progress

Progress against the objectives, and the additional measures I have reached is set out below.

Measure Portfolio All Assets Objective #1 – $1 598 000 (or $67 000 pa) 112.2% 153.0% Objective #2 – $1 980 000 (or $83 000 pa) 90.6% 123.5% Credit card purchases - $73 000 pa 103.0% 140.4% Total expenses - $89 000 pa 84.5% 115.1%

Summary

As the year begins to draw to a close, a restlessness to see its final outcomes, in dividends and portfolio growth presses itself forward. It is in fact small echo of one of the strong temptations of the middle of the FI journey - a desire to wish away time itself.

Some potential upcoming changes and uncertainties in work situation have added force to this temptation, forcing some thoughts about different potential balances between work and other elements of daily life could be.

By distance, the intended journey is around ninety per cent over. At times this introduces both an elegiac quality to, and a premature desire to mark, possible 'lasts' along the journey.

Yet the extraordinary current state of financial markets gives pause. Policy makers and advisors casually discuss negative rates and their implications, even as Australian and US equity markets hit new highs. In a sense, it feels a more psychologically testing time to be closer to my higher target allocation for equities than any time before.

The diversification in the portfolio can be thought of as a series of small hedges against different potential futures playing out. By far, the largest probability (or potential future) at 75 per cent, is that the historical dominance of equity as a generator of real returns continues to function. 

The remainder of the portfolio can be seen in some ways as a offsetting hedge against large equity market falls, or some other disturbance in financial markets with negative implications for equity. At base, however, I remain comfortable with the 'balance of probabilities' implied in the target asset allocation.

This month saw a new (v)blogger Mx Lauren join the Australian FI scene, as well as the suggestion by Money Magazine of a new 'simplified' retirement rule of thumb to consider.

A further piece of fascinating reading was this piece by Ben Carlson in Fortune Magazine, explaining the key role of earnings growth in recent US market return. It posits that the recent strong performance of US equities is attributable to fundamental earnings growth, rather than simply an unjustified expansion in the price investors are willing to pay for that growth.

This - in addition to Shakespeare's pre-modern enjoinment to diversify - is potentially another reason to not confine considerations to one market, and one place, as December distributions slowly drift into sight.

The post, links and full charts can be seen here.



[H] NBCSN Gold Premier League Pass, Sling TV (Blue, Orange, Latino, RedZone), ESPN+, NBA League Pass, NHL Center Ice, NFL Sunday Ticket, , Fubo (RedZone), DirecTV, NordVPN, Xfinity TVGO and many more + WARRANTY 3m/6m + GIFT accounts when you spend $8 or more [W] CRYPTO ONLY (BTC,ETH,LTC,BCH)

Over 100 transactions on Reddit, 3 years here.

Offering SHARED accounts, all come with 3 MONTHS or 6 MONTHS warranty.

Warranty means - during that period you get free replacement if account stops working.

No editing profile, changing password allowed.

Accepting CRYPTO ONLY (Bitcoin, Bitcoin Cash, Litecoin, Ethereum) - NO PAYPAL - if you don't have crypto, don't PM me

BLACK FRIDAY WEEKEND EVENT: message me with "it's Black Friday" to get 30% discount for your purchase

Currently running a promo: buyer gets free NordVPN account (1 year or more left on account / 1 replacement warranty) or free Hulu No Ads (3 months warranty) or free Sling Blue (3 months warranty) or free CBS ALL ACCESS No Ads (3 months warranty) - when buying items worth $8 or more.

Adding 6 months warranty, cause many asked me to include it.

First price is for 3 months warranty, second for 6 months warranty.

NBA League Pass via Sling - $16 / $28

NBA League Pass via NBA.COM sub / app - $16 / $28

NHL Center Ice (via DirecTV) - $16 / $28

NFL Sunday Ticket - $14 / $24

DirecTV Select - $7 / $11

DirecTV Xtra - $9 / $15

DirecTV Choice - $8 / $13

DirecTV Premier - $12 / $20

DirecTV Ultimate - $11 / $19

ESPN + - $6 / $10 (PPV IS NOT INCLUDED)

MLB. TV - $10 / $18

NBCSN Gold with Premier League Pass - $8 / $13

Sling TV Blue OR Orange - $5 / $8

Sling Blue + Sports Extra + RedZone - $11 / $19

Sling Orange + Sports Extra (NBA TV, NHL Network, ESPN 1-3, Tennis Channel, MLB Network, ESPN U) - $8 / $13

Sling Blue + Orange - $8 / $13

Sling Blue + Sling Orange + Sports Extra with RedZone - $14 / $24

Fubo Basic (NFL Network, NBA TV, BEIN Sports, Champions League, Europa League) - $8 / $13

Fubo + Sport Plus with RedZone - $12 / $20

Hulu with No Ads - $3 / $5

Hulu with LIVE TV - $5 / $8

Hulu with HBO - $6 / $10

XFINITY TVGO - $8 / $13

CBS ALL ACCESS (Limited commercials) - $3 / $5

CBS ALL ACCESS (No ads) - $5 / $8

WWE Network - $3 / $5

NordVPN - $5 / $8

HBO NOW - $5 / $8

Crunchyroll - $3 / $5

TIDAL HIFI - $7 / $12

Pandora - $5 / $8

Scribd - $5 / $8

Grammarly - $8 / $13

PM me if you wanna buy and have crypto.


[H] NBCSN Gold Premier League Pass, Sling TV (Blue, Orange, Latino, RedZone), ESPN+, NBA League Pass, NHL Center Ice, NFL Sunday Ticket, , Fubo (RedZone), DirecTV, NordVPN, Xfinity TVGO and many more + WARRANTY 3m/6m + GIFT accounts when you spend $8 or more [W] CRYPTO ONLY (BTC,ETH,LTC,BCH)

Over 100 transactions on Reddit, 3 years here.

Offering SHARED accounts, all come with 3 MONTHS or 6 MONTHS warranty.

Warranty means - during that period you get free replacement if account stops working.

No editing profile, changing password allowed.

Accepting CRYPTO ONLY (Bitcoin, Bitcoin Cash, Litecoin, Ethereum) - NO PAYPAL - if you don't have crypto, don't PM me

BLACK FRIDAY WEEKEND EVENT: message me with "it's Black Friday" to get 30% discount for your purchase

Currently running a promo: buyer gets free NordVPN account (1 year or more left on account / 1 replacement warranty) or free Hulu No Ads (3 months warranty) or free Sling Blue (3 months warranty) or free CBS ALL ACCESS No Ads (3 months warranty) - when buying items worth $8 or more.

Adding 6 months warranty, cause many asked me to include it.

First price is for 3 months warranty, second for 6 months warranty.

NBA League Pass via Sling - $16 / $28

NBA League Pass via NBA.COM sub / app - $16 / $28

NHL Center Ice (via DirecTV) - $16 / $28

NFL Sunday Ticket - $14 / $24

DirecTV Select - $7 / $11

DirecTV Xtra - $9 / $15

DirecTV Choice - $8 / $13

DirecTV Premier - $12 / $20

DirecTV Ultimate - $11 / $19

ESPN + - $6 / $10 (PPV IS NOT INCLUDED)

MLB. TV - $10 / $18

NBCSN Gold with Premier League Pass - $8 / $13

Sling TV Blue OR Orange - $5 / $8

Sling Blue + Sports Extra + RedZone - $11 / $19

Sling Orange + Sports Extra (NBA TV, NHL Network, ESPN 1-3, Tennis Channel, MLB Network, ESPN U) - $8 / $13

Sling Blue + Orange - $8 / $13

Sling Blue + Sling Orange + Sports Extra with RedZone - $14 / $24

Fubo Basic (NFL Network, NBA TV, BEIN Sports, Champions League, Europa League) - $8 / $13

Fubo + Sport Plus with RedZone - $12 / $20

Hulu with No Ads - $3 / $5

Hulu with LIVE TV - $5 / $8

Hulu with HBO - $6 / $10

XFINITY TVGO - $8 / $13

CBS ALL ACCESS (Limited commercials) - $3 / $5

CBS ALL ACCESS (No ads) - $5 / $8

WWE Network - $3 / $5

NordVPN - $5 / $8

HBO NOW - $5 / $8

Crunchyroll - $3 / $5

TIDAL HIFI - $7 / $12

Pandora - $5 / $8

Scribd - $5 / $8

Grammarly - $8 / $13

PM me if you wanna buy and have crypto.


[H] NBCSN Gold Premier League Pass, Sling TV (Blue, Orange, Latino, RedZone), ESPN+, NBA League Pass, NHL Center Ice, NFL Sunday Ticket, , Fubo (RedZone), DirecTV, NordVPN, Xfinity TVGO and many more + WARRANTY 3m/6m + GIFT accounts when you spend $8 or more [W] CRYPTO ONLY (BTC,ETH,LTC,BCH)

Over 100 transactions on Reddit, 3 years here.

Offering SHARED accounts, all come with 3 MONTHS or 6 MONTHS warranty.

Warranty means - during that period you get free replacement if account stops working.No editing profile, changing password allowed.

Accepting CRYPTO ONLY (Bitcoin, Bitcoin Cash, Litecoin, Ethereum) - NO PAYPAL - if you don't have crypto, don't PM me

BLACK FRIDAY WEEKEND EVENT: message me with "it's Black Friday" to get 30% discount for your purchase

Currently running a promo: buyer gets free NordVPN account (1 year or more left on account / 1 replacement warranty) or free Hulu No Ads (3 months warranty) or free Sling Blue (3 months warranty) or free CBS ALL ACCESS No Ads (3 months warranty) - when buying items worth $8 or more.

Adding 6 months warranty, cause many asked me to include it.

First price is for 3 months warranty, second for 6 months warranty.

NBA League Pass via Sling - $16 / $28

NBA League Pass via NBA.COM sub / app - $16 / $28

NHL Center Ice (via DirecTV) - $16 / $28

NFL Sunday Ticket - $14 / $24

DirecTV Select - $7 / $11

DirecTV Xtra - $9 / $15

DirecTV Choice - $8 / $13

DirecTV Premier - $12 / $20

DirecTV Ultimate - $11 / $19

ESPN + - $6 / $10 (PPV IS NOT INCLUDED)

MLB. TV - $10 / $18

NBCSN Gold with Premier League Pass - $8 / $13

Sling TV Blue OR Orange - $5 / $8

Sling Blue + Sports Extra + RedZone - $11 / $19

Sling Orange + Sports Extra (NBA TV, NHL Network, ESPN 1-3, Tennis Channel, MLB Network, ESPN U) - $8 / $13

Sling Blue + Orange - $8 / $13

Sling Blue + Sling Orange + Sports Extra with RedZone - $14 / $24

Fubo Basic (NFL Network, NBA TV, BEIN Sports, Champions League, Europa League) - $8 / $13

Fubo + Sport Plus with RedZone - $12 / $20

Hulu with No Ads - $3 / $5

Hulu with LIVE TV - $5 / $8

Hulu with HBO - $6 / $10

XFINITY TVGO - $8 / $13

CBS ALL ACCESS (Limited commercials) - $3 / $5

CBS ALL ACCESS (No ads) - $5 / $8

WWE Network - $3 / $5

NordVPN - $5 / $8

HBO NOW - $5 / $8

Crunchyroll - $3 / $5

TIDAL HIFI - $7 / $12

Pandora - $5 / $8

Scribd - $5 / $8

Grammarly - $8 / $13

PM me if you wanna buy and have crypto.


Looking for New Provider

Hi everyone, I'm looking for a new provider with a focus on EPL games (NBCSN) and NFL games on Sundays, and PPV events. Must have a m3u option and takes Bitcoin.


[H] NBCSN Gold Premier League Pass, Sling TV (Blue, Orange, Latino, RedZone), ESPN+, NBA League Pass, NHL Center Ice, NFL Sunday Ticket, , Fubo (RedZone), DirecTV, NordVPN, Xfinity TVGO and many more + WARRANTY 3m/6m + GIFT accounts when you spend $8 or more [W] CRYPTO ONLY (BTC,ETH,LTC,BCH)

Over 100 transactions on Reddit, 3 years here.

Offering SHARED accounts, all come with 3 MONTHS or 6 MONTHS warranty.

Warranty means - during that period you get free replacement if account stops working.

No editing profile, changing password allowed.

Accepting CRYPTO ONLY (Bitcoin, Bitcoin Cash, Litecoin, Ethereum) - NO PAYPAL - if you don't have crypto, don't PM me

BLACK FRIDAY WEEKEND EVENT: message me with "it's Black Friday" to get 30% discount for your purchase

Currently running a promo: buyer gets free NordVPN account (1 year or more left on account / 1 replacement warranty) or free Hulu No Ads (3 months warranty) or free Sling Blue (3 months warranty) or free CBS ALL ACCESS No Ads (3 months warranty) - when buying items worth $8 or more.

Adding 6 months warranty, cause many asked me to include it.

First price is for 3 months warranty, second for 6 months warranty.

NBA League Pass via Sling - $16 / $28

NBA League Pass via NBA.COM sub / app - $16 / $28

NHL Center Ice (via DirecTV) - $16 / $28

NFL Sunday Ticket - $14 / $24

DirecTV Select - $7 / $11

DirecTV Xtra - $9 / $15

DirecTV Choice - $8 / $13

DirecTV Premier - $12 / $20

DirecTV Ultimate - $11 / $19

ESPN + - $6 / $10 (PPV IS NOT INCLUDED)

MLB. TV - $10 / $18

NBCSN Gold with Premier League Pass - $8 / $13

Sling TV Blue OR Orange - $5 / $8

Sling Blue + Sports Extra + RedZone - $11 / $19

Sling Orange + Sports Extra (NBA TV, NHL Network, ESPN 1-3, Tennis Channel, MLB Network, ESPN U) - $8 / $13

Sling Blue + Orange - $8 / $13

Sling Blue + Sling Orange + Sports Extra with RedZone - $14 / $24

Fubo Basic (NFL Network, NBA TV, BEIN Sports, Champions League, Europa League) - $8 / $13

Fubo + Sport Plus with RedZone - $12 / $20

Hulu with No Ads - $3 / $5

Hulu with LIVE TV - $5 / $8

Hulu with HBO - $6 / $10

XFINITY TVGO - $8 / $13

CBS ALL ACCESS (Limited commercials) - $3 / $5

CBS ALL ACCESS (No ads) - $5 / $8

WWE Network - $3 / $5

NordVPN - $5 / $8

HBO NOW - $5 / $8

Crunchyroll - $3 / $5

TIDAL HIFI - $7 / $12

Pandora - $5 / $8

Scribd - $5 / $8

Grammarly - $8 / $13

PM me if you wanna buy and have crypto.


[H] NBCSN Gold Premier League Pass, Sling TV (Blue, Orange, Latino, RedZone), ESPN+, NBA League Pass, NHL Center Ice, NFL Sunday Ticket, , Fubo (RedZone), DirecTV, NordVPN, Xfinity TVGO and many more + WARRANTY 3m/6m + GIFT accounts when you spend $8 or more [W] CRYPTO ONLY (BTC,ETH,LTC,BCH)

Over 100 transactions on Reddit, 3 years here.

Offering SHARED accounts, all come with 3 MONTHS or 6 MONTHS warranty.

Warranty means - during that period you get free replacement if account stops working.No editing profile, changing password allowed.

Accepting CRYPTO ONLY (Bitcoin, Bitcoin Cash, Litecoin, Ethereum) - NO PAYPAL - if you don't have crypto, don't PM me

BLACK FRIDAY WEEKEND EVENT: message me with "it's Black Friday" to get 30% discount for your purchase

Currently running a promo: buyer gets free NordVPN account (1 year or more left on account / 1 replacement warranty) or free Hulu No Ads (3 months warranty) or free Sling Blue (3 months warranty) or free CBS ALL ACCESS No Ads (3 months warranty) - when buying items worth $8 or more.

Adding 6 months warranty, cause many asked me to include it.

First price is for 3 months warranty, second for 6 months warranty.

NBA League Pass via Sling - $16 / $28

NBA League Pass via NBA.COM sub / app - $16 / $28

NHL Center Ice (via DirecTV) - $16 / $28

NFL Sunday Ticket - $14 / $24

DirecTV Select - $7 / $11

DirecTV Xtra - $9 / $15

DirecTV Choice - $8 / $13

DirecTV Premier - $12 / $20

DirecTV Ultimate - $11 / $19

ESPN + - $6 / $10 (PPV IS NOT INCLUDED)

MLB. TV - $10 / $18

NBCSN Gold with Premier League Pass - $8 / $13

Sling TV Blue OR Orange - $5 / $8

Sling Blue + Sports Extra + RedZone - $11 / $19

Sling Orange + Sports Extra (NBA TV, NHL Network, ESPN 1-3, Tennis Channel, MLB Network, ESPN U) - $8 / $13

Sling Blue + Orange - $8 / $13

Sling Blue + Sling Orange + Sports Extra with RedZone - $14 / $24

Fubo Basic (NFL Network, NBA TV, BEIN Sports, Champions League, Europa League) - $8 / $13

Fubo + Sport Plus with RedZone - $12 / $20

Hulu with No Ads - $3 / $5

Hulu with LIVE TV - $5 / $8

Hulu with HBO - $6 / $10

XFINITY TVGO - $8 / $13

CBS ALL ACCESS (Limited commercials) - $3 / $5

CBS ALL ACCESS (No ads) - $5 / $8

WWE Network - $3 / $5

NordVPN - $5 / $8

HBO NOW - $5 / $8

Crunchyroll - $3 / $5

TIDAL HIFI - $7 / $12

Pandora - $5 / $8

Scribd - $5 / $8

Grammarly - $8 / $13

PM me if you wanna buy and have crypto.


[uncensored-r/BitcoinMarkets] [Altcoin Discussion] Saturday, November 16, 2019

The following post by AutoModerator 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:

np.reddit.com/r/ BitcoinMarkets/comments/dx1z0c

The original post's content was as follows:


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:


/r/Monero Weekly Discussion – November 30, 2019 - Use this thread for general chatter, basic questions, and if you're new to Monero

Index

  1. General questions
  2. Wallet: CLI & GUI
  3. Wallet: Ledger
  4. Nodes

1. General questions

Where can I download the Monero wallet?

There are multiple Monero wallets for a wide range of devices at your disposal. Check the table below for details and download links. Attention: for extra security make sure to calculate and compare the checksum of your downloaded files when possible.

Please note the following usage of the labels:

⚠️ - Relatively new and/or beta. Use wallet with caution.

☢️ - Closed source.


Desktop wallets

Wallet Device Description Download link
"Official" GUI / CLI Windows, macOS, Linux Default implementation maintained by the core team. Use this wallet to run a full node and obtain maximum privacy. Integrates with hardware wallets. Current version: 0.14.1.0 / 0.14.0.2. GetMonero.org
MyMonero Windows, macOS, Linux Lightweight wallet -- you don't need to download the blockchain and run a node. MyMonero was developed with the assistance of the core team. It also has web-based and iOS versions. MyMonero.com
Exodus Windows, macOS, Linux ⚠️ / Multi-asset wallet. Exodus.io
ZelCore Windows, macOS, Linux ⚠️ / Multi-asset wallet. It also has Android and iOS versions. Zeltrez.io
Guarda Windows, macOS, Linux ⚠️ ☢️ / Multi-asset wallet. Guarda.co

Mobile wallets

Wallet Device Description Download link
Monerujo Android Integrates with Ledger (hardware wallet). Website: https://www.monerujo.io/. Google Play / F-Droid / GitHub
MyMonero iOS Website: https://mymonero.com/ App Store
Cake Wallet iOS Website: https://cakewallet.io/ App Store
X Wallet iOS Website: https://xwallet.tech/ App Store
Edge Wallet Android / iOS Multi-asset wallet. Website: https://edge.app/ Google Play / App Store
ZelCore Android / iOS ⚠️ / Multi-asset wallet. Website: https://zelcore.io/ Google Play / App Store
Coinomi Android / iOS ⚠️ ☢️ / Multi-asset wallet. Website: https://www.coinomi.com/ Google Play / App Store
Moxi / Guarda Android / iOS ⚠️ ☢️ / Multi-asset wallet. Website: https://guarda.co/ Google Play / App Store
Exa Wallet Android / iOS ⚠️ Website: https://exan.tech/ Google Play / App Store
Wookey Wallet Android / iOS ⚠️ Website: https://wallet.wookey.io/ Google Play / F-Droid / App Store

Web-based wallets

Wallet Description Link
MyMonero Web version of the MyMonero wallet. Web
XMRWallet Web wallet with TOR support. Web / Onion URL
Guarda Multi-asset wallet. Web

How long does it take for my balance to unlock?

Your balance is unlocked after 10 confirmations (which means 10 mined blocks). A block is mined approximately every two minutes on the Monero network, so that would be around 20 minutes.

How can I prove that I sent a payment?

The fastest and most direct way is by using the ExploreMonero blockchain explorer. You will need to recover the transaction key from your wallet (complete guide for GUI / CLI).

How do I buy Monero (XMR) with Bitcoin (BTC)?

There are dozens of exchanges that trade Monero against Bitcoin and other cryptocurrencies. Check out the list on CoinMarketCap and choose the option that suits you best.

How do I buy Monero (XMR) with fiat?

  • Kraken (USD and EUR): old-school, decent exchange. They might require your documents for verification and approval of your account.
  • LocalMonero: peer-to-peer exchange. They have pretty much everything as a payment method and they support hundreds of fiat options.

How can I quickly exchange my Monero (XMR) for Bitcoin (BTC)?

There are multiple ways to exchange your Monero for Bitcoin, but first of all, I'd like to remind you that if you really want to do your part for Monero, one of the simplest ways is to get in touch with your merchant/service provider and request for it to accept Monero directly as payment. Ask the service provider to visit the official website and our communication channels if he or she needs help with system integration.

That being said, the community has been recommending two services in particular, XMR.TO and MorphToken. These services are only recommendations and are operated by entities outside the control of the Monero Project. Be diligent.

How do I mine Monero? And other mining questions.

The correct place to ask questions and discuss the Monero mining scene is in the dedicated subreddit r/MoneroMining. That being said, you can find a list of pools and available mining software in the GetMonero.org website.


2. Wallet: CLI & GUI

Why I can't see my balance? Where is my XMR?

Before any action there are two things to check:

  1. Are you using the latest available version of the wallet? A new version is released roughly every 6 months, so make sure you're using the current release (compare the release on GetMonero.org with your wallet's version on Settings, under Debug info).
  2. Is your wallet fully synchronized? If it isn't, wait the sync to complete.

Because Monero is different from Bitcoin, wallet synchronization is not instant. The software needs to synchronize the blockchain and use your private keys to identify your transactions. Check in the lower left corner (GUI) if the wallet is synchronized.

You can't send transactions and your balance might be wrong or unavailable if the wallet is not synced with the network. So please wait.

If this is not a sufficient answer for your case and you're looking for more information, please see this answer on StackExchange.

How do I upgrade my wallet to the newest version?

This question is beautifully answered on StackExchange.

Why does it take so long to sync the wallet [for the first time]?

You have decided to use Monero's wallet and run a local node. Congratulations! You have chosen the safest and most secure option for your privacy, but unfortunately this has an initial cost. The first reason for the slowness is that you will need to download the entire blockchain, which is considerably heavy (+70 GB) and constantly growing. There are technologies being implemented in Monero to slow this growth, however it is inevitable to make this initial download to run a full node. Consider syncing to a device that has an SSD instead of an HDD, as this greatly impacts the speed of synchronization.

Now that the blockchain is on your computer, the next time you run the wallet you only need to download new blocks, which should take seconds or minutes (depending on how often you use the wallet).

I don't want to download the blockchain, how can I skip that?

The way to skip downloading the blockchain is connecting your wallet to a public remote node. You can follow this guide on how to set it up. You can find a list of public remote nodes on MoneroWorld.

Be advised that when using a public remote node you lose some of your privacy. A public remote node is able to identify your IP and opens up a range for certain attacks that further diminish your privacy. A remote node can't see your balance and it can't spend your XMR.

How do I restore my wallet from the mnemonic seed or from the keys?

To restore your wallet with the 25 word mnemonic seed, please see this guide.

To restore your wallet with your keys, please see this guide.


3. Wallet: Ledger

How do I generate a Ledger Monero Wallet with the GUI or CLI?

This question is beautifully answered on StackExchange. Check this page for the GUI instructions, and this page for the CLI instructions.


4. Nodes

How can my local node become a public remote node?

If you want to support other Monero users by making your node public, you can follow the instructions on MoneroWorld, under the section "How To Include Your Node On Moneroworld".

How can I connect my node via Tor?

This question is beautifully answered on StackExchange.



[uncensored-r/BitcoinMarkets] [Altcoin Discussion] Thursday, November 28, 2019

The following post by AutoModerator 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:

np.reddit.com/r/ BitcoinMarkets/comments/e2sgc3

The original post's content was as follows:


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:


[uncensored-r/BitcoinMarkets] [Daily Discussion] Thursday, November 28, 2019

The following post by AutoModerator 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:

np.reddit.com/r/ BitcoinMarkets/comments/e2sg9l

The original post's content was as follows:


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:


Download offline ethereum

Download Offline Ethereum has an inbuilt digital currency Ethereum’s token is called Ether, abbreviated to ETH. This is a cryptographic money that can be exchanged for different digital forms of money or other sovereign monetary forms, much the same as BTC. Its present worth is around US$13 per ETH token (Oct 2016). Token proprietorship is followed on the Ethereum blockchain, much the same as BTC possession is followed on Bitcoin’s blockchain, however at a specialized level they track them in somewhat various manners. For additional on cryptographic forms of money and tokens see a delicate prologue to computerized tokens. How is

Download Offline Ethereum distinctive to Bitcoin? This is the place it gets increasingly specialized and from various perspectives progressively unpredictable. Ethereum’s square time is shorter In

Download Offline Ethereum the time between squares is around 14 seconds, contrasted and Bitcoin’s ~10 minutes. This implies overall in the event that you made a Bitcoin exchange and an Ethereum exchange, the Download Offline Ethereum exchange would be recorded into Ethereum’s blockchain quicker than the Bitcoin.


[uncensored-r/BitcoinMarkets] [Daily Discussion] Friday, November 29, 2019

The following post by AutoModerator 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:

np.reddit.com/r/ BitcoinMarkets/comments/e39fag

The original post's content was as follows:


Thread topics include, but are not limited to:

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Thread guidelines:

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  • Do not make posts outside of the daily thread for the topics mentioned above.

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@AlphaexCapital : Forex Trader: The Ultimate Guide For Beginners In 2019 https://t.co/yxp93xqEi4 #forex #investing #bitcoin #crypto #xrp #btc #eth #forexsignals

https://mobile.twitter.com/AlphaexCapital/status/1200683540603498496

@AlphaexCapital : Do you want to get a copy of our Forex Trading Strategy Guide for FREE? Enter our giveaway for a FREE. You can learn more about it here: https://t.co/SLBvIbNPeH #giveaway #win #forex #investing #bitcoin #crypto #xrp #btc #eth #forexsignals

https://mobile.twitter.com/AlphaexCapital/status/1200688405094514688

[uncensored-r/BitcoinMarkets] [Daily Discussion] Saturday, November 30, 2019

The following post by AutoModerator 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:

np.reddit.com/r/ BitcoinMarkets/comments/e3qe78

The original post's content was as follows:


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: