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Timeline of Trump's Russia Connections from KGB Cultivation to United State President

The Russia Mafia is part and parcel of Russian intelligence. Russia is a mafia state. That is not a metaphor. Putin is head of the Mafia. So the fact that they have deep ties to Donald Trump is deeply disturbing. Trump conducted FIVE completely private meetings and conferences with Putin, and has gone to great lengths to prevent literally anyone, even people in his administration, from learning what was discussed.
According to an ex-KGB spy...Russia has been cultivating Trump as an asset for 40 years.
Trump was first compromised by the Russians in the 80s. In 1984, the Russian Mafia began to use Trump real estate to launder money.
In 1984, David Bogatin — a convicted Russian mobster and close ally of Semion Mogilevich, a major Russian mob boss — met with Trump in Trump Tower right after it opened. Bogatin bought five condos from Trump at that meeting. Those condos were later seized by the government, which claimed they were used to launder money for the Russian mob.
“During the ’80s and ’90s, we in the U.S. government repeatedly saw a pattern by which criminals would use condos and high-rises to launder money,” says Jonathan Winer, a deputy assistant secretary of state for international law enforcement in the Clinton administration. “It didn’t matter that you paid too much, because the real estate values would rise, and it was a way of turning dirty money into clean money. It was done very systematically, and it explained why there are so many high-rises where the units were sold but no one is living in them.”
When Trump Tower was built, as David Cay Johnston reports in The Making of Donald Trump, it was only the second high-rise in New York that accepted anonymous buyers.
In 1987, the Soviet ambassador to the United Nations, Yuri Dubinin, arranged for Trump and his then-wife, Ivana, to enjoy an all-expense-paid trip to Moscow to consider business prospects.
A short while later he made his first call for the dismantling of the NATO alliance. Which would benefit Russia.
At the beginning of 1990 Donald Trump owed a combined $4 billion to more than 70 banks, with $800 million personally guaranteed by his own assets, according to Alan Pomerantz, a lawyer whose team led negotiations between Trump and 72 banks to restructure Trump’s loans. Pomerantz was hired by Citibank.
Interview with Pomerantz
Trump agreed to pay the bond lenders 14% interest, roughly 50% more than he had projected, to raise $675 million. It was the biggest gamble of his career. Trump could not keep pace with his debts. Six months later, the Taj defaulted on interest payments to bondholders as his finances went into a tailspin.
In July 1991, Trump’s Taj Mahal filed for bankruptcy.
So he bankrupted a casino? What about Ru...
The Trump Taj Mahal casino broke anti-money laundering rules 106 times in its first year and a half of operation in the early 1990s, according to the IRS in a 1998 settlement agreement.
The casino repeatedly failed to properly report gamblers who cashed out $10,000 or more in a single day, the government said."The violations date back to a time when the Taj Mahal was the preferred gambling spot for Russian mobsters living in Brooklyn, according to federal investigators who tracked organized crime in New York City. They also occurred at a time when the Taj Mahal casino was short on cash and on the verge of bankruptcy."
....ssia
So by the mid 1990s Trump was then at a low point of his career. He defaulted on his debts to a number of large Wall Street banks and was overleveraged. Two of his businesses had declared bankruptcy, the Trump Taj Mahal Casino in Atlantic City and the Plaza Hotel in New York, and the money pit that was the Trump Shuttle went out of business in 1992. Trump companies would ultimately declare Chapter 11 bankruptcy two more times.
Trump was $4 billion in debt after his Atlantic City casinos went bankrupt. No U.S. bank would touch him. Then foreign money began flowing in through Deutsche Bank.
The extremely controversial Deutsche Bank. The Nazi financing, Auschwitz building, law violating, customer misleading, international currency markets manipulating, interest rate rigging, Iran & others sanctions violating, Russian money laundering, salvation of Donald J. Trump.
The agreeing to a $7.2 billion settlement with with the U.S. Department of Justice over its sale and pooling of toxic mortgage securities and causing the 2008 financial crisis bank.
The appears to have facilitated more than half of the $2 trillion of suspicious transactions that were flagged to the U.S. government over nearly two decades bank.
The embroiled in a $20b money-laundering operation, dubbed the Global Laundromat. The launders money for Russian criminals with links to the Kremlin, the old KGB and its main successor, the FSB bank.
That bank.
Three minute video detailing Trump's debts and relationship with Deutsche Bank
In 1998, Russia defaulted on $40 billion in debt, causing the ruble to plummet and Russian banks to close. The ensuing financial panic sent the country’s oligarchs and mobsters scrambling to find a safe place to put their money. That October, just two months after the Russian economy went into a tailspin, Trump broke ground on his biggest project yet.
Directly across the street from the United Nations building.
Russian Linked-Deutsche Bank arranged to lend hundreds of millions of dollars to finance Trump’s construction of a skyscraper next to the United Nations.
Construction got underway in 1999.
Units on the tower’s priciest floors were quickly snatched up by individual buyers from the former Soviet Union, or by limited liability companies connected to Russia. “We had big buyers from Russia and Ukraine and Kazakhstan,” sales agent Debra Stotts told Bloomberg. After Trump World Tower opened, Sotheby’s International Realty teamed up with a Russian real estate company to make a big sales push for the property in Russia. The “tower full of oligarchs,” as Bloomberg called it, became a model for Trump’s projects going forward. All he needed to do, it seemed, was slap the Trump name on a big building, and high-dollar customers from Russia and the former Soviet republics were guaranteed to come rushing in.
New York City real estate broker Dolly Lenz told USA TODAY she sold about 65 condos in Trump World at 845 U.N. Plaza in Manhattan to Russian investors, many of whom sought personal meetings with Trump for his business expertise.
“I had contacts in Moscow looking to invest in the United States,” Lenz said. “They all wanted to meet Donald. They became very friendly.”Lots of Russian and Eastern European Friends. Investing lots of money. And not only in New York.
Miami is known as a hotspot of the ultra-wealthy looking to launder their money from overseas. Thousands of Russians have moved to Sunny Isles. Hundreds of ultra-wealthy former Soviet citizens bought Trump properties in South Florida. People with really disturbing histories investing millions and millions of dollars. Igor Zorin offers a story with all the weirdness modern Miami has to offer: Russian cash, a motorcycle club named after Russia’s powerful special forces and a condo tower branded by Donald Trump.
Thanks to its heavy Russian presence, Sunny Isles has acquired the nickname “Little Moscow.”
From an interview with a Miami based Siberian-born realtor... “Miami is a brand,” she told me as we sat on a sofa in the building’s huge foyer. “People from all over the world want property here.” Developers were only putting up luxury properties because they “know that the crisis has not affected people with money,”
Most of her clients are Russian—there are now three direct flights per week between Moscow and Miami—and increasing numbers are moving to Florida after spending a few years in London first. “It’s a money center, and it’s a lot easier to get your money there than directly to the US, because of laws and tax issues,” she said. “But after your money has been in London for a while, you can move it to other places more easily.”
In the 2000s, Trump turned to licensing deals and trademarks, collecting a fee from other companies using the Trump name. This has allowed Trump to distance himself from properties or projects that have failed or encountered legal trouble and provided a convenient workaround to help launch projects, especially in Russia and former Soviet states, which bear Trump’s name but otherwise little relation to his general business.
Enter Bayrock Group, a development company and key Trump real estate partner during the 2000s. Bayrock partnered with Trump in 2005 and invested an incredible amount of money into the Trump organization under the legal guise of licensing his name and property management. Bayrock was run by two investors:
Felix Sater, a Russian-born mobster who served a year in prison for stabbing a man in the face with a margarita glass during a bar fight, pleaded guilty to racketeering as part of a mafia-driven "pump-and-dump" stock fraud and then escaped jail time by becoming a highly valued government informant. He was an important figure at Bayrock, notably with the Trump SoHo hotel-condominium in New York City, and has said under oath that he represented Trump in Russia and subsequently billed himself as a senior Trump advisor, with an office in Trump Tower. He is a convict who became a govt cooperator for the FBI and other agencies. He grew up with Micahel Cohen --Trump's disbarred former "fixer" attorney. Cohen's family owned El Caribe, which was a mob hangout for the Russian Mafia in Brooklyn. Cohen had ties to Ukrainian oligarchs through his in-laws and his brother's in-laws. Felix Sater's father had ties to the Russian mob.
Tevfik Arif, a Kazakhstan-born former "Soviet official" who drew on bottomless sources of money from the former Soviet republic. Arif graduated from the Moscow Institute of Trade and Economics and worked as a Soviet trade and commerce official for 17 years before moving to New York and founding Bayrock. In 2002, after meeting Trump, he moved Bayrock’s offices to Trump Tower, where he and his staff of Russian émigrés set up shop on the twenty-fourth floor.
Arif was offering him a 20 to 25 percent cut on his overseas projects, he said, not to mention management fees. Trump said in the deposition that Bayrock’s Tevfik Arif “brought the people up from Moscow to meet with me,”and that he was teaming with Bayrock on other planned ventures in Moscow. The only Russians who are likely have the resources and political connections to sponsor such ambitious international deals are the corrupt oligarchs.
In 2005, Trump told The Miami Herald “The name has brought a cachet to certain areas that wouldn’t have had it,” Dezer said Trump’s name put Sunny Isles Beach on the map as a classy destination — and the Trump-branded condo units sold “10 to 20 percent higher than any of our competitors, and at a faster pace.”“We didn’t have any foreclosures or anything, despite the crisis.”
In a 2007 deposition that was part of his unsuccessful defamation lawsuit against reporter Timothy O’Brien Trump testified "that Bayrock was working their international contacts to complete Trump/Bayrock deals in Russia, Ukraine, and Poland. He testified that “Bayrock knew the investors” and that “this was going to be the Trump International Hotel and Tower in Moscow, Kiev, Istanbul, et cetera, and Warsaw, Poland.”
In 2008, Donald Trump Jr. gave the following statement to the “Bridging U.S. and Emerging Markets Real Estate” conference in Manhattan: “[I]n terms of high-end product influx into the United States, Russians make up a pretty disproportionate cross-section of a lot of our assets; say in Dubai, and certainly with our project in SoHo and anywhere in New York. We see a lot of money pouring in from Russia.”
In July 2008, Trump sold a mansion in Palm Beach for $95 million to Dmitry Rybolovlev, a Russian oligarch. Trump had purchased it four years earlier for $41.35 million. The sale price was nearly $54 million more than Trump had paid for the property. This was the height of the recession when all other property had plummeted in value. Must be nice to have so many Russian oligarchs interested in giving you money.
In 2013, Trump went to Russia for the Miss Universe pageant “financed in part by the development company of a Russian billionaire Aras Agalarov.… a Putin ally who is sometimes called the ‘Trump of Russia’ because of his tendency to put his own name on his buildings.” He met with many oligarchs. Timeline of events. Flight records show how long he was there.
Video interview in Moscow where Trump says "...China wanted it this year. And Russia wanted it very badly." I bet they did.
Also in 2013, Federal agents busted an “ultraexclusive, high-stakes, illegal poker ring” run by Russian gangsters out of Trump Tower. They operated card games, illegal gambling websites, and a global sports book and laundered more than $100 million. A condo directly below one owned by Trump reportedly served as HQ for a “sophisticated money-laundering scheme” connected to Semion Mogilevich.
In 2014, Eric Trump told golf reporter James Dodson that the Trump Organization was able to expand during the financial crisis because “We don’t rely on American banks. We have all the funding we need out of Russia. I said, 'Really?' And he said, 'Oh, yeah. We’ve got some guys that really, really love golf, and they’re really invested in our programmes. We just go there all the time.’”
A 2015 racketeering case against Bayrock, Sater, and Arif, and others, alleged that: “for most of its existence it [Bayrock] was substantially and covertly mob-owned and operated,” engaging “in a pattern of continuous, related crimes, including mail, wire, and bank fraud; tax evasion; money laundering; conspiracy; bribery; extortion; and embezzlement.” Although the lawsuit does not allege complicity by Trump, it claims that Bayrock exploited its joint ventures with Trump as a conduit for laundering money and evading taxes. The lawsuit cites as a “Concrete example of their crime, Trump SoHo, [which] stands 454 feet tall at Spring and Varick, where it also stands monument to spectacularly corrupt money-laundering and tax evasion.”
In 2016, the Trump Presidential Campaign was helped by Russia.
(I don't have the presidential term sourced yet. I'll post an update when I do. I'm sure you probably remember most of them...sigh. TY to the main posters here. Obviously I'm standing on your shoulders having taken a lot of the information or articles from here).
submitted by Well__Sourced to Keep_Track [link] [comments]

Lockdown 3.0 Things to do, plus help and support.

Disclaimer I want to thank everyone for the gilds, replies and suggestions. I just do not have time to reply to everyone, but I am reading everything. I am not sure how much bigger the thread can be, I already typed this but it vanished so I think I'm at the limit. I will try to keep updating, but I don't expect the thread to be up top for much longer and will likely vanish soon, so if you need anything save it.
Yes, it's hard, it sucks, it's depressing. It is something we all have to do if you want to see this virus go. Everyone knows the deal, too many think they're the exception but no one is. However, staying home is hard so maybe I can help at least one or two people with some incentives. I'll try to give links to some things that can help cure the boredom, and some support if you need it.
Most of this might be obvious to some, some might not even have internet and of course, money is a big issue, so I'll try to give some suggestions:
For streaming and on demand things such as Netflix et al, don't forget you can subscribe for free for your first month. This goes for most things in the list. If you are worried about putting in your payment details and forgetting to cancel a month later, don't worry! You can sign up and immediately cancel and you still get your free month!
For people who don't have a smart TV, you can buy a cheap Amazon Fire TV stick or a Roku box. The Fire stick can go as low as £20 often for 1080p. It will drop to £30 for 4k.
I picked up a 4k Roku device for £18 on Amazon once. It's fast and snappy. currently it's going for £33 for the 4k version. Having both, there is little difference between the devices. NowTV also do their own roku powered device.
Subscription based streaming sites that all offer 2-4 weeks free for first timers
  • Netflix *According to comments the second month is free.
  • Amazon Prime You can either get Amazon video on its own, or take prime with other benefits. I strongly urge those who use Amazon for buying off their store front to use [https://smile.amazon.co.uk/] as there is literally no difference except everything you buy amazon donates to a charity of your choice.
  • Now TV (I believe it's 7 days)
  • Disney+
  • Britbox
  • Amazon channels. I believe you can get all these individually but Amazon offers them as channels bound to your prime account, and they are again either free for a couple weeks (again, take them, cancel instantly) or very cheap. I recently subscribed to Starzplay for £1 for 3 months. It has some good shows on it like Fringe, doom patrol. It also has channels like Curiosity stream and shudder
If you have not subscribed to the any of the above, you can get a few months of free TV by signing up and cancelling instantly. I suggest waiting at least 5 minutes just to let it go through the system.
Some tips for Now TV. IF you already have a subscription, I've noticed you can get it cheaper by cancelling. When you cancel they will beg you to stay. Select "I can not afford it this month" and they should beg again, telling you what shows they have. If you say you still want to cancel, they'll beg one last time and offer you the subscription for cheaper. This won't work every month, but I've noticed they'll always offer it the first time, then again after a couple months. If you're subscribed to both films and entertainment do the most expensive one as it may not work both times (but it might!). You can also pick up passes from storefronts a lot cheaper sometimes, before I could pick one up on Amazon for £3 but, they seem to have cracked down on it. If you shop around (or if anyone knows of a legitimate store please let me know) you might be able to pick it up cheaper. Lastly, check their website and under your account they should have an "offers for you" section.
Completely free TV
If you do have a smart TV and/or device, there are some good free streaming apps. One I really love is called PlutoTV. I know this is on both Roku and the fire stick, as well as Ps4/Ps5 and xbox.
Pluto offers a bunch of live channels and now an on demand section, all for free. It has adverts but they are actually short (shorter than regular TV and fewer of them). Some of the channels are just streaming certain shows like Mythbusters 24/7 or Dog the bounty hunter, but it has a lot of old movie channels as well as 24/7 kickboxing and MMA. It also has a 24/7 poker channel I quite like.
Another one I like is Rakuten Viki however, I haven't watched it for a while as my fire stick is only 1080p and I have too many other devices attached. I believe it is on Roku but you have to jump through some hoops and have an account. The last I checked on the fire stick you did not. Viki offers a metric ton of Asian shows, mainly from Japan and South Korea but it does have chinese, Malaysian etc. It has subtitles. Some Japanese shows are hysterical, albeit weird.
Roku also do their own channels with free shows if you own a device.
For those who don't have a smart TV or a Streaming device, you can set up your own computer as a dedicated streaming device with Plex. It's been a while since I used it but I believe it now also offers free movies and TV.
Anime
If you are into Anime there is
The first 2 are free to watch, or offer premium without ads which you can have a trial with. Crunchyroll is the better of the two with more original choice for Japanese voice and subs, while Funimation has more Dubs. I don't believe HiDive is free to watch but you do get a 2 week trial. These are more exclusives than the previous two.
PC Centric software
If you are a gamer or like Audiobooks or anything that uses computers for things like music making, programming or graphic design
Humble Bundle offers, as per the name, bundles. A long running site that got bought out by IGN. It offers both single items and bundles you can buy individually/as a pack while also offering a separate monthly subscription for around £8-9. The subscription gives you 12 games on average per month. That's the simplest explanation but it changes somewhat as sometimes you get to pick 10 out of 14 games, or get all 12.
Humble bundle offers more than just games though. Every Tuesday they bring a new bundle of games, while Thursday (I "think) a new bundle of books. They very often have books from the Black Library giving you a ton of Warhammer books. Sometimes it's standard E-books, other times it's audiobooks. A few times a year they do bundles for graphic design, a typical bundle would include programs like Paintshop Pro Corel Painter etc, They usually go for £0.76 for tier 1 up to around £18 for tier 3, which would include 4-6 full titles with 10+ addons. They also often have Music making bundles or video editing software as well as Programming or video game development.
The bundles change often, they usually have around 11 bundles at a time that last for 20 days. Sometimes it's trash but they do often have some very good deals.
Fanatical offers the same as humble bundle except usually not as high quality, but sometimes they do have some incredible deals, and they are very very cheap.
Both humble and fanatical are safe, trusted and been around a long time, and they are NOT grey market key sites. They work with the publishers and developers. You can buy games both old and new for a lot cheaper than you would most other places. Unless it states otherwise, keys are usually for steam.
**BOTH HB and Fanatical (HB much more common) offer free games fairly often. The catch is linking your steam account to them (at least HB). It is safe however.
IndieGala is another site like above. Except, these are much much lower quality. However, they offer a metric ton of free games. Quality is low but it is legitimate, and a lot of free stuff.
Game Store Fronts
  • Steam This one is so obvious I didn't add it, but apparently many want me to. It is the best out there, and you can find almost everything, with fantastic deals.
  • Greenmangaming offers games cheaply. Again, not a grey market site (which are legal but unethical) and they sometimes do bundles.
  • GoG (Good old games) is a DRM free site run by CDPR, the makers of the Witcher 3 and Cyberpunk. They offer you games quite cheap and not needing DRM (such as Steam, Uplay etc which is less invasive versions of dodgy DRM from the olden days).
  • Epic Games Despite the controversy whether you care about their rivalry with valve, they offer free games ever week. Without ever having bought anything I have gained over 170 games. literally. Good games for the most part. They often give you £10 coupons as well.
  • Twitch Everyone knows twitch, but if you don't, it's a streaming service for watching gamers and girls with low cut tops accidentally bending over in front of the game. However, if you're signed up to prime, you get free games each month (and randomly between the set bunch).
  • Playstation Store Currently has January sales. Currently the free games for PS+ are for PS4: Shadow of the Tomb Raider and Greedfall. For the Ps5 it is Maneater
  • Games with Gold Bleed 2 and the King of Fighters XIII is available until Janurary 15th whilst little Nightmares is available until January 31st.
Gaming Subscriptions
Like the TV versions, you can sign up to these for a free trial (or very cheap). If you do sign up to only one at a time, it should keep you busy for a few months
  • Xbox Game Pass You can do this on both/either an Xbox or PC. If you sign up to the regular one, you can get a month (maybe three!) for £1. After you have done that, you can sign up to the premium version for 3 months at £1 a month. Most people know game pass, but you can download a large selection of games for free. The premium version gives you games with gold, allowing you to keep the games forever (but can only play with a subscription)
  • Ubisoft+ I'm not 100% sure if you get a trial or not. This allows a large collection of Ubisoft titles to play for £12.99 a month. Quite expensive but good if you like Ubisoft titles I guess.
  • EA Play EA's version. Goes by a ton of names I think, EA Access, EA Play, Origin Access etc etc. There's a couple of versions of this, and it is across all platforms (PS4/5, Xbox, PC) but not sure about the switch. I "think" the premium allows you to play on all platforms, while the cheaper one on a single platform, but I may be mistaken.
  • PS Now a once terrible service that is now actually very good. Allows you to download some Ps4 games to your PS4/5 and lets you stream a massive amount of Ps2/3/4 to your PC or playstation.
There's more like nvidia's service but you need the Shield device which is quite expensive. I'll leave it at that.
Audiobooks & Ebooks
  • Audible Not sure what the current deal is but if you are a prime member you can sign up for a trial and get a free Audiobook each month for 3 months. Some warhammer books are 48 hours long, 3 of those gives you a good 100+ hours of listening!
  • Comixology Another Amazon company, but lets you download some free comics I believe.
  • Marvel Unlimited No experience with this. ItFuckingWont wanted me to add it. A subscription service for Marvel.
Education
  • Sign Language BSL here No experience myself, suggested by n21brown and asked for a few times. Didn't know SL was so popular! Listed as "Pay what you can"
  • BBC's Bitesize here is apparently good for home learning. Again, no personal experience.
If you need some spare change
Okay, I don't generally bother with it, but maybe some of this could be useful to you. These are NOT a quick way to make a fortune. These are small things you can do over time for a bit of pocket change
  • If you have prime you can get a FREE FIVE POUND GIFT CARD by literally just streaming a song from Amazon music (which is included in prime) here is the details According to the comments it's only for select people, but it's worth trying If the link doesn't work for you just google "Amazon £5 coupon music"
  • Now, these sorts of sites have been around for years, I haven't used any other than talkInsights which I must have signed up to 10-15 years ago. Basically they send you surveys and you answer them. They are confidential and don't ask for personal details in the survey. You need 2000 points and you get £20. During the pandemic they've slowed down but I probably get around £40 a year. Not much I know, but it's an email followed by a quick survey ticking boxes. Depending on your answer sometimes you get screened out, I'm not telling you to lie but just be consistent with your answers and you should be able to work out how to not get screened. Some emails are only worth 20 points, others 200. It's slow to get to the 2000 but very quick to just answer a few questions.
  • Apparently beermoneyuk is a good sub to make some pocket change with.
  • There is also matched betting. I have never done this, I don't have the patience but from what I've read, it's legitimate, it works and you can make a fair amount of cash from it so long as you do it correctly, and there's a ton of guides. I mention this because people stuck at home could get into it and as long as you're careful (I.E not entering in the wrong numbers) it's risk free AND it pisses off the betting shops. It seems people in comments have had success with it. Disclaimer A couple have complained about gambling. This arguably is not gambling. If you are susceptible to addiction do not do it. However, it's argued that there is no fun or buzz in this, and it's a very tedious and time consuming thing. Others argue you can't make the same money anymore (People were making thousands, now only hundreds if that). It's risk free providing you know what you're doing, the risks are user error, such as entering the wrong numbers. Someone pointed out that due to the lockdown, bets could potentially be cancelled due to sport stopping. So use on a side of caution. We're (mainly) adults so I'll leave it up just because this doesn't have the excitement of regular gambling.
  • Microsoft Rewards This is an easy way to make pocket change doing very little. Most people have a MS account. The rewards program offers you numerous ways to grab points, by playing free to play games, answering small questions (you don't even need to answer most of the time, just open the link and shut it) and by using bing and searching on it. I've gotten 20k points JUST by answering questions over a couple months. There are many rewards but you can grab a £5 gift card for 6k for example, or a month of game pass (and AFAIK you can make points playing the games)
  • Google rewards Someone mentioned this in the comments. I have not used it, so can not give any input on it. Sounds similar to TalkInsights which I linked. Google states "Complete short surveys while standing in line, or waiting for a subway. Get rewarded with Google Play or PayPal credit for each one you complete. Topics include everything from opinion polls, to hotel reviews, to merchant satisfaction surveys. We’ll notify you when a survey is waiting."
That's it for now. I will try to update as I go along. A long post but I hope that it can help some of you with finding something good to do that's free, cheap or a bargain. I do suggest getting prime, especially since you get free music, free delivery, free TV and music and free video games each month. In fact, there's a ton of perks and I feel I've gotten way over the cost investment.
Hope it helps someone at least
PartTimeCrazy said if you bought an Apple product you get 3 free months of Apple Arcade and Apple TV free for a year
fakehunted is upset I didn't mention wanking. Tesco have 225 sheets of Tissue for £0.75!
tale_lost suggested Project Gutenberg for a collection of free E-Books
Learning Language
Unfortunately, I don't have time to check every link listed so I will link the comments:
Togtogtog Gives a lot of links for Spanish
Board & Tabletop games
Corporal_Anaesthetic has made a list of Board games
ilyemco suggested these
HEALTH
I'm not a doctor! But if you're a smoker, something I strongly suggest is to quit. I struggled for years but in the first lockdown I quit, technically. I haven't had a cigarette since, however, I do that silly thing millennials do. I vape, but, it made quitting extremely easy. I would not have been able to do it if it wasn't for 88Vape They sell extremely cheap liquids at £1 each. You can find these in B&M but you can pick up 25 for £20 or buy your own mix.
Vitamin D deficiency has been said to be a big problem for the virus. I'd suggest (again, not a doctor!) that you pick some up. Tesco do a 3 for 2 deal. So you can pick up 270 tablets for £7.
If you are vulnerable you MIGHT be able to phone tesco and get put on their delivery saver list (currently it's paused but phoning may help. At the very least they might give you a priority slot. I did this for my mum, we didn't shop at Tesco but I phoned for her, and they put her on with no hassle, so she can always get a delivery.
HELP & ADVICE
The lockdown Rules.
Reasons to leave home include:
  • Work or volunteering where it is "unreasonable" to work from home. This includes work in someone else's home, such as that carried out by social workers, nannies, cleaners and tradespeople
  • Education, training, childcare and medical appointments and emergencies
  • Exercise outdoors (limited to once a day). This includes meeting one other person from another household in an open public space to exercise
  • Shopping for essentials such as food and medicine
  • Communal religious worship
  • Meeting your support or childcare bubble. Children can also move between separated parents Activities related to moving house
I want to add, if you are in danger you are also allowed (and must!) to get away from the situation for some reason, BBC seems to have missed this very important thing (or I am blind)
Support
FOR THOSE SHIELDING YOU CAN CONTACT THE ROYAL VOLUNTARY SERVICE. These people helped my mother with picking up her medicine from the chemist. They were very helpful and went out their way to keep in touch and do it immediately. (It's the only experience I have with them though)
_riotingpacifist wanted these links added, but I simply just don't have the time to vet and check all the suggestions here, so I will link as is:
Update:
Digital Art
These are Free
  • Krita Arguably the best in my opinion. It has a load of options, brushes and a decent UI. It works fantastic with a tablet.
  • Gimp This is a decent program but last I used, the UI was a pain, and it isn't so user friendly while misses features, but it works, and it is possible to do some incredible creations on it.
  • Medibang Paint This is slightly geared towards Comics and Manga. I really enjoy using this with my drawing Tablet. As far as I know, it also for regular tablets for Android/Ipad and is free.
You can pick up a drawing tablet on Amazon quite cheap these days! Small ones that are just a black slate such as the wacom ones are good but takes some practice to get use to, but very worth it if you can't afford a dedicated drawing tablet with a screen.
Office suit software
A couple of free applications for word processing, spreadsheets etc.
  • LibreOffice This has most the average user would need to write their own books or to work from home. There's not a huge amount of difference between the two I'm linking (since I last used anyway) so it's more for preference.
  • Open Office You can pick this up here and again, like above it's just preference.
Music Making
I'm going to direct to matthewharris806 for some links as all the programs I've used like Reason are expensive, or cheaper stuff in bundles such as Magix software.
Games development
D_Dad_Default gives some links for that here
submitted by MrSoapbox to unitedkingdom [link] [comments]

Detailed DD post [re-post after r/pennystocks removed it]

Detailed DD post [re-post after pennystocks removed it]
I posted this yesterday morning (UK time) but after 5 hours or so, pennystocks deleted the original post. A few people messaged me asking for it to be shared in a few High Tide specific pages. So here it is!
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This is my first time posting a DD post – a friend of mine who moderates on SPACs has shared some analysis I have written previously, but I’m keen to share this here, and see if there is any appetite for sharing my own personal written DD I have on the 30 stocks I have across a number of different portfolios.
I have modified this format, as it was originally a script for a video which I created on the stock. If you prefer to listen – check it out here: https://youtu.be/qsjwU7kkPsw
Some of the market stats (market cap, current multiples, etc.) are correct as of Feb-06, and clearly a little outdated since the price movements.
Not a financial advisor, do your own DD. I am long HITI and have an expectation of a long term hold on this stock.
Overview
  • High Tide Canada-based cannabis retail company, operating under multiple brands. It operates under 3 core divisions:
  1. Brick and mortar retail – 4 key brands with just under 70 locations in Canada. Brands include: Canna Cabana, New Leaf, Meta Cannabis and Kushbar. Forecast to have around 115 stores by end of 2021
  2. Online retail – has 2 brands, both of which attract millions of viewers per month – Grasscity.com and CBDcity.com
  3. Wholesale – manufacturer of paraphernalia in US and Canada. Number of products are branded with various celebrities, Snoop Dogg, Paramount Pictures, Trailer Park Boys and many more
  • Has good c-level execs and experienced executive board; hold significant stake in the business. CEO Raj Grover holds just over 21% of the shares
  • Currently has a market cap of around $280m. Still significant upside to the valuation – see analysis later in post
Investment Merits
Very strong market growth:
  • Business has demonstrated growth both organically (through new store openings, more online sales and greater wholesale sales), as well as inorganically through M&A
  • Growth in markets which High Tide has a physical presence in is expected to be very strong. North American cannabis market (Canada and US) is forecast to grow by 30% a year to 2027 (source: research and markets)
  • Analysts covering High Tide are forecasting growth in excess of this, which is positive to see and implies capturing market share
  • New markets / geographies ‘opening up’, legalizing and regulating cannabis is also an exciting and realistic prospect for incremental growth:
  1. The US federal legalization debate is on the table
  2. Many other countries are considering this too and High Tide is well positioned for these; this is catalyzed by the fact that government debt has increased significantly as part of the response to the COVID-19 health crisis. This needs to be repaid somehow, and increasing tax rates on existing taxes is an unpopular political move. Finding new tax revenues is a more palatable way of increasing tax revenues for governments. This is especially important in countries where elections are upcoming.
  • Personally I do expect to see this accelerate the agenda for the regulation and legalization of cannabis in many new countries
  • Whilst predominantly Canada and US based, High Tide does have presence in some markets where cannabis is not regulated or legalized, the UK for example (~10% of Grasscity sales are made here) and so it is well positioned with a strong and established brand to capitalize on this opportunity, when / if the market ‘opens up’
Regulation
  • High Tide benefits from the regulatory focus and overhang on the cannabis retail sector as it represents a strong barrier to entry, making it more challenging for new competitors to enter market
  • Participants in the market need to have licenses and ensure consistent compliance with laws to continue operating – failure to comply can result in significant financial penalties
  • Personally I normally don’t like investing into retail. There are usually fairly limited barriers to entry, minimal differentiation and negligible customer loyalty, however the cannabis market does have different characteristics in this respect and makes it a more compelling proposition
  • Regulation also benefits those with scale, something High Tide has as the leading player in the market. It costs money to obtain and retain licences to operate and it costs money to ensure compliance with all the laws and regulations and that all staff are acting in accordance with these
  • Some parallels in this respect which can be drawn to casino gaming in casinos; you don’t see new casinos popping up at the same rate which you see new restaurants or apparel stores opening
Demand
  • There’s a lot to like about the demand dynamics for High Tide. It’s vice-nature means that demand is less correlated to disposable incomes. Given where we are in economic cycle, especially important consideration
  • For those doubting this, check alcohol, tobacco or gambling expenditure across economic cycles historically, for a proxy
Strong performance throughout COVID-19 crisis
  • Despite heavy weighting towards brick and mortar, (the most hard hit part of retail) it has effectively managed the shift to online, which is a positive
  • Has relied on government support and financial assistance in the form of job retention schemes (address in more detail later in post)
  • This demonstrates management are capable and have effectively navigated the challenging situation
Data
  • Massively summarized from the video, (and my video on KERN) so check that out if interested in this point, however, they have unique access to supply chain data which could be monetized effectively and generate strong levels of recurring revenues
  • Other established sectors have a trusted party with such unique access to data (e.g. alcohol, lithium, different foods, etc.) and the opportunity here is enormous
  • I would like to see High Tide capitalize on this
Forecasts financials & analysts
  • Currently 2 analysts covering High Tide, both have a buy rating on the business
  • Their coverage is slightly outdated (expect this being updated soon and a further catalyst for positive price action) and their price targets are 60c; at the time their reports were published, they were forecasting a 4x upside (HITI was trading at ~15c)
  • Same analysts also forecasting strong growth - 77% CAGR to 2022. They are forecasting revenues of around $250m and EBITDA of $46m. A reminder here, these are professional analysts, not YouTube students – these come from their financial models, the assumptions of which are discussed with management
https://preview.redd.it/nfq8h5fpvmg61.png?width=602&format=png&auto=webp&s=f48977ca9c0072003ac71206cef28b0a493dd583
Valuation
  • Going to go quick here, its explained more slowly in the video but High Tide is currently valued at a significant discount to the other listed peers
  • Looking at EV / FY+1 Sales multiples – EBITDA not meaningful as some of the peer group are EBITDA negative and High Tide itself has only recently become EBITDA positive

https://preview.redd.it/4t4n303rvmg61.png?width=342&format=png&auto=webp&s=636bca248743272bed283af97780d3e1e121312f
  • Personally, I think Planet13 is the most comparable given its business model
  • Taking both Planet13 multiple and peer group average multiple, this is then applied to High Tide’s forecast FY+1 sales to calculate an enterprise value – this is adjusted for net debt to get to a market capitalization and then divided by the share count to get an implied share price
  • The table below shows the implied stock price valuations from this analysis

https://preview.redd.it/1mks0oxrvmg61.png?width=406&format=png&auto=webp&s=587ca8e2468b825103905931ebe7ab5b42314c6f
NB – assumed the following:
  1. Net debt will change in coming year given the capital structure and a large number of convertible notes – this has been ignored given it will have small impact on the price
  2. The share count will change as a result of dilution from various instruments – if this bothers you massively then look at the valuation discount on the basis of the enterprise value as it does not impact this (and only slightly on the market cap given minimal impacts to cash from instrument execution, etc.)
  3. Not accounting for any stock split, consolidation or any other M&A deals
  4. The FY21 financials are on the basis of the mean broker estimates from Thomson Reuters – Seeking Alpha has different and slightly outdated ones
Investment Risks & Mitigants / Outstanding DD points
Exposure to changing regulation
  • US is only a small part of the market which High Tide addresses, while a change in regulation would have a big impact on the company, currently it is unlikely this would happen, given the discussions about potential federal legalization
  • Canada regulation is established and not going anywhere
  • Other countries likely to legalize and regulate cannabis, as outlined earlier
Dilution
  • No escaping that there will be some significant dilution for shareholders, as pointed out in the table below, but this should be already priced into the stock
  • Potential that new equity issuances could occur to help finance growth, but provided this growth is delivered, it should be accretive for the stock price

https://preview.redd.it/vkrb2ousvmg61.png?width=602&format=png&auto=webp&s=40f8f4c65b92efc15af0eba42bb873c774700eff
Potentially misleading cost basis information
  • A risk that investors need to be aware with for all companies which have relied on government financial support during COVID-19 measures. Such support has resulted in the number of businesses going bankrupt decreasing massively – this is at a lower level than it ever normally is and is masking some real underlying issues within companies. As investors we need to be open eyed about this
  • As High Tide has benefited from support in the form of the Canada’s Emergency Wage Support scheme, there is the risk that once this is lifted it may become apparent that the cost base has not been effectively managed
  • Personally, I think this is mitigated by the synergy analysis conducted as part of the M&A. A full cost base analysis would have been conducted to calculate the potential $8.4m synergies so strong likelihood that this is under control, but should keep on our radar and reassess
Marketing expenses and celebrity licenses
  • Need more information to ascertain whether these are underpinned by a compelling ROI. Seen a lot of people suggest this is a great positive, but the impact on sales volumes from these is unknown, as is the terms of these license agreements (e.g. split between upfront fee vs. volume-based fee)
  • No escaping the fact that it is an increased cost and so need to understand the ROI this generates to determine whether it really is compelling
  • Is there really more demand to pay a premium for Snoop Dogg bongs, Guns n Roses papers, Cheech & Chong grinders, or whatever they may be?
  • So far management have suggested this has been helpful in driving new sales, but this is something to dig into more
If you want to check out the video, it would be appreciated: https://youtu.be/qsjwU7kkPsw
submitted by AlexM-YT to HITIFSTOCK [link] [comments]

Playboy going public: Porn, Gambling, and Cannabis

NEW INFO 5 Results from share redemption are posted. Less than .2% redeemed. Very bullish as investors are showing extreme confidence in the future of PLBY.
https://finance.yahoo.com/news/playboy-mountain-crest-acquisition-corp-120000721.html
NEW INFO 4 Definitive Agreement to purchase 100% of Lovers brand stores announced 2/1.
https://www.streetinsider.com/Corporate+News/Playboy+%28MCAC%29+Confirms+Deal+to+Acquire+Lovers/17892359.html
NEW INFO 3 I bought more on the dip today. 5081 total. Price rose AH to $12.38 (2.15%)
NEW INFO 2 Here is the full webinar.
https://icrinc.zoom.us/rec/play/9GWKdmOYumjWfZuufW3QXpe_FW_g--qeNbg6PnTjTMbnNTgLmCbWjeRFpQga1iPc-elpGap8dnDv8Zww.yD7DjUwuPmapeEdP?continueMode=true&tk=lEYc4F_FkKlgsmCIs6w0gtGHT2kbgVGbUju3cIRBSjk.DQIAAAAV8NK49xZWdldRM2xNSFNQcTBmcE00UzM3bXh3AAAAAAAAAAAAAAAAAAAAAAAAAAAA&uuid=WN_GKWqbHkeSyuWetJmLFkj4g&_x_zm_rtaid=kR45-uuqRE-L65AxLjpbQw.1611967079119.2c054e3d3f8d8e63339273d9175939ed&_x_zm_rhtaid=866
NEW INFO 1 Live merger webinar with PLBY and MCAC on Friday January 29, 2021 at 12:00 NOON EST link below
https://mcacquisition.com/investor-relations/press-release-details/2021/Playboy-Enterprises-Inc.-and-Mountain-Crest-Acquisition-Corp-Participate-in-SPACInsider-ICR-Webinar-on-January-29th-at-12pm-ET/default.aspx
Playboy going public: Porn, Gambling, and Cannabis
!!!WARNING READING AHEAD!!! TL;DR at the end. It will take some time to sort through all the links and read/watch everything, but you should.
In the next couple weeks, Mountain Crest Acquisition Corp is taking Playboy public. The existing ticker MCAC will become PLBY. Special purpose acquisition companies have taken private companies public in recent months with great success. I believe this will be no exception. Notably, Playboy is profitable and has skyrocketing revenue going into a transformational growth phase.
Porn - First and foremost, let's talk about porn. I know what you guys are thinking. “Porno mags are dead. Why would I want to invest in something like that? I can get porn for free online.” Guess what? You are absolutely right. And that’s exactly why Playboy doesn’t do that anymore. That’s right, they eliminated their print division. And yet they somehow STILL make money from porn that people (see: boomers) pay for on their website through PlayboyTV, Playboy Plus, and iPlayboy. Here’s the thing: Playboy has international, multi-generational name recognition from porn. They have content available in 180 countries. It will be the only publicly traded adult entertainment (porn) company. But that is not where this company is going. It will help support them along the way. You can see every Playboy magazine through iPlayboy if you’re interested. NSFW links below:
https://www.playboy.com/
https://www.playboytv.com/
https://www.playboyplus.com/
https://www.iplayboy.com/
Gambling - Some of you might recognize the Playboy brand from gambling trips to places like Las Vegas, Atlantic City, Cancun, London or Macau. They’ve been in the gambling biz for decades through their casinos, clubs, and licensed gaming products. They see the writing on the wall. COVID is accelerating the transition to digital, application based GAMBLING. That’s right. What we are doing on Robinhood with risky options is gambling, and the only reason regulators might give a shit anymore is because we are making too much money. There may be some restrictions put in place, but gambling from your phone on your couch is not going anywhere. More and more states are allowing things like Draftkings, poker, state ‘lottery” apps, hell - even political betting. Michigan and Virginia just ok’d gambling apps. They won’t be the last. This is all from your couch and any 18 year old with a cracked iphone can access it. Wouldn’t it be cool if Playboy was going to do something like that? They’re already working on it. As per CEO Ben Kohn who we will get to later, “...the company’s casino-style digital gaming products with Scientific Games and Microgaming continue to see significant global growth.” Honestly, I stopped researching Scientific Games' sports betting segment when I saw the word ‘omni-channel’. That told me all I needed to know about it’s success.
“Our SG Sports™ platform is an enhanced, omni-channel solution for online, self-service and retail fixed odds sports betting – from soccer to tennis, basketball, football, baseball, hockey, motor sports, racing and more.”
https://www.scientificgames.com/
https://www.microgaming.co.uk/
“This latter segment has become increasingly enticing for Playboy, and it said last week that it is considering new tie-ups that could include gaming operators like PointsBet and 888Holdings.”
https://calvinayre.com/2020/10/05/business/playboys-gaming-ops-could-get-a-boost-from-spac-purchase/
As per their SEC filing:
“Significant consumer engagement and spend with Playboy-branded gaming properties around the world, including with leading partners such as Microgaming, Scientific Games, and Caesar’s Entertainment, steers our investment in digital gaming, sports betting and other digital offerings to further support our commercial strategy to expand consumer spend with minimal marginal cost, and gain consumer data to inform go-to-market plans across categories.”
https://www.sec.gov/Archives/edgadata/1803914/000110465921005986/tm2034213-12_defm14a.htm#tMDAA1
They are expanding into more areas of gaming/gambling, working with international players in the digital gaming/gambling arena, and a Playboy sportsbook is on the horizon.
https://www.playboy.com/read/the-pleasure-of-playing-with-yourself-mobile-gaming-in-the-covid-era
Cannabis - If you’ve ever read through a Playboy magazine, you know they’ve had a positive relationship with cannabis for many years. As of September 2020, Playboy has made a major shift into the cannabis space. Too good to be true you say? Check their website. Playboy currently sells a range of CBD products. This is a good sign. Federal hemp products, which these most likely are, can be mailed across state lines and most importantly for a company like Playboy, can operate through a traditional banking institution. CBD products are usually the first step towards the cannabis space for large companies. Playboy didn’t make these products themselves meaning they are working with a processor in the cannabis industry. Another good sign for future expansion. What else do they have for sale? Pipes, grinders, ashtrays, rolling trays, joint holders. Hmm. Ok. So it looks like they want to sell some shit. They probably don’t have an active interest in cannabis right? Think again:
https://www.forbes.com/sites/javierhasse/2020/09/24/playboy-gets-serious-about-cannabis-law-reform-advocacy-with-new-partnership-grants/?sh=62f044a65cea
“Taking yet another step into the cannabis space, Playboy will be announcing later on Thursday (September, 2020) that it is launching a cannabis law reform and advocacy campaign in partnership with National Organization for the Reform of Marijuana Laws (NORML), Last Prisoner Project, Marijuana Policy Project, the Veterans Cannabis Project, and the Eaze Momentum Program.”
“According to information procured exclusively, the three-pronged campaign will focus on calling for federal legalization. The program also includes the creation of a mentorship plan, through which the Playboy Foundation will support entrepreneurs from groups that are underrepresented in the industry.” Remember that CEO Kohn from earlier? He wrote this recently:
https://medium.com/naked-open-letters-from-playboy/congress-must-pass-the-more-act-c867c35239ae
Seems like he really wants weed to be legal? Hmm wonder why? The writing's on the wall my friends. Playboy wants into the cannabis industry, they are making steps towards this end, and we have favorable conditions for legislative progress.
Don’t think branding your own cannabis line is profitable or worthwhile? Tell me why these 41 celebrity millionaires and billionaires are dummies. I’ll wait.
https://www.celebstoner.com/news/celebstoner-news/2019/07/12/top-celebrity-cannabis-brands/
Confirmation: I hear you. “This all seems pretty speculative. It would be wildly profitable if they pull this shift off. But how do we really know?” Watch this whole video:
https://finance.yahoo.com/video/playboy-ceo-telling-story-female-154907068.html
Man - this interview just gets my juices flowing. And highlights one of my favorite reasons for this play. They have so many different business avenues from which a catalyst could appear. I think paying attention, holding shares, and options on these staggered announcements over the next year is the way I am going to go about it. "There's definitely been a shift to direct-to-consumer," he (Kohn) said. "About 50 percent of our revenue today is direct-to-consumer, and that will continue to grow going forward.” “Kohn touted Playboy's portfolio of both digital and consumer products, with casino-style gaming, in particular, serving a crucial role under the company's new business model. Playboy also has its sights on the emerging cannabis market, from CBD products to marijuana products geared toward sexual health and pleasure.” "If THC does become legal in the United States, we have developed certain strains to enhance your sex life that we will launch," Kohn said. https://cheddar.com/media/playboy-goes-public-health-gaming-lifestyle-focus Oh? The CEO actually said it? Ok then. “We have developed certain strains…” They’re already working with growers on strains and genetics? Ok. There are several legal cannabis markets for those products right now, international and stateside. I expect Playboy licensed hemp and THC pre-rolls by EOY. Something like this: https://www.etsy.com/listing/842996758/10-playboy-pre-roll-tubes-limited?ga_order=most_relevant&ga_search_type=all&ga_view_type=gallery&ga_search_query=pre+roll+playboy&ref=sr_gallery-1-2&organic_search_click=1 Maintaining cannabis operations can be costly and a regulatory headache. Playboy’s licensing strategy allows them to pick successful, established partners and sidestep traditional barriers to entry. You know what I like about these new markets? They’re expanding. Worldwide. And they are going to be a bigger deal than they already are with or without Playboy. Who thinks weed and gambling are going away? Too many people like that stuff. These are easy markets. And Playboy is early enough to carve out their spot in each. Fuck it, read this too: https://www.forbes.com/sites/jimosman/2020/10/20/playboy-could-be-the-king-of-spacs-here-are-three-picks/?sh=2e13dcaa3e05
Numbers: You want numbers? I got numbers. As per the company’s most recent SEC filing:
“For the year ended December 31, 2019, and the nine months ended September 30, 2020, Playboy’s historical consolidated revenue was $78.1 million and $101.3 million, respectively, historical consolidated net income (loss) was $(23.6) million and $(4.8) million, respectively, and Adjusted EBITDA was $13.1 million and $21.8 million, respectively.”
“In the nine months ended September 30, 2020, Playboy’s Licensing segment contributed $44.2 million in revenue and $31.1 million in net income.”
“In the ninth months ended September 30, 2020, Playboy’s Direct-to-Consumer segment contributed $40.2 million in revenue and net income of $0.1 million.”
“In the nine months ended September 30, 2020, Playboy’s Digital Subscriptions and Content segment contributed $15.4 million in revenue and net income of $7.4 million.”
They are profitable across all three of their current business segments.
“Playboy’s return to the public markets presents a transformed, streamlined and high-growth business. The Company has over $400 million in cash flows contracted through 2029, sexual wellness products available for sale online and in over 10,000 major retail stores in the US, and a growing variety of clothing and branded lifestyle and digital gaming products.”
https://www.sec.gov/Archives/edgadata/1803914/000110465921005986/tm2034213-12_defm14a.htm#tSHCF
Growth: Playboy has massive growth in China and massive growth potential in India. “In China, where Playboy has spent more than 25 years building its business, our licensees have an enormous footprint of nearly 2,500 brick and mortar stores and 1,000 ecommerce stores selling high quality, Playboy-branded men’s casual wear, shoes/footwear, sleepwear, swimwear, formal suits, leather & non-leather goods, sweaters, active wear, and accessories. We have achieved significant growth in China licensing revenues over the past several years in partnership with strong licensees and high-quality manufacturers, and we are planning for increased growth through updates to our men’s fashion lines and expansion into adjacent categories in men’s skincare and grooming, sexual wellness, and women’s fashion, a category where recent launches have been well received.” The men’s market in China is about the same size as the entire population of the United States and European Union combined. Playboy is a leading brand in this market. They are expanding into the women’s market too. Did you know CBD toothpaste is huge in China? China loves CBD products and has hemp fields that dwarf those in the US. If Playboy expands their CBD line China it will be huge. Did you know the gambling money in Macau absolutely puts Las Vegas to shame? Technically, it's illegal on the mainland, but in reality, there is a lot of gambling going on in China. https://www.forbes.com/sites/javierhasse/2020/10/19/magic-johnson-and-uncle-buds-cbd-brand-enter-china-via-tmall-partnership/?sh=271776ca411e “In India, Playboy today has a presence through select apparel licensees and hospitality establishments. Consumer research suggests significant growth opportunities in the territory with Playboy’s brand and categories of focus.” “Playboy Enterprises has announced the expansion of its global consumer products business into India as part of a partnership with Jay Jay Iconic Brands, a leading fashion and lifestyle Company in India.” “The Indian market today is dominated by consumers under the age of 35, who represent more than 65 percent of the country’s total population and are driving India’s significant online shopping growth. The Playboy brand’s core values of playfulness and exploration resonate strongly with the expressed desires of today’s younger millennial consumers. For us, Playboy was the perfect fit.” “The Playboy international portfolio has been flourishing for more than 25 years in several South Asian markets such as China and Japan. In particular, it has strategically targeted the millennial and gen-Z audiences across categories such as apparel, footwear, home textiles, eyewear and watches.” https://www.licenseglobal.com/industry-news/playboy-expands-global-footprint-india It looks like they gave COVID the heisman in terms of net damage sustained: “Although Playboy has not suffered any material adverse consequences to date from the COVID-19 pandemic, the business has been impacted both negatively and positively. The remote working and stay-at-home orders resulted in the closure of the London Playboy Club and retail stores of Playboy’s licensees, decreasing licensing revenues in the second quarter, as well as causing supply chain disruption and less efficient product development thereby slowing the launch of new products. However, these negative impacts were offset by an increase in Yandy’s direct-to-consumer sales, which have benefited in part from overall increases in online retail sales so far during the pandemic.” Looks like the positives are long term (Yandy acquisition) and the negatives are temporary (stay-at-home orders).
https://www.sec.gov/Archives/edgadata/1803914/000110465921006093/tm213766-1_defa14a.htm
This speaks to their ability to maintain a financially solvent company throughout the transition phase to the aforementioned areas. They’d say some fancy shit like “expanded business model to encompass four key revenue streams: Sexual Wellness, Style & Apparel, Gaming & Lifestyle, and Beauty & Grooming.” I hear “we’re just biding our time with these trinkets until those dollar dollar bill y’all markets are fully up and running.” But the truth is these existing revenue streams are profitable, scalable, and rapidly expanding Playboy’s e-commerce segment around the world.
"Even in the face of COVID this year, we've been able to grow EBITDA over 100 percent and revenue over 68 percent, and I expect that to accelerate going into 2021," he said. “Playboy is accelerating its growth in company-owned and branded consumer products in attractive and expanding markets in which it has a proven history of brand affinity and consumer spend.”
Also in the SEC filing, the Time Frame:
“As we detailed in the definitive proxy statement, the SPAC stockholder meeting to vote on the transaction has been set for February 9th, and, subject to stockholder approval and satisfaction of the other closing conditions, we expect to complete the merger and begin trading on NASDAQ under ticker PLBY shortly thereafter,” concluded Kohn.
The Players: Suhail “The Whale” Rizvi (HMFIC), Ben “The Bridge” Kohn (CEO), “lil” Suying Liu & “Big” Dong Liu (Young-gun China gang). I encourage you to look these folks up. The real OG here is Suhail Rizvi. He’s from India originally and Chairman of the Board for the new PLBY company. He was an early investor in Twitter, Square, Facebook and others. His firm, Rizvi Traverse, currently invests in Instacart, Pinterest, Snapchat, Playboy, and SpaceX. Maybe you’ve heard of them. “Rizvi, who owns a sprawling three-home compound in Greenwich, Connecticut, and a 1.65-acre estate in Palm Beach, Florida, near Bill Gates and Michael Bloomberg, moved to Iowa Falls when he was five. His father was a professor of psychology at Iowa. Along with his older brother Ashraf, a hedge fund manager, Rizvi graduated from Wharton business school.” “Suhail Rizvi: the 47-year-old 'unsocial' social media baron: When Twitter goes public in the coming weeks (2013), one of the biggest winners will be a 47-year-old financier who guards his secrecy so zealously that he employs a person to take down his Wikipedia entry and scrub his photos from the internet. In IPO, Twitter seeks to be 'anti-FB'” “Prince Alwaleed bin Talal of Saudi Arabia looks like a big Twitter winner. So do the moneyed clients of Jamie Dimon. But as you’ve-got-to-be-joking wealth washed over Twitter on Thursday — a company that didn’t exist eight years ago was worth $31.7 billion after its first day on the stock market — the non-boldface name of the moment is Suhail R. Rizvi. Mr. Rizvi, 47, runs a private investment company that is the largest outside investor in Twitter with a 15.6 percent stake worth $3.8 billion at the end of trading on Thursday (November, 2013). Using a web of connections in the tech industry and in finance, as well as a hearty dose of good timing, he brought many prominent names in at the ground floor, including the Saudi prince and some of JPMorgan’s wealthiest clients.” https://www.nytimes.com/2013/11/08/technology/at-twitter-working-behind-the-scenes-toward-a-billion-dollar-payday.html Y’all like that Arab money? How about a dude that can call up Saudi Princes and convince them to spend? Funniest shit about I read about him: “Rizvi was able to buy only $100 million in Facebook shortly before its IPO, thus limiting his returns, according to people with knowledge of the matter.” Poor guy :(
He should be fine with the 16 million PLBY shares he's going to have though :)
Shuhail also has experience in the entertainment industry. He’s invested in companies like SESAC, ICM, and Summit Entertainment. He’s got Hollywood connections to blast this stuff post-merger. And he’s at least partially responsible for that whole Twilight thing. I’m team Edward btw.
I really like what Suhail has done so far. He’s lurked in the shadows while Kohn is consolidating the company, trimming the fat, making Playboy profitable, and aiming the ship at modern growing markets.
https://www.reuters.com/article/us-twitter-ipo-rizvi-insight/insight-little-known-hollywood-investor-poised-to-score-with-twitter-ipo-idUSBRE9920VW20131003
Ben “The Bridge” Kohn is an interesting guy. He’s the connection between Rizvi Traverse and Playboy. He’s both CEO of Playboy and was previously Managing Partner at Rizvi Traverse. Ben seems to be the voice of the Playboy-Rizvi partnership, which makes sense with Suhail’s privacy concerns. Kohn said this:
“Today is a very big day for all of us at Playboy and for all our partners globally. I stepped into the CEO role at Playboy in 2017 because I saw the biggest opportunity of my career. Playboy is a brand and platform that could not be replicated today. It has massive global reach, with more than $3B of global consumer spend and products sold in over 180 countries. Our mission – to create a culture where all people can pursue pleasure – is rooted in our 67-year history and creates a clear focus for our business and role we play in people’s lives, providing them with the products, services and experiences that create a lifestyle of pleasure. We are taking this step into the public markets because the committed capital will enable us to accelerate our product development and go-to-market strategies and to more rapidly build our direct to consumer capabilities,” said Ben Kohn, CEO of Playboy.
“Playboy today is a highly profitable commerce business with a total addressable market projected in the trillions of dollars,” Mr. Kohn continued, “We are actively selling into the Sexual Wellness consumer category, projected to be approximately $400 billion in size by 2024, where our recently launched intimacy products have rolled out to more than 10,000 stores at major US retailers in the United States. Combined with our owned & operated ecommerce Sexual Wellness initiatives, the category will contribute more than 40% of our revenue this year. In our Apparel and Beauty categories, our collaborations with high-end fashion brands including Missguided and PacSun are projected to achieve over $50M in retail sales across the US and UK this year, our leading men’s apparel lines in China expanded to nearly 2500 brick and mortar stores and almost 1000 digital stores, and our new men’s and women’s fragrance line recently launched in Europe. In Gaming, our casino-style digital gaming products with Scientific Games and Microgaming continue to see significant global growth. Our product strategy is informed by years of consumer data as we actively expand from a purely licensing model into owning and operating key high-growth product lines focused on driving profitability and consumer lifetime value. We are thrilled about the future of Playboy. Our foundation has been set to drive further growth and margin, and with the committed capital from this transaction and our more than $180M in NOLs, we will take advantage of the opportunity in front of us, building to our goal of $100M of adjusted EBITDA in 2025.”
https://www.businesswire.com/news/home/20201001005404/en/Playboy-to-Become-a-Public-Company
Also, according to their Form 4s, “Big” Dong Liu and “lil” Suying Liu just loaded up with shares last week. These guys are brothers and seem like the Chinese market connection. They are only 32 & 35 years old. I don’t even know what that means, but it's provocative.
https://www.secform4.com/insider-trading/1832415.htm
https://finance.yahoo.com/news/mountain-crest-acquisition-corp-ii-002600994.html
Y’all like that China money?
“Mr. Liu has been the Chief Financial Officer of Dongguan Zhishang Photoelectric Technology Co., Ltd., a regional designer, manufacturer and distributor of LED lights serving commercial customers throughout Southern China since November 2016, at which time he led a syndicate of investments into the firm. Mr. Liu has since overseen the financials of Dongguan Zhishang as well as provided strategic guidance to its board of directors, advising on operational efficiency and cash flow performance. From March 2010 to October 2016, Mr. Liu was the Head of Finance at Feidiao Electrical Group Co., Ltd., a leading Chinese manufacturer of electrical outlets headquartered in Shanghai and with businesses in the greater China region as well as Europe.”
Dr. Suying Liu, Chairman and Chief Executive Officer of Mountain Crest Acquisition Corp., commented, “Playboy is a unique and compelling investment opportunity, with one of the world’s largest and most recognized brands, its proven consumer affinity and spend, and its enormous future growth potential in its four product segments and new and existing geographic regions. I am thrilled to be partnering with Ben and his exceptional team to bring his vision to fruition.”
https://www.businesswire.com/news/home/20201001005404/en/Playboy-to-Become-a-Public-Company
These guys are good. They have a proven track record of success across multiple industries. Connections and money run deep with all of these guys. I don’t think they’re in the game to lose.
I was going to write a couple more paragraphs about why you should have a look at this but really the best thing you can do is read this SEC filing from a couple days ago. It explains the situation in far better detail. Specifically, look to page 137 and read through their strategy. Also, look at their ownership percentages and compensation plans including the stock options and their prices. The financials look great, revenue is up 90% Q3, and it looks like a bright future.
https://www.sec.gov/Archives/edgadata/1803914/000110465921005986/tm2034213-12_defm14a.htm#tSHCF
I’m hesitant to attach this because his position seems short term, but I’m going to with a warning because he does hit on some good points (two are below his link) and he’s got a sizable position in this thing (500k+ on margin, I think). I don’t know this guy but he did look at the same publicly available info and make roughly the same prediction, albeit without the in depth gambling or cannabis mention. You can also search reddit for ‘MCAC’ and very few relevant results come up and none of them even come close to really looking at this thing.
https://docs.google.com/document/d/1gOvAd6lebs452hFlWWbxVjQ3VMsjGBkbJeXRwDwIJfM/edit?usp=sharing
“Also, before you people start making claims that Playboy is a “boomer” company, STOP RIGHT THERE. This is not a good argument. Simply put. The only thing that matters is Playboy’s name recognition, not their archaic business model which doesn’t even exist anymore as they have completely repurposed their business.”
“Imagine not buying $MCAC at a 400M valuation lol. Streetwear department is worth 1B alone imo.”
Considering the ridiculous Chinese growth as a lifestyle brand, he’s not wrong.
Current Cultural Significance and Meme Value: A year ago I wouldn’t have included this section but the events from the last several weeks (even going back to tsla) have proven that a company’s ability to meme and/or gain social network popularity can have an effect. Tik-tok, Snapchat, Twitch, Reddit, Youtube, Facebook, Twitter. They all have Playboy stuff on them. Kids in middle and highschool know what Playboy is but will likely never see or touch one of the magazines in person. They’ll have a Playboy hoodie though. Crazy huh? A lot like GME, PLBY would hugely benefit from meme-value stock interest to drive engagement towards their new business model while also building strategic coffers. This interest may not directly and/or significantly move the stock price but can generate significant interest from larger players who will.
Bull Case: The year is 2025. Playboy is now the world leader pleasure brand. They began by offering Playboy licensed gaming products, including gambling products, direct to consumers through existing names. By 2022, demand has skyrocketed and Playboy has designed and released their own gambling platforms. In 2025, they are also a leading cannabis brand in the United States and Canada with proprietary strains and products geared towards sexual wellness. Cannabis was legalized in the US in 2023 when President Biden got glaucoma but had success with cannabis treatment. He personally pushes for cannabis legalization as he steps out of office after his first term. Playboy has also grown their brand in China and India to multi-billion per year markets. The stock goes up from 11ish to 100ish and everyone makes big gains buying somewhere along the way.
Bear Case: The United States does a complete 180 on marijuana and gambling. President Biden overdoses on marijuana in the Lincoln bedroom when his FDs go tits up and he loses a ton of money in his sports book app after the Fighting Blue Hens narrowly lose the National Championship to Bama. Playboy is unable to expand their cannabis and gambling brands but still does well with their worldwide lifestyle brand. They gain and lose some interest in China and India but the markets are too large to ignore them completely. The stock goes up from 11ish to 13ish and everyone makes 15-20% gains.
TL;DR: Successful technology/e-commerce investment firm took over Playboy to turn it into a porn, online gambling/gaming, sports book, cannabis company, worldwide lifestyle brand that promotes sexual wellness, vetern access, women-ownership, minority-ownership, and “pleasure for all”. Does a successful online team reinventing an antiquated physical copy giant sound familiar? No options yet, shares only for now. $11.38 per share at time of writing. My guess? $20 by the end of February. $50 by EOY. This is not financial advice. I am not qualified to give financial advice. I’m just sayin’ I would personally use a Playboy sports book app while smoking a Playboy strain specific joint and it would be cool if they did that. Do your own research. You’d probably want to start here:
WARNING - POTENTIALLY NSFW - SEXY MODELS AHEAD - no actual nudity though
https://s26.q4cdn.com/895475556/files/doc_presentations/Playboy-Craig-Hallum-Conference-Investor-Presentation-11_17_20-compressed.pdf
Or here:
https://www.mcacquisition.com/investor-relations/default.aspx
Jimmy Chill: “Get into any SPAC at $10 or $11 and you are going to make money.”
STL;DR: Buy MCAC. MCAC > PLBY couple weeks. Rocketship. Moon.
Position: 5000 shares. I will buy short, medium, and long-dated calls once available.
submitted by jeromeBDpowell to SPACs [link] [comments]

Absolute pickme GARBAGE on The Guardian today

"Couples on Surviving Trauma and Loss: Five partners whose love has endured seismic changes, from refugees forced apart by war to a couple left with horrific injuries"
The first two stories in the article are legit: a couple in a terrible car accident and a couple separated by the Sudanese civil war. Then things start going to hell and get worse and worse. All of the things that FDS warns against are here: codependency, gaslighting, lying, cheating, excuse-making, blame shifting, martyrdom. Women continue to be conditioned to accept sub-par treatment by these kinds of narratives. The ladies of FDS refuse to help relationships "survive trauma" that is LITERALLY CREATED BY THE MAN IN THE RELATIONSHIP AND HIS SELFISH AND OVERALL TERRIBLE DECISIONS.

‘I was in prison for 2,192 days; she wrote to me almost daily’

Laure, 58, and Jerry, 62, survived his jail sentence for causing death by dangerous driving. They live in Alabama, and now run a support network for the families of prisoners.
Laure Jerry and I met in 1995 and married four months later. I tell him all the time I would marry him again, but faster. We’d both been married twice before and dating was the last thing I was looking for. But he ticked all the boxes.
I had two daughters and he had one. We moved our family from Tennessee to Alabama, to raise them in the country. We were living the dream. But on 17 March 2003, it was shattered when Jerry caused a head-on car collision which killed a young mother. He had been driving drunk.
I felt rage, betrayal. When we met, we were both recovering alcoholics, so I had only known him sober. Now a life had been lost. I didn’t want him dead, but I wanted him to hurt real bad. We lived in a small town, and I grieved for that family. I felt embarrassment. I had to get to the forgiveness part quickly so I could get through each day.
Jerry spent 10 days in the ICU. He pleaded guilty to manslaughter and was sentenced to six years in prison and 19 on probation. I was scared – emotionally, practically, financially, spiritually. I wanted to stay married but didn’t know how. I didn’t know what you do when someone you love is in prison.
His first year home, we argued all the time. I’d put my hand on his shoulder and he’d push it away
I wrote to him almost every night. I could afford one dollar-a-minute phone call a week and petrol for the 100-mile drive to visit every two weeks. I felt a lot of anger in those first years. I remember burying the cat, crying, saying, “This is a dad job.” I tried to experience the girls’ graduations for both of us.
His first year home, we argued all the time. I’d put my hand on his shoulder and he’d push it away; he was still in survival mode.
We’re grandparents now and enjoy our family immensely. We run a support network for prisoner families, called Extended Family. I started it six months into his sentence.
Jerry will still say, “You stayed with me all those years,” but I don’t think of it that way. I’m not going to make him do the dishes for the rest of our lives. We spent six years without each other; we don’t want to spend another minute apart.
Jerry On our first date, I took Laure and her daughters to see Cinderella at the theatre. When I got home, I wrote “She’s the one” on the back of the programme.
We had a good life. I had a small engineering business, work grew busy, and we moved cities. But I was in a mess. I got into narcotics but hid it from my family. The night of the accident, I had stopped at a liquor store. I was in a blackout. Moments later, a young woman was dead and I was airlifted to hospital. I was shocked, remorseful, disheartened.
My wife has a big and kind heart. I tried to protect her from the police investigation and the likelihood of prison. I didn’t want our girls walking around with the stigma of a dad who had killed someone.
In Alabama, incarceration is uncontested grounds for divorce, but there was never a question of Laure leaving me. On an early prison visit, I told her I wouldn’t blame her if she wanted to leave. She looked at me and said, “I’d be more miserable than I am now.” I’ll never forget it.
I was in prison for 2,192 days and she wrote to me almost daily. There were guys that got nothing. I felt blessed and honoured. She would arrive every two weeks and I would put on a smile. But I pitied myself; I felt useless, unable to provide for my family.
When I came home, I was harsher than before. Meanwhile, this woman I loved had blossomed. I had to adjust. There’s a not a day that I don’t pay for my disastrous decision in some way, shape or form. We worked through the mess I made together, and we’re closer because of it.

‘It was a form of gaslighting. He led a double life’

Keith, 59, and Claire, 57, survived his gambling addiction. They live in Sussex.
Keith Claire and I had known each other in the 80s, and reconnected online 20 years later. Claire was living abroad, and I was on my way to broke. She’d make short trips to the UK, and we’d laugh through days out and long lunches. She was intelligent, full of life; a better person than I was.
I first entered a casino at 16. By 18, I’d borrowed, conned and stolen from everyone I knew. I was an addict. Through adulthood, I’d made and lost small fortunes and entire businesses. I’d play Monopoly for real money, or sit in a room of the club I owned, drinking brandy, snorting as much cocaine as I could.
I wasn’t a constant drug user or gambler. When Claire visited, I’d try to keep it together; but then I’d get desperate and make excuses to go to London for “work”. When she moved to the UK with her three kids in 2009, I’d disappear into a room of the home we shared for days, in a heady state of gambling, drugs and porn, too embarrassed to re-emerge. I had intermittent spells in Gambling Anonymous, but I found it hard to ask for help.
Claire paid for the house and put food on the table. I never stole from her, but I’m still surprised she didn’t walk out. By 2014, I’d had a heart attack and was nursing my mother, who had cancer. I would drive her to the hospital every day, off my tits, bring her home, make her food, then shut myself in another room and gamble online.
I couldn’t see myself in the mirror any more. I wanted to die. On 28 June 2014, I logged on to a website for people seeking affairs and used it for porn. That decision would almost end us: when Claire discovered the website in her search history, she sent me a Dear John letter. The next day, she drove me to residential rehab. The only rule I broke there was asking her to spend one night. I had to save the relationship.
I’ve been clean for six years now; Claire is part of the reason why. People talk about languages of love. For me those are quality time, acts of service. Boy, were there acts of kindness and service from Claire. Without her, I could well be dead.
Claire I was 18, and a poor student, when I first met Keith. He seemed glamorous, exciting, funny, intelligent. He was also a known gambler, but when we reconnected years later, that appeared to be in his past. Yet, with hindsight, nothing about the start of our relationship makes sense.
When I visited, he’d urgently have work or disappear into a room for days at a time. I’d spend hours on edge, struggling to trust him, but he would rationalise his behaviour, omitting huge details, claiming he’d simply drunk too much. It was a form of gaslighting. He led a double life.
When Keith decided on residential rehab, I knew that if I didn’t support him, there was no future
The first time I confronted him, I’d found an empty drugs packet, but he lied his way out of it. I became scared to ask, although we both knew he needed help. When his mother was unwell, he had the perfect alibi. He was an addict but he was responsible – and he took exquisite care of her. I was fearful but I had to get on with life.
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When Keith decided on residential rehab, I knew that if I didn’t support him, there was no future. I didn’t want significant time apart, but when an addict is serious about making changes, you have to put your own needs aside.
The most soul-destroying moment came when I found the affairs website. I had been betrayed by gambling and drugs, but my belief in the purity of our love had kept me going. I wrote to him saying it was over. From rehab, Keith proved to me it was only curiosity (there was no activity on his account), and I was open enough to reconciliation to visit him.
Emotionally, we’re more independent now, although we share bank accounts and he supports us financially. I’ve grown, too. I used to tell friends that Keith felt like an addiction to me. I’d waited years for a stable home life together: eventually, he walked the most difficult path in order to truly change.

‘Friends saw us as the perfect couple, but it was a lie’

Maryam, 31, and Amir, 33, survived his affair. They live in California.
Maryam When Amir had an affair, I had a thousand reasons to leave but looked for the one to stay. Our relationship had started as an affair, too. We had been couple-friends in our previous marriages and used to hang out as a group of four. Then, in February 2017, Amir and his wife broke up and he came on a trip with my husband and me. One night, we were up late, talking, while my husband slept. Amir opened up about his marriage and I began to sense he had feelings for me. I had relationship problems, too, and we started an affair. I ended my marriage.
Over the next 18 months, friends came to see us as the perfect couple. They would comment on how loving our relationship was. But I couldn’t forgive myself for how we’d started, and his divorce was a mess. He spent nights with his ex. I broke up with him several times. Things looked great on the surface but we both carried unresolved pain.
By the end of 2019, I became suspicious of his relationship with a co-worker. She was too intimate at the Christmas party and he was jumpy when she called. Then I found a credit card charge to a cafe, clearly for two people.
I loved him deep down but anger overwhelmed me. He asked over and over for a chance to prove he could change
It took me 10 days to get the full details from him. It had been going on for months and they’d slept together six times. I couldn’t breathe; I felt stupid. Everything that had gone before felt like a lie. I left him.
Amir telephoned non-stop and showed up at my parents’. I loved him deep down but anger overwhelmed me. He asked over and over for a chance to prove he could change. Eventually, I agreed to give him three months. We started individual and couples’ therapy and talked through every detail of our relationship. I couldn’t bear to sleep in the same room as him, but I could look at his face again. I agreed to more time.
I see the consistency and changes Amir has made, his commitment. When I discovered his affair, I was ready to give up on our relationship, but we have both grown. No one knows what the future holds and I have my fears. But, right now, I love the way he loves me.
Amir Maryam was the first time in my life I felt real love. But we were both married and I told myself it couldn’t happen.
As time passed, my ex-wife had an affair and my marriage died. Maryam had problems, too, and I made my feelings known. I admired her looks, the way she thinks. This wasn’t a game that I’d started; it was coming from the bottom of my heart.
I was born in the Middle East, in a war zone. As a child, I experienced sexual and physical abuse at the hands of my teacher, but told no one. The human psyche finds soothing mechanisms to alleviate pain. For me, that was sex.
I was in the most loving relationship with Maryam. The sex was amazing. We bought a house, enjoyed travelling. But the foundations were shaky and I unconsciously sought more.
When I got close to a co-worker, it turned into an affair, starting in May 2019 and lasting several months. It was pure sexual desire. This wasn’t someone I wanted to change the course of my life. We were opportunistic and, in those moments, I became blind to the consequences.
When Maryam found out, I tried to lie. I was naive about how much I was going to hurt her. She wanted nothing to do with me. She blocked my calls and texts, and told our family and friends all the details. Everyone who loved me looked at me as a monster. For the first time in my life, I started to wake up.
I made fixing myself and our relationship my only priority. I promised Maryam she would see a change, and started intense therapy, twice a week. I addressed my childhood trauma and sought support for sex addiction. I realised how much I was willing to do for Maryam.
At the beginning, it was simply about keeping Maryam; but it transformed into strengthening our bond. She has made sacrifices for me, been my guide and love. Every day, I’m more appreciative.
https://www.theguardian.com/lifeandstyle/2021/jan/30/couples-on-surviving-trauma-and-loss
submitted by Sherbert-Trick to FemaleDatingStrategy [link] [comments]

My boyfriend cannot save money and I don't know why

Hi long time lurker on here. I (20f) have been saving since I first got a job when I was 14 and have managed to save quite a good sum, to the point of being able to start looking at buying a house in the next couple of years. My parents (who came to England from another country together) never had money when I was growing up because it all used to go into their business and their mortgage, so I probably picked up some of those habits and I have been blessed that they always taught me about money and talked to me about it.
However my boyfriend (21m) of 2.5 years, who also grew up with no money and in a different country has been working in the UK since he was 18 and yet lives payslip to payslip almost every month and I don't understand how. He did however have a shit childhood with his whole family having some form of money issues.
We work in hospitality and live in staff accommodation together where the rent is dirt cheap so its not that. He doesn't have a car so its not that either. Since we've been together he has only had to send money home once so it can't be that either. We're really quite honest with each other so I don't think he's spending money on anything in particular (like gambling) but I think he probably just spends stuff on random shit and it means his money just dissappears on nothing in particular.
I do love him and I want to have a future with him but how can I do that if I'm able to buy a house and he can't even rub 2 pennies together?
So I guess my question is, what can I do to help him?
I have tried getting him to open another bank account with a linked saving account so that he can physically put his money separately but had issues with the bank (was on the phone to them for about 5hours over 3 phone calls, one of which they hung up on him and the other 2 they said they'll phone back and didn't) and I think he got a bit disheartened. He has no credit score as he has never taken out any credit (luckily) so one current account have refused him and I don't want him to try another just incase they do a hard search and it reflects badly on him.
What else can I try?
Edit:spelling
submitted by popcorncash to UKPersonalFinance [link] [comments]

Lockdown, things to do, help & advice.

Disclaimer I am posting this here because I got a message from the mods asking me to. I'm not from London so links aren't London centric (but hopefully still of help) and the main post is here so any updates will likely be there (I will try here but it's hard to keep up with the amount of suggestions)
Thanks.
Yes, it's hard, it sucks, it's depressing. It is something we all have to do if you want to see this virus go. Everyone knows the deal, too many think they're the exception but no one is. However, staying home is hard so maybe I can help at least one or two people with some incentives. I'll try to give links to some things that can help cure the boredom, and some support if you need it.
Most of this might be obvious to some, some might not even have internet and of course, money is a big issue, so I'll try to give some suggestions:
For streaming and on demand things such as Netflix et al, don't forget you can subscribe for free for your first month. This goes for most things in the list. If you are worried about putting in your payment details and forgetting to cancel a month later, don't worry! You can sign up and immediately cancel and you still get your free month!
For people who don't have a smart TV, you can buy a cheap Amazon Fire TV stick or a Roku box. The Fire stick can go as low as £20 often for 1080p. It will drop to £30 for 4k.
I picked up a 4k Roku device for £18 on Amazon once. It's fast and snappy. currently it's going for £33 for the 4k version. Having both, there is little difference between the devices. NowTV also do their own roku powered device.
Subscription based streaming sites that all offer 2-4 weeks free for first timers
  • Netflix *According to comments the second month is free.
  • Amazon Prime You can either get Amazon video on its own, or take prime with other benefits. I strongly urge those who use Amazon for buying off their store front to use [https://smile.amazon.co.uk/] as there is literally no difference except everything you buy amazon donates to a charity of your choice.
  • Now TV (I believe it's 7 days)
  • Disney+
  • Britbox
  • Amazon channels. I believe you can get all these individually but Amazon offers them as channels bound to your prime account, and they are again either free for a couple weeks (again, take them, cancel instantly) or very cheap. I recently subscribed to Starzplay for £1 for 3 months. It has some good shows on it like Fringe, doom patrol. It also has channels like Curiosity stream and shudder
If you have not subscribed to the any of the above, you can get a few months of free TV by signing up and cancelling instantly. I suggest waiting at least 5 minutes just to let it go through the system.
Some tips for Now TV. IF you already have a subscription, I've noticed you can get it cheaper by cancelling. When you cancel they will beg you to stay. Select "I can not afford it this month" and they should beg again, telling you what shows they have. If you say you still want to cancel, they'll beg one last time and offer you the subscription for cheaper. This won't work every month, but I've noticed they'll always offer it the first time, then again after a couple months. If you're subscribed to both films and entertainment do the most expensive one as it may not work both times (but it might!). You can also pick up passes from storefronts a lot cheaper sometimes, before I could pick one up on Amazon for £3 but, they seem to have cracked down on it. If you shop around (or if anyone knows of a legitimate store please let me know) you might be able to pick it up cheaper. Lastly, check their website and under your account they should have an "offers for you" section.
Completely free TV
If you do have a smart TV and/or device, there are some good free streaming apps. One I really love is called PlutoTV. I know this is on both Roku and the fire stick, as well as Ps4/Ps5 and xbox.
Pluto offers a bunch of live channels and now an on demand section, all for free. It has adverts but they are actually short (shorter than regular TV and fewer of them). Some of the channels are just streaming certain shows like Mythbusters 24/7 or Dog the bounty hunter, but it has a lot of old movie channels as well as 24/7 kickboxing and MMA. It also has a 24/7 poker channel I quite like.
Another one I like is Rakuten Viki however, I haven't watched it for a while as my fire stick is only 1080p and I have too many other devices attached. I believe it is on Roku but you have to jump through some hoops and have an account. The last I checked on the fire stick you did not. Viki offers a metric ton of Asian shows, mainly from Japan and South Korea but it does have chinese, Malaysian etc. It has subtitles. Some Japanese shows are hysterical, albeit weird.
Roku also do their own channels with free shows if you own a device.
For those who don't have a smart TV or a Streaming device, you can set up your own computer as a dedicated streaming device with Plex. It's been a while since I used it but I believe it now also offers free movies and TV.
Anime
If you are into Anime there is
The first 2 are free to watch, or offer premium without ads which you can have a trial with. Crunchyroll is the better of the two with more original choice for Japanese voice and subs, while Funimation has more Dubs. I don't believe HiDive is free to watch but you do get a 2 week trial. These are more exclusives than the previous two.
PC Centric software
If you are a gamer or like Audiobooks or anything that uses computers for things like music making, programming or graphic design
Humble Bundle offers, as per the name, bundles. A long running site that got bought out by IGN. It offers both single items and bundles you can buy individually/as a pack while also offering a separate monthly subscription for around £8-9. The subscription gives you 12 games on average per month. That's the simplest explanation but it changes somewhat as sometimes you get to pick 10 out of 14 games, or get all 12.
Humble bundle offers more than just games though. Every Tuesday they bring a new bundle of games, while Thursday (I "think) a new bundle of books. They very often have books from the Black Library giving you a ton of Warhammer books. Sometimes it's standard E-books, other times it's audiobooks. A few times a year they do bundles for graphic design, a typical bundle would include programs like Paintshop Pro Corel Painter etc, They usually go for £0.76 for tier 1 up to around £18 for tier 3, which would include 4-6 full titles with 10+ addons. They also often have Music making bundles or video editing software as well as Programming or video game development.
The bundles change often, they usually have around 11 bundles at a time that last for 20 days. Sometimes it's trash but they do often have some very good deals.
Fanatical offers the same as humble bundle except usually not as high quality, but sometimes they do have some incredible deals, and they are very very cheap.
Both humble and fanatical are safe, trusted and been around a long time, and they are NOT grey market key sites. They work with the publishers and developers. You can buy games both old and new for a lot cheaper than you would most other places. Unless it states otherwise, keys are usually for steam.
**BOTH HB and Fanatical (HB much more common) offer free games fairly often. The catch is linking your steam account to them (at least HB). It is safe however.
IndieGala is another site like above. Except, these are much much lower quality. However, they offer a metric ton of free games. Quality is low but it is legitimate, and a lot of free stuff.
Game Store Fronts
  • Steam This one is so obvious I didn't add it, but apparently many want me to. It is the best out there, and you can find almost everything, with fantastic deals.
  • Greenmangaming offers games cheaply. Again, not a grey market site (which are legal but unethical) and they sometimes do bundles.
  • GoG (Good old games) is a DRM free site run by CDPR, the makers of the Witcher 3 and Cyberpunk. They offer you games quite cheap and not needing DRM (such as Steam, Uplay etc which is less invasive versions of dodgy DRM from the olden days).
  • Epic Games Despite the controversy whether you care about their rivalry with valve, they offer free games ever week. Without ever having bought anything I have gained over 170 games. literally. Good games for the most part. They often give you £10 coupons as well.
  • Twitch Everyone knows twitch, but if you don't, it's a streaming service for watching gamers and girls with low cut tops accidentally bending over in front of the game. However, if you're signed up to prime, you get free games each month (and randomly between the set bunch).
  • Playstation Store Currently has January sales. Currently the free games for PS+ are for PS4: Shadow of the Tomb Raider and Greedfall. For the Ps5 it is Maneater
  • Games with Gold Bleed 2 and the King of Fighters XIII is available until Janurary 15th whilst little Nightmares is available until January 31st.
Gaming Subscriptions
Like the TV versions, you can sign up to these for a free trial (or very cheap). If you do sign up to only one at a time, it should keep you busy for a few months
  • Xbox Game Pass You can do this on both/either an Xbox or PC. If you sign up to the regular one, you can get a month (maybe three!) for £1. After you have done that, you can sign up to the premium version for 3 months at £1 a month. Most people know game pass, but you can download a large selection of games for free. The premium version gives you games with gold, allowing you to keep the games forever (but can only play with a subscription)
  • Ubisoft+ I'm not 100% sure if you get a trial or not. This allows a large collection of Ubisoft titles to play for £12.99 a month. Quite expensive but good if you like Ubisoft titles I guess.
  • EA Play EA's version. Goes by a ton of names I think, EA Access, EA Play, Origin Access etc etc. There's a couple of versions of this, and it is across all platforms (PS4/5, Xbox, PC) but not sure about the switch. I "think" the premium allows you to play on all platforms, while the cheaper one on a single platform, but I may be mistaken.
  • PS Now a once terrible service that is now actually very good. Allows you to download some Ps4 games to your PS4/5 and lets you stream a massive amount of Ps2/3/4 to your PC or playstation.
There's more like nvidia's service but you need the Shield device which is quite expensive. I'll leave it at that.
Audiobooks & Ebooks
  • Audible Not sure what the current deal is but if you are a prime member you can sign up for a trial and get a free Audiobook each month for 3 months. Some warhammer books are 48 hours long, 3 of those gives you a good 100+ hours of listening!
  • Comixology Another Amazon company, but lets you download some free comics I believe.
  • Marvel Unlimited No experience with this. ItFuckingWont wanted me to add it. A subscription service for Marvel.
Education
  • Sign Language BSL here No experience myself, suggested by n21brown and asked for a few times. Didn't know SL was so popular! Listed as "Pay what you can"
  • BBC's Bitesize here is apparently good for home learning. Again, no personal experience.
If you need some spare change
Okay, I don't generally bother with it, but maybe some of this could be useful to you. These are NOT a quick way to make a fortune. These are small things you can do over time for a bit of pocket change
  • If you have prime you can get a FREE FIVE POUND GIFT CARD by literally just streaming a song from Amazon music (which is included in prime) here is the details According to the comments it's only for select people, but it's worth trying If the link doesn't work for you just google "Amazon £5 coupon music"
  • Now, these sorts of sites have been around for years, I haven't used any other than talkInsights which I must have signed up to 10-15 years ago. Basically they send you surveys and you answer them. They are confidential and don't ask for personal details in the survey. You need 2000 points and you get £20. During the pandemic they've slowed down but I probably get around £40 a year. Not much I know, but it's an email followed by a quick survey ticking boxes. Depending on your answer sometimes you get screened out, I'm not telling you to lie but just be consistent with your answers and you should be able to work out how to not get screened. Some emails are only worth 20 points, others 200. It's slow to get to the 2000 but very quick to just answer a few questions.
  • Apparently beermoneyuk is a good sub to make some pocket change with.
  • There is also matched betting. I have never done this, I don't have the patience but from what I've read, it's legitimate, it works and you can make a fair amount of cash from it so long as you do it correctly, and there's a ton of guides. I mention this because people stuck at home could get into it and as long as you're careful (I.E not entering in the wrong numbers) it's risk free AND it pisses off the betting shops. It seems people in comments have had success with it. Disclaimer A couple have complained about gambling. This arguably is not gambling. If you are susceptible to addiction do not do it. However, it's argued that there is no fun or buzz in this, and it's a very tedious and time consuming thing. Others argue you can't make the same money anymore (People were making thousands, now only hundreds if that). It's risk free providing you know what you're doing, the risks are user error, such as entering the wrong numbers. Someone pointed out that due to the lockdown, bets could potentially be cancelled due to sport stopping. So use on a side of caution. We're (mainly) adults so I'll leave it up just because this doesn't have the excitement of regular gambling.
  • Microsoft Rewards This is an easy way to make pocket change doing very little. Most people have a MS account. The rewards program offers you numerous ways to grab points, by playing free to play games, answering small questions (you don't even need to answer most of the time, just open the link and shut it) and by using bing and searching on it. I've gotten 20k points JUST by answering questions over a couple months. There are many rewards but you can grab a £5 gift card for 6k for example, or a month of game pass (and AFAIK you can make points playing the games)
  • Google rewards Someone mentioned this in the comments. I have not used it, so can not give any input on it. Sounds similar to TalkInsights which I linked. Google states "Complete short surveys while standing in line, or waiting for a subway. Get rewarded with Google Play or PayPal credit for each one you complete. Topics include everything from opinion polls, to hotel reviews, to merchant satisfaction surveys. We’ll notify you when a survey is waiting."
That's it for now. I will try to update as I go along. A long post but I hope that it can help some of you with finding something good to do that's free, cheap or a bargain. I do suggest getting prime, especially since you get free music, free delivery, free TV and music and free video games each month. In fact, there's a ton of perks and I feel I've gotten way over the cost investment.
Hope it helps someone at least
PartTimeCrazy said if you bought an Apple product you get 3 free months of Apple Arcade and Apple TV free for a year
fakehunted is upset I didn't mention wanking. Tesco have 225 sheets of Tissue for £0.75!
tale_lost suggested Project Gutenberg for a collection of free E-Books
Learning Language
Unfortunately, I don't have time to check every link listed so I will link the comments:
Togtogtog Gives a lot of links for Spanish
Board & Tabletop games
Corporal_Anaesthetic has made a list of Board games
ilyemco suggested these
HEALTH
I'm not a doctor! But if you're a smoker, something I strongly suggest is to quit. I struggled for years but in the first lockdown I quit, technically. I haven't had a cigarette since, however, I do that silly thing millennials do. I vape, but, it made quitting extremely easy. I would not have been able to do it if it wasn't for 88Vape They sell extremely cheap liquids at £1 each. You can find these in B&M but you can pick up 25 for £20 or buy your own mix.
Vitamin D deficiency has been said to be a big problem for the virus. I'd suggest (again, not a doctor!) that you pick some up. Tesco do a 3 for 2 deal. So you can pick up 270 tablets for £7.
If you are vulnerable you MIGHT be able to phone tesco and get put on their delivery saver list (currently it's paused but phoning may help. At the very least they might give you a priority slot. I did this for my mum, we didn't shop at Tesco but I phoned for her, and they put her on with no hassle, so she can always get a delivery.
HELP & ADVICE
The lockdown Rules.
Reasons to leave home include:
  • Work or volunteering where it is "unreasonable" to work from home. This includes work in someone else's home, such as that carried out by social workers, nannies, cleaners and tradespeople
  • Education, training, childcare and medical appointments and emergencies
  • Exercise outdoors (limited to once a day). This includes meeting one other person from another household in an open public space to exercise
  • Shopping for essentials such as food and medicine
  • Communal religious worship
  • Meeting your support or childcare bubble. Children can also move between separated parents Activities related to moving house
I want to add, if you are in danger you are also allowed (and must!) to get away from the situation for some reason, BBC seems to have missed this very important thing (or I am blind)
Support
FOR THOSE SHIELDING YOU CAN CONTACT THE ROYAL VOLUNTARY SERVICE. These people helped my mother with picking up her medicine from the chemist. They were very helpful and went out their way to keep in touch and do it immediately. (It's the only experience I have with them though)
_riotingpacifist wanted this links added, but I simply just don't have the time to vet and check all the suggestions here, so I will link as is:
Update:
Digital Art
These are Free
  • Krita Arguably the best in my opinion. It has a load of options, brushes and a decent UI. It works fantastic with a tablet.
  • Gimp This is a decent program but last I used, the UI was a pain, and it isn't so user friendly while misses features, but it works, and it is possible to do some incredible creations on it.
  • Medibang Paint This is slightly geared towards Comics and Manga. I really enjoy using this with my drawing Tablet. As far as I know, it also for regular tablets for Android/Ipad and is free.
You can pick up a drawing tablet on Amazon quite cheap these days! Small ones that are just a black slate such as the wacom ones are good but takes some practice to get use to, but very worth it if you can't afford a dedicated drawing tablet with a screen.
Office suit software
A couple of free applications for word processing, spreadsheets etc.
  • LibreOffice This has most the average user would need to write their own books or to work from home. There's not a huge amount of difference between the two I'm linking (since I last used anyway) so it's more for preference.
  • Open Office You can pick this up here and again, like above it's just preference.
Music Making
I'm going to direct to matthewharris806 for some links as all the programs I've used like Reason are expensive, or cheaper stuff in bundles such as Magix software.
Games development
D_Dad_Default gives some links for that here
submitted by MrSoapbox to london [link] [comments]

r/CoronavirusDownunder random daily discussion thread - 05 February, 2021

CoronavirusDownunder random daily discussion thread - 05 February, 2021

VIC presser: 9:30am

You can watch the presser here closer to the time: The Age | ABC Melbourne Facebook | 9news live | ABC News - YouTube
https://preview.redd.it/o72coovs3jf61.jpg?width=676&format=pjpg&auto=webp&s=a28436cac0375bf8900faef8b9258e6e3dfc0d80

WA presser: TBA


🇦🇺 - National COVID-19 update as of 4th Feb 2021

https://preview.redd.it/frhtcisc3gf61.png?width=1036&format=png&auto=webp&s=b7f9311889269d3efc810885615267cac3dd05b0

🌎 Other news

Feel free to talk about the COVID-19 situation in any country within this post and/or anything else you like as long as it is within the rules.

Type Submission
Australia Australia puts 500 tennis players, staff into coronavirus isolation
More than 500 Australian Open players and staff go into isolation after a hotel worker tests positive for Covid-19
Vaccines More people now vaccinated against Covid-19 than infected worldwide, data shows
COVAX announces plan to distribute more than 330 million Covid-19 vaccine doses to developing nations
Asia 🇮🇷 - First batch of Russian COVID-19 vaccine arrives in Iran
🇮🇳 - India government says 21.5% of population may have caught COVID-19 - survey
🇨🇳 - China lodges complaint with BBC over Covid-19 coverage
🇹🇼 - Taiwan says to get share of 1.3 million vaccines via COVAX
🇹🇭 - Thailand to get COVID-19 vaccine from Asia after EU export control, minister says
🇮🇱 - Israel Set to Exit COVID Lockdown With No Game Plan, Gambling on Vaccination Success
🇯🇵 - Japan finds new coronavirus variant in travellers from Brazil
🇮🇳 - Kerala becomes second worst Covid-19-hit state; accounts for 44% of total active cases in the country
🇵🇸 - Palestinians to receive 10,000 doses of Russian vaccine Thursday
🇰🇷 - South Korean PM vows to revamp Covid-19 social distancing rules to address public discontent
🇰🇼 - Kuwait bans non-citizen entry for two weeks amid COVID spike
🇰🇵 - North Korea to receive nearly 2 million AstraZeneca vaccine doses in H1 - interim report
🇬🇧 - Covid hotel quarantine 'to start on 15 February'
Europe 🇬🇧 - UK urged to extend EU settled status scheme amid coronavirus
🇫🇷 - France registers four cases of Brazilian coronavirus variant, says minister
🇩🇰 🇳🇴 - Denmark and Norway join European nations recommending against AstraZeneca vaccine for older people
🇸🇪🇩🇰 - Sweden, Denmark to develop digital vaccine 'passports'
🇺🇦 - Half of Ukrainians not willing to be vaccinated - PM
🇬🇧 - UK Government To Trial ‘Mix-And-Match’ COVID-19 Vaccines
🇮🇪 - No ‘dramatic change’ to Northern Ireland Protocol following EU-UK vaccine dispute – Irish foreign minister
🇵🇹 - Portugal vaccine rollout gets new chief after unsteady start
🇬🇧 - About 4,000 Covid variants across world, says UK minister
🇬🇧 - Coronavirus: Hotels 'yet to hear anything' on quarantine plan
🇮🇪 - Ireland is ‘in for the long haul’ in fight against Covid-19
🏴󠁧󠁢󠁳󠁣󠁴󠁿 - Scotland: How many people have been vaccinated?
🇳🇴 - Norway will not offer AstraZeneca COVID-19 vaccine to people over 65
🇪🇺 - Europe’s Vaccine Rollout Has Descended Into Chaos
Ameircas 🇨🇺 - Cuba declares curfew in Havana as COVID-19 surges
🇵🇹 - ‘Please send more vaccines’: California county is overwhelmed as cases rise
🇺🇸 - Nearly a year into the pandemic, grocery workers in Texas are more fatigued than ever as they await vaccine access
🇲🇽 - The Latest: Mexico sees near-record daily coronavirus deaths
🇨🇦 - COVID-19 outbreaks more common in for-profit senior residences in B.C.
Africas African nations fear more Covid deaths before vaccination begins
Sixteen African nations show interest in AU vaccine plan

Some numbers around the world 🌏️

🇹🇼 - TAIWAN:
  • +2 (total cases: 919).
  • +1 (total deaths: 9).

🇭🇰 - HONG KONG:
  • +22 (total cases: 10,553).
  • +0 (total deaths: 185).

🇳🇵 - NEPAL:
  • +171 (total cases: 271,602).
  • +2 (total deaths: 2,033).

🇰🇷 - SOUTH KOREA:
  • +451 (total cases: 79,762).
  • +7 (total deaths: 1,448).

🇯🇵 - JAPAN:
  • +2,593 (total cases: 396,429).
  • +108 (total deaths: 6,020).

🇨🇦 - CANADA (as of 03/01):
  • +3,231 (total cases: 789,651).
  • +142 (total deaths: 20,355).

🇲🇾 - MALAYSIA:
  • +4,571 (total cases: 231,483).
  • +17 (total deaths: 826).

🇵🇱 - POLAND:
  • +6,496 (total cases: 1,533,511).
  • +444 (total deaths: 38,344).

🇵🇹 - PORTUGAL:
  • +7,914 (total cases: 748,858).
  • +225 (total deaths: 13,482).

🇨🇿 - CZECHIA:
  • +9,567 (total cases: 1,013,352).
  • +68 (total deaths: 16,826).

🇮🇩 - INDONESIA:
  • +11,434 (total cases: 1,123,105).
  • +231 (total deaths: 31,001).

🇬🇧 - UK:
  • +20,634 (total cases: 3,892,459).
  • +915 (total deaths: 110,250).

🇪🇸 - SPAIN:
  • +29,960 (total cases: 2,943,349).
  • +432 (total deaths: 60,802).

🇺🇸 - USA (as of 03/01):
  • +116,960 (total cases: 27,150,457).
  • +3,685 (total deaths: 461,930).
  • Positivity rate: 8.1% (-0.3).
  • -1,440 (total hospitalisations: 91,440).
  • -241 (total ICU admissions: 18,147).
  • Vaccinated:
    • 1st dose: 28.2M (+830K)
    • 2nd dose: 6.8M (+450K)

Our daily update is published. States reported 1.4 million tests, 117k cases, 91,440 currently hospitalized, and 3,685 deaths.
We have seen the 7-day average for new deaths decrease for over a week. At the same time, states are reporting an average of 3,000 people dying per day. The data is hopeful and devastating.

https://preview.redd.it/0h3053yhmif61.jpg?width=2434&format=pjpg&auto=webp&s=a9879100783b02af1c5ea44431f6a9956a0ced70
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submitted by Stoaticor to CoronavirusDownunder [link] [comments]

Martin Samuel On Trippier Ban

Lump on. That is what the Football Association would like you to believe Kieran Trippier told his friends shortly before his move to Atletico Madrid. It implies a ring, a sting and big, big rewards, hence his 10-week ban. It was nothing of the sort.
Transcripts reveal a more earthbound reality. The circle trying to win a few quid, the player trying to be a pal. One of Trippier's mates asks if he should 'lump on' — the first time the phrase is used — and gets the reply: 'Can do mate.' Later, pressed, Trippier adopts the same turn of phrase. 'Lump on if you want mate,' he advises. It is the tamest of endorsements.
Yet, as the friends swiftly discover, lumping on really isn't an option. Bookmakers don't want anyone lumping on a transfer bet because the only person who would enter such an unpredictable market with cash and confidence is in the know. Nobody is betting big money on a hunch.
So it's a win-win. If the move collapses the bookmakers keep the cash, and if it delivers they have the safety net of football's governing body to do their dirty work, if betting patterns indicate prior knowledge. So one of Trippier's friends had his stake 'massively restricted', and another got £300 on, but only at odds of 1-6, giving bookmakers a liability of £50 and a red flashing light.
Some of the other bets were laughable: £8.75 at 1-2, liability £4.37; £20 at 1-2, liability £10; £20 at 1-3, liability £6.66; £25 at 8-13, liability £15.38. The biggest bets were undermined by short odds: £100 at 5-6, liability £83.33; £120 at 5-6, liability £100. Another bet of £300 at 4-11 gave the winner £109.09, while £80.34 was wagered at 3-10, a return of £24.10.
The significant numbers here are not being made off book-makers. 'Levy just wants £500,000 more,' Trippier told his acolytes at one stage. According to FA evidence, the fee was finally agreed with Tottenham for £25m, which rather puts that £4.37 into perspective, or even the big hit, £109.09. As does the £482m Denise Coates was paid as chief executive of Bet365 across two years between 2017 and 2019.
And, yes, it's the principle that counts, not the profit. Trippier should not have been sharing privileged information with people he must have reasonably assumed were using it for gambling purposes.
Yet, why, exactly? This isn't a match. He isn't affecting the outcome and therefore the integrity of a competition. Bookmakers have chosen to make a market on his life, and in doing so have placed him in jeopardy.
Who makes significant career decisions without discussing it with family or friends, without taking counsel, or offering progress reports? Trippier did not ask for this book to be opened, and receives no revenue from it. Maybe that is what should change.
The only way these bans and fines would be fair is if book-makers had to seek permission from the individuals involved, who would receive a cut of the revenue as part of their image rights. Then, if a player was found to be manipulating the market, or offering the inside track, it would be fraud and he could be penalised accordingly.
This is just the FA acting as bookies' muscle. If they didn't pursue cases against players such as Trippier and Daniel Sturridge, the gambling houses would soon tire of losing and the problem would go away. It is the FA that facilitates this by acting as enforcer — as if the grubby charade is any of their business.
This is now being tested. Atletico Madrid have challenged the ban which is suspended, pending appeal. The club will go to FIFA and then the Court of Arbitration for Sport if unsuccessful.
Their case is simple. They bought a player. They had nothing to do with a betting scandal that took place when he was still under contract to Spurs, or a punishment handed down from a different country. Had Trippier served it as administered, he would have missed 13 Atletico matches including the home Champions League fixture with Chelsea. As he would not even be allowed inside the training ground before March 1 — or to attend a game — his place in the Madrid derby scheduled for March 7 would have been in jeopardy, too.
And this is a huge season for Atletico. They top the table with a two-point lead and games in hand on Spain's big two. They could win LaLiga for only the second time since 1996 — and Trippier is their first-choice right back.
Certainly, it did not escape Atletico's attention that his ban did not impinge on any international fixtures, leaving the FA and English football unscathed. Atletico protested and FIFA listened. It could mean, if the punishment is delayed but upheld, that Trippier misses the European Championship. That leaked this week as if the FA were trying to put the frighteners on.
Yet, so what? It's their trumped-up ban. Given the friend-of-the-right-back's-cousin's-best-mate's-cleaning-lady source of transfer gossip is such a familiar trope, how preposterous is it that the FA make passing information a crime? Equally, why are they prioritising protecting the sanctity of an artificial betting market created to separate mugs from their money?
Unless some mug knows somebody, of course. Then, they'll refuse to pay, turn the source over to the beaks, and the FA will prosecute as if they've cracked the crime of the century. Strange, isn't it, that they're so fascinated by £4.37 — but rarely with the part where the real money gets made?
link if you want give click to the dm
submitted by jl45 to soccer [link] [comments]

PANDEMIC UPDATE - 26 January 2021

UPDATE – 26 January 2021
COVID has been in Canada for one year now.
The strange case of the CEO in disguise to get vaccine for himself.
COVID-19 tax tips.
COVID-19 and the world of work – the International Labor Organization.
A breakdown of cases among healthcare workers.

If you’re having trouble regulating life while working from home, the fake commute might be for you, have a look: https://www.cnn.com/2021/01/18/success/fake-commute-meaning-benefits-pandemic-wellness/index.html
“For the many who have been doing your part, you may be asking, what more can I do? Be the voice of support and encouragement for those who may be wavering in their resolve.” – Dr. Bonnie Henry.
Feel free to share this post, or copy and paste, in whole or any part of it.

LOCAL:
· 82 cases among New West residents in the previous week.
· No new school exposures in New Westminster since that of the Queensborough Middle School on January 11th.
· Current outbreaks: Royal City Manor, declared Jan 21; Royal Columbian Hospital, declared Jan 20.
· The Rio Theatre in Vancouver has converted into a sports bar.
· The theatre is dealing with a full closure of movie theatres. But as restaurants and bars can remain open with safety protocols, the theatre is seeking other ways to do business. The move does show that the Rio cannot do business as a theatre right now, but can meet the safety requirements to operate as a sports bar.
· There are differences though. The theatre has to actually meet the requirements for a bar, such as taking orders from people’s seats rather than allowing a line-up at the concession.
· The move has stirred controversy, with some decrying the Rio as finding a loophole while the basic lay-out is still that of a theatre, with narrow entryways and tiny washrooms. Others welcome the move as innovative, a way for a theatre to survive during the closure.
Sources: CBC, Global News, Fraser Health

PROVINCIAL:
· The strange case of the CEO in disguise.
· Vancouver couple Rod and Ekaterina Baker were fined $575 after sneaking into the Yukon to try to get the vaccine for themselves.
· The couple posed as local motel workers.
· The clinic at Beaver Creek normally has one nurse and a receptionist, but a team of six was flown in to do vaccinations. Beaver Creek was chosen because “of its remoteness, elderly and population, and limited access to health care,” said Chief Angela Demit of the White River First Nation in Beaver Creek.
· The story of the wealthy executive trying to get vaccine intended for remote elderly First Nations people has not gone over well.
· Rod Baker is the Chief Executive Officer of Great Canadian Gaming, since 2011, where he earns $900,000 per year as salary, but last year also made $45.9 million from company stock options.. The company announced his resignation yesterday. The gambling company cited it’s “core values.” Ekaterina Baker is an actor, but not apparently a good enough one to fool Yukon officials. The couple chartered a flight to the Yukon.
· “We had not been imagining that someone would go to this length to mislead or deceive.” John Streicker, Yukon’s Minister of Community Services.
· The manager of the 1202 Motor Inn, where the couple claimed to work, was also rather upset. “That’s a risk (serving travellers) that we take – not a risk that somebody enforces upon us because they are too ignorant.” Staff at the Beaver Creek clinic found the couple suspicious, and phoned the motel to check on their story. While at the clinic and pretending to live and work in town, the couple rather oddly asked if anyone could drive them to the airport afterwards.
· Story from the Globe and Mail: https://www.theglobeandmail.com/canada/article-great-canadian-gaming-ceo-resigns-after-being-charged-in-yukon-ove?utm_medium=email&utm_source=Coronavirus%20Update&utm_content=2021-1-25_19&utm_term=Coronavirus%20Update:%20Great%20Canadian%20Gaming%20CEO%20resigns%20after%20alleged%20botched%20disguise%20as%20Yukon%20motel%20worker%20in%20attempt%20to%20get%20COVID-19%20vaccine&utm_campaign=newsletter&cu_id=czq7hF%2BueFDcmmCKozRUQ1bduJl6paGe
· Ekaterina Baker is known for acting in productions such as Chick Fight, Fatman, The Asset, and The Comeback Trail, and as producer of Big Gold Brick.
· IMDB page: https://www.imdb.com/name/nm9698063/
· BC has adopted a four phase vaccination plan.
· Phase 1, December to February: Residents, staff, essential visitors with long-term care and assisted living; people waiting for long-term care; people in remote Indigenous communities and hospital workers caring for patients with COVID-19.
· Phase 2, February to March: Seniors over 80; Indigenous seniors over 65, Indigenous elders; more health-care workers; vulnerable populations and nursing-home staff.
· Phase 3, April to June: Members of the general public aged 60 to 79.
· Phase 4, July to September: Members of the general public aged 18 to 59.
· Premier John Horgan says the plan is based on those who get most sick, and those most likely to die, so priority goes to the elderly and vulnerable, and those who work around them.
· The Premier said multiple groups argued that they were front-line workers and so should get priority. But with vaccine supply limited, it didn’t seem to make sense to vaccinate people on the basis of their job, like being a front-line worker, ahead people ahead of seniors or those more likely to be hospitalized or to die. Health care workers are not only the most likely to be exposed, but they also work with and have direct contact with patients and the vulnerable.
· Here is a good article with the numbers and the rationale behind the priorities: https://www.newwestrecord.ca/local-news/opinion-elderly-should-get-covid-19-vaccine-before-bc-teachers-3291898
· The dates might vary, depending on supply.
· Covid cases in BC have plateaued to an average of 500 per day.
· Dr. Bonnie Henry said that the number is still dangerously high. “For the last few weeks, we have plateaued at 500 new cases. This is too many. We are at a precipice. The virus continues to circulate in our communities. We are at the threshold of where we were in late October and November when cases started to rise.”
· “Over the next two week, I believe we can bend our curve. Not just plateau, but bend it back down…. More than you’ve done before, stay home, stop social interactions.”
· B.C. will receive no new doses of vaccine over the next two weeks. It is not sure how much will be received in February.
· Over the past three days – Saturday, Sunday, Monday:
· 1,344 new cases. 618 of those in Fraser Health. 527 reported on Saturday, 472 on Sunday, 346 on Monday. 64,828 cases to date.
· 26 new deaths. 1,154 total.
· 4,392 active cases.
· 57,831 recovered.
· 11 outbreaks in long-term care declared over.
· 6 cases of the UK variant in BC, 3 cases of the South Africa variant. No community transmission of the UK variant, but the South Africa variant cases are not connected to travel and are being investigated. Dr. Henry: “I’m very concerned. I’m concerned that if those variants start to spread, it’s just going to make our job that much more difficult.”
· 119,850 doses of vaccine administered to date.
· New numbers for Tuesday:
· 14 new deaths. 1,168 total.
· 407 new cases. 65,234 total. (Comparison: a high of 911 cases happened for Nov 27).
· 313 hospitalized, 71 in intensive care. (A high of 381 were hospitalized on January 6th).
· 4,260 active cases.
· 6,450 in self-isolation.
· 58,352 recovered.
· 122,359 doses of vaccine administered to date. 4,105 are second doses.
· No new outbreaks, one outbreak declared over.
· Dr. Bonnie Henry: “For the many who have been doing your part, you may be asking, what more can I do? Be the voice of support and encouragement for those who may be wavering in their resolve.”
· New restriction may be necessary if the number begins to climb again.
· 4,850 cases among health care workers, from January 2020 to 15 January 2021. About 8% of cases.
· From January to December 17th 2020, care aides had the highest number of cases among healthcare workers at 1,193 or 24.6%. Nurses were second at 833 or 17.2%. Below are the ten highest number of cases by healthcare worker category.
· 1,193 – care aids.
· 833 – nurse.
· 304 – licensed practical nurse.
· 280 – administration.
· 177 – housekeeping.
· 156 – dental professional.
· 151 – physician.
· 149 – kitchen staff, dietary aid, food services.
· 91 – occupational therapist, physiotherapist, respiratory therapist.
· 75 – student.
· The document is here: http://www.bccdc.ca/Health-Info-Site/Documents/COVID_sitrep/COVID19_healthcare_workers_2021_01_15.pdf
· BC has has opened 3 clinics for people with longer term Covid symptoms.
· Located at St. Paul’s Hospital, Vancouver General, and the Outpatient Care and Surgery Centre in Surrey.
· Some people still have symptoms months after the start of the disease. Of patients who were hospitalized in BC, after three months half still had breathing issues. About 20% have permanent lung scarring.
· The St. Paul’s clinic already has 160 patients.
· Nanaimo Regional Hospital has had an outbreak.
· Two staff and a patient tested positive.
· Limited to the 4th Floor on the east wing.
· A homeless shelter in Surrey has had an outbreak.
· 2 staff and 24 clients test positive.
· The Surrey Emergency Response Centre was set up to make more shelter available to homeless people during the pandemic.
Sources: CBC, New Westminster Record, Globe and Mail, BC Centre for Disease Control.

NATIONAL:
· Worked from home during Covid-19? Be sure to check out these tax tips: https://www.cbc.ca/news/canada/ottawa/accountants-break-down-tips-for-working-from-home-expenses-1.5872477
· Covid has been in Canada for one year now, starting back on the 25th of January, 2020, with one case in Toronto.
· Long-terms care homes are particularly hard hit, and it continues to be so that care homes are getting outbreaks.
· From the CBC, “What we’re seeing in the long-term care facilities just demonstrates, unfortunately, years and years of neglect.” https://www.cbc.ca/news/canada/toronto/covid-19-ontario-canada-first-case-one-year-1.5884630
· In those early days, the public was generally told in Canada that the risk was low, and that people should not wear masks, and emphasized into March that there was no community spread.
· In late February, community transmission was evidenced in the U.S., and people returning to Canada from the U.S. began to show Covid. The halt to non-essential travel, on the land border, came on March 20.
· Canada is considering more travel restrictions, says the Canadian government.
· 143 flights have arrived in Canada in past two weeks with confirmed Covid cases. Deputy Prime Minister Freeland has assured, “We are considering the issue very, very seriously.”
· In this story, you can see where Canadians are flying during the pandemic. There sure seems to be a lot of urgent need to travel to places that happen to be warm vacation spots: https://www.cbc.ca/news/politics/freeland-travel-restrictions-1.5887163
· There is an 8 p.m. curfew in Montreal, and that is hard on the city’s homeless people.
· Homeless people have seen a dramatic reduction in help since the pandemic began. Shelters have to have social distancing, if they are safe to open at all.
· The province has refused to exempt homeless people from the curfew. People who break the curfew are subject to fines that start at $1,000 and can go up to $6,000. Premier Legault says making an exception for homeless people could cause people to pretend to be homeless.
· Some shelters have been forced to close altogether, because they can’t meet the requirements.
· Story: https://www.cbc.ca/news/canada/montreal/montreal-homeless-covid-curfew-1.5880946
· 90 “adverse events following immunization,” 0.015% of the 601,901 doses administered as of January 9th 2021.
· 63 were non-serious, 0.010%. This includes things like a skin rash.
· 27 were serious, 0.004%. In Canada, this includes a wide range of symptoms from headache to nausea to anaphylaxis.
· Learn about the Canada Adverse Events Following Immunization Surveillance System (CAEFISS) here: https://www.canada.ca/en/public-health/services/immunization/canadian-adverse-events-following-immunization-surveillance-system-caefiss.html
· Here is where the numbers are updated every Friday (but not consistently): https://health-infobase.canada.ca/covid-19/vaccine-safety/#seriousNonSerious
· Manitoba is now requiring a 14 day quarantine for non-essential travel from other parts of Canada.
· The move is being made to attempt to prevent new variants of Covid-19 from entering the province.
· Applies to air and land travel.
· Includes Manitobans who are returning to the province from elsewhere.
Sources: CBC, Toronto Star, Public Health Canada

INTERNATIONAL:
· The world is experiencing Covid-somnia – an epidemic of insomnia.
· Insomnia is now at one-quarter of the population in the UK, and at 40% in Italy and Greece.
· There is concern that this is affecting people’s health in other ways.
· Work productivity is also affected.
· A University of Ottawa study of health care workers in 55 countries and 190,000 people showed that depression, anxiety, and PTSD have all risen at least 15% since the start of the pandemic. Insomnia has risen by over 23%.
· People are advised to seek help, which many are not as people avoid medical services, or those services are unavailable. Seeking help is important, because sleep issues over time can become and ongoing sleep disorder. “Tele-health” now makes treatment more available despite the pandemic.
· Working and using screens in bed is a big part of it. The recommendation is to use your bed only as a place of sleep.
· Full article: https://www.bbc.com/worklife/article/20210121-the-coronasomnia-phenomenon-keeping-us-from-getting-sleep
· Vaccine delays are happening around the world.
· Canada is receiving zero doses this week.
· Health workers who were scheduled for vaccination were mostly notified by email of their cancellations.
· In Canada, 50% of doses will be delayed for up to four weeks, up to 400,000 doses delayed.
· Restoration of supply will happen in the European union before it happens in Canada. Pfizer explained this as differing contract deals but did not reveal details. Europe has also threatened to sue Pfizer for breach of contracts, and threatened to abandon Pfizer altogether as a supplier, perhaps in doing so catching the company’s attention.
· Pfizer and AstraZeneca say they will catch up to their commitments in the Spring. Pfizer says their delay is due to changing production systems, so a short-term shut down for a greater number of people vaccinated more rapidly overall. Pfizers says that they are upgrading to be able to produce 2 billion doses per year, from the current 1.3 billion. AstraZeneca has not given details.
· UPDATED: The Pfizer production facility in question is in Belgium. The European Union has threatened to ban exports of the vaccine if commitments to Europe are not met. The company is attempting to distribute the problem in the world somewhat equitably. If Europe followed through on the threat, that could mean delays for other countries would be longer, including Canada, which is served by the Belgium facility.
· The UK, having had Brexit and pulled out of the European Union, has realized that they, too, would be one of those outside countries. The UK, somewhat ironically, is now arguing against nationalism as government policy, referring to what they called “the dead end of vaccine nationalism.”
· The World Health Organization’s Covax program, to distribute vaccine around the world fairly to low-income countries, has not been affected, some good news in the mix. The Covax problem is still on schedule, as its vaccine supply is produced in India and South Korea. The program has also received a substantial boost, following US President Joe Biden’s decision to contribute $4 billion to the program.
· The CDC in the US says that allergic reactions to the vaccine are extremely rare.
· Out of 4 million given the Moderna vaccine, 10 had severe allergic reactions.
· Moderna – 2.5 per million doses have severe allergic reactions.
· Pfizer – 11.1 per million.
· Normal flu vaccine – 1.3 per million.
· Allergic reactions begin quickly, at a median of 7 and a half minutes, so people are able to be supported through it. The majority were known to have severe allergies in advance. In the US, all vaccination sites must have people trained in responding to anaphylaxis, or severe allergic reaction.
· Story: https://www.cnn.com/2021/01/22/health/moderna-severe-allergic-reactions-rare/index.html
· A doctor in Texas has been arrested for stealing vaccine.
· The doctor stole 9 doses to give to his friends and family, authorities allege.
· A man lived in the Chicago O’Hare airport for three months because he was afraid to fly. Story: https://www.bbc.com/news/world-us-canada-55702003
· Los Angeles has lifted its air quality limitations for cremations. An emergency order was issued so that crematoriums can catch up with the number of bodies. One person every eight minutes was dying from Covid every 8 minutes. The rate of death in LA county is double the norm from past years. 13,800 deaths in the city, 7,400 currently hospitalized, and 23% of those in intensive care.
· Over 200 incidents with plane passengers over the wearing of masks have been reported in the U.S.
· The behaviour has included refusal to wear masks once onboard, shouting abusively at flight attendants, and even physical assault.
· On Thursday, President Biden issued an executive order requiring the wearing of masks across transportation, a move welcomed by flight unions.
· The FAA, Federal Air Administration, has introduced fines up to $35,000 and potential jailing for abusing aircraft personnel, a move made in December after two flight attendants were assaulted.
· One person has been fined $15,000 after hitting the flight attendant, and grabbing her phone away from her while she was notifying the captain of the problem. Another passenger was fined $7,500, who when asked to wear a mask approached other passengers without a mask and sexually harassed a flight attendant.
· Some airlines are banning passengers from their flights who refuse to follow the rules. United Airlines has banned 615 people from flying on the airline since June, Delta Airlines has banned 700.
· There is a lot of news about variants of the virus.
· New variants have appeared in Britain, South Africa, and Brazil, all countries that have had high rates of Covid.
· So, what about vaccines? Scientists have actually expected that vaccines would still work against the variants. Moderna says that antibodies triggered by their vaccine works on new variants in lab test results. More study will be needed of people who actually have been vaccinated and who had the variant. The study so far was a small sample of eight people. Early results with the Pfizer vaccine also show that it works against variants.
· Moderna is also studying to see if there is a benefit of giving a third booster shot.
· Reports vary almost daily about if the variants are more deadly or not. The truth is that data is too limited and it is too early to really tell.
· Covid job losses have been four times worse than in the financial crisis in 2009.
· That’s according to a report by the International Labor Organization.
· The report estimates that 8.8% of the world’s work hours were eliminated. The ILO looks not only at those who have become unemployed, but those who have had reduced hours of work as well. That loss is equivalent to 255 million full-time jobs, or $3.7 trillion dollars of income.
· Press release: https://www.ilo.org/global/about-the-ilo/newsroom/news/WCMS_766949/lang--en/index.htm
· Study: COVID-19 and the world of work. Seventh edition. https://www.ilo.org/wcmsp5/groups/public/---dgreports/---dcomm/documents/briefingnote/wcms_767028.pdf
· What’s the latest with the Tokyo Olympics?
· The government of Japan wants to go ahead with the Olympics that were delayed last summer.
· The Olympics are planned to start on July 23, and the Paralympics on August 24.
· The International Olympic Committee is currently planning on proceeding, but has not made a final decision. Efforts are underway to have Olympics that are Covid safe. That might mean no audiences, athletes restricted to their accommodation areas, and each sport would have to have protocols around training and competition areas.
· “We need the vaccine to come to Africa.” A note about Grandmothers in Zimbabwe. I encourage you to read this one: https://www.bbc.com/news/world-africa-55726054
Sources: BBC, Toronto Star, International Labor Organization, CNN, Los Angeles Times.

STATS (as of end of Monday)
CANADA
· 144 new deaths. 19,238 total.
· 5,628 new cases. 753,011 total.
· 1,222 fewer active. 62,446 total.
· 849 in critical care.
· 6,706 new recovered. 671,327 total.
USA
· 1,887 new deaths. 431,392 total.
· 152,244 new cases. 25,861,597 total.
· 9,812,845 active.
· 26,259 in critical care.
· 207,426 new recovered. 15,617,360 total.
WORLD
· 2,149,496 deaths.
· 100,286,772 cases.
· 72,315,474 recovered.
Sources: www.covid-19us.live/, https://www.covid-19canada.com/

Pandemic updates provided on a voluntary basis as a community service, on Tuesdays and Fridays unless circumstances do not allow (currently dealing with an injury that limits my typing).
To provide accurate and timely information, locally, provincially, nationally and internationally, all in one place.
Feel free to share.
With love and hope,
Jaimie McEvoy, City Councillor, New Westminster, B.C.
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