Google Marketing Conference

iPhone Tricks and Codes

2014.01.03 00:24 ringwatchmen iPhone Tricks and Codes

Share useful and interesting iphones codes. No NFSW or 18+ content please.
[link]


2020.10.27 07:42 Sonya_ss [Short video News ] 2020/10/27

[Short video News ] 2020/10/27

  1. Facebook launched a cloud game function on its social media platform on Monday. Users can play Wild Racing 9 for free in the form of streaming media without downloading games: racing legend and WWE: Super card and other games. At present, this function will be open to Android and Internet users, and it is studying an alternative to this function on Apple's iOS platform.
  2. Apple Inc. said that it updated App pricing policies in some countries according to exchange rates and tax rates.
  3. Yahoo Groups will be closed on December 15, 2020
  4. Google pays Apple 12 billion USD default search fee every year, accounting for 21% of Apple's profit
  5. Who held a regular press conference on new coronavirus Pneumonia. WHO Director General Tan Desai said that the number of new coronavirus pneumonia cases reported worldwide last week was the highest since the epidemic, the number of cases and hospitalizations are increasing in many countries in the northern hemisphere.
------------------------
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submitted by Sonya_ss to TiktokDouyinMarketing [link] [comments]


2020.10.26 03:03 LovelyNightmare1 Need your opinions

Hello,
I hope you are doing well.
I am a student in my first year of college and in our marketing classes, our teacher gave us a project about helping a local business. My team's goal is to find ways to increase funds for a local library through things like donations. I need help and advice on how to go through this project. I went through google and searched and did get some results but I feel like it is not enough. So you people of Reddit are my last hope to perfect this project.
Here is the information about the library: Problem Statement
The City provides a minimum level of funding to keep the library running, but not enough to allow us to offer the full range of services people have come to expect of a vibrant 21st-century community library.
We face a marketing challenge in that people assume that we are just another municipal service. We want to let them know that we are an institution that depends very much on community support and find ways to reach out and ask for their support.
This August an ad-hoc fundraising committee from the library board met to begin looking at how to do this. Here is the summary of that meeting:
Purpose:
Recognizing that the City is unlikely to fund the library at a level that would truly allow us to offer the full range of library services, we need to explore ways to diversify the library’s sources of revenue and to seek out additional funding from organizations and individuals alike.
Fundraising Campaign(s)

Here is what I have found so far and need advice if it is a possible answer:
For now, that's all I have found. Thank you for your help in advance.
submitted by LovelyNightmare1 to smallbusiness [link] [comments]


2020.10.26 03:01 LovelyNightmare1 Need your opinions on a project

Hello,
I hope you are doing well.
I am a student in my first year of college and in our marketing classes, our teacher gave us a project about helping a local business. My team's goal is to find ways to increase funds for a local library through things like donations. I need help and advice on how to go through this project. I went through google and searched and did get some results but I feel like it is not enough. So you people of Reddit are my last hope to perfect this project.
Here is the information about the library: Problem Statement
The City provides a minimum level of funding to keep the library running, but not enough to allow us to offer the full range of services people have come to expect of a vibrant 21st-century community library.
We face a marketing challenge in that people assume that we are just another municipal service. We want to let them know that we are an institution that depends very much on community support and find ways to reach out and ask for their support.
This August an ad-hoc fundraising committee from the library board met to begin looking at how to do this. Here is the summary of that meeting:
Purpose:
Recognizing that the City is unlikely to fund the library at a level that would truly allow us to offer the full range of library services, we need to explore ways to diversify the library’s sources of revenue and to seek out additional funding from organizations and individuals alike.
Fundraising Campaign(s)

Here is what I have found so far and need advice if it is a possible answer:
For now, that's all I have found. Thank you for your help in advance.
submitted by LovelyNightmare1 to Entrepreneur [link] [comments]


2020.10.26 03:00 LovelyNightmare1 Need your advice and opinion on a project

Hello,
I hope you are doing well.
I am a student in my first year of college and in our marketing classes, our teacher gave us a project about helping a local business. My team's goal is to find ways to increase funds for a local library through things like donations. I need help and advice on how to go through this project. I went through google and searched and did get some results but I feel like it is not enough. So you people of Reddit are my last hope to perfect this project.
Here is the information about the library: Problem Statement
The City provides a minimum level of funding to keep the library running, but not enough to allow us to offer the full range of services people have come to expect of a vibrant 21st-century community library.
We face a marketing challenge in that people assume that we are just another municipal service. We want to let them know that we are an institution that depends very much on community support and find ways to reach out and ask for their support.
This August an ad-hoc fundraising committee from the library board met to begin looking at how to do this. Here is the summary of that meeting:
Purpose:
Recognizing that the City is unlikely to fund the library at a level that would truly allow us to offer the full range of library services, we need to explore ways to diversify the library’s sources of revenue and to seek out additional funding from organizations and individuals alike.
Fundraising Campaign(s)

Here is what I have found so far and need advice if it is a possible answer:
For now, that's all I have found. Thank you for your help in advance.
submitted by LovelyNightmare1 to business [link] [comments]


2020.10.24 15:46 bigbear0083 Wall Street Week Ahead for the trading week beginning October 26th, 2020

Good Saturday morning to all of you here on smallstreetbets. I hope everyone on this sub made out pretty nicely in the market this past week, and is ready for the new trading week ahead.
Here is everything you need to know to get you ready for the trading week beginning October 26th, 2020.

There’s a big week ahead for the market with an earnings deluge, GDP data and stimulus negotiations - (Source)

About a third of the S&P 500 companies report earnings, including Apple and Microsoft, but uncertainty around stimulus and the presidential election could loom larger for markets in the week ahead.
There is also important economic data on the calendar, with a first look at third-quarter gross domestic product Thursday. After the second quarter’s shocking 31.4% decline following coronavirus shutdowns, the economy bounced back with growth of 32.5% expected in the third quarter, according to Refinitiv.
Nearly 170 companies report earnings in the coming week, with a diverse group of blue chips among them, including Boeing, Caterpillar, Honeywell, and Merck. There is also a big showing from large tech names. Microsoft reports Tuesday, and Apple, Amazon, Alphabet and Facebook all report in a small window just after the market close on Thursday.
“For some of these stocks that have run a long way, the bar for those stock to respond to good earnings is higher,” said Julian Emanuel, head of equities and derivative strategy at BTIG.
So far about 85% of S&P companies that have reported earnings beat estimates, about 20 percentage points more than the long term average. Companies have been reporting earnings more than 16% above estimates, and the expectation is that earnings overall will be down about 18%, based on actual results and forecasts, according to I/B/E/S data from Refinitiv.
The Dow Jones Industrial average fell 0.95% for the week, breaking a 3-week win streak as coronavirus fiscal negotiations dragged on and tech shares declined.
“We’ve offered compromises, the speaker on a number of issues is still dug in,” said Treasury Secretary Steven Mnuchin on Friday. “If she wants to compromise, there will be a deal. But we’ve made lots of progress in lots of areas, but there’s still some significant areas that we’re working through.”
His comments knocked stocks down a bit midday Friday.
“It’s been a muted reaction to earnings overall,” said Leo Grohowski, chief investment officer at BNY Mellon Wealth Management. “So I’m disappointed, in a way, as a fundamentally focused chief investment officer, that the stimulus saga seems to be what it’s all about day in and day out, hour by hour. It’s the stimulus saga, the election looming and the Covid resurgence. Those three things have sort of made earnings a page four story.”
With a week to go before the Nov. 3 election, the market could be a bit more volatile, especially if the outcome looks increasingly less certain.
“The market is going to focus on the state of stimulus. It’s going to focus on whether the polls are tightening or widening with regard to the probability of having an unclear outcome, contested outcome or both,” said Emanuel.
Former vice president Joe Biden’s lead has narrowed slightly but he is still ahead in swing state polls.
“We are experiencing a little bit of the calm before the storm here. I do think we are going to get some 1%, 2% daily moves depending on the news...I think you could see a 3% to 5% down opening the following day [after the election] pretty easily,” said Grohowski. “I think the market has grown increasingly comfortable with a cleaner result, even if the cleaner result is an all blue result, which potentially would result in a higher tax regime.”
Strategists say the market began to focus more on the possibility of a Democratic sweep, where Democrats take the White House and Congress. That could mean a bigger stimulus package, and some strategists believe tax hikes would be delayed until the economy is on more solid ground.
“As we get closer to the election, we’re likely to see more volatility no matter what the outcome,” said Grohowski.
Emanuel said investors are not adequately hedged for an uncertain outcome. “Active managers have the most net long positions they’ve had in a number of years because they’re fearful of missing a year-end rally,” said Emanuel. “The options market in no way, shape or form is telling you people are hedged right here. The market is discounting a slight volatility, not expected to be persistent into year end.”
Emanuel said the options market indicates investors do expect some volatility but not through year end, as some investors began hedging for several months ago.
“What we see by and large is again the bump in volatility. It’s really only anticipating a 2% or 3% move in the market either way, after the election, and then the expectation is to likely moderate after that,” Emanuel said.
The final trading day of October is on Friday, so there could also be some added volatility as fund managers readjust their portfolios between bonds and stocks. In the past week, Treasury yields broke out of a four-month range. The 10-year yield rose above 0.80% for the first time since June, and while it could move higher, strategists expect its move to be contained.

This past week saw the following moves in the S&P:

(CLICK HERE FOR THE FULL S&P TREE MAP FOR THE PAST WEEK!)

Major Indices for this past week:

(CLICK HERE FOR THE MAJOR INDICES FOR THE PAST WEEK!)

Major Futures Markets as of Friday's close:

(CLICK HERE FOR THE MAJOR FUTURES INDICES AS OF FRIDAY!)

Economic Calendar for the Week Ahead:

(CLICK HERE FOR THE FULL ECONOMIC CALENDAR FOR THE WEEK AHEAD!)

Percentage Changes for the Major Indices, WTD, MTD, QTD, YTD as of Friday's close:

(CLICK HERE FOR THE CHART!)

S&P Sectors for the Past Week:

(CLICK HERE FOR THE CHART!)

Major Indices Pullback/Correction Levels as of Friday's close:

(CLICK HERE FOR THE CHART!

Major Indices Rally Levels as of Friday's close:

(CLICK HERE FOR THE CHART!)

Most Anticipated Earnings Releases for this week:

(CLICK HERE FOR THE CHART!)

Here are the upcoming IPO's for this week:

(CLICK HERE FOR THE CHART!)

Friday's Stock Analyst Upgrades & Downgrades:

(CLICK HERE FOR THE CHART LINK #1!)
(CLICK HERE FOR THE CHART LINK #2!)
(CLICK HERE FOR THE CHART LINK #3!)

Nasdaq vs. Dow Outperformance

You may not realize it, but while the Tech-heavy Nasdaq Composite is up a ridiculous 28% so far in 2020, the Dow Jones Industrial Average is still in the red on the year.
Below is a table showing the Dow and Nasdaq's annual percentage change since 1972 when the Nasdaq came into existence. Were the year to end now, the Nasdaq would be outperforming the Dow by 28.65 percentage points. This would be the third strongest outperformance for the Nasdaq on record and the strongest since 1999 when the spread was 60 percentage points!
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
Below are all years since 1972 in which the Nasdaq outperformed the Dow by at least ten percentage points. The Nasdaq has posted an annual gain of 20%+ in seventeen different years, but never in a year when the Dow was in the red. Probably the year that most resembles 2020 in terms of the performance spread is 1979 when the Nasdaq rose 28.11% and the Dow rose just 4.19%. Following that year in 1980, both the Dow and Nasdaq surged again and the Nasdaq outperformed by another 18.9 percentage points.
Interestingly, of the twelve years where the Nasdaq outperformed the Dow by more than ten percentage points, the Nasdaq went on to beat the Dow again in the next year eleven out of twelve times. The only time we've seen the Nasdaq crumble versus the Dow in the following year was in 2000 after 1999's outperformance. In 1999, the Nasdaq beat the Dow by a humongous 60 percentage points. After that large gap, though, the Nasdaq ran out of gas in 2000 and underperformed the Dow by 33 percentage points when the Dot Com Bubble finally burst.
(CLICK HERE FOR THE CHART!)

Leading Indicators Show Slowing Pace of Economic Recovery

The Federal Reserve’s (Fed) Beige Book presented qualitative data that suggested the pace of the economic recovery had been tapering, as we discussed in the LPL Research blog, Beige Book Shows Pace of Recovery is Moderating, but now we have quantitative data that is confirming the survey data. The Conference Board’s Leading Economic Index (LEI) increased 0.7% month over month in September to beat Bloomberg consensus expectations of 0.6%, but slowed after rising 1.4% in August and 2% in July.
As shown in the LPL Chart of the Day, the leading indicators are still growing, but at a slower rate than the blistering pace seen in the initial months after emerging from lockdowns.
(CLICK HERE FOR THE CHART!)
Growth in the LEI in September was primarily driven by the improvement in jobless claims, as well as continued strength in building permits for new private housing—a trend that matches the behavioral shifts to accommodate work from home conditions during the pandemic. The pullback in stock prices last month and manufacturers’ new orders were the lone detractors from the LEI in September.
“It comes as no surprise that growth began to level off after the surge over the summer, and the softer LEI print is suggesting the economy could be losing momentum heading into the fourth quarter,” said LPL Chief Investment Officer Burt White. “However, despite the slowing momentum, we still expect solid economic growth in Q4, just not quite at the same rate in Q3.”
The decline in manufacturers’ new orders is likely in relation to election uncertainty, which should prove transitory. However, the recent rise in COVID-19 cases in both Europe and the United States may cause business activity to slow, even if no additional lockdowns are mandated. As we head into the fourth quarter, we will continue to monitor real-time data for any additional clues about the pace of the economic recovery.

Halloween Trading Strategy: S&P 500 Up 85% of the Time

Next week provides a special short-term seasonal opportunity, one of the most consistent of the year. The last 4 trading days of October and the first 3 trading days of November have a stellar record the last 26 years. From the tables above & below:
  • Dow up 77% of the time, 20 of last 26 years, average gain 2.05%.
  • S&P up 85% of the time, 22 of last 26 years, average gain 2.11%.
  • NASDAQ up 85% of the time, 22 of last 26 years, average gain 2.67%.
  • Russell 2000 up 77% of the time, 20 of last 26 years, average gain 2.31%.
Many refer to our Best Six Months Tactical Seasonal Switching Strategy as the Halloween Indicator or Halloween Strategy and of course “Sell in May”. These catch phrases highlight our discovery that was first published in 1986 in the 1987 Stock Trader’s Almanac that most of the market’s gains have been made from October 31 to April 30, while the market tends to go sideways to down from May through October.
Recent market weakness has held off our Seasonal MACD Buy Signal so far, but it could trigger anytime now. Uncertainty abounds with surging covid-19 cases, a heated presidential election and persistently elevated unemployment. However, each day that passes is one day closer to a covid-19 vaccine. Interest rates are low and ample liquidity is available to support the market and the economy. Additional fiscal stimulus also appears to be coming soon. Debate continues on the amount, but both parties do appear to agree it is needed in one form or another.
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)

"Quitters"

Like an old pair of "quitters" that keep falling down because their elasticity is shot, the market has had its own trouble staying up over the last few trading days. Today isn't over yet, but if the S&P 500 finishes around current levels it will mark the fourth straight day of finishing down at least half of one percent from its intraday high. Compared to the three days before, today's pullback from an intraday high has actually been pretty mild up to this point. Following Monday's 2%+ decline from the intraday high shortly after the open, yesterday, the S&P 500 traded down close to 1% from its afternoon high. These two reversals followed Friday's late-day sell-off when the S&P 500 finished the day down 0.75% from its intraday high.
(CLICK HERE FOR THE CHART!)
While it's disheartening to see the market erasing early gains as the day goes on, it's helpful to put the last four trading days into perspective. Over the last 25 years, it hasn't been uncommon for the S&P 500 to finish the day down at least 0.5% from an intraday high for four days in a row. The current streak, if it holds, would be the 158th such streak of four or more days. That works out to more than six a year. There have also been a number of streaks that were much longer than the current one. In fact, it was only a month ago that the S&P 500 went 11 straight days of finishing the day down at least 0.5% from its intraday high, and besides that streak, there have been five other streaks that spanned ten or more trading days.
(CLICK HERE FOR THE CHART!)

October Optimism For Homebuilders

Given housing inventories remain historically low thanks to still strong demand, homebuilders have plenty to be optimistic about. The National Association of Home Builders (NAHB) has continued to show this strength as its monthly sentiment survey set a record high for the month of October. Back in August, the index tied the previous record level of 78 from December of 1998. Over the past two months, it has only raised that bar, coming in at 85 this month; 2 points above forecasts and last month's reading of 83.
(CLICK HERE FOR THE CHART!)
The rise in the index comes on broad strength across each of the sub-indices. Present Sales, Future Sales, and Traffic all matched or made record highs in October. The only sub-index that was not higher was for Traffic, though, it was unchanged at a record high.
(CLICK HERE FOR THE CHART!)
As for the look across each of the four US regions, the West and Northeast both saw sizeable upticks to new records, but sentiment in the Midwest and South were actually slightly lower. For the Northeast, this is the third record in a row. Meanwhile, the West's record high in October finally surpassed the prior high of 91 from October of 2005. Finally, even though sentiment fell in the Midwest and South, both remain at higher levels now than any month other than September's record highs.
(CLICK HERE FOR THE CHART!)

STOCK MARKET VIDEO: Stock Market Analysis Video for Week Ending October 23rd, 2020

(CLICK HERE FOR THE YOUTUBE VIDEO!)

STOCK MARKET VIDEO: ShadowTrader Video Weekly 10.25.20

([CLICK HERE FOR THE YOUTUBE VIDEO!]())
(VIDEO NOT YET POSTED.)
Here are the most notable companies (tickers) reporting earnings in this upcoming trading week ahead-
  • $AAPL
  • $AMZN
  • $MSFT
  • $AMD
  • $UPS
  • $FB
  • $SHOP
  • $BA
  • $HAS
  • $PFE
  • $SMPL
  • $MMM
  • $TWLO
  • $GE
  • $FSLY
  • $PINS
  • $NOK
  • $TWTR
  • $MRNA
  • $CHGG
  • $ETSY
  • $SAP
  • $CAT
  • $LGND
  • $FVRR
  • $SPOT
  • $GOOGL
  • $LLY
  • $GILD
  • $RTX
  • $TDOC
  • $OSTK
  • $V
  • $ATVI
  • $MA
  • $XOM
  • $ABBV
  • $HCA
  • $SHW
  • $F
  • $NVS
  • $NRZ
  • $MRK
(CLICK HERE FOR NEXT WEEK'S MOST NOTABLE EARNINGS RELEASES!)
(CLICK HERE FOR NEXT WEEK'S HIGHEST VOLATILITY EARNINGS RELEASES!)
Below are some of the notable companies coming out with earnings releases this upcoming trading week ahead which includes the date/time of release & consensus estimates courtesy of Earnings Whispers:

Monday 10.26.20 Before Market Open:

(CLICK HERE FOR MONDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Monday 10.26.20 After Market Close:

(CLICK HERE FOR MONDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!)

Tuesday 10.27.20 Before Market Open:

(CLICK HERE FOR TUESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Tuesday 10.27.20 After Market Close:

(CLICK HERE FOR TUESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR TUESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #2!)

Wednesday 10.28.20 Before Market Open:

(CLICK HERE FOR WEDNESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR WEDNESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #2!)

Wednesday 10.28.20 After Market Close:

(CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #2!)
(CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #3!)

Thursday 10.29.20 Before Market Open:

(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #2!)
(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #3!)

Thursday 10.29.20 After Market Close:

(CLICK HERE FOR THURSDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR THURSDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #2!)

Friday 10.30.20 Before Market Open:

(CLICK HERE FOR FRIDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Friday 10.30.20 After Market Close:

(CLICK HERE FOR FRIDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!)

Apple, Inc. $115.04

Apple, Inc. (AAPL) is confirmed to report earnings at approximately 4:30 PM ET on Thursday, October 29, 2020. The consensus earnings estimate is $0.69 per share on revenue of $63.72 billion and the Earnings Whisper ® number is $0.80 per share. Investor sentiment going into the company's earnings release has 76% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 77.23% with revenue decreasing by 0.50%. The stock has drifted lower by 72.0% from its open following the earnings release to be 27.7% above its 200 day moving average of $90.06. Overall earnings estimates have been revised lower since the company's last earnings release. On Thursday, October 8, 2020 there was some notable buying of 84,327 contracts of the $140.00 call expiring on Friday, January 15, 2021. Option traders are pricing in a 6.1% move on earnings and the stock has averaged a 3.9% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Amazon.com, Inc. -

Amazon.com, Inc. (AMZN) is confirmed to report earnings at approximately 4:10 PM ET on Thursday, October 29, 2020. The consensus earnings estimate is $7.27 per share on revenue of $92.82 billion and the Earnings Whisper ® number is $7.93 per share. Investor sentiment going into the company's earnings release has 84% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 71.87% with revenue increasing by 32.64%. Short interest has decreased by 24.0% since the company's last earnings release while the stock has drifted lower by 1.2% from its open following the earnings release to be 24.4% above its 200 day moving average of $2,576.07. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 16, 2020 there was some notable buying of 5,419 contracts of the $3,300.00 call expiring on Friday, November 20, 2020. Option traders are pricing in a 7.1% move on earnings and the stock has averaged a 4.0% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Microsoft Corp. $216.23

Microsoft Corp. (MSFT) is confirmed to report earnings at approximately 4:10 PM ET on Tuesday, October 27, 2020. The consensus earnings estimate is $1.53 per share on revenue of $35.67 billion and the Earnings Whisper ® number is $1.62 per share. Investor sentiment going into the company's earnings release has 81% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 10.87% with revenue increasing by 7.91%. Short interest has decreased by 8.1% since the company's last earnings release while the stock has drifted higher by 4.4% from its open following the earnings release to be 14.1% above its 200 day moving average of $189.52. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 16, 2020 there was some notable buying of 96,053 contracts of the $250.00 call expiring on Friday, December 18, 2020. Option traders are pricing in a 4.5% move on earnings and the stock has averaged a 2.3% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Advanced Micro Devices, Inc. $81.96

Advanced Micro Devices, Inc. (AMD) is confirmed to report earnings at approximately 4:15 PM ET on Tuesday, October 27, 2020. The consensus earnings estimate is $0.35 per share on revenue of $2.56 billion and the Earnings Whisper ® number is $0.37 per share. Investor sentiment going into the company's earnings release has 80% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 94.44% with revenue increasing by 42.14%. Short interest has decreased by 43.5% since the company's last earnings release while the stock has drifted higher by 8.6% from its open following the earnings release to be 34.7% above its 200 day moving average of $60.86. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 23, 2020 there was some notable buying of 19,549 contracts of the $90.00 call expiring on Friday, October 30, 2020. Option traders are pricing in a 9.0% move on earnings and the stock has averaged a 5.9% move in recent quarters.

(CLICK HERE FOR THE CHART!)

United Parcel Service, Inc. $171.90

United Parcel Service, Inc. (UPS) is confirmed to report earnings at approximately 6:00 AM ET on Wednesday, October 28, 2020. The consensus earnings estimate is $1.82 per share on revenue of $19.95 billion and the Earnings Whisper ® number is $2.01 per share. Investor sentiment going into the company's earnings release has 81% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 12.08% with revenue increasing by 8.91%. Short interest has decreased by 57.4% since the company's last earnings release while the stock has drifted higher by 24.9% from its open following the earnings release to be 42.1% above its 200 day moving average of $120.99. Overall earnings estimates have been revised higher since the company's last earnings release. On Thursday, October 8, 2020 there was some notable buying of 5,193 contracts of the $195.00 call expiring on Friday, November 20, 2020. Option traders are pricing in a 7.9% move on earnings and the stock has averaged a 7.7% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Facebook Inc. $284.79

Facebook Inc. (FB) is confirmed to report earnings at approximately 4:05 PM ET on Thursday, October 29, 2020. The consensus earnings estimate is $1.92 per share on revenue of $19.64 billion and the Earnings Whisper ® number is $2.03 per share. Investor sentiment going into the company's earnings release has 78% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 9.43% with revenue increasing by 11.26%. Short interest has decreased by 16.8% since the company's last earnings release while the stock has drifted higher by 11.3% from its open following the earnings release to be 26.9% above its 200 day moving average of $224.40. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 23, 2020 there was some notable buying of 22,964 contracts of the $300.00 call expiring on Friday, October 30, 2020. Option traders are pricing in a 7.5% move on earnings and the stock has averaged a 4.9% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Shopify Inc. -

Shopify Inc. (SHOP) is confirmed to report earnings at approximately 7:00 AM ET on Thursday, October 29, 2020. The consensus earnings estimate is $0.53 per share on revenue of $636.31 million and the Earnings Whisper ® number is $0.84 per share. Investor sentiment going into the company's earnings release has 77% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 178.95% with revenue increasing by 62.93%. Short interest has decreased by 4.8% since the company's last earnings release while the stock has drifted lower by 7.3% from its open following the earnings release to be 36.7% above its 200 day moving average of $750.62. Overall earnings estimates have been revised higher since the company's last earnings release. On Tuesday, October 20, 2020 there was some notable buying of 1,056 contracts of the $950.00 put expiring on Friday, November 20, 2020. Option traders are pricing in a 8.4% move on earnings and the stock has averaged a 6.8% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Boeing Co. $167.36

Boeing Co. (BA) is confirmed to report earnings at approximately 7:30 AM ET on Wednesday, October 28, 2020. The consensus estimate is for a loss of $2.23 per share on revenue of $14.56 billion and the Earnings Whisper ® number is ($2.01) per share. Investor sentiment going into the company's earnings release has 20% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 253.79% with revenue decreasing by 27.13%. Short interest has decreased by 12.0% since the company's last earnings release while the stock has drifted lower by 3.2% from its open following the earnings release to be 12.5% below its 200 day moving average of $191.18. Overall earnings estimates have been revised lower since the company's last earnings release. On Friday, October 16, 2020 there was some notable buying of 24,464 contracts of the $170.00 call and 12,348 contracts of the $170.00 put expiring on Friday, November 20, 2020. Option traders are pricing in a 6.3% move on earnings and the stock has averaged a 2.5% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Hasbro, Inc. $92.00

Hasbro, Inc. (HAS) is confirmed to report earnings at approximately 6:30 AM ET on Monday, October 26, 2020. The consensus earnings estimate is $1.67 per share on revenue of $1.78 billion and the Earnings Whisper ® number is $1.72 per share. Investor sentiment going into the company's earnings release has 65% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 9.24% with revenue increasing by 13.00%. Short interest has decreased by 6.6% since the company's last earnings release while the stock has drifted higher by 22.6% from its open following the earnings release to be 17.6% above its 200 day moving average of $78.24. Overall earnings estimates have been revised lower since the company's last earnings release. On Friday, October 23, 2020 there was some notable buying of 1,315 contracts of the $95.00 call expiring on Friday, October 30, 2020. Option traders are pricing in a 11.1% move on earnings and the stock has averaged a 9.3% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Pfizer, Inc. $38.18

Pfizer, Inc. (PFE) is confirmed to report earnings at approximately 6:45 AM ET on Tuesday, October 27, 2020. The consensus earnings estimate is $0.70 per share on revenue of $12.27 billion and the Earnings Whisper ® number is $0.77 per share. Investor sentiment going into the company's earnings release has 58% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 6.67% with revenue decreasing by 3.23%. The stock has drifted lower by 0.9% from its open following the earnings release to be 6.0% above its 200 day moving average of $36.03. Overall earnings estimates have been revised higher since the company's last earnings release. On Tuesday, October 13, 2020 there was some notable buying of 51,244 contracts of the $41.00 call expiring on Friday, November 20, 2020. Option traders are pricing in a 6.2% move on earnings and the stock has averaged a 3.2% move in recent quarters.

(CLICK HERE FOR THE CHART!)

DISCUSS!

What are you all watching for in this upcoming trading week?
I hope you all have a wonderful weekend and a great trading week ahead smallstreetbets.
submitted by bigbear0083 to smallstreetbets [link] [comments]


2020.10.24 15:40 bigbear0083 Wall Street Week Ahead for the trading week beginning October 26th, 2020

Good Saturday morning to all of you here on stocks. I hope everyone on this sub made out pretty nicely in the market this past week, and is ready for the new trading week ahead.
Here is everything you need to know to get you ready for the trading week beginning October 26th, 2020.

There’s a big week ahead for the market with an earnings deluge, GDP data and stimulus negotiations - (Source)

About a third of the S&P 500 companies report earnings, including Apple and Microsoft, but uncertainty around stimulus and the presidential election could loom larger for markets in the week ahead.
There is also important economic data on the calendar, with a first look at third-quarter gross domestic product Thursday. After the second quarter’s shocking 31.4% decline following coronavirus shutdowns, the economy bounced back with growth of 32.5% expected in the third quarter, according to Refinitiv.
Nearly 170 companies report earnings in the coming week, with a diverse group of blue chips among them, including Boeing, Caterpillar, Honeywell, and Merck. There is also a big showing from large tech names. Microsoft reports Tuesday, and Apple, Amazon, Alphabet and Facebook all report in a small window just after the market close on Thursday.
“For some of these stocks that have run a long way, the bar for those stock to respond to good earnings is higher,” said Julian Emanuel, head of equities and derivative strategy at BTIG.
So far about 85% of S&P companies that have reported earnings beat estimates, about 20 percentage points more than the long term average. Companies have been reporting earnings more than 16% above estimates, and the expectation is that earnings overall will be down about 18%, based on actual results and forecasts, according to I/B/E/S data from Refinitiv.
The Dow Jones Industrial average fell 0.95% for the week, breaking a 3-week win streak as coronavirus fiscal negotiations dragged on and tech shares declined.
“We’ve offered compromises, the speaker on a number of issues is still dug in,” said Treasury Secretary Steven Mnuchin on Friday. “If she wants to compromise, there will be a deal. But we’ve made lots of progress in lots of areas, but there’s still some significant areas that we’re working through.”
His comments knocked stocks down a bit midday Friday.
“It’s been a muted reaction to earnings overall,” said Leo Grohowski, chief investment officer at BNY Mellon Wealth Management. “So I’m disappointed, in a way, as a fundamentally focused chief investment officer, that the stimulus saga seems to be what it’s all about day in and day out, hour by hour. It’s the stimulus saga, the election looming and the Covid resurgence. Those three things have sort of made earnings a page four story.”
With a week to go before the Nov. 3 election, the market could be a bit more volatile, especially if the outcome looks increasingly less certain.
“The market is going to focus on the state of stimulus. It’s going to focus on whether the polls are tightening or widening with regard to the probability of having an unclear outcome, contested outcome or both,” said Emanuel.
Former vice president Joe Biden’s lead has narrowed slightly but he is still ahead in swing state polls.
“We are experiencing a little bit of the calm before the storm here. I do think we are going to get some 1%, 2% daily moves depending on the news...I think you could see a 3% to 5% down opening the following day [after the election] pretty easily,” said Grohowski. “I think the market has grown increasingly comfortable with a cleaner result, even if the cleaner result is an all blue result, which potentially would result in a higher tax regime.”
Strategists say the market began to focus more on the possibility of a Democratic sweep, where Democrats take the White House and Congress. That could mean a bigger stimulus package, and some strategists believe tax hikes would be delayed until the economy is on more solid ground.
“As we get closer to the election, we’re likely to see more volatility no matter what the outcome,” said Grohowski.
Emanuel said investors are not adequately hedged for an uncertain outcome. “Active managers have the most net long positions they’ve had in a number of years because they’re fearful of missing a year-end rally,” said Emanuel. “The options market in no way, shape or form is telling you people are hedged right here. The market is discounting a slight volatility, not expected to be persistent into year end.”
Emanuel said the options market indicates investors do expect some volatility but not through year end, as some investors began hedging for several months ago.
“What we see by and large is again the bump in volatility. It’s really only anticipating a 2% or 3% move in the market either way, after the election, and then the expectation is to likely moderate after that,” Emanuel said.
The final trading day of October is on Friday, so there could also be some added volatility as fund managers readjust their portfolios between bonds and stocks. In the past week, Treasury yields broke out of a four-month range. The 10-year yield rose above 0.80% for the first time since June, and while it could move higher, strategists expect its move to be contained.

This past week saw the following moves in the S&P:

(CLICK HERE FOR THE FULL S&P TREE MAP FOR THE PAST WEEK!)

Major Indices for this past week:

(CLICK HERE FOR THE MAJOR INDICES FOR THE PAST WEEK!)

Major Futures Markets as of Friday's close:

(CLICK HERE FOR THE MAJOR FUTURES INDICES AS OF FRIDAY!)

Economic Calendar for the Week Ahead:

(CLICK HERE FOR THE FULL ECONOMIC CALENDAR FOR THE WEEK AHEAD!)

Percentage Changes for the Major Indices, WTD, MTD, QTD, YTD as of Friday's close:

(CLICK HERE FOR THE CHART!)

S&P Sectors for the Past Week:

(CLICK HERE FOR THE CHART!)

Major Indices Pullback/Correction Levels as of Friday's close:

(CLICK HERE FOR THE CHART!

Major Indices Rally Levels as of Friday's close:

(CLICK HERE FOR THE CHART!)

Most Anticipated Earnings Releases for this week:

(CLICK HERE FOR THE CHART!)

Here are the upcoming IPO's for this week:

(CLICK HERE FOR THE CHART!)

Friday's Stock Analyst Upgrades & Downgrades:

(CLICK HERE FOR THE CHART LINK #1!)
(CLICK HERE FOR THE CHART LINK #2!)
(CLICK HERE FOR THE CHART LINK #3!)

Nasdaq vs. Dow Outperformance

You may not realize it, but while the Tech-heavy Nasdaq Composite is up a ridiculous 28% so far in 2020, the Dow Jones Industrial Average is still in the red on the year.
Below is a table showing the Dow and Nasdaq's annual percentage change since 1972 when the Nasdaq came into existence. Were the year to end now, the Nasdaq would be outperforming the Dow by 28.65 percentage points. This would be the third strongest outperformance for the Nasdaq on record and the strongest since 1999 when the spread was 60 percentage points!
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
Below are all years since 1972 in which the Nasdaq outperformed the Dow by at least ten percentage points. The Nasdaq has posted an annual gain of 20%+ in seventeen different years, but never in a year when the Dow was in the red. Probably the year that most resembles 2020 in terms of the performance spread is 1979 when the Nasdaq rose 28.11% and the Dow rose just 4.19%. Following that year in 1980, both the Dow and Nasdaq surged again and the Nasdaq outperformed by another 18.9 percentage points.
Interestingly, of the twelve years where the Nasdaq outperformed the Dow by more than ten percentage points, the Nasdaq went on to beat the Dow again in the next year eleven out of twelve times. The only time we've seen the Nasdaq crumble versus the Dow in the following year was in 2000 after 1999's outperformance. In 1999, the Nasdaq beat the Dow by a humongous 60 percentage points. After that large gap, though, the Nasdaq ran out of gas in 2000 and underperformed the Dow by 33 percentage points when the Dot Com Bubble finally burst.
(CLICK HERE FOR THE CHART!)

Leading Indicators Show Slowing Pace of Economic Recovery

The Federal Reserve’s (Fed) Beige Book presented qualitative data that suggested the pace of the economic recovery had been tapering, as we discussed in the LPL Research blog, Beige Book Shows Pace of Recovery is Moderating, but now we have quantitative data that is confirming the survey data. The Conference Board’s Leading Economic Index (LEI) increased 0.7% month over month in September to beat Bloomberg consensus expectations of 0.6%, but slowed after rising 1.4% in August and 2% in July.
As shown in the LPL Chart of the Day, the leading indicators are still growing, but at a slower rate than the blistering pace seen in the initial months after emerging from lockdowns.
(CLICK HERE FOR THE CHART!)
Growth in the LEI in September was primarily driven by the improvement in jobless claims, as well as continued strength in building permits for new private housing—a trend that matches the behavioral shifts to accommodate work from home conditions during the pandemic. The pullback in stock prices last month and manufacturers’ new orders were the lone detractors from the LEI in September.
“It comes as no surprise that growth began to level off after the surge over the summer, and the softer LEI print is suggesting the economy could be losing momentum heading into the fourth quarter,” said LPL Chief Investment Officer Burt White. “However, despite the slowing momentum, we still expect solid economic growth in Q4, just not quite at the same rate in Q3.”
The decline in manufacturers’ new orders is likely in relation to election uncertainty, which should prove transitory. However, the recent rise in COVID-19 cases in both Europe and the United States may cause business activity to slow, even if no additional lockdowns are mandated. As we head into the fourth quarter, we will continue to monitor real-time data for any additional clues about the pace of the economic recovery.

Halloween Trading Strategy: S&P 500 Up 85% of the Time

Next week provides a special short-term seasonal opportunity, one of the most consistent of the year. The last 4 trading days of October and the first 3 trading days of November have a stellar record the last 26 years. From the tables above & below:
  • Dow up 77% of the time, 20 of last 26 years, average gain 2.05%.
  • S&P up 85% of the time, 22 of last 26 years, average gain 2.11%.
  • NASDAQ up 85% of the time, 22 of last 26 years, average gain 2.67%.
  • Russell 2000 up 77% of the time, 20 of last 26 years, average gain 2.31%.
Many refer to our Best Six Months Tactical Seasonal Switching Strategy as the Halloween Indicator or Halloween Strategy and of course “Sell in May”. These catch phrases highlight our discovery that was first published in 1986 in the 1987 Stock Trader’s Almanac that most of the market’s gains have been made from October 31 to April 30, while the market tends to go sideways to down from May through October.
Recent market weakness has held off our Seasonal MACD Buy Signal so far, but it could trigger anytime now. Uncertainty abounds with surging covid-19 cases, a heated presidential election and persistently elevated unemployment. However, each day that passes is one day closer to a covid-19 vaccine. Interest rates are low and ample liquidity is available to support the market and the economy. Additional fiscal stimulus also appears to be coming soon. Debate continues on the amount, but both parties do appear to agree it is needed in one form or another.
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)

"Quitters"

Like an old pair of "quitters" that keep falling down because their elasticity is shot, the market has had its own trouble staying up over the last few trading days. Today isn't over yet, but if the S&P 500 finishes around current levels it will mark the fourth straight day of finishing down at least half of one percent from its intraday high. Compared to the three days before, today's pullback from an intraday high has actually been pretty mild up to this point. Following Monday's 2%+ decline from the intraday high shortly after the open, yesterday, the S&P 500 traded down close to 1% from its afternoon high. These two reversals followed Friday's late-day sell-off when the S&P 500 finished the day down 0.75% from its intraday high.
(CLICK HERE FOR THE CHART!)
While it's disheartening to see the market erasing early gains as the day goes on, it's helpful to put the last four trading days into perspective. Over the last 25 years, it hasn't been uncommon for the S&P 500 to finish the day down at least 0.5% from an intraday high for four days in a row. The current streak, if it holds, would be the 158th such streak of four or more days. That works out to more than six a year. There have also been a number of streaks that were much longer than the current one. In fact, it was only a month ago that the S&P 500 went 11 straight days of finishing the day down at least 0.5% from its intraday high, and besides that streak, there have been five other streaks that spanned ten or more trading days.
(CLICK HERE FOR THE CHART!)

October Optimism For Homebuilders

Given housing inventories remain historically low thanks to still strong demand, homebuilders have plenty to be optimistic about. The National Association of Home Builders (NAHB) has continued to show this strength as its monthly sentiment survey set a record high for the month of October. Back in August, the index tied the previous record level of 78 from December of 1998. Over the past two months, it has only raised that bar, coming in at 85 this month; 2 points above forecasts and last month's reading of 83.
(CLICK HERE FOR THE CHART!)
The rise in the index comes on broad strength across each of the sub-indices. Present Sales, Future Sales, and Traffic all matched or made record highs in October. The only sub-index that was not higher was for Traffic, though, it was unchanged at a record high.
(CLICK HERE FOR THE CHART!)
As for the look across each of the four US regions, the West and Northeast both saw sizeable upticks to new records, but sentiment in the Midwest and South were actually slightly lower. For the Northeast, this is the third record in a row. Meanwhile, the West's record high in October finally surpassed the prior high of 91 from October of 2005. Finally, even though sentiment fell in the Midwest and South, both remain at higher levels now than any month other than September's record highs.
(CLICK HERE FOR THE CHART!)

STOCK MARKET VIDEO: Stock Market Analysis Video for Week Ending October 23rd, 2020

([CLICK HERE FOR THE YOUTUBE VIDEO!]())
(VIDEO NOT YET POSTED.)

STOCK MARKET VIDEO: ShadowTrader Video Weekly 10.25.20

([CLICK HERE FOR THE YOUTUBE VIDEO!]())
(VIDEO NOT YET POSTED.)
Here are the most notable companies (tickers) reporting earnings in this upcoming trading week ahead-
  • $AAPL
  • $AMZN
  • $MSFT
  • $AMD
  • $UPS
  • $FB
  • $SHOP
  • $BA
  • $HAS
  • $PFE
  • $SMPL
  • $MMM
  • $TWLO
  • $GE
  • $FSLY
  • $PINS
  • $NOK
  • $TWTR
  • $MRNA
  • $CHGG
  • $ETSY
  • $SAP
  • $CAT
  • $LGND
  • $FVRR
  • $SPOT
  • $GOOGL
  • $LLY
  • $GILD
  • $RTX
  • $TDOC
  • $OSTK
  • $V
  • $ATVI
  • $MA
  • $XOM
  • $ABBV
  • $HCA
  • $SHW
  • $F
  • $NVS
  • $NRZ
  • $MRK
(CLICK HERE FOR NEXT WEEK'S MOST NOTABLE EARNINGS RELEASES!)
(CLICK HERE FOR NEXT WEEK'S HIGHEST VOLATILITY EARNINGS RELEASES!)
Below are some of the notable companies coming out with earnings releases this upcoming trading week ahead which includes the date/time of release & consensus estimates courtesy of Earnings Whispers:

Monday 10.26.20 Before Market Open:

(CLICK HERE FOR MONDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Monday 10.26.20 After Market Close:

(CLICK HERE FOR MONDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!)

Tuesday 10.27.20 Before Market Open:

(CLICK HERE FOR TUESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Tuesday 10.27.20 After Market Close:

(CLICK HERE FOR TUESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR TUESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #2!)

Wednesday 10.28.20 Before Market Open:

(CLICK HERE FOR WEDNESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR WEDNESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #2!)

Wednesday 10.28.20 After Market Close:

(CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #2!)
(CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #3!)

Thursday 10.29.20 Before Market Open:

(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #2!)
(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #3!)

Thursday 10.29.20 After Market Close:

(CLICK HERE FOR THURSDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR THURSDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #2!)

Friday 10.30.20 Before Market Open:

(CLICK HERE FOR FRIDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Friday 10.30.20 After Market Close:

(CLICK HERE FOR FRIDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!)

Apple, Inc. $115.04

Apple, Inc. (AAPL) is confirmed to report earnings at approximately 4:30 PM ET on Thursday, October 29, 2020. The consensus earnings estimate is $0.69 per share on revenue of $63.72 billion and the Earnings Whisper ® number is $0.80 per share. Investor sentiment going into the company's earnings release has 76% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 77.23% with revenue decreasing by 0.50%. The stock has drifted lower by 72.0% from its open following the earnings release to be 27.7% above its 200 day moving average of $90.06. Overall earnings estimates have been revised lower since the company's last earnings release. On Thursday, October 8, 2020 there was some notable buying of 84,327 contracts of the $140.00 call expiring on Friday, January 15, 2021. Option traders are pricing in a 6.1% move on earnings and the stock has averaged a 3.9% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Amazon.com, Inc. -

Amazon.com, Inc. (AMZN) is confirmed to report earnings at approximately 4:10 PM ET on Thursday, October 29, 2020. The consensus earnings estimate is $7.27 per share on revenue of $92.82 billion and the Earnings Whisper ® number is $7.93 per share. Investor sentiment going into the company's earnings release has 84% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 71.87% with revenue increasing by 32.64%. Short interest has decreased by 24.0% since the company's last earnings release while the stock has drifted lower by 1.2% from its open following the earnings release to be 24.4% above its 200 day moving average of $2,576.07. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 16, 2020 there was some notable buying of 5,419 contracts of the $3,300.00 call expiring on Friday, November 20, 2020. Option traders are pricing in a 7.1% move on earnings and the stock has averaged a 4.0% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Microsoft Corp. $216.23

Microsoft Corp. (MSFT) is confirmed to report earnings at approximately 4:10 PM ET on Tuesday, October 27, 2020. The consensus earnings estimate is $1.53 per share on revenue of $35.67 billion and the Earnings Whisper ® number is $1.62 per share. Investor sentiment going into the company's earnings release has 81% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 10.87% with revenue increasing by 7.91%. Short interest has decreased by 8.1% since the company's last earnings release while the stock has drifted higher by 4.4% from its open following the earnings release to be 14.1% above its 200 day moving average of $189.52. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 16, 2020 there was some notable buying of 96,053 contracts of the $250.00 call expiring on Friday, December 18, 2020. Option traders are pricing in a 4.5% move on earnings and the stock has averaged a 2.3% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Advanced Micro Devices, Inc. $81.96

Advanced Micro Devices, Inc. (AMD) is confirmed to report earnings at approximately 4:15 PM ET on Tuesday, October 27, 2020. The consensus earnings estimate is $0.35 per share on revenue of $2.56 billion and the Earnings Whisper ® number is $0.37 per share. Investor sentiment going into the company's earnings release has 80% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 94.44% with revenue increasing by 42.14%. Short interest has decreased by 43.5% since the company's last earnings release while the stock has drifted higher by 8.6% from its open following the earnings release to be 34.7% above its 200 day moving average of $60.86. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 23, 2020 there was some notable buying of 19,549 contracts of the $90.00 call expiring on Friday, October 30, 2020. Option traders are pricing in a 9.0% move on earnings and the stock has averaged a 5.9% move in recent quarters.

(CLICK HERE FOR THE CHART!)

United Parcel Service, Inc. $171.90

United Parcel Service, Inc. (UPS) is confirmed to report earnings at approximately 6:00 AM ET on Wednesday, October 28, 2020. The consensus earnings estimate is $1.82 per share on revenue of $19.95 billion and the Earnings Whisper ® number is $2.01 per share. Investor sentiment going into the company's earnings release has 81% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 12.08% with revenue increasing by 8.91%. Short interest has decreased by 57.4% since the company's last earnings release while the stock has drifted higher by 24.9% from its open following the earnings release to be 42.1% above its 200 day moving average of $120.99. Overall earnings estimates have been revised higher since the company's last earnings release. On Thursday, October 8, 2020 there was some notable buying of 5,193 contracts of the $195.00 call expiring on Friday, November 20, 2020. Option traders are pricing in a 7.9% move on earnings and the stock has averaged a 7.7% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Facebook Inc. $284.79

Facebook Inc. (FB) is confirmed to report earnings at approximately 4:05 PM ET on Thursday, October 29, 2020. The consensus earnings estimate is $1.92 per share on revenue of $19.64 billion and the Earnings Whisper ® number is $2.03 per share. Investor sentiment going into the company's earnings release has 78% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 9.43% with revenue increasing by 11.26%. Short interest has decreased by 16.8% since the company's last earnings release while the stock has drifted higher by 11.3% from its open following the earnings release to be 26.9% above its 200 day moving average of $224.40. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 23, 2020 there was some notable buying of 22,964 contracts of the $300.00 call expiring on Friday, October 30, 2020. Option traders are pricing in a 7.5% move on earnings and the stock has averaged a 4.9% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Shopify Inc. -

Shopify Inc. (SHOP) is confirmed to report earnings at approximately 7:00 AM ET on Thursday, October 29, 2020. The consensus earnings estimate is $0.53 per share on revenue of $636.31 million and the Earnings Whisper ® number is $0.84 per share. Investor sentiment going into the company's earnings release has 77% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 178.95% with revenue increasing by 62.93%. Short interest has decreased by 4.8% since the company's last earnings release while the stock has drifted lower by 7.3% from its open following the earnings release to be 36.7% above its 200 day moving average of $750.62. Overall earnings estimates have been revised higher since the company's last earnings release. On Tuesday, October 20, 2020 there was some notable buying of 1,056 contracts of the $950.00 put expiring on Friday, November 20, 2020. Option traders are pricing in a 8.4% move on earnings and the stock has averaged a 6.8% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Boeing Co. $167.36

Boeing Co. (BA) is confirmed to report earnings at approximately 7:30 AM ET on Wednesday, October 28, 2020. The consensus estimate is for a loss of $2.23 per share on revenue of $14.56 billion and the Earnings Whisper ® number is ($2.01) per share. Investor sentiment going into the company's earnings release has 20% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 253.79% with revenue decreasing by 27.13%. Short interest has decreased by 12.0% since the company's last earnings release while the stock has drifted lower by 3.2% from its open following the earnings release to be 12.5% below its 200 day moving average of $191.18. Overall earnings estimates have been revised lower since the company's last earnings release. On Friday, October 16, 2020 there was some notable buying of 24,464 contracts of the $170.00 call and 12,348 contracts of the $170.00 put expiring on Friday, November 20, 2020. Option traders are pricing in a 6.3% move on earnings and the stock has averaged a 2.5% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Hasbro, Inc. $92.00

Hasbro, Inc. (HAS) is confirmed to report earnings at approximately 6:30 AM ET on Monday, October 26, 2020. The consensus earnings estimate is $1.67 per share on revenue of $1.78 billion and the Earnings Whisper ® number is $1.72 per share. Investor sentiment going into the company's earnings release has 65% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 9.24% with revenue increasing by 13.00%. Short interest has decreased by 6.6% since the company's last earnings release while the stock has drifted higher by 22.6% from its open following the earnings release to be 17.6% above its 200 day moving average of $78.24. Overall earnings estimates have been revised lower since the company's last earnings release. On Friday, October 23, 2020 there was some notable buying of 1,315 contracts of the $95.00 call expiring on Friday, October 30, 2020. Option traders are pricing in a 11.1% move on earnings and the stock has averaged a 9.3% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Pfizer, Inc. $38.18

Pfizer, Inc. (PFE) is confirmed to report earnings at approximately 6:45 AM ET on Tuesday, October 27, 2020. The consensus earnings estimate is $0.70 per share on revenue of $12.27 billion and the Earnings Whisper ® number is $0.77 per share. Investor sentiment going into the company's earnings release has 58% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 6.67% with revenue decreasing by 3.23%. The stock has drifted lower by 0.9% from its open following the earnings release to be 6.0% above its 200 day moving average of $36.03. Overall earnings estimates have been revised higher since the company's last earnings release. On Tuesday, October 13, 2020 there was some notable buying of 51,244 contracts of the $41.00 call expiring on Friday, November 20, 2020. Option traders are pricing in a 6.2% move on earnings and the stock has averaged a 3.2% move in recent quarters.

(CLICK HERE FOR THE CHART!)

DISCUSS!

What are you all watching for in this upcoming trading week?
I hope you all have a wonderful weekend and a great trading week ahead stocks.
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2020.10.24 01:59 500scnds [Table] I'm Jeff Galak, Professor of Marketing & Social and Decision Science at Carnegie Mellon University. I have published dozens of academic papers on decision making, consumer behavior, and more. I have also recently launched a new YouTube channel called Data Demystified. AMA! (pt 1/3)

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Questions Answers
Hey Jeff! I'm a minimalist & find that I'm happier with less stuff & when I give/receive experiences rather than items. Do you find consumer happiness reflects this shift towards minimalism since that is a (small, but seemingly growing) trend, especially among Millennials? Great question! There is some relatively new research looking at happiness from experiences vs. material possessions. Most of it shows that happiness from equally valued (e.g. price) experiences is higher than for possessions. HOWEVER, and this is a big however, all that work tends to ignore long run happiness with highly prized possessions. For instance, if you have a sentimentally valued object, happiness that stems from that object lasts for a long time. What most possessions don't do is provide long lasting happiness. You buy a new shiny toy and it DOES make you happy...but that happiness goes away quickly. My collaborators and I have termed this idea "Hedonic Decline."
So as for minimalism, there is not evidence that I know of that shows that less possessions make you happier. There's plenty showing that more possessions don't make you happier, but that's not the same thing.
One more layer of complexity: there are two routes to happiness: hedonic and eudaimonic. The former is what we usually think of when we think of happiness: how much joy does XYZ bring me. The latter, however, is closer to self-actualization. It's the happiness the comes from a accomplishing something....even if there was pain involved in getting there. I wonder if minimalism can increase eudaimonic happiness.
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That's interesting. Thank you for responding. In the minimalism community, self-actualization is reflected in endeavors such as achieving certain goals (like, paying off debt) that usually involves some amount of self-discipline &/or self-sacrifice. I'd say that the vast majority of research in happiness excludes eudaimonic happiness, largely because it's so hard to measure. My personal, non-data supported, take is that eudaimonic happiness is far more important than hedonic happiness. The latter is fleeting, whereas the former can be life changing.
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Beautifully said. Thank you.
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How does depression affect eudaimonic happiness compared to hedonic happiness? Great question and I don't know the answer. Social Psychology typical studies what we very poorly term "normal" psychology, which excludes clinical conditions like depression. Sorry!
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What’s your take on “pay to play” - as in, some “hedonic” purchases at are required to signal you’re in the game, making progress on eudaimonic happiness. When you get older and into your career, I’d venture many people have already figured out that hedonic happiness doesn’t do squat long-term, but there’s a balance in terms of how much hedonic happiness to have to acquire for the ultimate long-term eudaimonic happiness. Example: in sales, which I’m in tech analytics sales, companies want to spend for solutions to business problems, but they also want to see, visually, that the person they’re paying is a good representative for them. High cost equals a person that can represent that taste. Nice. Tailored suits, a nice watch and latest tech gadgets. There’s a pay to play aspect that signals to the world who I am, and that in turn actually allows me to get what I want- student loans paid off and early retirement.. I don't think there's any conflict here. If you will find some form of life satisfaction by succeeding in your career, there's no harm in also purchasing items that help you reach that goal. Those items can, in and of themselves, make you happy...nothing wrong with that. More to the point, hedonic and eudaimonic happiness don't have to be in opposition. You can have both!
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I really like this response. While i can jive with basic premise of experiences over possessions...i’m find it used a lot by people who actually just want to shirk obligation. I run HHiring and there is a persistent trend of people not wanting to act like their job is important..just because it’s easier to justify bailing on work/shifts to go do things when you can say you’re doing it for the experience, not focusing on the money you make at a job. I’m trying to figure out the best way to respond to people who think i’m some big bad money grubbing boss for wanting people to do their jobs. Meanwhile, in my personal life...i feel like i’m getting a lot of push back socially from people who think i should only work where i can just make my own schedule and dip put for an “experience” whenever. At the end of the say, it feels like people will just wax philosophic reasons for demanding leisure with all the material perks of having jobs and working. Great point. This relates to intrinsic vs. extrinsic motivation. The former is the desire to do something because it's inherently interesting/rewarding. The latter is doing something for compensation. This is more in the realm of organizational behavior, and you'll have to wait for my wife who is also a professor, but of organizational behavior and theory, to do an AMA for more on that :)
Hello, thanks for doing this. Are you familiar with "loot boxes" in video games? I feel like the topics of a lot of your papers would fit right into why consumers/businesses use loot boxes. How does a loot box mechanic differ from gambling and should it be treated the same? (Regulation, age restriction, etc) If they are the same, how do you feel about video games including a loot box mechanic? Sticking with gambling parallels, what are your thoughts on video game companies targeting "whales" given that gamers can be any age nowadays? I'm not a gamer myself (though I do love TTPRGs and run a D&D 5e campaign), but I'm pretty familiar with loot boxes. Mobile games and social media platforms in general have become very good at continuous reinforcement. It can be the allure of getting a new outfit in a loot box or just an upvote on Reddit...the point is that we are wired to love small rewards, even if those rewards are meaningless. Casinos have mastered this art and loot boxes are an capitalizing of the same basic psychological mechanisms: need for positive reinforcements. So are loot boxes the same as gambling? Probably not the SAME, but damn close. As for regulation, I am strongly in favor of making gambling of all forms only accessible to adults and even then providing access to counseling for those who suffer from gambling addiction.
I have a lot less sympathy towards wealthy adults who choose to gamble as a form of entertainment. The problem is that it's not always obvious who's a whale and who's just pretending to be one for the attention. The latter is highly susceptible to financial ruin and I'd want them protected just the same as they are with standard gambling.
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Do you find the researcher in you observing and asking questions about the players' decision making processes in your D&D campaign? My old DM minored in psychology, and I often felt like a rat in his experiments. I enjoyed it, though. It kind of added an extra facet to the game. More than my research, teaching has made a huge difference in being a DM. When I lecture, I am forced to be quick on my feet to understand student questions, reply accordingly, and make sure that I'm moving the lecture along. That is the same with DMing. I need to be able to understand the motives of my players, respond appropriately with NPCs, and keep the story going.
I'm sure that my knowledge of psychology helps, but I wouldn't think it influences the way I DM (or play) that much.
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Studying business Psychology in Switzerland and leading the yawning portal atm, seems like I need to start teaching :p Ha! Check out this thread: https://www.reddit.com/WaterdeepDragonHeist/comments/fcc89a/the_yawning_portal_a_drinking_song_and_boss_music/
I used that for my game and it was great.
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Could I join your 5e campaign? Ha! Sorry, no. It's just close friends and we're months into it. I'm running Waterdeep, if you're curious.
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I'm applying to Carnegie's MBA for what it's worth! If I'm accepted, may I join then? ;-) How about you get in and then we discuss!
Hi Jeff! What is your favorite heuristic or logical fallacy when it comes to decision making? Can you teach us about one that people might not know about? Easy: Diversification Bias. That's where I started my career 15 years ago. I didn't discover this bias, but have built on it. Anyway, it's the idea that people choose more variety than they should. For example, if you are going to pick some snacks for the next few days, you might pick: chips, pretzels and an apple. Those are fine, but really chips are your favorite and you picked the other two because you thought you'd get tired of chips every day. Well, turns out you'd be wrong. A day is enough to reset satiation/hedonic-decline in most cases, so you'd be better off always picking your favorite option! Doing otherwise means eating snacks that are less preferred.
A new one that my doctoral student, Julian Givi, and I recently published: The Future Is Now (FIN) Heuristic. It's the idea that people believe that future events will be like present events, even when evidence points to the contrary. An example: if it's sunny today, you're more likely to think it'll be sunny tomorrow, even if the forecast clearly predict rain. What happens is you treat information about the present as having evidentiary value for future events, even when that's just not true.
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I really like that you give your student credit. PhD students do all the hard work. Professors just bask in the glory :)
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I think diversification bias is how I ended up with 5 shades of blue nail polish that are virtually undistinguishable from each other! Interesting to consider. Ha! Just might be...
Tell me about your paper "Sentimental value and gift giving: Givers’ fears of getting it wrong prevents them from getting it right". From what I read of the abstract, it seems that gift-givers undervalue sentimental value, seeing it as riskier. Why is that, and how can we give better gifts? Sure, this is a paper with my former doctoral student, Julian Givi. Basically, people are risk averse in gift giving when they shouldn't be. If I know you like coffee and I have a choice to give you some nice coffee beans or a framed photo of the two of us (presumably since we're friends), I give the former b/c it's a sure bet. But as the recipient, overwhelmingly, people prefer the latter. So givers should take the risk and give the sentimentally valuable gift over one that is more a sure bet.
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Interesting. When giving presents, givers focus too much on the recipient's known wants, which gets in the way of giving a meaningful present. Thank you! I'll be sure to keep that in-mind next Christmas. That's exactly it.
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I sometimes hesitate at this. I don’t want to come off as the selfie culture of all about me in pictures! But relatives do love getting pics of the kids for gifts. Still, how often is this perceived as a form of narcissism by the gift receiver? Edit: pictures of my kids not just me! One trick we do: every Christmas holiday we print full size calendars with our kids pictures on them. That's our holiday gift to all the grandparents. They LOVE it.
We also send small photo books to the grandparents throughout the year of some of the best pictures we take.
We have yet to send too many, but that's specific to our family.
The best advice I always have for something like this is: just ask! People are often worried about asking gift recipients about their preferences, but our research shows that a) recipients don't care about being asked and b) you can give better gifts that way.
Hi Jeff ! I have a question regarding involvement in a purchase, is there an increasing trend to become highly involved in the purchase of even low value object ? I find myself doing this during the pandemic doing comparison searches for a bulb which costs 10 dollars. Is this an exception ? Or is there some underlying psychological reason isolated to me ? Absolutely. Two reasons this could be happening. 1) With more free time, the threshold for what merits deep research drops a lot. 2) Many people are facing financial hardships, and so making sure every dollar is well spent becomes really important.
Hi Jeff, Thank you for the great AMA. Where do you see the future of insights departments in consumer companies? Most companies looks like giving up on ethnographic and in person research and focus on data analytics. I speculate management is under great pressure and in the meantime aspire to Google, Amazon etc. What is your take of insights departments future in large companies? Thank you! Exploratory research like ethnographies, interviews, and focus groups is really useful for brainstorming. But they are a poor substitute for quantitative data. Now, that doesn't mean "big data"...just data that has larger samples and is better representative of populations. Surveys are still amazing. When we want to forecast an election, we don't use big data, we conduct a political poll. They work.
But yes, right now, AI and machine learning are the hot new ideas on the block and everyone wants in on them. There is plenty of amazing applications of AI/ML, but what they can't do is tell you "why". As in, why did someone choose this option over that one? Or why are people motivated by this goal or that goal? Those types of answers allow you to apply knowledge in completely novel contexts. AI/ML needs to be trained on a specific type of data for a specific type of task. It is AMAZING at that. But as soon as you introduce a new context or new set of experiences, it fails. That's where good old fashioned surveys and behavioral experiments come in.
If a program was built to help us make better decisions, do you think we would use it? Do you think we can listen to a program’s advice better than we do from experts? We already do. Weather forecasts tell us how to dress. Facebook tells us what to think. Tinder tells us who to date. Etc... etc...
A program that EXPLICITLY tells you what to do won't work too well. People like to feel like they have free will. They don't, though. We are greatly influenced by our environment (not just technology) whether we know it or not. As one example: I can guess your weight reasonably well just by knowing your zip code (please don't make me actually do this as I'm not in the business of public shaming!). If we had true free will and agency, that should be impossible. Instead, we are the products of our environment.
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60641 Chicago? I believe Illinois has 30-35% obesity (I'm doing this quickly and not looking at your zip specifically), so pretty high weight.
Hi Jeff! Since I'm a 14 yrs old and knew nothing about what you study, I have very limited questions I can ask. But as I have observed, people are often sheepish and will consume as the trend goes. What is the most unexpected trend, worldwide? P.S. will defo check out your channel I don't expect most people to know my work (I like to think my ego isn't THAT big!), so no worries!
You're right. Trends will drive a lot of human behavior. We are social creatures and follow what others do much more than we care to admit. As for the most unexpected trend, that's really hard to say. Maybe this is too broad, but I'm surprised by how short people's attention span is when it comes to current events. News cycles used to last for weeks, now they last for hours. I suppose I know that people don't have long attention spans, but I'm still surprised.
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Any underlying reasoning for this? For the short attention spans? We can invoke evolutionary psychology, which I'm not a big fan of, and it would suggest something like a tensions between exploring and cultivating. So it would argue that our ancestors needed to have some reason to leave their immediate tribe to find new resources. So perhaps our attention spans are short b/c of this and the current environment exaggerates that behavior.
Have you done(or can you point to) any research relating to the decision making/not making around getting rid of possessions? I have a relative who keeps anything that has a perceived value as in could be sold on ebay/garage sale which they never sell. They are otherwise rational, clean, don't over consume..def not hoarder territory.. but I struggle to convince them that the old digital camera that's been sitting for 3 years could just be disposed of. Hoarding is definitely a thing. There isn't much in the study of item disposition in the empirical world of research (lots of interesting qualitative work that I'm less familiar with). The big exception to this is the Endowment Effect. The short version is that you value items you own more than if you don't own it. So a mug sitting on a store shelf is worth, say $10 to you, but as soon as you own it is worth, say, $20 to you. Nothing changed except your ownership of it. That explains some of hoarding behavior, but not all of it.
For a qualitative research paper on the topic, see here: https://www.ingentaconnect.com/content/mcb/216/2010/00000013/00000001/art00001
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I suppose I have the Endowment Effect. Everytime I find something valuable i dont have the will to let it go. Even though i can sell it and re buy it later, or buy something similar haha. It's like I want to take the most of it and use it til it brakes, go missing, or whatever. The endowment effect isn't infinite. As in, it's not that you won't be willing to sell your items for ANY price, it's just that your willingness to sell is higher than your willingness to buy.
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Hey Professor, appreciate the AMA. A couple of questions: 1) Just from my own thoughts banging around in my head and observations I've made during the pandemic, do you see the pause our society went through and the economic downturn effecting the psychology behind materialism? It seems the American "push for more no matter what" mind state took a eating and I think I'm seeing some consequences of that. 1) It's possible, but my pretty strong prediction is that within 1-2 years of the pandemic ending, we will be back to where we were beforehand in terms of materialism and general behavior. Extreme events like a pandemic seem like they are life changers. For some, that's true (e.g. someone loses a loved one), but for most it's not. We are inherently myopic and think that the thing in front of our noses is the only thing that exists.
2) I'm a current medical student and we get inundated with so many studies that it's overwhelming. Trying to practice evidence based medicine is really hard in an atmosphere that prioritizes publishing with little regard to quality. Do you ha e ways of navigating that I could apply to my day to day? Thanks again. 2) I can't speak to medical research, but that problem exists in all academic fields. The best thing to do is to let science happen. There will always be flashy new findings, but the ones that really matter will get replicated over and over again...and will get built on. The BS ones tend to just die out. That's not a full proof approach to vetting research, but it's better than just assuming everything you see published is true and/or important.
I am a former CMU student. How do you feel about CMU's decision to appoint Richard Grenell as a senior fellow? And how can we do something to fight against it because it seems they are not listening the current student body? Recently, the fence was vandalized against BLM (they wrote "all lives matter" over the previously written "black lives matter"). How are you working to build a more inclusive community at CMU and to fight for those who need it? How can former students help? I signed the petition to revoke his appointment and stand by that completely. I do understand why the university is upholding it, but I am embarrassed to have him associated with CMU.
As for the fence, the CMU Provost sent a really great letter immediately after it all happened condemning the vandalism and supporting BLM. Personally, I try VERY hard to do things like call on students of all races and genders and not let white men (of which I am one, btw) dominate conversations. I try to make sure that examples I use to highlight ideas include more than just typically white and/or male oriented products. I have been trained in Green Dot deescalation for sexual assault and violence. I am on the university academic disciplinary committee and have direct say over infractions like harassment or discrimination. And I sit on my college's Faculty Diversity Equity and Inclusion committee with the hope of including representation and inclusion of URM and female faculty. I care about this topic a LOT and do what I can...still probably not enough.
As for alums, if you see behavior at CMU that you think is antithetical to inclusiveness, let the administration know. Get your fellow alums to weigh in. The university wants your sweet sweet alumni donations. If you are all pissed off, they'll reply.
Hey Professor! I absolutely love to give. But I feel so awkward being thanked. And I dont really like receiving gifts. What would the psychology behind that be? Great question. It's hard to know without more detail, but I'd guess that some of that anxiety is about attention...as in, your lack of desire for it. As for not liking receiving gifts, maybe you have just not received that many good gifts? Again, it's really hard to say without knowing a bit more about you and the gift giving contexts you're involved in. If you want to share more, I can try to answer better, but totally understandable if you don't!
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Well, if I think more deeply....whenever I need something, I feel like it's up to me to make me happy. I usually don't really ask anyone else. Whether I need a massage, have a getaway, or get my dream dog, I just do it myself. As an aside, self-gifts are great! You get what you need, and nothing else. No issues there.
To your question, though, I do wonder if you just haven't receive that many great gifts. Yes, gifts can fall flat and the recipient might not love them, but when they hit, they not only provide the value from the gift itself (e.g. a great bottle of wine) but ALSO the sentimental value from the associations that the gift brings up (e.g. who gave it to you and under what circumstances...like for a birthday or graduation).
Hi Jeff, I have a job application at a place where they do conjoint analysis, something I have never done before. Got any tips? Do you have any thoughts on the technique in general? Personally as someone who takes surveys I find it very abstract (e.g. "Would you rather buy a $5 toaster with two slots vs. a $20 toaster that takes bagels?" I don't know!). First, good luck with the job application! Conjoint is a really useful tool when used correctly (like any tool, I suppose). The short version is that it lets you extract utility weights for different dimensions (e.g. price, product size, product speed, etc...) without directly asking people to answer questions about those dimensions. So instead of saying "how important is price to you?" you would come up with product profiles that have varying price (among other things) and then have people choose between those profiles. You can then extract, using nothing more than regression analysis (though, practically, no one does it that way...they use software like Sawtooth or SPSS Conjoint), how important those dimensions are for any given person.
the technique is tedious in that respondents have to make LOTS of pair-wise comparisons, but the end product can teach you a lot about what people actually value.
One key is to make the task as simple and realistic as possible. So the example you gave is confusing and wouldn't work too well. But I asked you to choose between a $20 toaster with 2 slots vs. a $30 toaster with 3 slots" that would work (in reality it would be more complex than that). You'd be forced to tell me if you prefer a cheaper toaster with fewer slots or a more expensive one with more slots. There's not right answer, but I would learn about those two dimensions for you. I'd need a lot more pair-wise tradeoffs to do this right, but that's the general idea.
Do you find that there are significant differences between particular groups? Does age influence gift giving habits more then sex, or some other factor? Just curious about the general trends of gift giving between groups. Super general question I know, so feel free to just call me out on it Definitely difference across genders as you would expect. More jewelry given by men to women. More gadgets given by women to men. Not so much in terms of age, though I've never really directly looked at that. The reality is that most gifts aren't that exciting. They tend to be things that are popular in a given year or old standbys like gift cards and ties. There certainly are amazing gifts and gift givers out there, but the vast majority of actual gifts given are pretty mundane. But that's not a bad thing if the recipient still likes what they get!
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Yeah, sounds about right. And yeah if everyone is chipper it's all good :) Is there a sort of gift quality vs quantity data? Like is it better to get more frequent smaller gifts or largemore expensive gifts less frequently? Smaller more frequent gifts every time. I have some new work on obligatory vs. non-obligatory gifts. Basically, you can make someone very happy by giving a small gift on a random Tuesday compared to a much nicer gift on their Birthday. More random-tuesday gifts every time!
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Thank you! :) will the results of that be on ur channel? Probably not. The channel isn't about my research, but rather about how to understand data more broadly. But the results will hopefully be published soon!
How extensive are the consumer psychology divisions in companies like apple? Lots of variation. Places like apple, google, amazon will have a lot of depth in terms of psychologist and consumer behavior researchers. But those are the gold standard. Most will rely on consultants to help out
How does education on finance and economics affect consumer behavior? Does knowing the way our brains make consumer decisions or how businesses try to get you to buy change how you shop? If you understand better how firms are trying to entice you to buy their products, you can absolutely counteract that better. For instance, $1.99 is really just $2...we all get that. But it turns out, having a 9-ending price really drives demand. That's nuts, but it does. IF you understand that, you stand a shot and not being duped by something so trivial. So educating yourself can be a big help. On finance and econ eduction, also really helpful, but in other ways. When you go to get a 30-year mortgage for your home, understanding how interest rates work, how inflation might affect home prices, how amortization tables work, etc... will help you make a much more informed decision about what is right for you.
hi! how do you predict consumer happiness/decision making etc during unprecedented times like this, when such a scenario may not have taken place before and you do not have much data to go on? also since the research you do and the data you collect are relevant to sales, do you see advertisements being affected by the pandemic in the long run from any changes in consumer mindset? It's really hard to predict much of anything right now. There are some basic behaviors and experiences that we can expect during a pandemic (e.g. increased anxiety, defaulting to familiar experiences, increased online shopping), but the reality is you're right...we just don't know. There's virtually no data on pandemic psychology/behavior, and all the pop-science stuff you read is just guessing at what will happen.
As for advertising, I think that once the pandemic is over, life will be back to what it was beforehand in almost every respect. People are amazing to adapting to changing circumstances. We are all doing that now with the pandemic and will all do that again when it's over. I don't think that advertising will be any different. Give it a year after we're all vaccinated (or whatever winds up being the solution) and most people will largely forget that we even had a pandemic. Yes, some will have big changes like lost loved ones or lost jobs, but for most people, life will return to what it was before Covid hit.
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thank you for answering, that is very interesting! the data you collect seems to be applicable to so many different fields. i asked about advertising as a student interested in media, but i can see it being useful in various types of companies be it internet security, food, travel etc. your job sounds really cool and i will definitely check out your YouTube channel :) Thanks!
Did you ever get to meet Herbert Simon? Wasn't he interested in similar things? I wish! I've been at CMU for 11 years. Simon passed away in 2001, so I missed him by a few years.
And yes, Simon was one of the original researchers into what's known as Bounded Rationality, it's the idea that humans don't act like computers and process all information simultaneously, but rather use heuristics and shortcuts to accomplish most tasks.
How influential was the work of Daniel Kahnemann to your current teaching? VERY! I don't know Danny personally, but my advisor got his PhD at Princeton when Danny was there, so lots of indirect influence that way. More generally, the field of decision making was build on his (and others) work, so hard not to be influenced.
Do you have any opinions on investors behavior during covid 19? More specifically how certain financial firms may have targeted people who have or would dabble in market that have recently lost work due to the pandemic? Caveat: I am not a finance professor. That said, my read is that fear of missing out (FOMO) is driving a lot of unexpected behaviors. The market has rallied like crazy since the March low and everyone wants in on that. It's hard to sit by and watch others make a killing while you don't.
As for practices like getting people who don't typically to invest to do so, there's two sides to this. On the one hand, getting more people involved with investing is a great thing. It used to be only that the very wealthy could invest and reap the benefits of the market, but now with places like Robinhood and fee-free trading on Schwab and the like, everyone can participate. On the other hand, MANY people don't understand risk well at all. They just see the possible upside and ignore the possibility of losing a lot (see that guy that committed suicide b/c of a terrible options trade...that's horrible). So firms and gov't have a responsibility to both educate investors and provide safeguards against uninformed behaviors.
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Hello, I just want to specify something in your comment! The young college student who committed suicide did so because a misprogrammed number on the trading site, Robinhood. Of course at the time he did not know it, but the value loss that was near $800,000, was showing the loss of the entire option, not his equity in the option, which was -$1,000 - -$2,000 if I remember right. It was Robinhood's terrible interface, not his misunderstanding of risk, which is horrible. If you would like a misunderstanding of risk on trading platforms, look no further than wallstreetbets, of course as you said FOMO is a huge factor, or if you're interested, some trading platforms intentionally advertise to consumers without properly representing risk. Thank you very much for this AMA, it has been quite insightful! Thanks so much for that clarification!
I have a question re: dating sites / apps. Is there a way to structure incentives so that the company is motivated to find good pairings between users? It feels like Tinder, Bumble, Hinge, etc. don't have such an incentive currently I think they do have an incentive to make good pairings. Word of mouth is their strongest asset so having good matches is key. The challenge is that good matches are hard to come by and not everyone agrees on what good is. Is good marriage? Is it a fun night? Not clear.
Hello Professor and thank you for taking this time. As a professional that works in marketing and a person who suffers from mental illnesses, it is often disheartening for me to see so much valuable research and findings be easily made available for use by companies for marketing and consumer exploitation while it is so difficult for those who are struggling to find information that could be beneficial to living their lives more freely. What are your thoughts on this, and do you think there are ways we could change the system to better benefit individuals needs directly? The connection between marketing academia, marketing industry, and consumers just sucks. No one outside of academia reads marketing academic journals. Few in academia care if their work has applications (even in an applied field like marketing). And consumers can't be bothered (rightfully) to read through academic work to learn.
Some solutions that I've seen that work: - Marketing Science Institute: this is an organization whose entire goal is link academia and practice. They have conferences where they invite folks from both sides to collaborate. More of this please! - Pop-science social science books like Freakonomics, Blink, Predictably Irrational, etc...: They all have plenty of shortcomings, but the authors all do an amazing job of conveying the ideas of academia to the public. I think that's fantastic. More of this too please! - Consulting for non-profits. I do this and many others do as well. We use our knowledge to help non-profits do their amazing work. This is a way to avoid that "exploitation" you mentioned and instead use what we know to help others. There's not much money in this kind of consulting, which is why few do it, but it's really important. Maybe some kind of granting agency could earmark money for non-profits to hire academic consultants to help them use what we know to help the world. That would be awesome
hey, I'm a recent advertisement graduate, it's good to see someone from such a familiar field here anyways, when I do groceries, I always follow the list to a T, and I take no time at all getting the items, basically, I go against every little trick supermarkets have to "seduce" the customer, so my question is: what makes someone a "good customer"? is it someone highly susceptible to the marketing tricks at the market or someone who spends both their money and time more efficiently? Good can mean different things here. You sound like you're probably super loyal to products. That's pretty great for most companies. The fact that you don't succumb to unintended purchases definitely makes you less attractive in one capacity, but your predictability makes you very attractive in other ways. If I could run a company where every customer always bought the same thing every week, I would LOVE that. I would know how to schedule raw material purchases, delivery schedules, etc... I would have a steady and dependable income. If, however, I relied just on getting lucky and catching the eye of customers as they passed my products on store shelves, that would be a whole lot more difficult a business plan to execute.
Hi Jeff, I have always geared my life towards maxing out the benefits and deducting the losses for example leaving my family in order to search for better life oportunities, ditching jobs where I felt safe in favor of new and more promising ones. And by this logic I have reached quIte far in my life. But at the end achieving all this goals don't yields the expected satisfaction. However I'm pretty sure that don't doing this would be even worse. Why does it seems that no matter if the desitions taken are the best at my point of view it still seems like I need more than the goals I have achieved. Why is disatisfaction the expected result? Wow, that's a lot to give up for goals! People are inherently likely to make what are known as upward comparisons. We don't look at the people who we have done better than, but instead focus on the few who done better than us. The classic example is Silver Olympic medalists. They should be elated, but instead they just covet the Gold medalist.
Beyond that, in your specific case, it's hard to say for sure, but we know that close relationships are the number one driver of life satisfaction. If you've given those all up in pursuit of some other goal, that might explain things a bit. Take that with a grain of salt as all I know about you is summed up in 100 words or so!
Hello Jeff, glad to see this AMA here! I'm a statistics student in Brazil (one of my professors got his doctorate degree at Carnegie Mellon University, in fact!). Much of what we learn nowadays is related to careers pertaining the finance fields. Other stuff includes academic research mixed with other fields. I see myself as a data analyst for a big bank someday, but I always think: is there any career for a data scientist thats underrated by modern standards but still awesome and rewarding, in your opinion? Go work for a non-profit! It's now where the money is, but many need help from data scientists. You can actually change the world that way!
Which US dollar bill is your favorite? Cash? You still use cash?
the below is a reply to the above
For coke yeah Oh, in that case.... Nope, not replying and losing my tenure :)
the below is a reply to the above
Prof, you have a bias. OP mean Coca Cola. I don't drink soda either :)
submitted by 500scnds to tabled [link] [comments]


2020.10.23 22:51 bigbear0083 Wall Street Week Ahead for the trading week beginning October 26th, 2020

Good Friday evening to all of you here on StockMarket. I hope everyone on this sub made out pretty nicely in the market this past week, and is ready for the new trading week ahead.
Here is everything you need to know to get you ready for the trading week beginning October 26th, 2020.

There’s a big week ahead for the market with an earnings deluge, GDP data and stimulus negotiations - (Source)

About a third of the S&P 500 companies report earnings, including Apple and Microsoft, but uncertainty around stimulus and the presidential election could loom larger for markets in the week ahead.
There is also important economic data on the calendar, with a first look at third-quarter gross domestic product Thursday. After the second quarter’s shocking 31.4% decline following coronavirus shutdowns, the economy bounced back with growth of 32.5% expected in the third quarter, according to Refinitiv.
Nearly 170 companies report earnings in the coming week, with a diverse group of blue chips among them, including Boeing, Caterpillar, Honeywell, and Merck. There is also a big showing from large tech names. Microsoft reports Tuesday, and Apple, Amazon, Alphabet and Facebook all report in a small window just after the market close on Thursday.
“For some of these stocks that have run a long way, the bar for those stock to respond to good earnings is higher,” said Julian Emanuel, head of equities and derivative strategy at BTIG.
So far about 85% of S&P companies that have reported earnings beat estimates, about 20 percentage points more than the long term average. Companies have been reporting earnings more than 16% above estimates, and the expectation is that earnings overall will be down about 18%, based on actual results and forecasts, according to I/B/E/S data from Refinitiv.
The Dow Jones Industrial average fell 0.95% for the week, breaking a 3-week win streak as coronavirus fiscal negotiations dragged on and tech shares declined.
“We’ve offered compromises, the speaker on a number of issues is still dug in,” said Treasury Secretary Steven Mnuchin on Friday. “If she wants to compromise, there will be a deal. But we’ve made lots of progress in lots of areas, but there’s still some significant areas that we’re working through.”
His comments knocked stocks down a bit midday Friday.
“It’s been a muted reaction to earnings overall,” said Leo Grohowski, chief investment officer at BNY Mellon Wealth Management. “So I’m disappointed, in a way, as a fundamentally focused chief investment officer, that the stimulus saga seems to be what it’s all about day in and day out, hour by hour. It’s the stimulus saga, the election looming and the Covid resurgence. Those three things have sort of made earnings a page four story.”
With a week to go before the Nov. 3 election, the market could be a bit more volatile, especially if the outcome looks increasingly less certain.
“The market is going to focus on the state of stimulus. It’s going to focus on whether the polls are tightening or widening with regard to the probability of having an unclear outcome, contested outcome or both,” said Emanuel.
Former vice president Joe Biden’s lead has narrowed slightly but he is still ahead in swing state polls.
“We are experiencing a little bit of the calm before the storm here. I do think we are going to get some 1%, 2% daily moves depending on the news...I think you could see a 3% to 5% down opening the following day [after the election] pretty easily,” said Grohowski. “I think the market has grown increasingly comfortable with a cleaner result, even if the cleaner result is an all blue result, which potentially would result in a higher tax regime.”
Strategists say the market began to focus more on the possibility of a Democratic sweep, where Democrats take the White House and Congress. That could mean a bigger stimulus package, and some strategists believe tax hikes would be delayed until the economy is on more solid ground.
“As we get closer to the election, we’re likely to see more volatility no matter what the outcome,” said Grohowski.
Emanuel said investors are not adequately hedged for an uncertain outcome. “Active managers have the most net long positions they’ve had in a number of years because they’re fearful of missing a year-end rally,” said Emanuel. “The options market in no way, shape or form is telling you people are hedged right here. The market is discounting a slight volatility, not expected to be persistent into year end.”
Emanuel said the options market indicates investors do expect some volatility but not through year end, as some investors began hedging for several months ago.
“What we see by and large is again the bump in volatility. It’s really only anticipating a 2% or 3% move in the market either way, after the election, and then the expectation is to likely moderate after that,” Emanuel said.
The final trading day of October is on Friday, so there could also be some added volatility as fund managers readjust their portfolios between bonds and stocks. In the past week, Treasury yields broke out of a four-month range. The 10-year yield rose above 0.80% for the first time since June, and while it could move higher, strategists expect its move to be contained.

This past week saw the following moves in the S&P:

(CLICK HERE FOR THE FULL S&P TREE MAP FOR THE PAST WEEK!)

Major Indices for this past week:

(CLICK HERE FOR THE MAJOR INDICES FOR THE PAST WEEK!)

Major Futures Markets as of Friday's close:

(CLICK HERE FOR THE MAJOR FUTURES INDICES AS OF FRIDAY!)

Economic Calendar for the Week Ahead:

(CLICK HERE FOR THE FULL ECONOMIC CALENDAR FOR THE WEEK AHEAD!)

Percentage Changes for the Major Indices, WTD, MTD, QTD, YTD as of Friday's close:

(CLICK HERE FOR THE CHART!)

S&P Sectors for the Past Week:

(CLICK HERE FOR THE CHART!)

Major Indices Pullback/Correction Levels as of Friday's close:

(CLICK HERE FOR THE CHART!

Major Indices Rally Levels as of Friday's close:

(CLICK HERE FOR THE CHART!)

Most Anticipated Earnings Releases for this week:

(CLICK HERE FOR THE CHART!)

Here are the upcoming IPO's for this week:

(CLICK HERE FOR THE CHART!)

Friday's Stock Analyst Upgrades & Downgrades:

(CLICK HERE FOR THE CHART LINK #1!)
(CLICK HERE FOR THE CHART LINK #2!)
(CLICK HERE FOR THE CHART LINK #3!)

Nasdaq vs. Dow Outperformance

You may not realize it, but while the Tech-heavy Nasdaq Composite is up a ridiculous 28% so far in 2020, the Dow Jones Industrial Average is still in the red on the year.
Below is a table showing the Dow and Nasdaq's annual percentage change since 1972 when the Nasdaq came into existence. Were the year to end now, the Nasdaq would be outperforming the Dow by 28.65 percentage points. This would be the third strongest outperformance for the Nasdaq on record and the strongest since 1999 when the spread was 60 percentage points!
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
(CLICK HERE FOR THE CHART!)
Below are all years since 1972 in which the Nasdaq outperformed the Dow by at least ten percentage points. The Nasdaq has posted an annual gain of 20%+ in seventeen different years, but never in a year when the Dow was in the red. Probably the year that most resembles 2020 in terms of the performance spread is 1979 when the Nasdaq rose 28.11% and the Dow rose just 4.19%. Following that year in 1980, both the Dow and Nasdaq surged again and the Nasdaq outperformed by another 18.9 percentage points.
Interestingly, of the twelve years where the Nasdaq outperformed the Dow by more than ten percentage points, the Nasdaq went on to beat the Dow again in the next year eleven out of twelve times. The only time we've seen the Nasdaq crumble versus the Dow in the following year was in 2000 after 1999's outperformance. In 1999, the Nasdaq beat the Dow by a humongous 60 percentage points. After that large gap, though, the Nasdaq ran out of gas in 2000 and underperformed the Dow by 33 percentage points when the Dot Com Bubble finally burst.
(CLICK HERE FOR THE CHART!)

Leading Indicators Show Slowing Pace of Economic Recovery

The Federal Reserve’s (Fed) Beige Book presented qualitative data that suggested the pace of the economic recovery had been tapering, as we discussed in the LPL Research blog, Beige Book Shows Pace of Recovery is Moderating, but now we have quantitative data that is confirming the survey data. The Conference Board’s Leading Economic Index (LEI) increased 0.7% month over month in September to beat Bloomberg consensus expectations of 0.6%, but slowed after rising 1.4% in August and 2% in July.
As shown in the LPL Chart of the Day, the leading indicators are still growing, but at a slower rate than the blistering pace seen in the initial months after emerging from lockdowns.
(CLICK HERE FOR THE CHART!)
Growth in the LEI in September was primarily driven by the improvement in jobless claims, as well as continued strength in building permits for new private housing—a trend that matches the behavioral shifts to accommodate work from home conditions during the pandemic. The pullback in stock prices last month and manufacturers’ new orders were the lone detractors from the LEI in September.
“It comes as no surprise that growth began to level off after the surge over the summer, and the softer LEI print is suggesting the economy could be losing momentum heading into the fourth quarter,” said LPL Chief Investment Officer Burt White. “However, despite the slowing momentum, we still expect solid economic growth in Q4, just not quite at the same rate in Q3.”
The decline in manufacturers’ new orders is likely in relation to election uncertainty, which should prove transitory. However, the recent rise in COVID-19 cases in both Europe and the United States may cause business activity to slow, even if no additional lockdowns are mandated. As we head into the fourth quarter, we will continue to monitor real-time data for any additional clues about the pace of the economic recovery.

Halloween Trading Strategy: S&P 500 Up 85% of the Time

Next week provides a special short-term seasonal opportunity, one of the most consistent of the year. The last 4 trading days of October and the first 3 trading days of November have a stellar record the last 26 years. From the tables above & below:
  • Dow up 77% of the time, 20 of last 26 years, average gain 2.05%.
  • S&P up 85% of the time, 22 of last 26 years, average gain 2.11%.
  • NASDAQ up 85% of the time, 22 of last 26 years, average gain 2.67%.
  • Russell 2000 up 77% of the time, 20 of last 26 years, average gain 2.31%.
Many refer to our Best Six Months Tactical Seasonal Switching Strategy as the Halloween Indicator or Halloween Strategy and of course “Sell in May”. These catch phrases highlight our discovery that was first published in 1986 in the 1987 Stock Trader’s Almanac that most of the market’s gains have been made from October 31 to April 30, while the market tends to go sideways to down from May through October.
Recent market weakness has held off our Seasonal MACD Buy Signal so far, but it could trigger anytime now. Uncertainty abounds with surging covid-19 cases, a heated presidential election and persistently elevated unemployment. However, each day that passes is one day closer to a covid-19 vaccine. Interest rates are low and ample liquidity is available to support the market and the economy. Additional fiscal stimulus also appears to be coming soon. Debate continues on the amount, but both parties do appear to agree it is needed in one form or another.
(CLICK HERE FOR THE CHART!)
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(CLICK HERE FOR THE CHART!)

"Quitters"

Like an old pair of "quitters" that keep falling down because their elasticity is shot, the market has had its own trouble staying up over the last few trading days. Today isn't over yet, but if the S&P 500 finishes around current levels it will mark the fourth straight day of finishing down at least half of one percent from its intraday high. Compared to the three days before, today's pullback from an intraday high has actually been pretty mild up to this point. Following Monday's 2%+ decline from the intraday high shortly after the open, yesterday, the S&P 500 traded down close to 1% from its afternoon high. These two reversals followed Friday's late-day sell-off when the S&P 500 finished the day down 0.75% from its intraday high.
(CLICK HERE FOR THE CHART!)
While it's disheartening to see the market erasing early gains as the day goes on, it's helpful to put the last four trading days into perspective. Over the last 25 years, it hasn't been uncommon for the S&P 500 to finish the day down at least 0.5% from an intraday high for four days in a row. The current streak, if it holds, would be the 158th such streak of four or more days. That works out to more than six a year. There have also been a number of streaks that were much longer than the current one. In fact, it was only a month ago that the S&P 500 went 11 straight days of finishing the day down at least 0.5% from its intraday high, and besides that streak, there have been five other streaks that spanned ten or more trading days.
(CLICK HERE FOR THE CHART!)

October Optimism For Homebuilders

Given housing inventories remain historically low thanks to still strong demand, homebuilders have plenty to be optimistic about. The National Association of Home Builders (NAHB) has continued to show this strength as its monthly sentiment survey set a record high for the month of October. Back in August, the index tied the previous record level of 78 from December of 1998. Over the past two months, it has only raised that bar, coming in at 85 this month; 2 points above forecasts and last month's reading of 83.
(CLICK HERE FOR THE CHART!)
The rise in the index comes on broad strength across each of the sub-indices. Present Sales, Future Sales, and Traffic all matched or made record highs in October. The only sub-index that was not higher was for Traffic, though, it was unchanged at a record high.
(CLICK HERE FOR THE CHART!)
As for the look across each of the four US regions, the West and Northeast both saw sizeable upticks to new records, but sentiment in the Midwest and South were actually slightly lower. For the Northeast, this is the third record in a row. Meanwhile, the West's record high in October finally surpassed the prior high of 91 from October of 2005. Finally, even though sentiment fell in the Midwest and South, both remain at higher levels now than any month other than September's record highs.
(CLICK HERE FOR THE CHART!)

STOCK MARKET VIDEO: Stock Market Analysis Video for Week Ending October 23rd, 2020

(CLICK HERE FOR THE YOUTUBE VIDEO!)

STOCK MARKET VIDEO: ShadowTrader Video Weekly 10.25.20

(CLICK HERE FOR THE YOUTUBE VIDEO!)
Here are the most notable companies (tickers) reporting earnings in this upcoming trading week ahead-
  • $AAPL
  • $AMZN
  • $MSFT
  • $AMD
  • $UPS
  • $FB
  • $SHOP
  • $BA
  • $HAS
  • $PFE
  • $SMPL
  • $MMM
  • $TWLO
  • $GE
  • $FSLY
  • $PINS
  • $NOK
  • $TWTR
  • $MRNA
  • $CHGG
  • $ETSY
  • $SAP
  • $CAT
  • $LGND
  • $FVRR
  • $SPOT
  • $GOOGL
  • $LLY
  • $GILD
  • $RTX
  • $TDOC
  • $OSTK
  • $V
  • $ATVI
  • $MA
  • $XOM
  • $ABBV
  • $HCA
  • $SHW
  • $F
  • $NVS
  • $NRZ
  • $MRK
(CLICK HERE FOR NEXT WEEK'S MOST NOTABLE EARNINGS RELEASES!)
(CLICK HERE FOR NEXT WEEK'S HIGHEST VOLATILITY EARNINGS RELEASES!)
Below are some of the notable companies coming out with earnings releases this upcoming trading week ahead which includes the date/time of release & consensus estimates courtesy of Earnings Whispers:

Monday 10.26.20 Before Market Open:

(CLICK HERE FOR MONDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Monday 10.26.20 After Market Close:

(CLICK HERE FOR MONDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!)

Tuesday 10.27.20 Before Market Open:

(CLICK HERE FOR TUESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Tuesday 10.27.20 After Market Close:

(CLICK HERE FOR TUESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR TUESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #2!)

Wednesday 10.28.20 Before Market Open:

(CLICK HERE FOR WEDNESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR WEDNESDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #2!)

Wednesday 10.28.20 After Market Close:

(CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #2!)
(CLICK HERE FOR WEDNESDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #3!)

Thursday 10.29.20 Before Market Open:

(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #2!)
(CLICK HERE FOR THURSDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES LINK #3!)

Thursday 10.29.20 After Market Close:

(CLICK HERE FOR THURSDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #1!)
(CLICK HERE FOR THURSDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES LINK #2!)

Friday 10.30.20 Before Market Open:

(CLICK HERE FOR FRIDAY'S PRE-MARKET EARNINGS TIME & ESTIMATES!)

Friday 10.30.20 After Market Close:

(CLICK HERE FOR FRIDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!)

Apple, Inc. $115.04

Apple, Inc. (AAPL) is confirmed to report earnings at approximately 4:30 PM ET on Thursday, October 29, 2020. The consensus earnings estimate is $0.69 per share on revenue of $63.72 billion and the Earnings Whisper ® number is $0.80 per share. Investor sentiment going into the company's earnings release has 76% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 77.23% with revenue decreasing by 0.50%. The stock has drifted lower by 72.0% from its open following the earnings release to be 27.7% above its 200 day moving average of $90.06. Overall earnings estimates have been revised lower since the company's last earnings release. On Thursday, October 8, 2020 there was some notable buying of 84,327 contracts of the $140.00 call expiring on Friday, January 15, 2021. Option traders are pricing in a 6.1% move on earnings and the stock has averaged a 3.9% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Amazon.com, Inc. -

Amazon.com, Inc. (AMZN) is confirmed to report earnings at approximately 4:10 PM ET on Thursday, October 29, 2020. The consensus earnings estimate is $7.27 per share on revenue of $92.82 billion and the Earnings Whisper ® number is $7.93 per share. Investor sentiment going into the company's earnings release has 84% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 71.87% with revenue increasing by 32.64%. Short interest has decreased by 24.0% since the company's last earnings release while the stock has drifted lower by 1.2% from its open following the earnings release to be 24.4% above its 200 day moving average of $2,576.07. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 16, 2020 there was some notable buying of 5,419 contracts of the $3,300.00 call expiring on Friday, November 20, 2020. Option traders are pricing in a 7.1% move on earnings and the stock has averaged a 4.0% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Microsoft Corp. $216.23

Microsoft Corp. (MSFT) is confirmed to report earnings at approximately 4:10 PM ET on Tuesday, October 27, 2020. The consensus earnings estimate is $1.53 per share on revenue of $35.67 billion and the Earnings Whisper ® number is $1.62 per share. Investor sentiment going into the company's earnings release has 81% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 10.87% with revenue increasing by 7.91%. Short interest has decreased by 8.1% since the company's last earnings release while the stock has drifted higher by 4.4% from its open following the earnings release to be 14.1% above its 200 day moving average of $189.52. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 16, 2020 there was some notable buying of 96,053 contracts of the $250.00 call expiring on Friday, December 18, 2020. Option traders are pricing in a 4.5% move on earnings and the stock has averaged a 2.3% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Advanced Micro Devices, Inc. $81.96

Advanced Micro Devices, Inc. (AMD) is confirmed to report earnings at approximately 4:15 PM ET on Tuesday, October 27, 2020. The consensus earnings estimate is $0.35 per share on revenue of $2.56 billion and the Earnings Whisper ® number is $0.37 per share. Investor sentiment going into the company's earnings release has 80% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 94.44% with revenue increasing by 42.14%. Short interest has decreased by 43.5% since the company's last earnings release while the stock has drifted higher by 8.6% from its open following the earnings release to be 34.7% above its 200 day moving average of $60.86. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 23, 2020 there was some notable buying of 19,549 contracts of the $90.00 call expiring on Friday, October 30, 2020. Option traders are pricing in a 9.0% move on earnings and the stock has averaged a 5.9% move in recent quarters.

(CLICK HERE FOR THE CHART!)

United Parcel Service, Inc. $171.90

United Parcel Service, Inc. (UPS) is confirmed to report earnings at approximately 6:00 AM ET on Wednesday, October 28, 2020. The consensus earnings estimate is $1.82 per share on revenue of $19.95 billion and the Earnings Whisper ® number is $2.01 per share. Investor sentiment going into the company's earnings release has 81% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 12.08% with revenue increasing by 8.91%. Short interest has decreased by 57.4% since the company's last earnings release while the stock has drifted higher by 24.9% from its open following the earnings release to be 42.1% above its 200 day moving average of $120.99. Overall earnings estimates have been revised higher since the company's last earnings release. On Thursday, October 8, 2020 there was some notable buying of 5,193 contracts of the $195.00 call expiring on Friday, November 20, 2020. Option traders are pricing in a 7.9% move on earnings and the stock has averaged a 7.7% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Facebook Inc. $284.79

Facebook Inc. (FB) is confirmed to report earnings at approximately 4:05 PM ET on Thursday, October 29, 2020. The consensus earnings estimate is $1.92 per share on revenue of $19.64 billion and the Earnings Whisper ® number is $2.03 per share. Investor sentiment going into the company's earnings release has 78% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 9.43% with revenue increasing by 11.26%. Short interest has decreased by 16.8% since the company's last earnings release while the stock has drifted higher by 11.3% from its open following the earnings release to be 26.9% above its 200 day moving average of $224.40. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, October 23, 2020 there was some notable buying of 22,964 contracts of the $300.00 call expiring on Friday, October 30, 2020. Option traders are pricing in a 7.5% move on earnings and the stock has averaged a 4.9% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Shopify Inc. -

Shopify Inc. (SHOP) is confirmed to report earnings at approximately 7:00 AM ET on Thursday, October 29, 2020. The consensus earnings estimate is $0.53 per share on revenue of $636.31 million and the Earnings Whisper ® number is $0.84 per share. Investor sentiment going into the company's earnings release has 77% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 178.95% with revenue increasing by 62.93%. Short interest has decreased by 4.8% since the company's last earnings release while the stock has drifted lower by 7.3% from its open following the earnings release to be 36.7% above its 200 day moving average of $750.62. Overall earnings estimates have been revised higher since the company's last earnings release. On Tuesday, October 20, 2020 there was some notable buying of 1,056 contracts of the $950.00 put expiring on Friday, November 20, 2020. Option traders are pricing in a 8.4% move on earnings and the stock has averaged a 6.8% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Boeing Co. $167.36

Boeing Co. (BA) is confirmed to report earnings at approximately 7:30 AM ET on Wednesday, October 28, 2020. The consensus estimate is for a loss of $2.23 per share on revenue of $14.56 billion and the Earnings Whisper ® number is ($2.01) per share. Investor sentiment going into the company's earnings release has 20% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 253.79% with revenue decreasing by 27.13%. Short interest has decreased by 12.0% since the company's last earnings release while the stock has drifted lower by 3.2% from its open following the earnings release to be 12.5% below its 200 day moving average of $191.18. Overall earnings estimates have been revised lower since the company's last earnings release. On Friday, October 16, 2020 there was some notable buying of 24,464 contracts of the $170.00 call and 12,348 contracts of the $170.00 put expiring on Friday, November 20, 2020. Option traders are pricing in a 6.3% move on earnings and the stock has averaged a 2.5% move in recent quarters.

(CLICK HERE FOR THE CHART!)

Hasbro, Inc. $92.00

Hasbro, Inc. (HAS) is confirmed to report earnings at approximately 6:30 AM ET on Monday, October 26, 2020. The consensus earnings estimate is $1.67 per share on revenue of $1.78 billion and the Earnings Whisper ® number is $1.72 per share. Investor sentiment going into the company's earnings release has 65% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 9.24% with revenue increasing by 13.00%. Short interest has decreased by 6.6% since the company's last earnings release while the stock has drifted higher by 22.6% from its open following the earnings release to be 17.6% above its 200 day moving average of $78.24. Overall earnings estimates have been revised lower since the company's last earnings release. On Friday, October 23, 2020 there was some notable buying of 1,315 contracts of the $95.00 call expiring on Friday, October 30, 2020. Option traders are pricing in a 11.1% move on earnings and the stock has averaged a 9.3% move in recent quarters.

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Pfizer, Inc. $38.18

Pfizer, Inc. (PFE) is confirmed to report earnings at approximately 6:45 AM ET on Tuesday, October 27, 2020. The consensus earnings estimate is $0.70 per share on revenue of $12.27 billion and the Earnings Whisper ® number is $0.77 per share. Investor sentiment going into the company's earnings release has 58% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 6.67% with revenue decreasing by 3.23%. The stock has drifted lower by 0.9% from its open following the earnings release to be 6.0% above its 200 day moving average of $36.03. Overall earnings estimates have been revised higher since the company's last earnings release. On Tuesday, October 13, 2020 there was some notable buying of 51,244 contracts of the $41.00 call expiring on Friday, November 20, 2020. Option traders are pricing in a 6.2% move on earnings and the stock has averaged a 3.2% move in recent quarters.

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DISCUSS!

What are you all watching for in this upcoming trading week?
I hope you all have a wonderful weekend and a great trading week ahead StockMarket.
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2020.10.23 10:33 Logiman43 How PIS destroyed Poland.

EDIT: This post is in an article format with pictures and graphs here
I can't be silent anymore. In 2018, out of 1076 abortions in Poland, 1 was because of rape, 25 because it was dangerous for the woman's life and 1050 because of an unhealthy fetus. It means that PIS just totally banned abortion in Poland
Too few Europeans are aware of the depth of this crisis. The current Polish government is destroying the country from inside-out with its nepotism, religious zeal, communistic tactics, social programs and funding verge organizations (or trolls). It breaks every single law, making unconstitutional laws since 2015 and destroying the court of law. How Poland is pushing EU into crisis - rise of populism. The video is 2 years old and now it's worst
PIS staffed every single judicial court with its own people (ending the impartiality of judges). The very aggressive social 500+ program increased the job inactivity of Poles to 48% (48% of 15+ Polish citizens are NEET. Unemployment is at 5-6%). The Job vacancies in Poland are at the lowest level in EU. The corruption and nepotism is rampant, more than 1000 family members and friends are in public companies or in different Ministries. Polish PIS high ranking politicians are also making money together with pimps and mafia (see scandals down there). They are also giving millions of euros from public money to the Catholic Church. They are paying trolls to spew hate on Facebook, via Whatsapp and on the web. Some of them are hiding and not prosecuting pedophiles in the Catholic Church. Poland has almost the lowest innovation in EU. In 15 indexes tracking freedom and democracy in Europe Poland went from an average position of 12 out of 28 in 2010 to 23 out of 28 in 2019. I mean, not to diminish Trump’s “awesomeness” but imagine if the WHOLE republican party in the US was Trump-like. Shady deals, family in the govt, creating discord, staffing courts with their own judges. I’m just mortified.
For further reading I recommend: Sadurski, Wojciech. "Poland's Constitutional Breakdown", Oxford University Press, 2019.
Acronyms and main characters:

PiS changes electoral rules in an unconstitutional move. Presidential "elections" 2020 are the Biggest legal blunder of the year

Poland Is Showing the World How Not to Run a Pandemic Election. The upcoming Polish election is shaping up to be a farce. Washington should learn from Warsaw’s mistakes before November.
Why Poland’s “ghost election” sends a warning about its democracy
Wikipedia about this blunder

Destruction of the rule of law.

Some of the passages below are taken from this pdf
No member state in the history of the EU has ever gone as far in subjugating its courts to executive control as the current Polish government. The Polish case has become a test whether it is possible to create a Soviet-style justice system in an EU member state; a system where the control of courts, prosecutors and judges lies with the executive and a single party.
Across Europe, national courts recognise the judgements of courts in other member states, whether these involve commercial law, the European arrest warrant or child custody. Judges must assume that courts across the EU operate according to common values and principles set out in the European Union Treaty and in its Charter of Fundamental Rights. Once judges across the EU have reason to doubt whether courts in any member state provide effective judicial protection, the legal order on which the EU rests collapses.
Freedom house - How PIS captured Poland’s Courts

Constitutional Tribunal changes

It all began with the constitutional crisis four years ago. Constitutional crisis and the destruction of the rule of law In 2015, parliament changed the law on the Constitutional Tribunal, which rules on the constitutionality of legislation. The changes allowed them to annul the nominations of three judges made by the previous parliament and appoint their own. It shortened the terms of the tribunal's president and vice-president from nine to three years. The tribunal ruled the move unconstitutional in an open rebellion, but the dispute remains unresolved. Julia Przylebska - was illegally named the president of the Tribunal court by the president. And now Kaczynski, the PM have meetings at her house. Nice separation of power
There's too much to describe. For further info please visit the link. It is an amazing summary of the whole ordeal. timeline

Supreme Court changes

The European Commission, the EU's executive arm, said one of the most controversial reforms was to do with the Supreme court, which, among other duties, is responsible for confirming election results. The idea was to lower the age of retirement for Supreme Court justices from 70 to 65, but allow the Polish president to grant a five-year extension to whomever they deemed worthy. In 2019, the European Court of Justice (ECJ) — the EU's highest court —ruled this was illegal, after an interim decision ordered 20 already-sacked judges be reinstated. Of course, PIS chose 2 new Constitutional judges, A politician Pawlowicz with communistic past and Piotrowicz, also a politician and a prosecutor that was an active communist during the 80 that prosecuted Solidarnosc. Both of them are above 65 years old.

Ordinary court judges

There were also moves to try a similar tactic in the general court system for judges and public prosecutors, lowering the age of retirement for women to 60 and for men to 65, down from the current 67. Under the reforms the justice minister, who is appointed by the ruling party, would have the power to extend a judge's term. The laws were somewhat adjusted after pressure from the European Commission, but in November 2019 the ECJ shot down these laws, too, citing gender discrimination and political influence over the judiciary.

Disciplinary measures for judges

Another PiS addition allowed judges to be investigated and sanctioned for their court rulings. The disciplinary hearings and procedures were to be carried out by judges selected via parliament. These reforms were criticized by the European Commission because "judges are not insulated from political control and thus judicial independence is violated." The commission brought legal action against Poland on this matter in October 2019.

National Council of the judiciary takeover

In 2017 PiS remodeled the National Council of the Judiciary, which selects candidates for appointment as judges by the President of the Republic. This allowed it, in the short term, to control appointments to the Supreme Court – including to a newly created Disciplinary Chamber, which hears disciplinary cases against judges, and to a new Extraordinary Appeals Chamber, which adjudicates on electoral issues. Over time PiS’ take-over of the National Judicial Council allows it to reshape the entirety of the judiciary. Fifteen of the 25 members of the National Council of the Judiciary were previously elected by judges themselves, as is common practice across Europe for such bodies. These fifteen judges are now elected by the majority in the Sejm, the lower chamber of the Polish parliament. The other ten members of the National Council of the Judiciary are: four members from the Sejm itself (all four members of PiS), two members from the Senate, one representative of the President of the Republic, the Minister of Justice, the president of the Supreme Court and the president of the Supreme Administrative Court. In total 23 of the 25 positions are directly appointed by political authorities.
After the election of the new KRS, a publication of the list with the names of judges declaring their support for specific candidates was refused. The Supreme Administrative Court ruled that those names must be disclosed. However, the Chancellery of the Sejm has yet to carry out the NSA’s ruling. The Constitutional Tribunal (TK) and the President of the Personal Data Protection Office have been roped into guarding the secret. KRS destruction

Muzzle bill

The muzzle bill passed Dec 2019, victimize judges questioning the legitimacy of the government’s legal appointments, saying it is unlawful to “show hostility to other authorities of the Republic of Poland and its constitutional organs or to critisize the basic principles of the Republic of Poland.”The bill also delegalise the preliminary questions to the Court of Justice of the EU (CJEU). The bill also allows to fire judges ( which is unconstitutional according to the Constitution). In average Ziobro dismissed a judge every day and a half from its position of president of court source

One of the worse Covid19 laws in EU.

Trampling Fundamental freedoms using a single ordnance and Critiquing the President will land you a year in jail. report.
In the latest special Covid19 law (already 4th lol) PIS smuggled an article straight from a communistic playbook about prosecuting people that critique the president. The sentence can be up to a year. They also smuggled a harsher law for abortions. Can someone tell me HOW it is related to Covid19? source
More Ruleoflaw

Political scandals

Illegal presidential pardon

Illegal presidential pardon for CBA chief Kaminski In 2013, Law and Justice (PiS) MP Mariusz Kamiński – who served as head of the anti-corruption agency from 2006 and 2009 – was found guilty of overstepping his powers. He was sentenced to three years in prison and was banned from holding public office for ten years. Polish President Andrzej Duda pardoned Kamiński even though he was still appealing his sentence at the time. The case against Kamiński was then discontinued. A supreme court judge said that the president interfered in the legal process because Kamiński was proven neither innocent nor guilty when he was pardoned, making a future ruling redundant. The judge said that the president can pardon someone after any final appeal has been heard “because then he is not interfering with the judiciary”.

Merging the General Prosecutor with the political Minister of Justice

The general prosecutor role was merged with the minister of justice Ziobro. source. This handed Ziobro and his subordinates greatly expanded power to politically interfere with rank-and-file prosecutors, their decisions, and their freedoms of speech and association. Poland Is Purging Its Prosecutors
200+ public prosecutors that are loyal to the Minister of Justice Ziobro (from PIS) All of them got promotions (or someone from their family) or pay raises. another list

Destroying the military

The creation of a territorial defense unit- a civilian army led by the ministry of defense to control “the situation inside Poland”. In addition, there was a purge of generals. and killing multibillion deals with France. About 37 generals and 47 colonels left. Why? Because they had to answer to a 27-year old assistant to the Defense Minister, former pharmacy assistant without a university degree. The Rzeczpospolita daily newspaper reported that Misiewicz was given a top communications job with PGZ ( largest defense consortiums in Central Europe) that pays $12,500 a month, huge sum in a country where the average pre-tax wage is about $1,150 a month. source
PIS decides to overhaul 40-years old t-72 instead of investing in German tanks. Not enough ammunition, uniforms NVG and other gadget went to the above unit,
In 2015, the Defence minister Macierewicz raided the Nato center in Warsaw at 1am to take control of documents and place their man at the helm

The ministry of Justice is funding trolls to destroy judges

Ziobro-Piebiak paid Troll scandal The Onet news portal published a report alleging that Deputy Justice Minister Łukasz Piebiak “arranged and controlled” an online campaign against Judge Krystian Markiewicz, the head of Iustitia, a judicial organization critical of the government’s efforts to restructure the judicial system, as well as against other inconvenient judges. According to the Onet report, Piebiak operated and financed an online campaign by a woman called Emilia who allegedly sent over 2,000 letters and emails about Markiewicz to other judges as well as to pro-government right-wing media. The messages contained fabricated, semi-confirmed and gossipy details of the judge’s personal life. According to Onet, Emilia obtained Markiewicz’s personal address from Piebiak so she could send him one of the letters.

Taking over the state media

State media was taken over by PIS and is using mass propaganda and here Not only they are a propaganda tube but they also offend polish citizens ie – translation: defenders of pedophiles and alimonies-takers are the ones against judiciary reforms. They call every peaceful protest as a coup
The same can be said about the GUS – general statistical bureau. It is controlled by PIS and it is known to “change” metrics so every Inflation or unemployment metrics can’t be trusted.

LBGT-free zones and Xenophobia.

Fear against refugees and calls for xenophobia. A leaked draft of a new Polish migration policy discriminates against Muslims, ranks foreigners according to ethnicity and breaches human rights
My article Why the Polish government is against LGBT?
PIS is supporting LGBT free zones where a thrid of Poland is declared as LGBT-free. During the presidential elections in 2020 Gay “ideology” is worse than communism, says Duda - PIS president.

Destroying education and HealthCare.

PIS cancels the in vitro program Polish government program that covered most of the in vitro costs was immediately cut by the Law and Justice Party when it came to power in late 2015, even though Poland has one of the lowest birth rates in the EU. Catholic Church opposition to IVF is widely seen as one factor in the Polish government's decision.
PIS also increased the minimum wage at the beginning of 2020. It created a weird paradox where a teacher and a starting MD is earning less than the minimal wage because they get paid from public money and the minimal wage change is for the private sector. And PIS wants to ban sex ed by labeling teachers as gay activists and pedophiles. Critics say Poland’s governing Law and Justice Party is wrecking the education system for political gain — and students are suffering.

Environment?

Destruction of the oldest European forest in Poland by Minister of Environment Szyszko The Bialowieza Forest is a UNESCO World Heritage site that sprawls across the border between Poland and Belarus, occupying almost 580 square miles of woodland and providing home to rare European wood bison among others. At least 10,000 trees are thought to have been felled in Białowieża, since the Polish environment minister, Jan Szyzko tripled logging limits there in 2016. The EU’s highest court has ruled that Poland’s logging in the Unesco-protected Białowieża forest is illegal, potentially opening the door to multi-million euro fines.
“Our (water) resources are comparable to those of Egypt,” it said in the report bearing the ominous title: “Poland, European Desert”

Nepotism and colleagues in state-owned companies

PIS won the elections by wanting to fight nepotism. The most famous was “24yo Misiewicz, a former pharmacy assistant without a university degree was in the defense industry under Macierewicz. The apparent favoritism has raised ethics concerns in a party that won office promising to fight corruption.” source There is even a webpage listing more than 1000 cases of nepotism under PIS Pisiewicze
Latest data show 162M PLN to 84 PIS oligarchs and Colleagues

Illegal budget for 2017

The 2017 budget "was adopted" not in the Sejm assembly hall, but in a smaller room where the so-called parliamentary session was held immediately as a follow-up to the meeting of the parliamentary causus of PIS, where no reliable counting of vates was possible, and with many allegations taht the opposition MPs were not allowed in. [Constitutional Democracy in Crisis?, Oxfoord, 2018, p.268]

Ex-communists in PIS ranks. And PIS is very anti-left and anti-PRL.

They are accusing the opposition – PO - to consist mostly of ex-communists or communistic party members or collaborators. The issue is that most members of PO fought against the communism and spent months/years in prison in the ’80. On the other hand, the PIS party members scarcely fought for polish liberty and some of its party members are former communistic party members or communistic prosecutors like Piotrowicz! Some Polish TC judge are also ex-PRL members. Here is a list in polish of all current PIS party members who served as PRL members during the communistic era. So, PIS is fighting against itself. Another list with 20 names of ex-party members now in PIS

Funding the Catholic church with public money

PIS is very Pro-Catholic, most of their voters are devout Catholics. So it is no surprise that PIS is funding religious orgs from public money. Since Law and Justice came to power in 2015, Father Rydzyk’s businesses have received at least $55 million in subsidies from at least 10 ministries and state companies. His Radio Maryja station, which reaches millions and is often the sole source of information for many older voters in rural Poland, offers a daily diet of horror stories about a world without faith, where gay people control the political agenda, universities are corrupted by “neo-Marxists,” and the Roman Catholic Church is under mortal threat. Rydzyk Embroiled in Corruption Allegations
Hiding Pedophilia. Map of 259 victims of catholic pedophilia. When a documentary was released before recent local elections revealing devastating examples of how priests sexually abused children and how church officials covered it up, many in PIS saw it not as evidence of an institution that lost its way, but one that needed to be defended. Piotrowicz, the above communist prosecutor, dismissed in 2001 a case against a priest accused of raping six girls.
Polish PIS president Duda pardons a paedophile that raped his own daughter. He makes the pardon a week before elections

Smolensk commission

The so-called assassination of Kaczynski's twin president brother in Smolensk created 90M PLN of costs. PIS created a "cult" around his death and even created a special commission that would prove it was an assassination. Kaczynski was using it on every occasion Don't wipe your treacherous mugs with .... Ofc they didn’t prove anything and they buried the topic. Every 10th of every month for 3 years, PIS party leader Kaczynski was making a "show" commemorating his dead twin brother. He was using the police to secure his demonstration even if he has no lawful power (he is neither a president, neither the prime minister). New law expanding police surveillance and the police is getting raises after raises to keep them happy. The commemorations, the commission and the damages (paid only to the politicians’ families, not to the crew) amounted to 91M PLN.

The welfare revolution

PIS is also very pro-family. The party is giving away 500zl per month for every kid. In short, it has “bought” the elections. The polish economy is unable to sustain such an endeavor roots of populism. And it costs the economy 80B PLN between 2016 and 2019. The best part? Rate of births is negative for the last couple of years and inflation is still growing. According to the PIS Stats bureau it is 3.5% and growing. However, many journalists made their own baskets of normal good and services and the inflation is closer to 10%. Additionally there is a growing debt that PIS tries to hide by shifting some debt into other Funds. One of them is the “Solidarity fund” that is not counted in the overall polish GDP, that is to support people with disabilities will pay for the 13th and 14th pension of people 65+.

Funding propaganda and trolls

Computational Propaganda in Poland: Russian troll factories
PIS bought the Pegasus spyware to spy on its citizens In September 2018, private broadcaster TVN24 reported that Poland’s state audit body, NIK, was questioning an outlay of over 33 million zloty (€7.6 million euro) by the Justice Fund, a government fund to help victims of crime. According to TVN, the money went toward the purchase of a “new system to spy on telephones and computers, the most expensive system in the history of Polish secret services.” Reports that the covertly purchased system could be Pegasus — a top-performing spyware that is impossible to track — surfaced last week.
Polish troll farms promoting Duda and Kaczynski

Funding public TV stations

Polish public TV stations should be impartial and public. Not favoring any party nor government and give the same screen time to every party equally. Unfortunately, there was a purge of journalists the moment PIS won the election and the propaganda is stalin-like. Look at this graph how it changed. Polish TVP is the mouthpiece of the govt. In 2020 PIS voted to give an additional 2B pln per year for 5 years to public tv.
Public Main TV making fun of US ambassador by reading the tweet with a derogatory accent

Scandals

PIS has hundreds of scandals that each would destroy a modern government. They defrauded billions of PLN over the years, put 1000’s of family members in different state-owned companies. Below are listed the main sexual and financial scandals.
  1. Sex hotel of the head of the Audit office Marian Banaś , a Law and Justice (PiS) politician and recently appointed chief of Poland’s Supreme Audit Office has been heavily embroiled in a corruption scandal, another to hit the ruling party just weeks before the country votes in a parliamentary election. Mr Banaś served as finance minister from June to August this year, and is a key figure in the party. Mr Banaś concealed his possession of a tenement house in Krakow from his financial disclosures. This property was then revealed to have deep running connections with a local, criminally-run escort agency. He claimed that the house was given to him by an old friend whom he met in the Home Army, which he then renovated. In his disclosures, he claimed he would sell the house, which never happened. Banaś claims that this was due to the buyer’s inability to get a loan. Investigations have further revealed that Mr Banaś agreed to rent the property for 5000 zloty a month, 10,000 zloty lower than its estimated market value, according to Gazeta Wyborcza. Just as the scandal could not apparently get any worse for Mr Banaś, further investigation by journalist Bertold Kittel revealed criminal links. When Mr Kittel entered the property he found at the reception an infamous Krakow criminal known as one of the brothers K – Wiesław or Janusz, who control escort agencies in the region. While still under investigation, there have been suggestions of contact between the two.
  2. "Alleged" Pedophila and Sex trafficking scandal of House speaker Wirtualna Polska learned the contents of the message of CBA officer Wojciech J. to the prosecutor's office about the failure of the head of the CBA, Ernest Bejda. In the background is a lost record with a recording of one of the leading PiS politicians who should have sex with a minor Ukrainian girl lost. His name falls on the document. In the message, Wojciech J. refers to several reports that he was the head of the office in connection with the "unauthorized access to his armored cabinet during his absence" submitted. From this vault, a record should be lost in escort agencies from the Podkarpacie region. One of the leading PiS politicians should have sex with a young Ukrainian in the recording. The statement signed by lawyer Beata Bosak-Kruczek mentions the name of Sejm spokesman Marek Kuchciński.
  3. Health minister Szumowski alleged to have bought £1m of PPE from ski instructor friend during pandemic. And givng away £65m grants to companies run by brother public anger has exploded after Polish newspaper Gazeta Wyborcza reported that Szumowski bought masks with fake certificates from a skiing instructor who is friends with his businessman brother, Marcin. Poland’s Health Ministry reportedly spent five million zloty (£1m) on 120,000 FFP-2 type face masks and 20,000 surgical masks that were later found not to meet safety standards, Politico says. The company that sold the masks was registered on the 30 of March and won the govt. contract on the same day. Critics have also questioned Szumowski’s previous dealings in government. Polish news network tvn24 reports that while serving as deputy science minister in 2016-17, he gave 300 million zloty (£60m) in grants from Poland’s National Centre for Research and Development (NCBR) to OncoArendi Therapeutics, a research company run by his brother. Another company in which Szumowski was a shareholder, Life Science Innovation (LSI), was reportedly given a 24 million zloty (£5m) NCBR grant just days after he took up the ministerial post.
  4. Same Health minister Szumowski bought 1.2 thousand ventilators for PLN 200 million from a company owned by an arms dealer, not a single device was delivered
contd.
submitted by Logiman43 to Polska [link] [comments]


2020.10.21 21:57 CrowGrandFather An unbiased opinion on the Stadia Event after day 2

I wanted to take a moment to talk about the Stadia “Good Stuff” event. I am trying to be as unbiased as I can and pull from some of my experience as a public speaker and instructor to explain how Google set an environment that lead to hype and a lot of emotions.
It’s no big surprise that a lot of people are disappointed with how this event is turning out, and yes I am going to keep referring to it as “an event”. As I browse stadia I see a lot of backlash against the people who are disappointed; most of it saying that we over hyped this event and we shouldn’t be disappointed. One of the more common things I see is that Google only promised “Good Stuff” not mind blowing stuff and, while that’s true, as any public speaker, marketer, or communications major will tell you; communication is about more than just the words you use.
The words you use are important, no doubt, but the context around them is often more important than the actual words themselves. This is where I feel like Google Stadia really dropped the ball; they made the context around this even so much more than what it actually is. That context is what I want to talk about, particularly I want to explain how Google set up an environment with this event and what they were signalling. Let’s dive in.
“Good Stuff” vs. a Connect.
I’ve seen this argument appearing in the comments section a lot and I want to explain why this matters.
We’ve had Stadia connects in the past, two of them actually. They were each about 15-20 minutes long and covered basically the same thing that this event is covering; however Google never referred to them as “Good Stuff”. If Google had said ‘We’re having a Stadia Connect on 20 October.’ we all would have known what that meant; because we’ve already had two. The baseline has been established. Instead Google referred to this event as “Good Stuff” which immediately separates it from a Stadia Connect. In your mind you subconsciously start to think that Google hasn’t called a Stadia Connect “Good Stuff” before so this must be different than a connect.
The next thing that subconsciously separates this event from a Stadia Connect is the time frame. Stadia Connects were a single video, on a single day, yet this event is 3 days long. This further separates the two things. From what we know so far this event it right on track to be the same length overall of a standard connect, but we had no way of knowing that going in. There's some comments saying that 5 minute videos are easier to digest than 15 minute ones, and perhaps that's true; however it's not the length of the individual videos that's important. The length of the event is what mattered. 3 days of videos with no expectation management on length lead to people thinking we were going to get 3 Connect length videos.
And all of this is really important in setting a stage. By using different language and a different timeline Google was telling us that this even is different, this event is something we haven't seen before. This event is special.
The "Special" nature of this event got even further compounded by some truly bizarre timing for announcements. A few days ago the major bomb was released; Cyberpunk 2077 is coming to Stadia on the same day as everything else. This was huge news as it helps to cement Stadia as a real AAA gaming platform and not an afterthought that gets games once the publishers are done with the mainstream market. However, news like this also has a major drawback on the event.
By releasing this news just days before the event Google was unconsciously telling players 'this is cool, but it's not cool enough to be included.' Leaks happen all the time before conferences, I can hardly remember an E3 where one of the headliners wasn't leaked before hand, but those are leaks. With leaks no one really cares if the game is shown again at the event; with an intentional release though things are different. It doesn't make much sense to announce something days before an event if you're then going to just turn around and reannounce the same thing during the event.
These two things combined signaled that this event was really going to be something big because Google was signalling that it was special and also simultaneously signalling that it was bigger than Cyberpunk.
Now I'm fully aware that some of you are going to say I was reading too much into what was said, but as anyone who's studied effective communication will tell you the environment matters. Google did a really good job setting up an environment where expectations were high, and hype was higher.
Even if you still don't believe me on the environment that's ok, because now we're going to discuss the event itself. I'm fully aware that there's still one more video that hasn't been released yet and that's actually what I want to discuss.
The Yes Yes method
In public speaking and teaching there's a common methodology for setting a room. It's called the Yes Yes method. The general principal behind this method is that it's easier to capitalize on neutral or good emotions than it is to recover from negative emotions. With the Yes Yes method you want to get your audience saying "Yes" twice at the beginning to put them in a mood where they're more receptive to you.
When you do any sort of event there's always a debate about whether you start off big or end big. The Yes Yes method would suggest that you should start off with a big announcement to get everyone onboard. Starting off with Star Wars Fallen Order would have been a great start except…..it was already announced almost 6 months ago. So the big Yes Yes for this event was a date. That's how they started off the event, a reminder that this game exists and a date….that's over a month away and right after Cyberpunk. Think about how this would have gone if Fallen Order was announced with zero prior notice, just bam suddenly EA games, and Star Wars to boot.
After that they followed up with everyone's favorite; an indie. Stadia has been heavily criticized for it's Indie to AAA ratio. Indies by themselves aren't bad, but what people have been begging for is more AAA. Instead Google leads off with an Indie as it's first real reveal.
Now Google could absolutely crush it tomorrow and give up some mind blowing announcements, but it'll have been 48 hours of festering. Add to that the fights happening in comments which only leads to even more vitriol. Regardless of how well tomorrow goes people will always have a sour taste in their mouth because the first two days were less memorable.
If this is the new norm for Stadia announcements that's totally fine, but Google needs to be aware of the environment they're setting with these events.
I hope this was informative and helped to capture what I believe is how a large portion of this community is feeling. If this had just been called another Connect then I don't think anyone would have batted an eye, but because Google set an environment they created a certain level of expectation and hype.
submitted by CrowGrandFather to Stadia [link] [comments]


2020.10.21 20:22 reddiketts I am 31 years old make $135k live in Northern Virginia and work as a Management Consultant

Section One: Assets and Debt
Retirement Balance
· $122,600 split between 401k and Roth 401k. In college my first employer offered a 401k match up to 3%. While I had student loans I believe I only contributed 5%. After transitioning to a new company with a new match (25% of the first 6%) increased my 401k contribution to 7%. The firm then brought on a Roth 401k plan about 2 years after I started working there, so then I started investing an additional 8% in the Roth 401k.
· $22,350 in a firm sponsored pension plan. I don’t know much about this plan as it is managed completely by the firm. I became fully vested after 3 years.
Equity
· This is probably the most interesting thing about my money diary, but also may be the most difficult for me to explain. I currently co-own one property with my fiancé (FH) that we own outright. Although we own the property outright in a legal sense, we paid for it using a Home Equity Line of Credit (HELOC), leveraging FH’s parents existing home assets to secure a loan, that was treated as cash during the home buying process. Benefits of leveraging the HELOC were that we could receive a loan with a lower interest rate than a mortgage, that we will also leverage the same loan in future planned construction for the home, and that we were able to close in 15 days which benefited us during the offer process as there was a competing offer. If we had a standard mortgage loan, our home equity would be roughly $229k, with $200k paid initially into the HELOC or what I would consider to be the down payment ($100k from each of us). Once home construction is complete, we will convert the HELOC into a 30 year mortgage loan. That will likely not occur until 2022.
· FH also co-owns another home with his brother that is currently a rental property. I have no legal ties to the property at this time and only have a general idea about the current equity and debt.
Savings account balance
· $33k – this money is a combination of money reserved for existing wedding contracts, safety net, and the payment for our architect, engineering, and site plans for future construction on the home discussed above
Checking account balance
· $14k – At the beginning of the pandemic, I was hoarding cash out of fear. Now I am trying to move most of these funds to the HELOC
Credit card debt
· The average balance of my credit card seems to hover around $2000, however I pay my credit card in full every month so I do not pay interest on my debt
Student loan debt
· None – My parents paid for my first 3 years of college (BS Economics) , and I paid for my last year using student loans (~10k) and paid the loan off in my first two years of my working career. At the time I was living with my aunt and uncle and directed a majority of my income to paying off the loan as quickly as possible.
OTHER
· HSA - $4k – I come from a military family, who’s healthcare was 100% funded by the government. I have been in good health for most of my adult life and did not understand the benefits of HSA contributions until one of my friends, a former healthcare consultant, explained why I needed to be contributing the max contribution every year. I regret not investing in my HSA sooner, especially now that I have a baby on the way.
· Stock - $3k – I invested $3k into robin hood stocks, some are doing great, some are doing terrible, so I am pretty much at break even.
Section Two: Income
I am in this odd middle space where I do not have combined finances with FH but we treat our money as shared. We divide certain expenses between us a bit arbitrarily, and do not monitor each other’s daily spending, but do discuss major purchases. Combined HHI is $235k.
Income Progression:
· My first career after college was a business analyst on a helpdesk for a tech product. My salary was $45k. I stayed there for roughly 2 years and was promoted with a role change after 1 year to $60k. At the time $45k was probably under market rate for the area, so the jump to $60k felt like a huge increase.
· That company ended up in some legal troubles so I quickly sought out a lateral job change, and did not focus on trying to gain a promotion or salary increase. I still work at the same professional services firm that I jumped to, starting at $65k. I have been with them for over 6 years at this point, through 2 title changes, 2 relocations, and 2 org changes, now making $135k.
Main Job Monthly Take Home:
· $6k/month ($3k paid out on the 15th and the end of month) after taxes, HSA, healthcare (medical, dental, vision), and retirement.
Section Three: Expenses
Rent
· $0 - We currently live with FH parents to save money for future construction. We moved in with them in August. Everything we save in rent and other independent living expenses goes towards our HELOC. Previous rent was $1900 in a HCOL city.
Mortgage
· A follow on to the HELOC discussed in the equity section. We are only required to pay the monthly interest payment on the HELOC, which is roughly $900, however we deposit roughly $7k/mo ($3500/mo each from me and FH) into the HELOC, between rent from current tenants, and the categories noted above in the rent section.
Home owners insurance
· FH pays for home owners insurance
Savings contribution
· $0 - Since we already have quite a bit of money set aside for emergency, wedding, and architecture plans, and have no vacations planned for the foreseeable future, I will not allocate any more funds to savings, and direct and additional money towards the HELOC.
Investment contribution
· $1600/mo for the retirement accounts discussed in assets. No others at this time. In May, I had about $100k in mutual funds, and then pulled all that money to be used as an initial payment to the HELOC. Once we convert our HELOC to a home mortgage, I will start investing in mutual funds again. I will need to pay taxes on gains this year, which I have not yet estimated, and am now cringing on the inside for.
Debt payments
· I pay my credit card in full every month
Donations
· After being hooked on moneydiariesACTIVE for the past month, I am embarrassed to say that I do not donate regularly to a single organization, when I see everyone else being quite generous. It is on my to do list now to pick a charitable organization and start donating regularly. As for my one off donations, this past month I donated $10 to Wikipedia, and $100 and 14 inches of my own hair to Wigs4Kids.
Cellphone
· $139 – I pay the cellphone bill for my mom, dad, and myself
Subscriptions
· I mooch off of FH’s amazon and Netflix subscriptions, and from his parents HBO MAX, apple TV+ and, a relatives HULU. I just recently cancelled my free year of the Disney+ subscription through Verizon.
Car payment / insurance
· $67 – FH and I share his car (already paid off), and I pay insurance for both of us since I get the best rate through USAA, a benefit of being a former military dependent
Section four: Other things:
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?:
· Yes, there was an expectation for me to attend higher education. My parents received their bachelor’s degrees in night school through the GI bill, and always talked about their life plans for us to attend traditional universities, and that they had money set aside for us to attend. I never saw an alternative path for myself, although my sibling decided not to attend university. ·
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?:
· Growing up I was under the assumption that we were poor, mainly because my mom would outright claim we were poor and weren’t able to afford things. Now that I am an adult, I realize that my mom and dad were huge savers and were only willing to spend money on the important things, such as their home, our education, and one vacation a year, keeping their budget really tight for everything else. My dad has been retired from the military for some time now, and all the saving that my parents did (+my dad’s military pension) has allowed my mom to retire early as well. I would call them good financial role models to look up to, but claiming we were poor growing up was a bit extreme, untrue, and probably unnecessary. As far as direct conversations about money, debt, and credit, my mom said to always save as much money as you can, reduce recurring expenses as much as possible, reconcile your credit card statements, pay off your credit card bill in full every month, and homes and mutual funds are the only good investments.
What was your first job and why did you get it?:
· I worked part time at a clothing store folding clothes for 1 month before being let go because I was too young?? Apparently, the age cutoff was 17 but I was 16 at the time, not sure how they missed that on my application. I spent that money on a jr prom dress and prom ticket, because I figured my parents wouldn’t buy me one.
Did you worry about money growing up?:
· Superficially, yes. I knew there would always be dinner on the table, but if I wanted to do anything fun, I would typically pay for it myself. I didn’t save any of my money high school because I paid for all of my extracurriculars. I also got into a car accident in high school and paid my parents back for the repair.
Do you worry about money now?:
· I did not worry about money until we started this home construction process. I now worry that construction building materials are x3 the price they were before the pandemic and worry about what our monthly mortgage payment will be when we convert to a mortgage loan.
At what age did you become financially responsible for yourself and do you have a financial safety net?:
· I was financially responsible for myself for 7 years. Starting at 23, when I moved out of my aunt and uncles house and got my own apartment and was responsible for all bills. As of May, I am no longer financially independent again, as we are leveraging FH’s parent’s assets for our HELOC.
· For a financial safety net, FH and I both have savings to leverage, as well as retirement accounts if we are very desperate. I do not consider my in-laws to be an additional financial safety net, because we are already leveraging their assets, and since my parents are already retired, they only have limited income every month.
Do you or have you ever received passive or inherited income?:
· Indirectly. My parents gave me $7k as a wedding gift, which came from my grandpa’s inheritance to my dad.
DIARY
Day 1
· 8am - first alarm goes off, and my phone has fallen in between the mattress and the wall. Luckily I can fish it out by pulling the cord back up, and go back to sleep. I rarely get good sleep anymore as being pregnant is generally uncomfortable, so I usually snooze no matter how early I go to bed. FH gets out of bed at 8:30 for tennis, and I lay in bed strolling IG and reddit until 9am. At this point I boot up my laptop, eat two bowls of honey bunches of oats, make a single cup of decaf coffee, and get to work. When i say get to work, surf the internet for an hour before I even think of being productive, I have a light load for work this week. Yesterday was my birthday so I reply to a few bday emails from our leadership team. My director probably let them know late last week that my birthday was coming up, she's extremely thoughtful and makes it important that her team is recognized for both personal and professional milestones and accomplishments.
· Noon - Place an order with Kate Quinn for baby clothes. I just discovered her last week through a reddit post on gender neutral baby outfits, and she’s having a price point sale so everything I purchase is 50% off. 2 footie pajamas, 2 panda pants, 2 kimono long sleeve onesies, 2 knee high socks, 2 bibs, 2 large bow headbands, and a bunny hat. I have been really good with baby purchases, getting a lot of items second hand, but I really wanted to splurge on some clothes since this is my first baby and she will be born in the middle of winter. I’m making a lot of excuses for myself to justify my guilt in spending so much money. $141I've also been sitting on a saks off 5th cart over the weekend. We just recently moved back to Northern Virginia and it’s a much colder winter than where we were living for the last 2 years, so I'm in the market for winter accessories. I have 3 cashmere beanie’s (2 for me, 1 for FH) and some leather gloves in my cart. Over the weekend, one of the hats goes out of stock, and the gloves are final sale, so I end up removing those as well since I have short fingers and don’t know if they are going to fit. I'm under $99 so I have to pay for shipping :( $85
· 1pm – FH’s parents are friends with a restaurant owner, and FH dad regularly works on his network and security setup for his restaurant, so he is always sent home with food. We eat that for lunch several days a week. FH’s birthday present for me comes in, a Shark handheld vacuum inspired by Mrs. Hinch, an IG home cleaning influencer from the UK who has a gorgeous home, dog, and kid. I set it up on its charger.
· 1:30pm - My first YesStyle order comes in. I go through cycles where I won’t spend money for a month, then I just go crazy with online orders. It’s comprised of Japanese skincare and random face and makeup gadgets. I give them a test run, and my face seems to be getting softer as the day goes on but I could also be imagining it.
· 6:50pm - Dinner time cooked by MIL. I cringe on the inside when MIL talks about feeding Baby G the current fish we are eating, which happens to have lots of bones in it. Baby G will be her first grandchild so I know she's excited, but I also am headstrong and want to do things at my own pace and through my own methods.
· 7pm - new mommies group call, I talk about how my butt is getting so huge that I’ve had to size up 2 sizes in underwear.
· 8pm – I go back up to finish dinner. MIL talks to me about using her IRA for to self direct her funds for investing in buying rental homes. This is all new to me, so I ask a lot of questions. Still a bit confused when she explains that she will convert IRA company ownership to Roth IRA, She will probably have to explain this to me again a second (third, fourth, fifth) time, before I can fully absorb
· 9pm - I stay up too late binging Emily in Paris while FH watches football
Day 1 Total: $226
Day 2
· 4am - I wake up to my in-law’s Little Dog barking at the outside critters trying to steal our pumpkins from the porch
· 5am – Little Dog is barking
· 6am – Little Dog is barking
· 8am - FH gets up to play tennis but it's raining so he comes back
· 9am - I roll out of bed, cereal, and get to work
· 10am - I register at the hospital I will deliver at and sign up for a delivery introduction session
· 10:30am - The director on the current project I support just greenlit my idea for an incoming presentation. I am happy.
· 11am - I end up laying down because my back hurts, and contemplate purchasing a standing desk, but decide against it because my feet hurt more than my back usually.
· 1pm – It’s dumpling day for lunch! FH’s mom makes homemade dumplings in mass quantities for days when she doesn’t have a lot of time to cook lunch. I think her dumplings are delightful. She mentions we are getting low so I volunteer to help fold the next time she makes them.
· 5:30pm - I buy two maternity coats off facebook marketplace. I know this seems strange compared to my cashmere hat purchase from yesterday, but I know I can get 5+ years out of the hats (my oldest cashmere sweater at this point is 12 years old), but will likely wear these jackets for 5 months max, + maybe another 5 months if I have a second baby in the winter as well. $10
· 6:30pm - I hinch (read: clean) around the basement for a little bit with the new Shark wandvac
· 9pm FH and I watch Home Before Dark on Apple TV+ and head to bed at 11pm
Day 2 Total: $10
Day 3
· 9am roll out of bed, cereal, work
· 930am I’ve gotten through all my emails so I take a mini break to put on some eyeshadow. I am not a daily makeup wearer but 2 months ago I subbed to panporn and am now obsessed with the idea of panning some of my eyeshadow palettes. I’m still in my pajamas however.
· 11:30am I was extremely unproductive yesterday, and today we have a check-in meeting this afternoon so I am now finally crushing my work. My biggest weakness is that I am a procrastinator, but when I am up to a deadline, I always seem to pull through with really good work products that everyone generally seems to be happy with. Breaking the procrastination cycle seems impossible.
· 3:30 I periodically search for a particular single to double convertible stroller through google and second hand sites, and discover that Dillards is selling the double stroller for $100 cheaper than its single seat counterpart. I think the pricing is a mistake on Dillards part, as this brand almost never goes on sale, but I’m taking the chance of a cancellation for the discount. The in-laws wanted the stroller to be a gift to us, so it will be reimbursed. I'm pretty set on having 2 kids, so fingers crossed they are close enough in age that having a double stroller is still useful, but if not, I can sell the second seat on fb marketplace.
· 5pm We meet with an architect in the backyard to discuss her experience and things we are looking for in the home design process. Her quote is pretty standard compared to other architects we’ve interviewed, and we like her experience the best, so we ask her to give us a proposal.
· 7pm FH’s mom makes kimchi stew for dinner, which I really enjoy. I can be a picky eater at times so she has been experimenting with new dinner items for me to try. After dinner I clean the bathrooms in the basement but leave the showers for FH to clean since I can’t bend over very well anymore. After cleaning, I make myself a cheese snack of asiago and crackers. I really want some jam but can’t find any, so I attempt to eat my cheese snack with applesauce. Its absolutely horrible so I try to pawn the apple sauce off on Little Dog, who also hates it, so I make FH eat the rest. Apparently he doesn’t like apple sauce either even though he was the one who bought it, what!
· 9pm-11 Home Before Dark, sleep
Day 3 Total: $0
Day 4
· 9am roll out of bed, cereal, work
· 9:50am inspired by Sylvie from Emily in Paris, I watch a few YouTube videos on how to dress like a French woman as I get some work done. A few youtubers talk about simple beautiful accessories being one of the stand out characteristics, so I pull out a Nixon watch that I haven’t worn in probably 4 years, and then decide I need some simple earrings. I have a metal allergy so I need to go for gold or gold plated pieces. All of my gold plated jewelry is thrashed from over wear so I go Mejuri for some earrings. I love the mini hoops but I start to feel guilty looking at the prices so I close the site 10 minutes later.
· 10:50am I send my friend a picture of a vizcacha and we debate if this is what Pikachu was inspired from. We're pretty sure we've had this discussion before. I’m procrastinating on tackling a tough problem on my current project, so I take my firm's mandatory code of conduct training while I play in my makeup instead. I really like our compliance officer’s reference to the quote "trust is built in drops and lost in buckets" and index that in my mind for some project work I am supporting related to customer experience.
· 1pm lunch of assorted leftovers
· 330pm I get an email saying my saks order is here. There’s also a mystery amazon package for me, it’s a lotion set from my director, extremely thoughtful and will come in handy right away as its already dry in the mid-Atlantic. FH's beanie is too small but it fits me great so I’ll just keep it for myself since it was final sale. Also, break for popcorn snack! I bought a silicone popcorn popper a month ago and now just buy popcorn by the kernel. It’s panning out to be a really worthwhile purchase for the amount of popcorn that I eat.
· 4pm Today is payday and it’s also been 1 week since I transferred extra funds from my checking account to our HELOC, so I send the max weekly amount through Zelle. The more money we put into the HELOC now, the less interest we will pay. $3500
· 5pm I decide I really need to work out. I was in a good routine at the start of quarantine with Nike workouts but then I got pregnant a few months in, and all motivation was lost due to nausea and fatigue. I procrastinate for another 30 minutes then get to it. Normally this is $29/mo but I cancelled my membership 2 weeks ago because I wasn’t utilizing it enough and am now just finishing out my last month of membership. After my workout I take a bath using a bath bomb that I received as a gift from one of my girlfriends.
· 7pm Eat dinner of assorted leftovers and putz around until FH to finishes an online test for his grad school program.
· 9pm We watch Bobs Burgers until 1030, and I talk about wanting to eat everything I see in each commercial during the show. Little Dog wants to sleep with us tonight so I set up a pillow at my feet for him to rest on. He leaves about an hour later.
Day 4 Total: $3500
Day 5
· 845 roll out of bed, cereal, work
· Noon FH’s parents venmo me money for the stroller, and I transfer my total venmo balance to my bank. FH’s mom is already talking about putting little dog in the second seat when she takes Baby G for walks. Little Dog will never walk again when he is introduced to the stroller, he hates going on walks. I renew my audiobook loan on Emily Oster’s Cribsheet through Libby
· 1:50 Quick lunch of leftover fried rice and some ramen before I hop on a 2pm meeting. I am waiting on an empty conference line for 40 minutes. Apparently, I joined Wednesday’s conference line instead of today's, so I miss the meeting. That's really embarrassing, especially when I was prepared to meet and discuss some new content I created. I check in with the lead and he says no worries, I'll meet with them again on Monday
· 6pm We visit with Little Dog who is back from surgery for a benign tumor removal. He is looking very sad so he gets lots of pets from FH and me.
· 645pm I am sitting on the couch scrolling reddit and Baby G gives me a couple of swift hard kicks, which I am pleased about. I haven't felt some really hard kicks in a few days so I was getting a little worried. FH’s dad comes home with dinner from the restaurant where he helps out on the guys network. FH and I watch tv for the rest of the night.
Day 5 Total: $0
Day 6
· 730am - FH and I wakeup to get ready for tennis, but get stopped as we walk out the door by FH's dad saying they will be leaving to check on their rental properties and will take Little Dog. We insist that we will stay home to watch Little Dog while he recovers, so he doesn’t have to wear his cone of shame. Whenever little dog has to wear the cone he gets extremely sad. At first I thought they were being dramatic but he really does look so sad and refuses to walk around when he has to wear it.
· Noon – I order tacos and tortas from the local taco shop and drive over to pick them up. $29
· 4pm – I eat my left over torta and some extra butter popcorn as a special treat. This leads me to skipping dinner at the dismay of FH’s mom.
· 10pm – FH keeps talking about McDonald’s but we settle on leftovers and some cereal and then play Among Us with friends on zoom until Midnight.
Day 6 Total: $29
Day 7
· 8am FH and I wake up to get ready for tennis and head to the tennis courts. I'm a beginner so FH just runs drills with me. My forehand is atrocious but my backhand isn't too bad today. We try to rally but it doesn't go well since I can't run very fast or very well anymore due to the belly.
· 10:20am I check my phone as I am waiting for a friend to confirm plans later and see that we have a meeting with our labor and delivery hospital at 10:30. We race home to hop on a zoom call.· Noon – We head to a local sandwich shop, and FH pays. The medical world at large says pregnant ladies shouldn’t eat cold cuts but I’ve read that if you heat meat in the microwave till steaming, it should kill off listeria, so I do that and enjoy my sandwich.
· 1:30pm - I head to a bagel shop in DC for an everything bagel and cream cheese as well as a chai latte.. I know I just ate but I can't help myself, I love bagels. I meet my friend at the National Mall and walk around for 3 hours, enjoying the sunshine and conversation. We attempt to fly a kite near the Washington monument but a piece of the kite is missing, whoops. $13
· 530pm – FH’s mom asks if I could get us sandwich items for lunch this week and I am happy to oblige, I head to the grocery store to get assorted deli meats for lunch this week, plus a nice block of white cheddar and raspberry jam as a snack $50
· 630PM – Dinner is home made hot and sour soup which is think is lovely. I putter around after dinner waiting for FH to finish studying.
· 945PM We play Among Us on zoom with friends and head to sleep at 11:30
Day 7 total: $63
Food + Drink $91
Fun / Entertainment $0
Home + Health $0
Clothes + Beauty $236
Transport $0
Other HELOC $3500
Lastly, reflect on your diary!
Day 1 was a high spending day for me, with 2 out of the ordinary purchases however, the rest of the week was extremely low, so I would say this was a great week. Prior to purchasing our house, I was much less strict with my money. We actually did a 6-month assessment of all of our transactions before we started our home search, and found that outside of food and transportation to work, my biggest expenses were clothes, uber rides, and going out to eat and drink. As soon as we did that assessment and determined that we wanted to buy a home and do follow-on construction work, I stopped buying clothes completely. The pandemic also facilitated the change to completely eliminating uber rides and going out to eat and pretty early on in quarantine we also decided to get pregnant so we stopped drinking as well. I have started to buy some maternity clothes and baby gear out of necessity, but still feel I am making responsible decisions with my purchases. I feel EXTREMELY lucky that we had the opportunity to purchase our house and fund construction the way we are, as well as saving on additional costs by living with FH, so I am trying my best to be financially responsible and contribute as best I can while still giving in to small indulgences every once in a while.
Edit for maths and spelling
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2020.10.21 20:07 AltSineWaves The future of Zoom is bright

Disclosure: I have zero Zoom stocks or options.
Every week there is a post or two about Zoom. Most of it is superficial. Most of the comments ‘but competition from incumbents’. A lot of it is conjecture.
I have always been intrigued with this company but could never understand the insane valuation so I never bought in, but Seth Godin’s recent Akimbo podcast episode on Zoom made it crystal clear to me why Zoom is so valuable.
I would strongly suggest anyone who is curious about the stock (long/short, or those who just want to understand the valuation) to go listen to that podcast episode.
Here’s a couple of the top points (podcast made about 20 great points, but these stick out to me):
• Imagine soon, computer generated live subtitles. That one colleague of yours, with the brilliant mind but horrible Chinese accent? They now have live subtitles, and everyone can understand them clearly.
• Know what else that means? Feel free to Zoom with other countries that speak other languages. Because the subtitles also translate what they say to English and vice versa. Business transactions will be streamlined. Transatlantic flights unnecessary. Misunderstandings reduced.
• Calls and meeting minutes can be transcribed automatically. This drastically improves various other business functions (legal, marketing, accounting).
• How about adding an internal corporate version of Alexa, or Google Voice (or Zoom simply buys one of the other dozen voice assistant start-ups). Yeah, live during the video call you can ask Alexa to do stuff: “Hey Alexa, can you double check those Q3 P&L numbers for us? Hey Google, can you check the feasibility of getting all that product into a single container, and how long it takes to ship that cargo?”
• Stats on speakers. “Hey Eric, you talked for 30% of the meeting, but every time you speak, 42% of the audience looks away from the screen and starts to play with their phones. Maybe you can try this to improve your presenting skills”. Or “Hey Eric, talk less”.
• Using these stats to ‘game-ify’ conference calls
• There will be more than one operator, it is not winner take all and the market is huge (Zoom, Google, Microsoft, etc). Even with competition, Zoom can be VERY successful.
• What about payments? There is an entire sub-industry already that Zoom hasn’t tapped into. From online classes and seminars, to OnlyFans, Cameo, etc, the possibilities of Zoom monetizing this and getting a piece of the action is endless.
These are some growth areas and roadmap. But quite frankly, at $148B market cap, Zoom still hasn’t gotten into the obvious growth areas (think Zoom hardware, unified meeting hardware that works with Teams/Google, displays, digital boards, etc).
Will Zoom grow into a company worthy of its valuation? Maybe, maybe not. But so far, it’s been ahead of the competition, and so far Zoom is the one pushing the envelope. What company is most likely to add these new features first? Zoom, MS Teams, Google, Apple? The market seems to have decided.
Zoom is positioned to become the platform we do work on. The future of Zoom is bright, don’t dismiss it ‘because of competition’. That is lazy analysis. Apple is still waiting for competition from Blackberry, Tesla from GM, Netflix from Blockbuster and Disney….. keep an open mind when doing your DD. You may be missing something.
submitted by AltSineWaves to investing [link] [comments]


2020.10.21 17:07 street-guru Goldman data show slower return to office, declining urban rents, and decline in seated dining as case counts rise and temperatures cool

Goldman data show slower return to office, declining urban rents, and decline in seated dining as case counts rise and temperatures cool
Goldman:
"In week 25 of the Measuring the Reopening of America series, several back-to-normal categories that had improved over the past few weeks reversed trends, including lodging and dining, while stay-at-home vertical growth largely decelerated."
"Our read of these data sources continues to describe a landscape we're all very familiar with: lots of eCommerce deliveries, streaming media, and video chats taking the place of theater visits, travel, and trips to the mall. As that picture changes (Exhibit 4), with a larger number of cities and states fluctuating between various stages of reopening and individuals charting their own path independent of much of that fluctuating guidance, the distinction between the red slipping onto the "Stay at Home" heatmap and the green showing up on the "Back to Normal" heatmap becomes increasingly blurry. Measures of Business Activity, which tend to be available on a more delayed basis, are beginning to show improvement in key categories like transportation, housing and machinery as businesses adapt to this reality."
"Total US mortgage purchase applications rose 24% y/y for the week ended October 9 as housing activity reaccelerated sequentially and remains strong through early October. On 10/20, home builder NVR reported 3Q results with orders up 40% y/y, led by the Northeast +68% and Southeast +56%. We note this compares to low single digit norms, especially for the Northeast given its mature profile and broader geographic shift towards more affordable regions of the country. In our view, the more recent growth is reflective of the ongoing secular shift resulting from the pandemic as buyers seek out suburban locations and look to take advantage of historically low rates. As reflected in our channel checks—along with NVR’s results—housing is among the leaders of the economic recovery and still has legs to it."
"This week, stay-at-home categories mostly decelerated with the notable exceptions of eCommerce and online payments, led by Amazon's app downloads surging to +33% y/y from +2% last week, driven by Prime Day on October 13 -14 this year. The 4 online payment apps we track all saw accelerated growth this week, led by Square Cash at +48% y/y. Among the stay-at-home grocery products, household cleaning agents remain in the lead with sales accelerating to +33% y/y. At-home fitness app and video conferencing app growth continues to decelerate, while food delivery and online streaming download volumes have essentially returned to 2019 levels on average. Instacart, however, still grew +70% y/y in the most recent week. New TV ratings continue to be high as we near elections, with all the news TV channels we track showing significant positive y/y growth."
"Employees' return to the office has been slower than expected. Prior to Labor Day, office companies reported that office utilization (percent of employees in the office) was in the mid to high single digits across key urban markets (e.g. NYC, SF, Boston). Landlords expected utilization to increase after Labor Day; we had been expecting utilization to improve to 20%-25%. However, companies at the Goldman Sachs Private Real Estate Conference in early October noted that office utilization increased to the mid-teens in September - a slower pace than expected. Based on Google mobility to the workplace data, employee mobility to the workplace had been relatively stable through 3Q2020 with a modest uptick after Labor Day (see Exhibit 6). San Francisco and New York remain the furthest below pre-covid baselines. Card swipe data from Kastle Systems, which tracks the number of building security card swipes and fob taps, also points to a similar trend (Exhibit 7) and only modest improvement relative to pre-Labor Day attendance. Increased numbers of employees in the office will be an important catalyst for office companies, in our view, but will likely be limited absent a vaccine and/or decline in the virus. As employees return, we believe employees and employers will see productivity improve, collaboration and idea generation increase, greater mentoring/training and culture building, which will in turn lead to increased office utilization... We believe work-from-home will have a marginal impact on office demand partially offset by economic growth and a reversal of densification."
"Back-to-normal categories were mixed this week, with OpenTable seated diner figures (-41% y/y) reversing its significant holiday weekend improvement last week (-36%y/y) as case counts rise and temperatures cool. Retail and travel figures, including weekly retail visits, outlet mall retail visits, lodging metrics and airline data, were all roughly flat from the prior week. However, within lodging there is still a clear preference for alternative accommodations, with Vrbo app downloads up 132% y/y and AllTheRooms RevPAR +7% in the week ending October 11th, compared to US Hotel Occupancy at -29% y/y and ADR -26% y/y. Kastle card swipes, a measure of the pace of return to work, have remained at -64% y/y since mid-September, after improving steadily since April. Gas demand also reversed its course of improvement this week to reach -8% y/y (compared to -6% and -7% in the two prior weeks)."
"TSA passenger volumes were flat this week after the significant improvement last week over Columbus Day weekend. In our most recent GS Air Travel Restriction Tracker, we noted that data as of 10/18 indicates that 41 states fall above thresholds that would lead to travel restrictions by NY/NJ/CT, up from 36 in our last update and leaves just 10 states (including DC) that would not be subject to travel restrictions. We expect to see additional states added to the NY/NJ/CT travel restriction lists and no states removed in our two-week forecast. Redfin's homebuyer demand index is up 40.3% from pre-pandemic levels for the week ending October 11, as active listings fell to an all-time low on the platform, highlighting the high demand and interest in homebuying."
https://street-guru.com/
https://preview.redd.it/o5dzj6largu51.png?width=631&format=png&auto=webp&s=c443c2c73f86961b7a1194570905e0faaf8fbc99
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2020.10.21 15:21 productism Daily Roundup Wed, October 21st, 2020

Daily update ⋅ October 21, 2020
Electrek Tesla (TSLA) sales recover in California amid pandemic Tesla (TSLA) sales are recovering in California amid the pandemic, according to new registration data. In Q2, Tesla's sales were unsurprisingly nearly ...
Electrek Tesla (TSLA) Q3 2020 earnings preview: Expectations are high Tesla (TSLA) is set to announce its third-quarter 2020 financial results tomorrow, October 21, after the markets close. As usual, a conference call and ...
Yahoo Finance Should You Buy Tesla (TSLA) Ahead of Earnings? This suggests that analysts have very recently bumped up their estimates for TSLA, giving the stock a Zacks Earnings ESP of +3.67% heading into ...
Benzinga Tesla's Earnings Outlook On Wednesday, October 21, Tesla (NASDAQ: TSLA) will release its latest earnings report. Benzinga's outlook for Tesla is included in the following ...
StockNews Is Fisker the Next Tesla? TSLA – Fisker (FSR) is expected to go public. Currently, you can trade it with the Spartan Energy Acquisition Shares (SPAQ). Many are eager to find ...
StockNews 4 Top Electric Vehicle Battery Stocks to Accelerate Your Returns TSLA – An electric vehicle (EV) boom is creating incredible opportunities for EV battery producers. Tesla (TSLA), Albemarle Corporation (ALB), Livent ...
Benzinga Tesla Rolls Out Full Self-Driving Beta Version, With A 'Slow' And 'Cautious' Approach Tesla Inc (NASDAQ: TSLA) CEO Elon Musk said that the automaker is rolling out the beta version of its full self-driving software, starting Tuesday night.
PRNewswire Industrial Segment Of Global Lithium-Ion Battery Market Could Exceed $24 Billion By 2027 (NASDAQ: TSLA), QMC Quantum Minerals Corp., (TSX-V: QMC) (OTCPK: QMCQF), Lithium Americas Corp. (TSX: LAC) (NYSE: LAC), Nikola ...
Seeking Alpha Tesla registrations in California drop in Q3 Tesla's (NASDAQ:TSLA) vehicle registrations in California fell 13% in Q3 compared to a year ago, according to data from research firm Cross-Sell.
Barron's Tesla's Need for Lithium Drove This Miner Higher. Now It's Selling Stock. 22. At the event, Tesla (ticker: TSLA) painted a picture of future EV demand that implied the world needs a lot more EV-related materials ...
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2020.10.21 08:48 Neda74 Secrets about programming languages that no one will tell you

The story started right from the day many became interested in pursuing one of the highest paid jobs in the world, programming. Because programming is a skill that most businesses need. No programmer is unemployed unless he wants to work! Because from government offices to private companies there is at least one place for a programmer.
But the constant question for those who want to enter this field is choosing the right programming language. If this is your concern, join us with this article.
Selecting a field of work in programming
Programming languages are generally divided into four groups:
Before you choose the best programming language, you need to decide which field you are interested in. In the following, we will tell you that there is news in every field.
Programming under Windows
Languages that only windows (Windows) understands are called languages that are used to create programs under Windows, the Windows (desktop) programming language. In fact, programs written using these languages can only be run on the Windows operating system.
The following languages are the most widely used languages in this category:
Friends, the best language to do this is C #, which is very successful with the new wpf technology....
Web programming
How to speak the language of browsers? If you want to design applications for browsers (such as online registration forms) you must learn one of the web programming languages. Of course, you should know that web-based languages also fall into two categories
Are divided.
User-side programming languages:
Server-side programming languages:
Mobile programming
If you want to design an application for mobile (Android or iOS), then you should learn one of the following languages:
Versatile programming languages
If you look closely at the list of languages we have mentioned so far, you will notice the repetition of several names. These are called General-Purpose Languages. This means that by learning one of these languages, you can also design applications for different platforms (Windows, Web, Android and iOS).
The following languages fall into this category:
The most widely used multipurpose programming languages

Python, the popular snake in the world of programming:
You do not need to be afraid of the name Python because this one does not bite. In the world of programming, Python is a versatile, functional, high-level, yet simple language. That's why Python is such an attractive language for many newcomers to the world of programming. Because by learning this language, they can start coding very soon.
Many big companies like Google, YouTube, Facebook, NASA, Yahoo, Dropbox and many more use Python script and open source language to develop their site. Python is an object-oriented language used in a variety of fields such as data analysis, artificial intelligence development, machine learning, web development, system automation, programming interfaces, and more. Of course, the scary part is that Python is also known as one of the best hacking tools.
Java, a cup of cod-flavored coffee:
Java is another multipurpose language, a powerful language with a very standard structure. It is interesting to note that James Gosling and his colleagues designed Java with the slogan "Write once, Run anywhere". This means that you can run your program on any platform with one coding. Because this object-oriented language is equipped with the Java Virtual Machine (JVM) feature. So it doesn't matter if your goal is to write a mobile app or to develop, Java will get you started anyway.
Grandfather, father, grandson (C, C Plus Plus , C #):
C language is a multi-purpose language and intermediate level. C is a small language and has limited keywords. On the other hand, it is a structured, grammatical, flexible and portable language. You should know that the most important features that distinguish C ++ from C are the object-oriented structure and the use of the class. In addition, the C ++ language is closer to the high-level language. Meet C #, grandson of the C family C # is a versatile and object-oriented language. For the first time, Microsoft introduced this application language into the world of programmers. A language that is updated year by year and version by version and finds new capabilities. It is not without reason that in the list of TIOB community, C # language has managed to rank fourth among all these programming languages. C # is a high-level language that is a great choice to start learning C # programming. Because it is a powerful, all-encompassing, and practical language that is relatively easy to learn. That's why you can start coding very quickly with its help.
JavaScript, the versatile programming language:
JavaScript is a high-level interpretive language that was first added to the programming languages ​​by netscape under the name Livescript. One of the most important benefits of learning JavaScript is that you can easily use powerful libraries and frameworks such as Nodejs, React, React Native and Electron. Because all these powerful frameworks are based on the JavaScript language. In addition, if you are fluent in HTML and CSS markup languages, you will surely find JavaScript easier to learn. The power and many applications of JavaScript have made it one of the most popular programming languages. You may ask: Are JavaScript and JavaScript similar? This nominal similarity may confuse many. But you should know that these two languages ​​are completely different and have no similarities in terms of concept and structure except nominal similarity.
Go, the popular blue dog of programmers:
Go is a versatile, open source, object-oriented, low-level language. It is good to know that the word Golang is derived from the phrase Go Language, but far-flung people prefer to call this language "Go". You can call it the same name. This programming language was piloted in 2009 and officially introduced to the world in 2012 by Google. A modern language designed to meet the day-to-day needs of programmers.
To better understand this language, we must say that Go language combines the power and speed of C language and the simplicity of Python, and thus has been able to cover a wide range of applications. Go also has great power in data science and provides programmers with many frameworks such as Beego and Revel. Many large companies such as Google, YouTube, BBC, Soundcloud, Feedbbks, Airbrake and many others use this open source language to develop backend systems. Of course, in addition to developing backends, Go is also effective in the field of web, server and network.
R speaks the language of engineers:
In this section we want to talk about a different programming language called R. This open source language is commonly used to analyze data and perform statistical calculations such as linear and nonlinear modeling, classification, clustering, classical statistical tests, and so on.
R is even capable of drawing maps and graphs as well as graphical representations of statistical data. For this reason, it has become very popular among statistical engineers and data scientists and has surpassed its other competitors such as SPSS, MATLAB and SAS. This programming language has a simple environment and can be run on various operating systems such as Linux, Windows and Mac. Interestingly, in R environment you can also call the language codes C, C ++, Visual Basic and Fortran. R also supports a variety of multifunctional frameworks.
Swift is the agile bird of the programming land:
In 2014, Apple unveiled a proprietary language called Swift at the Apple Developers Conference (WWDC). Apple's goal was to make watchOS, iOS, and tvOS development easier, shorter, and more secure than Objective-C. Swift is still known as one of the most secure programming languages. Interestingly, the Swift programming language is inspired by the languages ​​Python, Ruby, Haskell, RUST, Objective-C, C # and CLU, and many more! Something like an extract! As Apple products become more and more popular, no one seems to regret learning the Swift language. If you have experience in web design, it will be very easy for you to learn this language.
Get to know the PHP Phil world of programming:
php is a powerful and open source scripting language whose main purpose is to design dynamic websites. It is still one of the most popular web programming languages. This server-side programming language has attractive features for programmers; Features like objectivism, freeness, flexibility, scalability. You may ask: What is a scripting language? A scripting language is a language used to write processes. Processes are also small programs that perform long tasks or short and useful tasks automatically. For this reason, scripting is commonly used for repetitive and routine operations. PHP supports powerful frameworks such as Laravel and Symphony. More importantly, nearly 80% of the web market is in the hands of php. On the other hand, one of the most widely used systems these days, the WordPress content management system, is based on the php language. So if you are looking for an opportunity to show yourself in the field of web design, we recommend that you do not miss learning PHP.
last word
If you do not know what language to start learning? Well, to be honest, we have to say that each of these languages ​​is a member of one body! So if you are determined and learn one language thoroughly, you can easily master several other languages. It's like learning to drive. When you master the basics of driving, you can certainly drive any car. So take your stones with you, see what platform you would like to write a program for? Web, Windows or Mobile? Then take a language out of this busy world, make time for it and get to know it properly!
submitted by Neda74 to u/Neda74 [link] [comments]


2020.10.21 00:23 iamfanboytoo SDE Campaign Mode v0.1 - Guildmaster Mode. Build your Guild, with and against your friends! Looking for eyes to test, contribute, and have fun with this!

So, we don't have a system for leveling up Heroes. Still. And maybe never. But who cares? There are other ways to play a long-term campaign!
With this simple 6-page set is a quick system for you and some friends to get together, each of you building a Guild Tower taller as you delve into the dungeon, recruit more Heroes, and achieve renown all over Crystalia.
It takes HEAVY inspiration from the SNES classic ActRaiser, as well as Fallout Wasteland Warfare's Settlement Mode.
Here's a link to the pdf, but I also posted the text of it in here so people can (if they want to) pull quotes out to ask quick questions.
https://drive.google.com/file/d/1fX10A2mfu5sa8M3eQiSCguuLk1TaKObv/view?usp=sharing
SDE GUILD MODE v0.1 Welcome, Guildmaster, to the Guild Mode! In this, you and a group of friends are guiding and strengthening the Heroes who are on the front lines of the war against the dread Consul. You'll build your Guild Tower and work with (and against) your friends in the dungeons!
The source of the Consul's power are embodied by the Loot and Treasure that his dungeons hold; by taking them out of the dungeon you weaken him and strengthen the forces of the Goddess. Unfortunately Loot and Treasure taken out quickly decompose into Crystal Shards; however, these Shards can be used as currency to make your Guild Tower bigger and put rooms in there to attract more Heroes and tend to their every need.
While playing, you need to balance the needs of your own guild with those of your fellow Guildmasters; after several unfortunate incidents of Consul Corruption taking hold in Castle Town's guilds the King now enforces a law stating that all expeditions MUST take place from multiple guilds. Corruption builds quickly for Heroes sent in and marked by the Consul as intruders, and they must be rotated out for rest and relaxation fairly often, lest they turn against the light. [DEV NOTE: While you CAN play Guild Mode solo, the general idea is to play it with a group of friends. Still, if solo is the only way you can play it, then you're playing in the days before the King put his foot down!]
THE OVERVIEW Actual campaign play starts with the Beginning, of course, where Guildmasters create their Towers and draft Heroes. Then it proceeds to the standard phases of Dungeoneering - Aftermath - Building. [DEV NOTE: The goals of a campaign season can vary - perhaps a Tower 10 Floors tall, perhaps the first Guildmaster to have a certain number of Bosses beaten by their Heroes, this can be established later once we have a solid game system.]
BEGINNING First, name your Guild and your Guildmaster. No, your Guildmaster can't go on adventures (for now..) but he's still an important part of everything.
Each Guild Tower consists of one or more Floors, with six spaces on each Floor for Rooms. As a starting Guildmaster, you begin with one Floor, one of the Crystal Affinity rooms of your choice, three Hero Havens, and a Boss Bedroom where you sleep. [DEV NOTE: As things proceed I'm planning on making up a single-sheet tower map, along with cut-and-paste rooms, for a fun and visual representation.]
You can recruit three Heroes, but Heroes want to stay in a Guild that matches them so you can only have one Hero of any given type UNLESS you have a Crystal Affinity room that matches them. If they have a dual affinity, they only count the most favorable one towards this limit.
Beginning Heroes line up to be drafted in turns by the various Guildmasters; we suggest the youngest Guildmaster should have first pick but at your table you can roll off or simply compromise. A Guildmaster's first draft pick MUST be of their Crystal Affinity; after that, anything is allowed.
DUNGEONEERING PHASE 1) Choose # of Heroes 2) Roll for Dungeon contents 3) Roll to build the Dungeon 4) Choose Heroes, equipment, and total Rerolls 4) Play an Arcade Mode game!
First the Guildmasters decide how many Heroes they are sending into the Dungeon. The minimum each must contribute is one, and at most they can send three; however, there can be jealousy if one Guildmaster takes a lot of Loot away so we recommend balancing the burden evenly between all Guilds.
Now determine the Dungeon location, Boss, Miniboss(es), and Spawn Points. You can either roll randomly, or draw cards hidden by opaque sleeves – you just have to make sure that it IS random!
Each Boss should also be associated with a given 6-tile range during your pre-game setup; for example, Von Drakk would have VDM Tiles 7-12 and Beatrix would have VDM 1-6.
After this, build the Dungeon. Start with the lowest-numbered tile of the Boss's tile set, then pick a side to be North and roll a blue die to find which entrance to set the next tile against: 2 = North 1 = East 0 = South Heart = West
Add tiles in order from lowest number to highest number, to each new tile rolled. Players choose how the tile is rotated when added. If a result is rolled that isn't possible (West when you just added an East tile), move the new tile until it touches a legal Dungeon Entrance. Play then proceeds as normal for an Arcade Mode game, with the following rules added:
CORRUPTED If a Hero with Corruption steps into the Dungeon, roll one blue die for each point of Corruption they have; if the result is less than or equal to their Corruption than they're safe. If not, they have gone over to the Consul! They are added to the Spawn pool as a Miniboss. Flip over Treasure cards from the top of the deck until one comes up which adds to the Hero's highest attacking Stat; they are equipped with it when they are spawned. The owning Guildmaster must immediately send another Hero into the Dungeon.
Any attack and defense rolls the Corrupted Hero makes are resolved by the Guildmaster to the left of the defending or attacking Guildmaster, and they treat the first Special Action on their card as a Signature Action.
When the Hero is 'killed', they are merely knocked out, and the Treasure is added to the Backpack along with the Dungeon Key the Heroes get for defeating a Miniboss. When they wake up, they've got some 'splaining to do...
However, if the Heroes are forced to retreat, the Corrupted Hero stays as a Miniboss, and the owning Guildmaster cannot replace them without removing that Hero from their roster permanently. [DEV NOTE: This is to encourage players to rotate out Heroes instead of just sending the same ones in over and over. If/when we get a levelup system then GM can be integrated into that so there's more reason to send different Heroes in, but for now this seems a solid solution.]
REROLLS When a Reroll token is spent, a Hero may reroll one die - either for their own Heroes or those of their allies! Multiple tokens can be spent at the same time for multiple dice, but each die can only be rerolled ONCE. This rule applies even to Hero abilities which allow rerolls, such as Feint or Holy.
[DEV NOTE: This is mostly to give an in-game effect of HAVING a Guild, aside from keeping random Loot pieces and a longer narrative.]
LOOT ARGUMENTS When a Guildmaster's Hero kills a monster, they are the ultimate arbiter of who gets a given piece of Loot during the Power Up Phase - others can argue about it, but they are the one who decides.
If two Guildmasters argue about Treasure, they each choose a Hero and roll their highest stat (including current Loot/Treasure!) in a roll-off, and the winner chooses. Ties must be rerolled.
However, if a Guildmaster disagrees enough, their Hero can simply take the Loot/Treasure from the other Hero. If the thief wants to take it, they have to be in base contact with the victim, and the owning Guildmaster CHOOSES which stat both sides roll against each other in the theft attempt. A strong Hero overpowers his victim, a dextrous one pickpockets them, and so on. However, doing so has in-game consequences: Immediately move all Wrath from the attacker to the victim, and the attacker gains two Corruption (the Consul looks favorably on such antics.) The victim may not try to steal it back, but the Guildmaster can challenge the other player to a game of Arena Duel for the Treasure in the Aftermath phase. [DEV NOTE: This may well lead to some harsh arguments among players and the risk of asshat bullies constantly taking good stuff from other players. If this is the case, then the rule should be removed at your table, and maybe find different friends to play with? But I like the idea of a game that has both cooperative and competitive elements.]
The rules about Loot that is discarded for better equipment still holds true; if it touches the dungeon floor after being in a Hero's hands it's gone, no trading back and forth. Unless you want to do that at your table, I'm not about to knock down your door and arrest you for breaking the rules!
RETREATING At any time, a Hero can retreat by touching the Dungeon Entrance token; this is important because if a Hero is not revived via a Princess Coin then they are dead unless brought back in the Building phase by a Cherub Chapel, and a new Hero must be drafted from the available pool. Note that if there are dead Heroes during an upkeep and available Princess Coins, then it is the OWNING Guildmaster's choice on whether to revive them - no holding out on your friends because you're a jerk!
AFTERMATH PHASE 1) Determine Shards gained 2) Add and remove Corruption
DETERMINE SHARDS GAINED The haul Guildmasters get depend on whether their Heroes are forced to retreat from the Dungeon or successfully kill the Boss. Each Loot and Treasure confers a type of Shard based on the Slot it goes in, and a number based on the die it adds and any special Effects it may have. Guildmasters only gain shards that their specific Hero(es) earn! SHARD REWARDS 3 = blue die 4 = white die 5 = red die 8 = green die 5 = Stat bonus (movement, Hearts, AP) 2 = Status Effect caused or Immune 5 = Other benefit (Backlash, Special Attack or Action, Immune: Status Effects, and so on).
Note that for Treasure which has a Crystal Affinity, it only gives out the highest reward if the Hero it is equipped to would benefit from said Affinity. [DEV NOTE: At this point I'm not sure that Loot/Treasure still in the Backpack should count towards this; if it does then that accelerates growth, which is good, but leads to a shorter campaign season. This needs to be playtested both ways. If it does, then the Shard count for the Backpack should be added up then divided evenly among all participating Guildmasters.]
After these are added up, if the Heroes defeated the Dungeon Boss, then DOUBLE all Shards gained! [DEV NOTE: Originally, Shards were halved if the Heroes retreated, but that feels like you're being punished for running away instead of being rewarded for winning. Bad game design there. So now the rewards are default 'halved'.]
Shards are marked by their type: E for Emerald, R for Ruby, C for Citrine, and S for Sapphire. Each is used by a different kind of Room, and some Rooms require several different types in order to be built.
If a Guildmaster has a relevant Room, they may keep a Loot or Treasure card obtained by their Hero(es). If they do so, they do not get the Shard reward as per the chart; however, if the Room already had a Loot or Treasure card attached to it then they gain the Shards for that specific item.
CORRUPTION The Consul marks the ones daring or foolish enough to step into his dungeons. Each Hero that is deployed during the Dungeoneering Phase gains two Corruption just for doing so. If a Boss is defeated, then the Hero who struck the final blow gains an additional Corruption.
If a Hero had Corruption points and did not enter the Dungeon during the Dungeoneering Phase, they have to remove one Corruption during this phase as well.
DUELING If an argument about a piece of Treasure can't be settled amicably then the Guildmasters who want it may face each other in the Arena if you have the rules. One added restriction, though, is that Guilds can only use Minibosses and Spawners which share its Crystal Affinity(ies); this is a mystery of the Arena and not even the wisest know why it exists.
TRADING Ain't no such thing. Okay, if you WANT to allow it at your table, a Guildmaster can trade up to 5 Shards from his stash to another Guildmaster for an equal amount of Shards; no price gouging allowed.
BUILDING PHASE As already said, each Floor has 6 spaces for Rooms. Some Rooms take multiple spaces; the number of spaces each one takes up is noted in (parentheses) after the Room's name. The cost comes after that; in addition to any color notations as per the Aftermath phase (CERS), A for All is a common price. If no type of Shard is specified, then it can be ANY shard.
Most rooms can only be built a set number of times, and the price increases when multiples are built. Also, any given Room aside from the Hero Haven MUST have at least one Hero available to run it of an Affinity that matches the Room's, aside from the Loot Locker and Treasure Trove. [DEV NOTE: Right now I'm not sure about the pricing structure; I think that 1-2 new rooms should be available after each game, just to keep the campaign interesting, but once again this needs to be tested.]
LIST Floors, 10 Max Technically not a Room. But still required! Note that these could be above or below ground, depending on your Guild's given style; either way each floor's size is restricted because of zoning laws and jealous neighbors. From Floors 1-5 the cost is 5A Shards; from Floors 6-10 the cost is 10A Shards.
Boss Bedroom (1) Free Just a place for you to lay your head down to rest. But it also adds one reroll to your total! Isn't that nice?
Hero Haven (1) 5 Shards, Unlimited Perfect for a single Hero to reside in. Each customized chamber provides enrichment, bedding, and a sippy tube for hydration. Adding a room allows you to recruit a Hero from the available pool for free.
Loot Locker (1) 5A 1st, 10A 2nd, 15A 3rd This channels enough magical energy into a Loot card to keep it intact, allowing the Guildmaster to equip it to a Hero when selecting them for the Dungeoneering Phase.
Treasure Trove (2) 10A 1st, 20A 2nd Just like the Loot Locker, this ultimate goals Room lets you steal and keep a valuable Treasure card from the dread Consul.
Carefree Cafeteria (2) 5C 1st, 10C 2nd This adds one reroll to your total, as well as saving on food costs for your poor Heroes - no more fattening takeout filled with MSG!
Sanctified Sauna (2) 5S 1st, 10S 2nd Aaahhh.... so relaxing, perfect for getting that darn dungeon dirt out of the pores. The Sauna allows a Hero using it to remove one extra Corruption during the Aftermath phase.
Oracle's Ossuary (2) 5R 1st, 10R 2nd What, did you think a Hero's job was done just because they were dead? Their spirits, called back from beyond, allows a Guildmaster to look at the Explore deck during the Dungeoneering phase and remove one card, then shuffle it.
Scavenger's Supply (2) 10E The Castle Town black market has a lot to offer... for a price. Still, sometimes that price can be just the right connection. Roll a blue die when this Room is used: S or 2 = Dungeon Key 1 = extra Potion 0 = Wrathaway (discard this to remove all Wrath from Heroes on the tile).
Cherub Chapel (2) 5A Prayers to the Goddess do get answered... sometimes. This allows the Guildmaster to resurrect a Hero who died during the Dungeoneering phase, with any Loot or Treasure that the Hero still had equipped able to be traded in for Shards as per the Aftermath phase.
Goddess' Grotto (6) 5A A place dedicated to the very being that sacrificed Herself to bring the world a chance against the evil Consul's forces. Having it gives one more reroll to a Guildmaster's total, and allows a Hero to remove one extra Corruption.
Ruby Rotunda (2) 5R This scarlet Room adds a Ruby affinity to the Guild.
Sapphire Sanctum (2) 5S This azure Room adds a Sapphire affinity to the Guild.
Emerald Enclosure (2) 5E This jade Room adds an Emerald affinity to the Guild.
Citrine Cell (2) 5C This amber Room adds a Citrine affinity to the Guild.
WEIRD IDEAS Corruption gives extra rerolls for that Hero, to give a possible benefit for sending in corrupted heroes despite the risk?
once a guild gets more than 5 floors the consul notices them more and gives extra corruption to force them to rotate heroes more? Along with starting along the higher difficulty charts?
Arena style tournament hosted when every player reaches 5 floors? Winner gets a free floor?
Keeping track of Hero happiness? Maybe they want larger rooms, and if they don't get them they leave? Naw, seems convoluted.
more and different rooms? Seems like fun.
submitted by iamfanboytoo to Super_Dungeon_Explore [link] [comments]


2020.10.19 21:17 mvmvgames Path of the Indie - Unfolding the Development

Path of the Indie - Unfolding the Development
https://preview.redd.it/nyfmbk7yo3u51.png?width=1500&format=png&auto=webp&s=248cd2bf54bcae46414b6bbbf45c374b080d769f

Part 3/15

Greetings! For newcomers here is the first post where you can find who I am and why these articles might interest you.
Disclaimer: I’m not going to tell you how to make video games but I will share my experience and learning process of managing an indie team while following the path.
Combats lacked VFX in early prototypes
That’s a great plan, Walter. That’s f\**in’ ingenious, if I understand it correctly. It’s a Swiss f***in’ watch.*
The Big Lebowski
Right after the first game conference (in the previous article) we had to identify:
  1. What was horrible? How was it supposed to be changed?
  2. What was absent? How to implement it?
  3. What was worth keeping due to its potential?
  4. What could be cut off painlessly?
To answer all those questions we had in our arsenal the list of reviews from the DevGamm conference and, of course, the roadmap. Back then we had two versions of it at our disposal: the real one for internal use and the attractive (read ‘fake’) one for public presentations.
We decided to do some serious feature-cutting and remove at least half of the content. While lacking expertise in important remaining aspects, we began the quest to acquire some in 3D-modeling, code writing, animation and marketing.
We used such resources like:
  1. Freelance platforms, forums and job sites
  2. Asked our mentor from the educational program to look through students
  3. Searched among our friends and contacts
It took us 2 months, dozens emails sent to friends and acquaintances, a few announcements made on gamedev forums and the networking power of our mentor. As a result, we managed to get onboard two experienced Programmers, a novice 3D-modeler, a Marketing Specialist, and found by a fluke a Level Designer and Game Designer with proficiency in localization in English and Chinese.
Was it difficult to scout? I would say ‘no’ but it did require a lot of patience and clearly specified responsibilities awaiting for ‘fresh blood’.
Was it difficult to get through responses? No but we weren’t overwhelmed with applications, of course.
Did it become harder in managing the team that grew up twice its size? To some degree. We created a few subject-related chats in telegram which I took under my moderation as a PM. One was for different kinds of announcements and general talk, another was for marketing and rest were dedicated to content, art and music. We set two conference calls per week. I prepared agendas for each, wrote down the results, created tasks in Jira, filled up the data in Confluence, saved documents on shared Google Drive and sorted all up to make the workflow easier for each member.
Each member of the squad can be followed by only 2 HNPC (Hostage NPC)
In July 2019 newly joined developers analyzed the insides of the project and reported back with a disturbing sentence “we need code refactoring” which stood for rebuilding the architecture and moving from Blueprints to C++. We had no choice and put that in action.
We carried out SWOT analysis and established that our game would be story-driven and all the mechanics and the visuals designed around the narrative. However, we still needed to determine the core loop gameplay because, mildly speaking, using “profound lore” is not quite an original approach. We began to create levels and game design drafts. The concept was revised and became more detailed. It was still far from actual documentation but we caught the essence.
By that time, we established unspoken rules which I suppose made us act like a dream team. These followed by the series of administrative documents: our charter, company policy and the list of employees. Our obligatory ‘welcome task’ includes a first insight into these guidelines.
Tasks for the team were based on a working version of the feature list which appeared to be efficient as it facilitated planning conference calls, marketing activity and made the overall workflow more transparent.
Our project was growing to something bigger although it had been conceived for learning and practicing at the very beginning. All members of our team as of the end of the summer in 2019 were aware that the development process would take much longer than it had been planned. To recap, we aimed to release the game (at least in Early Access) in August 2019 within 7 months of work. We had loads of enthusiasm but few free time in the evenings. The prolonged period for development wasn’t frightening to us. It is not the first time in gamedev history…
https://i.redd.it/e5wgj9ipp3u51.gif
At that moment the founders came up with the idea to transform this “gathering in a garage” into something serious that could actually sell itself. We all agreed to create a real thing as an objective. Not something to mention in the portfolio but to be our springboard for becoming a real developer studio.
This part covers the time from June to August 2019.

The moral of the story: the project was being developed as a product as well as our team had improvements in infrastructural and organizational perspective which allowed us to gain new levels afterwards. It took us certain steps to leave the unknown and enter a new stage of the indie path. Those steps were:
- Testing the build and key feature of the game during the conference showcase - Accepting that almost everything was terrible and had to be remade - Identifying how good the idea worked on attracting new people to work with us - Applying principles of interaction between team members which have minimum administrative costs - Converting our dreams into something feasible and venturing forth to the goal of making them true. So, we decided to start our own studio.
Part 1 — Gathering The Party Part 2 — Our First Game Conference
submitted by mvmvgames to gamedev [link] [comments]


2020.10.18 06:05 Pwngulator I watched Fatal Error (1999)

Man oh man. I think this qualifies as so bad it's good, but that may only be because I was drunk enough.
This is a cheesy made-for-tv movie that I first saw as a kid. The only thing I could remember about it was that there was a blind hacker who gets electrocuted through his keyboard. After some deep googling I finally found the name of it and a place to watch it.
Let me lay down what we're working with:
He's a doctor, but he's a loose cannon who doesn't play by the rules. He's been reprrimanded for insubordination too many times so now he works as an EMT; but he's the best damn EMT they got. Fuck protocol, let's save some lives.
She's a strong independent woman who don't need no man. She's pretty high up in the military. She's busy, with no time for games or saying "hello" or "goodbye" when using her cellular telephony device. Also, she has a PhD, so you know she's smart. But she still needs the main guy to explain fucking everything.
And what are they up against? A mysterious contagion that's killing people left and right, a maybe-evil corporation bent on market takeover, and a powerful computer hacker who works in a LITERAL dark basement and who presses Enter and backslash a lot.
Sounds fucking amazing right? Have some drinks and give it a go. It's on a site that starts with Y and ends with UBE (include "1999" in your search). I won't post the link here since I don't want it taken down.
Ok spoilers from here on out.
Ok so what the fuck was the plan of the Australian guy? Everyone on his conference call get MAGICALLY FACE MURDERED, and he's like "better call up and threaten the guy who I think did it!" And then that guy's creepy underling is like "step into my basement of horrors" and he just DOES?
And then the plan of the main duo. We're suspicious of this company, so let's just walk right in and ask. "So hey, we think your new product is killing people. What say you to that?" Like what were they expecting to happen? What if this powerful CEO actually was the murderer, then what?
You have a PIANO but no fucking silverware? What?
And then the end scene.... She has already established that it's been nerd boy all along (cute Silence of the Lambs reference BTW), so she runs up and shouts at Teal "we know about Reaper!" Like bitch he doesn't know what you're talking about! You already know it wasn't him! Try maybe, "Henderson is trying to kill you" or something else that will get his attention. And then he's laying there dying and she's asks him how to stop it....He coughs out: "Henderson..." Yeah? No. Fucking. Shit.
Also her smile in the epilogue was really fucking weird, not sure why. Like really creepy.
So anyway, has anyone else seen this?
submitted by Pwngulator to iwatchedanoldmovie [link] [comments]


2020.10.17 19:25 productism Daily Roundup Sat, October 17th, 2020

Daily update ⋅ October 17, 2020
Teslarati Tesla (TSLA) has overtaken Apple as millennial's go-to stock Tesla (NASDAQ: TSLA) has overtaken Apple as the most popular stock for millennial investors, according to Apex Clearing, a Dallas, Texas-based ...
Teslarati Tesla (TSLA) Robotaxi's influence on price targets is already taking effect Tesla (NASDAQ: TSLA) received a boosted price target from Morgan Stanley's Adam Jonas this morning from $272 to $333. The new, raised outlook ...
Benzinga Tesla Model 3 Refresh Is Here: 30 More Miles Of Range, New Wheels, More The Tesla Inc (NASDAQ: TSLA) Model 3 has been updated on Tesla's website, with new options and upgrades. The Model 3, first released in 2017, ...
StockNews 3 Stocks to Buy if You Think Biden Will Become President TSLA – Joe Biden has been preaching the need to take action to address climate change, criminal justice reform, and the importance of increasing ...
Seeking Alpha Major New Developments Racking Up For Tesla In Asia The growing strength of Tesla (NASDAQ:TSLA) in Asia was detailed in my article in August. This is centered around the rapidly-expanding ...
Nasdaq Here's Why Tesla (TSLA) is Set to Top Q3 Earnings Estimates Tesla TSLA is slated to release third-quarter 2020 results on Oct 21, after the closing bell. The Zacks Consensus Estimate for the quarter's earnings ...
Motley Fool Tesla Again Cutting Price of Model S, Musk Says For the second time in a matter of only days, Tesla (NASDAQ:TSLA) is reducing the price of its Model S sedan. That's according to the company's ...
Barron's Tesla Reports Earnings Next Week. This Is the Most Important Number to Watch. Gross profit margins for Tesla (ticker: TSLA) encompass everything from regulatory credits to product pricing to battery costs and manufacturing scale.
MarketWatch Tesla earnings: Investors are asking if 2020 sales guidance is intact Tesla TSLA, -2.05% is hosting a conference call with analysts and others to discuss the results at 5:30 p.m. Eastern. Advertisement. Tesla Chief ...
StockNews 3 High-Flying Stocks Setting Up for BIG MOVES This Earnings Season TSLA is also planning to launch three new electric vehicles shortly, including Tesla Cybertruck and 2 electric cars. Its new Model S Plaid is expected to ...
submitted by productism to TSLA [link] [comments]


2020.10.16 22:03 finnagains Facebook and Twitter Cross a Line Far More Dangerous Than What They Censor - by Glenn Greenwald (The Intercept)

Just weeks before the election, the tech giants unite to block access to incriminating reporting about their preferred candidate.
The New York Post is one of the country’s oldest and largest newspapers. Founded in 1801 by Alexander Hamilton, only three U.S. newspapers are more widely circulated. Ever since it was purchased in 1976 by media mogul Rupert Murdoch, it has been known — like most Murdoch-owned papers — for right-wing tabloid sensationalism, albeit one that has some real reporters and editors and is capable of reliable journalism.
On Wednesday morning, the paper published on its cover what it heralded as a “blockbuster” scoop: “smoking gun” evidence, in its words, in the form of emails purportedly showing that Joe Biden’s son, Hunter, traded on his father’s position by securing favors from the then-Vice President to benefit the Ukranian energy company Burisma, which paid the supremely unqualified Hunter $50,000 each month to sit on its Board. While the Biden campaign denies that any such meetings or favors ever occurred, neither the campaign nor Hunter, at least as of now, has denied the authenticity of the emails.
The Post’s hyping of the story as some cataclysmic bombshell was overblown. While these emails, if authenticated, provide some new details and corroboration, the broad outlines of this story have long been known: Hunter was paid a very large monthly sum by Burisma at the same time that his father was quite active in using the force of the U.S. Government to influence Ukraine’s internal affairs.
Along with emails relating to Burisma, the New York Post also gratuitously published several photographs of Hunter, who has spoken openly and commendably of his past struggles with substance abuse, in what appeared to various states of drug use. There was no conceivable public interest in publishing those, and every reason not to.
The Post’s explanation of how these documents were obtained is bizarre at best — they claim that Hunter Biden indefinitely left his laptop containing the emails at a repair store, and the store’s owner, alarmed by the corruption they revealed, gave the materials from the hard drive to the FBI and then to Rudy Giuliani.
While there is no proof that Biden followed through on any of Hunter’s promises to Burisma, there is no reason, at least thus far, to doubt that the emails are genuine. And if they are genuine, they at least add to what is undeniably a relevant and newsworthy story involving influence-peddling relating to Hunter Biden’s work in Ukraine and his trading on the name and power of his father, now the front-runner in the 2020 presidential election.
But the Post, for all its longevity, power and influence, ran smack into two entities far more powerful than it: Facebook and Twitter. Almost immediately upon publication, pro-Biden journalists created a climate of extreme hostility and suppression toward the Post story, making clear that any journalist even mentioning it would be roundly attacked. For the crime of simply noting the story on Twitter (while pointing out its flaws), New York Times reporter Maggie Haberman was instantly vilified to the point where her name, along with the phrase “MAGA Haberman,” were trending on Twitter.
(That Haberman is a crypto-Trump supporter is preposterous for so many reasons, including the fact that she is responsible for countless front-page Times stories that reflect negatively on the president; moreover, the 2016 Clinton campaign considered Haberman one of their most favorable reporters).
The two Silicon Valley giants saw that hostile climate and reacted. Just two hours after the story was online, Facebook intervened. The company dispatched a life-long Democratic Party operative who now works for Facebook — Andy Stone, previously a communications operative for Democratic Senator Barbara Boxer and the Democratic Congressional Campaign Committee, among other DC Democratic jobs — to announce that Facebook was “reducing [the article’s] distribution on our platform”: in other words, tinkering with its own algorithms to suppress the ability of users to discuss or share the news article. The long-time Democratic Party official did not try to hide his contempt for the article, beginning his censorship announcement by snidely noting: “I will intentionally not link to the New York Post.”
Twitter’s suppression efforts went far beyond Facebook’s. They banned entirely all users’ ability to share the Post article — not just on their public timeline but even using the platform’s private Direct Messaging feature.
Early in the day, users who attempted to link to the New York Post story either publicly or privately received a cryptic message rejecting the attempt as an “error.” Later in the afternoon, Twitter changed the message, advising users that they could not post that link because the company judged its contents to be “potentially harmful.”
Even more astonishing still, Twitter locked the account of the New York Post, banning the paper from posting any content all day and, evidently, into Thursday morning. The last tweet from the paper was posted at roughly 2:00 p.m. ET on Wednesday.
And then, on Thursday morning, the Post published a follow up article using the same archive of materials, this one purporting to detail efforts by the Vice President’s son to pursue lucrative deals with a Chinese energy company by using his father’s name. Twitter is now also banning the sharing or posting of links to that article as well.
In sum, the two Silicon Valley giants, with little explanation, united to prevent the sharing and dissemination of this article. As Los Angeles Times reporter Matt Pearce put it, “Facebook limiting distribution is a bit like if a company that owned newspaper delivery trucks decided not to drive because it didn’t like a story. Does a truck company edit the newspaper? It does now, apparently.”
That the First Amendment right of free speech is inapplicable to these questions goes without saying. That constitutional guarantee restricts the actions of governments, not private corporations such as Facebook and Twitter.
But glibly pointing this out does not come close to resolving this controversy. That actions by gigantic corporations are constitutional does not mean that they are benign.
State censorship is not the only kind of censorship. Private-sector repression of speech and thought, particularly in the internet era, can be as dangerous and consequential. Imagine, for instance, if these two Silicon Valley giants united with Google to declare: henceforth we will ban all content that is critical of President Trump and/or the Republican Party, but will actively promote criticisms of Joe Biden and the Democrats.
Would anyone encounter difficultly understanding why such a decree would constitute dangerous corporate censorship? Would Democrats respond to such a policy by simply shrugging it off on the radical libertarian ground that private corporations have the right to do whatever they want? To ask that question is to answer it.
To begin with, Twitter and particularly Facebook are no ordinary companies. Facebook, as the owner not just of its massive social media platform but also other key communication services it has gobbled up such as Instagram and WhatsApp, is one of the most powerful companies ever to exist, if not the most powerful. In June, the House Judiciary Subcommittee on Antitrust, Commercial, and Administrative Law launched an investigation into the consolidated power of Facebook and three other companies — Google, Amazon and Apple — and just last week issued a sweeping report which, as Ars Technica explained, found:
Facebook outright “has monopoly power in the market for social networking,” and that power is “firmly entrenched and unlikely to be eroded by competitive pressure” from anyone at all due to “high entry barriers—including strong network effects, high switching costs, and Facebook’s significant data advantage—that discourage direct competition by other firms to offer new products and services.”
In his New York Times op-ed last October, the left-wing expert on monopoly power Matt Stoller described Facebook and Google as “global monopolies sitting astride public discourse,” and recounted how bipartisan policy and legal changes designed to whittle away antitrust protections have bestowed the two tech giants with “a radical centralization of power over the flow of information.” And he warns that this unprecedented consolidation of control over our discourse is close to triggering “the collapse of journalism and democracy.”
It has been astonishing to watch Democrats over the last twenty-four hours justify this censorship on the grounds that private corporations are entitled to do whatever they want. Not even radical free-market libertarians espouse such a pro-corporate view. Even the most ardent capitalist recognizes that companies that wield monopoly or quasi-monopoly power have an obligation to act in the public interest, and are answerable to the public regarding whether they are doing so.
That is why in both the EU and increasingly the U.S., there are calls from across the political spectrum to either break up Facebook on antitrust and monopoly grounds or regulate it as a public utility, the way electric and water companies and AT&T have been. Almost nobody in the democratic world believes that Facebook is just some ordinary company that should be permitted to exercise unfettered power and act without constraints of any kind. Indeed, Facebook’s monumental political and economic power — greater than most if not all the governments of nation-states — is the major impediment to such reforms.
Beyond that, both Facebook and Twitter receive substantial, unique legal benefits from federal law, further negating the claim that they are free to do whatever they want as private companies. Just as is true of Major League Baseball — which is subject to regulation by Congress as a result of the antitrust exemption they enjoy under the law — these social media companies receive a very valuable and particularized legal benefit in the form of Section 230 of the Communications Decency Act, which shields them from any liability for content published on their platforms, including defamatory material or other legally proscribed communications.
No company can claim such massive, unique legal exemptions from the federal law and then simultaneously claim they owe no duties to the public interest and are not answerable to anyone. To advocate that is a form of authoritarian corporatism: simultaneously allowing tech giants to claim legally conferred privileges and exemptions while insisting that they can act without constraints of any kind.
Then there is the practical impact of Twitter and Facebook uniting to block content published by a major newspaper. It is true in theory that one can still read the suppressed article by visiting the New York Post website directly, but the stranglehold that these companies exert over our discourse is so dominant that their censorship amounts to effective suppression of the reporting.
In 2018, Pew Research found that “about two-thirds of U.S. adults (68%) get news on social media sites. One-in-five get news there often.“ The combination of Facebook, Google and Twitter controls the information received by huge numbers of Americans, Pew found. “Facebook is still far and away the site Americans most commonly use for news. About four-in-ten Americans (43%) get news on Facebook. The next most commonly used site for news is YouTube [owned by Google], with 21% getting news there, followed by Twitter at 12%.”
While Twitter still falls short of Facebook in terms of number of users, a 2019 report found that “Twitter remains the leading social network among journalists at 83%.” Censoring a story from Twitter thus has disproportionate impact by hiding it from the people who determine and shape the news.
The grave dangers posed by the censorship actions of yesterday should be self-evident. Just over two weeks before a presidential election, Silicon Valley giants — whose industry leaders and workforce overwhelmingly favor the Democratic candidate — took extraordinary steps to block millions, perhaps tens of millions, of American voters from being exposed to what purports to be a major exposé by one of the country’s oldest and largest newspapers.
As the New York Times put it in an article in March about the political preferences of tech leaders: “Silicon Valley has long leaned blue.” Large numbers of tech executives, including Facebook’s second-in-command Sheryl Sandberg, were also vocally supportive of Hillary Clinton in 2016. At the very least, the perception, if not the reality, has been created that these tech giants are using their unprecedented power over political and election-related information to prevent the dissemination of negative reporting about the presidential candidate they favor. Whatever that is, it is not democratic or something to cheer.
The rationale offered by both Twitter and Facebook to justify this censorship makes it more alarming, not less. Twitter claimed that the Post article violates its so-called “Hacked Materials Policy,” which it says permits “commentary on or discussion about hacked materials, such as articles that cover them but do not include or link to the materials themselves”; in other words, Twitter allows links to articles about hacked materials but bans “links to or images of hacked material themselves.”
The company added that their policy “prohibits the use of our service to distribute content obtained without authorization” because, they said, they “don’t want to incentivize hacking by allowing Twitter to be used as distribution for possibly illegally obtained materials.”
But that standard, if taken seriously and applied consistently, would result in the banning from the platform of huge amounts of the most important and consequential journalism. After all, a large bulk of journalism is enabled by sources providing “content obtained without authorization” to journalists, who then publish it.
Indeed, many of the most celebrated and significant stories of the last several decades — the Pentagon Papers, the WikiLeaks’ Collateral Murder video and war logs, the Snowden reporting, the Panama Papers, the exposés from the Brazil Archive we reported over the last year — relied upon publication of various forms of “hacked materials” provided by sources. The same is true of the DNC and Podesta emails that exposed corruption and forced the 2016 resignation of the top five officials of the Democratic National Committee.
Does anyone think it would be justifiable or politically healthy for tech giants to bar access to those documents of historic importance in journalism and politics? That is what the Twitter policy, taken on its face, would require.
For that matter, why is Twitter not blocking access to the ongoing New York Times articles that disclose the contents of President Trump’s tax returns, the unauthorized disclosure of which is a crime? Why did those platforms not block links to the now-notorious Rachel Maddow segment where she revealed details about one of Trump’s old tax returns on the ground that it was “content obtained without authorization”? Or what about the virtually daily articles in the New York Times, Washington Post, NBC News and others that explicitly state they are publishing information that the source is unauthorized to disclose: how does that not fall squarely within the banning policy as Twitter defined it yesterday?
Worse still, why does Twitter’s “hacking” policy apply to the New York Post story at all? While the Post’s claims about how these emails were obtained are dubious at best, there is no evidence — unlike the award-winning journalism scoops referenced above — that they were obtained by virtue of “hacking” by a source.
Facebook’s rationale for suppression — that it needs to have its “fact checking” partners verify the story before allowing it to be spread — poses different but equally alarming dangers. What makes Mark Zuckerberg’s social media company competent to “fact check” the work of other journalists? Why did Facebook block none of the endless orgy of Russiagate conspiracy theories from major media outlets that were completely unproven if not outright false?
Do we really want Facebook serving as some sort of uber-editor for U.S. media and journalism, deciding what information is suitable for the American public to read and which should be hidden from it after teams of journalists and editors at real media outlets have approved its publication? And can anyone claim that Facebook’s alleged “fact-checking” process is applied with any remote consistency given how often they failed to suppress sketchily sourced or facially unreliable stories — such as, say, the Steele Dossier and endless articles based on it? Can you even envision the day when an unproven conspiracy theory — leaked by the CIA or FBI to the Washington Post or NBC News — is suppressed pending “fact-checking” by Facebook?
Twitter is not opposed to hacked materials and Facebook is not opposed to dubiously sourced stories. They are opposed to such things only when such stories anger powerful factions. When those power centers are the ones disseminating such stories, they will continue to have free rein to do so.
The glaring fallacy that always lies at the heart of pro-censorship sentiments is the gullible, delusional belief that censorship powers will be deployed only to suppress views one dislikes, but never one’s own views. The most cursory review of history, and the most minimal understanding of how these tech giants function, instantly reveals the folly of that pipe dream.
Facebook is not some benevolent, kind, compassionate parent or a subversive, radical actor who is going to police our discourse in order to protect the weak and marginalized or serve as a noble check on mischief by the powerful. They are almost always going to do exactly the opposite: protect the powerful from those who seek to undermine elite institutions and reject their orthodoxies.
Tech giants, like all corporations, are required by law to have one overriding objective: maximizing shareholder value. They are always going to use their power to appease those they perceive wield the greatest political and economic power.
That is why Facebook accepts virtually every request from the Israeli Government to remove the pages of Palestinian journalists and activists on the grounds of “incitement,” but almost never accepts Palestinians’ requests to remove Israeli content. It is the same reason Facebook blocks and censors governments adverse to the U.S., but not the other way around. They are going to heed the interests of the powerful at the expense of those who lack it. It is utter madness to want to augment their censorship powers or to expect they will use it for any other ends.
Facebook and Twitter have in the past censored the content or removed the accounts of far-right voices. They have done the same to left-wing voices. That is always how it will work: it is exclusively the voices on the fringes and the margins, the dissidents, those who reside outside of the factions of power who will be subjected to this silencing. Mainstream political and media voices, and the U.S. Government and its allies, will be fully free to spread conspiracy theories and disinformation without ever being subjected to these illusory “rules.”
Censorship power, like the tech giants who now wield it, is an instrument of status quo preservation. The promise of the internet from the start was that it would be a tool of liberation, of egalitarianism, by permitting those without money and power to compete on fair terms in the information war with the most powerful governments and corporations.
But just as is true of allowing the internet to be converted into a tool of coercion and mass surveillance, nothing guts that promise, that potential, like empowering corporate overloads and unaccountable monopolists to regulate and suppress what can be heard.
To observe that those who are cheering for this today because they happen to like this particular outcome are being short-sighted and myopic is to woefully understate the case. The only people who should want to live in a world where Mark Zuckerberg and Sundar Pichai and Jeff Bezos have a stranglehold on what can be said and heard are those whose actions are devoted to the perpetuation of their power and who benefit from their hegemony.
Everyone else will eventually be faced with the choice of conformity or censorship, of refraining from expressing prohibited views as the cost for maintaining access to crucial social media platforms. The only thing more authoritarian than the acts of Facebook and Twitter yesterday is the mentality that causes ordinary people to cheer it, to be grateful for the power and control they have long wielded and yesterday finally unleashed.
Update: Oct. 16, 2020, 6:18 a.m. ET Late Thursday evening, Twitter announced changes to its ”Hacked Materials Policy” designed to address concerns that its policy as stated — and as applied to the Post articles — would result in the banning of crucial reporting based on hacked materials or other “unauthorized” disclosures. Explained by Vijaya Gadde, a top Twitter executive, the new rules now provide that Twitter’s policy applies not to articles by news outlets reporting on hacked materials but only in those cases when the hacked material “is directly shared by hackers or those acting in concert with them.” Additionally, going forward, Twitter “will label Tweets to provide context instead of blocking links from being shared.” Gadde said specifically that the changes are intended “to address the concerns that there could be many unintended consequences to journalists, whistleblowers and others in ways that are contrary to Twitter’s purpose of serving the public conversation.”
There are still serious concerns about what Twitter did in this particular case and how these rules will be applied to future cases, but these changes are a commendably responsive effort to minimize the dangers of this policy and alleviate the concerns raised by journalists and transparency advocates.
https://theintercept.com/2020/10/15/facebook-and-twitter-cross-a-line-far-more-dangerous-than-what-they-censo
submitted by finnagains to leftwinger [link] [comments]


2020.10.16 15:53 Jeff-Netwrix Improving Your Security Skills when You Are Not a Beginner Anymore

Improving Your Security Skills when You Are Not a Beginner Anymore
It’s easy to find resources for getting started with cybersecurity — but far harder to find ones designed for people who are already working as cybersecurity professionals. To help, we’ve collected some great options for advancing your skills.

Taking advanced training courses

All too often, cybersecurity pros assume that structured training courses are appropriate only for beginners. The truth is, there are free and paid cybersecurity courses on the market that will help you grow as a professional and avoid critical mistakes.
In addition, vendors often offer training when they release new software or product updates. Taking these classes can quickly bring you up to speed on the solution’s key functionality, saving you a lot of time later.

Earning official certifications

Almost all highly valued courses offer certification levels. Certifications are often costly, but they offer several benefits. First, certification means that you have proven your knowledge and ability in a certain area, which makes you a more desirable candidate for vacancies. For instance, acquiring a certificate from Cisco, a recognized vendor of various hardware, network and application solutions that are used almost in every company, will give you a definite competitive advantage.
Also, it’s a common practice for companies to conduct webinars for their certified specialists when they plan to roll out major improvements, which enables you to get acquainted with the updates before the official release.
Here are several of the most popular cybersecurity certifications:

Participating in hackathons

Another way to improve your cybersecurity skills and network with colleagues is to participate in hackathons, where professionals collaborate intensively to develop a unique project in a limited time. One of the most popular resources for finding these events is Hackathon.com. Enterprise giants such as Samsung also regularly organize hackathons.

Participating in penetration testing and bounty programs

Security specialists work with their IT environment closely every day. With new attack vectors and new vulnerabilities appearing almost every day, it’s wise for companies to periodically get an outside perspective on their cybersecurity posture. External penetration testers will try to breach their defenses using a variety of techniques, from scanning ports to looking for backdoors in publicly available services. Working as a pen tester can help you expand your knowledge of how to defend against cyber threats.
You can also participate in security bounty programs; many companies pay generously if you report a security bug or other vulnerability to them.

https://preview.redd.it/cab8hj24pgt51.png?width=1024&format=png&auto=webp&s=cdfcadc2162b1cd5ffcafc1aae68d11412cd57d6
Vendors that offer security bounty programs include:

Learning about social engineering attacks

Any system operated by humans is remains vulnerable to social engineering attacks. Therefore, in addition to enhancing your technical knowledge in cybersecurity, it’s important to learn how to develop procedures to block social engineering attacks, such as requiring verification before providing information to third parties. Options for enhancing your knowledge in this area include taking a course or reading materials written by social engineers, such as this book.

Exploring adjacent fields

To become truly proficient in cybersecurity topics, it’s worth looking deeper into related fields. For instance, you can dive into a particular operating system or virtual environment, learning its file structure and permissions methodologies to understand its vulnerabilities. In addition, it’s worth dedicating some time to learn the OSI model, which divides network communication into seven layers, so you can ensure that security matters that lie above or below the level where you operate are covered.
Here are some additional resources that can help you deepen your knowledge:

Practice

The most effective method for honing your skills is to apply your knowledge. For example, you might start with something as simple as trying to protect your blog using a WordPress security checklist guide and then asking your peers to hack it.

Conferences

With conferences moving to online formats, cybersecurity pros have an unprecedented opportunity to learn from experts around the world. Here is list of virtual conferences and other events to consider attending.
Original Article - Expanding Your Cybersecurity Skills when You Are No Longer a Beginner

Related content:
· Free CompTIA Security+ Study Guide
· Top 10 Most Common Types of Cyber Attacks
submitted by Jeff-Netwrix to Netwrix [link] [comments]


2020.10.16 07:09 shomesrobery Most Important Cryptocurrencies

Bitcoin has been known by many to be the most famous decentralized cryptocurrency. However, besides bitcoin there exists other altcoins that confer a great value as well. Are you interested in learning about other cryptocurrencies? Well, bitcoin is not alone. Here are others.
1. Litecoin (LTC)
Statistics show that as of July 2018, Litecoin had per token value of $87.56. The coin was created by former Google engineer and MIT graduate named Charlie Lee. Just like bitcoin, Litecoin is not controlled by any central authority. It uses ''scrypt'' as proof of work. Different from bitcoin, Litecoin has got a faster block generation rate. This means that it offers a faster transaction confirmation.
The coin is based on an open source global payment network. The coin is generally accepted by merchants with the number growing each day. In July 2018, it had a market cap of $5.03 billion.
2. Ethereum (ETH)
It was launched in the year 2015. ETH is a decentralized software platform. It enables Distributed Applications and Smart Contracts to be built and run without downtime, fraud, control or third party interference. There exists a component called ether which acts like a vehicle within the ethereum platform. Developers seeking to develop and run applications within ethereum and investors aiming to purchases other digital currencies are the most interested parties in ether.
Value per token of ethereum as of July 2018 was $474.66 and a market cap of $ 47.84. Ethereum is the second most important cryptocurrency from bitcoin.
3. Zcash (ZEC)
Just like other altcoins, Zcash is an open-source and decentralized cryptocurrency. It was launched in the year 2016. This cryptocurrency is known to offer privacy and selective transparency of transactions. It's a unique feature different from other altcoins, isn't it?
ZEC claims to offer extra security where all the transactions are recorded and published on a blockchain. However, finer details involving the sender and recipient, and the amount are kept private. Statistics show that as of July 2018, Zcash had per token value of $206.23. It had a market cap of $904.85 in the same month.
4. Dash
It was originally known as darkcoin. Dash is a more secretive version of bitcoin. The working of Dash makes transactions almost untraceable. This because it provides anonymity since it works on a decentralized mastercode network.
Dash was launched in January 2014. Since then it has experienced an increase in fan following despite the short period of time. The cryptocurrency was created by Evan Duffield. It can be mined using a GPU or a CPU. Studies indicate that in July 2018, Dash had a market cap of $2.19 billion and value per token of $266.58.
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