How You Can Earn Bitcoin Tax Free - Forbes

I'm kinda ok with MCO -> CRO Swap; a indepth personal view

EDIT: this post https://www.reddit.com/Crypto_com/comments/i2yhuz/open_letter_to_kris_from_one_of_cdcs_biggest/ from u/CryptoMines expresses my sentiments and concerns better than I could ever put into words myself. I'd say read his/her post instead.
Very long post ahead, but TL;DR, I actually see this swap as a positive change, despite fearing for what it may do to my portofolio, and having mixed feelings about its consequences on CDC reputation.Before I start, for the sake of context and bias, here's my personal situation as a CDC user:
  1. I'm just a average Joe, with a 500 MCO Jade card. I bough 50 MCO at 5,22€ in September 2019 and staked for Ruby, then bough 440 MCO at 2.47€ in March 2020 and upgraded to Jade. The total amount of MCO I own is currently 515, and everything above the 500 stake is cashback rewards.
  2. I bought MCO exclusively for the card and bonus Earn interest benefits, and had no plans to unstake my MCO. Now with the swap, definetly won't unstake.
  3. The MCO -> CRO conversion rates increased the fiat value of my MCO in about 1000€.
  4. I own a decent amount of CRO, wich I bought at ~0,031€ in March 2020.
  5. The country where I live is crypto friendly and completely crypto-tax free; I only have to pay income tax if I deposit a certain threshold of fiat in my bank.
Take all these factors into account as possible (if not major) influencers or bias on my opinions; both the emotional and economical ones. Call me a fool or a devil's advocate if you want, but keep your torches and pitchforks down. As we say here on Reddit: "Remember the human".-----------------------------------------------------------------------------------------------------------------------------------------------------
Like all of you, I woke up to find this anouncement, wich came right the #[email protected] out of nowere, and gives you little to no options. Good or bad, this announcement arrived as basicly a "comply or die" choice. Emotionally, this came as both terrifying and disgusting; but rationally, I cannot blame CDC for it.
Because wether we like it or not, CDC is a centralized company, and the MCO tokens were never a stock or legally binding contract; something wich pretty much every crypto company or ICO warns in their T&C and risk warnings. Not to mention the mostly unregulated status of the cryptocurrency and. I'll call this "dishonest" any day, but I cannot see it as a "scammy" since I can't see how they broke any rules or terms.
A scammer would take your money/assets away, but CDC is offering you to swap it for another asset wich you can sell right away if you want. And at current price, it is still worth more or less as much fiat as MCO cost at the 5 $/€ wich was more or less the comunity standard used for calculating the card prices. And by that, I mean that the fiat value of 50/500/5000 MCO (as CRO) is actually not far from the 250/2500/25'000 $/€ that the comunity commonly used as standard when calculating the ROI and (under)valuation of MCO.
So CDC is at least trying to give us the option to get (some) our money back, and not at a unfair rate. If you happened to buy MCO at a price higher than this, I can't see how that's CDC's fault, just as I don't see anyone blaming Bitcoin or Altcoins for getting them stuck at the top of the 2017 bubble burst.
I read many posts in this reddit calling this a "backstab" and "betrayal" of early investors and for the people who "believed in MCO". Emotionally, I share your sentiment.But after thinking it for a while, I'd say this was actually very rewarding for early investors and long term MCO supporters. As CDC clearly sates in the swap rules; nobody is going to lose their card tier or MCO stake benefits (at least not yet), and your stake DOES NOT unstake automatically after 180 days. Actually, so far they never did unstake automatically, you had to manually unstake yourself.
With this in mind, everyone who already got their cards, or at least staked MCO to reserve one, basicly got them 3-5 times cheaper than future users; and IMHO, now the $/€ price of cards feels more fair and sustainable compared to their benefits.So in a sense, everyone who supported and believed on the MCO for its utility (i.e. the card and app benefits) has been greatly rewarded with perks that they get to keep, but are now out of reach for a lot of people.Likewise, the people who believed and invested in CRO (for whatever reason), have also been rewarded, as their CRO tokens now have more utility.
So either the price of CRO crashes down to around 0.05 $/€, or the people who bought MCO/CRO early or cheap are now massively benefited. But then again, so is everyone who bought or mined Bitcoin in its early days, or invested in Bitcoin at crucial points of its history... how is that unfair? Some people bought Ethereum at 1'400 $ on a mix of hopes/promises that it would continue to rise; it didn't. And even today with DeFi and ETH 2.0 ever closer, it is still far from that price.
And I know what some of you are thinking: "The cards aren't avaiable in my country yet, that's why I didn't buy/stake."Well, they weren't avaiable in my country either when I staked 50 MCO. Heck, the cards weren't avaiable in anyones country when MCO started, but many people still bought it and staked it. That's exacly what "early adopter", "long supporter" and "believing in MCO" means.
On the other hand, the people who invested on MCO as a speculative asset and decided to HODL and hoard MCO, hoping for its price to moon and then sell MCO at big profit, had their dreams mercilessly crushed by this swap... and good lord, I feel their pain.But this is also where I'll commit the sin of being judgemental, because IMHO, speculating on MCO never made any sense to me; MCO was a utility token, not a value token, so it should not (and could not) ever be worth more than the value of its utility. That's basicly how stablecoins and PAXG are able to stay stable; because nobody will pay more/less than the value of the asset/service they represent.
Tough now that I'm looking at the new card stake tiers in CRO, I have to give credit to the MCO hodlers I just now criticised; maybe you were right all along. Unless the price of CRO crashes or corrects, I wich case, I un-rest my case.
One thing I'll agree with everyone tough, is that I fell that CDC just suckerpunched it's comunity. Because even if we have no vote on its decisions (wich again, we aren't necessarily entitled to, since they are a privante and centralized business) they should/could have warned that this was in their plans well in advance; if anything to allow those who wouldn't like it to exit this train calmly.
Also the CRO stake duration reset. The mandatory reset of your CRO stake for taking advantage of the early swap bonus feels like another gut-punch.
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Now that we got emotional feelings out of the way, here's my sentiment about how this will affect the overall CDC ecossystem.
One common criticism of the sustainability of MCO was that its supply cap could never allow a large number of cards to be issued, and how could CDC keep paying the cashbacks and rebates. On the oposite corner, one of the major criticisms of the sustainability of CRO, was it's ridiculously huge supply cap and inflation caused by the gradual un-freezing and release of more CRO into the system.
But now that MCO and CRO became one, it might just have made both issues more sustainable. Now the huge supply cap of CRO makes more sense, as it allows a much larger number of future users to stake for cards (at higher costs, but still). And because most card cashback is small parcels, this large supply also ensures that CDC can keep paying said cashbacks for a long time; especially since it can be semi-renewable trough the trading fees we pay in CRO.
Before this, the MCO you got as cashback had no use, other than selling it for fiat or speculate on its price. But CRO can be used, at the very least, to receive a discount on trading fees. And everytime you pay trading fees in CRO or spend CRO on a Syndicate event, some of that CRO goes back to CDC, wich they can use to keep paying the cahsback/rebates.
And keep in mind, the technicalities of CRO can be changed, as well as the perks and utilities it can be used for. So even if this current model doesn't fix everything (wich it probably doesn't) it can still be changed to patch problems or expand its use.
Another obvious potentially positive outcome of this, is that now CDC only has to focus on 1 token, so it makes it easier to manage and drive its value. People complained that CDC was neglecting MCO over promoting CRO, but now they can focus on both services (cards/exchange) at the same time. Sure, this might not bring much advantage to the common customer, but its probably a major resource saver and optimizer at corporate levels; wich in the long term ultimately benefits its customers.
Much like Ethereum is undergoing major changes to ensure its scalability, the crypto companies themselves also have to change to acommodate the growing number of users, especially as the cryptomarket and DeFi are growing and becoming more competitive. Business strategies that were once successfull became obsolete, and exchanges that once held near-monopolies had to adjust to rising competitors. There is no reason why CDC shouldn't keep up with this, or at least try to.
Point is, the financial markets, crypto or otherwise, are not a status quo haven. And when something is wrong, something has to be changed, even if it costs. The very rise of cryptocurrencies and blockchain, wich is why we are here in the first place, is a perfect example of this, as it experiments and provides alternatives to legacy/traditional products and technologies.
Was this the best solution to its current problems? Is this what will protect us as customers from a potentially unsustainable business model? I have no idea.
This change ripped me too from my previous more or less relaxed status quo (the safety of the value of the CRO I bough for cheap), along with CRO late investors wich now probably fear for the devaluation of their CRO. To say nothing of the blow this represents for my trust (and I believe everyone elses trust) on CDC and its public relations. It's not what CDC did, it's how they did it.
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Wether you actually bothered to read all I wrote or just skip everything (can't blame you), I'm eager to hear your opinions and whatever criticisms on my opinions you may have.
If you just want to vent at me, you are welcome too; now you can raise your pitchforks and torches.
submitted by BoilingGarbage to Crypto_com [link] [comments]

I'm making a video targeting right-wingers - Please critique and give feedback ASAP before I commit to recording? "Axiomatic Warfare and the Fatal Flaws of Modern Fascism"

[Video Essay Script] - Links will be used in video as images and segments. https://docs.google.com/document/d/12OX9TTfLhgNEfdDaMWfsHYyAMzTx9G7bSwu_0Ke1Ksc/edit?usp=sharing

Introduction to Modern Fascism

“Repeat a lie often enough and it becomes the truth”- Nazi Propagandists, Joseph Goebbels.

Axioms are our base assumptions about the world. They act as filters for new information coming into our consciousness.
In classic philosophy, an axiom is a statement that is so evident or well-established, that it is accepted without controversy or question. As used in modern logic, an axiom is a premise or starting point for reasoning.
We use these axiomatic assumptions to build our internal models of the world around us. They allow us to compare new information we receive from the outside with our internal narratives, which helps us to decide whether to reject or accept that new information. They are, for want of a better world, your "common sense" beliefs.
So how do you go about changing a relatively normal person's core beliefs and base assumptions to the point of rejecting their fellow citizens as traitors, committing acts of murderous terrorist or vigilante violence like Fascist white supremacists running down protesters in acts of terror, ISIS beheadings or mass genocide?

Shock Treatment and Slow Repetition

When I was a child I was subjected to regular mental and physical abuse from my dad. I would also see my mother repeatedly beaten up and then flee to a women's refuge where I would stay with her.
Each time my mom left, whenever I visited my dad at weekends, he would constantly try to pressure and manipulate me into convincing my mom to get back together with him.
This never worked of course. But what it did do, is make me highly sensitive to manipulation techniques.
I was fascinated by people like the magician Derren Brown and the economist Naomi Klein - who both reveal the tricks of the trade used in the advertising and marketing industries to convince people.
One way of changing people into killing machines or obedient sheep is through a big shock to the system, like how electroshock therapy allows for a clean slate to rebuild peoples intern mental models.
Psychedelics are another way, having a similar effect in the brain. Encouraged by the alt right and alt-light influencers like Jordan Peterson and Rebel Wisdom as they try to “Red Pill” people (an expression taken from the film The Matrix as a metaphor for revealing revealing the truth about the world).
They use this shock and disorientation as a way to prepare a “blank-slate” in order to rebuild peoples internal axiomatic models with different core beliefs.
Remaking people by shocking them into obedience and gas-lighting them about their existing internal models, making them seem irrational, silly or outdated. Reducing them to a mental state of a child and then rebuilding them with a new ideology and worldview, known as “shock therapy”.
As Naomi Klein explains in The Shock Doctrine: The Rise of Disaster Capitalism, these techniques work on larger scales with use of trauma and shock to influence political outcomes has been used since at least Milton Friedman coined the term “Economic Shock Treatment”. He advised that politicians push through painful and unpopular policies all at once during a time of crisis, before people could regain their footing.
The technique is used in economic markets on the large scale, and also against individuals on a small scale with individuals too. Economics and politics is just human interaction on a larger scale, after all.
Regular repetition and gentle suggestions of ideas can also instil new axiomatic models and core beliefs into people's minds. As Derren Brown demonstrates how powerful subtly suggestions can be alone, without the need for hypnosis, shocks or drugs.
But used in combination, shock and repetition can shift people until they have moved their positions, perceptions and beliefs about the world, to a place they could never have imagined.
But luckily once you deconstruct the deception and understand how the trick works, the illusion falls apart.

Defining and Deconstructing Modern Fascism

Firstly, we must define Modern Fascism. Modern Fascism ticks every box of the traditional definitions in Umberto Eco’s essay Ur-Fascism, and not only does it fulfil every criteria, it reveals other motivational forces and has evolved to include new aspects, and has changed into something worse, while it’s main weakness remain the same - the fact that it is primarily motivated by weakness.
As General Franco said in a 1938 interview with Henri Massis: "Fascism presents, wherever it manifests itself, characteristics which are varied to the extent that countries and national temperaments vary. It is essentially a defensive reaction of the organism, a manifestation of the desire to live, of the desire not to die, which at certain times seizes a whole people. So each people reacts in its own way, according to its conception of life… What can it have in common with Hitlerism, which was, above all, a reaction against the state of things created by the defeat, and by the abdication and the despair that followed it?"
This quote perfectly illustrates the transient nature of the ideology, but also the core motivations of Fascism. It is an ideology based on the assumption of weakness which yearns for restoration of a past greatness or to get revenge and recognition. But the way that it manifests itself is different in each place it takes hold.
Therefore the aim of this isn’t to make the case that any particular party or country has embraced out-right fascism (plenty of other people have made that case already), the aim is to reveal the underlying motivations, highlight threats and weaknesses and analyse the less obvious negative effects of Modern Fascism.

History Doesn’t Repeat, But It Rhymes

A false equivalence that is often used is that Liberal Imperialism is just the same as Fascism. And while it is true that imperialists use fascist dictators to extract cheap labour and resources and also dominate smaller counties in a similar way to how fascist empires aspire to rule, the key difference is that the populations of those countries are not gripped by the same fear based delusions.
And therefore more Liberal democracies are better equipped to hold their imperial position of power long term because they are better able to assess risks and react accordingly, rather than over-react based on paranoia and competing egos under excessive pressure.
This false equivalence was also used in 1930’s Germany, because far-left Communists had been co opted and infiltrated by Fascists. They would repeat the mantra that “the Social Democrats were the real racists”.
Contrary to the assumptions of most people, Fascism, as an ideology and political system of government is very distinct to white supremacy. It does of course include white supremecists, but In fact includes many other groups who have been co-opted by Fascist propaganda, or who implicitly support and enable their agenda.
Examples of modern opposition which has been repeatedly infiltrated or just simply made up by Fascists include innumerable conspiracy theories, police groups like Blue Lives Matter, militant Black nationalists, the Boogaloo movement who call for a race war, the “Proud Boys” and even sometimes supposed Anarchists, far-left Communists and Left Accelerationists.

Motivations of Fascism

Fascism distilled down to its core reason for existing is the suppression of opposition who represent workers rights and economic justice. So they patently DON’T look after their own people. They con them into submission of the state by generating jingoistic fear of “the other” - whoever is convenient on that day to blame for their problems.
Fascism is is an economic shock doctrine upon the inhabitants of the country. We don't spread fascist propaganda in tip-pot dictators because we care about the indiginous people there. We install Fascist dictators in order to remove workers rights and open up access to their natural resources.
Artificial moral panics can be engineered and real disasters used to allow corrupt oligarchs and financial predators to consolidate power further by buying up small innovative businesses who don’t have the excess capital to survive the turmoil on their own without external support. Or as a way to eradicate public services by sabotaging them and building mistrust.
They are used to erode faith in public services and institutions by rich people who simply want to pay less tax and don’t see why they should subsidise other human beings who haven’t had the same luck as them. So a major motivation of fascism is to suppress the opposition left-wing party who represent workers rights and egalitarian freedoms.
Populists claim to be against free trade and to some extent they are, but whatever they do will fail because they are interfering with the markets, so they will retreat to the power of market domination. They use their threats of trade barriers as more just more shock treatment for markets, rather than protecting actual jobs or industries.
This is a trick that has been played by Neoliberals too. But while Neoliberals use fascism as a tool for opening markets to Imperialism, they differ from Libertarians, not only because they embrace guns and weed, but they are starting from different positions to achieve the same goal;
Neoliberals seek to remove already existing public services and workers rights that lift bargaining power. But Libertarians want to STOP the government from ever providing those services and investments into the poor or enshrining workers rights.

Modern Fascist Ideology has TWO Core Reasons to Exist; Fear and Freed.

I have been researching and analysing how economic systems differ, using a SWOT analysis (Strengths, Weaknesses, Opportunities and Threads). For each economic system I tried to be as neutral, fair and balanced as possible - which included Fascism.
I might seem strange that someone who is anti-Fascist would want to explore the strenghts and opportunities of Fascist ideologies, but in doing so it reveals the real weaknesses and threats which are too important for us to ignore.
So what exactly IS Fascism? Is it just an economic doctrine or a personal philosophy about the world? The answer is both.
The ideology has TWO core reasons to exist, and TWO distinct audiences types - with one based primarily on fear and the other greed, with each having a malignant and symbiotic relationship with each other.
Fear - Authoritarian/Conservative Fascists
Greed - Libertarian Fascists
There are very few people who actually buy into full Fascist ideology, most believe a watered down version of which resembles Conservatism or right-wing populism or accelerationism, and most of them genuinely believe they aren’t fascist, even though they are being constantly fed subtle suggestions fascist ideology or that align with their plans.
But the most ironic thing is that these groups are mostly being used by the second group of rich Libertarians globalist elites pulling a confidence trick on the host nation. Often posing “anti-establishment” conspiracists who actually uphold the establishment through misinformation. See: Russia Today and Youtube Bitcoin and Gold shills who subtly suggest fascist talking points.
With those rich Libertarians at the top more than happy for those below them, who they deem less worthy, living in even more delusional ideologies with fake enemies to fear, often resembling traditional Christian but values wrapped in modern conspiracies with added elements of “satanic panic”.
Modern Fascism has clearly inspired the modern day equivalents of Brownshirts and Blackshirts, self-styled vigilantes like QAnon, The Proud Boys and “The Boogaloo” - white nationalist violent extremists who want to accelerate towards a full-on race war.
It has also infiltrated numerous alternative groups, such as hyper-evangelical “end times” cults, alternative health scenes, internet conspiracy scenes like flat earth and occult magic.

Lockdown Conspiracies

A commonly missing hallmark of fascism that is present in history during the rise of fascism is a controlled opposition and explicit suppression of opposition. This distorts a healthy society and has unforeseen consequences and blowback.
Fantasies and political thought bubbles are self delusional custom realities resembling an episode of Black Mirror. They act as coping and escape mechanisms. Especially during the Covid 19 lock-down, these tendencies have gone into overdrive with massive events entering the real world featuring David Ike leading protesters alongside fascists as people ignore rising Fascism, climate change destruction and Covid deaths tolls.
Using disasters like Covid or irrational scare tactics such as the "Satanic Panic" style Fascist propaganda from QAnon, can shock people using their fear and disgust response, while making them distrust the news - allowing the government to evade valid criticism from experts while suggesting to people that government public services are inherently evil or Communist.
This type of propaganda is a Libertarians wet dream - making a population not only give up on tax funded public services, but actively fear them. An example is Trump trying to discredit and defund the US Postal Service and other public institutions and regulatory bodies.
Anti Semitism has been used throughout history by those in power to provoke an “us vs. them” mentality, leading to today's establishment still sanctioning and allowing Qanon on major media platforms, provoking and agitating terrorist attackers from the far-left and the far-right.
Those in power in fascist regimes allow and encourage mistrust in the mainstream media, while the long-tail niche political and interest groups keep people separated from each other, who each live in their own custom realities while the real elites continue to dominate and increase their power.
With each bubble framing realities based of identity, race, class, nationality, or even subculture special interests like alternative medicine and “gamer bro” culture, so that when they interact in real life or online, they are speaking past each other because they don’t even agree on the basic principles of how they view society.

The Fatal Flaws of Living in a Fantasy

While the main flaws and weaknesses of Fascism remain the same, they are in-fact exacerbated by this new hybrid model. It’s main weakness is the very fact that it is motivated by weaknesses, fear and greed - rather than true strength, self-confidence or heroic benevolent power, as their adherents like to believe.
A misconception of fascists themselves that it is based on strength, when it is actually based on weakness - even when the driving force is greed rather than fear. Libertarian fascists want to extract labour and materials at cheaper prices, while inflating their own asset values.
In other words; international financiers with little allegiance to any country. Ironically the very type of people who Conservative fascists claim to be opposed to.
Fascism claims to make society more successful, but it actually accelerates the destruction of the culture, country or people, rather than preserving and conserving it, because it betrays a fundamental weakness of insecurity. Competitors and rivals can easily see through the charade of and take advantage.
If anything does the exact opposite. Russian and China are clearly goading Western nations into becoming more divided and totalitarian, as they themselves benefit from becoming more Liberal and open and reap the competitive advantages that brings. See Kraut’s excellent video about Trump on China as an example.
Keynesian investment in the country and people, giving workers more rights, opportunities and a more bargaining power is what makes a country successful and innovative, rather than the faux Keynesian policy of giving kickbacks to corrupt officials for government contracts and widening inequality by supporting the already rich, rather than the ordinary people.

Who Benefits in This Memetic War?

Who is going to war with who? Who is winning? A modern adage is that tankies are just fascists because of their support of authoritarian proto-fascist leaders and regimes who often claim to be Communist.
But from my experience talking to actual fascists, they crave a more multi-polar world where other strong leaders rise up as competition and form alliances with dictators.
So to me, it looks like Fascists are the real Tankies; wishing our enemies be stronger and wanting to accelerate towards race war or civil war that weakens the society.
Not only did Donald Trump have knowledge of Russia allowing ISIS bounties on US troops and withhold that from the public while courting Putin, I have personally heard white supremacists backing extremists Islamists in Discord servers.
Trump jumped to the defense of the people who put a 17 year old with a gun against civil rights protesters and assumed the intent before saying that the outcome should be decided by the legal system.
They share common values and beliefs like Anti Semitism, accelerationist end-times fantasies, patriarchal traditional values and a fear of outside progressive cultures. In fact modern extremists white supremecist groups share recruitment and terrorist strategies and tactics with militant islamists.
You could argue that it was inflicted by Russian or Imperialist propagandists onto the German people in order to take control of larger areas of Europe after the destabilisation of war.
Hitler and Stalin came to a non agression truce called The Molotov–Ribbentrop Pact, which as was a secret non-aggression pact between Nazi Germany and the Soviet Union that enabled those two powers to partition Poland between them.
The pact, signed in Moscow on 23 August 1939 by German Foreign Minister Joachim von Ribbentrop and Soviet Foreign Minister Vyacheslav Molotov was officially known as the Treaty of Non-Aggression between Germany and the Union of Soviet Socialist Republics.
They divided Poland under the banner of fighting “Polish Fascism” nearly a century ago with both sides ultimately lying to their own people about spreading freedom while being authoritarian to their core and being able to blame “the other” as being the cause of all their problems.
But these days fascism seems to be a rogue meme that no longer serves any particular group. It is pathologically damaging to any society that it happens to grip.
Even the aforementioned Libertarians and accelerationists who think they are benefiting are only temporarily gaining by market price volatility. They ultimately lose through the blowback effect of the whirlpool they create.

Psychopathy, Alienation Nihilism and Insecurity

It is well established that Fascist dictators are driven by psychopathic characters and tendencies. They either don’t care about the truth, or disregard it if it’s not convenient to their narrative.
In totalitarian despotic societies facts are reversed. As George Orwell proclaimed throughout his writings; “War is peace. Freedom is slavery. Ignorance is strength.”.
Similar to how authoritarian Starlinist Communists harnessed people’s alienation and tricked them into thinking that it’s possible for the state to fully decommodify everything without having markets, money to account for things, domination or hierarchy or try to convince people that a revolution is just around the corner.
But of course, a council representative is still the head of an organisation, for all intents and purposes, because they wield executive power over others, even if the name has changed. Markets are emergent properties when groups of humans want or need a certain commodity when it becomes available.
But while both Communist and Fascist ideologies are based on lies that harness peoples alienation, fear and envy, Fascism is also especially to the weak. It is attractive to those who want to be strong again (or were never to begin with), or those who want to have a strong leader to help them.
Fascism betrays to others the inherent weakness. Like the insecure kid in school who lashes out - others around can see that it is because of their own insecurity which makes them appear even weaker. Fascism is a psychopathy driven by insecurity.
When people become so absorbed in an ideology there is a phenomena of people to self identify as an actual ideology? This produces a phenomena called Identity Protective Cognition, where people's self worth becomes attached to a belief system or ideology. So that when new information contradicts their worldview it is seen as an attack on the person themselves.
Therefore irrational, emotional quick fix thinking is the default when there is too much pressure and they feel attacked. They no longer use their slow effortful reflective thinking. (See Daniel Kahneman - Thinking, Fast and Slow)
This approach has parallels in evolutionary biology, in which a central issue is the ability to adapt to changing environments. Competency - over-competitiveness in management causes chaos which STOPS hierarchies of competence. (Insert video clips of Sapolsky on Chaos vs Reductionism etc. timestamps linked).
Fascists try to reduce variability in culture and outcomes - causes weakness of less adaptability - because as Sapolsky explains, the variability is not just noise in that type of system CAS (Complex Adaptive Systems) - the variability IS the system. It is fractal and scale free. The noise and variability is an intrinsic part of the system.
But the system doesn’t function properly when the agreed-upon parameters that individuals believe to be true aren’t universal enough to have any form of group coherence.
Birds and swarms of animals can produce amazing complex phenomena, which are greater than the sum of their individual parts. There is a “network effect” once a certain threshold and certain conditions and rules are met.
These rules can be very simple, like repulsion or attraction, or staying a certain distance apart while traveling in a similar direction, but collectively they create patterns that emerge with complexity and I dear say, a certain amount of beauty.
So what happens when millions of people are being brainwashed and misled by cults that are leaving them with a reduced ability to make decisions?
Giving them shit-for-brains just so that some rich people at the top can pay a few percentage less tax? That is the sign of a deeply sick system that cannot continue to function effectively. It is sick on so many levels.

Emergence, Complexity and Human Evolution - A Social-Biological Analysis

The problem with viewing the world through only one lens of analysis (or bucket of knowledge) is that you can fall into unnecessarily reductive thinking. (Sapolsky clips)
I describe myself as a philosophical anarchist. Which does NOT mean I want total chaos and disorder - it means I want the optimal solution to emerge - including the influences and experiences from the bottom-up.
I also think that a bottom-up (or anarchist) lens of analysis is necessary for society to run cohesively in an optimal state. If it is repressed it distorts the overall picture of reality for everyone - similar to a CEO that doesn’t listen to employees and workers on the ground.
I interpret as constantly holding authority to account - to justify its existence and reason for dominating others. I also believe it is every citizen's responsibility to hold authority to account. This would be necessary under ANY economic system or society.
Anarchists also believe in stigmenric, rhizomatic action to make the world better, organically, not from a top-down authority, which fascism seeks to instill on society.
Human beings are collectively parts of a bigger chaotic but stable system known as a CAS (Complex Adaptive System). CAS’s are chaotic systems that can reach periodic steady states of equilibrium.
As Professor Sapolsky explains, humans uniquely exist with a mixture of both communal and individualistic tendencies; known in the scientific world as Tournament vs. pair bonding.
All the evidence suggests that this tendency has greatly improved our success as a species. But those tendencies distorted too far one way or another lead to pathologies and the worst collective misdeeds and wars.
Because as Professor Sapolsky also explains in his brilliant lecture series (which I have condensed the pertinent parts of into a 4 part YouTube video) about CAS; the signals coming from the randomness is being suppressed or repressed, it interferes with the functioning of the system.
Pressure in the system makes the patterns more complex but at a certain point of increasing pressure in the complex system, it stops being linear and the doubling of patterns and periodicity totally stops. Order completely begins to break down because of the butterfly effect.
Fascist regimes fettishise order and rigidity but in a complex adaptive system, the noise IS the phenomena, not a byproduct to be discarded, ignored or repressed.
The majority of people on the right genuinely want to help society by bringing order, using top-down draconian measures if necessary. Whereas the left generally wants to help society by proactively building from the bottom up.
I think both of these approaches are necessary to be balanced properly for a healthy functioning society to emerge.
It seems our tendency to harness both traits and to focus intently on one or the other is our greatest collective strength, while also being our greatest weakness.
And similarly, on an individual level I believe our greatest strengths and weakness are the fact that our brains work efficiently by categorising information to filter out the unimportant bits that slow us down.
As the book by Daniel Kahneman - Thinking, Fast and Slow, brilliantly explains, slow deliberate, consideration thinking takes energy and time, so our brains developed filters which come out as biases. This is an inherent weakness of the human brain.
Now imagine the butterfly effect on the life of just one person who is influenced by the brainworms of QAnon cults or conspiracies which distorts their internal models of the world which they use to filter information about the world
The sad and shocking stories on forums like QanonCasualties show the devastating effects on their close friends, family and work life - amplified by their ever increasingly disconnected lives. (insert Flat earther clip - zoom in on idiot rolling head)
Now scale that up to the level of a whole of a society, a country, or the world? This is a collective madness to cope with and avoid the reality facing us as a species.
Only collective action with agreed basic facts to work from will do to avoid the total descent into actual chaos and destruction.

TLDR; Conclusion and Final Thoughts

In this essay I will have put forward the case for the following four key arguments being true and I have present supporting evidence to explain the logical reasoning for why our current definitions need updating and the threat levels reassed, from a non-hysterical but critical perspective. The overall claims I made are:
  1. Modern Fascism has taken over right-wing populism and bears all the hallmarks of early 20th Century Fascist ideologies.
  2. The ideology has two main reasons to exist, and two distinct audiences which both have a symbiotic, pathological relationship with each other.
  3. The main flaws and weaknesses of fascist ideology remain the same as ever - that fascism is motivated by irrational fears, greed and self deception.
  4. Modern Fascism has major unforeseen damaging consequences for individuals, governments, organisational dynamics, and society at large.
This reality is something I think a lot of fascists, ultra-nationalists and people who have been influenced by the propaganda know deep down on some level already - that they are avoiding the realities of pandemics and ecological harms of ignoring science and reality as it is.
They ignore it because fantasies are simpler to understand. And a narrative based on fear of the other is a simpler way to to process a complex world.
It is also attractive to the part of us that is drawn to conflict and drama - that hunger for something genuinely interesting to happen.
But I would argue from my experience that the beautiful complexity of life in all it’s shades of grey is much more interesting, fun and genuinely fulfilling to understand and engage in, even if it might be harder to deal with and even harder to explain.
I believe doing so is also vital for the very survival of our species - we can no longer afford to live in a fantasy, we need to collectively take responsibility for the world as it exists in reality.
Thank you to my two Patrons:
Carmen Jongepier
E.V. Roske
Original Script on Patreon
submitted by Upper-Range to BreadTube [link] [comments]

Why we need to think more carefully about what money is and how it works

Most of us have overlooked a fundamental problem that is currently causing an insurmountable obstacle to building a fairer and more sustainable world. We are very familiar with the thing in question, but its problematic nature has been hidden from us by a powerful illusion. We think the problem is capitalism, but capitalism is just the logical outcome of aggregate human decisions about how to manage money. The fundamental problem is money itself, or more specifically general purpose money and the international free market which allows you to sell a chunk of rainforest and use the money to buy a soft drink factory. (You can use the same sort of money to sell anything and buy anything, anywhere in the world, and until recently there was no alternative at all. Bitcoin is now an alternative, but is not quite what we are looking for.) The illusion is that because market prices are free, and nobody is forced into a transaction, those prices must be fair – that the exchange is equitable. The truth is that the way the general money globalised free market system works means that even though the prices are freely determined, there is still an unequal flow of natural resources from poor parts of the world to rich parts. This means the poor parts will always remain poor, and resources will continue to accumulate in the large, unsustainable cities in rich countries. In other words, unless we re-invent money, we cannot overturn capitalism, and that means we can't build a sustainable civilisation.
Why does this matter? What use is it realising that general purpose money is at the root of our problems when we know that the rich and powerful people who run this world will do everything in their power to prevent the existing world system being reformed? They aren't just going to agree to get rid of general purpose money and economic globalisation. It's like asking them to stop pursuing growth: they can't even imagine how to do it, and don't want to. So how does this offer us a way forwards?
Answer: because the two things in question – our monetary system and globalisation – look like being among the first casualties of collapse. Globalisation is already going into reverse (see brexit, Trump's protectionism) and our fiat money system is heading towards a debt/inflation implosion.
It looks highly likely that the scenario going forwards will be of increasing monetary and economic chaos. Fiat money systems have collapsed many times before, but never a global system of fiat currencies floating against each other. But regardless of how may fiat currencies collapse, or how high the price of gold goes in dollars, it is not clear what the system would be replaced with. Can we just go back to the gold standard? It is possible, but people will be desperately looking for other solutions, and the people in power might also be getting desperate.
So what could replace it? What is needed is a new sort of complementary money system which both
(a) addresses the immediate economic problems of people suffering from symptoms of economic and general collapse and
(b) provides a long-term framework around which a new sort of economy can emerge – an economy which is adapted to deglobalisation and degrowth.
I have been searching for answers to this question for some time, and have now found what I was looking for. It is explained in this recently published academic book, and this paper by the same professor of economic anthropology (Alf Hornborg). The answer is the creation of a new sort of money, but it is critically important exactly how this is done. Local currencies like the Bristol Pound do not challenge globalisation. What we need is a new sort of national currency. This currency would be issued as a UBI, but only usable to buy products and services originating within an adjustable radius. This would enable a new economy to emerge. It actually resists globalisation and promotes the growth of a new sort of economy where sustainability is built on local resources and local economic activity. It would also reverse the trend of population moving from poor rural areas and towns, to cities. It would revitalise the “left behind” parts of the western world, and put the brakes on the relentless flow of natural resources and “embodied cheap labour” from the poor parts of the world to the rich parts. It would set the whole system moving towards a more sustainable and fairer state.
This may sound unrealistic, but please give it a chance. I believe it offers a way forwards that can
(a) unite disparate factions trying to provoke systemic change, including eco-marxists, greens, posthumanists and anti-globalist supporters of “populist nationalism”. The only people who really stand to lose are the supporters of global big business and the 1%.
(b) offers a realistic alternative to a money system heading towards collapse, and to which currently no other realistic alternative is being proposed.
In other words, this offers a realistic way forwards not just right now but through much of the early stages of collapse. It is likely to become both politically and economically viable within the forseeable future. It does, though, require some elements of the left to abandon its globalist ideals. It will have to embrace a new sort of nationalism. And it will require various groups who are doing very well out of the current economic system to realise that it is doomed.
Here is an FAQ (from the paper).
What is a complementary currency? It is a form of money that can be used alongside regular money.
What is the fundamental goal of this proposal? The two most fundamental goals motivating this proposal are to insulate local human subsistence and livelihood from the vicissitudes of national and international economic cycles and financial speculation, and to provide tangible and attractive incentives for people to live and consume more sustainably. It also seeks to provide authorities with a means to employ social security expenditures to channel consumption in sustainable directions and encourage economic diversity and community resilience at the local level.
Why should the state administrate the reform? The nation is currently the most encompassing political entity capable of administrating an economic reform of this nature. Ideally it is also subservient to the democratic decisions of its population. The current proposal is envisaged as an option for European nations, but would seem equally advantageous for countries anywhere. If successfully implemented within a particular nation or set of nations, the system can be expected to be emulated by others. Whereas earlier experiments with alternative currencies have generally been local, bottom-up initiatives, a state-supported program offers advantages for long-term success. Rather than an informal, marginal movement connected to particular identities and transient social networks, persisting only as long as the enthusiasm of its founders, the complementary currency advocated here is formalized, efficacious, and lastingly fundamental to everyone's economy.
How is local use defined and monitored? The complementary currency (CC) can only be used to purchase goods and services that are produced within a given geographical radius of the point of purchase. This radius can be defined in terms of kilometers of transport, and it can vary between different nations and regions depending on circumstances. A fairly simple way of distinguishing local from non-local commodities would be to label them according to transport distance, much as is currently done regarding, for instance, organic production methods or "fair trade." Such transport certification would of course imply different labelling in different locales.
How is the complementary currency distributed? A practical way of organizing distribution would be to provide each citizen with a plastic card which is electronically charged each month with the sum of CC allotted to him or her.
Who are included in the category of citizens? A monthly CC is provided to all inhabitants of a nation who have received official residence permits.
What does basic income mean? Basic income is distributed without any requirements or duties to be fulfilled by the recipients. The sum of CC paid to an individual each month can be determined in relation to the currency's purchasing power and to the individual's age. The guiding principle should be that the sum provided to each adult should be sufficient to enable basic existence, and that the sum provided for each child should correspond to the additional household expenses it represents.
Why would people want to use their CC rather than regular money? As the sum of CC provided each month would correspond to purchases representing a claim on his or her regular budget, the basic income would liberate a part of each person's regular income and thus amount to substantial purchasing power, albeit restricted only to local purchases. The basic income in CC would reduce a person's dependence on wage labor and the risks currently associated with unemployment. It would encourage social cooperation and a vitalization of community.
Why would businesses want to accept payment in CC? Business entrepreneurs can be expected to respond rapidly to the radically expanded demand for local products and services, which would provide opportunities for a diverse range of local niche markets. Whether they receive all or only a part of their income in the form of CC, they can choose to use some of it to purchase tax-free local labor or other inputs, and to request to have some of it converted by the authorities to regular currency (see next point).
How is conversion of CC into regular currency organized? Entrepreneurs would be granted the right to convert some of their CC into regular currency at exchange rates set by the authorities.The exchange rate between the two currencies can be calibrated so as to compensate the authorities for loss of tax revenue and to balance the in- and outflows of CC to the state. The rate would thus amount to a tool for determining the extent to which the CC is recirculated in the local economy, or returned to the state. This is important in order to avoid inflation in the CC sector.
Would there be interest on sums of CC owned or loaned? There would be no interest accruing on a sum of CC, whether a surplus accumulating in an account or a loan extended.
How would saving and loaning of CC be organized? The formal granting of credit in CC would be managed by state authorities and follow the principle of full reserve banking, so that quantities of CC loaned would never exceed the quantities saved by the population as a whole.
Would the circulation of CC be subjected to taxation? No.
Why would authorities want to encourage tax-free local economies? Given the beneficial social and ecological consequences of this reform, it is assumed that nation states will represent the general interests of their electorates and thus promote it. Particularly in a situation with rising fiscal deficits, unemployment, health care, and social security expenditures, the proposed reform would alleviate financial pressure on governments. It would also reduce the rising costs of transport infrastructure, environmental protection, carbon offsetting, and climate change adaptation. In short, the rising costs and diminishing returns on current strategies for economic growth can be expected to encourage politicians to consider proposals such as this, as a means of avoiding escalating debt or even bankruptcy.
How would the state's expenditures in CC be financed? As suggested above, much of these expenditures would be balanced by the reduced costs for social security, health care, transport infrastructure, environmental protection, carbon offsetting, and climate change adaptation. As these savings may take time to materialize, however, states can choose to make a proportion of their social security payments (pensions, unemployment insurance, family allowance, etc.) in the form of CC. As between a third and half of some nations' annual budgets are committed to social security, this represents a significant option for financing the reform, requiring no corresponding tax levies.
What are the differences between this CC and the many experiments with local currencies? This proposal should not be confused with the notion, or with the practical operation, of local currencies, as it does not imply different currencies in different locales but one national,complementary currency for local use. Nor is it locally initiated and promoted in opposition to theregular currency, but centrally endorsed and administrated as an accepted complement to it. Most importantly, the alternative currency can only be used to purchase products and services originating from within a given geographical range, a restriction which is not implemented in experiments with Local Exchange Trading Systems (LETS). Finally, the CC is provided as a basic income to all residents of a nation, rather than only earned in proportion to the extent to which a person has made him- or herself useful in the local economy.
What would the ecological benefits be? The reform would radically reduce the demand for long-distance transport, the production of greenhouse gas emissions, consumption of energy and materials, and losses of foodstuffs through overproduction, storage, and transport. It would increase recycling of nutrients and packaging materials, which means decreasing leakage of nutrients and less garbage. It would reduce agricultural intensification, increase biodiversity, and decrease ecological degradation and vulnerability.
What would the societal benefits be? The reform would increase local cooperation, decrease social marginalization and addiction problems, provide more physical exercise, improve psycho-social and physical health, and increase food security and general community resilience. It would decrease the number of traffic accidents, provide fresher and healthier food with less preservatives, and improved contact between producers and consumers.
What would the long-term consequences be for the economy? The reform would no doubt generate radical transformations of the economy, as is precisely the intention. There would be a significant shift of dominance from transnational corporations founded on financial speculation and trade in industrially produced foodstuffs, fuels, and other internationally transported goods to locally diverse producers and services geared to sustainable livelihoods. This would be a democratic consequence of consumer power, rather than of legislation. Through a relatively simple transformation of the conditions for market rationality, governments can encourage new and more sustainable patterns of consumer behavior. In contrast to much of the drastic and often traumatic economic change of the past two centuries, these changes would be democratic and sustainable and would improve local and national resilience.
Why should society want to encourage people to refrain from formal employment? It is increasingly recognized that full or high employment cannot be a goal in itself, particularly if it implies escalating environmental degradation and energy and material throughput. Well-founded calls are thus currently made for degrowth, i.e. a reduction in the rate of production of goods and services that are conventionally quantified by economists as constitutive of GDP. Whether formal unemployment is the result of financial decline, technological development, or intentional policy for sustainability, no modern nation can be expected to leave its citizens economically unsupported. To subsist on basic income is undoubtedly more edifying than receiving unemployment insurance; the CC system encourages useful community cooperation and creative activities rather than destructive behavior that may damage a person's health.
Why should people receive an income without working? As observed above, modern nations will provide for their citizens whether they are formally employed or not. The incentive to find employment should ideally not be propelled only by economic imperatives, but more by the desire to maintain a given identity and to contribute creatively to society. Personal liberty would be enhanced by a reform which makes it possible for people to choose to spend (some of) their time on creative activities that are not remunerated on the formal market, and to accept the tradeoff implied by a somewhat lower economic standard. People can also be expected to devote a greater proportion of their time to community cooperation, earning additional CC, which means that they will contribute more to society – and experience less marginalization – than the currently unemployed.
Would savings in CC be inheritable? No.
How would transport distances of products and services be controlled? It is reasonable to expect the authorities to establish a special agency for monitoring and controlling transport distances. It seems unlikely that entrepreneurs would attempt to cheat the system by presenting distantly produced goods as locally produced, as we can expect income in regular currency generally to be preferable to income in CC. Such attempts would also entail transport costs which should make the cargo less competitive in relation to genuinely local produce, suggesting that the logic of local market mechanisms would by and large obviate the problem.
How would differences in local conditions (such as climate, soils, and urbanism) be dealt with?It is unavoidable that there would be significant variation between different locales in terms of the conditions for producing different kinds of goods. This means that relative local prices in CC for agiven product can be expected to vary from place to place. This may in turn mean that consumption patterns will vary somewhat between locales, which is predictable and not necessarily a problem. Generally speaking, a localization of resource flows can be expected to result in a more diverse pattern of calibration to local resource endowments, as in premodern contexts. The proposed system allows for considerable flexibility in terms of the geographical definition of what is categorized as local, depending on such conditions. In a fertile agricultural region, the radius for local produce may be defined, for instance, as 20 km, whereas in a less fertile or urban area, it may be 50 km. People living in urban centers are faced with a particular challenge. The reform would encourage an increased production of foodstuffs within and in the vicinity of urban areas, which in the long run may also affect urban planning. People might also choose to move to the countryside, where the range of subsistence goods that can be purchased with CC will tend to be greater. In the long run, the reform can be expected to encourage a better fit between the distribution of resources (such as agricultural land) and demography. This is fully in line with the intention of reducing long-distance transports of necessities.
What would the consequences be if people converted resources from one currency sphere into products or services sold in another? It seems unfeasible to monitor and regulate the use of distant imports (such as machinery and fuels) in producing produce for local markets, but as production for local markets is remunerated in CC, this should constitute a disincentive to invest regular money in such production processes. Production for local consumption can thus be expected to rely mostly – and increasingly – on local labor and other resource inputs.

submitted by anthropoz to sustainability [link] [comments]

Wandering From the Path? | Monthly Portfolio Update - August 2020

Midway along the journey of our life I woke to find myself in a dark wood, for I had wandered off from the straight path.
Dante, The Divine Comedy: Inferno, Canto I
This is my forty-fifth portfolio update. I complete this update monthly to check my progress against my goal.
Portfolio goal
My objective is to reach a portfolio of $2 180 000 by 1 July 2021. This would produce a real annual income of about $87 000 (in 2020 dollars).
This portfolio objective is based on an expected average real return of 3.99 per cent, or a nominal return of 6.49 per cent.
Portfolio summary
Total portfolio value $1 848 896 (+$48 777 or 2.7%)
Asset allocation
Presented visually, below is a high-level view of the current asset allocation of the portfolio.
[Chart]
Comments
The portfolio has increased in value for the fifth consecutive month, and is starting to approach the monthly value last reached in January.
The portfolio has grown over $48 000, or 2.7 per cent this month, reflecting the strong market recovery since late March
[Chart]
The growth in the portfolio was broadly-based across global and Australian equities, with an increase of around 3.8 per cent. Following strong previous rises, gold holdings decreased by around 2.2 per cent, while Bitcoin continued to increase in value (by 2.5 per cent).
Combined, the value of gold and Bitcoin holdings remain at a new peak, while total equity holdings are still below their late January peak to the tune of around $50 000. The fixed income holdings of the portfolio continue to fall below the target allocation.
[Chart]
The expanding value of gold and Bitcoin holdings since January last year have actually had the practical effect of driving new investments into equities, since effectively for each dollar of appreciation, for example, my target allocation to equities rises by seven dollars.
New investments this month have been in the Vanguard international shares exchange-traded fund (VGS) and the Australian shares equivalent (VAS). These have been directed to bring my actual asset allocation more closely in line with the target split between Australian and global shares set out in the portfolio plan.
As the exchange traded funds such as VGS, VAS and Betashares A200 now make up nearly 30 per cent of the overall portfolio, the quarterly payments they provide have increased in magnitude and importance. Early in the journey, third quarter distributions were essentially immaterial events.
Using the same 'median per unit' forecast approach as recently used for half yearly forecasts would suggest a third quarter payout due at the end of September of around $6000. Due to significant announced dividend reductions across this year I am, however, currently assuming this is likely to be significantly lower, and perhaps in the vicinity of $4000 or less.
Finding true north: approach to achieving a set asset allocation
One of the choices facing all investors with a preferred asset allocation is how strictly the target is applied over time, and what variability is acceptable around that. There is a significant body of financial literature around that issue.
My own approach has been to seek to target the preferred asset allocation dynamically, through buying the asset class that is furthest from its target, with new portfolio contributions, and re-investment of paid out distributions.
As part of monitoring asset allocation, I also track a measure of 'absolute' variance, to understand at a whole of portfolio level how far it is from the desired allocation.
This is the sum of the absolute value of variances (e.g. so that being 3 per cent under target in shares, and 7 per cent over target in fixed interest will equal an absolute variance of 10 per cent under this measure).
This measure is currently sitting near its highest level in around 2 years, at 15.0 per cent, as can be seen in the chart below.
[Chart]
The dominant reason for this higher level of variance from target is significant appreciation in the price of gold and Bitcoin holdings.
Mapping the sources of portfolio variances
Changes in target allocations in the past makes direct comparisons problematic, but previous peaks of the variance measure matches almost perfectly past Bitcoin price movements.
For a brief period in January 2018, gold and Bitcoin combined constituted 20 per cent, or 1 in 5 dollars of the entire portfolio. Due to the growth in other equity components of the portfolio since this level has not been subsequently exceeded.
Nonetheless, it is instructive to understand that the dollar value of combined gold and Bitcoin holdings is actually up around $40 000 from that brief peak. With the larger portfolio, this now means they together make up 17.2 per cent of the total portfolio value.
Tacking into the wind of portfolio movements?
The logical question to fall out from this situation is: to what extent should this drive an active choice to sell down gold and Bitcoin until they resume their 10 per cent target allocation?
This would currently imply selling around $130 000 of gold or Bitcoin, and generating a capital gains tax liability of potentially up to $27 000. Needless to say this is not an attractive proposition. Several other considerations lead me to not make this choice:
This approach is a departure from a mechanistic implementation of an asset allocation rule. Rather, the approach I take is pragmatic.
Tracking course drift in the portfolio components
As an example, I regularly review whether a significant fall in Bitcoin prices to its recent lows would alter my monthly decision on where to direct new investments. So far it does not, and the 'signal' continues to be to buy new equities.
Another tool I use is a monthly measurement of the absolute dollar variance of Australian and global shares, as well as fixed interest, from their ideal target allocations.
The chart below sets this out for the period since January 2019. A positive value effectively represents an over-allocation to a sector, a negative value, an under-allocation compared to target.
[Chart]
This reinforces the overall story that, as gold and Bitcoin have grown in value, there emerges a larger 'deficit' to the target. Falls in equities markets across February and March also produce visibly larger 'dollar gaps' to the target allocation.
This graph enables a tracking of the impact of portfolio gains or losses, and volatility, and a better understanding of the practical task of returning to target allocations. Runaway lines in either direction would be evidence that current approaches for returning to targets were unworkable, but so far this does not appear to be the case.
A crossing over: a credit card FI milestone
This month has seen a long awaited milestone reached.
Calculated on a past three year average, portfolio distributions now entirely meet monthly credit card expenses. This means that every credit card purchase - each shopping trip or online purchase - is effectively paid for by average portfolio distributions.
At the start of this journey, distributions were only equivalent to around 40 per cent of credit card expenses. As time has progressed distributions have increased to cover a larger and larger proportion of card expenses.
[Chart]
Most recently, with COVID-19 related restrictions having pushed card expenditure down further, the remaining gap to this 'Credit Card FI' target has closed.
Looked at on an un-smoothed basis, expenditures on the credit card have continued to be slightly lower than average across the past month. The below chart details the extent to which portfolio distributions (red) cover estimated total expenses (green), measured month to month.
[Chart]
Credit card expenditure makes up around 80 per cent of total spending, so this is not a milestone that makes paid work irrelevant or optional. Similarly, if spending rises as various travel and other restrictions ease, it is possible that this position could be temporary.
Equally, should distributions fall dramatically below long term averages in the year ahead, this could result in average distributions falling faster than average monthly card expenditure. Even without this, on a three year average basis, monthly distributions will decline as high distributions received in the second half of 2017 slowly fall out of the estimation sample.
For the moment, however, a slim margin exists. Distributions are $13 per month above average monthly credit card bills. This feels like a substantial achievement to note, as one unlooked for at the outset of the journey.
Progress
Progress against the objective, and the additional measures I have reached is set out below.
Measure Portfolio All Assets
Portfolio objective – $2 180 000 (or $87 000 pa) 84.8% 114.6%
Credit card purchases – $71 000 pa 103.5% 139.9%
Total expenses – $89 000 pa 82.9% 112.1%
Summary
What feels like a long winter is just passed. The cold days and weeks have felt repetitive and dominated by a pervasive sense of uncertainty. Yet through this time, this wandering off, the portfolio has moved quite steadily back towards it previous highs. That it is even approaching them in the course of just a few months is unexpected.
What this obscures is the different components of growth driving this outcome. The portfolio that is recovering, like the index it follows, is changing in its underlying composition. This can be seen most starkly in the high levels of variance from the target portfolio sought discussed above.
It is equally true, however, of individual components such as international equity holdings. In the case of the United States the overall index performance has been driven by share price growth in just a few information technology giants. Gold and Bitcoin have emerged from the shadows of the portfolio to an unintended leading role in portfolio growth since early 2019.
This month I have enjoyed reading the Chapter by Chapter release of the Aussie FIRE e-book coordinated by Pearler. I've also been reading posts from some newer Australian financial independence bloggers, Two to Fire, FIRE Down Under, and Chasing FIRE Down Under.
In podcasts, I have enjoyed the Mad Fientist's update on his fourth year of financial freedom, and Pat and Dave's FIRE and Chill episodes, including an excellent one on market timing fallacies.
The ASX Australian Investor Study 2020 has also been released - setting out some broader trends in recent Australian investment markets, and containing a snapshot of the holdings, approaches and views of everyday investors. This contained many intriguing findings, such as the median investment portfolio ($130 000), its most frequent components (direct Australian shares), and how frequently portfolios are usually checked - with 61 per cent of investors checking their portfolios at least once a month.
This is my own approach also. Monthly assessments allow me to gauge and reflect on how I or elements of the portfolio may have wandered off the straight way in the middle of the journey. Without this, the risk is that dark woods and bent pathways beckon.
The post, links and full charts can be seen here.
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An attepmt at explaining DeFi (this week...)

Warning, long post from my mornings contemplation. See https://twitter.com/markjeffrey/status/1300175793352445952 (Mark Jeffery 30 mins) for a video explaining DeFi.
This is my attempt at explaining DeFi.
I’m still learning this stuff, so any corrections are welcomed.
Links are provided for information, none are recommendations, nor referral links. Do your own research (DYOR) before investing :)
I’ll try not to shill YFI too much...
Not all platforms use the same mechanics as I describe, but I think I’ve covered the most common ones.

Stable coins
Crypro currency that is intended to maintain a level value. Normally with respect to USD $. Some rely on a trusted third party who has actual USD sitting in a bank account (USDT aka Tether, USDC…), others are trustless (DAI)

Maker
Lock collateral into the smart contract. Then DIA can be generated, and used for other things. DAI is designed to match the USD, and is completely trustless. You must have more value staked than the DAI removed (at least 150% over collateral) or you will get liquidated.

BTC on ETH
Bitcoin can not be directly used on the etherium chain. So, there are a number ways to make the value availble. Most involve trusting a 3rd party and the most common is wrapped BTC wBTC.
Notes WETH (Wrapped ETH) is used by some contracts to use ETH (direct use of ETH is not possible in some contracts) Unlinke WBTC, WETH is trustless as evrythign is done on the etherium blockchain (I think).

Lending
You deposit a valuable token onto a pool on platform, someone else borrows it. They pay interest to the pool. You get a proportion of the pools interest over time. When there is high demand for a particular token, the interest rate increases dynamically.
e.g. look at the interest rate model and click on the figure for
https://compound.finance/markets/USDC
Borrow rates increase lineally as more of the available pool is loaned. 2% at zero and 12.5% when the pool is emptied.
Earnings are lower than the borrowing rates because: There is more in the pool than borrowed. The platform takes a cut.
e.g. 50% of the pool is borrowed, the borrower pays 7.25%, but the lenders only get 3.38%. 3.38/0.5 = 6.76%, so about 0.5% of the interest is being taken by compound.
Different pools have different interest rate functions, DAI has an inflection point to maintain a buffer https://compound.finance/markets/DAI
The interest rate increases slowly to 4% until 75% of the available pool is loaned out. Then it’s much more expensive to borrow e.g. 16% APR at 90% utilisation.
When lending a single token into a single pool, you should always get the (slightly ?) more of same token back.

How lending works
You deposit ETH, you are given a token back as proof of participation in the pool (cETH for comound.finance).
The exchange rate for cETH to ETH is NOT fixed. Rather is changes over time. As the ETH interest is paid into the pool the cETH becomes more valuable compared to the initial deposit.
e.g. you deposit 10 ETH, and get 499.52 cETH. In a months time, you repay the 499.2 cETH cETH and get 10.1 ETH back. You have just gained 1%.

Taxes
In many jurisdictions, converting ETH to cETH would be classed as a taxable event (DYOR ! )

Lego Bricks
The cETH represents your ETH, so it has value. This means it can be used for other things...
Lego bricks is taken to mean that all these things fit together and you can sue them in different ways.

How borrowing works
You need to be over colarteralised to borrow from most platforms. So, if you deposit 10.0 ETH into a smart contract, you (currently) have $4,000 of collateral to work with. The platform may then let you borrow a % of your collateral in other tokens.
So, you can borrow $2,000 of USDC, to buy more 5 ETH. Then when ETH price goes up you sell $2100 back to USDC and repay the interest. Now you have 10.x ETH.
This is a form of Leverage, when the price goes up, you win. However, if the ETH price goes down, you risk being Liquidated. This means part of your collateral will be sold at the (lower) market price to repay your loan. There will likely be a penalty for you. (e.g. @ ETH = $300, 7.33 of your ETH is sold for $2,400, your USDC loan is repaid, and you keep the remaining 2.67 ETH and the 5 ETH you purchased.

Shorting
Deposit $8,000 collateral, Borrow 10 ETH and sell for $400 each. If the price drops to $380, buy 10.1 ETH and repay the loan and interest. You have just made $162 profit. However, if the price goes up you will still need to buy 10.1 ETH.

Flash Loans
A technomage creates a single transaction that borrows lots of money. Then within the same single ~13 second block uses it to do lots of complex things to hopefully make a profit. As it’s all within a single block, collateral is not required.
See https://mobile.twitter.com/nanexcool/status/1297068546023993349 for a transaction that made ~46,000 USDC profit (without collateral)
If this post is introducing you to the possibilities of flash loans, you are very unlikely to ever do one in the near future.
I think Aave is the most common source for flash loans.

Simple farming lending:
Simply put you token in which ever platform offers the largest interest rate. Moving to the best option costs gas (and attention).

Complex lending farming
Some platforms offer tokens in return for using a platform, so simple APR comparisons aren’t sufficient. If the additional platform token has high value it can distort the market.
E.g. when COMP was initially offered, it was profitable to:

  1. Place collateral on compound.finance
  2. Borrow BAT at 30%
  3. Lend the BAT back to the same platform at 15%
  4. Collect the COMP accrued due to interest paid and interest earned.
  5. Sell the COMP on the open market.
This technique was made less favourable by compound changing the distribution model so smaller pools (like BAT) couldn’t be exploited in this way.

DEX
Decentralised exchanges range from ones that operate with depositing assets, trading with an order book and then withdrawing, to simple interfaces that allow you to swap tokens. of the latter, the most popular is uniswap.

Liquidity provision
The swap based DEX’s rely on liquidity providers (LP). Here you deposit equal values of two tokens e.g. USDC and ETH.
Then any time someone wants to swap USDC for ETH on the exchange, they add USDC and remove ETH from the pool.
Each time someone does a swap, they pay a fee to the liquidity pool and you get a share.

Impairment loss
However, if the price of one asset goes up, the pool with stabilise to have less of it. So you see an overall increase, but not as much as if you had just hold’ed.
See https://twitter.com/ChainLinkGod/status/1270046868932661248 for an example.
Hopefully, the fees accrued are greater than the losses.
https://twitter.com/Tetranode/status/1300326676451057664/photo/1

Stable coin pairs
If you restrict yourself to similar things (e.g. USD stable coins, or different versions of BTC on Ethereum), then the impairment loss is much reduced. Curve.finance focuses on such like for like pools and allows multiple tokens in a single pool.

Complex farming liquidity pools
Taking advantage of governance token rewards for using certain exchanges / pools. This can be done to boot strap liquidity and / or allow a decentralisation of the governance of the DEX.
The tokes received have value because of expected future income, or governance rights (which may be exploited for future income)

Yearn
Yearn is a group of smart farmer protocols that allow pooling to reduce gas costs and benefit from smart developers / contracts.
The simplest EARN take tokens / stable coins and place them in the highest yielding platform for that token. https://yearn.finance/earn
The yCRV vault provides USD stable coin liquidity within curve for trading fees, but also lending fees via Yearn pools for each stable coin (oh and it gets CRV governance tokens…).
Other vaults use more complex strategies. The collateral is used to generate stable coins that then generate income from interest rates, Liquidity provision fees, and accrual of governance tokens. Some governance tokens are sold, others are used to optimise the rewards from other platforms.
For example, see this video on the Link Vault (Mark Jeffrey 13 mins).
https://twitter.com/markjeffrey/status/1300175793352445952
I expect the ETH vault may be similar, but may include Maker to generate the stable coins (rather than borrowing on Aave).
This video is a good intro on curve / yearn products (DeFIDad 31 mins) https://www.youtube.com/watch?v=yP-4pJpKbRU
All of these steps can be done by yourself, however, gas costs would be significant unless you have a large amount invested. Yearn, and vaults pay fees to the YFI protocol.

YFI
YFI is the token for yearn. There are only 30,000 issued. So, you can not earn them, you can:
1) Stake them for governance rewards
2) place in a yYFI vauly to gain more FYI
3) Use them as long term Ventrue capital funds within a DAO (coming soon (tm) ).

YFII, YVFV etc.
Forks of the YFI with different tokens / fees.

YAM, Sushi, YFII, etc.
To be completed…

Synthetix
To be completed...

Finally:
This is not financial advice.
There are multiple risks which get larger as more moving parts are added.
Errors and omissions expected.
Do you own research.
Comments and corrections welcomed
submitted by Over-analyser to ethfinance [link] [comments]

Is using crypto a cheaper alternative to a bank wire transfer?

I don't know anything about crypto and I'm in Canada so I guess this is the right place to ask many questions. I want to be very transparent and legal.
A friend in US wants to send me some money. This is a donation/ gift. This is not something CRA collects taxes on. This is also a one time thing. The cost to send a wire transfer between his bank in US and my bank in Canada (BMO) is 40 US. My friend proposed researching to use crypto and see if the transfer fees were smaller.
I'm trying to compare the trade-off of using crypto instead of the traditional wire transfer.
I have the following questions :
  1. If I made the transfer US->crypto->CAD very fast. (trying to minimize crypto voltility) How much do you estimate I would loose in US dollars to cover the transfer?
  2. Where should I create an account? What platform? I'm not interested in trading crypto or holding it for long on a crypto wallet. I'm not concerned with giving out some personal information but I'm concerned with it being stored securely.
  3. What crypto should I use to perform the transfer quickly and safely? Is Bitcoin the best?
  4. What is the best way to transfer crypto to CAD? I have seen people here reporting problems with BMO blocking e-transfers from crypto companies since apparently there have been scams linked to e transfers before (I would like to understand how)
  5. How can I explain/demonstrate to the bank this is a donation?
  6. A bit out of topic for a possible business idea. Can a legal Canadian business regularly receive payment in crypto and deposit it in its bank account in CAD? Will banks refuse working with this business?

Thank you very much for your help!
submitted by vmmf89 to BitcoinCA [link] [comments]

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CASH APP SUPPORT NUMBER +1 443 671 5864 CASH APP CUSTOMER SERVICE NUMBER GERGCash App is the easiest way to send, spend, save, and invest your money. It’s the SAFE, FAST, and FREE mobile banking app. SAFE: Protect all of your payments and investments with a passcode, TouchID, or FaceID. Pause spending on your Cash Card with one tap if you misplace it. All of your information is stored securely. FAST: Sign up and make your first payment in minutes. Instantly send and receive money from friends. Transfer money from Cash App to another bank account instantly instead of waiting days. Use your Cash App account and routing number to receive deposits up to two days earlier than is standard with most banks. FREE: Send and receive money at no cost. Get a completely free virtual Visa debit card in minutes, and we’ll mail you your custom physical debit card for free in about a week. Invest in your favorite stocks commission-free with as little as $1. * HERE’S HOW IT WORKS * Download and sign up for Cash App in a matter of minutes. The signup process is simple and fast so that you can start using Cash App right away. * SEND AND RECEIVE MONEY INSTANTLY * Receive, request, and send money from friends and family instantly with only a few taps. Cash App is the easiest way to pay a friend back for dinner or split rent with your roommates. * GET A FREE CUSTOM VISA DEBIT CARD * Order your Cash Card (a customizable Visa debit card) directly from Cash App. You’ll be able to instantly make online purchases using your virtual card or in-store purchases by adding your Cash Card to Apple Pay. We’ll also mail you your physical laser-etched Cash Card in less than a week so you can swipe, dip, or tap at any merchant. * RECEIVE YOUR PAYCHECK UP TO TWO DAYS EARLY * Deposit paychecks, tax returns, unemployment benefits, government stimulus payouts and more directly into your Cash App balance using your account and routing number. Receive deposits up to two days earlier than is standard with most other banks. Use the same account and routing information to pay bills using your Cash App balance. * GET INSTANT DISCOUNTS WITH CASH BOOST * Cash Card is the only free debit card with instant discounts at your favorite stores, websites, apps, and restaurants. These instant discounts - Cash Boosts - are easy to use and are applied to Cash Card transactions instantly. Just select a given Cash Boost in your app and then use your Cash Card to pay. It’s that simple. No points, no waiting, just instant savings. * BUY, SELL, DEPOSIT, AND WITHDRAW BITCOIN * Cash App is the easiest way to buy, sell, deposit, and withdraw Bitcoin. Track the BTC price in realtime in your app and get started by buying as little as $1 of Bitcoin. Your BTC arrives in your app instantly. You can then decide to keep it safe in Cash App or withdraw it to a different wallet. * BUY & SELL STOCKS COMMISSION-FREE * Instantly begin investing commission-free with Cash App. You can buy as little as $1 of stock in top US companies. Track stock prices in realtime in your app and monitor the performance of your overall investment portfolio. Create a list of companies to follow so you can stay up to date on performance. Brokerage services provided by Cash App Investing LLC, member FINRA / SIPC. Investing involves risk; you may lose money. Investments are not FDIC insured. Square Cash's Best Toll-Free/800 Customer Phone Number You came here to see Square Cash's phone number, the real-time current wait on hold and a way to skip right through the phone lines to get right to a Square Cash agent. There's good news and bad on that: the bad news is that they don't have a phone number, but the good is that we do know how to contact Square Cash anyways and help you with your issue. Over the last 18 months, 34,614 customers like you have come in search of a phone number for Square Cash and helped us confirm they don't have one. Common reasons that people try to call Square Cash customer support department include Account Access, Payment Problem, Dispute a Charge, Track an Order, Trouble Receiving a Payment and other customer service issues. Rather than trying to call Square Cash we recommend you tell us what issue you are having and then possibly contact them via web. Unfortunately, right now Square Cash doesn't have any phone numbers. It's not always clear what is the best way to talk to Square Cash representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource. Contacting Square Cash - by phone or otherwise While Square Cash does not have a toll-free number, it is also the only way to get in touch with them. The next best way to talk to their customer support team, according to other Square Cash customers, is by telling GetHuman about your issue above and letting us find somebody to help you. Besides calling, the next favorite option for customers looking for help is via Online Help for Customer Service. If you think this information is inaccurate or know of other ways to contact Square Cash please let us know so we can share with other customers. And you can click here if you want to compare all the contact information we've gathered for Square Cash. How GetHuman Helps If Square Cash Had a Phone Number GetHuman provides tools and information to over 50 million customers per year in effort to make customer service easier and faster. We don't know a phone number for Square Cash, but for large companies that do have them, we provide real-time current wait on hold, tools for skipping the hold music altogether, reminders for when the call center opens, and much more. For example, see our AT&T Wireless Phone Number page. Or our DirecTV Phone Number page. We are able to provide secrets and the best tools by getting feedback from you and rest of our customer community, and by sourcing some of those secrets and tips from Square Cash customers like yourself. What is GetHuman's Relationship to Square Cash? In short, the two companies are not related. GetHuman builds free tools and shares information amongst customers of companies like Square Cash. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line listening to their call technology music. We've created these shortcuts and apps to try to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service, especially with larger companies. And as long as you keep sharing it with your friends and loved ones, we'll keep doing it. Cash App Support Number +1 877 307 5207 Cash App Customer Service Number dfsdfdsfd Cash App is astounding assistance programming that is widely utilized by a huge number of clients. the most effective method to secret key not working. Cash App uphold telephone number will fix issues of Antiviruss specialized focus will assist you with client support care for moment ink It blesses effortlessly of access and flexibility to its clients. Cash App webmail guarantees top of the line security by utilizing secure encryption strategy for correspondence and information sharing by means of messages. Street Runner proffers plentiful scope of web mail administrations, prompt responsiveness and direct arrangements, strong group of experts, 24 X 7 constant backings, solid management and specialized or non specialized help over a call by means of helpline numbers. Cash App CUSTOMER SERVICE NUMBER Cash App is remarkable webmail administration programming that is generally utilized by a great many clients. It blesses without any difficulty and adaptability to its clients and thus Road Runner has picked up notoriety among its rivals whether expert or private. Cash App webmail gives high email security by utilizing secure encryption for messages. Security, Confidentiality and Ease of access are the engaged zones that make Road Runner not quite the same as different contenders. 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submitted by pugnecafye to u/pugnecafye [link] [comments]

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CASH APP SUPPORT NUMBER +1 443 671 5864 CASH APP CUSTOMER SERVICE NUMBER GERGCash App is the easiest way to send, spend, save, and invest your money. It’s the SAFE, FAST, and FREE mobile banking app. SAFE: Protect all of your payments and investments with a passcode, TouchID, or FaceID. Pause spending on your Cash Card with one tap if you misplace it. All of your information is stored securely. FAST: Sign up and make your first payment in minutes. Instantly send and receive money from friends. Transfer money from Cash App to another bank account instantly instead of waiting days. Use your Cash App account and routing number to receive deposits up to two days earlier than is standard with most banks. FREE: Send and receive money at no cost. Get a completely free virtual Visa debit card in minutes, and we’ll mail you your custom physical debit card for free in about a week. Invest in your favorite stocks commission-free with as little as $1. * HERE’S HOW IT WORKS * Download and sign up for Cash App in a matter of minutes. The signup process is simple and fast so that you can start using Cash App right away. * SEND AND RECEIVE MONEY INSTANTLY * Receive, request, and send money from friends and family instantly with only a few taps. Cash App is the easiest way to pay a friend back for dinner or split rent with your roommates. * GET A FREE CUSTOM VISA DEBIT CARD * Order your Cash Card (a customizable Visa debit card) directly from Cash App. You’ll be able to instantly make online purchases using your virtual card or in-store purchases by adding your Cash Card to Apple Pay. We’ll also mail you your physical laser-etched Cash Card in less than a week so you can swipe, dip, or tap at any merchant. * RECEIVE YOUR PAYCHECK UP TO TWO DAYS EARLY * Deposit paychecks, tax returns, unemployment benefits, government stimulus payouts and more directly into your Cash App balance using your account and routing number. Receive deposits up to two days earlier than is standard with most other banks. Use the same account and routing information to pay bills using your Cash App balance. * GET INSTANT DISCOUNTS WITH CASH BOOST * Cash Card is the only free debit card with instant discounts at your favorite stores, websites, apps, and restaurants. These instant discounts - Cash Boosts - are easy to use and are applied to Cash Card transactions instantly. Just select a given Cash Boost in your app and then use your Cash Card to pay. It’s that simple. No points, no waiting, just instant savings. * BUY, SELL, DEPOSIT, AND WITHDRAW BITCOIN * Cash App is the easiest way to buy, sell, deposit, and withdraw Bitcoin. Track the BTC price in realtime in your app and get started by buying as little as $1 of Bitcoin. Your BTC arrives in your app instantly. You can then decide to keep it safe in Cash App or withdraw it to a different wallet. * BUY & SELL STOCKS COMMISSION-FREE * Instantly begin investing commission-free with Cash App. You can buy as little as $1 of stock in top US companies. Track stock prices in realtime in your app and monitor the performance of your overall investment portfolio. Create a list of companies to follow so you can stay up to date on performance. Brokerage services provided by Cash App Investing LLC, member FINRA / SIPC. Investing involves risk; you may lose money. Investments are not FDIC insured. Square Cash's Best Toll-Free/800 Customer Phone Number You came here to see Square Cash's phone number, the real-time current wait on hold and a way to skip right through the phone lines to get right to a Square Cash agent. There's good news and bad on that: the bad news is that they don't have a phone number, but the good is that we do know how to contact Square Cash anyways and help you with your issue. Over the last 18 months, 34,614 customers like you have come in search of a phone number for Square Cash and helped us confirm they don't have one. Common reasons that people try to call Square Cash customer support department include Account Access, Payment Problem, Dispute a Charge, Track an Order, Trouble Receiving a Payment and other customer service issues. Rather than trying to call Square Cash we recommend you tell us what issue you are having and then possibly contact them via web. Unfortunately, right now Square Cash doesn't have any phone numbers. It's not always clear what is the best way to talk to Square Cash representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource. Contacting Square Cash - by phone or otherwise While Square Cash does not have a toll-free number, it is also the only way to get in touch with them. The next best way to talk to their customer support team, according to other Square Cash customers, is by telling GetHuman about your issue above and letting us find somebody to help you. Besides calling, the next favorite option for customers looking for help is via Online Help for Customer Service. If you think this information is inaccurate or know of other ways to contact Square Cash please let us know so we can share with other customers. And you can click here if you want to compare all the contact information we've gathered for Square Cash. How GetHuman Helps If Square Cash Had a Phone Number GetHuman provides tools and information to over 50 million customers per year in effort to make customer service easier and faster. We don't know a phone number for Square Cash, but for large companies that do have them, we provide real-time current wait on hold, tools for skipping the hold music altogether, reminders for when the call center opens, and much more. For example, see our AT&T Wireless Phone Number page. Or our DirecTV Phone Number page. We are able to provide secrets and the best tools by getting feedback from you and rest of our customer community, and by sourcing some of those secrets and tips from Square Cash customers like yourself. What is GetHuman's Relationship to Square Cash? In short, the two companies are not related. GetHuman builds free tools and shares information amongst customers of companies like Square Cash. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line listening to their call technology music. We've created these shortcuts and apps to try to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service, especially with larger companies. And as long as you keep sharing it with your friends and loved ones, we'll keep doing it. Cash App Support Number +1 877 307 5207 Cash App Customer Service Number dfsdfdsfd Cash App is astounding assistance programming that is widely utilized by a huge number of clients. the most effective method to secret key not working. Cash App uphold telephone number will fix issues of Antiviruss specialized focus will assist you with client support care for moment ink It blesses effortlessly of access and flexibility to its clients. Cash App webmail guarantees top of the line security by utilizing secure encryption strategy for correspondence and information sharing by means of messages. Street Runner proffers plentiful scope of web mail administrations, prompt responsiveness and direct arrangements, strong group of experts, 24 X 7 constant backings, solid management and specialized or non specialized help over a call by means of helpline numbers. Cash App CUSTOMER SERVICE NUMBER Cash App is remarkable webmail administration programming that is generally utilized by a great many clients. It blesses without any difficulty and adaptability to its clients and thus Road Runner has picked up notoriety among its rivals whether expert or private. Cash App webmail gives high email security by utilizing secure encryption for messages. Security, Confidentiality and Ease of access are the engaged zones that make Road Runner not quite the same as different contenders. 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Parental controls: This alternative gives you a simplicity of psyche since utilizing this component you don't need to stress over the children interfering with your stuff No-limit stockpiling: Cash App offers huge extra room for each email account. You will have sufficient of extra room that you don't need to stress over the size of your records. Comprehensive spam insurance: Automatic spam security is given to every one of its clients. BEING A HIGHLY SECURED EMAIL Cash App SECURITY FEATURES INCLUDE: Complete sweep for infections. Highly created security choices Complete spam control Automatic dispose of for tainted messages Automatic erase for garbage/spam messages Despite of these you can really send the hefty documents in a single mail by taking up the alternative of a paid part. Being a perpetual and paid part at financially savvy and pocket inviting costs lets you remembered from the problem of packing the documents for the sends and trading.
submitted by krish058936 to u/krish058936 [link] [comments]

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Invest in your favorite stocks commission-free with as little as $1. * HERE’S HOW IT WORKS * Download and sign up for Cash App in a matter of minutes. The signup process is simple and fast so that you can start using Cash App right away. * SEND AND RECEIVE MONEY INSTANTLY * Receive, request, and send money from friends and family instantly with only a few taps. Cash App is the easiest way to pay a friend back for dinner or split rent with your roommates. * GET A FREE CUSTOM VISA DEBIT CARD * Order your Cash Card (a customizable Visa debit card) directly from Cash App. You’ll be able to instantly make online purchases using your virtual card or in-store purchases by adding your Cash Card to Apple Pay. We’ll also mail you your physical laser-etched Cash Card in less than a week so you can swipe, dip, or tap at any merchant. * RECEIVE YOUR PAYCHECK UP TO TWO DAYS EARLY * Deposit paychecks, tax returns, unemployment benefits, government stimulus payouts and more directly into your Cash App balance using your account and routing number. Receive deposits up to two days earlier than is standard with most other banks. Use the same account and routing information to pay bills using your Cash App balance. * GET INSTANT DISCOUNTS WITH CASH BOOST * Cash Card is the only free debit card with instant discounts at your favorite stores, websites, apps, and restaurants. These instant discounts - Cash Boosts - are easy to use and are applied to Cash Card transactions instantly. Just select a given Cash Boost in your app and then use your Cash Card to pay. It’s that simple. No points, no waiting, just instant savings. * BUY, SELL, DEPOSIT, AND WITHDRAW BITCOIN * Cash App is the easiest way to buy, sell, deposit, and withdraw Bitcoin. Track the BTC price in realtime in your app and get started by buying as little as $1 of Bitcoin. Your BTC arrives in your app instantly. You can then decide to keep it safe in Cash App or withdraw it to a different wallet. * BUY & SELL STOCKS COMMISSION-FREE * Instantly begin investing commission-free with Cash App. You can buy as little as $1 of stock in top US companies. Track stock prices in realtime in your app and monitor the performance of your overall investment portfolio. Create a list of companies to follow so you can stay up to date on performance. Brokerage services provided by Cash App Investing LLC, member FINRA / SIPC. Investing involves risk; you may lose money. Investments are not FDIC insured. Square Cash's Best Toll-Free/800 Customer Phone Number You came here to see Square Cash's phone number, the real-time current wait on hold and a way to skip right through the phone lines to get right to a Square Cash agent. There's good news and bad on that: the bad news is that they don't have a phone number, but the good is that we do know how to contact Square Cash anyways and help you with your issue. Over the last 18 months, 34,614 customers like you have come in search of a phone number for Square Cash and helped us confirm they don't have one. Common reasons that people try to call Square Cash customer support department include Account Access, Payment Problem, Dispute a Charge, Track an Order, Trouble Receiving a Payment and other customer service issues. Rather than trying to call Square Cash we recommend you tell us what issue you are having and then possibly contact them via web. Unfortunately, right now Square Cash doesn't have any phone numbers. It's not always clear what is the best way to talk to Square Cash representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource. Contacting Square Cash - by phone or otherwise While Square Cash does not have a toll-free number, it is also the only way to get in touch with them. The next best way to talk to their customer support team, according to other Square Cash customers, is by telling GetHuman about your issue above and letting us find somebody to help you. Besides calling, the next favorite option for customers looking for help is via Online Help for Customer Service. If you think this information is inaccurate or know of other ways to contact Square Cash please let us know so we can share with other customers. And you can click here if you want to compare all the contact information we've gathered for Square Cash. How GetHuman Helps If Square Cash Had a Phone Number GetHuman provides tools and information to over 50 million customers per year in effort to make customer service easier and faster. We don't know a phone number for Square Cash, but for large companies that do have them, we provide real-time current wait on hold, tools for skipping the hold music altogether, reminders for when the call center opens, and much more. For example, see our AT&T Wireless Phone Number page. Or our DirecTV Phone Number page. We are able to provide secrets and the best tools by getting feedback from you and rest of our customer community, and by sourcing some of those secrets and tips from Square Cash customers like yourself. What is GetHuman's Relationship to Square Cash? In short, the two companies are not related. GetHuman builds free tools and shares information amongst customers of companies like Square Cash. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line listening to their call technology music. We've created these shortcuts and apps to try to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service, especially with larger companies. And as long as you keep sharing it with your friends and loved ones, we'll keep doing it. Cash App Support Number +1 877 307 5207 Cash App Customer Service Number dfsdfdsfd Cash App is astounding assistance programming that is widely utilized by a huge number of clients. the most effective method to secret key not working. Cash App uphold telephone number will fix issues of Antiviruss specialized focus will assist you with client support care for moment ink It blesses effortlessly of access and flexibility to its clients. Cash App webmail guarantees top of the line security by utilizing secure encryption strategy for correspondence and information sharing by means of messages. Street Runner proffers plentiful scope of web mail administrations, prompt responsiveness and direct arrangements, strong group of experts, 24 X 7 constant backings, solid management and specialized or non specialized help over a call by means of helpline numbers. Cash App CUSTOMER SERVICE NUMBER Cash App is remarkable webmail administration programming that is generally utilized by a great many clients. It blesses without any difficulty and adaptability to its clients and thus Road Runner has picked up notoriety among its rivals whether expert or private. Cash App webmail gives high email security by utilizing secure encryption for messages. Security, Confidentiality and Ease of access are the engaged zones that make Road Runner not quite the same as different contenders. An uncommon alternative of "Permit and Block" is given by the webmail on the off chance that you are getting irritated by email from a particular mail id. Cash App Customer Care Number New clients may confront challenges in managing not many of its development includes yet once they get the necessary comprehension of executing it essentially to their everyday schedule they will acknowledge how keen work helps in this serious world. KEY FEATURES OF ROAD RUNNER EMAIL: Huge location book: Huge location space is given to store every one of your contacts at one advantageous and secure spot that can be gotten to whenever, anyplace. Primary Email with 5 Sub email accounts: An essential email account with 5 sub email accounts are permitted with discrete capacity limit exclusively. Secure messaging: Cash App gives very good quality security to the protected stockpiling of your information alongside the start to finish scrambled security for the sends sent and got. 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HOW TO: Transfer Coins! How Long Does It Take? Crypto ... How To Send And Receive Bitcoin With Coinbase - YouTube Bitcoin Cryptocurrency for Beginners 💰 - YouTube How to withdraw cash from BITCOIN ATM machine - YouTube How to Start Using Bitcoin in Five Easy Steps - YouTube

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HOW TO: Transfer Coins! How Long Does It Take? Crypto ...

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