Singapore social dating app

Please help me save my relationship!! strangers of reddit!!!

2020.11.20 14:15 adyfbi Please help me save my relationship!! strangers of reddit!!!

So it all started 4 months back when i (27 M) went on a two-day foreign trip to phuket with my office colleagues. I met this girl (25 F) on tinder (who i paid for sex), she came to my hotel and we had a good time. On tinder, she told me that she works sex and stuff like, people from my country are not good at giving money so she will need money in advance etc. But when she came to my room, she asked me how many girls i fucked before, i said she wouldnt believe me if i tell her. I said "you are the second girl." I asked the same thing to her, and she said the same thing to me ( that i wont belive her if she tells). She said i am her first paid sex client. (I know you must have noticed the contradiction).
The following day we talked on chat. Now here is where i may have started messing up. So long story short, i wanted to be with her again and take her out for dinner. But she did not want to go out with me and kept making excuses that she is dieting. And later that night she invited me to her place, but asked me how much will i pay her. I got really mad at her, thinking that there was something between us and i told her this. Then i stopped talking to her. But at late night, she texted me, saying that since its my last day in phuket, she does not want to spoil my holiday and invited me to her home. Though its a different story, that when i went to her place, she took the only money that i had. Its on the second day we expressed our liking for each other and how we should stay in touch with each other and maybe meet again sometime later. And it was her, who initially expressed that she really likes me.
I came back to my country and we both talked only over messenger. Things started to fall apart only 2 weeks later. Reason being, that on the very first day in phuket, i had told her that i would be getting married within two years because of family pressures and the girl has to be from my religon (not my preference but again family pressures). She used this reason as an excuse to say that i do not love her and that i am just playing around with her (though she knew the marriage thing from day one). This was not true, because i truly loved her though i may have just put forward a very wrong impression by saying the marriage thing.
So to make things right, i offered her a trip to singapore, just to show her that i still care about her and that i still want to be with her. She was reluctant and refused initially. And i had lost complete hope that i will be seeing her again (because she did not reply for 3 days). But few days later she messaged me saying she will come with me to singapore, if i give her money for shopping (on top of all other expenses). I agreed. And from that day onwards, we started talking normally again. I even told her that i will do whatever it takes to be with her for life, even if that means resisting all the family pressures ( i mean my parents may agree after a hell lot of convincing). And she also expressed her desire to marry me after she finishes her college education.
Now here is the problem. I dont think she is committed enough to me. Part of the reason is that i still think she engages in paid sex. She uses tinder and i know this because i can access her profile and her distance on the app keeps changing. The only bio she has mentioned is her instagram account. So i keep telling myself that she is using tinder to gain followers on instagram (lot of people do this these days, i got to know by reading about it online) Because most of her followers are foreign tourists (most of them have recent pics of thailand). She even used tinder sitting right beside me in singapore ( she doesnt know that i know). And she gained maybe 20 odd followers from singapore. And she was with me for the entire time of our trip. So that reinforces my belief that she is using tinder to gain followers on instagram (i mean why else will she use tinder sitting beside me).
But there are other reasons as well that i dont feel affection from her. She just does not let me in on her life. This one time she posted something on her facebook wall in thai, and i just asked her what it means. She just went mad and told me to not behave like her mom, and stopped me to ask what she posts on facebook. And there are more instances when she has told me that im not her husband yet, so i should give her some privacy.
For the singapore trip, i bought her an international sim card so she doesnt have to take the pain of searching for one. And she just went mad at me again and told me that she has the right to her choice and she will not use the sim i bought and again told me to not act like her husband (though i had no such intention and just wanted her to have a hassle-free travel).
I gave her so many gifts on the trip, took her to so many nice restaurants, expensive salon, nice tourist spots etc. But i noticed that not even once she thanked me for it. She bought gifts for so many of her thai friends from singapore(with my money obviously). She just once said, that she will buy a shirt for me, but then completely forgot about it later.
I have to mention here that she is kind of addicted to social media to the extent that when we used to eat out, she spent 15-20 minutes just posting her trip pictures and replying to comments she received on her trip pics while sitting at the table, while i used to wait for her to finish. I mean the image she put forth was, that the trip was meant to augment her social media posts about the trip, rather than spending time with me and getting to know each other.
There are several occassions when i have told her that i miss her and i am thinking about her. But she never responds back by saying that she too misses me, instead she just sends a thumbs up. I think maybe its not a part of their culture to reciprocate back to everything or show so much affection but thats just another excuse for myself. I delude myself to the extent, that just because she is getting education, i keep telling myself that she cannot be enaging in paid sex. I have gone crazy to the extent that i even thought of hiring a private detective in thailand.
I havent had a relationship for past 9 years. And this one relationship has screwed me really. I know i am being a pussy, but im really into her even after so much. Infact i just get obsessed with her at times. I will go on a crazy streak of stalking her social media/tinder location (to see if she is online or not) every hour our so, when she does not reply to my messages.
None of my friends know about my situation because i just dont have it in me to tell them that im dating someone who i paid for sex. And thats what messes up my situtation even more because i cannot talk to anyone about it.
I have stressed out so much in the past 3 months about thinking if she is still engaging in paid sex, or is she is really into me, that i have lost 8 pounds of weight (just because of the stress and over-thinking), stopped learning piano (which i was learning before the relationship), messed up at my work too and lost the enthusiasm to do anything good for myself in life.
I know i am being delusional and most of u will say that i need therapy. I just cannot move on from this messed up situation. Although i will admit that, deep down i have accepted so many things which earlier i could not, but i just dont have the courage to do the right thing for me. And i dont know why.
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2020.11.20 11:44 emailout The Ultimate Guide To Email Marketing Laws

The Ultimate Guide To Email Marketing Laws

In the world of email marketing, the existence of laws and regulations guarantees you use your email for good, not evil. You’ve heard of email marketing laws like the CAN-SPAM Act, GDPR, CASL and the UK’s Data Protection Act 1998, right?

All these email marketing laws outline a number of conditions email marketers are required to follow to avoid not only damage to their sender reputation but also, being slapped with hefty fines. As intimidating as this sounds, if you are using professional email marketing software to send your email campaigns, you are most likely already in compliance with most email marketing legislation.

“If you think compliance with email marketing laws is expensive, try non-compliance.” – EmailOut
Spam continues to be a massive issue on a global scale. All around the world, governments have worked hard to put laws and regulations in place to protect people from malicious unsolicited emails. Many email marketers are aware of local email marketing laws, however, when it comes to international regulations, their knowledge is somewhat lacking. Since email marketers are required to comply with so many email marketing laws, it’s inevitable for things to get a bit overwhelming and confusing.

In this article, we’ll cover the following email marketing laws:

  1. The U.S.
    1. Controlling the Assault of Non-Solicited Pornography And Marketing (CAN-SPAM) Act of 2003
    2. the California Consumer Privacy Act (CCPA)
  2. The EU’s General Data Protection Regulation (GDPR)
  3. Canada’s Anti-Spam Legislation (CASL)
  4. Australia’s Spam Act of 2003
  5. The UK
    1. Privacy and Electronic Communications Regulations (PECR) (EC Directive) 2003
    2. Data Protection Act (DPA) 2018
  6. China
    1. Consumer Rights Protection Law 2013
    2. Measures of the Administration of Internet Email Services 2006
  7. Singapore’s Personal Data Protection Act 2012 (PDPA)
  8. Brazil’s Lei Geral de Proteção de Dados Pessoais (LGPD)
Ready to dive in?
You’ve organically built a high-quality email list. Your email template is unique and overall, amazing. The email campaign’s copy is well written, engaging and relevant. It appears you have everything you need to unleash your email into the world. But… are you sure you’re compliant with all email marketing laws?
If you are sending emails across borders then you most certainly have to be very familiar and 100% compliant with international email marketing legislation. After all, regulations differ from country to country and what makes you compliant in one country could be completely off-limits in another and you might be subject to hefty fines with lots of zeros.
Statistics show that 62% of people keep receiving emails from brands even after they’ve unsubscribed; moreover, 66% of people receiving emails from companies they’ve never even heard of. This goes against all email marketing laws, data privacy regulations and consumer demands.
People want more regulations. 80% feel there should be more laws protecting their personal data. Furthermore, 35% of customers often exercise their privacy rights with email providers.

With email marketing laws like –

  • the GDPR (implemented May 2018)
  • the CCPA (effective as of January 1, 2020)
  • the PDPA (in effect since May 2020)
  • the LGPD (implemented August 2020)
  • the DPA 2018 (into effect since May 25, 2018)
  • the CASL (effective since July 1, 2014)
  • the CAN-SPAM Act (implemented January 1, 2004), and
  • the PECR (effective since December 11, 2003)
If only email senders took note and implemented the above, I’d say peoples’ desire for more rules and regulations should be fully satisfied.
To determine whether a particular country’s email marketing laws apply to you depends on three main things –
1) whether you are based in that country 2) if your ESP is based in that country 3) whether your recipients are based in that country
Now, to make sure none of you will be slapped with fines that have lots of zeros, it’s imperative to be aware of all email marketing laws and, of course, comply with them.

Email Marketing Laws In The U.S.

The CAN-SPAM Act

When emailing subscribers in the U.S., the primary legislation you must fully understand and be 100% compliant with is the Controlling the Assault of Non-Solicited Pornography and Marketing (CAN-SPAM) Act of 2003. The CAN-SPAM Act is one of the longest-running email marketing laws in the world. Compared to legislation in Europe or Canada, it is far more relaxed.
To comply with the CAN-SPAM Act, you need to follow these guidelines –
  • avoid the use of deceptive email addresses, names, domain names or subject lines that will mislead the recipient
  • identify the message as an ad if a recipient has not given you explicit consent
  • specify any adult content or graphic imagery in your copy clearly in the subject line
  • include a physical address
  • provide an obvious and straightforward way for users to unsubscribe and fulfil requests within 10 days
  • monitor what others are doing on your behalf (if your email marketing is done by another company, you must ensure it is compliant)
Non-compliance with the CAN-SPAM Act can be costly. Each email in violation of the legislation is subject to penalties of up to $43,280.
For more information on the CAN-SPAM Act of 2003, click here.

The CCPA

The California Consumer Privacy Act of 2018 (CCPA) is legislation allowing any California-based consumer to demand to see all their personal information obtained and stored by businesses as well as a full list of all third-parties their personal data has been shared with. Additionally, this law also allows consumers to sue businesses if there is a violation of the privacy guidelines without an actual data breach occurring. Essentially, the law’s intent is to enhance privacy rights and consumer protection for Cali-based consumers.

These are the guidelines you need to follow to comply with the CCPA –

  • updating your Privacy Policy
  • conducting a personal information audit to determine –
    • the type of personal information collected
    • the source(s) of personal information
    • if you sell personal information
    • if you share personal information
  • setting up a process to facilitate “the right to know” and “the right to delete”
  • setting up a “Do Not Sell My Personal Information” page if you are selling personal data
The Right To Know: Any consumer has the right to know what, how and for what purpose their personal information has been collected. If your business receives a verifiable request, you are obliged to make the information available within 45 days without charging the consumer for it and you are not required to provide personal information to a consumer more than twice in twelve months.
The Right To Delete: Any consumer has the right to invoke their right to delete. If you receive a verifiable request to erase, you are obliged to delete the consumer’s personal information from all your records as well as request all third-parties you shared it with to do the same. However, there are certain exceptions to “the right to delete”. You will not be obligated to abide with deletion requests if the personal information collected is necessary for one of the following reasons –
  • to perform a contract
  • to ensure security
  • for debugging purposes
  • exercising free speech
  • to comply with the California Electronic Communications Privacy Act (CalECPA)
  • to conduct specific research
  • for solely internal and plausible uses
  • to comply with a legal obligation
The CCPA applies not only to California-based businesses but to any business operating from anywhere in the world that is processing the personal information of consumers based in California will have to adhere to the CCPA’s requirements.
Email Marketing Laws in Europe: The GDPR
If you’re emailing European subscribers, the General Data Protection Regulation (GDPR) is what you will need to ensure that you are compliant with. This law’s purpose is to protect the data privacy of all European citizens. Even though the GDPR is an EU regulation, it applies to and will be reinforced upon all global businesses that collect and email EU-based subscribers.
Since its implementation, and even now, the GDPR confuses email marketers sometimes. Whilst it does address permissions, it’s primarily focused on the processing of personal data. For example, GDPR explicitly permits email marketing when the personal data is processed correctly but PECR is the email marketing law that outlines permissions.

To ensure compliance with the GDPR, you will need to –

  • obtain the consumers’ valid explicit consent to receive marketing emails (soft opt-ins and pre-checked boxes are not allowed)
  • keep clear records of each consumer verified consent
  • allow consumers to revoke their consent just as easily as they’ve given it
  • only use the collected emails for the purposes you said you would
  • provide access to their data if the users request it
N.B. Buying or renting email lists might seem like the most brilliant approach for business growth, however, it is not. It will be harmful to your brand and email deliverability, lead to poor results and, most of all, this practice is in direct violation of the spirit of email marketing laws.
Despite the fact the UK withdrew from the EU on January 21, 2020, it will remain subject to EU laws including the GDPR until the end of the transition period – December 31, 2020.
Violation of the GDPR can result in fines of up to 4% of the annual global turnover of the preceding fiscal year or €20 million (about £18 million) – whichever is greater.
You can find more information about GDPR here.
Email Marketing Laws in Canada: CASL
Canada’s Anti-Spam Legislation (CASL) does not apply exclusively to Canadian businesses. If you are sending marketing emails to Canadian citizens, you will be subject to CASL. This regulation’s purpose is to protect Canadians from spam, personal data leaks and other types of digital tech misuse.

To make sure you comply with CASL, you need to –

  • always obtain explicit consent from each person
  • ensure the consent form is plainspoken and has your business’s identification and contact information
  • make clear people can revoke consent anytime they want
  • always keep records of consent
  • include the name of the business, contact info and instruction to unsubscribe in all marketing emails
  • process unsubscribe requests within 10 days
CASL defines two types of consent – implied and express.
Consent is considered to be implied when –
  • a person has purchased a product/service from your business in the last 24 months
  • you’re a registered charity or political organisation to which the person has made a donation, volunteered or attended an organised meeting
According to CASL, implied permissions expire – for purchase, it’s valid for 2 years; for an enquiry about a product or service, it’s valid for 6 months. Overall, if a user has not renewed their implied permission, it’ll expire.
Consent is considered to be express and valid when the following information is included –
  • a clearly stated concise description of the purpose you want to obtain the consent
  • a brief of the emails you’ll be sending
  • the business’s name and contact info
  • a clear message about revoking consent at any time
Essentially, if people have opted-in into your marketing communications they have given you their express consent. The most common examples of express consent are filling in a signup form, clicking on links to confirm the subscription, checking a box during a purchase process or over the phone. Also, express permission does not expire.
If you violate any of the regulations in CASL, the penalty can reach up to CAD 1 million for individuals (USD 770,630/£586,930) and up to CAD 10 million for businesses (USD 7.7 million /£5.8 million).
To find out more about CASL, click here.
Email Marketing Laws in Australia: The Spam Act 2003
The purpose of the Australian Spam Act 2003 is to protect Aussie subscribers and prevent Aussie senders from sending spam and disrupting user’s personal data. Essentially, the Act forbids sending unsolicited commercial emails (a.k.a spam) with an Australian link. According to the Act, “a message has an Australian link if it originates or was commissioned in Australia, or originates overseas but was sent to an address accessed in Australia.”
To ensure you are compliant with the Spam Act 2003, you must –
  • ensure your subscribers accept your Privacy Policy and any other rules involved when obtaining explicit consent
  • always include your company name and contact info in every email
  • provide a clear opt-out and process unsubscribe requests within 5 days
  • never use email harvesting or buy/rent email lists
Emails from government bodies, registered charities, registered political parties and educational institutions can be sent without consent to Australian recipients.
The penalties for noncompliance with the Spam Act 2003 can reach up to AUD 2.1 million ($1.5 million/£1.1 million).
For more details about Australia’s Spam Act 2003, click here.
Email Marketing Laws in the UK

Privacy and Electronic Communications Regulations (PECR) (EC Directive) 2003

The Privacy and Electronic Communications Regulations 2003 also referred to as PECR or the EC Directive is legislation under which email recipients located in the United Kingdom must have consented either by express or implied permission to receive marketing communications from you. This regulation is pretty similar to the Australian Spam Act and CASL, however, the main difference is regarding the number of days you have to process unsubscribe requests and clean up your email lists.

To comply with PECR, you must –

  • obtain explicit consent to receive marketing emails from each of your subscribers
  • never hide your identity
  • always introduce yourself and provide detailed contact information in every email
  • give users a clear and simple way to unsubscribe or request to be deleted and ensure the request is processed within 28 days
For individuals, UK anti-spam law has something known as a soft opt-in. Essentially, it means that in certain cases you can email subscribers as if they’ve consented even though they have not done it.

To comply with the soft opt-in rule, you must follow a certain set of guidelines –

  • prove you’ve obtained the person’s email address “in the course of the sale of negotiations for the sale of a product or service”. Simply put, if the recipient is already a customer then they’ve softly opted-in
  • only directly market to existing customers in respect of similar products/services
  • always give the recipients a method to refuse the use of their contact details at the same time they’ve initially provided them
  • as with all international email marketing laws, users must be given a visible clear way to unsubscribe from your email list in every email
Remember, legal opt-in and opt-out regulations are only applicable to individuals. If you want to contact a corporate body, you can do so without them having to explicitly opt-in.
If you violate the EC Directive, you can be subject to penalties as high as £500,000.
More detailed information about the EC Directive can be found here.

Data Protection Act (DPA) 2018

The Data Protection Act 2018 (DPA) is legislation aimed at protecting the privacy of personal data. The DPA was first composed in 1984, updated in 1998 and enforceable until May 25, 2018, when it was superseded by the Data Protection Act 2018. The DPA applies to any business or individual who holds or uses personal data of others within the EU and the UK.

The purpose of the DPA 2018 is to –

  • facilitate the secure transfer of data within the EU
  • prevent businesses and individuals from using and holding inaccurate consumers’ data
  • assure people how their personal data is and will be used
  • provide people whose personal data is stored (a.k.a. data subjects) with the legal right to check the information business’s hold about them
  • offer data subjects more control over how data controllers handle their data
  • ensure there is accountability regarding how businesses securely handle data
  • make sure organisations keep individuals’ personal data safe and secure
  • command data users or data holders to register with the Information Commissioner

The eight key principles of the DPA 2018 (and GDPR) are –

1) fair and lawful processing of personal data 2) the personal data must be processed for specific lawful purposes 3) adequate, relevant and non-excessive personal data 4) accurate and up-to-date personal data 5) not keeping personal data longer than necessary 6) processing personal data per the rights and freedoms of data subjects 7) personal data must be kept safe and secure at all times 8) transferring personal data outside the EEA (European Economic Area) without adequate provisions in place for its protection is prohibited
If at any point you receive a request for access or deletion, you must respond within a month.
Remember the Facebook/Cambridge Analytica Scandal? The data protection violation which happened in 2015 resulted in the maximum possible penalty – £500,000. In a very lucky turn of events for Facebook, this data violation became public (early 2018) before the implementation of the GDPR. Otherwise, the ICO would’ve slapped the social media conglomerate with a fine of 4% of Facebook’s 2018 global revenue – around £1.7 billion.
Email Marketing Laws in China: Consumer Rights Protection Law 2013 and Measures of the Administration of Internet Email Services 2006
If you are email marketing in China there are two very important email marketing laws you need to abide by – the Consumer Rights Protection Law 2013 (CRPL) and Measures of the Administration of Internet Email Services 2006 (MAIES).
The CRPL 2013 forbids the distribution of commercial information and materials to consumers unless you have obtained their consent via a request or the consumer has explicitly rejected the information/materials.
The MAIES 2006 purpose is to regulate and safeguard the legitimate rights of consumers using email services via the internet in the territory of the People’s Republic of China.
Overall, both email marketing laws aim to protect Chinese residents and people who at the time of receiving marketing emails are on Chinese territory.
To comply with both pieces of legislation, you must –
  • state your emails are sent for commercial purposes at the opt-in stage
  • obtain verifiable explicit consent to send marketing emails for every user
  • clearly state your business information and sender name
  • ensure you’ve clearly outlined that any links to third-party services have nothing to do with spyware and in no way can facilitate hackers
  • give people an easy way to unsubscribe from your mailing list and process opt-out requests within 30 days
  • avoid any political or other sensitive topics in your email copy
  • identify any advertisement by using the English words for “advertisement” or “ad” or their equivalent in Chinese in your email subject line
Violation of MAIES 2006 can result in fines of up to CNY 30,000 ($4,525/£3,446); whilst non-compliance with the CRPL 2013 can result in a maximum fine of CNY 500,000 ($75,419 /£57,393).
You can find more information about MAIES 2006 here and for CRPL 2013 here.
Email Marketing Laws in Singapore: The PDPA
The purpose of the PDPA is “to govern the collection, use and disclosure of personal data by organisations in a manner that recognises both the right of individuals to protect their personal data and the need of organisations to collect, use or disclose personal data for purposes that a reasonable person would consider appropriate in the circumstances.”
If you breach the PDPA, you will be subject to fines of up to 10,000 Singapore dollars (USD 7,417/£5,643) and you could also be imprisoned for up to 3 years.

To ensure compliance with the PDPA, you must –

  • obtain the individuals’ consent to collect, use and disclose their personal data
  • clearly outline the purpose of collecting, using and disclosing the individuals’ personal data – you cannot collect personal data simply because you have access to it, there must be an explicit purpose
  • make sure the personal data collected is accurate and complete
  • never transfer personal data outside Singapore if the jurisdiction to which the data is transferred to does not provide legal protection
  • ensure that you’ll retain the personal data ONLY for as long as there are a business or legal reasons to do so
  • always offer people a way to opt-out from your email lists
  • check the Do Not Call (DNC) Registry (three separate registers covering telephone calls, text messages and faxes of businesses who do not want to be contacted for marketing purposes)
Non-compliance with the PDPA can result in fines of up to 10% of the company’s annual turnover or $1 million – whichever is higher. Stiffer fines will be imposed only on businesses with an annual turnover above $10 million.
For further information regarding Singapore’s PDPA, click here.
Brazil: The LGPD
Brazil’s LGPD is the first legislation to provide a comprehensive framework that establishes rules for collecting, handling, storing and sharing personal data of Brazillian citizens. Essentially, if your business has subscribers/customers from Brazil, this legislation applies to you and you must comply.
To comply with the LGPD, you need to –
  • have a clear explicit consent request and not hide it within your Privacy Policy
  • outline the purpose of the consent request
  • only process personal data necessary for the fulfilment of your stated purposes
  • maintain records of the data processing activity
  • allow people free and easy access to information about the processing of their data
  • ensure the accuracy of the collected data and keep it up-to-date
  • be transparent about how you process users’ data
  • safeguard the collected personal data from unauthorised access, accidental and unlawful destruction, alternation and unsolicited communication
  • offer a clear and easy way for people to unsubscribe from your marketing emails and delete subscribers’ data if they’ve requested it
  • appoint a Data Protection Officer (DPO) (this is also required under GDPR)
The maximum fine for violating the LGPD is 2% of the total revenue for the prior fiscal year (excluding taxes) and up to a total of BRL 50 million ($9.3 million/£7.1 million) per violation.
More on the LGPD can be found here.

Summary

Unlike all the other email marketing laws where consent must be given before sending marketing emails, the U.S. CAN-SPAM Act does not require consent before emailing as long as you’ve included an option for recipients to unsubscribe. Furthermore, to ensure 100% compliance, it is your responsibility as the sender to keep a record of obtained consents – i.e. subscribers’ IP address and opt-in date and time as an example. Remember, with the exception of the CAN-SPAM Act, all other email marketing laws require you to obtain the users’ consent.
If subscribers no longer wish to receive marketing emails from you, all email marketing laws agree that you must give them the opportunity to opt-out. While there are different opt-out methods (i.e. via a call to support or an email reply), including an unsubscribe link in every email is a must and a legal requirement.

The most important things to remember in terms of unsubscribe requests are –

a) never charge the person who wants to opt-out, and b) never ask for more info
Offering an easy and clear way for your subscribers to opt-out is a legal requirement under all email marketing laws. The only difference concerns the time allowed to process an unsubscribe request. While legislation may give you up to 30 days to do so, subscribers certainly won’t. Not to mention the hefty fines you’ll be subject to.
Bottom line: always obtain explicit consent, collect, handle, process and use personal data with care, never transfer data outside of your country without ensuring the recipient country has proper data security legislation in place, be honest and clear about your intention for the data and, most of all, always provide an option for people to unsubscribe.
Remember, understanding email marketing laws is not just about avoiding massive fines. It’s about mutual respect between your business and its subscribers.

Highly recommended further reading –

1) Why Using Purchased Email Lists Is A Very Bad Idea 2) Why Is My Email Going To Spam 3) Email Security Best Practices 4) Email Marketing Laws By Country

Disclaimer: We have spared no effort to give you the best overview of the different data laws across the globe. However, please keep in mind that this article is a summary, not definitive and it is your responsibility to fully understand the law as it applies to your jurisdiction and those of the recipients you plan to email. Should you decide to rely only on the information provided in this article, you do so at your own risk.

This article was originally published on 2 November and can be found here.

Open your Unlimited Sends one-month free trial today – after your first month with us you can switch to our FreeForever account giving you 12,500 sends to 2,500 contacts each and every month for free, forever. Corporate email marketing? Contact us.

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2020.11.18 23:30 Internationalspite9 I'm a 21 year old college senior, living in New York and making $18/hour as an intern

Hi everyone! Long time follower, first time poster :) I know college MDs can get a bad rap, but I tried to talk about a lot of the financial details of my parents and how I think about money as an almost post-grad to account for some of the criticisms of older college diaries. I’m definitely very grateful for all of the financial privilege that I have and don’t take any of the money given to me for granted.
Covid disclaimer: Every time I step outside my apartment, I have a mask on. I do take my mask off on runs, but only remove the mask when I’m physically on the running path and put it on as soon as I finish. Based on what we know about running and covid, I feel okay and safe about this.
Assets and debts:
Retirement balance:
Roth IRA: 12,000
Vanguard 500 index fund: $7,085
Equity: Yeah, no
Savings account $12,530. This is all in the Money Market, I have a huge fear of losing this money as I’ve planned on using this for covering costs as I transition into post-grad. As I start earning a regular salary, I’ll probably begin investing some of this.
Checking account:
Checking account 1: $10,356 - this is my main checking account linked to most of my purchases
Checking account 2: $3,665 - this WAS my travel saving/checking account (cries in covid), but now it serves as my college life account. At the start of the semester, my parents gave me a set amount of money for groceries and books (I think in total it was $1,000). Now, it’s up to me to budget that money accordingly and last me all semester. I keep this money separate from my main checking account so that I can more easily track what I’m spending on groceries each week.
Credit card debt: None. As early as I can remember, I was taught that you never put anything you can’t immediately pay off on a credit card.
Student loan debt: None. I am incredibly, incredibly privileged that my parents pay for the entirety of my tuition. I don’t qualify for need-based financial aid and my college doesn’t award merit-based aid. In total, my tuition will be about $280,000 over four years. Every semester, my dad tries to cause some issues about paying, but it’s actually in my parents’ divorce contract that they have to equally split the cost of college for both my brother and me.
Section 2: Income
Income Progression: I started making money first as a babysitter. I charged $8/hour at first (I think? It was 10 years ago, haha) and slowly worked my way up to charging between $17-20/hour, depending on the family and responsibilities. I’ve had 8 internships since entering college, and 4 of those have been paid at the standard intern rate of $15/hour. My current internship is the first office job where I’m making above $18
Main Job Income: I have two internships this semester. The one I spend more of my time doing (21 hours/week) I get paid $18/hour pre tax. This usually works out to $650/750 every two weeks (variable based overtime)
Other monthly take home: My second internship (11 hours/week) pays a flat-rate stipend of $80/week. This is paid under the table (kinda suspicious for an established company but whatever) so I get the full amount
Parents’ income: Something I’ve seen in response to a lot of college MDs is curiosity about parental finances. Especially considering that I am very financial intertwined with my parents, I thought it would be useful to include here.
Mom: $280,000-300,000/year. She’s self employed so her income changes slightly each year based on capacity.
Stepdad: Approx. $400,000/year
Dad: Approx. $150,000/year
Stepmom: Absolutely no clue. She and I have almost no relationship and I don’t even really know what she does for a job honestly. While my stepdad does support me financially in different ways, my stepmom does not, so her salary wouldn’t really be relevant here anyway.
Section 3: Monthly expenses that I pay
-$5: Emily’s List (it’s small, but I’ve had this recurring donation for over 4 years now
-$3: iCloud storage
-$5: Spotify student plan for premium Spotify, basic Hulu and basic Showtime. What a steal! I share my Hulu and Showtime passwords with my family #favoritechild
-$16 for the most basic Classpass subscription, paused since March due to Covid
-$15 for Nike Training Club app, paused since March due to Covid
-$65 for Amazon student prime membership - Annual expense
Section 4: Monthly expenses my parents pay
-$1,665: Rent. I live in a 3 bed/1 bath apartment with two roommates
-Phone bill (Mom pays)
-Health insurance (on Dad’s)
-Netflix (Dad pays)
Was there an expectation for you to attend higher education? Did you participate in any form of higher ed? How did you pay for it?
Yes, there was never any question that I would be attending a traditional four year university. Both of my parents have advanced degrees (PhD and Law School Degree) and it’s actually a bit disappointing to them that I don’t plan on going to grad school (at this point, never say never!). There was also, and this is hugely privileged, never any question that I would take out loans to pay. My parents began saving for my college when my mom got pregnant and had about a year of college saved by the time they got divorced (I was 9). Each parent was required, per their divorce agreement, to save up enough to cover half of the remaining three years (so in total all four years were covered). My dad has made it very clear he disagrees with this agreement, but my mom overfunded my 529 account and now if I ever go to grad school the first year will be covered by her. I don’t take this gift lightly, and am very cognizant of how much of a financial help this is.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
My mom always gave me age appropriate money talks really from as soon as I could talk. I have a very clear memory of being 3 or 4 and her giving me a bath and talking about how important it is that mommies have jobs and don’t have to ask daddies for money. She took my brother and I to open our first real bank accounts at 6 and 9 respectively, and was always very clear about how important financial responsibility and independence is. As I got older, she got more transparent about her income, her various financial decisions (why she invested in X account and not Y account, etc etc) and has helped me make financial decisions like what retirement accounts to open. We’re very transparent about money and I have access to all of her financial accounts (save for her joint accounts with my stepdad) and she has access to all of my accounts (She’s very respectful about my account info, she has my log-ins mostly in case I croak since I don’t have a will yet!)
Additionally, I was taught how to turn a profit early on from my dad. I was really big into American Girl dolls as a kid, and would always ask for them for birthdays and holidays. As I got more and more dolls, I began to sell the dolls I got tired of on Ebay. Dad taught me how to take pictures of the dolls, look up the prices of dolls listed online to decide on a competitive listing price and would take me to garage sales around town to find used dolls I could buy for $5-10 and then sell for around $60-70. I made a ton of money (especially for a 7 year old!) and used the profits to buy myself more dolls, as well as buy an iPod nano using completely my own money. My dad and I have never been super close, but he did teach me growing up that I was never too young to make an honest dollar and to appreciate the hustle.
What was your first job and why did you get it?
Aside from my online doll business, I started babysitting right after I turned 11 because I wanted money. My parents have always been clear that the money we earn is ours to spend, and I very quickly got addicted to earning money, saving money and then getting to buy big special purchases. I would literally “work” the social scene at various friend parties and gatherings and play with the little kids and then schmooze the parents to get them to hire me. I mostly babysat after school and date nights, but had quite a few recurring gigs for several families up until I graduated high school.
My first office job was an internship the summer after my freshman year of college, but I didn’t actually start securing paid internships until my sophomore spring.
Did you worry about money growing up?
Yes. When my parents got divorced, my mom was stressed about money all of the time. She was incredible about budgeting and always made sure to put money away for birthdays, holidays, field trips, etc but there were some very lean years in my late elementary/early middle school years that I was hyper-aware of. My family used to joke that we would know my mom won the lottery if we ever went out to dinner and we were allowed to order appetizers. Additionally, both of my parents subscribed to the mindset of over-saving for things and being super panicked about hitting savings goals. For example, my family loves to travel and starting in about 7th grade, my mom/brotheI would take one international trip a year. My mom would pinch pennies for months and get super stressed about saving for these trips but then we would get to wherever we were going and we could do, eat and see whatever we wanted. Or, she stressed for years about paying for college, and whenever I would accidentally leave a light in the house on she would snap about “you can either live in a well lit house or go to college” and then it came time to apply to schools and the financials didn’t matter at all. It was a little bit of money whiplash that made me feel stressed. It was only in my senior year of high school that my mom made it clear we were actually financially comfortable and a lot of money anxiety I had went away.
Do you worry about money now?
Mostly I worry about how my expenses impact my relationship with my parents.
My dad has made it very clear that he sees my college (and everything it took to get me here: expensive extracurriculars, a year of ACT tutoring, etc) as a huge burden. As a result, I feel like every time I talk to him I have to justify the price to him by overemphasizing how amazing things are, or understating the cost of things to him. I also feel like I can’t talk to him about my finances because I worry he might use that against me and demand that I pay for certain things that are his responsibilities. For example, I love to solo-travel and have taken two trips (Colombia and Norway) and would have taken three more (Singapore, Cuba and Brazil — Fuck Covid) on my own that I never told him about because I was worried he would ask about the cost. I also just signed a lease for my first ever big girl solo apartment, but haven’t been able to tell him yet because I’m so worried about what he’ll say about the cost. He’ll be responsible for splitting the rent with my mom until I graduate, and even though it’s only about $200 more/month he’ll be paying, I worry he’ll get upset with me about it.
With my mom, she tends to overcompensate financially to make up for my dad, brother and her own faults. Obviously, my relationship with my dad isn’t great (although now it’s actually better than ever), but my relationship with my brother is also very challenging. He has quite a few disabilities that have made him my parents’ main priority over the years and my mom feels bad that this is the family she’s given me, so she tends to send me money whenever one of them disappoints me. For example, just two weeks ago she had to cancel our plans to deal with my brother and so she sent me $50 because she felt bad. It’s a weird place to be in, feeling like I’m paid to be the “good kid.”
At what age did you become financially responsible for yourself and do you have a financial safety net?
It’s very clear I’m still financially dependent on my parents (lol). I definitely have my own savings to fall back on, but I also know that my mom and stepdad would be my real financial safety net.
Do you or have you ever received passive or inherited income? If yes, please explain.
Yes - both. This past summer, my mom sold my childhood home (traumatic). The house was in a very competitive and popular New Jersey suburb, and this coupled with the mass covid exodus from NYC into the suburbs means the house sold for $250,000 above asking price. Because my mom felt bad about selling the house(see comments above for context), she gifted me and my brother with $20,000 each into our retirement funds.
In terms of passive income, I have my Fitbit/apple health linked to an app that tracks my health stats and sends me $10 every so often. I figure that enough of my data is out there already that I might as well get paid for some of it. I also received a weekly allowance from age 6 to 17. My allowance correlated with my grade, every year I would get a dollar increase (so 1 dollar in first grade, 2 dollars in second grade, up through 12 dollars senior year of HS). Calling this passive income because I definitely did not do enough chores to earn it, lol.
Day 1: November 11
5:00am: My alarm goes off and despite not sleeping well, I feel wide awake. I’m an (mostly) early riser and try to get up between 5-6am most days. I scroll on my phone for ten minutes before heading into the kitchen to make breakfast. I make coffee with oat milk and grab two healthy(ish) apple/chocolate-chip muffins I baked on Sunday.
6:30am: Breakfast is eaten, coffee is drank and homework is in progress but I stop to get ready for a run. I’ve been a runner for about two years now, and even though it still feels weird and like imposter syndrome to call myself a runner, I’m currently training for my first marathon, which is definitely runner status.
7:00am: I’m lucky enough to live really close to Central Park, so I head there to begin my run. I have a 10 mile run slated for today, and it’s hot and humid so I carry an electrolyte drink with me and sip on my bottle every 3 miles.
9:00am: I’m slow but steady! Run is done and I head back to the apartment where I do a quick ab workout, shower, change, do my makeup and throw a load of laundry in the washer before throwing myself into my bed (which currently serves as my office, classroom, dining room table as well) one minute before my first internship of the day starts
9:30am-12:00pm: Work. This semester, I have two internships: one in the non-profit world and one in the consulting world (two very different fields!). I always thought I would go into non-profit development and I’ve had seven development/fundraising internships thus far, but my operations/sales internship this semester is making me think differently about my post-grad future. Regardless, on Wednesday mornings I’m at my non-profit job, and the morning is spent in meetings and completing some small tasks. At some point I eat some greek yogurt and also switch out my laundry to put in the dryer.
12:10-2pm: I switch gears and log into my virtual class. I front loaded my credits into my first three years of college, so this semester I’m just taking three classes. They meet once a week for two hours a day which is a mental drain to do via Zoom but I still enjoy my classes. Today’s class is my class about protests and social movements - my favorite of the three because I love the professor. She’s a total badass and I signed up for this class because I had taken a class with her last semester and enjoyed her teaching so much. Since I only have ten minutes between work and class, I eat lunch (sesame garlic noodles with kale, cucumber and green onion) for the first few minutes of class with my camera off and then I switch my camera on and participate in the class discussion for the rest of the two hours.
2:30pm: I walk to campus for my weekly covid test. Despite being 100% remote this semester, my school offers a free weekly testing program for all students living near campus. The test takes less than a minute, the swab doesn’t go all the way up my nose, and I really like knowing my testing status (all negative!) each week so I can’t complain.
2:45: On the way back to my apartment, I stop for a post long-run treat, boba. I get a medium lychee slush with bubbles which costs $6.35
3:00pm: Log into my other internship (consulting job). Technically the office is closed for Veterans Day but my boss is working on some time sensitive projects that I need to assist with. Usually I work 3-5, but he only keeps me for an hour. I don’t mind that I had to work today, I get paid hourly so there’s an incentive to log in! I use my freed-up hour to work on some homework
5:15pm: Weekly FaceTime appointment with one of my best friends
6:00pm: I make dinner. I roast a sweet potato and top it with sautéed red onion, kale, tomatoes, as well as half an avocado, a runny egg, hot sauce (#teamchoulula) and everything but the bagel seasoning. I love this meal because it’s easy, healthy, and cheap.
6:00pm-9:00pm: Time waste purgatory, I watch last night’s episode of the Bachelorette (Tayshia!), finally fold and put away my laundry and scroll through Instagram until I dissociate. I also eat a bowl of ice cream.
10pm: Bed!
Daily total: $6.35
Day 2: November 12
5:00am: I wake up and am hit with what my family calls the Covid grumpies. I don’t want to get out of bed, I don’t want to go to work, and once again I’m furious about how shitty my senior year of college is turning out to be. I intermittently snooze my alarm until 8, the absolute latest I can until I have to get ready for the day.
9:00am: Log into my non-profit internship. Get started on an assignment that should have taken 20 minutes but due to the way the document was formatted, takes almost two hours. I shove my prepped muffin and a coffee down my throat in an effort to calm down. It works for about 5 minutes.
11:40: Break from work to walk a few blocks to Whole Foods - I’m making a salad for dinner and realized I forgot to buy lettuce! I also pick up a prepacked, cold white iced tea from the beverage aisle, you know, to help with the covid grumpies. The lettuce and drink together come out to $6
3:00pm: Take another break from work to roast chicken and veggies for the salad tonight. In true covid-grumpy fashion, the veggies come out burned and the chicken is dry. Most of the food is salvageable so I pack up what I can and sadly toss some out.
5:00pm: I sign out of work and do some homework while I wait to get hungry for dinner. I have two major assignments due on Tuesday for different classes. Both assignments are ancillary assignments leading up to my final papers due in both classes. The topic matter of the classes are incredibly similar so I’m writing my final papers on the same topic for both classes. Work smarter, not harder, right? I have an extensive outline due for one class, and a paper draft for the other, so I’m working on the outline first, knowing that will help a lot with getting the draft done. For anyone who cares, I’m writing about the sexual assault against women migrants that happens in US immigration detention centers
6:00pm: I eat my sad, burned salad. It’s fine.
9:00pm: It’s the grey’s anatomy season premiere! I set up camp with one of my roommates in front of the TV.
11pm: Um, WHAT was that ending?! No spoilers but iykyk. It’s completely past my bedtime so I fall asleep shortly after reading after possible season17 theory on the grey’s reddit.
Daily total: $6
Day 3, November 13:
6:00am: Ugh. I roll myself out of bed and plop myself in front of my computer to get some readings done.
8:00am: Breakfast and some Netflix. I have the same breakfast as the past two days while watching the docu-series Immigrant Nation on Netflix. It’s infuriating but an important watch.
8:30am: I remember that it’s payday and check my bank account! For my consulting internship I usually get paid on the 15th and last day of the month, but since the 15th falls on a Sunday, I get paid today. I also get my under-the-table stipend deposited today too, score. My hours for my consulting job always change a little week-to-week, and this week was weird with Veteran’s Day, but I’m pleasantly surprised to see my paycheck from them is $645.53, which is higher than what I was expecting.
9:00am: Log onto consulting work. Today I’m asking my boss if I can extend my internship into the spring, and I’m so nervous. I’ve never asked for an internship extension before but I remind myself that I’ll never progress in a career if I can’t stick up for myself.
11:00am: I’ve been working and now it’s time to message my boss asking for a meeting. I rewrite the message a bunch of times and settle on a brief message asking if he can set aside 20 minutes to talk about my time at the company since my internship is almost over. He responds immediately and tells me to put some time on his calendar this afternoon. I take it as a good sign that he didn’t immediately shoot me down.
1:00pm: Sad burned salad leftovers.
2:00pm: I get on the call with my boss and spit out a speech about how much I’ve enjoyed my time so far and how I think my boss and I communicate well and that I can see myself as an asset to the team as they continue to work given how much I’ve come to work on. My boss says that he agrees with what I’ve said, and that he wasn’t fully sure on intern protocols for the spring so he can’t really do much now. Still, we chat about what time commitment I might be able to make to the company in next semester and he says that he’ll reach out to the intern coordinator to ask about what happens next. I leave the call feeling proud of myself for speaking up and asking for what I want, and stressssed as hell about what happens next.
2:45: The intern coordinator messages me asking if I have time on Monday to “check-in.” We set a time to talk on Monday and I feel even more stressed now! I assume this is probably a positive thing, because if they weren’t going to hire me again, she would have told my boss to pass that message on to me, but still. “Check-in” is so vague.
4:00pm: I get an email from my college saying that my spring semester bill is uploaded and ready to be paid. I get a little gut check that this is my last semester. I never expected to feel sentimental about a large tuition bill, but it’s a reminder that college is fleeting.
4:15pm: Still in my feels, I get an email from my mom confirming that her half of my college bill has been paid. My parents split the entirety of my tuition equally, a gift that I cannot express my gratitude for. I feel especially proud of my mom, who was a single mom for the majority of my life, who saved up MORE than the entirety of my tuition to make sure I never had to take out loans. I text her about how I feel like I blinked and now I’m done with college essentially.
5:00pm: Bossman tells me to sign out and enjoy my weekend, so I head out on a run. I do an easy five miles, and enjoy watching the lights come on in different buildings as I lap Central Park.
6:00pm: Do a quick 20 minute arm workout and then make pasta. I always eat pasta with veggies mixed on on Fridays, it’s my superstitious pre-Saturday long run tradition. Since I have such a long run planned tomorrow, I eat a few pieces of sourdough bread too.
8:00pm: I shower and wash my hair. After, I sit down to make some more progress on this outline, which has been nagging me all day.
10:00pm: Still not done with homework, but cie la vie. It’s time for bed!
Daily total: $0
Day 4, November 14:
6:30am: I drag myself out of bed and into the kitchen where I make a bowl of oatmeal with a healthy dollop of both peanut butter and Nutella. Also a cup of coffee, but that’s obvious. I watch some random YouTube videos while I eat and then take notes on another reading
8:30am: I head out to the park with my packed running vest. It’s Saturday long run, baby!
1:00pm: 20. Freaking. Miles. Done. Easily the hardest run I’ve ever had (and the longest - the most miles I’ve done up until now was 16). I knew it was going to be tough when my legs started feeling seriously fatigued a quarter of a mile in. I thought I would be done closer to 12, and my total moving time would have got me there, but I had so many moments of just stopping my watch and telling myself I was done and then talking myself back into not quitting. I ran, jogged, walked and dragged myself those 20 miles, and I feel seriously proud of myself.
1:30pm: No rest for the weary. After a quick and much needed shower, I get dressed and walk about 15 blocks to Trader Joes. This location is tough because it’s walkable but just far enough to be kind of a trek, but not long enough to justify taking public transit. The TJs line moves quickly and I get into the store about 20 minutes after getting in line. I buy a bunch of staples for my meals this week: red lentils, kale, avocado, more pasta, a few frozen meals (super convenient for the days where I only have 10 minutes between work and class), fruit, etc. I also manage to grab the last pint of the candy cane Joe-joe ice cream, a huge victory considering it was sold out every.single.time. I checked last year. I put the groceries on my debit card linked to my “college life” account and the total comes to $36.
3:00pm: On the walk back from TJs, I stop by a liquor store to pick up a bottle of champagne. I wanted to get my mom a thank you acknowledgement of the last college payment. I’ll also get a bottle for my dad, but I’m not seeing him until Thanksgiving and I’m seeing my mom tomorrow, so I keep it to one bottle for now. I pick up a slightly smaller bottle of Veuve Cliquot (they were all out of the regular sized bottles) and wince as the cashier rings the bottle up. I remind myself that if my mom can drop $120K on her share alone for school, I can drop almost $40 on a bottle to thank her. I don’t get carded, which bums me out because I only recently turned 21 and I love getting to saunter up and use my real license as ID knowing that my days of searching out sus corner stores that’ll take a fake are over. $38
3:00pm: Home and unpacked groceries, eating a frozen lamb vindaloo I got from TJs for lunch. I never get hungry after long runs but I know I need to eat and I like that this has guaranteed protein and carbs
6:00pm: I order dinner. I usually always get takeout on the weekends. That’s definitely my biggest financial splurge. I don’t love cooking and so not having to worry about dinners on Saturday and Sunday is huge for me. I order grilled beef pho and boiled pork dumplings from a local Vietnamese place and price compare between UberEats and Postmates for the cheaper price. Ubereats wins out. I tip 25% for the delivery person, and with tip, the order comes to $36 (what’s with all of these $36s today?!). Expensive, but hey, it was payday yesterday.. $36
11:00pm: Spent the rest of the night goofing off online, but now it’s time for bed.
Daily total: $110
Day 5, November 15:
8:45am: I slept in! I feel great, I definitely needed that sleep. While I’m still groggy enough to talk myself into it, I roll over, grab my laptop and bang out two pages of my paper. Once that’s done, I eat a breakfast muffin and start getting dressed and ready for the day.
9:45am: I head out and walk the 40 blocks to brunch with mom. It’s a beautiful, windy day out and the fresh air feels good. On the way, I stop at a street cart for a cup of coffee. The coffee is $1.25 but I give him two dollars in cash and tell him to keep the change. I find myself a bit more generous with tips when I’m paying in cash, because I use my debit card for almost everything, cash has a bit of a “play money” feeling to me - I don’t count it in my accounts so spending cash feels less consequential. $2
10:30am: Meet up with mom! We weren’t planning on drinking but… we order two rounds of apple cider bellinis. I have French toast, mom has eggs and we talk for three hours. The restaurant is slow today so the waitress tells us there’s no rush (we checked with her a few times to make sure we weren’t holding a table!). Mom pays and the total was around $70.
1:30pm: Head back uptown on the bus. My stepdad’s job gives employees a crap ton of metro cards (not sure how the system really works but he just gets piles of cards at a time with amounts ranging from $30-90 on them), but he likes to walk to work. I’m so incredibly fortunate that he gives me all of his metro cards. Not having to pay for any public transit fare for the past 4 years has been a huge privilege. I usually give metro cards to my friends as well, but since no one is in the city, I have a huge backlog right now. A woman on the bus asks for a swipe, so I give her a metro card I know is new and has $ on it.
2:00pm: Back at my apartment, changed into comfy clothes and doing laundry and homework.
6:00pm: I’ve mostly been relaxing this afternoon but now it’s time for dinner. I have a $5 off coupon at dig inn, and I had planned to go there, but I’m really craving Mexican food now. I spent way too long looking at all the places on Seamless/Postmates/UberEats and am just about to checkout on a pricy Seamless order before I talk some sense into my self about how spending $25 on takeout when I don’t even fully know what I want to eat is absurd. I close out my cart and order from dig inn instead. I get a chicken bowl with veggies for $7, which is way less hurt to my wallet. I nearly get blown over by the hurricane-grade winds on my walk to pick up dinner. $7
8:00pm: Shower, get ready and organized for the week, relax until bed
10:00pm: Lights out!
Daily total: $9
Day 6, November 16:
6:00am: I wake up and simply don’t have it in me to go for a run. Instead, I do homework (it’s literally never ending) and drink coffee under the blankets. I also eat an multigrain English muffin with peanut butter and cinnamon — switching it up this week
9:00am: Work at my consulting internship today. Busy busy. I have various assignments that keep me occupied the entire morning.
1:00pm: Break for lunch. I have another loaded roast sweet potato, topped with avocado, kale, corn, onion and hot sauce. I get some homework done, but not enough.
2:00pm: I sit in on my team’s weekly meeting and take notes for my boss.
3:30pm: I have a meeting with the intern coordinator. It goes really well! I get an unofficial offer to stay on for next semester, and she tells me to keep an eye out for an official offer letter next week. I get off the call and jump around my room, and then obviously text my mom immediately to tell her the good news.
5:30pm: Work runs over, but I have to log off now because I have a meeting. I’m on the senior class fundraising committee for my college, and we have meetings every Monday night. I multitask during the meeting and finally, finally manage to finish my paper. I send it off to my professor.
6:15pm: Dinner, thank god. I copped out and made a bag of TJs cauliflower gnocchi drizzled with a little olive oil and EBTB seasoning. It’s… fine. I also smash the rest of the peppermint Joe joes ice cream.
8:00pm: I realize that the necklace from Catbird I’ve been wanting for months is back in stock, and text my mom about it. She had offered to buy it for me as a birthday present (back in September) but the necklace had been out of stock for MONTHS, and so I tell her that I’m happy to just have it be a Christmas present instead if she doesn’t want to spend any more money on b-day stuff. She tells me to go ahead and count it as birthday present, what a homie. For those Catbird enthusiasts out there, I got their signature gold key necklace and the adjustable chain. I have the option to get it engraved, and I go with the message I’d been planning since I finally accepted my family would be selling my childhood home and moving away: the telephone area code of my hometown. It feels like a perfect way to have a little piece of home with me and I love the symbolism of the code on the key. I have a 10% off coupon (from when Catbird mistakenly sent out an email saying the necklace was back in stock when it wasn’t) and the total comes to $206. I’m so excited about my new jewelry! Almost everything I wear on a daily basis comes from catbird (I’m a jewelry minimalist and love little tiny sparkly things that I can put on and then never have to think about again), and this necklace really rounds out my collection.
10:00pm: Bed!
Daily total: $0
Day 7, November 17:
6:00am: Another day of waking up with little motivation to get out of bed. My room is shafted and so no matter when I wake up, it’s pitch black outside. That coupled with the dropping temps makes it way hard to escape my blanket cave. I decide to give myself a chill morning and watch netflix until I have to get ready for the day. Breakfast is coffee and the same English muffin combo as yesterday.
9:00am: Sign into consulting work again. It’s a weird day where I have a lot of assignments, but none are particularly pressing or time sensitive. I press through and get them done, albeit slowly.
12:00pm: Sign off work and make the fastest avocado toast topped with an egg. I have class in 10 minutes!
12:10pm: Sign into my first class and eat my lunch, then switch my camera on. This class is a senior seminar for the political science major. The class looks at im/migration through a international human rights framework. Today we’re talking about deportation.
2:00pm: Class ends and I grab a banana before heading into my next class.
2:10pm: This class looks at the gendered aspects of immigration (Didn’t plan on taking two immigration-related classes back to back, but it actually works really well!). By the ever-loving grace of god, my professor decides to end class after only 20 minutes (usually this class is two hours)
3:30pm: After relaxing for a bit, I head out for a run. It’s COLD but the sunset over Central Park is unreal. I stop a few times during the six miles to take pictures of the sky.
5:00pm: Home. I do a quick butt workout and then head into the kitchen to make dinner. I make a double batch of pasta (always thinking about lunch leftovers) mixed with sautéed broccoli, peas and kale. I add in an easy sesame garlic sauce and also crack open a can of sparking apple juice.
6:00pm: While I eat, I debate buying a set of Tiffany’s martini glasses for my new apartment. I just signed a 12 lease on the most perfect apartment EVER - a true one bedroom on the UWS, with incredible views of the city, TWO giant closets in the bedroom plus an additional coat closet, brand new kitchen appliances, in a doorperson building with laundry and gym in building. We (by we I mean my stepdad) negotiated rent down from $2,300 to $1,760. My parents will pay my rent through may as this is technically my college housing, and I’ll pick up the rent payments once I graduate.
I received a set of four Tiffany’s wine glasses for my birthday, and I feel like 2 martini glasses would be perfectly kitschy to add to my collection, but $60 for two glasses is not an insignificant price. I go back and forth on the matter for nearly 30 minutes, and have my card out ready to make the purchase before quickly shutting down the page. I have a lot of anxiety around spending money on things I don’t need and have a hard time with the idea of buying something just because I want it - I was brought up with the idea that if you don’t budget or plan for something, it shouldn’t be bought. I’m working through this money anxiety, but for now I decide that these glasses would be a good Christmas present to ask for.
10:00pm: Couldn’t tell ya what happened between 6 and now. I showered, ate candy, watched tv? Anyway, it’s time to sleep, I’m tired!
Daily total: $0
Weekly total: $131
Reflection: I think this reflects a pretty accurate week of spending for me, though it can vary depending on weeks where I buy more non-essentials. For example, I definitely need some more cold weather running gear, so this week I’ll probably drop some $ on hats, gloves, better jackets. I have a lot of anxiety around making these non-essential purchases though so I tend to talk myself out of spending money on things I want because I’m super scared that I won’t find a job and will need to rely on my savings for a while. I wanted to write this MD to document the weirdest, busiest semester of college so far and am happy to answer any questions about my financial relationship with my parents, my savings philosophies, etc!
submitted by Internationalspite9 to MoneyDiariesACTIVE [link] [comments]


2020.10.19 11:00 BryanM_Crypto Weekly Discussion Thread (19, Oct 2020 - 25, Oct 2020)

Welcome to our Crypto.com Weekly Discussion Thread! Let talk all things Crypto.com!
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For new joiners, keep up to date with the latest developments and updates in our official social media channels.
Join us on Twitter, Discord, Facebook, Instagram, LinkedIn, Reddit, Telegram, Telegram Announcements Channel, or find your local Telegram community here.
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Latest News & Updates:
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Other useful links: Website, Blog, FAQ (Please have a look before asking any general questions)
Crypto.com Whitepaper: https://crypto.com/images/chain_whitepaper.pdf Crypto.com Chain Technical Whitepaper: https://crypto.com/images/chain_technical_whitepaper.pdf Crypto.com Chain Consultation Paper: https://crypto.com/images/chain_consultation_paper.pdf Crypto.com Chain Testnet Explorer: https://chain.crypto.com/explorer Crypto.com Chain Technical Documentation: https://crypto-com.github.io/ Crypto.com DeFi Swap: https://crypto.com/defi/swap
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submitted by BryanM_Crypto to Crypto_com [link] [comments]


2020.10.16 23:44 Jonsmith78 Anyone signed up for Containers for Change yet?

Edit:
Looks like you don't have to give your details to take containers back.
Not sure why you need to sign up at all - maybe to use the bag drop feature?

So, am in process of signing up to this.
Find it odd that they were asking for my Gender, Age Range, and Post code.
Haven't clicked the tick box for accepting the terms and conditions yet.
The privacy policy (see below) looks like they want a lot of info, and are gonna use this info for advertising, marketing, research or whatever the hell the want, and will share your info with whoever they want.
Not keen on accepting all this. for a measly 10 cents a container.
Am I overreacting, or does this seem like a bit of an overreach on their part?:

https://www.containersforchange.com.au/wa/privacy
In this Privacy Policy, ‘us’ ‘we’ or ‘our’ means WA Return Recycle Renew Ltd ACN 629 983 615. We are committed to respecting your privacy. Our Privacy Policy sets out how we collect, use, store and disclose your personal information. We are bound by the Australian Privacy Principles contained in the Privacy Act.
By providing personal information to us, you consent to our collection, use and disclosure of your personal information in accordance with this Privacy Policy and any other arrangements that apply between us. We may change our Privacy Policy from time to time by publishing changes to it on our website. We encourage you to check our website periodically to ensure that you are aware of our current Privacy Policy.
Personal information includes information or an opinion about an individual that is reasonably identifiable. For example, this may include your name, age, gender, postcode and contact details. It may also include financial information, including your bank or credit card details.
What personal information do we collect?
We may collect the following types of personal information:
We may collect this information when you:
In addition, when you apply for a job or position with us we may collect certain information from you (including your name, contact details, working history and relevant records checks) from any recruitment consultant, your previous employers and others who may be able to provide information to us to assist in our decision on whether or not to make you an offer of employment or engage you under a contract. This Privacy Policy does not apply to acts and practices in relation to employee records of our current and former employees, which are exempt from the Privacy Act.
Why do we collect, use and disclose personal information?
We may collect, hold, use and disclose your personal information for the following purposes:
We may also disclose your personal information to a trusted third party who also holds other information about you. This third party may combine that information in order to enable it and us to develop anonymised consumer insights so that we can better understand your preferences and interests, personalise your experience and enhance the products and services that you receive.
Do we use your personal information for direct marketing?
We and/or our carefully selected business partners may send you direct marketing communications and information about our services. This may take the form of emails, SMS, mail or other forms of communication, in accordance with the Spam Act and the Privacy Act. You may opt-out of receiving marketing materials from us by using the opt-out facilities provided (eg. an unsubscribe link) or contacting us by calling 13 4CHANGE (13 42 42) or emailing [[email protected]](mailto:[email protected]).
To whom do we disclose your personal information?
Disclosure of personal information outside Australia
We may disclose personal information outside of Australia to our third party suppliers and service providers located in overseas countries including but not limited to the Philippines, India, Singapore, the United States, Canada, the United Kingdom and New Zealand.
We will, however, take reasonable steps to ensure that any overseas recipient will deal with such personal information in a way that is consistent with the Australian Privacy Principles.
Using our website and cookies
We may collect personal information about you when you use and access our website. While we do not use browsing information to identify you personally, we may record certain information about your use of our website, such as which pages you visit, the time and date of your visit and the internet protocol address assigned to your computer.
We may also use ‘cookies’ or other similar tracking technologies on our website that help us track your website usage and remember your preferences. Cookies are small files that store information on your computer, TV, mobile phone or other device. They enable the entity that put the cookie on your device to recognise you across different websites, services, devices and/or browsing sessions. You can disable cookies through your internet browser but our websites may not work as intended for you if you do so.
We may also use cookies to enable us to collect data that may include personal information. For example, where a cookie is linked to your account, it will be considered personal information under the Privacy Act. We will handle any personal information collected by cookies in the same way that we handle all other personal information as described in this Privacy Policy.
Security
We may hold your personal information in either electronic or hard copy form. We take reasonable steps to protect your personal information from misuse, interference and loss, as well as unauthorised access, modification or disclosure and we use a number of physical, administrative, personnel and technical measures to protect your personal information. These include using encryption technologies and deploying anti-malware and anti-virus software. However, we cannot guarantee the security of your personal information.
Links
Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we are not responsible for the privacy practices of, or any content on, those linked websites, and have no control over or rights in those linked websites. The privacy policies that apply to those other websites may differ substantially from our Privacy Policy, so we encourage individuals to read them before using those websites.
Accessing or correcting your personal information
You can access the personal information we hold about you by contacting us using the information below. Sometimes, we may not be able to provide you with access to all of your personal information and, where this is the case, we will tell you why. We may also need to verify your identity when you request your personal information. If you think that any personal information we hold about you is inaccurate, please contact us and we will take reasonable steps to ensure that it is corrected.
Making a complaint
If you think we have breached the Privacy Act, or you wish to make a complaint about the way we have handled your personal information, you can contact us using the details set out. Please include your name, email address and/or telephone number and clearly describe your complaint. We will acknowledge your complaint and respond to you regarding your complaint within a reasonable period of time. If you think that we have failed to resolve the complaint satisfactorily, we will provide you with information about the further steps you can take.
Contact Us
For further information about our Privacy Policy or practices, or to access or correct your personal information, or make a complaint, please contact us using the details set out below:
Privacy Policy Officer[[email protected]](mailto:[email protected])13 4CHANGE (13 42 42)
Effective: 15 July 2019
submitted by Jonsmith78 to perth [link] [comments]


2020.08.29 18:20 IdolA29Augl Fa-st G-ay Spe-ed Da-ting Minn-esota

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https://preview.redd.it/hk5k1i5yvyj51.jpg?width=275&format=pjpg&auto=webp&s=5fa2ad5ce3347eceb00b9590b866e03abb5a3853
submitted by IdolA29Augl to u/IdolA29Augl [link] [comments]


2020.08.29 18:11 HaulA29Augl Success G-ay Help Dat-ing Stor-ies

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https://preview.redd.it/zxeoolgauyj51.jpg?width=275&format=pjpg&auto=webp&s=e45e44b0c9f0861e9f1bb2ad5bfba5c0331d1246
submitted by HaulA29Augl to u/HaulA29Augl [link] [comments]


2020.08.29 00:20 blocknugget BTS Comeback Achievements Megathread (Dynamite)

In the past week since Dynamite’s release, it has already achieved a lot. With permission, I have decided to compile all these achievements in this megathread, following the same format as the previous BTS achievements megathread for Map of the Soul: 7, edited for song (not album) achievements only. bangtan also has a similar megathread found here!
Any and all accomplishments, records, or milestones by the group during this comeback season can be added into the comments of this post. I will then copy them up here into some tidy lists.
Some achievements will be allowed as individual posts on their own. Here is a potential shortlist based on the rules.
This list of achievements CAN be posted outside of this thread:
This isn't a complete list, but please ask the mods (not me) if something can be posted on its own that isn't listed here!
This is a list of achievements, which mostly CANNOT be posted outside of this thread:

Korean Sales/Charting

  • 610 Perfect All-Kills, most of all time @idep0234
  • BTS' 3rd song with Perfect All-Kill and second ever English song to earn a PAK after Let it Go in 2013 @btsanalytics
  • First song by an idol group to achieve 300 PAKs, second overall @charts_k
  • Only song to achieve 400, 500, 600 PAKs
  • Most hours at #1 of all time on major Korean charts: Melon (1103), Genie (942), Flo (1211), Bugs (707) (Note: Bugs record for 2020 but overall record is unknown) @charts_k
  • Reached peak of 708k+ Unique Listeners on MelOn. @charts_k
  • Fastest idol group song to reach 200,000 likes on MelOn @charts_k
  • 270,000 likes on MelOn (after 1 month) @charts_k
  • 18 roof hits on MelOn, most for an idol group in 2020 @charts_k
  • 46 consecutive days at #1 on MelOn daily, most for an idol group in 2020 @taemworks
  • 6 consecutive weeks at #1 on MelOn weekly chart, most for an idol group in 2020 @charts_k
  • Fastest idol group song in 2020 to pass 20 million streams on Genie @charts_k
  • Fastest song in 2020 to pass 30 and 40 million streams on Genie @kchartsmaster @charts_k
  • 1.5 million unique listeners on Genie in 36.5 days, fastest idol group song in 2020 @charts_k
  • #1 on Genie monthly chart for September @charts_k
  • 6 consecutive weeks at #1 on Bugs weekly chart, first for a male idol group in 12 years @charts_k
  • #1 on Gaon Digital Chart (BTS’ 7th #1) @charts_k
  • 5 weeks at #1 on Gaon Digital chart, surpassing 254M total points. also the highest 6th week points in 2020 @charts_k
  • Surpassed 200 million points on Gaon in 5 weeks, fastest for an idol group in 2020 @charts_k
  • #1 on Gaon’s download chart for 4 weeks, first song in history @charts_k
  • Entered top 100 of Gaon's year end chart at #77 as of Sept 23 @charts_k

Worldwide Sales/Charting

  • Eligible for RIAA Gold (500,000 units in USA) @charts_k
  • Eligible for RIAA Platinum (1,000,000 units in USA) @charts_k
  • Surpassed 935k pure sales in the US @charts_k
  • Has now sold over 1.5 million units in the US, their fastest song to reach this mark @chartdata
  • Biggest pure sales debut of 2020 in the US with 265k @btschartdata
  • Second week US sales 182k, more than any other song sales week this year @chartdata
  • Third week US sales 136k, Dynamite has the top 3 sales weeks in 2020 @charts_k
  • Fifth week US sales 153k, 3rd highest sales week in 2020, Dynamite has the top 4 sales week in the US in 2020 @btschartdata
  • 8 consecutive days at #1 on Line Music in Japan, first for a Korean artist @charts_k
  • Second week at #1 on Line Music Japan Weekly chart @charts_k
  • #1 on Line music after 5 weeks of release @charts_k
  • Tops Line music Japan monthly chart for August @btschartdata
  • #1 on Recochoku weekly chart in Japan @charts_k
  • #1 on Oricon’s Streaming Chart (Japan) with 8.7 million streams, the most streams for a foreign act and only foreign act to top the chart @charts_k
  • #14 on US Pop Radio, their highest peaking song @bybrianbyrne
  • #1 on The Official Big Top 40, the UK’s biggest chart show (different from the official singles chart) @BigTop40
  • #1 on Billboard Digital Song Sales (6 weeks at #1) @btschartdata
  • First #1 on Canadian Digital Song Sales chart @btsglobalcharts
  • Group with most #1’s on Artist 100 (USA) @chartdata
  • Best selling download among all singles in the US in 2020 @chartdata
  • First song to be #1 on the Billboard Hot 100, Global 200 and Global 200 Excl. US singles charts simultaneously (Dynamite's 5th week) (Posted)

Official Country's Singles Charts

YouTube Views / Likes

  • 101.1M Views and 8.8M Likes in the first 24 hours Views (Posted), Likes (@btsanalytics)
  • Biggest YouTube Premiere of all time, with over 3 million concurrent viewers @charts_k
  • Passed 1 million Likes during the Premiere (2 mins before release) @btschartdata
  • Most liked video of 2020 with over 15M likes @btschartdata
  • Most liked music video by a Korean artist in history (Posted)
  • 223.8M views in the first week @btschartdata
  • 498 million global Youtube streams for BTS this week, Dynamite with 287 million @headlineplanet
  • Dynamite debuts at #1 on the global YouTube songs chart with 220m views and 287 million listens, the biggest weekly debut in history for any artist. @charts_k
  • 21 million streams on YouTube from the US in its first week, BTS’ biggest first week debut in the US yet, surpassing Boy With Luv (13.6 million) @charts_k
  • Fastest to 10 million views in 21 minutes @btschartdata
  • Fastest to 20M, 30M, 40M, 50M, 60M, 70M, 80M, 90M, 100M views
  • Fastest to 200M views in 4.5 days @btschartdata
  • Fastest video by a group to reach 300M, 2nd fastest overall 15 days 3 hours @charts_k
  • Fastest video by a Korean artist to reach 100M, 200M, 300M, and 400M @kchartsmaster

Spotify / iTunes / Apple Music / Shazam

  • #1 on iTunes US, spends 12 consecutive days at #1 @btschartdata
  • #1 on iTunes WW, 22 days at #1, most for a Korean group @serietv46
  • #1 on iTunes in 109 countries @btsworldwider
  • Record for the biggest ever opening week on Spotify Weekly Chart for a song released by a group 39.9M streams @btsanalytics
  • Biggest total debut week on Spotify of 2020 and 3rd highest of all time 56.1M streams @spotify_data
  • First song by a Korean act to spend 8 consecutive days in the top 3 on Spotify's global chart @charts_k
  • 29 consecutive days in the top 5 Spotify global chart @charts_k
  • 53 overall days in top 5 Spotify global chart @charts_k
  • 57 consecutive days in the top 10 Spotify global chart @charts_k
  • BTS surpassed 32.2M+ Spotify monthly listeners, their highest to date and highest peak for a Korean act @charts_k
  • 100 million streams on Spotify in ~15 days, fastest by a group @chartdata
  • 200 million streams on Spotify in 36 days, fastest by a Korean act @charts_k
  • Most streamed song by a Korean act on Spotify in 2020, surpassing 215M+ streams charts_k
  • Reached #1 on the following countries Spotify charts:
    • to be updated
  • Added at the #1 spot to the following Spotify playlists:
    • New Music Friday, Today's Top Hits, Summer Hits, Top Hits Philippines, Singapore, Vietnam, Malaysia, Hot Hits India, Canada
  • #5 peak on Apple Music Global @charts_k
  • #27 peak on US Apple Music @charts_k
  • 560k+ Shazams in the first week @btsanalytics
  • #1 on Shazam global chart @shazam

Music Show wins

  • 1st win @ Music Core (200829)
  • 2nd win @ Inkigayo (200830)
  • 3rd win @ Show Champion (200902)
  • 4th win @ Music Bank (200904)
  • 5th win @ Music Core (200905)
  • 6th win @ Inkigayo (200906)
  • 7th win @ Show Champion (200909)
  • 8th win @ Music Bank (200911)
  • 9th win @ Music Core (200912)
  • 10th win @ Inkigayo (200913)
  • 11th win @ Show Champion (200916)
  • 12th win @ Music Bank (200918)
  • 13th win @ Music Core (200919)
  • 14th win @ Music Bank (200925)
  • 15th win @ Music Core (200926)
  • 16th win @ Music Bank (no show aired)
  • 17th win @ Music Bank (201009)
  • 18th win @ Music Core (201010)
  • 19th win @ Music Core (201017)
  • Artist with most wins in 2020 (35)

Articles/Social Media

(to be updated, last update Oct 17)
Please submit achievements in the comments with a link to a good source (Twitter is acceptable for most things). I'll update the main post whenever possible, thanks!
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submitted by IdolA28Augl to u/IdolA28Augl [link] [comments]


2020.08.25 12:56 Ok-One9373 High West Capital Partners Scam

High West Capital Partners Scam

FBI is on the way against High West Capital Partners
Most of us have probably worked jobs that weren’t quite what they seemed on the outside, but my time at High West Capital Partners is in a category of its own; they owe me $275k and have vanished with my money.
If you’ve ever seen the Tom Cruise movie The Firm, where a hotshot lawyer takes a well-paid role without asking too many questions and soon realizes he is working for the mob, you’ll recognize some of my experiences at High West - without the Hollywood ending.
I lost my job in 2008 after serving my time in Wall Street and for the next decade bounced around a couple of small brokerage firms. I still don’t know how they found me, but I was headhunted on LinkedIn in spring 2019 by an assistant for someone called Jim Locke, the apparent MD of High West Capital Partners, LLC. They promised me 10% commission and would cover all expenses. I agreed almost immediately, and a memo (not a contract) was sent over with the terms of the agreement.
I never spoke to or heard from James Locke during my time at High West Capital Partners, LLC. Does this supposed MD of a supposed investment vehicle that “reaches around the globe twenty-four-seven” even exist? I’ve asked myself this plenty of times over the last year. Most of my research, and that of the investigators I hired to help peel back some of the layers, would indicate no.
Who are High West Capital Partners?
With zero money and no contact from the firm for several months now I have tried to go as deep as possible into the company who were meant to be employing me, and found most of the roads leading to High West Capital Partners went nowhere.
The website promotes offices in Hong Kong, Singapore and Nevis, but for some reason visitors are greeted with an image of Paris, France. High West Capital Partners boasts of its financial intelligence but strange details and the strapline “custom goods made to order” which is not any kind of financial terminology I have heard in 20+ years make the site look more like an amateurish scam.
The Hong Kong address listed on the High West Capital Partners website, 15 Queen's Road, 75J5+65 Central Hong Kong, is in the centre of the fashion district.
It is home to many law firms, and is the location of choice for at least eight offshore funds, all shell companies registered in the British Virgin Islands (BVI) between December 2006 and September 2007. It is not home to High West Capital Partners as there is no record of a company of that name ever existing at that Hong Kong address.
During a trip to Hong Kong to meet a potential client in winter 2019 I swung by the building unannounced, out of curiosity. There was no trace of High West Capital Partners on any of the signage and the reception desk also could not find any data indicating the firm operated out of the building.
Hong Kong’s business register has no record of High West Capital Partners, and neither does the Securities and Futures Commission, Hong Kong’s finance regulator.
A six-minute walk away from 15 Queens Road is the Hong Kong Chinese Bank Building. Here, High West Capital Limited was registered in July 2020 by three foreigners; a German, Dr Thomas Robert Wetzer; and two Austrians, Alfons Mensdorff-Pouilly, and Alexander Spitzy.
All three are senior executives at Jebsen Group, a legitimate and longstanding investment management group. Mensdorff-Pouilly and Spitzy are senior managers at Jebsen, while Wetzer is a general manager of equity portfolio at the offshoot Jebson Capital.
High West Capital Limited has no website or any other identifying information, is registered at Suite 603, 6/F The Chinese Bank Bldg Nos 61-65 Des Voeux Rd Central, Hong Kong.
The trio make no mention of High West Capital Limited on their social media profiles, and there is no other financial paperwork lodged. They paid HK $1,000.00 to incorporate it, and the company secretary, which tends to be a law firm, is listed at the same address. It is called Kompliance Limited, a private company formed May 2017.
Look’s Securities was incorporated in August 2016, the same year Spanier and McClain were convicted and around the same time period where all the other bits of the puzzle fit together.
Looks Securities is a sister to Look’s Asset Management, which is listed with Hong Kong’s securities regulator as offering securities advice since 2016 and has much the same management, including the same complaints officer who is the point of contact for regulatory issues.
The first iteration of High West Capital Partners LTD was incorporated in St Kitts and Nevis, which has one of the most obscure and secretive company register databases in the developed world, in 2016. High West’s financials are firewalled by Southpac Trust.
On 21 August 2017, High West Capital Partners LTD registered at Kingston Chambers, Town Road, VG1110, British Virgin Islands (BVI) with the Legal Entity Identifier 549300J8JHMPPSYSI103. It has no operations and no collateral at that site. That address is used by at least 10 other shell companies using the tax haven to obscure trails of wealth.
High West Capital Partners PTE. LTD was registered in August 2018, in Singapore. The address is 8 Marina View, #43-01, Asia Square Tower 1, Singapore 018960 in the local business registry. A “management consultancy” this time, High West Capital Partners PTE. LTD is listed as having five owner-shareholders who paid a cash sum of $5,000 to register.
Registering as a management consultancy means they can circumvent Singapore’s requirements to file annual reports of their income and they do not have to declare other financial information or make other documents publicly available.
Other registries covering Singapore have them at numbers #07-04 Asia Square Tower 1, and the have moved around the building, presumably to help muddy the waters even more.
In March 2017, High West Capital Partners, LLC was incorporated by the process agent Allison Zeledon in New York in 2017, at 91 Pantigo Road in East Hampton. The residential address, unlike the others around it, is blurred on Google Maps street view.

High West Capital's alleged processing agent's address
In cross-border financing transactions, the parties to the agreement must decide on a choice of law clause specifying that any disputes will be determined in accordance with the law of a particular jurisdiction. It varies, but New York, Hong Kong and the UK are usually chosen.
The process agent is basically the main point of contact for all legal documentation. Allison Zeledon performs this role for a couple of the 10 very similar companies she is linked with around the Hamptons area. Like Jim Locke, if Allison exists, she never responded when I was trying everything to get the money they owe me.
Also registered to that residential address is Hampton Global Invest, L.P. to the names Davis Zeledon, Margarete Seidler (born 1926), and Hans H. Seidler.
Davis Zeledon is a Costa Rican who opened a short-lived fund called Satori Capital Management Ltd in London in 2015 with a German equities trader residing in Spain. Satori was registered to a notorious central London address with 107 other shell companies.
Satori filed no accounts or other financial data and was struck off the British business register in March 2017, the same month High West Capital Partners, LLC was opened in New York. It exited the UK market just before two new sets of corporate anti-corruption laws entered force that would require greater disclosure on sources of funds.
For the sake of completion, Hampton Global Invest was also incorporated in December 2016 as a foreign limited partnership under the jurisdiction of Delaware. Like so many other players in all of this, it appears to be a shell vehicle; there’s no investing and little evidence of any global footprint.
The New York address is the only link High West Capital Partners, LLC has to the US, and I understand it has been raided by the feds.
There is no real US office, but seemingly a presence in Florida and Miami, where I first met the one and only person I know for a fact exists, a young man called Chasen Nevett.
Here’s Chasen’s WhatsApp contact picture, as you can see, his face is obscured, and for good reason, he will be the scapegoat when the High West Capital Partners’ house of cards falls down.
Every time I traveled, expecting to meet Jim Locke, or Allison Zeledon, or one of the other agents, Chasen would call, make excuses for why the others were missing, and then direct my business.

Chasen Navett's social media profile picture.
I first met Chasen in a coffee shop in downtown Miami, where he let slip he was in town to meet two other High West Capital Partners agents. They went by the names Eric Disbrow, a realtor who is for some reason called “Joe” in his online reviews, and Daniel Giancola, who has sadly removed his LinkedIn profile picture since I started hitting it every day. Whether these are their real names, I have no idea.
I do know that Chasen also goes by the names Robert Klein and Gabriel Messorow. Those are the names he has on two passports (one British, one US) stashed in his drawer in the Singapore office that were found by an office representative of 8 Marina View, #43-01, Asia Square Tower 1, Singapore who had been spooked by a call from US federal prosecutors. I had to try and calm the man after turning up at the offices unannounced, as he began to shove paperwork at me; indictments, arrest warrants, asset seizure notices.

Federal Indictment issued for the two primary suspected ring leaders of the High West Capital Partners shell company
When I confronted Chasen, or Robert, or Gabriel, he got extremely nervous, and started mumbling about a guy called James Miceli, who I’ll come to shortly, Chasen did the classic move of excusing himself to go to the bathroom and ghosting.

United States Federal Indictment Warrant for the ringleaders of the High West Capital Partners scam
I never saw Chasen in person again, but we exchanged messages where necessary. Clients have told me he refuses to meet them too.
So, in summary, High West Capital Partners shares addresses in BVI, Singapore, Nevis, and Hong Kong with multiple shell companies because it is also in fact a shell company.
It does not have any employees and it is not traded on any exchange. It doesn’t make money nor provide customers with any kind of services. It exists purely to obscure the identity of the people behind the money and shields them from the eyes of US tax officials.
Taking High West Capital Partners to court won’t help; your money has been funnelled through one of their many tax haven offices and is long gone. That is if you even get a response when taking legal action, as High West Capital Partners’ US operation is just as much of a sham.
The stock loan fraud
Not too long after I began work it soon became clear the links to Asia that High West Capital Partners gassed about really only extended to using Look’s Securities Limited in Hong Kong to sell the pledged stock that clients were putting up as collateral. The problem, the borrower didn’t know this, as they had been promised their stocks wouldn’t be sold unless there was a default.
Look’s Securities was incorporated in August 2016, around the same time period where all the other bits of the puzzle fit together. Looks Securities is a sister to Look’s Asset Management, which is listed with Hong Kong’s securities regulator as offering securities advice since 2016 and has much the same management, including the same complaints officer who is the point of contact for regulatory issues.
It was set up to obscure the trail of sold stocks, which would be dumped on the Hong Kong or Singapore markets in Chinese.
Our clients were told High West Capital Partners may hedge some transactions in connection to minimize the risk of an increase or decrease in collateral value of the loan, but that was all lies. High West Capital Partners, via Look’s, sold the collateral, almost immediately, to fund the loan.
I would notify Chasen of a potential lead, and once the paperwork was signed, he would take over the handling of the collateral and bring Look’s into the picture. He said those were his “orders from above”, but I have no idea who was above him.
A borrower later shared that these loans were generally fixed, usually around three years. They had “lockout” provisions that stops the borrower from prepaying the loan until a specified period elapsed, usually twelve or eighteen months after the date of the agreement.
Borrowing against stock is a totally legitimate way for businesses to get operating capital or a boost of cash to grow - but when the company legitimately can’t get the stock back, especially when they’ve been promised it, a federal crime has been committed.
Hunting payments and the trail through the Hong Kong and Singapore stock exchanges proved near impossible for anyone who tried, and I did for a while.
The excuses from Look’s and Chasen as to what the hell happened were never-ending; Coronavirus, market volatility, the shorting of virus-hit stocks and the freezing of exchanges, riots in Hong Kong making it unsafe for staff, it was something new every day.
Two things happen when the transaction goes like that. One, a business makes interest payments every quarter to service the loan, only to find out after the debt is repaid that the stock is gone. Two, more likely, as I saw during my short time at High West Capital Partners, is this huge dumping of shares sparks a stock price collapse which triggers the ‘Margin Clauses’ buried in the contract, causing the borrower to default, crystalizing the fraud.
After a couple of, I presume now provisional, commissions on the back of deals I’d made, the money stopped coming, emails weren’t returned, and things turned really strange.
High West Capital Partners did not encourage me to visit any of their offices, and instead kept a shared Google drive of scripts and other sales documents. I saw a couple of names on the edits that overlapped with some stories I heard back in the day and started to do some digging.
It got to the point I had no contact with the company for four days, which is when I started poking around a bit more. They owed me $275,000 for a couple of trades, and they had gone quiet when it was time to pay. Calls and emails to Singapore, Nevis and Hong Kong went unanswered.
At this point, some clients were calling me in a rage, but there wasn’t much I could do; the truth is it had been dumped almost in order to fund the loans. I tried to direct some of them to Southpac and the High West Capital Partners LTD BVI office at Kingston Chambers, Town Road, VG1110, but then started getting emails from Chasen– who had been ignoring me until this point - warning me off. Did they have access to my email or something?
Argyll Equities, LLC., and Amerifund Capital Finance, LLC.
In typical half-assed High West Capital Partners fashion, some of the sales scripts and contracts on the share drive were not edited properly, and occasionally had the names Argyll Equities, LLC., and Amerifund Capital Finance, LLC inside the copy where High West or Look’s should have sat.
This was the clearest indicator the loan fraud scheme wasn’t just being executed in the exact same manner as the Argyll and Amerifund cases - it was being run by the same people.
Way back when, James T Miceli and Douglas McClain, Jr, operated Argyll Equities, and Jeffrey Spanier operated Amerifund Capital Finance LLC, the loan brokerage business which was often represented as the retail arm of Argyll.
Argyll was an institutional lender with big cash reserves that could be lent to corporate executives and other individuals. The shareholders would pressure Miceli, McClain and Spanier to push the loaned stock they had bought from clients towards Argyll, who sold it.
The FBI and SEC took the trio to court and secured convictions, despite some shaky evidence and
When the Argyll Equities thing blew up, Miceli killed himself protesting his innocence, unable to take what was happening. Jeffrey Spanier and Doug McClain had always said they were answering to people above them at Argyll and Amerifund Capital Finance, LLC. Spanier helped out the authorities from the start, his lawyers said, because he’d been acting on orders.
Everything pointed to the bosses of Argyll and Amerifund fleeing to Asia in late 2015 where they started the scam all over again. High West Capital Partners has no collateral, no cash reserves and no independent source of funding.
For Spanier and McClain, read Chasen, Giancola and Disbrow, whose name are on most of the contracts and will take the fall, whether they deserve it or not. For Argyll, read Look’s, which is dumping the stock in the Asian markets to ensure there is no trace of it.
High West Capital Partners activity
If you look at the performance of some companies today where High West Capital Partners are involved with stock loans, you’ll see the same patterns.
In July 2019, the CEO of tech firm ClearStar transferred 1,613,000 ordinary shares to High West as collateral for a loan in an off-market transaction. The announcement and press notices have no extra information or contact details for High West Capital Partners, and does not reference whether it is the New York, BV, or Singapore arm of the firm involved. Unlike the other players there are no contact details for High West Capital Partners or detail about their side of the transaction.

ClearStar INC, transfer of 1,613,000 shares to High West Capital Partners for Stock Loan.
ClearStar’s value has halved in that time and is still plummeting.

ClearStar price since entering into loan agreement with High West Capital Partners
In September 2017, a month after opening, High West Capital Partners, LLC entered into a share pledge agreement with Hattan Land Limited whereby 26,666,700 ordinary shares were transferred to an agent of High West.

Rule 728, Catalist Rules
Hattan Land’s share price is down 36% this year alone, and the company has lost 70% of its value since entering into an agreement with High West.

Hattan Land price since entering into agreement with High West Capital Partners
Note that this transaction took place in Singapore, but not through High West Capital Partners PTE. LTD of 8 Marina View #43-01, Asia Square Tower 1, Singapore but was handled by High West Capital Partners, LLC, of New York, the shell company with no assets.
High West boasts on its website of how its investment team “specializes in bespoke financing to achieve our clients objectives”, but there cannot be many companies out there who have the aim of losing millions and having their values slashed.
What do we know?
The exact same fraud perpetrated at Argyll Equities and Amerifund Capital Finance is being played out again by High West Capital Partners and Look’s Securities, by the individuals who were not jailed for the original crimes.
The High West Capital Partners executives Jim Locke, Daniel Ginacola, Eric Disbrow and Chasen Nevett are the subject of federal investigations over their fraudulent activities.
No client I spoke with, nor anyone else involved remotely has ever met anyone other than Chasen Nevett. Chasen himself has several identities, and it would not be a stretch to assume the others do too. The firm’s US process agent Allison Zeledon also has questions to answer, if she exists.
High West Capital Partners LTD, registered at Kingston Chambers, Town Road, VG1110, British Virgin Islands (BVI), is a shell company used to funnell ill-gotten gains from other ventures.
High West Capital Partners PTE. LTD of 8 Marina View, #43-01, Asia Square Tower 1, Singapore 018960 is another shell company used to route money out of Singapore in a manner that obscures the identities of the individuals behind the businesses.
High West Capital Partners, LLC of New York in 2017, at 91 Pantigo Road in East Hampton, is a shell company used to facilitate cross-border transactions and hide the identities of the individuals behind the scam.
These last few months, with the bills racking up and work slowing, have been brutal. Trying to get information out of High West is like nailing jello to the wall; I cannot do this by myself. I want the money they owe me $275,000, and I want the world to know what kind of company they are.
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2020.08.25 01:09 biggreekgeek Flatten the Curve. #52. Lance B Eliot. AI World Government President (Organization) Behind Lance? Oracle Solutions. S&P. Is Techbrium a Real Company? C3.ai Founder Claims We're at War With China Already. The WEF Great Reset & Prince Charles. Boom or Doom. It's Game On.

You have to read, Flatten the Curve, Part 51 first. Who is Lance B Eliot? Link Here
After posting the article about Lance B Eliot yesterday, another video popped up on YouTube. u/D4W50N88 found it and provided the link, and I'm glad he did (Thank you D4). Why didn't it show up for me? No idea. But it did, and now the enigma has become worse.
When I first stumbled onto this, I made a mistake. I went back through my notes and found that I had wrongly attributed the Lance persona as the judge sitting to the left of what was Lance at the table. How did I screw up that bad? I'm human. (No seriously, I'm human. I'm not AI. I'm not NSA. CIA. I don't have any affiliations to any Alphabet agencies. I am what I am. And what is that? A guy who grew up with an extremely skeptical father who always called BS on the news and political events, and tried to make me understand that it was self interest, not altruism, that guided the world around us. That will be expanded on at some point down the road.) I make mistakes. It's not the first time and it won't be the last. But sometimes mistakes happen for a reason.
This is one of those times.
So I watched the second YouTube video of Lance that was provided here;
I'm not sure if he's exactly an AI, seems to be a real person going off this video -
Really quick summary, he doesn't say diddly squat. Anyone could have regurgitated lvl 5 autonomous cars and insurance rates. My statement doesn't prove anything though. I realize that. But let me ask you something, He's been on CNN, he's written a ton of books, he's an angel investor, a venture capitalist, CEO of Techbrium, and not one other picture or (so far) any other videos of him exist? We're living in an age of near omnipresent and approaching omnipotent surveillance, they are screwing with DNA, the government has acknowledged UFO's, phenomenon like the Hum and Sky Quakes are being reported worldwide, we live in a pandemic for which we will need never ending vaccinations, so is it really out of the realm of reason that Lance could be an actor? I've looked for research papers from him and I've found maybe three to four. None of them are overly technical and mainly deal with AI and the law and ethics. That's strange. But before we dive further, I will concede the possibility that there is a Lance B Eliot, but I'm adamant that the articles and books are written by AI. No doubt in my mind, and by the time this post is done, you'll wonder what's really going on as well.
Let's start with his name. Something about it grabbed my attention, as it did for others. I can't speak for them, but I remember just looking at it suddenly thinking, is that an anagram?
u/agelesseverytime • Lance B Eliot is an anagram for antebellico - prewar.
u/WhiteRabbitCaveCA also sent me the same anagram.
Hidden in plain sight. But it's still a chess game. Your moves have to be deceptive and you need to look ahead a minimum of three moves. And all moves have multiple moves. Does this mean that the anagram doesn't apply? No. It does. And it points to the ability of having meaning hidden in meaning, all in the open.
Now I will caution you, this post will be somewhat open-ended. I haven't been able to find anything definitive that could point to a possible origin of what I believe to be Lance B Eliot, yet those breadcrumbs do lead to loaves of bread, so to speak.
So when I was sent the other YouTube link with Lance as a speaker, I looked around the web again. I had already found what I thought was a very strong link, but now the video threw a monkey wrench into my plans.
This is what else I found when I Googled articles by Lance B Eliot. Eliot Weinman, executive editor of AI Trends, where AI Eliot seems to get published a lot. Relax, it's not just the name coincidence. It's also this:
Curiosity as a Core Cognitive Capability for Self-Driving Cars. By Eliot Weinman. aitrends.com — By Dr. Lance B. Eliot, the AI Trends Insider. • I live in a gated community that has a main gate for residents and guests, and provides an impressive driving entrance into the neighborhood that displays ornate iron gates and a spectacular water-sprouting fountain. There is a secondary gate at the back of the community.
And then.
President Trump Will Sign an Executive Order Promoting AI. By Eliot Weinman • aitrends.com — President Trump is expected to sign an executive order on Monday meant to spur the development and regulation of artificial intelligence, technology that many experts believe will define the future of everything from consumer products to health care to warfare.
Source Here
There is another example there, but this will suffice. So why is Lance B Eliot being headlined by Eliot Weinman? Doesn't make sense, does it? And what is muckrack.com?
Say hello to your one-stop, relationship-building platform and goodbye to outdated media databases: Muck Rack’s search engine lets you discover and pitch relevant journalists in a much more targeted way than legacy media databases.
Ok. Now usually top ranking scientists don't belong to an organization that is meant to find journalists paying work. Why would they? And why would a guy who has started multiple companies, is a CEO of Techbrium - and speaking of which, check out the website, powered by godaddy? Seriously? It doesn’t list any employees, no detailed company history, and while it does have job openings, it seems off. So I Googled mapped Techbrium, and guess what, no results found. Ok. Gotcha. Must be the New Normal GPS malfunctioning, right? SMH.
Back to Eliot Weinman. Let me show you what he belongs to: Founder and Conference Chair, AI World & AI World Government (brought to you by the Cambridge Institute). Uhm. Keep Calm and Carry On? Don't Worry be Happy? And, Eliot Weinman is the GM and Founder at Cambridge Innovation Institute. Also, Eliot Weinman has had 1 past job as the President, Events and Publishing at Yankee Group. And. Research firm Yankee Group has acquired digital media and technology research and events firm Trendsmedia. The acquisition will “accelerate Yankee’s growth and expand its reach in global connectivity issues, helping network builders, operators and users navigate revolutionary change”, whatever that means. And when I clicked on trendsmedia, it led me to a clickfunnel company. And when I clicked on Yankees group, it was owned by 451 Research, which is owned by S&P Global Inc. (prior to April 2016 McGraw Hill Financial, Inc., and prior to 2013 McGraw-Hill Companies) is an American publicly traded corporation headquartered in Manhattan, New York City. Its primary areas of business are financial information and analytics. It is the parent company of S&P Global Ratings, S&P Global Market Intelligence, and S&P Global Platts, CRISIL, and is the majority owner of the S&P Dow Jones Indices joint venture. "S&P" is a shortening of "Standard and Poor's". Cool, right. Now what? Glad you asked. S&P is into four different segments.
S&P Global RatingsEdit • S&P Global Ratings provides independent investment research including ratings on various investment instruments.
S&P Global Market IntelligenceEdit • S&P Global Market Intelligence is a provider of multi-asset class and real-time data, research, news and analytics to institutional investors, investment and commercial banks, investment advisors and wealth managers, corporations, and universities. Subsidiaries include Leveraged Commentary & Data.
S&P Dow Jones IndicesEdit • Launched on July 2, 2012, S&P Dow Jones Indices is the world's largest global resource for index-based concepts, data, and research. It produces the S&P 500 and the Dow Jones Industrial Average.[20][21] S&P Dow Jones Indices calculates over 830,000 indices, publishes benchmarks that provide the basis for 575 ETFs globally with $387 billion in assets invested, and serves as the DNA for $1.5 trillion of the world's indexed assets.
S&P Global PlattsEdit • Headquartered in London, S&P Global Platts is a provider of information and a source of benchmark price assessments for the commodities, energy, petrochemicals, metals, and agriculture markets. It has offices in more than 15 cities, including major energy centres such as London, Dubai, Singapore, and Houston, and international business centres such as São Paulo, Shanghai, and New York City.
Ok. So what? So this. The McGraws and the George W. Bush family have close ties dating back several generations. Harold McGraw Jr. (deceased) was a member of the national grant advisory and founding board of the Barbara Bush Foundation for Family Literacy. Source Here
And who is the President and chief executive officer of S&P? Douglas L. Peterson. And what else does he do? Peterson is co-chair of the Bipartisan Policy Centers’ Executive Council on Infrastructure, and advocates for public-private sector partnerships as a means of improving infrastructure in the US.[23] For the World Economic Forum, Peterson is Co-Chair of the Stewardship Board of the Platform for Shaping the Future of Cities, Infrastructure and Urban Services; a Member of the International Business Council; and Governor of the Financial Services Industry Community. Peterson is also a boardmember of National Bureau of Economic Research, and the US-China Business Council. Peterson is a member of the Council on Foreign Relations and the Federal Deposit Insurance Corporation's Systemic Resolution Advisory Committee.
Basically a Conspiracy Theorist's Doomscrolling dream job, am I right?
WEF • Who are behind the Great Reset (later post coming soon), and to quote Prince Charles speaking (virtually, of course SMH) at the World Economic Forum, "We have a golden opportunity to seize something good from this crisis - its unprecedented shockwaves may well make people more receptive to big visions of change," said Prince Charles at the meeting, adding later, "It is an opportunity we have never had before and may never have again." Source Here
Great. Perfect. Crisis. Reaction. Solution.
CFR • The Council on Foreign Relations (CFR), founded in 1921, is a United States nonprofit think tank specializing in U.S. foreign policy and international affairs. It is headquartered in New York City, with an additional office in Washington, D.C. Its membership, which numbers 4,900, has included senior politicians, more than a dozen secretaries of state, CIA directors, bankers, lawyers, professors, and senior media figures. Currently it has, • David M. Rubenstein (Chairman) – Cofounder and Co-Chief Executive Officer, The Carlyle Group. • Jami Miscik (Vice Chairman) She currently serves on the boards of EMC Corporation, In-Q-Tel and the American Ditchley Foundation, and is a member of the President's Intelligence Advisory Board. Before entering the private sector, she had a twenty-year career as an intelligence officer, including a stint as the Central Intelligence Agency's Deputy Director for Intelligence (2002–2005), and as the Director for Intelligence Programs at the National Security Council (1995–1996). • Thad W. Allen − Senior Executive Advisor, Booz Allen Hamilton Inc. • Laurence D. Fink – Chairman and Chief Executive Officer BlackRock. There are more, but you get it. And let's just top it off with, CFR has published the bi-monthly journal Foreign Affairs since 1922, and runs the David Rockefeller Studies Program, which influences foreign policy by making recommendations to the presidential administration and diplomatic community, testifying before Congress, interacting with the media, and publishing on foreign policy issues.
And you may have noticed the Federal Deposit Insurance Corporation, which insures banks from going bankrupt. Yikes. Hopefully we don't have a cybersecurity attack on our banking systems. Maybe we should use Coalfire?
OK, are you confused, me too. Let's recap.

BGG RECAP!

Lance B Eliot shares article ownership with Eliot Weinman on muckrack.com, which was published on AI Trends. Eliot Weinman is the executive director AI World and AI World Government. Trends Media was also bought by the Yankees Group, where Eliot Weinman is the President. And when I clicked on the Yankess group, it was owned by 451 Research, which was owned by S&P, which was started by friends of George Bush, who belonged to the Carlyle Group, which has a co-executive on the CFR, and Douglas Peterson is a member of the CFR and the WEF, while aslo running S&P.
Simple, right. Now, remember two things, Eliot Weinman seems to be associated with Lance B Eliot, and Lance is constantly produces articles about AI and business, while S&P has is all about business. Let's go.

Lance the Prequel.

So when I first found Lance, I started to ponder different anagrams. Why? Well, his last name. One guy who works for me is named Elliot, and Eliot stood out for the different spelling. After repeating a mantra of Eliot for a while, I stopped.
Eliot. ElIOT. elIoT. IoT. Internet of Things. It had to be me looking for a pattern. HAD TO BE. Then I looked at the name again. The end was possible, so I looked at his first name. I repeated the same mantra, letting my unconscious do the work. And sure enough, it hit me again. Lance. LANce. LAN. Local Area Network. No. Effing. Way. Come on. LAN + IoT = Local Area Network of Internet of Things. Ok. It adds up. Makes sense. I don't know how, but it does. Yet that still left me with the rest of his name.
CEBEL. Whelp, the mantra didn't help, it was time to dig. And dig I did. And found nothing. Well a couple of things, and one I thought that I was stretching logic too far, and the other, maybe not. Because it led me to OMG’s Artificial Intelligence Platform Task Force. A co-chair was Claude Baudoin, who has a company called cébé IT & Knowledge Management. And I almost went with it, and then something said NO. It was a gut feeling that I was wrong. There was no L in the company name. So I started digging all over again. And it wasn't easy. It took forever. It didn’t make sense. At all. I couldn't find anything that was an exact match. And then I saw this.
Thomas Siebel's software company C3IoT raised about $100 million from private equity investors in January 2018, at a $1.5 billion valuation. Today, C3.ai is focused on enterprise AI, but it started as a clean energy firm. It was briefly named C3IoT in 2016 to chase the IoT market. Siebel was a salesman at Oracle. He left in 1990, built software firm Siebel Systems and sold it to Oracle for $5.8 billion in cash and stock in 2006. Forbes
And he was attacked by an Elephant.
(DID YOU KNOW. Siebel was attacked by an elephant on a 2009 safari trip in Serengeti; he barely escaped death and has undergone 19 reconstructive surgeries. Maybe the animal kingdom was defending the planet?)
It was briefly named C3IoT. But the first program was sold to Oracle and • Oracle Siebel CRM is a sales force automation (SFA) and customer relationship management solution designed to assist enterprises to manage their customer experiences. It includes a range of sales, marketing and customer service applications tailored to various industries • focuses on businesses. Much like a lot of Lances articles. And Thomas Siebel's software • C3.ai is a leading enterprise AI software provider for accelerating digital transformation. The proven C3 AI Suite provides comprehensive services to build enterprise-scale AI applications more efficiently and cost-effectively than alternative approaches • advances AI to accelerate digital transformation, just like AI World Government, which is owned by Eliot Weinman. Is Cebel a play on Siebel? It sure seems like it to me.
And Thomas also has this to say.
High: What inning of the game do you believe we are in from an AI perspective, and how is that likely to develop going forward? Siebel: Julius Caesar considered Gaul as being divided into three parts, and I believe AI is divided into three parts.
1• Artificial general intelligence, which includes projects such as Google DeepMind. Here, the attempt is to build computers that have equal or greater intelligence as human beings. This gets to the malicious killer robots and the refrigerator that takes over your household theory, but I do not believe we need to worry about that in our lifetimes;
2• Social media systems. Here, social media vendors are using AI extremely effectively to manipulate people at the level of the limbic brain. I believe this is malevolent, and what we are seeing in social media is concerning. People are acting as servers to the computer instead of the opposite;
3• The application of AI to commercial, industrial, and government systems, which is where we play at C3.ai. This is building prediction to identify fraud, efficiency to the supply chain, and predictive maintenance for devices in the digital oilfields, the smart grid, the manufacturing industry, agricultural equipment, and precision health. This is about using AI to lower the cost of production and to deliver products and services with greater safety, with greater cybersecurity, and with lower environmental impact.
Hmmm. It's starting to sound like my posts, isn't it? Yet he's not worried about killer robots, yet social media manipulation, that's a problem. But I can bet you all the tea that's left in China, those words shouldn't be taken at Facebook value.
High: You have referred to there being a war with China based on artificial intelligence, and you have referenced how Vladimir Putin said the country that wins in AI will ultimately win in the world. As a citizen of the U.S., what do you think about this? How optimistic are you about the state’s ability to lead and the extent to which it is appropriate language? Siebel: This is a crucial topic. As you mentioned, in 2017, Vladimir Putin said, “Whoever wins the war in AI will be the ruler of the world.” I believe that is true, but I do not believe Russia will win. It is either going to be China or the U.S. I believe we are currently in a state of non-kinetic warfare with China. It is well-documented how great Russia and China are at infiltrating our power grid infrastructure, infiltrating our financial system infrastructure, and implanting viruses, bots, and malware so they can remotely turn off the grid. There are well-documented incidents where the Chinese have penetrated, say, the United States Office of Personnel Management and stolen the personnel records of up to 21 million people. This includes anyone who has ever applied for or been granted a security clearance. If this is not war, what is it? If you read the 13th five-year plan, it is extremely clear what they are doing. They are investing tens of billions of dollars a year in AI to win this battle and to dominate the use of AI for the purposes of defense and conducting warfare. In many ways, this is a test of two fundamentally opposed political philosophies. In the case of China, there is a totalitarian state with a top-down command and control economy where the NRDC writes the 13th five-year plan, invests billions of dollars, and mandates that this happens. They are extremely bright, competent, and educated, and they are hard at work. In the United States, we have a much messier process with a free-market economy and a capitalist system. Innovation does not take place from a top-down command and control government-mandated system, but in garages in Palo Alto and storefronts in theNew York. I do not know which system is going to win, but this is going to be the ultimate test of these political philosophies. This is not a war we want to lose, the stakes could not be higher, and it is game on.
And then.
High: What role do you see the government playing in all this versus private industries, and how do you see the balance between the two? Siebel: The people who work in the Pentagon are exceptionally bright and well educated. These scholar statesman warriors are not asleep at the switch, and they are adopting AI in many ways to prove the efficiency of the Department of Defense. As it relates to AI, the U.S. is going to advance through a free market economy, entrepreneurship, and through the creativity of individuals who are unbridled by the constraints of the stage. This system has always worked out for us in the past, and hopefully, it will continue to. If it does not, we are going to have a problem. Source Here
Game on. If it doesn't work, there's a problem, because we're in a war with China, and the Pentagon states that the war will be fought in abrupt climate change which will cause drought and famine in China. And I've said it before, but the social discord and the riots, will be blamed on Russia and/or China. And maybe they are to blame. Who knows, because we have to trust our New Normal World Order narrative as it's filtered with fact checks and fake news, while the surveillance system makes sure we are safe from physical threats through AI data mining, and incorporating AI through the Great Reset, which apparently China has to get on board with. Uhm, and people are having a hard time believing that our world is about to get turned upside down? Really? Has the desensitization been that effective that everyone is numb? Short answer, pretty much.

BGG Final Words

NEW YORK (PRWEB) JANUARY 11, 2018 • Though various forms of artificial intelligence and machine learning have existed for nearly 60 years, it is only recently that this field of computing has developed to a level of accessibility that truly allows businesses to leverage this innovative technology. There are no blanket solutions in technological transformations. Artificial intelligence is no exception. Mediaplanet’s Cognitive Technology campaign, created in partnership with Melinda Gates, the World Economic Forum and Microsoft, will serve as an educational guidebook for business leaders to understand how to obtain the maximum benefits from cognitive technologies within their market —using artificial intelligence to improve employee workflow and efficiency, reshape customer experiences and take risk and fraud protection to the next level. This program was made possible with the support of Melinda Gates, the World Economic Forum’s Center for the Fourth Industrial Revolution, Microsoft, the National Security Agency, the National Retail Federation, Eliot Weinman, the Cognitive Computing Consortium, SCIP, AMT, HSBC, Forgerock, Feedzai, LogMeIn, Cognicor, Omron, The Nerdery and The Savo Group. Source Here
Hey! Look, NSA, Melinda "I hoarded food in my basement because I know how privileged we are" Gates, WEF, and Eliot Weinman. And his AI World Government did this press release.
According to Nguyen Anh Tuan, CEO of the Boston Global Forum (BGF), “We have been collaborating with Mr. Weinman and his team at AI World throughout 2018 to support the event as an International Host. We have several activities already underway at AI World 2018, and will continue our strategic alliance for all AI World 2019 events. We will present an AI-Government model at AI World Government.” Source Here
Do you want Skynet Eliot, cause this is how you get Skynet.
But maybe I'm suffering mass psychogenic delusions from Doomscrolling looking for mass surveillance examples and an upcoming war before environmental collapse. Maybe? Possible? Let's look and see if I'm justified in my paranoia.
Lance B Eliot • Neanderthal and AI. Source HereCould the acrimonious polarization in society today be simply due to chance alone, or might we be divided amongst ourselves by inherited Neanderthal DNA that has been triggered in recent times? Let’s hope that we can find a means to overcome the polarization, else we might become an extinct species and then, down the road, perhaps some surviving all-knowing AI might look back one day and snicker that we were ultimately and unknowingly doomed by our Neanderthal forerunners.
You're gonna trigger me, you AI loving Neanderthal monster. Doesn't that sound crazy? Read the article and then tell me that it was written by a human (not that anyone has, it's just a figure of speech).
May 21, 2016 • As you can see, it seems like we managed to avert what could have been a massive economic crisis in the 2008-2009 time frame, and entered into what Mohamed in his 2010 Per Jacobsson lecture referred to as the “new normal” (now widely popularized). We have been somewhat languishing in this new normal and are seemingly trying to just keep ourselves in the new normal, sometimes now referred to as the new new normal. Believing that we are nearing the T-junction, the Figure 1 shows that we are upon a pivot point, perhaps in just the next 2-3 years, and will then swing either toward the boom or the doom, of which the Mohamed as odds-maker suggests are equally likely (50/50 chance). Source Here
Pivot? Boom or Doom? Thank God we don't have any pivots happening.
Obama, 2012, Pivot to Asia • There has been strong perception from China that all of these are part of US' China containment policy.[4] Proponents of this theory claim that the United States needs a weak, divided China to continue its hegemony in Asia. This is accomplished, the theory claims, by the United States establishing military, economic, and diplomatic ties with countries adjacent to China's borders.
Aw crap. Pandemic. The Great Reset. Fourth Industrial Revolution. World Economic Forum. AI World Government. Pivot. Boom or Doom. Pivot to Asia.
All good. Keep Calm and Carry On. There is nothing to fear, but fear itself, and environmental collapse, WW3, AI, Killer Robots, Big Brother, Pandemic, Economic Collapse, Asteroids,1. Magnetic Field Weakening, Famine, and Animal Mass Mortality Events. It's game on. Boom or Doom time. Cats and Dogs living together. Neanderthals worshipping AI. All the worst parts out of the Bible, except we don't get turned to salt. I hope. 2020 isn't over yet. And it probably won't be over in 2021, or 2023, or, 2030. After all, the agenda runs until 2030, doesn’t it?
So is Thomas Siebel and Oracle Siebel Systems supposed to be a homonym for Cebel? Is Eliot Weinman involved somehow, or is it just a coincidence. Is Lance B Eliot gonna be AI President of the Techncracy? Just keep paying attention and stay aware. We might not what is happening, but we know something is, and possibly hidden actors involved in all of it.
Heads up and eyes open. This hasn't even started yet. Talk soon and take care.
1. Trust me, u/arctic-gold-digger was right on the money about space rocks, and I'll show you why in a few posts. And also, thanks to u/WhiteRabbitCaveCA as well as u/UFOS-ARE-DEMONIC The extra dots being connected were a massive help.
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2020.08.17 23:44 noentic Unusual Option Activity for Aug-17-2020 - GRWG, TDOC, SE (C), ENPH (C)

As always you can find the rest of the UOA and Market Summary at www.noeticoptions.com
Context -
The S&P 500 increased 0.3% but came up short yet again of a record close. The Nasdaq Composite, closed at a new record high with a 1.0% gain.
Investors leaned defensively amid perceived growth concerns attributed to increased U.S.-China tensions, a lack of progress in coronavirus relief talks, and Warren Buffett's Berkshire Hathaway (BRK.B 206.78, -4.18, -2.0%) reducing positions in several bank stocks.
The S&P 500 consumer discretionary (+1.2%), real estate (+0.9%), information technology (+0.7%), and health care (+0.6%) sectors assumed today's leadership for their exposure to the mega-caps and stable businesses.
Gold prices gained 2.4% to $1996.80/ozt, and longer-dated Treasuries saw an uptick in demand.
The financials (-1.5%), energy (-0.6%), industrials (-0.5%), and utilities (-0.1%) sectors returned to their usual ways this year by closing in negative territory.
Sentiment in the financial sector was pressured after a 13F filing revealed Berkshire Hathaway decreased positions in JPMorgan Chase (JPM 99.71, -2.70, -2.6%) and Wells Fargo (WFC 24.47, -0.83, -3.3%) in the second quarter. Notably, Berkshire added a new position in Barrick Gold (GOLD 30.13, +3.14, +11.6%).
In U.S.-China news, the U.S. further restricted Huawei's access to U.S. chip technology, and President Trump signed a second executive order requiring TikTok to divest its U.S. operations in 90 days. President Trump also suggested there could still be actions against other Chinese companies, including Alibaba (BABA 256.96, +2.99, +1.2%).
In the mega-cap space, NVIDIA (NVDA 493.48, +30.92, +6.7%), Home Depot (HD 288.24, +7.69, +2.7%), and Walmart (WMT 135.60, +3.00, +2.3%) rallied to fresh all-time highs ahead of their earnings reports this week. Tesla (TSLA 1835.64, +184.93, +11.2%) also climbed to new highs with an 11% gain.
U.S. Treasuries, as previously noted, had a decent outing, particularly on the longer-end of the curve. The 2-yr yield increased two basis points to 0.15%, while the 10-yr yield declined three basis points to 0.68%. The U.S. Dollar Index declined 0.3% to 92.81. WTI crude futures gained 2.2%, or $0.89, to $42.94/bbl.
Looking ahead, investors will receive Housing Starts and Building Permits for July on Tuesday.
Index Summary -
S&P 500 +0.32%; Nasdaq +1.16%;
DOW -0.3%; Russell 2000 +0.52%
VIX: 21.35 -0.7,( -3.17%)
Sector Summary -
The three highest sectors for today were :
Consumer Discretionary +1.29%; Real Estate +0.89%; Information Technology +0.67%;
The three lowest sectors for today were :
Financials -1.67%; Energy -0.58%; Industrials -0.46%;
Commodities -
Gold - 1963.4,( +0.7%); Crude - 41.89,( -0.29%)
Today’s Option Activity Fast Facts -
CBOE Put/Call Ratio - 0.54
Highest Multiple Over Daily Average - CPRI with 13 x the ADV of 3042. There were 845 calls and 37488 puts.
Ticker with Most Contracts - WMT with 419580 contracts traded today with an AVD of 102979. There were 323848 calls and 95732 puts.
Largest Put / Call Ratio - CPRI with a 44.36 P/C ratio. There were 37488 puts and 845 calls.
Largest Call / Put Ratio - VSTO with a 29.18 C/P ratio. There were 10447 calls and 358 puts.
\Stocks must be >$6, Highest Multiple must have >1k ADV, Largest ratios must have an option volume >10k*
Recap -
ZM 266.28 +21.37,(+8.73%)
PSTG 15.97 +0.01,(+0.06%)
BLDR 30.025 -0.245,( -0.81%)
You can find yesterday's post here.
MOMENTUM UNUSUAL OPTION ACTIVITY -
First Momentum Stock Pick -
Ticker : GRWG 16.13 +2.89,(+21.83%) Earnings : 2020-11-16
Name : GrowGeneration Corp.
Industry : Wholesale Distributors, Sector : Distribution Services
Special Considerations : 52WkHigh
Option Information -
Today’s Option Volume: 41322, OptionOI: 31304
Multiple of ADV: 12, ADV: 3590
Total Calls: 36514, Total Puts: 4808
Calls at Ask: 41.8%, Calls at Bid: 38.5%
Puts at Ask: 50.3%, Puts at Bid: 32.8%
C/P Ratio: 7.6
Notable Strikes :
AUG 21 '20 15.0 C had 4792 VLM and 458 OI.
AUG 21 '20 17.5 C had 4168 VLM and 144 OI.
SEP 18 '20 15.0 C had 5378 VLM and 3711 OI.
SEP 18 '20 17.5 C had 4200 VLM and 653 OI.
News :
2020-08-14 20:54:55.807000 - GrowGeneration (GRWG)Hydroponic Equipment Supplier; What The Hell Does That Mean and Is It Worth…
“We carry and sell thousands of products, from organic nutrients, soils, advanced lighting technology, to state-of-the-art hydroponic equipment used by commercial and home growers. Additionally, we…
2020-08-14 18:11:28 - The Week In Cannabis: Stocks Up, Big Earnings Reports, And Funding Rounds
This was a busy week for the cannabis public markets, with several major companies reporting their quarterly results. Canopy Growth Corp. (NYSE: CGC ) (TSX: WEED) said its net revenue rose by 22% year over year, reaching CA$110 million (US$82 million), in the first quarter of fiscal 2021. Following the results, Cantor Fitzgerald analyst Pablo Zuanic reiterated a Neutral rating on the stock, while raising the price target from CA$ 25.50 ($19.11) to CA$ 27.50. While the company delivered a sales beat for the first quarter, this was against conservative guidance and its B2B (business-to-business) sales growth lagged the industry, Zuanic said in the note. Tilray (NASDAQ: TLRY ) reported quarterly losses of $(0.66) per share, missing the analyst consensus estimate of $(0.27). The company reported quarterly sales of $50.40 million, falling short of consensus by 8.4 percent. Zuanic maintained a Neutral rating, but lowered his price target from $8 to $7.9. “Despite some of the major cannabis companies posting healthy revenue numbers, these businesses continue to operate with heavy losses.
Potential Sympathy Stocks for GRWG
TSCO, NTR-CT, GWON, GRWG
My Impression :
This stock is seeing a rise related to the likely hood of Marijuana legalization. They sell hydroponic equipment and which will benefit from increased Marijuana production. The stock rose significantly today. I’ll be watching for a pull back and then sell puts around the .30-45 delta. The IV should remain high. I would not mind owning this stock going into the election cycle.
Second Momentum Stock Pick -
Ticker : TDOC 205.02 +17.52,(+9.34%) Earnings : 2020-10-28
Name : Teladoc Health, Inc.
Industry : Hospital/Nursing Management, Sector : Health Services
Option Information -
Today’s Option Volume: 56628, OptionOI: 145464
Multiple of ADV: 2, ADV: 25135
Total Calls: 44052, Total Puts: 12576
Calls at Ask: 46.8%, Calls at Bid: 31.6%
Puts at Ask: 22.9%, Puts at Bid: 32.1%
C/P Ratio: 3.5
Notable Strikes :
AUG 21 '20 200.0 C had 5761.0 VLM and 4434 OI.
AUG 21 '20 205.0 C had 6105.0 VLM and 640 OI.
OCT 16 '20 250.0 C had 1139 VLM and 2671 OI.
News :
2020-08-17 14:09 - Why Teladoc and Livongo Stocks Jumped Today The Motley Fool
The healthcare companies' merger could create a digital health titan.
2020-08-17 13:59:57 - 7 Reasons Why This Teladoc Health Analyst Is Turning Bullish
Teladoc Health Inc’s (NYSE: TDOC ) pro-forma revenue growth and synergy targets appear achievable, according to Credit Suisse. The Teladoc Health Analyst: Jailendra Singh upgraded Teladoc Health from Neutral to Outperform with a price target lifted from $225 to $249. The Teladoc Health Takeaways: The company formed by the merger of Teladoc Health and Livongo Health Inc (NASDAQ: LVGO ) could generate annual revenue of around $5 billion, with annual EBITDA of about $1.1 billion in 2025, Singh said in the upgrade note. The analyst named seven factors that are driving the upgrade: The combination of Teladoc and Livongo creates a … Full story available on Benzinga.com
Potential Sympathy Stocks for TDOC
CYH, HCA, UHS, CSU
My Impression :
I am bullish on this stock. Telemedicine is here to stay and can easily take a significant bite out of Urgent Care clientele. Additionally, it had a significant pull back after announcing the Livongo merger. It’s previous high before the merger was 250. I would look for it to return to these highs over the next year.
CLASSIC UNUSUAL OPTION ACTIVITY -
First Classic UOA Stock Pick -
Ticker : SE 134.28 +7.78,(+6.15%), Earnings : 2020-08-18
Name : Sea Ltd. (Singapore)
Sector : Technology Services, Industry : Internet Software/Services
Option Information :
2020-08-21 144.0 C - 650 @ 3.15 were traded at 13:27 as a BLOCK Spot Price: 132.1
2020-08-21 144.0 C - 650 @ 3.25 were traded at 12:27 as a BLOCK Spot Price: 131.89
News :
No significant news for SE.
Potential Sympathy Stocks for SE
WMB, EPD, ENB, SRE
Second Classic UOA Stock Pick -
Ticker : ENPH 75.04 +1.88,(+2.57%), Earnings : 2020-11-10
Name : Enphase Energy, Inc.
Sector : Electronic Technology, Industry : Semiconductors
Option Information :
2020-09-18 90.0 C - 913 @ 1.99 were traded at 14:36 as a SWEEP Spot Price: 75.03
News :
2020-08-12 07:55 - Unusual Options Activity Insight: Enphase Energy
https://cloud.iexapis.com/v1/news/article/7ec000b8-3a83-47ff-a3f1-30a6a14e3906
Shares of Enphase Energy (NASDAQ: ENPH) saw some unusual options activity on Wednesday. Following the unusual option alert, the stock price moved up to …
2020-08-10 11:21 - Generac, the Backup Generator Giant, Launches Souped-Up Home Solar-Storage System
Solar-battery systems may be useful for providing backup power during power outages. But many of the systems on the market today don’t pack enough punch to start up power-hungry air conditioner or pumps, or store enough power to run an entire home’s electricity load for more than a handful of hours at a time. That’s how Generac Power Systems sees it, at least. Since its entry into the solar-storage market last fall, the U.S. natural gas backup generator giant has focused on systems with extra oomph, compared to competitors like Tesla, Sunrun and LG Chem. While that extra power and capacity has come at a higher cost, Generac has been dropping prices to match competing systems in recent months, analysts say. On Monday, Generac unveiled the latest version of its “whole-home solar power solution," which includes a revamped PWRCell battery with more power and capacity than before, along with technology to simplify its off-grid operations and maximize its backup potential at the household circuit level.
Potential Sympathy Stocks for ENPH
FSLR, ASTI, SPWR, ABB
Upcoming Events for Next Trading Day -
Here you can find a full list of tomorrow's events with explanations.
Thanks for reading.
DISCLAIMER – These are my observations that I have made at the end of each day and trades that I am considering placing or watching. I am not responsible for your financial losses if you follow any of these trades. As always, do your due diligence.
Company Summary : GRWG
GrowGeneration Corp. engages in the retail of hydroponic and organic specialty gardening products. It offers lighting fixtures, nutrients, seeds and growing media systems, trays, fans, filters, humidifiers and dehumidifiers, timers, instruments, water pumps, irrigation supplies, and hand tools. The company was founded by Darren Lampert and Michael Salaman on March 6, 2014 and is headquartered in Denver, CO.
Company Summary : TDOC
Teladoc Health, Inc. engages in the provision of telehealthcare services using a technology platform via mobile devices, the Internet, video and phone. Its portfolio of services and solutions covers medical subspecialties from non-urgent, episodic needs like flu and upper respiratory infections, to chronic, complicated medical conditions like cancer and congestive heart failure. The company was founded on June 13, 2002 by George Byron Brooks and is headquartered in Purchase, NY.
Company Summary : SE
Sea Ltd. (Singapore) is an internet and mobile platform company. The firm engages in the provision of online gaming services. It operates through the following segments: Digital Entertainment, E-Commerce and Digital Financial Services. The Digital Entertainment segment offers access to game-related content through game forums, group voice chat, live streaming, and other user socializing functions on the Garena mobile app and desktop application. The E-Commerce segment manages third-party marketplace through Shopee mobile app and websites that connects buyers and sellers. The Digital Financial Services segment includes financial services to individuals and businesses, including e-wallet and payment services through the AirPay mobile app and AirPay counter applications on mobile phones or computers. The company was founded by Xiao Dong Li, Gang Ye and Jing Ye Chen on May 8, 2009 and is headquartered in Singapore.
Company Summary : ENPH
Enphase Energy, Inc. engages in the design, development, manufacture, and sale of microinverter systems for the solar photovoltaic industry. Its products include IQ 7 Microinverter Series, IQ Battery, IQ Envoy, IQ Microinverter Accessories, IQ Envoy Accessories, and Enlighten & Apps. The company was founded by Raghuveer R. Belur and Martin Fornage in March 2006 and is headquartered in Fremont, CA.
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2020.07.27 17:32 pahohi1327JJul Christian Harmony Da-ting Si-te

Christian Harmony Da-ting Si-te
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https://preview.redd.it/v20i8w96qdd51.jpg?width=271&format=pjpg&auto=webp&s=357812e6b83502e17890bcb0d9b0142889e27045
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2020.07.22 20:38 Naijabitch A better article about the fake social media followers and why the police wants to question some stars

A commenter on the other article posted this. Link to article: https://indianexpress.com/article/explained/explained-the-business-of-fake-social-media-accounts-revealed-in-mumbai-arrest-6512175/
Explained: The business of fake social media accounts, revealed in Mumbai arrest What happened when singer Bhoomi Trivedi discovered a fake profile being run in her name? What are the contours of rackets such as these, and how do the police intend to tackle the investigation?
The Mumbai Police earlier this week arrested a 20-year-old man for allegedly creating a fake profile of Bollywood playback singer Bhoomi Trivedi. The interrogation of the accused Abhishek Daude revealed that there are several such companies that sell followers and ‘likes’ on social media. Mumbai Police have now decided to widen the scope of the investigation, and will probe what they are calling the “social media marketing influencers fraud”.
What led to the police to this alleged fraud? Purported chat logs of a fake Instagram account created under the name of Bhoomi Trivedi that purported to show her in apparent negotiations for purchasing fake followers were allegedly used by Daude to lure more people to purchase followers. When Trivedi found out about the alleged racket being run in her name, she approached the Mumbai Police Commissioner, and an offence was registered. The police then arrested Kurla resident Daude.
What emerged in the investigation? According to police, it has revealed during investigation that Daude is part of a racket to create crores of fake identities on various social media platforms, and thereby produce fake performance statistics such as followers, comments, and views — all fake. The idea was to allegedly to inflate the performance statistics of ‘influencers’. Daude had created more than 5 lakh fake followers for a total of 176 profiles on Instagram, TikTok, and Facebook, etc., in order to fraudulently project these profiles as those of ‘influencers’. Is the fake followers industry big on the Internet? Research by Swedish e-commerce start-up A Good Company and analytics firm HypeAuditor that assessed 1.84 million Instagram accounts across 82 countries last year found that the top three markets with the largest numbers of fake accounts were the United States (49 million), Brazil (27 million), and India (16 million). The researchers spoke to around 400 influencers, 60 per cent of whom confirmed that they had bought followers, likes, or comments at some point.
Apart from just social media influencers whose high follower count could make them hot property for brand promotions online, services of these fake accounts or bots (software application that imitates human behaviour) are suspected to be used by political parties, celebrities, and in film promotions. These companies use fake accounts to start trending a particular hashtag, for example a movie’s name before a release date. These websites run ‘offers’ such as 500 Instagram likes for Rs 250, and 1,000 Twitter followers for Rs 1,449. So what action can the Mumbai Police take? This is going to be a challenge for the police, since the use of these services is so widespread. An officer said that it would be interesting to see, for example, whether the police are able to register cases against those managing social media accounts for political parties. So far during investigation, police have estimated that there are more than 100 such Social Media Marketing (SMM) portals that provide fake followers — and identified 54, whom they will call for questioning. The police have said that they will likely book the companies that provide these services and, “depending on whether the client knew about these illegal methods or not”, a decision will be taken.
Is providing fake followers illegal, or merely unethical? This is the first time that police have said they would register offences against those providing these services. Law enforcement agencies have so far not gone down this path. In Trivedi’s case, a fake profile of the singer was created — so, it was clearly a criminal offence of impersonation. However, there is no specific law in India to deal with cases involving only the buying and selling of fake accounts. In the absence of a specific law, police can take recourse to Section 468 of the Indian Penal Code, which deals with committing forgery of a document or electronic record for the purposes of cheating, Supreme Court advocate and cyber law expert Karnika Seth said. “Since a fake account is an electronic record that can be used to misrepresent, one could book a person under that,” she said. Cyber expert Vicky Shah, however, said that proving such a case in a court of law would be difficult.
How do other countries deal with this? In January 2019, the Attorney General of New York state, Letitia James, announced a precedent-setting settlement over the sale of fake followers, ‘likes’, and views on social media platforms, including Twitter and YouTube, using fake activity from false accounts. In October 2019, the Singapore government notified the Protection from Online Falsehoods and Manipulation Act, 2019, which includes measures to detect, control, and safeguard against coordinated inauthentic behaviour and other misuses of online accounts and bots.
Does India need to have such a law? Cyber lawyer Pawan Duggal said there is a policy vacuum, and a clear need for legal provisions to deal with this issue. However, several politicians and political parties are suspected to be utilising these services to boost their social media profiles, making it likely that there will be political resistance to any move to rein in such behaviour, a senior officer said.
How do social media platforms react to this? Social media platforms like Instagram have in the past deleted accounts that they suspected were using third-party apps to increase their follower count
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2020.07.20 06:44 freyasan [Guide] Dating in Singapore by a Cheesepie (For Straight Dudes)

Given how the two genders of SG seems to be at war over dating, and how I'm now happily being massaged by my husband (he's laughing as I type this), I feel socially-obliged to write this guide. Hopefully, there will be fewer sad BBFAs here after this.
Note: This is an entry-level guide, for straight millennial dudes that are looking for long-term commitment. It's not a be-all-end-all bible, so please use your own good judgement to adjust for your context. (Someone cover the LGBTQ+, Gen Z, or actual laojiao versions pls.)
Edit: Thank you all for the awards. *bows neatly in Japanese*

Prequel:

Finding and making your mark:

Pre-date:

After the first date, it's all on you. If it worked out well, odds are good that the girl will say it or hint that she wants more. It's not rocket science; just don't be an asshole and digest the feedback from your chick before you rebut anything.
Also, if she doesn't treat you right, just move the hell on. Like, she gaslights and abuses you, or does dodgy shit like not making your relationship known to others. Or she takes you for granted.
Everyone deserves to be happy and to have a healthy relationship.

Bonus tips from my hubby:

EDIT: I seem to have potatoed something. Gonna recompile all the good comments from others.

Others said:

u/stormguyy - Rejection (and possibly being ghosted) is part of modern dating culture. Learn to recognize when there’s no spark on their end and move onto the next.
u/UnparagonedWisdom - Personally, I think an important mindset to have is that your partner does not complete you.
u/mysuperpowerissleep - About covering your ass.
u/Silvsice - I think what a lot of people forget about with dating is that it should be an easy and enjoyable experience to see how well you fit with someone. If you find yourself having to filter your personality, and read through guides or youtube videos on how to adjust to someone, then you need to admit that you're not a good match.

Worthy mentions:

u/Insect-Competitive - Your husband seems like a great wife.
Yes. u/Echlori is a great partner; 10/10 will marry him again if there's a next life. The point is, a lot of the qualities of a great wife/husband apply to both genders. I fell for his character, warm heart, and progressive mindset. It made me want to be a better person, just so I can help make his dream work.
Have faith and keep your eyes open. With the right chick, you will find your own version of happiness too.

All the best!

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2020.07.12 06:22 Berabouman Check me if I am doing anything wrong and what I should be doing instead.

Hello all! I hope you are all having a great time and a great day. Just trying to spread positivity around.
Ok a little background before I begin. I'm a 38 ambiamorous Chinese male, I identify as hetero leaning bisexual. (though I haven't actually dated any men...yet) I started dating at 19, and I was in a polyamorous relationship with 3 wonderful women until we broke up (I won't go into details) I then took a decade-long break from dating in order to sort out my life and work on my mental health issues. I did.
About 4 years ago I met another wonderful girl and we dated for 3 months until it didn't work out again. Another long story and painful breakup but it's ok, I will survive. :) Then I met another girl half a year later and she disappeared one day. That's 4.5 relationships so far, my longest 1.5 years.
So I have been single for about...2 years now? I am not miserable single, but I am always happier partnered. I like being in love and making my partnes happy, and even when the inevitable arguments and struggles come, I am willing to overcome them. When in relationships I never have bad moods (no lie) and generally it's great.
However, my efforts into the dating scene haven't yielded the expected results. I've tried all the OLD options - OKC, Tindr, Bumble, you name it. I've gotten 2 very bland dates from OKC - we had lunch, there was absolutely no chemistry. Same on Tindr - I get some swipes, but after chatting there is absolutely nothing in common. I think 2000+ swipes is a decent number before I decided heck it - time I'm spending on these apps is time I am NOT spending on other things in life. I did also once pay for OKC A-List and I got nothing out of that either.
Along the way I've also done my own research into this. So I asked a bunch of friends, some of whom are poly and have been using OKC for years. They say read the profile, write nice messages that show you've read the profile, and you should have a success rate of maybe 45%...mine is like 1%. Sent about 100+ messages? I'm like what gives and I asked my female friends what gives. They basically say they are deluged with messages and find it hard to sort through them. I've shown my female friends my profile and messages and they have all said they would swipe on them no problem.
I asked dating coaches and one sex therapist if I am doing anything wrong...they say nope. Widen your social circle, which I have...no dice. Can't find anyone compatible. My approach in real life is to get to know a person a little first (about a month?) so I can ascertain if we are a good fit - I don't think it's polite to randomly hit on women. It's a form of romantic due diligence (because you have to have some standards) as well as politeness. I'm old-fashioned :) Then I just ask them out for dates/coffee.
I've been rejected 28 times before (I counted!) but they are all very nice about it - I don't see you that way, I'm currently moving house, we haven't spent enough time together etc. No harm no foul, we're all adults here. I have also rejected men and women before and I try to be nice about it, in the same way people were nice to me.
I am not sure what I am doing wrong here, if I am indeed doing anything wrong. My therapist of 17 years hasn't told me to do anything otherwise, and I have laid bare my dating history to her. My friends all say I'm doing ok. I'm beginning to think luck may be involved - I've asked my friends and they have all generally get hitched via school/work/social circles. It's proving difficult for me to crunch the numbers - someone getting hitched via OKC in Ohio in 2014 is not the same as someone finding a boyfriend in college in 2011 is not the same as someone using Tindr in Singapore in 2018. Maybe it's race, maybe it's luck, maybe it's Maybelline? There doesn't seem to be a clear pattern of what works and what doesn't, which drives the data scientist in me a little mad. :)
I do apologize if this comes off as defensive, which is not my intention. It's more than a little frustrating though. My current plan is to migrate, because I get WAY more phone numbers (of both genders!) in different countries. Singapore is a little too conservative for someone of my liberal bent.
Yup so that's about it. Sorry for wall of text. I like to challenge myself and learn and see if I may have any possible blind spots.
submitted by Berabouman to datingoverthirty [link] [comments]


2020.07.05 12:01 autotldr As Indian Video-Sharing Apps Capitalise on Ban, TikTok Distances Itself from Beijing.

This is the best tl;dr I could make, original reduced by 72%. (I'm a bot)
New Delhi: Indian tech and entertainment firms are looking to capitalise on sudden opportunities arising from the government ban on Chinese owned apps, one of the most popular in the banned list, social media app TikTok has distanced itself from Beijing, according to a correspondence seen by Reuters.
In a letter to the Indian government dated June 28 and seen by Reuters on Friday, TikTok chief executive Kevin Mayer said the Chinese government has never requested user data, nor would the company turn it over if asked.
TikTok, which is not available in China, is owned by China's ByteDance but has sought to distance itself from its Chinese roots to appeal to a global audience.
"I can confirm that the Chinese government has never made a request to us for the TikTok data of Indian users," Mayer wrote, adding that data for Indian users is stored in servers in Singapore.
Indian tech and entertainment firms are looking to capitalise on sudden opportunities arising now, with one video app that had rivalled TikTok saying it had added 22 million users in 48 hours.
Roposo, an Indian video-sharing social media app similar to TikTok that been around since 2014, saw its user base jump by 22 million in the two days after India banned the Chinese apps, the company's founder Mayank Bhangadia told Reuters.
Summary Source FAQ Feedback Top keywords: TikTok#1 Indian#2 government#3 India#4 app#5
Post found in /worldnews.
NOTICE: This thread is for discussing the submission topic. Please do not discuss the concept of the autotldr bot here.
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2020.07.04 04:03 autotldr TikTok distances from Beijing in response to India app ban

This is the best tl;dr I could make, original reduced by 48%. (I'm a bot)
NEW DELHI: China-owned social media app TikTok distanced itself from Beijing after India banned 59 Chinese apps in the country, according to a correspondence seen by Reuters.
In a letter to the Indian government dated Jun 28 and seen by Reuters on Friday, TikTok Chief Executive Kevin Mayer said the Chinese government has never requested user data nor would the company turn it over if asked.
TikTok, along with 58 other Chinese apps, including Tencent's WeChat and Alibaba Group's UC Browser, were banned in India this week following a border clash with China.
"I can confirm that the Chinese government has never made a request to us for the TikTok data of Indian users," Mayer wrote, adding that data for Indian users is stored in servers in Singapore.
TikTok, which is not available in China, is owned by China's ByteDance, has sought to distance itself from its Chinese roots to appeal to a global audience.
India is its largest market by user, followed by the United States.
Summary Source FAQ Feedback Top keywords: TikTok#1 Chinese#2 India#3 government#4 Mayer#5
Post found in /worldnews.
NOTICE: This thread is for discussing the submission topic. Please do not discuss the concept of the autotldr bot here.
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