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Why I'm Not Afraid to FIRE Abroad in The Philippines and Live Like a King

For many British, Australians and Americans, retirement time is just around the corner. At home, with low interest rates and high cost of living, the prospect of trying to live on a pension, in old age, is a daunting one unless you are prepared to substantially downscale your lifestyle.
For some, moving to retire in another country is an option which has been successful in the past with Spain, Portugal, Mexico and Puerto Rico being among some of the more popular destinations. But why not consider retiring in the Philippines?

The Case for Retiring in a Developing Country

Over the past decade, the Philippines has become a retirement haven for thousands of foreigners, particularly the Japanese, Korean, and Northern Europeans.
Along with Thailand and Malaysia, the Philippines developed communications, infrastructure, and service delivery systems specifically geared to meet the needs of foreign retirees. Better yet, unlike most European Countries and South America, nearly everyone speaks ENGLISH in the Philippines.
The Philippines offers a significantly lower cost of living. The Philippine Peso (PhP) exchange rate is approximately PhP 45 to $ 1.00 or PhP 92 to 1 Pound [Sterling (GBP)]. Housing, food, and labor costs are quite reasonable.
A One bedroom condominium can be purchased for around $ 72,000 or GBP 37,000 or a Studio for only $ 45,000 or GBP 22,800 and one can dine out on average at a three star restaurant for less than PhP 500.
If you hire domestic help, a private driver’s salary is approximately PhP 10,000/month, while trained housekeepers earn approximately -PhP 5,000/month. These salaries are lower if you live in the provinces.

Same Comforts as You’d Find Anywhere

Cable Television, Hi-Speed Internet and Satellite Communications are cheap. One can hire an air-conditioned taxicab for eight hours for less than $25.00. In a country where a provincial Governor’s salary is only PhP 28,000 per month, and a Presidential Cabinet Under-Secretary earns PhP 35,000, retiring abroad makes mathematical sense.
So, if you have a retirement income of approximately $1,500 to $2,000 per month ( PhP 80,000 to 100,000) you can live quite well in the Philippines.

Healthcare Expenses

As for health care, most U.S. Health Management Organizations pay for medical expenses incurred in the Philippines. Check with your HMO. The Philippine Department of Foreign Affairs presently has a task force headed by former Secretary Roberto Romulo working to have the U.S. government accredit a number of first class Philippine hospitals for Medicare reimbursement.
The Makati Medical Center, one of the nation’s best already has such accreditation.
Unbeknown to many is that for years, citizens of nearby countries such as Thailand, Nauru, Tonga, Indonesia, and Malaysia have flocked to the Philippines for medical care, particularly sensitive surgical procedures.
The quality of medical care at the better Manila hospitals such as the Asian, St. Luke’s, Medical city, Cardinal Santos, Philippine Heart Center for Asia, National Kidney Institute, and Makati Medical Center meets international standards.
A Japanese company is building a medical facility in Tagaytay city exclusively for Japanese nationals within the year. There are now close to 10,000 Japanese retirees in the country, and the number is growing annually. The British government recently acquired a large tract of land in Fort Bonifacio to build a new Embassy.
The British ambassador explained the larger facility is meant to help serve the growing number of British nationals retiring there as well. Japanese and Korean investment groups are buying homes and condominiums in Manila, and tracts of provincial land for retirees. This has caused a mini- Real Estate boom in the country. A retirement village exclusively for Japanese nationals already exists in Tagaytay, and more are planned. These are strong indicators of what is on the horizon

Language

English is the Philippines’ official business language. Most of the people you will meet, from hotel workers, taxi drivers, sales or service people, government employeesa all speak English, or have a working understanding of it. The middle class speak English, without exception. All major newspapers, and major broadcast companies use English. An English speaking visitor will never get lost in the Philippines.
It is the universal use of that language that has been a strong incentive to foreigners. As well, communications links within the country and to other countries via the various commercial gateways is up to international standards. For example, the use of cell phones and text messaging is so common that housemaids, street vendors and food hawkers can be seen using their cellphones incessantly.

Adventures

One will never want for adventure and sights to experience in the Philippines. There is always a colorful Fiesta, pageants, street festivals, and open public events going on. Lush with bountiful natural resources, one can enjoy the numerous beaches, resorts, golf courses, and play just about any sport, except skiing.
There is an ice skating rink in Manila, though. Scuba diving and fishing are among the sports which draw the most number of foreigners to the rich aquatic offerings.
Shopping is the Filipinos’ second most popular activity, the first is eating. Manila is Asia’s undiscovered shopping Mecca. You will love the golden purple sunsets, the fragrance of the flowers at dusk, and the wonderful array of fruit and food. I used to enjoy watching the Sun set from the bar at the Philippine Cultural Center.
There, you can listen to the Symphony, check out a play, or enjoy Grand Opera. There is just so much to explore and discover, specially in terms of nature, culture, and history. If you’re a betting man, there’s horse racing, the Jai Alai, numerous first class casinos, and of course, cok-fighting. Manila is well known for its exciting night life.
.... To avoid wall of text read more at:
https://financeandpurpose.com/living-abroad-condo-hotels-and-retirement-in-the-philippines/
submitted by JamesSanders112 to financialindependence [link] [comments]

Casino Games - A Review of Villento Casino

Casino Games - A Review of Villento Casino
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submitted by Bilalshah79 to u/Bilalshah79 [link] [comments]

10betjapan.com - operator offering sportsbetting & casino games now accepts BTC

10betjapan.com - operator offering sportsbetting & casino games now accepts BTC
With years of experience in online sports betting, 10BetJapan has grown into a leading bookmaker in the iGaming industry offering the best odds and services to the Japanese market. 10BetJapan is an all-in-one platform providing state-of-the-art betting solutions in terms of sports betting, slots, and live casinos. From the abundant selection of games to an entertaining atmosphere with new features and games looming around the corner, 10BetJapan is an ultimate iGaming conglomerate. Built and supported by the region’s best software experts, 10BetJapan offers the best, secures, and most disruptive online gaming experience.
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submitted by 10BetJapan to u/10BetJapan [link] [comments]

Celebrate 10 Years with Lucky Creek Online Casino

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submitted by Bedroid to OnlineCasinoRatings [link] [comments]

#SaveOurStoBoat Atlantic City Movement

Hello reddit friends!
I am currently a student at Stockton University, a small school in the New Jersey Pinelands about 15 minutes away from Atlantic City. We recently gained our university status and to accommodate for the larger student body we are hoping to attract, our school purchased a closed casino in Atlantic City called the Showboat for $18 million. The plan was to renovate the casino and turn it into an island campus: it would house residential students and cater to hospitality, management, and business students. The "Stoboat", as it came to be called, was going to offer over 50 classes in the fall.
Unfortunately, this might not be happening now.
In 1988, a covenant was created between two casinos: Caesar's and Trump Taj Mahal. Caesar's, Showboat's former corporate parent, and the Taj Mahal agreed that the property could never be used as anything but a first class casino. When the Showboat was sold to our school by Caesar's, we were told the issue had been resolved and that the Trump Taj Mahal would not enforce the outdated covenant. This turned out to be false. Weeks before Stockton planned to begin renovations, Trump Entertainment made it clear that they were not going to allow the Showboat to be used as an island campus.
Because of this, our school is now suffering from a lack of housing and a lack of classes. Taj Mahal released a statement claiming that having students next to their casino would be detrimental to business; they are afraid there will be problems with kids under 21 trying to gamble and this will repel potential customers. They concluded that, "You do not see a college on the Las Vegas strip." (Taj Mahal conveniently seemed to forget that there IS a college on the Las Vegas Strip - appropriately named the University of Nevada, Las Vegas. But that's besides the point.)
Stockton's acquisition of the Showboat was going to help a city that has been suffering for many years. Atlantic's City largest casino, the Revel, recently went out of business and the Taj Mahal is on the brink of bankruptcy as well. The casino business is not what it used to be and the entire city has been afflicted as a result. Having a thriving student body in the area brings opportunities to local businesses such as restaurants, outlets, and other small stores. An empty casino brings no such benefit.
Stockton students are both engaged and passionate about the situation. We do not agree with the Taj Mahal's sentiments and we will not stand for having this great opportunity taken from us. If the covenant issue is not resolved within the next two weeks, our school is going to be forced to put the Showboat back up for sale and we will lose everything we have worked so hard for.
We have created a movement called Save our Stoboat and we plan to march on the Taj Mahal sometime next week. We are going to conduct an approved and peaceful rally on the boardwalk near the Taj Mahal property in hopes of attracting media attention. The more media involved, the greater the chance that the legal issues surrounding the Showboat will be dropped by Taj Mahal.
We are currently trying to raise funds for our rally. We are hoping to raise money for transportation, t-shirts, and signs. These will aid our overall mission of bringing the matter to the general public's attention. Even if you cannot donate, I hope I have your support. Please spread the word and let others know of the issue our great university now faces!
Donate here:https://rally.org/SaveOurStoboat
Thank you for reading! If you have any questions about this matter, I can answer them to the best of my ability!
Connect with us!
https://www.facebook.com/saveourshowboat?fref=ts
https://twitter.com/SaveOurStoBoat
Sources: http://www.philly.com/…/20150325_Stockton_University_s_deal…
http://www.pressofatlanticcity.com/communities/atlantic-city_pleasantville_brigantine/contract-shows-stockton-knew-showboat-issue-was-still-in-effect/article_b7c59348-d4f0-11e4-a7ff-179ca561e77b.html?TNNoMobile
TL;DR A casino in Atlantic City is trying to prevent my university from using another casino we recently purchased as an island campus. This campus would have not only been great for my university, but it could be Atlantic City's greatest chance at revival from a recently wretched economy.
submitted by saveourstoboat to newjersey [link] [comments]

WallstreetBets Saved My Life

Do you understand that you are the ringleaders in some sort of psychotic financial underground fight club ?
This year has been outrageous and retarded at the same time and somehow. Because all of us morons got together on here - we made money during something awful.
During The worst thing we’ve ever imagined.
Have you seen the movie, Contagion?? Dude that’s a walk in the park compared to the real world right now. It’s expected to report as a ThrilleHorror. - but missed my estimates for a weak drama.
This post represents how god damn retarded we all are- and at the same time, it shows us how fucking beautiful we all are.
Wallstreetbets, was all we had this year.
and WE FUCKING CRUSHED IT.
How many stocks were we right about? That Jim Cramer told us not to Buy. But because the memes were so Funny. We bought low and got to sell waaaay high
Electric vehicles anyone?
Yea then when the stocks we keep defending sky rocket to the moon and we use the power of the autist army DD - months later Cramer tells us he likes wallstreetbets.
Yea you do jimmy
So do I . Hahahahahaha
Life is a video game
I made enough money trading on my cell phone to pay for my entire education - not need a job while I put myself thru school YOLO’ing way too much money into meme stocks for shits and giggles and waking up to 100%+ returns ON MY ENTIRE SAVINGS MULTIPLE WEEKS IN A ROW.
And I’m not alone
I hope everyone here gets to experience the power of holding a stock when Jim Cramer tells you it’s not any good. Then it goes up 1000%+.
If you thought you ever doubted anything you read, imagine making 690% returns on $XPEV in October when JiMMy BoY Told us that NoThiNG cOULd EvEr Do WhAt niO DiD AgAin.
SIT DOWN : XPEV NIO TSLA TWTR SNAP PINS And ; FB was $30 too - 10 years ago . Social media digital marketing explosion in your face.
I feel like the Incredible Hulk right now.
  1. The biggest fucking train wreck disaster we’ve ever seen. But us retards pulled thru it. Some of us changed our fucking lives forever.
Like me.
Because of this stupid forum and all of you idiots- my life has been changed forever
I fucking love you guys so much
Thru all of this bullshit I racked up over $40k profits this year.
How the fuck does that happen I only had $8k to my name. What the f.. Idk what I’m doing. and now, PETER SCHIFF FOLLOWS ME ON INSTAGRAM.
right place at the right time. Here’s my story:
I found you idiots at the beginning of this pandemic.
Feb 2020 I was, Depressed, Scared, Bored Angry Everything. I had Lost my job. I was deemed non-essential.
I couldn’t get unemployment but got $1200 in mail. That helps for sure. Like think about this ok:
$8k + $1200 = ?% ... you know ? He added more than 10% to my net worth. Right? Legit increase. So thank you for that bro. Talk shit on it all ya want but that’s a legit percent increase from D, lol.
That allowed me to over leverage way more than I was used to.
I stumble onto this Shitshow of a Reddit called wallstreetbets. where everyone is insulting each other. And it’s hilarious.
In March, of 2020: I start trading options and really ramping up my risk. I’m in and out of $AAPL calls every 2-3 days making $300-700 per week trading which is fucking awesome for me. Sometimes over a thousand bucks a week
For 20 weeks roughly. Simple math and smart trading.
Sort of. I think
It’s a version of Buffett’s compounding interest. Make $1k per week for 25 weeks =
Make $25k
Simple. Easy
Now I’m smarts as Waeren BuFét .
I don’t have any way to make money buttttt now I’m deemed not essential as a medical device salesman.
Trading is paying my bills. My friends are interested.
I keep throwing in 100%+ of my account into trades. So stupid.
And by May, 2020 = It KEEPS WORKING. And we are all encouraging each other like maniacs on here lol.
By June = I’m up $20,000 on the year.
And guys I don’t care what you say. I know it is a small profit, compared to some of the madness on here but... To me. It’s a lot of money.
Percentage-wise I’m up wayyyyy beyond normal
A whole lot of money and - I have no clue any other way to make money.
I made $18k total money, in 2019. And lost a little money in the stock market.
and then 2020 pandemic was the nail in my sales business’ coffin.
And I’m poor as Dick when the pandemic hit. My savings, I had about $8k left. . I’ve never had too much money but I work hard.
And at this point all I can think is that I know I cannot give up
And trust me I wanted to give up. In February and March I thought I’d become one of these suicides because I became so depressed about the virus and my wife was becoming sick. She was diagnosed with lupus and man I didn’t know how hard life could be. I would never leave her side so I push forward for us. Let’s do this
Time to fight the boss.
I had never been tested like this with so much hardships.
You know you hear stories about people who have very bad struggles, and never think you’ll be like that, because you work hard, but sometimes - a pandemic crushes your income to $00.00 The gov won’t pay you anything and your wife is deemed terminally ill. And then all of her hair falls out
But despite all of this, By May of 2020: I’d already made my 2019 salary in few months. I don’t fully understand what is happening but I keep reading. I Keep studying at nights. Understanding stocks further. I Keep reading WSB. It is working. I’m able to pay my bills and rent and eat And put gas in my car And get coffee in the morning. Something I’d never had spare cash to do really, multiple months in a row now from trading- I’m able to live better than ever.
But I’m up all night studying I’m chomping adderall to push thru the shit because in my mind I couldn’t go to bed yet I need to learn I need to take this opportunity.
I’d think to myself, “This is never going to happen again,” So I’d rationalize staying up till 4:30am to catch pre-market opening bell and buy 1000 shares pre-market and then exit them at 9am. Trade options till 3pm then crash hard because it’s earnings day and you can’t miss this Shit. legitimate degeneracy.
I’m not starving because I’m a trader?
“Ok push forward,” I tell myself. “You can do this.”
STAYING MOTIVATED THRU THE DARKNESS. my gains were steady until the end of the summer when my portfolio Doubled bc of Instagram .
I thought I had made all the money in the world. Over 100% gains. Little did I know i was about to 100% the 100%
The most incredible thing happened,
Randomly, one day I smoke a fat fat joint and put in like 2 hours making a meme video for you tardos because I’m so high... I’ve never done it before. My first meme video is born
When I post the video on my Instagram, I tag Peter Schiff , Peter Schiff’s wife shouts me out - and Peter shouts me out.
And I’m eating dinner with my wife. And I see that notification.
“Peter Schiff has followed you”
I look at my girl like waaaaaait a second. Read that to me......... Then my phone... I’ve never seen it come to life Like this. HAS ANYONE EXPERIENCE THIS BEFORE? Peter and his wife shout me out on Instagram, and the wave of followers that came to my page was UNREAL.
Turns out - Peter and his wife are legit 2 of the coolest people on planet earth.
And they are both part of my 23 followers.
Lol Whaaaaaaaaaat.
He was on Joe Rogan guys. What.
(I have had this account for years and am posting constantly on it with ZERO interaction. Maybe 1-3 like per post. Posting 10x per week. Why tf do I need a personal Instagram? - let’s talk stocks b).
“Whaaaaaat is happening!?!?”
I decide to go big. If fuckin Schiff is into what I’m saying. LETS FUCKIN GO.
I walk into the wallstreet casino (market open) In early July 2020 -
I put everything on fuckn $SLV boyz.
I had about 40 contracts and over 500 shares
(Once again, I know this position sounds small, but understand me- This is all the money I have. So it was a true god damn yolo in the Purest of its many forms. I’m so mother fuckin proud of this trade. It changed my life forever).
By the end of July I’ve almost doubled my money. By late Aug early September 2020 You saw what happened to silver.
Rockets to the moon then crashes back to earth
I had made the perfect trade
I bought a pair of silver AirMax 97’s the day I sold my position. To celebrate bc it was so unreal to me to make that kind of money so fast.
I was up up +$40k on the year. $SLV was at $28.50 the day I decided to sell
I Bounce. I sell it all. Instead of diamond hands. I spin a total 180 on my silver theories about it going to $50/oz and I sell everything and take all of my profits. I got a bad feeling. I started reading about JP Morgan. And then the ultimate red flag
The slimy reptiles on tv began saying silver is good.
Annnnnd I was like NOPE CANT LISTEN TO LIZARDS EVER EVEN IF THEY AGREE WITH YOU
and I exited the entire position HAHAHAHA while people told me if I hold till December Ill make $150k. OKAY how’s that working out ?
Because silver can’t fail - and it’s definitely going to $50/oz; by December. Because the COMEX. Bla bla bla. Manipulation move on. Only hold physical. Period.
Anyway
I don’t care what they say. This profit I made. is WAY MORE MONEY than I’m used to.
$40k total profit and the year isn’t over - I take it
I sell all my $SLV positions.
In the following days after I sell- $SLV absolutely collapses from $29 to $22
Are. You. Kidding. Me.
I can’t believe it. I did the yolo. Again It worked. And I fucking sold at the right time.
I decide that’s enough. I’m gonna use this to pay for an education to work in surgical technology. I apply and I’m number 6 on the waiting list to get into class. But they say that it’s possible. So I wait. ... maybe I can really pull off the greatest thing I’ve ever done and get my shit back together.
Dr. Jordan Peterson taught us to choose the best thing we can think of- how we can help People. Also, choose a job that is one you can be good at.
Then shoot for that. That’s the goal. Thanks doc
I get a call on oct 17th from the school.
Oct 17. Is Eminem’s birthday.
I started school 2 days later.
I know some will make fun of this career, but... it’s essential. Pay is awesome for me. I like to work with my hands. this is an excellent, “trade-based,” Job for me- Because I will be good at it and make money.
Pandemic made me change my attitude towards work. No man is above a job and if you have a trade you can work with your hands - then you will always have income. As long as you have hands.
And if you have income, you can trade like a retard forever.
If you can trade, you can make $40k on your cell phone without a job in a pandemic.
Stand up, and scream at the top of your lungs if you feel me on this.
Is anyone even reading this shit anymore?
Seriously. If you understand what I’m saying, aka-
If you were fucking BROKE and you made more money, in 2020 somehow, than you ever have in your life-
You are a fucking legend. And so am I.
WE WERE BUILT FOR THIS SHIT.
So, I drop $25k for school. I swap $15k of my profits into physical silver bc of taxes are good. I swap the physical silver for cash, to eat when I’m hungry and live on when I need to now.
And my physical silver I got at $25/oz is worth over $30/oz today. . And I still have my original $8k in investments , which I’ve (to date) turned into about +$18,500 literally, by just trading whatever is trending on an app called Stocktwits.
Then searching WallStreet bets for The ticker and see if You retards are talking about it yet or not.
Huge W
I finish school on 09.09.2021 I will have a job that day and income
All of this happened because of WallStreetBets.
Things were so dark. So bad. No future. No prospects at all in business but bros...
I was fucking trading. Like a complete fucking idiot
And making money. And I still can’t believe it. I cannot believe this happened.
PULLED UP TO THE PARTY IN A PINTO LIKE IT WAS A PORSCHE
and I can’t believe I made all this money following this sTupid ass Reddit website and 100% autistic, over-leveraged, retarded meme trading the entire year.
Huge Respect to WSB. This place was the light at the end of a dark tunnel.
Seriously. Thank you so much. All of you.
You saved my life.
What a fuckin trip. We are immortalized. We made history in 2020.
Merry Christmas Retards
~edit • • • • •
• • • •
My wife is much better (her hair grew back) and I’m having a baby boy this March.
I’ll be working as an essential surgical technologist by the fall of 2021.
I’m an idiot and a pussy I only will put $100 at risk in any trade - and I don’t can’t what anyone says about that. because my life is forever changed for the better, because of this forum
Now ...
The shitshow is not over.
2020 was a springboard for some shiiiiit 2021 we are coming into a commodity boom I think.
Get ready for 100x more Madness
TL:DR - $IPOC 19 FEB 2021 $15C
submitted by stocktawk to wallstreetbets [link] [comments]

Can anyone recommend me some non-fiction and true history books about America, Europe, and just history in general that the average person should know.

So to preface I am 31 and graduated from high school in 2007 in a small American town that you've probably never heard of. The town is famous for nothing and has never been in the national news. I moved to the UK years ago and I was in the car yesterday with my British husband and something came up in conversation where he mentioned the Louisiana purchase. Well, that was the first time I ever heard that before (honestly) and it was quite frankly more embarrassing to me than if I had peed my pants. I then started recounting what I learned in public school as I never took a history class in any of my times at college/university.
4th grade was the first year that we had a history class. We spent the whole year learning about how the witches burned at Salem. Totally not true. Then in 5th grade we studied Native Americans and pilgrims for the whole year, but only Native Americans from the East Coast and Canada. We even went on a field trip to a casino for some god awful reason. We held a mock first Thanksgiving where we were taught Christopher Columbus was an English man who sailed a ship with other English and landed in Plymouth and spent the day with the Native Americans having the first Thanksgiving dinner. This is also a lie as I have learned Columbus is actually Spanish, racist, and wasn't even alive at the time of the dinner. In 6th grade we spent all year having a mock election and following the current election at the time. Mock election included us mock voting for either Bush or Gore or Nader. I distinctively remember Gore winning our mock election. Then in 7th grade we spent all year studying Egypt, but mostly just Cleopatra and had an Egyptian come in to teach us about his culture. We never touched the Aztecs or the Incas. 8th grade was totally bizarre. My field hockey coach was my history teacher then and she was a complete hippie trapped in the 60s. Haiti had just suffered a horrific tsunami so she felt it was her duty to help out in any way she could. So she spent the whole year having us do humanitarian work like making care packages daily for Haiti. Some parents complained this was noneducational, but nothing was done about it. High school was different because history was now an elective so I could take any history class I pleased. I spent two years doing political science where we studied past elections and presidents and how they got elected. Then I spent two years studying the Vietnam War, but not what started the war rather what went on during the war. The thing with my high school was that you could take an elective multiple times like for example you only need 3 years of math to graduate so you could take statistics all three years instead of like calculus, algebra, and accounting.
I recounted all of this back to some of my former classmates to make sure I hadn't wrongly remembered, but they all agreed with what I said. My husband's friends were not surprised as they think American education is rather poor.
So what I know about history is what I learn through the internet and sometimes things pop up that I haven't heard before like the Cuban missile crisis is something I only learned a good 5 years ago which is sad. I should know more about my country even if I plan to give up my citizenship. So Reddit, what books do you recommend? Sorry for the long rant.
EDIT: I have read Sapiens by Yuval Noah Harai, Lies My Teacher Told Me by James Loewen, and Guns/Germsa/Steel by Jared Diamond so far.
submitted by overtheregocompare to history [link] [comments]

Stokes's Bristol Nightclub incident in detail (From: The Comeback Summer by Geoff Lemon)

IF YOU’RE LOOKING for a place where misadventure could begin, you can’t go past Mbargo. The nightclub’s streetfront is painted a purple so bright you’ll see it in your dreams. Strings of giant sequins shimmer in the breeze. Its phonically inventive name is spelt in silver letters that climb its three-storey terrace facade. Inside are strips of burning neon, a few booths, floorboards so marinated in drink that they have an ingredients list. Bristol is a student city on England’s south coast crowded with music and nightlife and street art. This is Banksy’s home town, and the tourism board suggests in rather strong terms that ‘you would be a fool not to see his amazing work firsthand’. The same organisation describes Mbargo as ‘intimate’, which is fair for a place where you can catch an STI standing up. Students cram into its modest dimensions while people with names like DJ Klaud battle for billing with £1.50 drink deals over seven sloppy nights a week. To get a sense of the story about to come, consider that it’s the kind of place open until two o’clock on a Monday morning, and that at two o’clock on a Monday morning, Ben Stokes still thought it had closed too early.
The Ashes of 2017–18 had disciplinary bookends. It was after that series that Australia’s two leaders went off the rails in South Africa. It was a few weeks before that Ashes tour that England’s biggest star windmilled his way into his own disaster.
In the early hours of 25 September 2017, Stokes and teammate Alex Hales were barred from re-entering Mbargo after a night out on the piss. A Sunday thrashing of an abject West Indies in an ignored series at the fag-end of the season apparently required ample celebration. After arguing with the bouncer and hanging about at the door for a while, they wandered off to find a casino in the hope of more drinking. They’d barely made it around the corner before getting in the middle of a conflict between four locals. As is said on the internet, it escalated quickly.
The 26 September reporting was bloodless. Withholding names, police stated that a man ‘was arrested on suspicion of causing actual bodily harm’ while another went to hospital with facial injuries. England’s director of cricket Andrew Strauss separately confirmed that Stokes was the arrestee, adding that he had been released without charge and that Hales had gamely offered to ‘help police with their enquiries’. Administrators had a good chance of hiding behind that investigation, and the next day Stokes was named in the upcoming Ashes squad as expected. But that night the video emerged.
Bristol student Max Wilson had shot it on his phone, then offered it to The Sun. What he thought was playing hardball was actually lowball: his opening price of £3000 was snapped up by a tabloid that would have paid ten times that. The Sun went on to make a mint by syndicating the rights worldwide. From a window above the fray, the vision showed six men on the street below performing the muddled choreography of a melee. One was right at the centre of it. One was waving a bottle, one dipped in and out, one tried to calm it. Two others floated around the edges. The central figure was unmistakable: red hair burning even in the streetlight as he launched into a series of blows against two of the men, falling to grapple with them on the ground, then following both across the street, swinging punches the whole way. Hales trailed behind, repeatedly and impotently shouting ‘Stokes! Stop! Stokes! Enough!’ The ECB could fudge issues that existed only in thickets of legalese, but not those captured in moving colour. Stokes was stood down from the next West Indies match, then suspended indefinitely. It emerged that he had broken his hand during the fight, something he’d done twice before while punching objects in dressing rooms.
The response in Australia was fierce: Stokes was a thug, a lowlife, a selection that would disgrace England. It was not entirely coincidental that a ban for England’s best player would be handy for the Aussie team, but there was also a cultural split. In England, plenty of people still minimise pub fights as lads letting off steam. In Australia, heavy media coverage as a succession of young men were killed had inverted that tolerance. The discourse now saw any punch as potentially deadly and accordingly reckless. This was more poignant in a cricket context given that David Hookes, the dashing Test batsman and state coach, was killed in 2004 by a pub bouncer’s fist.
The PR situation was bad for Stokes as details emerged of the injuries to the men he’d hit, and that one was a young war veteran and father. Stokes wasn’t officially removed from the Ashes squad through October but stayed behind when his teammates left, hoping for police to dismiss the matter in time for a late dash to Australia. His annual contract was renewed on the due date in case that came to pass. Then 29 October brought a twist in the tale.
‘Ben Stokes praised by gay couple after defending them from homophobic thugs,’ ran the headline. Kai Barry and Billy O’Connell had emerged. Not entirely out of nowhere: while Stokes had made no public comment, this story in his defence had initially been leaked to TV host Piers Morgan after the fight, as soon as the video appeared. Police body-camera footage played in court would later show that Stokes had given the same story to the arresting officer on the night. But no-one knew the identities of the fifth and sixth men in the video, and police appeals had turned up nothing.
It was The Sun again with the breakthrough. Kai and Billy were perfect for a readership not keen on nuance. ‘We couldn’t believe it when we found out they were famous cricketers. I just thought Ben and Alex were quite hot, fit guys,’ said Kai, who was memorably described as a ‘former House of Fraser sales assistant’. The paper had the pair do a full photo shoot: layering the fake tan, showing off chest waxes, mixing Ralph Lauren and Louis Vuitton into a range of outfits. Their best shot had them standing back to back, heads turned to the camera, in a mirror-image Zoolander moment.
Suddenly The Sun was the England team’s best friend. ‘Their claims could lead to the all-rounder being cleared over the punch-up and freed to play in the First Test in Australia next month,’ it gushed, then gave a tasting platter of quotes: ‘We were so grateful to Ben for stepping in to help. He was a real hero.’ ‘If Ben hadn’t intervened it could have been a lot worse for us.’ ‘We could’ve been in real trouble. Ben was a real gentleman.’ Would it be known forever as Kai and Billy’s Ashes? No. While the Bristol boys provided spin for Stokes’ reputation they didn’t influence the police. With charges still pending there was little choice – not given Strauss had previously sacked Kevin Pietersen for being annoying. Stokes remained suspended through the Ashes and a one-day series in Australia, and lost the vice-captaincy. It was January 2018 before the Crown Prosecution Service laid a charge.
That charge surprisingly came in as affray, a crime that can carry prison time but is classified as ‘a breach of the peace as a result of disorderly conduct’. The men he had punched, Ryan Ali and Ryan Hale, faced the same count, charged as equal participants in a fight rather than Stokes being charged with assaulting them. Alex Hales was not charged, despite being seen in the video to aim several kicks when Ryan Ali was lying on the ground. Given the underwhelming standing of the offence, Stokes was cleared by the ECB to tour New Zealand, and kept playing until his trial in August 2018, which he missed a Test to attend. None of the three defendants would be convicted.
The reasoning behind the charges was never released and was attributed vaguely to ‘CPS lawyers’. The service gave the case to Alison Morgan, a prosecutor of a class known as Treasury Counsel who usually handle serious criminal matters. Morgan had a scheduling clash and never ended up court for the case, but in 2018 and 2019 she would go on to win damages and admissions of libel from The Daily Mail, The Times and The Daily Telegraph variously for incorrectly reporting that she had been responsible for the inadequate and inconsistent charging decisions.
Morgan’s successor on the case was Nicholas Corsellis QC, who on the first day of trial was permitted by the CPS to request two assault charges be added against Stokes. ‘Upon further review,’ claimed a CPS statement, ‘we considered that additional assault charges would also be appropriate.’ This was patent nonsense from the service that eight months earlier had chosen the lesser charge. Any lawyer knows that no judge will allow new charges once a trial has begun, because the defence hasn’t had time to prepare. But such a request could deflect criticism of the prosecution service by technically making the judge the one who disallows the charge.
Working through the story from the trial and the tape is complicated. You had a Ryan and a Ryan, a Hale and a Hales, a Billy and a Barry and a Ben. You had several versions of events as to who knew whom, who was drinking with whom, who had insulted whom and who had merely engaged in ‘banter’, a word that in modern Britain has to do an unconscionable amount of lifting. The reporting had constantly mixed up the Ryans as to who had which injury, who was in hospital, who had played which part in the fight, and whose mum had which stern words to say about it.
Let’s agree that from now Ryan Ali is Ryan One, the firefighter who ended up with a fractured eye socket and a cracked tooth. Ryan Two can be Ryan Hale, the soldier who scored concussion and facial lacerations. Mr Barry and Mr O’Connell are best known per The Sun as Kai and Billy. In scorecard parlance we’ll leave the cricketers as Stokes and Hales.
Amid the confusion, Stokes and his lawyers built his case in a straightforward way. The UK legal definition of affray is ‘if a person threatens or uses unlawful violence or force towards another person, which causes another person of reasonable firmness present at the scene to fear for their safety’. That means it doesn’t account for violence that harms a target, but violence that might frighten a theoretical bystander. The wiggle room for Stokes was with ‘unlawful’, because the charge excuses violence in defending oneself or others.
This interpretation hinged on the beginning of the video, where Ryan One waves a beer bottle about and takes a swing at Kai. The version from Stokes was that he was minding his own business walking down the street when he heard homophobic abuse. He intervened verbally and was threatened verbally by Ryan One – something that Ryan One denied but that couldn’t be proved or disproved. In fear for his safety Stokes had to nullify that threat by bashing Ryan One before it went the other way. He registered Ryan Two in his peripheral vision as another possible threat, and again had only one recourse.
Stokes also had to convince the jury to disregard testimony from Mbargo’s bouncer that he had been looking for a fight. A solid lump of a man, Andrew Cunningham had not enjoyed his patron’s attempts to get back into the club after the bouncer declined an offer of a bribe. ‘He got a bit verbally abusive towards myself. He mentioned my gold teeth and he said I looked like a cunt and I replied, “Thank you very much.” He just looked at me and told me my tattoos were shit and to look at my job.’ Cunningham described these words as coming in ‘a spiteful tone, quite an angry tone’, and said that Stokes still seemed angry as he walked away.
These were details the doorman had nothing to gain by inventing, but each of them Stokes denied. By his own accounting he had drunk a beer at the game and three pints at his hotel, then ‘potentially had some Jägerbombs’ along with half a dozen vodkas at the club. He insisted that after all of this he was not drunk.
If I may take a moment here to call upon the wisdom of experience – a person who cannot definitively say whether they have had any Jägerbombs has definitely had some Jägerbombs. A Jägerbomb is an experience that does not pass one by. Further to that, a person who says they have ‘potentially’ done something has definitely done that thing and doesn’t want to admit it. A person who has had between 15 and 24 standard drinks in one evening is shitfaced. A person who tries to bribe a bouncer £300 – three hundred quid! – to get into Mbargo – Mbargo! – is beyond shitfaced.
If Stokes admitted that he was drunk then the prosecution could say he was out of control. He claimed clear recall of assessing a threat, feeling fear and deciding to protect himself with force. He confidently denied details from the bouncer’s testimony, like using the word ‘cunt’ or mentioning gold teeth. Yet on other details he claimed a ‘significant memory blackout’. He didn’t remember the punch that saw Ryan One taken away by ambulance. He didn’t remember what the Ryans had said to Kai and Billy, only that those words were homophobic. With no head injury, as one of the few people who hadn’t been hit, he had supposedly suffered this memory loss despite being sober.
The version from Kai and Billy was compatible but vague: they had been walking along, they ‘heard … shouts’ of abuse from an unspecified source, then Stokes ‘stepped in’ and thus they avoided possible harm. They claimed to have been bought a drink by Stokes at Mbargo, although CCTV showed them meeting outside. The overall implication from both accounts was that the cricketers had been pals with Kai and Billy, while the Ryans as per The Sun’s headline were a roving band of thugs.
The reality though is that the Ryans were the ones hanging out with Kai and Billy at Mbargo. Police discussed CCTV from inside the club in questioning and at trial. On that footage the four Bristolians bought drinks for one another, danced together, and Kai was noted to have variously touched Ryan Two’s crotch and Ryan One’s buttock. Ryan One told police that all of this was taken lightheartedly and wasn’t a problem. Indeed, when the Ryans called it a night the other two left with them.
This much is clear from footage out the front of Mbargo, which shows Kai and Billy exit the club and start talking with a subdued Hales and a demonstrative Stokes, who are stuck outside. The vision was played in court to determine whether Stokes was antagonistic towards Kai and Billy, as he appears to impersonate them and to throw a lit cigarette their way. More interesting is that after a few minutes the Ryans emerge, and all six actors in the fight video briefly form a prequel in the one frame.
Ryan Two pats Billy on the chest in friendly fashion with his right hand before clapping him on the back with his left. He moves past and does the same to Kai before leaving the shot. Ryan One stops to speak to Kai. They lean in for a moment, talking, then Kai turns and they walk out of frame together. Billy hangs around for a few seconds at the door and then looks after them and races to catch up. Stokes and Hales remain outside the club to remonstrate further with the bouncers. Whatever discord develops around the corner is between four men who left amicably together minutes earlier.
There’s no way to know what caused that friction. If Ryan One did use homophobic slurs, he might have been drunkenly obnoxious for no reason. He might have had an insecure macho response to some extra flirtation. He might have thought unkindness was funny – ‘banter’ once again. Or he might have said something that was misunderstood, as both Ryans insisted in court that they had not used nor had the impulse to use any abusive language.
What clearly didn’t happen was an attack by bigots on random passers-by. This kind of crime is regular enough that an audience understands the horror of it, and this is what was evoked by the public accounts of Stokes, Billy and Kai. All we know is that there was some verbal dispute among the Bristol locals, and that Stokes came along behind them and put himself in the middle of it. Ryan One responded to the interference aggressively and away they went. There are plenty of reasons to look sideways at the idea that Stokes was a saviour. Foremost, neither Kai nor Billy was called upon as witnesses in court. You’d think it would be ideal to have Stokes’ story backed up by those who benefited from his selflessness. But his defence team had developed the impression that the pair had shown a changeable recall of events amid a hard-partying lifestyle, and would be dismantled by the prosecution on the stand.
That raises the question of whether The Sun coached their quotes for the 2017 interview. Despite missing court, Kai and Billy clearly enjoyed the attention. In 2018 after the trial they did a follow-up spread in the same paper about how poor Ben had been mistreated. They got a television spot on Good Morning Britain and glowed about his heroism. In 2019 The Sun wheeled them out once more to say that Stokes should get a knighthood. In 2017 they had ‘never watched cricket’ but by 2019 were supposedly volunteering sentences like, ‘He saved us, now he’s saved the Ashes.’ Whether they were paid for these appearances is not known, but the chance to be famous for a day can be lure enough.
If you find this cynical, consider that on the night in question, the Bristol boys were so deeply moved and thankful for Ben’s intervention that they left him to be arrested and never attempted to find out who he was. Seconds after the video ended, an off-duty policeman reached the scene. You might think that someone grateful to a saviour would speak on his behalf. Instead, said Kai, ‘it all got a bit scary so we walked off. It was too much for me and we went to Quigley’s takeaway for chicken burgers and cheesy chips.’ They didn’t give their hero a thought for over a month while police issued multiple appeals for witnesses.
As for Stokes, he told his arresting officer that ‘his friends’ had been attacked. After three minutes of chat outside a nightclub, these friends were so dear to him that he has never contacted them again: not after the newspaper piece, not after the verdict. He didn’t want to see how they were or thank them for their support. He didn’t mention them by name in his solicitor’s statement after the trial.
The Stokes defence rested on Ryan One’s bottle, which he had carried out of Mbargo to finish a beer, not to use in a Sharks versus Jets amateur production. But once he turned it over to hold it by the neck it became a weapon. Intent and interpretation can change the material nature of things. Part of Stokes’ justification in court was that the bottle implied that the two Ryans might have ‘other weapons’ hidden away. You can understand how a jury could decide that created doubt.
Not being convicted, though, doesn’t give the contents of the video a big green tick. It does not, as his lawyer claimed, vindicate Stokes. Looking in detail, Ryan One is belligerent but his movements telegraph a bluff. Hales is the person he’s gesturing at, but they’re several metres apart when Ryan One cocks his arm ostentatiously, showing off the bottle rather than bracing to swing. He skips forward but Hales skips back and Ryan One doesn’t follow. Kai stretches out an arm to impede Ryan One, who has a drunken stumble, nearly eats pavement, then staggers towards Kai and hits him in the back. That hand is still holding the bottle, but his strike is a side-arm cuff on a soft part of the body. It’s all pretty tame.
This is where Stokes gets involved. Having moved across to protect Hales, he now takes three large steps to run around Kai and booms his first punch at Ryan One. They fall to the ground and the bottle clinks away. Stokes gets to his feet to punch down at the fallen man, while Hales arrives to kick him ineffectively then runs off across the street for some unknown reason. Ice-cream van? Stokes is soon back in the grapple having his shirt pulled up to show off his Durham tan. Ryan Two steps in for the first time to pull Stokes away, prompting a couple more random punches at this new target, then Stokes trips backwards over Ryan One and sprawls in the street. Hales chooses this moment to return and aim some solid kicks at the head of the man on the ground. Nothing so far is a triumph of moral philosophy or the pugilistic arts. But if it all stopped here, perhaps you could say it was somewhere approaching fair. Ryan One has behaved like a turnip and it’s not an entirely unjust world that would give him a whack across the chops. The antagonists have disentangled, Stokes has some distance, it’s time to dust off and go home. Ryan Two steps forward for this purpose with his palm raised in conciliatory style and says, ‘Settle down, stop.’
So Stokes punches him.
It’s roughly his fifth punch overall, and he really winds up into this one. He misses so hard that he stumbles away into the shadows of the shop awnings along the road.
Hales starts shouting for him to stop. Ryan Two backs into the street, still holding his palm up. Stokes closes on him from about five metres away, six large steps, to where Ryan Two is standing on his own. Stokes pushes him a couple of times, as Ryan Two keeps trying to placate him and saying ‘Stop.’ Stokes throws his sixth punch, largely missing as his target ducks.
Ryan Two keeps pulling away and reversing, into the middle of the street now. Stokes follows him, grabbing his sleeve to drag him back. By this point Ryan One has found his feet and walked around behind his friend. Both of them are in the same line of sight for Stokes, and both are backing away. Stokes aims his seventh and his eighth punches, which Ryan Two tries to deflect, as Hales walks up behind Stokes to grab him.
Stokes yanks away from his friend and switches to Ryan One instead, taking seven paces to grab him before throwing his ninth punch of the night. He grabs again; Ryan One blocks that arm and pushes himself back away from Stokes. Ryan Two again intercedes, putting himself between the two with his palms up and his arm extended.
Stokes throws his tenth punch, a right-hander at the face of Ryan Two, then shoves him backwards. Ryan Two backs away once more, four paces. Stokes follows, steadies, lines up, then launches his strongest punch yet, his eleventh, a proper right hook from a solid base, one that cracks across the man’s head and gives him concussion. Ryan Two ends up flat on his back in the middle of the street, his hands still outstretched for a moment in useless protest until they twitch and drop to the blacktop.
Stokes isn’t done. He once more shoves away the restraining Hales and follows Ryan One, who keeps backing away saying, ‘Alright, alright, alright.’ Five more paces from Stokes before another blow at the man’s head. Kai and Billy are now standing over the poleaxed Ryan Two. The video ends, but seconds later Stokes will punch Ryan One hard enough to knock him out too, before off-duty cop Andrew Spure arrives on the scene to bring down the curtain. When the body-camera footage kicks in some minutes later, Stokes is in handcuffs but Ryan One is still laid out in the street. Ryan Two has regained consciousness, folded his shirt under his friend’s head and is asking police for an ambulance.
‘At this point, I felt vulnerable and frightened. I was concerned for myself and others.’ This was how Stokes described that sequence to the court. An elite athlete with years of gym work and training to snap a bat through the line of a ball with astounding power and precision, swinging fists as hard as he can at men with none of those advantages. Punching so hard that he breaks his hand, and repeatedly shoving away a friend so he can punch some more. Frightened and threatened by two targets shouting ‘Get back!’ and ‘Stop!’
The off-duty officer testified that Stokes ‘seemed to be the main aggressor or was progressing forward trying to get to’ Ryan One, who was ‘trying to back away or get away from the situation’. The student who filmed the video can be heard on the tape at one stage exclaiming ‘Fuck!’ and testified that it was because ‘I felt a little bit sorry about the lad that had been punched and it looked like he had his hands up’. That tallied with the prosecutor’s depiction of ‘a sustained episode of significant violence that left onlookers shocked at what was taking place’.
The defendant stuck to his strategy. ‘No, my sole focus was to protect myself.’ All up, in the 33 seconds of footage after he falls over, Stokes takes 35 steps forward to keep hitting two men who keep trying to get away. Not once is he hit back.
After the verdict, Stokes’ solicitor positioned him as the victim. It had been ‘an eleven-month ordeal for Ben … The jury’s decision fairly reflects the truth of what happened that night … He was minding his own business … It was only when others came under threat that Ben became physically engaged. The steps that he took were solely aimed at ensuring the safety of himself and the others present …’ The statement was impossibly self-righteous and self-absorbed.
If there was anyone to feel sorry for it was Ryan Hale, the second of our two Ryans. He’s the one who emerged from the club with a friendly arm around the shoulder for Kai and Billy. He’s the one who interposed himself to end the fight, then kept putting himself back in the firing line, trying to calm an intimidating stranger while dodging blows. For his show of restraint he got laid out regardless, concussed in the street, then was issued a criminal charge equal to that of the man who hit him, and described in national media as a violent bigot in an untested story to support that man’s defence.
Lawyers for Ryan Two made a more convincing post-trial statement, noting that Kai and Billy, ‘neither of whom were relied upon by the prosecution or the defence team for Mr Stokes, have taken the opportunity to speak with various media outlets about the alleged homophobic abuse that they received in the early hours of September 25. Mr Hale has passionately denied this allegation throughout the course of this case,’ it continued.
‘It is upsetting to Mr Hale that although he was acquitted, the accusation that he was the author of such abuse remains. Both Mr Hale and Mr Ali were knocked unconscious by Mr Stokes, and although Mr Stokes has been acquitted of an affray, Mr Hale struggles with the reasons why the Crown Prosecution Service did not treat him as a victim of an unlawful assault.’Good question. Avon and Somerset police were the investigating force, and they were frustrated by the decision. Ryan Two was filmed clearly not hurting anyone, but police were instructed by the CPS to proceed with a charge. Hales (the cricketer) was filmed fighting but ‘a decision was made at a senior level of the CPS’ not to proceed. Police expected Stokes to be charged with assault but the CPS declined. It doesn’t take a wild cynic to think that placing the same lukewarm charge on three men for vastly divergent behaviour might ensure that none would be convicted, even as the trial would maintain the pretence that a defendant of influential standing had not been given a free pass.
A couple of years down the line, the original interview with Kai and Billy has disappeared. All traces have been scrubbed from The Sun website, its social media history, and even from the Wayback Machine internet archive. Given its headline of ‘homophobic thugs’ and text that names Ryan Two but not Ryan One, the libel liability isn’t hard to spot. Later interviews with Kai and Billy take the passive voice – they ‘suffered homophobic slurs outside a Bristol nightclub’.
The article that was once claimed to exonerate brave Ben Stokes now links only to a missing content page, with a picture of a dropped ice-cream cone and the phrase ‘legal removal’ inserted into the web URL. In terms of consequences, Stokes missed one tour. When he resumed his career in January 2018, the Australians hadn’t yet ruined theirs. Their year-long bans looked much more stringent. But the Stokes case dragged on in other ways. With no criminal liability, the Australians confessed promptly enough for the sporting world to give them the full length of the lash. Their situation was ugly but there was closure. Stokes got stuck in legal stasis, unable to be fully backed or condemned. Instead his issue was always present, a browser full of open tabs that the ECB swore they would read any day now.
Through 2018 Stokes was back but he wasn’t back, in the sunglasses and finger-guns sense. In his return one-day series he nearly cost England a match with 39 from 73 balls in Wellington. His first Test hit was a duck as England got rolled in Auckland for 58. At Trent Bridge while Stokes was injured, England posted a world record 481 against Australia. With Stokes three weeks later at the same ground they made 268. He crawled to 50 from 103, the second-slowest any Englishman had reached that milestone in 20 years. That span covered Alastair Cook’s whole career. It was apologetic batting, acting out responsibility via the scorecard. Stokes was creeping back into the team like he’d been kicked out in a blazing row and was hoping to tip-toe to the sofa.
It was December 2018 before the ECB disciplinary committee ruled on him and Hales. In a ‘remarkable coincidence’, wrote Simon Heffer in The Telegraph, ‘the punishment both players faced in terms of bans from playing at international level was covered by the amount of games they had already missed when dropped by England’s selectors, in the furore that followed the incident’. The verdict compounded the omissions around the case by not addressing the violence at its heart. Nor did Stokes, apologising only ‘to my team-mates, coaches and support staff’, and then ‘to England supporters and to the public for bringing the game into disrepute’.
The implicit next step was to rebuild that reputation. It might have been easier had his court defence not meant that he wasn’t game to admit any fault at all. It might have been easier if he or his advisers had been willing to change tack once the trial was done. Imagine a world where Stokes had stood outside court and apologised for overreacting, for the injuries he’d caused, and for the time and energy he had sucked out of other people’s lives. That would have been a show of responsibility beyond a scorecard. When the time came around to assess forgiveness, it might have meant forgiveness was deserved.
submitted by wingzero00 to Cricket [link] [comments]

Clive Palmer says a casino on board his Titanic replica cruise ship should be reserved for those travelling in first class, with pensioners banned entirely.

Clive Palmer says a casino on board his Titanic replica cruise ship should be reserved for those travelling in first class, with pensioners banned entirely. submitted by lna4print to australia [link] [comments]

My 2021 Portfolio

Albeit a week late, I want to share my 2021 portfolio for documentation purposes and for whoever is interested. I aimed to balance risk in this portfolio with some growth names and legacy plays. Down to brass tacks, I am putting my money in the highest quality companies (in my view) across a diverse set of industries I find attractive. Some of these names are overvalued in the short term. However, I have realized I am not in the business of beating Wall Street’s pricing, but would rather hold high-quality companies that I believe will grow faster that the market in the long term. In other words, I am totally fine paying a short-term premium for growth and quality. Below is a summary of the portfolio and big picture reasoning behind each investment. I'm definitely open to any feedback.
Company Ticker Entry Price Exposure
ARK Genomic Revolution ETF ARKG $93.26 6.60%
CrowdStrike CRWD $211.82 11.78%
Disney DIS $181.18 10.53%
Enphase Energy ENPH $175.47 7.98%
Evolution Gaming Group EVVTY $101.02 12.77%
Facebook FB $273.16 11.05%
Redfin RDFN $68.63 10.41%
Teladoc TDOC $199.96 9.60%
Sea Ltd SE $199.05 14.09%
Waste Connections WCN $102.57 5.19%
ARK Genomic Revolution ETF (BATS: ARKG) - Invests in companies advancing genomics. The companies held in ARKG may develop, produce or enable: CRISPR, Targeted Therapeutics, Bioinformatics, Molecular Diagnostics, Stem Cells, Agricultural Biology.
CrowdStrike (NASDAQ: CRWD) - Cybersecurity technology company that provides endpoint security, threat intelligence, and cyber attack response services.
Disney (NYSE: DIS) - Worldwide entertainment company that you all are probably familiar with.
Enphase Energy (NASDAQ: ENPH) - Designs and manufactures software-driven home energy solutions that span solar generation, home energy storage and web-based monitoring and control.
Evolution Gaming Group (OTC: EVVTY) - Swedish company that develops, produces, markets and licenses integrated B2B live casino solutions for gaming operators.
Facebook (NASDAQ: FB) - Enables people to connect through devices. It’s products include Facebook, Instagram, Messenger, WhatsApp and Oculus.
Redfin Corporation (NASDAQ: RDFN) - Provides residential real estate brokerage services.
Teladoc Health (NYSE: TDOC) - Provides virtual healthcare services on a B2B basis to its clients and provides services to consumers directly and through channel partners.
Sea Ltd (NYSE: SE) - Digital entertainment, electronic commerce, and digital financial services. The Company operates three business segments: Garena, Shopee, and SeaMonkey. The Company’s digital entertainment business, Garena, is a global game developer and publisher with a presence in Southeast Asia, Taiwan, and Latin America. Garena provides access to mobile and personal computer online games. Shopee provides users with a shopping environment that is supported by integrated payment, logistics, fulfillment, and other value-added services. SeaMonkey business is a digital financial services provider. SeaMonkey offers e-wallet services, payment processing, credit related digital financial offerings, and other financial products.
Waste Connections Inc. (NYSE: WCN) - Waste services company that provides non-hazardous waste collection, transfer, disposal and recycling services.

P.S. I have two other accounts - one with about 40 growth stocks and another with about 10 big names / ETFs. However, this portfolio has the largest allocation for 2021. My first time trying a more concentrated approach.
submitted by bull_doze to investing [link] [comments]

[End of Dragons] Ideas for 9 new Canthan elite specializations

Few new elite specialization ideas for the Canthan expansion, with no new weapon types involved:

Elementalist: Skyfire

Mesmer: Trickster

  • Gain Spectres instead of Clones. Spectres are weaker than clones, but replicate themselves on destruction, reducing their size and power. A normal spectre will spawn two medium spectres, a medium spectre will spawn two small spectres, and a small spectre won't replicate any further. Shatter skills affect all spectres no matter their size, adjusting their strength to the size of each shattered spectre.
  • You can wield the Shortbow weapon in combat. All five shortbow skills work as channeled skills, employing multiple consecutive projectiles at once. Each of these projectiles is weaker individually, but their combined effect has the same strength as any common ranged weapon. When all the projectiles hit their target, the strength of the combined effects double.
  • Gain access to Shout slot skills. Shout effects are divided in three phases, each triggered by one of the three spectre sizes. The first phase is triggered by the mesmer and normal spectres, the second by medium spectres, and the third by small spectres. Completing the three phases will unlock an additional fourth effect, triggered by all spectres at once. Shouts are inspired by Canthan poetry, each phase covering one out of four verses.

Necromancer: Apothecary

  • Gain Plague Bomb, Toxic Pollen, Afflicted Miasma, Scarab Spore, and Plague Shroud instead of Death Shroud. Plague Bomb throws an explosive to the target area. Toxic Pollen, Afflicted Miasma, and Scarab Spore work as enchancements for your bombs. Activate and combine them to modify the effects of your plague bomb, leading to a total of eight possible combinations. Plague Shroud turns the necromancer into a walking combo field. All plague skills consume life force.
  • You can wield the Pistol weapons in combat. Pistol skills gain additional effects depending on the active plague enhancements.
  • Gain access to Elixir slot skills. Elixirs work as ammunition skills, consume their charges sparingly to gain various passive effects, or consume them all at once to induce a frontal area of effect vomit attack.

Engineer: Dreadnought

  • Gain Dreadnought Suit and Phase Shield instead of tool belt skill five. Activate the Dreadnought Suit to drive your own combat armor, gaining alternate tool belt and weapon skills for all your engineering kits. Phase Shield will replace your endurance bar while the dreadnought suit is active, sacrificing dodge rolling in exchange of a bonus health bar.
  • You can wield the Mace weapons in combat. Mace skills are inspired by the core engineer Tool Kit utility skill, which has been removed and replaced by a new gadget elite skill. Additionally, maces are not exclusive for the dreadnought elite specialization, and once unlocked can be used by the core profession and any other elite specializations as well.
  • Gain access to one new healing engineering kit, one new utility gadget, one new utility elixir, one new utility engineering kit, one new utility turret, and one new elite engineering kit. These new slot skills are exclusive for the dreadnought elite specialization.

Ranger: Bulwark

  • Gain Pet Focus instead of Pet Swap. Both pets are deployed in combat simultaneously, pet focus letting you command the beast skills of one pet at a time.
  • You can wield the Shield weapon in combat. The fifth weapon skill turns defensive mode on and off, reducing your movement speed in exchange of alternate weapon skills. This affects the fourth shield skill, as well as all three skills from main-hand axe, main-hand spear, and main-hand sword.
  • Gain access to Venom slot skills. Venom effects are applied to the ranger, both pets, and up to four other nearby allies. Once used against a target enemy, their negative effects stack, increasing their strength the more hits the target receives.
  • Find and tame Juvenile Crab, Juvenile Eel, and Juvenile Phoenix pets during your journey across Cantha.

Thief: Shadowblade

  • Gain Shadow Blade and Shadow Strike instead of Steal. Shadow Blade summons an exact copy of the thief, with half the attributes and health. This shadow blade companion will follow the thief for ten seconds, mimicking all of his actions within a delay of two seconds. Shadow Strike commands the companion to shadowstep to the target foe and gain a stolen skill.
  • You can wield the Greatsword weapon in combat. The first weapon skill has five chain steps instead of the usual three. Weapon skills two to five gain stronger effects the further the chain progresses, and will not interrupt it when used. Successful hits by the shadow blade will count as a step forward for any chains on progress, greatsword or not.
  • Gain access to Stance slot skills. Stance effects are applied simultaneously to both the thief and the shadow blade.

Guardian: Spiritcaller

  • Gain Virtue Attunement instead of Virtue Activation, Just was Xun Rao instead of Virtue of Justice, Resolute was Reiko instead of Virtue of Resolve, and Courageous was Ashu instead of Virtue of Courage. Attune to a virtue to strengthen its passive effect, disabling the effects of the other two virtues in the process.
  • You can wield the Warhorn weapon in combat. The warhorn gains alternate weapon skills depending on the active attunement.
  • Gain access to Spirit slot skills. Just like warhorn skills, spirits gain different effects depending on the active attunement.

Revenant: Windwalker

  • Gain Wind Walk instead of dodge rolling. Hold the dodge key to dash instead of dodging, dash distance increasing the longer you hold down.
  • You can wield the Greatsword weapon in combat. Weapon skills two to five work as charge skills, gaining stronger effects the longer you hold down. Wind Walk does not cancel charge skills, giving it good synergy with greatsword skills.
  • Invoke the power of the legendary tengu windwalker, Tsuru Whitewing, and gain access to Legendary Windwalker slot skills. All five windwalker skills depict famous tengu paintings, representing different events across tengu history. Skills six to nine represent how each of the four tengu houses came to be, in turn inspired by the four winds. The elite skill, "The Great Wave off Shing Jea", represents the Great Tsunami itself, and the culmination of the tengu journey.

Warrior: Thunderlord

  • Gain Thunder Bell instead of Burst weapon levels 2 and 3. Thunder Bell summons a mystical cannon bundle, which can alternate between ranged and melee modes through weapon swap. Carry it on your left shoulder to fire thunderbolts against your enemies, or use both hands to wield it as a blunt weapon and crush them at close combat. Thunder Bell is considered a level 2 burst skill, and once activated, both the ranged and melee versions will replace the previous weapon bursts with their own level 3 burst skills.
  • You can wield the Staff weapon in combat. Weapon skills two to five work as sequence skills, unlocking additional skills on successful hits.
  • Gain access to Preparation slot skills. Preparations gain stronger effects depending on individual adrenaline thresholds.
Some lore tidbits, for those interested:
  • Elementalist - Skyfire: Ancient naga battlemages, brought back from the dead as the frozen waters of the Jade Sea brim with life once again. Horrorized at the woes of the modern world, they gather the Luxon clans and the kappa tribes for war.
  • Mesmer - Trickster: Members of the Jade Sisterhood, they run the brothels, casinos, and theatres of Kaineng City. They specialize on blackmail, bribery, and deception. Their influence seeps deep into the Canthan aristocracy, making them impervious to the law.
  • Necromancer - Apothecary: Cultists of the Am Fah, self-proclaimed freedom fighters for the lower classes and lesser races of the empire. They will stop at nothing to overthrow the emperor, resorting to biological terrorism if necessary. After all, they can always blame the Celestial Ministry.
  • Engineer - Dreadnought: The noble men and women who drive the war machines of the empire, their combat armors admired and feared by allies and enemies alike. Rumor says their cannons are powered by the spirits of ancient deities, imprisoned by the dark sorcerers of the empire.
  • Ranger - Bulwark: Elusive beastmasters of the sidhe race, renown wardens of the Echovald Forest. Driven crazy after the Jade Wind, few survived to regain their sanity. As the Kurzick rebels and their dredge allies expand carelessly across the forest, conflict will once again be inevitable.
  • Thief - Shadowblade: Assassins of the Obsidian Flame, gone rogue after the guild was disbanded by the Celestial Ministry. They wage a secret war against the empire's corruption, supported from the inside by the remaining loyalist factions. Their numbers are thin, but their resolve unshakeable.
  • Guardian - Spiritcaller: Forefront of the Celestial Ministry, guardians of tradition, followers of the old ways, and the last remaining ritualists of Cantha. Mouthpieces for the imperial propaganda, they channel the echoes of the fallen heroes of the empire, binding the spirits of criminals to their service.
  • Revenant - Windwalker: Elite tengu bodyguards and executioners, they pay for the crimes of their Sensali ancestors with lifetime service and utmost devotion to the human imperial throne, deeming their brothers beyond the sea as nothing but despicable traitors.
  • Warrior - Thunderlord: Warrior monks of the Sai Ling Order, they commune with the Great Celestials to channel their might, embarking on quests across the countryside in search of deeper enlightenment, vowing to, one day, become Closer to the Stars.

Bonus: New weapon types

Few new weapon type ideas, for a total of 18 ground weapons:
As part of a new player experience, each core profession would unlock some of the old and new weapon types for free, without any elite specialization requirements:
  • Elementalist: Greatsword, Polearm.
  • Mesmer: Pistol (main-hand), Warhorn.
  • Necromancer: Axe (off-hand), Polearm.
  • Engineer: Scepter, Knuckles (main-hand and off-hand), Focus.
  • Ranger: Spear.
  • Thief: Spear, Knuckles (main-hand and off-hand).
  • Guardian: Spear.
  • Revenant: Axe (main-hand), Mace (off-hand), Knuckles (main-hand and off-hand).
  • Warrior: Polearm.
Further unlocks would become possible through either new elite specializations or additional updates to the core professions. Note that this section is independent from the new elite specialization ideas.
Had these gathering dust for quite a while now, figured I'd rewrite and post them.
Hope you liked the read!
EDIT: Same thread at the official forums.
submitted by Lon-ami to Guildwars2 [link] [comments]

[Bloomberg Business] Billionaire Tom Barrack says casino mogul Steve Wynn is a “first-class human being” https://t.co/k5umdEGAHB https://t.co/vAKNZh6LBZ

[Bloomberg Business] Billionaire Tom Barrack says casino mogul Steve Wynn is a “first-class human being” https://t.co/k5umdEGAHB https://t.co/vAKNZh6LBZ submitted by jeff98379 to newstweetfeed [link] [comments]

[Bloomberg Business] Billionaire Tom Barrack says casino mogul Steve Wynn is a “first-class human being” https://t.co/XwnRQ9Gbj4 https://t.co/WVrpCGnlPz

[Bloomberg Business] Billionaire Tom Barrack says casino mogul Steve Wynn is a “first-class human being” https://t.co/XwnRQ9Gbj4 https://t.co/WVrpCGnlPz submitted by jeff98379 to newstweetfeed [link] [comments]

Gov. Wolf, Sec. of Health Announce New Protective Mitigation Efforts to Put Pennsylvania on Pause through Early January

Gov. Wolf, Sec. of Health Announce New Protective Mitigation Efforts to Put Pennsylvania on Pause through Early January
https://www.governor.pa.gov/newsroom/gov-wolf-sec-of-health-announce-new-protective-mitigation-efforts-to-put-pennsylvania-on-pause-through-early-january/
As COVID-19 cases continue to rise, Governor Tom Wolf and Secretary of Health Dr. Rachel Levine today implored Pennsylvanians to take the next three weeks and stand united against the virus by adhering to existing mitigation orders and stricter efforts announced today.
“Today I am announcing additional, temporary COVID-19 protective mitigation measures in the commonwealth,” said Gov. Wolf. “With these measures in place, we hope to accomplish three goals: First, stop the devastating spread of COVID-19 in the commonwealth. Second, keep our hospitals and health care workers from becoming overwhelmed. And third, help Pennsylvanians get through the holiday season – and closer to a widely available vaccine – as safely as possible. This is a bridge to a better future in Pennsylvania.”
The new, limited-time mitigation orders take effect at 12:01 a.m. on December 12, and remain in effect until 8 a.m. on January 4, 2021.
“Each of the last two days we have reported the highest number of deaths since the beginning of the pandemic,” Dr. Rachel Levine said. “In the past week, we have reported close to 1,100 new deaths from COVID-19 across Pennsylvania. The virus continues to strain our health care systems and the dramatic rise in cases among all age groups, including among school-age children, is alarming. Since the start of the pandemic, there have been more than 37,500 cases among children age 5 to 18, yet 9,500 of those cases occurred in the past two weeks.”
The Order provisions outlined here are accompanied by supportive data used in part to make these decisions. The data provides a sampling of research that supports why limiting gatherings, reducing occupancy, and temporarily suspending some activities, among other efforts, are considered vital to stopping the spread of COVID-19.
Two recent studies, one by Yale University and one by Stanford University, substantiate more than one of these mitigation efforts. Links to the full studies and additional data and research can be found on the Department of Health’s data page, here.
Limited-Time Mitigation efforts announced today include:
In-Person Dining and Alcohol Sales
  • All in-person indoor dining at businesses in the retail food services industry, including, but not limited to, bars, restaurants, breweries, wineries, distilleries, social clubs, and private catered events is prohibited.
  • Outdoor dining, take-out food service, and take-out alcohol sales are permitted and may continue, subject to any limitations or restrictions imposed by Pennsylvania law, or this or any other Order issued by the Sec. of Health or by the governor.
Multiple studies have found indoor dining to drive case increases and fatalities. A study by JP Morgan analyzed credit card spending of more than 30 million Chase cardholders and Johns Hopkins University’s case tracker and found that higher restaurant spending in a state predicted a rise in new infections there three weeks later. Additionally, research from Stanford University found that restaurants accounted for a significant amount of new infections while research from Yale University found that closing restaurants reduced fatality rates.
Indoor Gatherings and Events
  • Indoor gatherings and events of more than 10 persons are prohibited.
  • Churches, synagogues, temples, mosques, and other places of congregate worship are specifically excluded from the limitations set forth above during religious services, these institutions are strongly encouraged to find alternative methods for worship, as in person gatherings pose a significant risk to participants at this time. While this an incredibly difficult recommendation to make, particularly at this time of year, faith leaders must carefully weigh the health risks to their congregants given the immense amount of community spread of COVID-19.
A new study from Stanford University and published in the journal, nature, used cellphone data collected from 10 U.S. cities from March to May to demonstrate that restaurants, gyms, cafes, churches and other crowded indoor venues accounted for some 8 in 10 new infections in the early months of the U.S. coronavirus epidemic.
Outdoor Gatherings and Events
  • Outdoor gatherings and events of more than 50 persons are prohibited.
According to a Yale University study, limiting outdoor gatherings was among consistent policies found to reduce fatality rates.
The CDC states that medium-sized outdoor gatherings carry a higher risk of COVID-19 spread, even with social distancing. CDC notes that the more people an individual interacts with at a gathering and the longer that interaction lasts, the higher the potential risk of becoming infected with COVID-19 and COVID-19 spreading, and that the higher the level of community transmission in the area that the gathering is being held, the higher the risk of COVID-19 spreading during a gathering.
Capacity Limits for Businesses
  • All in-person businesses serving the public may only operate at up to 50% of the maximum capacity stated on the applicable certificate of occupancy, except as limited by existing orders to a smaller capacity limit.
The same Stanford University study that collected cellphone data also noted that limiting indoor capacity can reduce COVID-19 transmissions.
Gyms and Fitness Facilities
  • Indoor operations at gyms and fitness facilities are prohibited.
  • Outdoor facilities and outdoor classes can continue, but all participants must wear face coverings in accordance with the Sec. of Health’s Updated Order Requiring Universal Face Coverings, including any subsequent amendments, and practice physical distancing requirements.
According to a Yale University study, closing businesses like gyms was among consistent policies found to reduce fatality rates.
Entertainment Industry
  • All in-person businesses in the entertainment industry serving the public within a building or indoor defined area, including, but not limited to, theaters, concert venues, museums, movie theaters, arcades, casinos, bowling alleys, private clubs, and all other similar entertainment, recreational or social facilities, are prohibited from operation.
The CDC puts movie theaters and other indoor settings on its list of higher-risk activities for contracting COVID-19.
In-Person Extracurricular School Activities
  • Voluntary activities sponsored or approved by a school entity’s governing body or administration are suspended, but these extracurricular activities may be held virtually. This includes, but is not limited to, attendance at or participation in activities such musical ensembles, school plays, student council, clubs, and school dances.
Our top priority is stopping the spread of this virus so students and teachers can return to their classrooms as soon as possible. Data from the Department of Health notes that one-quarter of the cases of COVID among school-age children have occurred within the past two weeks, increasing the need to keep children safe outside of school so that they can return to classrooms.
K-12 School Sports and Youth Sports
  • All sports at K-12 public schools, nonpublic schools, private schools and club, travel, recreational, intermural, and intramural sports are paused.
The Pennsylvania Principals Association is recommending a delay to the start of the winter sports season. The surge in cases among school-age children increases the risk that asymptomatic participants will spread the virus at a game or practice, in the locker room, while traveling to and from events, or at team meals, parties or other gatherings.
Professional and Collegiate Sports
  • Professional or collegiate sports activities may continue in accordance with guidance from the CDC and the Department of Health.
  • Spectators may not attend such sports activities in person.
The CDC warns large gatherings create a high risk of COVID-19 spreading.
“We know that COVID-19 thrives in places where people gather together,” Gov. Wolf said. “Therefore, these mitigation measures target high-risk environments and activities and aim to reduce the spread of this devastating virus.”
According to Yale University research, mitigation measures such as mandatory mask requirements, and gym and restaurant closures are policies that most consistently predict lower four- to six-week-ahead fatality growth.
“The work we do now to slow the spread of COVID-19 is not only crucial to keeping our fellow Pennsylvanians safe and healthy,” Gov. Wolf said. “It will help all of us get back to normal, and back to all of the things we’ve missed, faster. And it means more Pennsylvanians will be alive to celebrate that brighter future. This year, we show our love for our families and friends by celebrating safely and protecting one another.”
Gov. Wolf Limited-Time Mitigation OrderSec. Levine Limited-Time Mitigation Order
Frequently Asked Questions
Gov. Wolf Amended Mitigation, Enforcement, and Immunity Order
edited to add a TL;DR visual:
https://preview.redd.it/szqfy8kmxf461.jpg?width=1080&format=pjpg&auto=webp&s=d140dfd06ce3bc91e14528c86eb100ec139bd698
submitted by jkibbe to CoronaVirusPA [link] [comments]

Google, one of the biggest tech companies is running a scam. Their GOOG stock is a Pyramid scheme. Can you debunk this?

GOOG is a C class stock without voting rights and it doesn’t pay dividends, and they said that they will not pay them in the future. The company explicitly said in its 2017 annual filing with the Securities and Exchange Commission that "we intend to retain any future earnings and do not expect to pay any cash dividends in the foreseeable future." Google states the "par value” (the amount Google owes you for the stock) of each GOOG stock is 0.001$ US Dollars. Yet each stock is sold at 1700$ in the stock market.
Why does one buy a GOOG stock? To make money. But since GOOG doesn’t pay dividends, the only way to make money is by selling it to other investor at a higher price. But that investor is buying that stock from him, to also make money, by selling it to others at a higher price. And if everyone is buying GOOG stock to sell it to someone else at a higher price, then what real value GOOG stocks have?
If you come to Alphabet inc and show them your 1700$ stock and told them to repay it, they will pay you 0.001$ US Dollars.
So the only way you can make money, is by taking money generated by new investors.
Definition of a Ponzi Scheme: “A Ponzi scheme is a fraudulent investing scam which generates returns for earlier investors with money taken from later investors. Ponzi schemes eventually bottom out when the flood of new investors dries up and there isn't enough money to go around. At that point, the schemes unravel.” So if GOOG is a ponzi scheme, when do investors dry up and the scheme is unraveled like other Ponzi schemes? The unraveling gets hidden, because It is masked as a bubble burst.
When the new investors stop buying stocks, last investors holding that stock cannot sell them at a higher price and the price of the stock crushes, we call it a bubble burst.
If GOOG doesn’t give any money to its investors, and only source of money for investors are new investors, than it’s a zero sum game. Like a gambling game with other people, but with fees attached to be able to play at a casino, in this case Google.
But it isn’t advertised as a gambling, GOOG is advertised as an investment by Alphabet, making clueless investors buy GOOG stocks, not knowing that its just a zero sum gambling. This is at the edge of criminality. I don’t even know how is it legal.
The simple truth is, GOOG is a Ponzi scheme, being advertised as an investment, when in reality it’s a zero-sum gambling game where the winners are those who sell them first before others, and if everyone knew that it was a zero sum gambling, GOOG stock price would crush right now and no one would want to buy it anymore.
What do you guys think? Can you play devil's advocate?
submitted by Parasat16 to badeconomics [link] [comments]

Class Trial 66: The Murder of Sonia Nevermind - Part 2: 2ndMIX

What if, like, there was an alternate universe where bears could beat the crap out of chimps?
And it would be, just. Wow. The animal mind is really something else.
A beary good buddy of mine the other day went hunting for elk out in the Pacific Northwest.
Don't know why he couldn't keep a straight face. Might've been the DMT.
Hey, Jamie! Pull that Trial thread up!

Truth Bullets

Truth Bullet Supplements

* Click HERE to access all available and relevant Trial supplements, including visual aids.

Cast - Main Course

Reserve Course

You all are doing a good job so far playing with the evidence. Keep doing that.
submitted by roflcopterpilotx to DanganRoleplay [link] [comments]

Fri. Jan. 9 Daily HUT Content - What is new?

Finally Fantastic, Fun Fridaaayyy! How was everyone’s second Friday of 2021!? Good!? Bad!? What! Leettt me knoww, down beloww!!
Here’s the new cards for today, Thanks EA!
(Sets will be in separate post, but in with the post here redirecting to it — eating DQ cake first tho)

Silver Master Icons

Brad Park - 90 OVR - BOS / LD - (2) SWA , HOW .. should I upgrade my birthday pull?
Darryl Sittler - 90 OVR - TOR / C - (2) DIS , SPE ... I was gonna grab one.. I shouldve..
—-

Master Set Players

Sebastian Aho - 92 OVR - KÃR / C - (1) SWA , GLA , SH
Sebastian Aho - 92 OVR - KÃR / C - (1) BAL , PP , WM
Rasmus Dahlin - *92 OVR - IND / LD - (1) BAR , SPE , SH
Rasmus Dahlin - 92 OVR - IND / LD - (1) DIS , GLA , PP
William Karlsson - 92 OVR - VIK / C - (1) SPA , PP , LTL
William Karlsson - 92 OVR - VIK / C - (1) BAR , WH , MAG
Timo Meier - 92 OVR - LAK / RW - (1) DIS , MAG , GLA
Timo Meier - 92 OVR - LAK / RW - (1) H and S , HOW , WM
Jakub Silfverberg - 92 OVR - BRY / RW - (1) BAL , MAG , WH
Jakub Silfverberg - 92 OVR - BRY / RW - (1) SPA , LTL , PP
Sami Vatanen - 92 OVR - JYP / RD - (1) SPA , PP , GLA
Sami Vatanen - 92 OVR - JYP / RD - BAR , SH , WH
SET Req. 1 HC Collect , 12 GCs. Receive - Sami V.
——. // —— ///
Roope Hintz - 90 OVR - IFK / C - (1) SWA , SPE
Henrik Zetterberg - 90 OVR - TIM / C - (1) SPA , T
Erik Gustafsson - 88 OVR - LUL / LD - (1) BAL , GLA
Arttu Ruotsalainen - 88 OVR - ILV / LW - (1) BAR , WM
Julius Nattienen - 87 OVR - AMB / C - (1) DIS , LTL
Emil Pettersson - 87 OVR - LAK / C - (1) H and S , HOW
Vili Saarijarvi - 87 OVR - LUK / RD - (1) SWA , SH
Janis Jēröme Moser - 87 OVR - EHC / LD - (1) SPA , MAG
Martin Ruzicka - 86 OVR - TRI / C - (1) SWA , SH
Dominique Heinrich - 85 OVR - SAL / LD - (1) BAR , WM
Mathias Niederberger - 85 OVR - BER / G - 5’11” / 176 lbs - (1) DIS , SPA
Daniel Pietta - 85 OVR - PIK / C - (1) BAL , HOW
——

Primetimes

NHL

Jeff Petry - 87 OVR - MTL / RD - (1) WM ... *
Tuuka Rask - 87 OVR - BOS / G - 6’3” / 176 lbs (1) BAR ... *
Milan Lucic - 87 OVR - CGY / LW - (1) GLA ... *
Damon Severson - 84 OVR - NJD / LW - (1) PP ... *
Jason Spezza - 84 OVR - TOR / LW - (1) Syn ... *
Luke Kunin - 81 OVR - NAS / LW - (1) MAG ...

Other Leagues

Moritz Seider - 88 OVR - ROG / RD - (1) SH ... *
Viktor Fasth - 83 OVR - LAK / G - 6’0” / 181 lbs - (1) H and S ... *
Max Veronneau - 79 OVR - IK / LW - (1) BAL , GLA ... *
Cameron Whynot - 77 OVR - MOS / LW - (1) DIS , LTL ... *
James Malatesta - 77 OVR - REM / LW - (1) PP , SPA ... *
Olle Lycksell - 77 OVR - FAR / LW - (1) BAR , HOW ... *
• • • • • • • • • • - - - - - - - - - • • • • • • • • • • • •

Packs Available

6D 23H
• EURO HC SCHN. Starter Pack (UT) - 125k C / 2.5k P
15 items, inc., a random EURO HC Event Item, and Gold Collectable
• EURO HC SWE. Fika Daily Pack - 35k C / 700 P
30 items, at least 20 players with 1 82+ OVR player
• EURO HC FIN SAUN Pack - 15k C / 300 P
20 items, at least 5 players, with 3 Gold or Better players
2D 23H
• Jumbo Players Pack - 75k C / 1.5k P
20 items, all Gold Players, with atleast 18 80+ OVR Players.
• Mega Pack - 37.5k C / 750 P
30 items, at least 15 Gold Players, and 4 80+ OVR Players.
• Jumbo Premium Pack - 15k C / 300 P
20 items, at least 9 Players with at least 4 Gold Players.

Sets

You can view all the sets for players HERE!! :)
Brad Park - 90 UT - 1 x 85 Brad Park , 8 ICs
Darryl Sittler - 90 UT - 1 x 85 Darryl S , 8 ICs
———— —- ——- —— —- ——- ——- ——- —— ——

P.S.

• New Event today! EUROOSS
Silver Master Icon for Brad Park and Darryl Sittler
• Free Gold Collectable for 12 Euro Collectables available thru CHALLENGES
• New Event Challenges
NHL Revising Schedule - 6 Stars Positive
——————

What’s to Come?

• Weeeeekenddd
—————

Summary of the day

Quick Read
Best Forward of the Day (Non MSP) - Event - is HENRRIKK ZETTERBERGG OVR 90 with the syn SPAAARRKK anddd THIIIEFFF
Best Defence of the Day - Event - is ERIKKK GUSTAFSONN OVR 87 with the syn BAALANCEDD anddd GLAADIATTORR
////
Best Forward of the Day - PT - is MILAAAN LUUCICC OVR *87 with the syn GLAADDIATORR
Best Defence of the Day - PT - is MORITZZZ SEIIDERRR OVR 87 with the syn SHUUUTT DOWNN
———— —— ——— Cooolin ——-

Important Notice

Invest in yourself. Learn new skills. Learn something that will change you, and change your life for the better.
The best investment you can do make is in yourself.
But what is investing in yourself?
• Start a side hustle
• Take a class / workshop
• Prioritize Self Care / Boost your Health and Wellness
• Read
• Hire a business , life , career coach.
Once you start investing in yourself, you’ll find yourself at such a high, high feeling... and once you find your true self, there’s no stopping you. You’ll feel alive, and amazed at things you never thought you could achieve before.
You only got one life, so take as many risks, and fun things before it’s gone.. ‘cos you never know what might happen tomorrow.
Be kind. Be you. Be true. and really, just be yourself ; and I promise you’ll go far.
—— // ——- /// —— /// —— /// —— // —-

Interested in Stocks?

EA’s Stock Price, after hours - Jan. 8
$ 141.86 (usd) —- Currency Converter
we looked at the stock at $137.54 usd
—— That is a difference of ( $4.32 / 3.14 % ) —
Disclaimer - I am not a financial advisor. It is your money, please do your own due diligence. I am not responsible for your money. This is *not** advice. I added this section for an added educational purposes only. Thanks*
—— —— —— —-

NEED A SOUNDTRACK TO LISTEN TO?

WE’RE ALMOST AT 1000 SONGS!
Comment songs to add, and please give feedback! It’s much appreciated!!
I currently have “Every Morning” by “Sugar Ray” stuck in my head!
How do you guys like the playlist!? I have a friend who makes music, if you guys wanna check his music out, feel free, click Here!!
———-

Stream Hockey Games

If you click here you will be redirected to bilasport.
Bilasport is a streaming site for all your Sport needs! You can stream; NHL , NFL , NBA , MLB , Boxing / MMA , and NCAAF.
With the NHL season coming up, this is a great resource if you want to watch a game!
Bookmark it today!
I am not affiliated with Bilasport. This is just a recommendation for your entertainment needs.
——- —— —— —— —— —— —— —— —- —— —-

Fighting a Gambling Addiction?

Don’t feel scared to click here. Winning is SO much louder than losing. Know that you are NEVER alone. We are all here for eachother, and it is never too late to get help. I am here for you.
This is a VERY important thread, especially if you are new to HUT. Here!
——-
8 / 365
—— —— —— —- —- ——- —- —— ——
Thanks for reading.
I’m always welcome to feedback, please let me know what I can improve on.
If there’s anything missing, please let me know!
Take care, happy gaming! 5 DAYS TIL HOCKEY COMES! WHO IS EXCITEDD?
I am not affiliated with EA. Please don’t message me about your problems about the game, even though I find them rather entertaining. You still can, just I might not be able to help!!
• Coolin Killin It
(Life is like a puzzle, you just have to find the right piece.)
submitted by coolin68 to NHLHUT [link] [comments]

Class Trial 66: The Murder of Sonia Nevermind - Part 1: 1stMIX

Let’s suppose, hypothetically, just for the sake of the argument, that you were in need of an explanation of the rules of the Class Trial.
And, further, let’s assume that I am the one capable of providing you, in this hypothetical scenario, with such an explanation.
It must, without a doubt, logically follow that this explanation would be summarized as “you all need to find out who murdered Sonia Nevermind.”
Okay gang? The idea that it would amount to anything other than that is just silly. It’s just... wrong!
Axioms don’t care about your attitudes!

Truth Bullets

Cast - Main Course

Reserve Course

Click [HERE](LINK) to visit the Summary Sheet. (not posted as of now)

In the Summary Sheet, you can easily access alibis, catch up on key moments, and inspect materials supplementing the currently available Truth Bullets.
The Trial has finally started! Let’s get this show on the road. You have seven days to solve this case (ends 12/24 at 1900 UTC-5, 12/25 0000 UTC). I may make comments here as the Trial progresses.
submitted by roflcopterpilotx to DanganRoleplay [link] [comments]

I made the dumbest Six Old God deck and it's actually been winning games.

I've been trying to make a 6 old god deck since the new ones came out. I tried ramp druid first, and died horrifically. Casino mage. No luck. Now, I went control shaman and i've actually been winning games with this monstrosity. At Diamond 10, so unremarkable, but still it's a silly meme which is working. Old Yshaarj really shouldn't be in the deck as ruins battlecry synergies, but you can't make a meme deck and not include part of the meme. Here's the list. Other than removing an old god (which i will NOT do haha) any suggestions to make it work even better.
### Every Old God
# Class: Shaman
# Format: Wild
# Year of the Phoenix
#
# 1x (1) Unstable Evolution
# 1x (2) Beckoner of Evil
# 1x (2) Devolve
# 1x (2) Horrendous Growth
# 1x (2) Zephrys the Great
# 1x (3) Darkmoon Dirigible
# 1x (3) Haunting Visions
# 1x (3) Plague of Murlocs
# 1x (3) Zola the Gorgon
# 1x (4) Bad Luck Albatross
# 1x (4) C'Thun's Chosen
# 1x (4) Dunk Tank
# 1x (4) Hex
# 1x (5) Antique Healbot
# 1x (5) Fleethoof Pearltusk
# 1x (5) Hagatha's Scheme
# 1x (5) Loatheb
# 1x (5) Rotten Applebaum
# 1x (5) White Eyes
# 1x (6) Khartut Defender
# 1x (6) Reno Jackson
# 1x (9) Shudderwock
# 1x (10) C'Thun
# 1x (10) C'Thun, the Shattered
# 1x (10) N'Zoth, God of the Deep
# 1x (10) N'Zoth, the Corruptor
# 1x (10) Yogg-Saron, Hope's End
# 1x (10) Yogg-Saron, Master of Fate
# 1x (10) Y'Shaarj, Rage Unbound
# 1x (10) Y'Shaarj, the Defiler
#
AAEBAaoIHv4F+g71D8MWqKsC4KwC6awCya8Cy68Cz68CprwC9r0C3+kCw+oCxfMC7/cCioUDrZEDoaED/KMD4aUD/bADm9gDndgDp94D/N4Dv+ADx+ED6uED9eEDAAA=
#
# To use this deck, copy it to your clipboard and create a new deck in Hearthstone
# Generated by HDT - https://hsreplay.net
submitted by Crazyforeigner to wildhearthstone [link] [comments]

Class Trial 66: The Murder of Sonia Nevermind - Part 3: 3rdMIX

Physics, ciphers, and motives, oh my!
I'm beary impressed. Divine intervention really is a mystery-solving tool!

Truth Bullets

Truth Bullet Supplements

* Click HERE to access all available and relevant Trial supplements, including visual aids.

Cast - Main Course

Reserve Course

No comments as of now.
submitted by roflcopterpilotx to DanganRoleplay [link] [comments]

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