#average unemployed activities is crazy though
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ok i dont even know how to begin these anymore. there are so many other morally questionable cgcu characters, wayne is just the most obviously bad one, so people rag on him more. even with all the illegal shit he’s done how this guy hasn’t been to prison yet amazes me. insert better call saul reference that involves al iby here. (you can not convince me they don’t know each other. there’s a lovely fic on ao3 that includes them. “personality files (from gus lighter)” by hynessofdoom. there’s gus lighter. i’m madly in love with the writing it’s great)
his channel…it probably is popular. i just wonder if his audience realizes how evil his pranks are. the fact that he still has one makes me think that they’re all fairly young if they don’t have the ability to comprehend that he’s committing like every other crime. his audience is probably just uber young kids or people hate watching his stuff. but if he had like 20 subs that would be so funny. all this torment for what? 3 views?
his fear of confrontation. inability to handle pranks. he’s actively ruining people’s lives, and the fact that he can’t deal with it himself is hilarious. amazing, even. his life was ended by the people he tormented. there’s some poetry there, but i’m not exactly robert frost. now we just need jack to torture him for a bit.
oh, he absolutely thinks of the whole kidnapping and the multiple deaths as retribution for his actions. this is how god has decided to punish him. this is all no one’s fault but his. it makes me wonder if this is actually true or not. if cam made justin crazy, just so he could torture wayne again. we’ll never know.
wayne is a sad, pathetic man. fears things he does himself. gets killed by the ones he tortures, and gets brought back to do it all again. what a sad man.
AAAAAAAAA JUSTIN CASE UPDATE??? WHAT THE FUCK WHY DID HE JUST POST RHE SPOILERS TO THE NEXT INSTALLEMENT OF THE STROY RIGHT THERE INSREA DOF BEING LIKE YEAH IM DOING IT IM KILLING CAM RN FUCK ME (ron intended)
anywayssssss
nathaniel is dead, not very skibidi sigma of him at all but i’m not too surprised, cam’s been trying to get rid of ol’ nathan for a WHILE (besides, look at his last name. it was inevitable)
cam added a mary sue self insert oc that’s basically a god into the cgcu who’s summoned by racism and sexual jokes. damn.
i get the ending and it’s alright, but also seems anticlimactic. like cam shows up and tells justin “dude you’re a fictional made up character on the internet you’re already immortal 💀” and justin’s like “oh fr then ig i’ll stop” which isn’t that satisfying at all. i don’t like that ending the discord’s ending (ask me for an invite link if ur interested in the server, we’re all very cool) is much better since yk. it has actual character development.
personally? i don’t like this ending much and i am unsatisfied. it might be better if he actually posts it but i still don’t like it much. if only…….i finished the goddamn animation……..ughhh
also……….max? whipping it out? right there? cam you better film this part or else /hj
#it seems like i have an apologizing problem#thanks for giving me acc btw ^^ i’ll try to get this done#cameron gender#average unemployed activities is crazy though#like actually that is extremely bored guy activities#should just listen to that one bhg song smh#but he is so fun to think about get out of my brain you crazy saturated man
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March 28th-April 3rd, 2020 Creator Babble Archive
The archive for the Creator Babble chat that occurred from March 28th, 2020 to April 3rd, 2020. The chat focused on the following question:
How many hours do you work on your comic per week, and how do you manager to balance that with other responsibilities?
Holmeaa - working on WAYFINDERS
heheh So we are.. cheating a bit Both me and my coworker are unemployed, and is working on hour comic, like was it a full time job. It is our passion project, and dream that we can work and live of makeing comics. In Denmark you can apply for grants from the government, but you need to have releashed a book before that is possible. We are useing the comic, to show potentional clients in the future what we can do. For now we are working on it from 09:00-17:00 ish (with a long lunch break) while applying for other kinds of grants, and also does all the things we are supposed to to get our unemplyment money, and searching for jobs, and freelance gigs, gathering the courage to start our own small company (not right now though) and yeaah time will tell
carcarchu
@Holmeaa - working on WAYFINDERS that doesn't sound like cheating to me? more like using the tools at your disposal to turn your passion into a viable career
Holmeaa - working on WAYFINDERS
hehe it feels a little like cheating! there are some debates about if it is okay or not, but we think that strengthening our skills is a good use of our time
eli [a winged tale]
Haha also not cheating! It’s great you’re using the time to chase the dream I’m curious what’s your breakdown for those time working on the comic? As for me, usually 1-2 hours a day with a bit more on the weekend if time permits. These days with the quarantine it’s about 2-3 h a day
DanitheCarutor
Since I'm unemployed until who knows when I've been working on my comic between 40-50 hours a week about 6 to 7 days a week... most weeks. Some days, like update day or chore day, I hardly work on the comic or don't work on it at all. Admittedly I'm not the best at balancing drawing with other responsibilities, sometimes I get so into it that I forget about daily house chores, other weeks I do the opposite and only do house chores which makes me totally behind of comic stuff. I can't seem to find a good middle ground, it always turns into completely focusing on one or the other.
eli [a winged tale]
Yeah when I get in the zone, time flies and life gets put to the wayside
shadowhood (SunnyxRain)
So I have no school or work, so the webcomic has become almost a fulltime project for me
I average about 10 hours per day working on it, not counting on chores and exercise
Another thing I worry about is the possibility of carpal tunnel syndrome, which is why I've been relentless with exercise, too
I guess it's just a combination of relentless reminders and also sheer willpower that gets me to do other responsibilities haha
@eli [a winged tale] also I know that feeling
Joichi [Hybrid Dolls]
So since my school had to cancel, I have to be more responsible for my online course. Sometimes I give myself 2 days off each week to work more into my upcoming webcomic but I have to switch my mind for school work, online classes. Also extra time for food. I need to get back into exercise or I feel exhausted more easily. I keep a wall schedule so that I make it a routine to write what I'll do every 3 or 5 days, to keep my active brain reminded(edited)
LadyLazuli (Phantomarine)
I spent the majority of last year (fun)employed (partially by choice, partially not! my previous job let me go rather unceremoniously... and I needed a hiatus anyway... so it worked out) so I poured a lot more hours into that chapter of Phantomarine than I usually did. I worked on it almost every day - at least for a couple of hours, but sometimes up to a full eight-hour day. That number has dipped tremendously since I’ve gone back to work, but I’m spreading the same amount of time out in a broader way. I’m trying to get a good buffer during my hiatus, so I can work and draw in a healthy balance. I don’t have crazy overtime at my current job like I did at my last one, so that’s already a comfort. I’m confident I’ll be able to hit a good stride once the comic returns in June (edited)
eli [a winged tale]
Can’t wait Lady!!
Feather J. Fern
Two part time jobs, and school killed my comic, but I been working on getting one panel done a day, which is around 30minutes to an hour if possible.
eli [a winged tale]
My routine used to be rendering on the commute but now just once in am and once pm until this limbo time is clarified
That’s awesome Feather! It’s so rewarding when everything comes together after putting effort everyday
Feather J. Fern
Once school is done in two more weeks I will be more free to do things so I hope to get maybe two panels done in a day XD
Online school, stupid quarantine
Tuyetnhi (Only In Your Dreams!)
Due to the pandemic im mostly off school and my part time job so i spend like 4-5 hours on my comic per day. Still would like try to get a page done per day but lmao digital painting is slowwww
eli [a winged tale]
What’s everyone’s tips for breaks/stretches/balance? I feel like I certainly need to revisit these to avoid burnout and continue feeling motivated!
Feather J. Fern
Actually there was a cool manga artist who's tip was literally he only worked working hours. His mornings are free and since manga was his job, he worked form 12-6, giving him 2 hours to do other work he needs to get done, and takes morning walks and stuff.
Another person I know had "No working weekends" as a thing becuase they are a freelancer.
I personally have try to make sure I ahve a routine, and actually, stretch before drawing.
Streetch before, during a break, and then after, to keep that body nice and warmed up
keii’ii (Heart of Keol)
Health-wise there's this hing for your : every 20 minutes, look at something 20 feet away for 20 seconds. I'm not good at following this, but when I do it, it helps a lot.
Cronaj (Whispers of the Past)
Despite the current pandemic, my work-life hasn't changed much (unless you count stress getting in the way). I am currently "unemployed," but I do consider comicking my full-time job. I am also not very good at balancing work and life. Something's always gotta give. Last year, I worked at a job that basically ruined my ability to work on my comic. I worked 30-40 hours typically, ruined my sleep schedule, took work home sometimes, and was constantly exhausted. This is what resulted in my year and a half long hiatus, and it's what drove me to work like hell on my comic when I quit. Now (when I'm in the groove and not suffering from art block), I typically spend 60-70 hours on my comic and get 2-3 pages done: - 30 hours sketching (I know, ridiculous) - 5 hours filling in base colors - 20-25 hours painting - 5 hours adding text, speech bubbles, sfx, and finishing touches - 1-2 hours formatting for Webtoon I also spend some time throughout the week typing up the script, doing concept art for things coming in the future of the comic, and preparing for conventions, but I can't tell you exactly how much time.
eli [a winged tale]
Thanks for the breakdown! I’m always keen to learn from everyone and seeing how the workflow is like for different people
shadowhood (SunnyxRain)
oh don't forget to do wrist stretches!
eli [a winged tale]
Ahh formatting time is always so tedious for me!
Yes wrist exercises! Any recommendations?
shadowhood (SunnyxRain)
hmmm well the easiest one is literally just shaking it out
like every hour
and I also like to hold my arm out parallel, point my fingers up and using my other hand to pull the fingers back so i'm stretching the wrist
then I point the fingers down and pull on the fingers until my wrist is stretching
eli [a winged tale]
Awesome. Will be adopting those!
Eightfish (Puppeteer)
I'm pretty fast. 2-6 hours per page, depending on how detailed it is. Average of 3-4. I could probably do 2 pages/ week easily enough, but don't want to do more than that. I'm the kind of person who always needs to be doing a million different things. I need to leave time for my other hobbies and my paintings and my academics and extracurriculars. Otherwise I'd get burnt out doing one thing only
Holmeaa - working on WAYFINDERS
@eli [a winged tale] So since it is both me and @Q (Wayfinders: Off Course) working, we start with working on a rough each, our goal is one step (so rough, ink, color) for two pages pr day, pr person. So in a weak the goal is four finished pages a week, and then we upload 3 pages per week. So it is divided that in the morning we start at 09:00 in the morning, maybe checking mail, being practical or whatever. Then we work until 12:00 were we eat lunch, go for a long nice walk and then we go back to work between 13:00 and 14:00 ish and then work until 17:00 when we begin to prepare dinner. Then of course breaks inbetween
Q (Wayfinders: Off Course)
It’s pretty wild to be able to dedicate your entire day to comics like that
shadowhood (SunnyxRain)
damn you all work fast
do you guys have any tips on how to work on a webcomic faster?
Cronaj (Whispers of the Past)
Lol, I wish!
Still looking for those magical secrets
Eightfish (Puppeteer)
@shadowhood (SunnyxRain) You know the 80-20 rule? You can get 80% of the result with 20% of the effort? My comic is very messy if you zoom in. I don't spend time making sure the linework or the coloring is perfectly clean. Also, I'm pretty fast at drawing figures. I used to practice figure drawing a lot by rushing to draw strangers irl before they moved, or by drawing a bunch of fast figures from the free figure drawing model websites online. I've also taken a figure drawing course (didn't even have to pay because it was part of my university! Even if you don't have that option you can probably find free life drawing sessions on Meetup or similar!) which really helped me streamline my process for drawing people
shadowhood (SunnyxRain)
Oh I see! Yes, I used to take life drawing classes too! And your response makes me feel a lot better
I tend to be a bit messy with inking, and since i'm a perfectionist a lot of my time is wasted on editing/clean up
Eightfish (Puppeteer)
I've seen cronaj draw, and while I think the results look excellent, I think her method is a kind of inefficient. She draws like a printer, nearly finishing one detailed body part before moving on the the next. I think maybe if she drew in a more classical way, going from a gesture drawing to progressively more detailed, it might help her be faster and her poses more cohesive and dynamic. Maybe working on 1 or 5 min figures would help? Practicing things like this?
eli [a winged tale]
Yeah I try to do figure practices for efficiency
shadowhood (SunnyxRain)
I heard that there are some online life drawing vids you can follow too
but what are your experiences with online life drawing vids versus the real thing
like is there a real difference?
Eightfish (Puppeteer)
found some of my old 1 minutes
To me there's not too much difference
I've heard some people say that life drawing is either way easier or way harder though. Because of your depth perception when looking at a real person
But the bruises on my legs can attest to my horrid depth perception haha. That might be why I don't notice a difference
Actually those previous sketches might be 30 seconds? I don't remember
I would recommend you try both but right now we pretty much only have the online option haha
eli [a winged tale]
Yeah I’ve done both and I think irl creates complexity with depth and the interactions with others etc is helpful but online is my go to for flexibility
I think having a process streamlined will make things more efficient. The downside is that it might feel tedious and I do switch it up from time to time for variety
Eightfish (Puppeteer)
Might feel uncomfortable but that's how you know you're improving
keii’ii (Heart of Keol)
There is a TON of difference for me. I HAVE to look at a physical model in front of me.
Eightfish (Puppeteer)
Can't get better if you always do the same things
keii’ii (Heart of Keol)
This is what my brain does.
Eightfish (Puppeteer)
I wonder- could drawing yourself in a mirror be a decent substitute?
If youre lucky you might also be able to ask an SO or roommate to model for you. Should probably pay them back by cooking for them or something though
keii’ii (Heart of Keol)
Brain: sees a real model in front of me Brain: translates 3D to 2D, result: drawing Brain: sees a photo/video of a model Brain: SHIT. That's supposed to be 3D, isn't it? Brain: Translates 2D to 3D (basically re-constructing it in my head, or attempting to re-construct) so that it can translate it back to 2D Brain: BSOD
There's some online resources out there that have "3D" photos... you know, two near-identical images side by side, so if you look at it cross-eyed, it becomes 3D?
But I can't do those because I get a headache X'D
Eightfish (Puppeteer)
Just thinking about drawing from that makes me dizzy
eli [a winged tale]
Oh interesting!
Yeah maybe looking out the window to draw people would be the way to go...
Eightfish (Puppeteer)
But maybe figure drawing in VR exists?
eli [a winged tale]
Balcony figure drawings
Eightfish (Puppeteer)
I live on the top floor so those are going to be some very small figures
eli [a winged tale]
For ants
keii’ii (Heart of Keol)
Once this coronavirus thing is over, there's lots of ways you can do gesture drawings from just random people -- bus stops, cafes, museums (I have not done this, but people who have done this report this is really good because others assume you're drawing the artworks. XD)
Eightfish (Puppeteer)
I've done this a lot
Sometimes I've even shown people drawing of themselves if they've turned out particularly nice
They've always taken it well
shadowhood (SunnyxRain)
I like drawing my professors because they use hand gestures a lot when they talk
keii’ii (Heart of Keol)
Airport was REALLY good for finding people stuck in one pose indefinitely
shadowhood (SunnyxRain)
they alwayas laugh when I show them
eli [a winged tale]
Shadow omg I do that too
Draws classmates
shadowhood (SunnyxRain)
yeah the only issue i have with drawing classmates
is that they're always doing the "i'm using my phone" pose
keii’ii (Heart of Keol)
Become the master of drawing people on their phones
Eightfish (Puppeteer)
Maybe try drawing children on the playground?
This works better if you're a woman
shadowhood (SunnyxRain)
oh thank jesus
I also like going to the zoo or the museum
or the aquarium if i'm feeling adventurous
Eightfish (Puppeteer)
I am a University student so I also have some pretty interestng drawings of people asleep in weird poses
keii’ii (Heart of Keol)
I really need to start going to weekly figure drawing sessions once this is over (there's one here... 20 min drive... 8AM Saturdays )
shadowhood (SunnyxRain)
ditto or just go to the park and draw
and @Eightfish (Puppeteer) I've had some.....weird poses from all my profs
one guy was incredibly hard to draw; he was VERY enthusiastic about showing us knife skills
keii’ii (Heart of Keol)
The parks here are too spacious, to a degree where it's weird to get close enough to people
Eightfish (Puppeteer)
Bring binoculars
shadowhood (SunnyxRain)
Don't worry ma'am I'm an artist
nothing sketchy
Eightfish (Puppeteer)
(except my sketch)
shadowhood (SunnyxRain)
A+ pun right there
another place to go for figure drawing
theaters
like.....opera/plays
I once tried drawing the men dancing in the Newsies musical
Eightfish (Puppeteer)
Tried that once, but it took me out of the performance
shadowhood (SunnyxRain)
same i was dazzled by dancing men
aaaaand then i abandoned sketching at all when they started throwing newspaper strips into the audience
Eightfish (Puppeteer)
But they were giving you free paper!
shadowhood (SunnyxRain)
THEY WERE
i'll take what i can get
Cronaj (Whispers of the Past)
@Eightfish (Puppeteer) While I agree that my method of drawing is "inefficient," I do not draw like a printer. There are videos of people drawing like a printer and it's not what I'm doing. I have done gesture drawing before, but it always looked incredibly abstract, and not quite like people, which is fine, but not what I'm going for. I treat gesture drawing like a warm-up exercise. It doesn't really do anything for my end result, but gets my drawing muscles stretched out.(edited)
eli [a winged tale]
Gesture drawings are definitely a good warmup!
Eightfish (Puppeteer)
Perhaps it was an inappropriate analogy. What works for me I guess wouldn't work for everyone. I was trying to offer advice because whenever you talk about how much time you spend on art and you work life balance it's commendable but also dismaying. I hope you find something that works for you in the future
sssfrs (JOE IS DEAD)
Oh god.. I sometimes work 6 hours a day. I guess thats like 30 hours a week? Crazy to think about, it's like a full job
Oooh you guys are sharing figure drawings... I swant to show some of mine
Behold
sssfrs (JOE IS DEAD)
My figure drawing usually breaks down into like, medical anatomy study. I feel like I understand body shapes better by including the muscles & bones
carcarchu
ABS the most important figure study
Deo101 [Millennium]
ah figure drawing? I love figure drawing ^^
I do like a lot but this kinda thing is most of it
anyways as for the question at hand, I do a lot of different things for my comics weekly. My millennium pages take me 2-6 hours i would say, but I also have patreon things I need to do so I'd say i spend 10-15 hours on it a week. for my other comic, I spend about 6 hours an update, and it updates every other week. but honestly, all of my free time goes to assorted comics. If i'm not working on school work or chatting with people, I'm working on things for patreon, potential merch, or other comics I want to start sometime.
sssfrs (JOE IS DEAD)
Oooh nice poses!!’
Deo101 [Millennium]
thanks!! I have a ton of gesture/figure drawings but these ones are my most recent that I have saved to my computer i think
10 minutes im pretty sure. very good for speeding up
sssfrs (JOE IS DEAD)
Those look really nice, good values
Deo101 [Millennium]
thanks ^^ I really hate working in charcoal honestly, it kinda always winds up hurting my body somehow, but its very quick sooooooo
kayotics
My answer for the prompt question has changed a lot since I started quarantine lmao... I used to do about 10 hours of work throughout the week on my comic page (usually after work, I have an office job) but ironically it’s gotten harder while I work from home. I’ve been struggling to find time since I don’t have a separation between work and home now, and putting the boundaries up of “I’m not always available” to coworkers is difficult.
Also on figure studies: they’re a great way to practice speed. I use the concepts of figure drawings all the time.
RebelVampire
@kayotics As someone who always works from home doing remote contract work, I have to say I think this is something a lot of people underestimate about work at home life. In that it's sometimes really difficult to establish boundaries with ppl and make them understand you aren't always available and also aren't gonna work billions of hours of overtime. So I'm sorry to hear that's affecting your comic work.
Shadowmark Productions
I work anywhere from 6-8 hours a day on comic stuff. That’s an average though. Sometimes I slack and need to pull all nighters to make up for it. Yes, I am terrible at time management. They say entrepreneurs are the only people willing to work 80 hours a week for themselves so they do not have to work 40 hours a week for someone else. I guess webcomic creators are the only people willing to work 80+ hours a week so that they can... go to work for someone else afterwards
AntiBunny
4 days of procrastinating, 1 of procrastinating and hating myself, and 2 of actual comic drawing seems to make up my weekly comic making schedule. :p
sssfrs (JOE IS DEAD)
I can only imagine how stressed I would be if I forced myself to update weekly
Cap’n Lee (Flowerlark Studios)
This is a hard question to answer because it varies a lot depending on my energy levels. Ideally I’d spend several hours a day on comics, but realistically I draw as much as possible when I have the energy (5+ hours a day for as many days in a row as I can handle it) and then go weeks or months too tired to do comics. On average, barring any long periods of exhaustion or other interruptions from RL, I spend about 20+ hours a week making pages for my comics.
sagaholmgaard
I prefer to work on my comic for about an hour ever morning and maybe 2-3 hours in the evening, that's the ideal routine for me. Right now I sadly have a lot of schoolwork to do (writing my thesis) so i might get less than 30 minutes in the morning and then feel rlly tired in the evening so I dont get as much time then either. but oh well!
I can still work for 4-5 hours on the weekends so I manage ^^(edited)
chalcara [Nyx+Nyssa]
The whole stay-indoors order's currently completely wrecked my pattern, but before that I did between 3-4 hours a day.
Shadowmark Productions
Can’t imagine the stress of a daily or even weekly posting schedule. Hats off.
#ctparchive#comics#webcomics#indie comics#comic chat#comic discussion#creator babble#creator interview#comic creator interview#comic tea party#ctp
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Our 2 Kings 7 Kind of Life
Don’t you love it when God shows up?
Have you ever missed it when God showed up?
What about now?
Today, opinions are a dime a dozen. Talk to a dozen people, and you’ll get a dozen different angles on any of a dozen subjects. But in spite of our differences of opinion on any of a wide range of topics, I think we all agree on one thing these days; had I interrupted your Christmas celebration this past December (whether or not I were wearing camel’s hair and in need of a good flossing to extract locust legs from between my teeth), telling you the following list of things would all come true in less than 90 days, you would have labeled me a complete crazy man and would’ve told me to go back beneath the rock from which I had come.
“In less than 90 days,…”
1. You, over there in the Free Enterprise motor coach pullover (that would’ve been me) … you will be returning to the University of Indianapolis with the Men’s Lacrosse team from South Carolina before playing the final game of your trip–but oddly enough, both teams will be fully healthy, the weather will be ideal, and the trip will have been coasting along without a hitch. Oh, and the university’s administration will also require the other eight remaining U Indy teams, participating in their various collegiate sporting events from Florida to California and everywhere in between, to immediately return to campus as well. And, once you return, your entire fleet of buses will be emptied of fuel, removed from insurance plans, and put out of service–though all machines are mechanically sound and all drivers are healthy and available to drive.
2. And you, in the red Community Hospital valet shirt (that would’ve be my wife) … you will be in your new role in the front office of the Center for Genetic Health. But having been asked not to congregate with your co-workers in the perfectly suited and newly designed office space the hospital had just finished, you and all of your co-workers will be working from home to reschedule all patient appointments sixty days or more into the future–unless they are willing to conduct their appointment over the phone or via video-chat.
3. The NBA post-season will never happen, and the balance of the season itself will be stopped cold in its tracks at half-time of a game in the Mountain Time Zone on Wednesday, March 11th.
4. All NCAA spring athletic events will be cancelled for the remainder of the school year and March Madness won’t happen.
5. There will be no date set to begin the MLB season.
6. Grocery stores will have been unable to keep chicken, ground beef, bread and toilet paper on their shelves.
7. Gasoline will, in some places, be under a dollar a gallon, but few will be filling up.
8. The nation’s restaurants will be closed for all dine-in experiences while the fortunate will try to stay in business by doing carry-out or drive-through business only.
9. All shopping malls, strip malls, barber shops and hair and nail salons will be closed.
10. The Federal Government will be sending $1,200 tax-free cash gifts to the vast majority of American citizens.
11. The world will have a drastic shortage of personal protective equipment.
12. The Down Jones Industrial Average will suffer 3 of its worst days since the “Black Monday” market crash in 1987 in the span of less than a week, losing roughly one-third of its value in a matter of about eight days.
13. State governors will be requesting their citizens “shelter in place” by remaining home but for essential trips for food or health-related emergencies, while in some states it will be a finable offense to travel anywhere but to secure such.
14. The President and VP of the United States will be holding daily, 2-hour press briefings for weeks on end.
15. Frequent air travel will be little but a memory, international travel banned, airfares costing less than a good meal out (which will no longer be happening).
16. The President will sign a presidential memorandum that will require the likes of General Motors to begin manufacturing respiratory ventilators.
17. Dozens of privately held companies like Michael Lindell’s “My Pillow,” will be transformed into N-95 facemask factories.
18. Samaritan’s Purse will have set up and be running a fully-functioning hospital in the middle of New York City’s Central Park.
19. The United States Naval Hospital Ship “Comfort” will have been deployed to New York to help in the cause.
20. Most people will be wearing PPE masks everywhere they go.
21. All public concerts world-wide will be on hold.
22. Churches will be asked not to meet, and nearly all will comply without resistance.
23. Employees representing nearly every U.S. industry will be furloughed, let go or kept on payrolls with forgivable loans from the Fed.
24. People will be asked to stand in lines outside Lowe’s stores at six-foot intervals to ensure active shopper customer quotas are kept while both one-way entries and exits are monitored.
25. Many stores will be required to close down public access to much of their merchandise not deemed “essential,” to help support the cause.
26. Pork, chicken and other meat packing plants in the U.S. will be closing down.
27. U.S. unemployment will be at the highest rate since the Great Depression as new weekly filing claims will be counted not in the hundreds of thousands, but in the millions.
28. The nation’s, and most of the world’s movie theaters, will be closed.
29. People without facemasks will be shunned and avoided by “mask-wearers.”
30. Neighbors will be sitting in their driveways and on FRONT porches again.
31. College students will be home with their families, taking part in online classwork since all university campuses will be closed prior to semesters’ end.
32. In lieu of our celebrating athletes and Hollywood types, doctors, nurses and healthcare workers will be the new heroes.
33. People in some industries will be earning more to stay at home than while working full time.
34. The Fed will be paying the unemployed an additional $600/week over and above the state provisions.
35. All elective surgeries will be halted while hospital ORs remain unused.
36. Online church “attendance” will skyrocket, leading to thousands and thousands of new believers.
37. American celebrity musicians will be holding online “Global Citizen” concerts to raise millions of dollars to give to the World Health Organization which is being held liable for its part in enabling the death of hundreds of thousands in nearly 200 countries world-wide.
Would any of these things been plausible just a few months ago?
Obviously, this is only a partial list, and one to which most of us could quickly add another dozen. And NOTE they’re not all bad! Isn’t it just like God to orchestrate blessing in the face of difficulty?
But in my mind, these “90-days-ago incomprehensible occurrences” are not unlike the similarly baffling predictions that Elisha, in 2 Kings Chapter 7, was revealing to the king and his officer.
Here’s the short version:
Elisha replied, “Hear the word of the Lord. This is what the Lord says: About this time tomorrow, a seah [probably about 7 lbs] of the finest flour will sell for a shekel and two seahs of barley for a shekel at the gate of Samaria.”
The officer on whose arm the king was leaning said to the man of God, “Look, even if the Lord should open the floodgates of the heavens, could this happen?”
“You will see it with your own eyes,” answered Elisha, “but you will not eat any of it!”
The officer was utterly confounded. “Really? How could this be?” And to be sure, there is no way, given their circumstance at the time, they could have concocted such an unlikely series of events.
(Read verses 3-13 to learn how this mystifying prophecy actually took place.)
But then, the verdict is recorded in the later verses...
“So they selected two chariots with their horses, and the king sent them after the Aramean army. He commanded the drivers, “Go and find out what has happened.” They followed them as far as the Jordan, and they found the whole road strewn with the clothing and equipment the Arameans had thrown away in their headlong flight. So the messengers returned and reported to the king. Then the people went out and plundered the camp of the Arameans. So a seah of the finest flour sold for a shekel, and two seahs of barley sold for a shekel, as the Lord had said.”
Now the king had put the officer on whose arm he leaned in charge of the gate, and the people trampled him in the gateway, and he died, just as the man of God had foretold when the king came down to his house. It happened as the man of God had said to the king: “About this time tomorrow, a seah of the finest flour will sell for a shekel and two seahs of barley for a shekel at the gate of Samaria.” ...but your officer will not eat any of it.
What’s my point?
God often does things in ways no man would ever script. What we deem impossible is a drop in the bucket of God’s immeasurable and endless power and insight. After all, He knows the future!
But here’s what WE do.
If told of how the above-mentioned improbables would come true by late-March, we would have responded, “Oh I see. What a tragic series of events. But I understand now how that will happen. It all makes sense.”
And because it “makes sense” in hindsight, we disregard the overriding variable of the supernatural God into the equation and chalk up the now-plausible circumstance as nothing more than the “natural” occurrence of things.
No matter how crazy things get, when viewing world events on merely the natural plane, most won’t need a God to “see it.” It will all make logical, cause-and-effect sense.
In the same way, I believe much of what will lead up to Revelation 12 and is told us in Daniel 11:31 and following, will likewise “make good sense” to the mind of mankind at the time. Going so far as to think of the Anti-Christ to come, we have to assume he will not come into power forcefully, but peaceably, with the full support of a global community…one that is now forming rapidly. Yes, it will all “make perfect sense,” for the answers and charismatic leadership of the one we know is to come will help to solve what will have become the world’s most pressing and previously unsolvable complexities. And the world community will give him his prominent role.
Still, for those in Christ, let me be clear that these can be days of amazing intrigue and anticipation, not fear and worry.
But, you see, my point is that this is how God usually chooses to bring about his plans, through a course of events that will be laced in the common sense of man … so much so that even the elect would be deceived were it possible (Matthew 24:24).
BUT, He gives light to the eyes of his children. Our great and unshakeable God has let us in on his plans. We are his friends if we do what He commands (John 15:14). And as friends of the Son of God, the Son has made known us to his agenda (John 15:15).
Now, my intention is not to insinuate we are absolutely on the cusp of the rapture of the Church, or teetering at the edge of the Tribulation–though I’m also not saying that we couldn’t be, for the Father alone only knows the day of Jesus’ return for his children (Matthew 24:30-42).
What I am saying is that if we can learn anything from history, and from an acquaintance with the scriptures, we can assume that the initial events predicted in the Bible will likely “make sense” in the moment to the mind of unregenerate man.
So, one last question.
Given our current sermon series at my home church, Northview Church, I am wondering if you are listening, watching and fellowshipping with the Holy Spirit living inside you? It’s something about which I wrote in great length as well in SET FREE.
Do you know the mind of Christ? Do you have the mind of Christ?
If not, it’s time to change that. If not, you may be missing that God himself is showing up right now on planet Earth.
Place your trust in Jesus Christ. He is ready to open your eyes.
Maybe it’s time you learn more about the God who is doing something incredible right now in the midst of this unprecedented time. Maybe it’s time you gain in you the Resource that dispells anxiety and replaces it with a calm assurance the world will never understand.
You can learn more about having a relationship with Jesus here. Or, reach out to a pastor at Northview Church by texting “NEXT” to 85379 and selecting Option 2.
God is showing up right now. Don’t miss him in the details.
Keep watching.
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Wee-plies...
Or, not-so-wee-plies, as the case may be...
For @mustluvcatz-reloaded, @penig, @didilysims, @kayleigh-83, @acquiresimoleons, @holleyberry, and @verakas...
mustluvcatz-reloaded replied to your post “Does anyone out there have this thing...”
She's been active on MTS recently - maybe try there? (Or if you did, just ignore me.)
I...think I did? I can’t remember! It was a while back. And since then I deleted all my in/outbox messages at MTS, so I can’t even check. And now I don’t want to look like I’m spamming her, in case I did message her there. :\ But, if sending out a WCIF doesn’t work, then maybe I will try there again, with apologies for possible spamming/stalking. Or, maybe it’ll be trying there for the first time. Middle-aged memory, yay. :P
penig replied to your photo “Ohhhhhh, I have a bad feeling about this…. (If it’s not clear, because...”
Good thing he got that "bonus," huh?
Yeah, between that and the ~20K he already had, he wasn’t totally up the creek. :) Which is kind a shame, because otherwise he could’ve become a homeless hippie for this lot. Plantsims would make good hippies, being “one with the earth” and all, and outdoor living suits them well, since they don’t do the too hot/cold thing and rain is good for them.
didilysims replied to your photo “Ohhhhhh, I have a bad feeling about this…. (If it’s not clear, because...”
Oh gosh, is that after one offence of being in a bad mood? Harsh! Well, at least he's jobless and homeless with 40K under his belt.
Y’know, I don’t really know. I know he probably went to work in similarly bad moods before, but I didn’t look at his job perform-o-meter to really know for sure if one instance of totally-red-on-the-job was enough to do it or if it was a few times in a row. But whatever the case...Yeah, his ass was fired. :)
didilysims replied to your photo “Meanwhile, Maddie Knight, town burglar and one of Sage’s paramours,...”
That's so cool with the car! Now I want to track down my burglars and peek into their stash.
I had always wondered if burglars kept the stuff they stole. I kinda remember reading that they did, but I wasn’t sure that I was remembering right. And I don’t usually make burglars playable; I’m just testing out the jail idea here for feasibility. But then I realized I could actually check...and there the car was. :) TS2 really does have some lovely details. :)
kayleigh-83 replied to your post “Where can I find the Random Occurrences thing??”
My random occurrence generator is a really low-tech, old-school version.... I have them hand written in the notebook I keep next to the computer for Simming, numbered (I have 28 at the moment), and I ask Siri to choose a random number between 1-28. Nice and easy, very little set up, and I don't have to minimize to roll. I don't use random occurrences all the time, only when I need to spice up a round for a particular family that may be a little boring!
I would probably do that, too, but since we move around quite a lot between three houses, possibly four in the relatively near future, I try to keep stuff I have to remember to take along when we move to a minimum. So, if I can put it on the computer as opposed to having to remember to take a notebook along, it’s good. Plus, this is really simple. Just...load the program, and there the options are. :) I don’t have to minimize because I play in a window anyway. Full-screen on this big monitor just looks weird, plus I can keep my tracking spreadsheets open side-by-side with the game.
acquiresimoleons replied to your photo “Meanwhile, Maddie Knight, town burglar and one of Sage’s paramours,...”
"What did you do with the car?!" "You will NEVER FIND IT BAWAHAHAHA!"
Heh. :) Geez, it’s a car, not a body. ;) Of course, Sims can apparently stick really big things up their asses, which makes possible all sorts of crime. ;)
holleyberry replied to your photo “Meanwhile, Maddie Knight, town burglar and one of Sage’s paramours,...”
I've never seen the Social Bunny in my game O_o
I only see it in certain situations. Like this one. A single Sim locked in a section of a lot where they have no interaction with anyone, a situation that pretty much doesn’t happen in my game otherwise, because even socially-isolated hermits I’ve played have all adopted a stray dog/cat (or five) for companionship. It’d be different if there were other inmates, of course, but so far...nope. Because no one’s in the Criminal career...yet. And no other burglars have been busted so far. At least, not since the police station has existed.
penig replied to your photo “Meanwhile, Maddie Knight, town burglar and one of Sage’s paramours,...”
That mirrors what happens to the teddy. Even Nice children will cuddle it, beat it up, then cuddle it again.
Yeah, but you can excuse toddlers and children from being completely nutso. Because they’re nutso by nature until they’re fully housebroken and civilized. A few days of social isolation shouldn’t make the average adult completely lose it. :) But yeah, the game has exaggerated behaviors and all that. It’s just bizarre to watch, is all.
holleyberry replied to your photo “I like to use the random occurrence thingy in single-Sim households...”
I've considered looking into that Random Event thing.
It’s kind of fun. I really do need to put together my own set of occurrences, though. With this one, I often have to “reroll” at least four or five times before I’ll get something I can do in my game in the sense that it conforms to my rules and all. I need to put some thought into that.
And it’d be nice to have some elder-specific occurrences, maybe even an entirely separate set just for them, since many of my single-Sim households are elder households, where the kids are gone and their partner has died and they haven’t chosen to remarry. Or can’t remarry, according to the rules for the neighborhood. Often, I’ll consolidate elders in retirement communities. Might be fun to do an ROS for each resident in that circumstance...
penig replied to your photo “While her daughter was busy failing at flirting, Gwen was at what will...”
But that tunic is perfect for yoga!
Maybe. But paired with those pants, she makes my eyes bleed. My bleeding eyes trump their fashion choices. :)
holleyberry replied to your photo “Nice, Mars. *eye roll* And he looks so happy doing it, too!”
At least it's outside.
Well, there is that, I suppose. I just feel bad for all the people who barge into the house who have to wade through an ocean of dog pee to get to the front door. :\
verakas replied to your photoset “This neighborhood is weird. The residential lots are 98% recycled from...”
I love it! It looks so clean and simple! And so maxis match, I love your style.
Thank you! :) Yeah, my game is kind of weird. I build sort of Maxis-match(ish), but my Sims are totally not Maxis-match and I have a fondness for Bodyshop stuff that’s currently out of favor. :) So, my game’s style is “Stuff What I Like.”
kayleigh-83 replied to your photo “Um…Nice outfit, Amelia! And hey! She rolled the Family aspiration!...”
I for one cannot WAIT to see who she ends up with. Call me sentimental but I'm rooting for the underdog (aka the fat unemployed mechanic)
We’ll see who she finds! She just went off to college in my playing. (Where I’m about a Sim-week ahead of what’s been posted.) Of course, there’s a question of how long she’ll stay in college... She doesn’t exactly have an academic personality.
acquiresimoleons replied to your photo “Um…Nice outfit, Amelia! And hey! She rolled the Family aspiration!...”
Lmao fat unemployed mechanic. She aims high, this one
Hey, fat unemployed mechanics need love, too! I just can’t help picturing a guy in a wifebeater and grungy boxers, sitting in a recliner watching TV and guzzling beer by the gallon and Cheetos by the bagful, while she sits staring at him with stars in her eyes, heartfarting like crazy. Makes me LMAO. :)
holleyberry replied to your photo “And it was another GilsCarbo Roof Raiser™ Most likely because it was a...”
Romance Sims. So "Easy".
That’s the thing, though! Sage is a Romance Sim, but Will is Popularity. And he’s the one who pushes the whole thing. I guess maybe it’s because Sage is familiar? Familiarity doesn’t always breed contempt. Of course it’s kind of weird(er), too, because Sage is in actuality much younger than Will, even though he “appears” older, because Sage was a plantbaby with their toddler-to-adult insta-grow. So...Yeah, weird. Yet, it amuses me. :)
holleyberry replied to your photo “Mars the wee puppy grew into Mars the great big hairy...”
That is an adorably fluffy dog
He is full of floof, slobber, and loooooooove. :)
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Dow 25,000? Get Real; Robinhood’s Most Wanted … Is Carnival?
Dow 25,000? Get Real; Robinhood’s Most Wanted … Is Carnival?:
Enema of the State
I’m in a mood today, dear reader, so let this be a warning that a rant is incoming.
First, let’s start out with today’s astonishing development that sparked this Great Stuff mood.
The Dow Jones Industrial Average topped 25,000 today — the culmination of a 35% rush off its March lows. The S&P 500 Index is also on fire, gaining a similar 35% to trade north of 3,000.
Remember when everything tanked back in March? Wall Street was worried about the coronavirus’s impact on the U.S. economy and corporate earnings — and stocks took a roughly 35% haircut. (35% again? Is that like the new 42?)
The markets are now less than 12% from their February pre-pandemic plunge highs, and you need to ask yourself some critical questions as an investor…
Are things really that good right now?
People are going back to work with the “Grand Reopening,” but tens of millions remain unemployed. Business activity is picking up, but many consumers choose to stay home and stay safe from the virus. Even Federal Reserve Chairman Jerome Powell said last week that the economy might not fully recover until the end of next year.
On the corporate earnings front, first-quarter profits fell by the fastest rate in more than a decade.
Due to the coronavirus’s impact, S&P 500 companies saw earnings collectively plunge 13% on a per-share basis. And that data includes at least two months of a fully open U.S. economy. What will the next quarter look like? The one after that?
This certainly doesn’t look like a “12% away from all-time highs” market or economy to me. Does it to you?
So, Mr. Great Stuff, why are stocks rallying?
That’s an excellent question, and I have an answer: hope and unlimited stimulus.
In the movies, billionaires like Bruce Wayne step in with their snazzy PJs to save humanity from crises like these. They swoop down, solve the problem and everything goes back to normal in less than three hours on the big screen.
Despite what you might think about Elon Musk and his ilk, they aren’t pushing to reopen the U.S. economy for your benefit. They haven’t solved the coronavirus crisis. It’s still out there. It’s still rampaging across the country. More than 1.6 million are infected, and the numbers are rising. Nearly 100,000 are dead.
These supposed modern-day “superheroes” push to reopen the economy because they’ve seen profits plunge 13%. It’s hitting their bank accounts, and that’s serious.
Serious enough to push an economic reopening without a cure or approved treatment in place. That push fuels hope that things aren’t as bad as they seem.
Meanwhile, with unlimited stimulus propping up the whole shebang (and driving interest rates through the floor), what else will you do with your money? Save it? Pay down debt?
Lol, as if. This is America.
You’d buy stocks. You’d help drive the Dow and the S&P 500 back to their all-time highs — whether the economy reflects those gains or not.
But how long can you, the retail investor, hang on? Will you last through the coming second wave of coronavirus infections? Can you withstand a second economic shutdown?
One is coming. COVID-19 can lay dormant for two weeks without showing symptoms. We will all know just how sideways things have gone with the reopening in about a month. The question is: Will you be prepared for the fallout?
Click here to make sure you know what lies ahead … whether you think you’re prepared or know that you’re not.
The Good: [Insert Neo and The Matrix Joke Here]
Chinese electric-vehicle (EV) maker Nio Inc. (Nasdaq: NIO) clambered back into the headlines this week on positive sales data. According to China Daily, Nio CEO William Bin Li livestreamed a presentation on the company’s EVs, which led to 320 vehicle orders and $21 million in sales.
Not too shabby for a CEO livestream. Now imagine if he did it on TikTok!
The bigger excitement surrounding Nio, however, is the company’s deal with China’s Anhui province. Nio will reportedly move to Anhui’s capital city, Hefei, in exchange for $981 million in new funding. Anhui will also take a 24.1% stake in Nio.
There are two massive caveats for investors here:
First, as part of the deal, Nio and Anhui will create a new company that holds all of Nio’s assets. What that means for U.S. investors remains unknown.
Second, there’s that pesky U.S. Senate bill targeting Chinese companies listed on U.S. exchanges. The disclosure of foreign-government ownership could directly affect Nio under this new deal.
So, while Nio has become one of the most popular stocks on Robinhood, buyers really need to beware of the fine print on this Chinese stock.
Besides, we have better opportunities stateside — especially with Trump’s “Re-Declaration of American Independence,” his mission to bring manufacturing and growth back to American soil from overseas. Click here for the scoop.
The Bad: Robinhood’s Most Wanted
Coming in at No. 8 on Robinhood’s most wanted list, Carnival Corp. (NYSE: CCL) has seen an unnerving bout of enthusiasm lately.
The stock saw a significant boost this week following the Memorial Day holiday weekend, after throngs of people threw caution to the wind and rushed out into bars and local watering holes. Once again, we’re looking at you Lake of the Ozarks partygoers.
The idea is that once the CDC lifts its No Sail Order in July, Carnival ships will once again flood with passengers looking to party and forget weeks of at-home quarantine. I’m not sure what gives investors this level of confidence — especially since there’s no vaccine or cure for COVID-19 right now.
But CCL stock certainly is popular.
Even today’s announcement that AIDA Cruises (a Carnival subsidiary) would extend its pause in operations through July 31 didn’t faze CCL investors. AIDA said that international regulations surrounding the pandemic remained unclear, preventing its return to business as usual.
The easing of pandemic-related lockdowns is one thing. It’s another thing entirely to be locked up on a boat at sea for weeks (or potentially longer) if your ship happens to be unlucky enough to have an outbreak.
Once again, buyer beware.
The Ugly: Luckin Nuts
Shares of Chinese caffeine purveyor Luckin Coffee Inc. (Nasdaq: LK) have surged more than 89% in the past two days.
Why? Because investors be crazy. That’s why.
If you don’t remember Luckin, it’s the Chinese coffee company that fabricated roughly $300 million in sales. It just made up cash out of thin air like it was the U.S. Federal Reserve or something.
CEO Jenny Zhiya Qian and Chief Operating Officer Jian Liu were both fired over their roles in the scandal. Luckin faces the very real threat of bankruptcy. LK’s trading was suspended, and the company received a delisting notice from Nasdaq.
Seriously, though … why are people buying this garbage stock?
Well, according to a Reuters report, there’s a chance that Yum China Holdings Inc. (NYSE: YUMC) and other competitors are interested in buying Luckin’s assets, including the company’s popular smartphone app and its customer data.
Now, that sounds nice and all, but it doesn’t mean that the proceeds raised will save Luckin from insolvency. Furthermore, if the company sells its most valuable assets to stay afloat, what exactly are investors left with?
No, dear readers, avoid this coffee nightmare like the plague.
Debates over free speech? Whack.
Completely nonsensical market environments? Whack.
A Wednesday without your Poll of the Week? Now that would be whack.
It’s Poll of the Week time!
With all the divisive news out there, let’s talk about something that definitely won’t ruffle any feathers or split any political hairs — regulations! (OK, I could hardly keep a straight face there.)
Love it or hate it, the regulation pendulum could swing ‘round soon for overseas companies listed on U.S. stock exchanges. At least, if the House picks up what the Senate is putting down.
With the Luckin calamity top of mind, we want your take on Chinese stocks in particular today.
Are you buying up Chinese stocks amid the talks of tighter regulations or have you steered clear completely? Let us know below!
By the way, boy was last week’s Poll a blowout! We asked you whether or not you’ve invested in the biotech sector — you know, that whole medicine-making lifesaving shtick?
By and large, Great Stuff readers are gung ho about biotech investing, with about 82% of you having ventured into the sector.
Another 14% want to see what all the Big Pharma hoopla is about — and for good reason. I mean, Great Stuff readers have already seen an insane 117% gain on our trade with Inovio Pharmaceuticals Inc. (Nasdaq: INO) … not that I’m bragging or anything. Seriously, I’m proud of all of you who got in on that win!
Now, I can’t say when the next biotech opportunity will come up … you know, uncertain markets and whatnot. But trust me, you’ll be the first to know if a Great Stuff Pick comes along!
In the meantime, if you’re still want to chase the biotech bounty, just remember that it can be treacherous terrain until you find treasure.
Don’t go into the great biotech market alone — Click here!
Great Stuff: You Write, We Listen!
Another week, another edition of Reader Feedback! If we’re being honest here, this is one of my favorite parts of the week…
It’s simple: Every email you send us … every message you write … we appreciate it all! From the rants to the raves, you have the entire Great Stuff team in stitches sometimes.
So, why not drop us a line this week?
Send us a message at [email protected], and you might see your email in tomorrow’s edition of Reader Feedback! Remember, you can always catch up on the latest Great Stuff on social media: Facebook and Twitter.
Until next time, stay Great!
Joseph Hargett
Editor, Great Stuff
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Enema of the State
I’m in a mood today, dear reader, so let this be a warning that a rant is incoming.
First, let’s start out with today’s astonishing development that sparked this Great Stuff mood.
The Dow Jones Industrial Average topped 25,000 today — the culmination of a 35% rush off its March lows. The S&P 500 Index is also on fire, gaining a similar 35% to trade north of 3,000.
Remember when everything tanked back in March? Wall Street was worried about the coronavirus’s impact on the U.S. economy and corporate earnings — and stocks took a roughly 35% haircut. (35% again? Is that like the new 42?)
The markets are now less than 12% from their February pre-pandemic plunge highs, and you need to ask yourself some critical questions as an investor…
Are things really that good right now?
People are going back to work with the “Grand Reopening,” but tens of millions remain unemployed. Business activity is picking up, but many consumers choose to stay home and stay safe from the virus. Even Federal Reserve Chairman Jerome Powell said last week that the economy might not fully recover until the end of next year.
On the corporate earnings front, first-quarter profits fell by the fastest rate in more than a decade.
Due to the coronavirus’s impact, S&P 500 companies saw earnings collectively plunge 13% on a per-share basis. And that data includes at least two months of a fully open U.S. economy. What will the next quarter look like? The one after that?
This certainly doesn’t look like a “12% away from all-time highs” market or economy to me. Does it to you?
So, Mr. Great Stuff, why are stocks rallying?
That’s an excellent question, and I have an answer: hope and unlimited stimulus.
In the movies, billionaires like Bruce Wayne step in with their snazzy PJs to save humanity from crises like these. They swoop down, solve the problem and everything goes back to normal in less than three hours on the big screen.
Despite what you might think about Elon Musk and his ilk, they aren’t pushing to reopen the U.S. economy for your benefit. They haven’t solved the coronavirus crisis. It’s still out there. It’s still rampaging across the country. More than 1.6 million are infected, and the numbers are rising. Nearly 100,000 are dead.
These supposed modern-day “superheroes” push to reopen the economy because they’ve seen profits plunge 13%. It’s hitting their bank accounts, and that’s serious.
Serious enough to push an economic reopening without a cure or approved treatment in place. That push fuels hope that things aren’t as bad as they seem.
Meanwhile, with unlimited stimulus propping up the whole shebang (and driving interest rates through the floor), what else will you do with your money? Save it? Pay down debt?
Lol, as if. This is America.
You’d buy stocks. You’d help drive the Dow and the S&P 500 back to their all-time highs — whether the economy reflects those gains or not.
But how long can you, the retail investor, hang on? Will you last through the coming second wave of coronavirus infections? Can you withstand a second economic shutdown?
One is coming. COVID-19 can lay dormant for two weeks without showing symptoms. We will all know just how sideways things have gone with the reopening in about a month. The question is: Will you be prepared for the fallout?
Click here to make sure you know what lies ahead … whether you think you’re prepared or know that you’re not.
The Good: [Insert Neo and The Matrix Joke Here]
Chinese electric-vehicle (EV) maker Nio Inc. (Nasdaq: NIO) clambered back into the headlines this week on positive sales data. According to China Daily, Nio CEO William Bin Li livestreamed a presentation on the company’s EVs, which led to 320 vehicle orders and $21 million in sales.
Not too shabby for a CEO livestream. Now imagine if he did it on TikTok!
The bigger excitement surrounding Nio, however, is the company’s deal with China’s Anhui province. Nio will reportedly move to Anhui’s capital city, Hefei, in exchange for $981 million in new funding. Anhui will also take a 24.1% stake in Nio.
There are two massive caveats for investors here:
First, as part of the deal, Nio and Anhui will create a new company that holds all of Nio’s assets. What that means for U.S. investors remains unknown.
Second, there’s that pesky U.S. Senate bill targeting Chinese companies listed on U.S. exchanges. The disclosure of foreign-government ownership could directly affect Nio under this new deal.
So, while Nio has become one of the most popular stocks on Robinhood, buyers really need to beware of the fine print on this Chinese stock.
Besides, we have better opportunities stateside — especially with Trump’s “Re-Declaration of American Independence,” his mission to bring manufacturing and growth back to American soil from overseas. Click here for the scoop.
The Bad: Robinhood’s Most Wanted
Coming in at No. 8 on Robinhood’s most wanted list, Carnival Corp. (NYSE: CCL) has seen an unnerving bout of enthusiasm lately.
The stock saw a significant boost this week following the Memorial Day holiday weekend, after throngs of people threw caution to the wind and rushed out into bars and local watering holes. Once again, we’re looking at you Lake of the Ozarks partygoers.
The idea is that once the CDC lifts its No Sail Order in July, Carnival ships will once again flood with passengers looking to party and forget weeks of at-home quarantine. I’m not sure what gives investors this level of confidence — especially since there’s no vaccine or cure for COVID-19 right now.
But CCL stock certainly is popular.
Even today’s announcement that AIDA Cruises (a Carnival subsidiary) would extend its pause in operations through July 31 didn’t faze CCL investors. AIDA said that international regulations surrounding the pandemic remained unclear, preventing its return to business as usual.
The easing of pandemic-related lockdowns is one thing. It’s another thing entirely to be locked up on a boat at sea for weeks (or potentially longer) if your ship happens to be unlucky enough to have an outbreak.
Once again, buyer beware.
The Ugly: Luckin Nuts
Shares of Chinese caffeine purveyor Luckin Coffee Inc. (Nasdaq: LK) have surged more than 89% in the past two days.
Why? Because investors be crazy. That’s why.
If you don’t remember Luckin, it’s the Chinese coffee company that fabricated roughly $300 million in sales. It just made up cash out of thin air like it was the U.S. Federal Reserve or something.
CEO Jenny Zhiya Qian and Chief Operating Officer Jian Liu were both fired over their roles in the scandal. Luckin faces the very real threat of bankruptcy. LK’s trading was suspended, and the company received a delisting notice from Nasdaq.
Seriously, though … why are people buying this garbage stock?
Well, according to a Reuters report, there’s a chance that Yum China Holdings Inc. (NYSE: YUMC) and other competitors are interested in buying Luckin’s assets, including the company’s popular smartphone app and its customer data.
Now, that sounds nice and all, but it doesn’t mean that the proceeds raised will save Luckin from insolvency. Furthermore, if the company sells its most valuable assets to stay afloat, what exactly are investors left with?
No, dear readers, avoid this coffee nightmare like the plague.
Debates over free speech? Whack.
Completely nonsensical market environments? Whack.
A Wednesday without your Poll of the Week? Now that would be whack.
It’s Poll of the Week time!
With all the divisive news out there, let’s talk about something that definitely won’t ruffle any feathers or split any political hairs — regulations! (OK, I could hardly keep a straight face there.)
Love it or hate it, the regulation pendulum could swing ‘round soon for overseas companies listed on U.S. stock exchanges. At least, if the House picks up what the Senate is putting down.
With the Luckin calamity top of mind, we want your take on Chinese stocks in particular today.
Are you buying up Chinese stocks amid the talks of tighter regulations or have you steered clear completely? Let us know below!
By the way, boy was last week’s Poll a blowout! We asked you whether or not you’ve invested in the biotech sector — you know, that whole medicine-making lifesaving shtick?
By and large, Great Stuff readers are gung ho about biotech investing, with about 82% of you having ventured into the sector.
Another 14% want to see what all the Big Pharma hoopla is about — and for good reason. I mean, Great Stuff readers have already seen an insane 117% gain on our trade with Inovio Pharmaceuticals Inc. (Nasdaq: INO) … not that I’m bragging or anything. Seriously, I’m proud of all of you who got in on that win!
Now, I can’t say when the next biotech opportunity will come up … you know, uncertain markets and whatnot. But trust me, you’ll be the first to know if a Great Stuff Pick comes along!
In the meantime, if you’re still want to chase the biotech bounty, just remember that it can be treacherous terrain until you find treasure.
Don’t go into the great biotech market alone — Click here!
Great Stuff: You Write, We Listen!
Another week, another edition of Reader Feedback! If we’re being honest here, this is one of my favorite parts of the week…
It’s simple: Every email you send us … every message you write … we appreciate it all! From the rants to the raves, you have the entire Great Stuff team in stitches sometimes.
So, why not drop us a line this week?
Send us a message at [email protected], and you might see your email in tomorrow’s edition of Reader Feedback! Remember, you can always catch up on the latest Great Stuff on social media: Facebook and Twitter.
Until next time, stay Great!
Joseph Hargett
Editor, Great Stuff
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cheap insurance providers
cheap insurance providers
cheap insurance providers
BEST ANSWER: Try this site where you can compare free quotes :bestinsureonline.top
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cheap insurance providers
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Scion xB Wagon Cheap Insurance
Scion xB Wagon Cheap Insurance
Scion xB Wagon Cheap Insurance
BEST ANSWER: Try this site where you can compare free quotes :COVERAGEQUOTES.NET
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Scion xB Wagon Cheap Insurance
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Scion xB Wagon Cheap Insurance
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Palmer Massachusetts Cheap car insurance quotes zip 1069
"Palmer Massachusetts Cheap car insurance quotes zip 1069
Palmer Massachusetts Cheap car insurance quotes zip 1069
BEST ANSWER: Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr
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Palmer Massachusetts Cheap car insurance quotes zip 1069
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Right now Im a 17 year old male. I just got my stage 2 license so I can finally drive alone=D Now I'm looking to get a car. Right now I have my eyes set on a Mitsubishi Eclipse RS for the nice look, but not having too much power that would boost my insurance. I was suppose to get a mustang GT form my step dad but thats WAY too steep for me. The Mitsubishi RS has 140 HP w/ a 4cyclinder 2.0 lit engine. Would this be a good car to start with on insurance rates/would being in the national guard reduce my rates?""
Will my parent's car insurance go up if I get my drivers license?
Ok I am 17 years old and will turn 18 soon. I have a lerners permit at the moment. My parents have Geico auto insurance and they will not let me get my drivers license because they said their rates would go up as long as I live at home and they can't afford to pay for my insurance. I called geico and they said it would go up,and they asked me what vehicle I would be driving. I told them that I don't have a car, and they said you have to be assigned to a car as a 'part time driver'. But the problem is, I don't need a car right now, I can drive a motorcycle. In the state of florida, motorcycle insurance is not required, but a class e drivers license is required to operate the motorcycle. So if I get my drivers license, why should my parents car insurance go up if I were to drive a motorcycle that does not require insurance at all?""
What is a good health insurance plan for two snowbirds that travel between NY and FL?
Hello. I am 67 and my wife is 61. We are going to begin living between New York and Florida now, half of the year in Florida and half in New York. What kind of health insurance is popular for our situation? What is the most affordable plan? We want to be insured throughout the entire year in both FL and NY. I am 67 and my wife is 61. Thank you.""
""Imported Sports Car - Whats cheaper to insure? Registration in my name, or my parents name?""
I have just purchased an imported sports car in Australia worth $18,000. I am 21 (under 25 means huge insurance here). I AM going to get the cars insured in my parents name. But the thing which determines (on paper) as to whether I am the primary driver, or my parents are, is who ever the car is REGISTERED under. My question is....would insurance be cheaper if my car was registered under my name, or my parents? And by how much? Thanks!""
""Returned glasses, what about insurance?""
I got glasses from lenscrafters, my insurance company paid $194 and I paid $130 for the glasses. I kept getting headache after using these glasses so I returned them back to Lenscrafters. They paid my $130 but I would like to know what will happen to $194 that my insurance company paid to lenscrafters. When I asked lenscrafters they asked me to inform insurance company to revoke the transaction but I see that my insurance company has already paid them. Please let me know my next steps here.""
Why is car insurance rates so high?
Why is car insurance rates so high?
Can policr find out if you havent got car insurance by reading the car numberplate?
Can policr find out if you havent got car insurance by reading the car numberplate?
Does anyone know of Affordable Health Insurance for a Women in her 20s?
I will be 22 in a Month and recently tried to donate plasma and was told my blood sugar level was to high and they were concerned I may have diasbetes. I'm not covered by my parents health insurance anymore and I really need to find something that could help me. I do have a job and probably will have to work full time in order to get any health benefits. But is there something else out there anyone knows of where I can afford to pay for health expences?? I appreciate greatly. Thanks!
How can I get cheaper car insurance?
I live in Toronto, but my address on my liscence is in a smaller town about an hour out of the city. The car that I have is registered on my husbands Toronto lisence. I want to buy insurance using my out of the city address so it will be cheaper. Would I be able to do this even though I technically live in Toronto?""
Maternity leave- short term disability insurance?
Is there a private company that offers short-term disability pay? I am not pregnant, but I plan on getting pregnant within the next year. My employer does not offer short-term disability, and the only company I have found that offers STD coverage is Aflac. With Aflac, it HAS to go through the employer, and my employer said no. Does anyone know of any way to get private coverage through any insurance company for maternity leave if your boss is a douchebag?""
Does a car rental insurance claim affect my normal insurance?
I rented a car recently in London, and failed to notice that there was a small dent in the door when I took it out. Needless to say, they blamed me for the damage. They wrote up 850 in damages for a one-inch dent, and charged it to the rental insurance. I paid the 100 excess -- Fine, OK, it was my fault for not checking properly, but that's not my question. Does this claim affect my own personal insurance for my own car? Will I have to pay a higher premium now?""
""Hi there, Any one can tell me ``how can I get cheap car insurance in london?``?
I`m 28 years old. I got uk full licence in 11/2012 I have Toyota starlet 1.3 car It`s 1999. plz any one can tell me how can i get cheapest insurance. cheers.
A question regarding health insurance for couples?
me and my girlfriend have been dating for two years now. i plan on proposing to her this spring, but we can't afford a wedding yet. i was wondering if me and her could get an affordable health insurance, or would we need to get married to do that? i was also thinking, that if we would have to prove marital status, that we could marry at a court house, then eventually i'd propose and have a formal wedding in the future. what do most couples do in this situation, when finding good health insurance? we're healthy, no illnesses and the only prescription my girlfriend has is for her birth control. i also plan to start my own business, so getting our own insurance would be essential. thanks!""
Palmer Massachusetts Cheap car insurance quotes zip 1069
Palmer Massachusetts Cheap car insurance quotes zip 1069
How long does a dui on your record affect your car insurance?
ex. I got a dui almost 5 years ago, will an insurance company look at my record from the past 5 years or longer? How many years from your dui do they hold it against you?""
""How much will insurance be on a bmw 5 series 3 litre 17 year old, SECOND DRIVER!?""
im looking on how much it would be for my father to make me his second driver so I could also drive his car, it is a bmw 5 series 3 litre, im 17 year olds I have only just passed my test, please no stupid remarks/commentx""
Cheap car insurance for 18-year old male?
Hi. Been looking for cheap car insurance. so far ive been quoted 8000 on 2001 vauxhall corsa 1.2 petrol 3dr hatchback. live in ws1 4 area and im a carpenter. no parents dont drive and passed early october. Ive tried I-Kube, and other but their prices are outrageous! hoping to go with young marmalade as a last resort. Many thanks. :) and no i havent bought the car yet. car is worth 1500 approx.""
How much would insurance be on a Nissan 350z?
Hi guys!! Ok so I'm soon to get a 2003-2006 Nissan 350z Touring or Enthusiast. Maybe around 9000$ to 15000. I'm almost 18 and what would insurance be like for me??? Allstate, State Farm, ect. I just need a basic monthly quote! Thanks!!""
18 yr old Car Insurance Advice?
I recently moved out of my parents home due to family issues. Im 18 yrs old and need car insurance but can no longer get it through my parents which made it much cheaper. Im wondering what my best options are.
What company has the best motorcycle insurance in Maryland?
What company has the best motorcycle insurance in Maryland?
Do I need a motorcycle VIN number to get insurance in NC?
I live in North Carolina and I'm trying to get a license to purchase and operate a 150cc motorcycle. In North Carolina you must have a license for an automobile before you can get an endorsement for a motorcycle. Right now I'm learning how to drive a van so I can get a motorcycle endorsement. Before you can get a license for an automobile you must have proof of liability insurance (DMV form DL-123). Do I actually need a vehicle with a VIN number to get liability insurance? Or do I have to purchase non-owners insurance first and then switch it over to motorcycle insurance after I get an automobile license with motorcycle endorsement?
Can I drive with my moms insurance?
Can I drive my moms car with her insurance with her in the car with me. Without being added onto her insurance policy?
Why do men think they are better drivers than women?
because if that were true our insurance wudnt be alot cheaper than theirs?anyone agree?
I dont want to pay for car insurance... is there any way around it? LOL?
I know it sounds crazy and I need insurance but is there anyway to avoid paying it... at least for just a month? I have the cheapest plan possible but its still killing me financially every month! Do you think allstate has a low income program? Do ANY of the insurance companies....?
Will insurance pay for an insured car that's borrowed and driven by an uninsured driver?
well, it's a brand new car that belong to my father, i borrowed it and got in an accident because i slip off the road, the car is totaled and im really worried about the coverage. my dad has Infinity-insurance, so yes the car is insured however i do not have any kind of auto-insurance at all nor am i listed in my father's policy. will my father's insurance pays for the car?( if possible, please answer it base on Infinity-insurance)""
Car insurance??? help?
I have a 2013 Mazda and going to buy a 2014 the same model as the 13 one will my insurance go a little bit more up?
What type of lawyer do I need to fight a car insurance company?
I was involved in a car accident where the car insurance company for the other person involved is supposed to pay for my car andnhave accepted liability for the accident. But. I haven't received any payment from them. And it's been 4 months! I want to hire a lawyer, just need to know what type do I look for...???? Thanks in advance""
Can someone recommend affordable health insurance?
I lost my job. COBRA is too expensive. Are there any high deductible plans? I really only want coverage in the event of a serious illness. I live in NJ.
How much is it to insure this car?
I'm 17, B student, took Divers Ed, and my grandpa and I restored a 1998 Mercedes-Benz SLK230 Kompressor. The only problem I see is insurance. Does anyone have an estimate of how much this will cost per year?""
Car insurance companies?
Are there any car insurance companies which don't appear on comparison websites that are cheap and competetive? In the UK. Thanks
How much would car insurance be for an 18 year old for a citreon saxo 1.6 car roughly?
How much would car insurance be for an 18 year old for a citreon saxo 1.6 car roughly?
Car mod insurances?
does a body kit cost alot on your insurances.if you no what percentage it increces. thanks
Car Insurance.. leaving state?
i believe in my state that i do not need insurance on my car if it is registered... but it does not matter because i will not be driving it for at least 5 months, i am going out of state. the insurance agent is telling i would best off switching my liability from $160/month to comprehensive $50 a month... i don't want to pay that much just so my car can sit in my backyard, when i know nothing will happen... but she said if i cancel it will look bad, but did not say that my insurance would rise due to the fact that i cancelled an insurance policy before.... does anyone understand? i need some advice please...""
How much does insurance cost for a 17 year old on a kawasaki ninja 250?
please don't tell me to go to an online calculator or quote site.
How much would insurance be per month for a 17 year old driving a 2014 Mazda 3?
I am 17 years old and just graduated high school. I will be 18 in 5 months. I am looking into buying myself a new car. I know all of the responsibilities that comes along with buying a new car and talked to my parents about it. I did my research and I found that a new 2014 Mazda 3 is only $200 a month. Which I can afford. However, I was wondering how much insurance would be. I looked up a few quotes but I'm not sure how accurate they are. I was wondering how much other people were paying. Of course age is taken into consideration so it will be higher. However, if it will be too much I am planing on going under my fathers name since he is much older and clearly has more experience. So if anyone would like to help me out and tell me what they pay for insurance it would be very helpful! Thanks!""
What are the benefits of Antique Car Insurance?
Or Collectible Car Insurance, whatever you want to call it. And is it cheaper than typical insurance? (Though I doubt it)""
Teen Motorcycle Insurance in ontario?
hello, i am 17 years old, turning 18 in october. I live one hour north of Toronto ontario in a city of 125,000 people. I am wondering the approximate cost to insure me on a 2011 Honda cbr 250r, which costs approximately $4000. I have completed a drivers education program as well. PLEASE DON'T TELL ME TO CONTACT AN INSURANCE BROKER I can't check online quotes either because of my age. I just want to know if it is even worth looking at or if i will be paying like 4 grand a year to ride 5-6 months. thanks!""
""Car insurance, it makes me think why bother.?""
Last year a neighbour crashed his car into my drive, damaging the railings, lucky my car was not there at the time and no one was hurt. He was charged as he had no insurance. I got a letter from the Police last week stating that he got 6 points and was fined 500.0. My car insurance is now up for renewal and I was quoted 600.0, obiviously I'm gonna have to get insured, but it does make me think why bother, what do you think???""
Car insurance yay...?
So first off let me just say I know that all the variables going into this will change the price I.e. Type of car I have, distance I'll be driving etc. I was just curious if anyone could tell me how much I would expect to pay a month for car insurance if I was voided the last time around? I was paying 90$ a month last time (they over charged me so I didn't pay it the next month, then I quit my job. I know smart, right! Lol.) Would it double just because in the past I've shown that I'm not reliable? Do you also HAVE to have full coverage on a car you haven't fully paid off yet? This might be dif state to state. (MN) Any good info would be appreciated thanks :)""
Palmer Massachusetts Cheap car insurance quotes zip 1069
Palmer Massachusetts Cheap car insurance quotes zip 1069
How much would would Car Insurance be for a 17 year old male?
Im a student, want to take my test. If i pass it how much do you reckon driving insurance will be. Say if i registered it under my mums insurance. i wanit a car for university so i can drive home quickly and easily. How much would it be under my mums insurance and how much would it be if i got thee smallest engine (Vauxhal Corsa or Citroen C2) for example...""
Car insurance for 17 year old male?
hi can anyone help me i have been looking round for car insurance for a 1.0ltr corsa 2002 and my cheapest quote i have had is 15,540 per year and i am wondering if anyone could tell me if there is anywhere i can get it cheeper or is that the cheepest i am gooing to find thanks ant""
Car insurance choice of car?
Im a new driver not passed my test yet but not far away and i need to know what is the best car you can get for cheap car insurance maybe top 5 cheap cars for new drivers or something! im un employed due to medical reasons at the moment, but recovering well :) so i cant afford nothing to exspensive im 18 and i have a provisional but will have a full licence soon Thanks""
I need a good car insurance company I have 6 points and a chapter 7 in my credit report?
I have two cars one needs full coverage $500.00.00 deduc.at list, the car is a 2002 ford explorer and the other one is a 1992 dodge spirit /liability only. If you know about an insurance company that gives good coverage for a decent price let me know my current policy is $166.20 a month.""
Insurance policy for a newly licensed driver?
I recently got my license at the DMV. My parents won't let me drive a car because of the cost of insurance. They told me that I have to wait for the price to go down. My question is, how much does insurance cost for a 17 year old male in California and if it's true that I have to wait for the price to go down. Please explain car insurance in general.""
Getting car insurance?
what difference does it make getting car insurance at the end of the month or waiting until the 1st? i dont get it. i didnt think it mattered but i;m getting told to wait until the 1st? :S
Does it cost to switch car insurances?
I need to switch my car insurance to get a lower rate per month. How much would I generally pay to switch or get new insurance?
Is there a way to get 6 month car insurance?
I need a 6-7 month car insurance quote and was wondering if there was a way possible to do this for example could i buy a year and cancel after 6 months.. that way do i get half of my money back?
Learner's Permit and Car Insurance?
If I didn't live with my parents, had my learner permit and had my own car, would I be able to drive it if in the presence of a licensed insured driver? Like say my friend came over and I drove him in my car, would his insurance cover me?""
Pregnant with health insurance but no maternity coverage?
Would I qualify for Medicaid for pregnant women if I have cigna health insurance without maternity coverage? I live in Florida. If not does cigna offer maternity coverage?
Is it true that the color of your car influences your insurance rate.?
Is it true that the color of your car influences your insurance rate.?
Question about Car insurance (UK)?
Does anyone know if / how mileage for year is calculated for insurance purposes. What do the insurers check for these details? I have a private policy for my second car (my non work runaround) and it is limited to 3000miles per year. Perfect for trips to the dump, bulky or messy trips to the shops etc. I lend the car to my partners foreign parents who use their own insurance policy (cheaper for them) to drive it during their vacations to the UK 2-3 times a year adding quite a bit of mileage to the vehicle. If we both have insurance to be driving my car, am I at fault for claiming low mileage allowance for cheaper insurance for the car?""
What is the best insurance company!?
what is the best insurance company for me for my area.
Anyone in Florida with a 220 insurance license?
I want to study for the 220 insurance test but before going to the school i needed to get a head start, and was looking for some study material can anyone help or send some lititure to study??""
How much would it cost to insure a new Mazda3?
I want to buy a new ('08 or '09) Mazda 3. It would go on my parents insurance, and they both have a clean record. How much would it cost to insure? I live in Nassau County, NY (Long Island).""
""I am 18 and can't find car insurance under 2000, does anyone know anywhere?
its insurance for a toyota yaris 2003 Y reg 3 door hatch back for an 18 year old boy with a 1 month old full uk lisence.
What insurance do i need? i need help with life!?
ok, i just turned 18, and i want to move out of my house with my boyfriend, into an apartment we found. ( dont tell me how much of a bad idea that is, ive already heard it) so anyway, what insurance do i need to get? and explain it please. life insurance? health insurance? (i dont need car insurance) i need help, being all alone now in the big world""
How much would i save on insurance by taking the motorcycle safety course?
and is their other beneifits to taking the safety course like, getting a discount at the dealer place or something""
Can i get insurance just to do a title transfer??
i just sold my truck which i took the insurance like 4 months ago since i didnt drive it, and to get the title signed and notarized so i can sell it i have to have insurance. can i get like temporary insurance just to do that? how much is it?? thanks!""
""Car Insurance, should I go as a named driver?""
I am 25, just passed, I got a quote from the post office for a 2001 MITSUBISHI Colt 1.3 Equippe at 2500 for the year... I live in a posh area (my nan n grandads) and the car will be parked on the drive. If I go as a named driver on my Grandad's insurance, who has plus 10yrs no claims how much cheaper do you think it will be? Does my Grandad have to buy the car in his name? What's the best way I can do this? Or should I just drive his punto 1.2l as a named driver, as a guess how much do you think i will have to pay extra so my grandad is still paying the same he usually does?""
Idea as to how much full coverage car insurance would be for a 17 yo. Just a ballpark figure. Thanks.?
Idea as to how much full coverage car insurance would be for a 17 yo. Just a ballpark figure. Thanks.?
What is the annual cost of health insurance for employer?
I am a new small business owner with 3 employees at the moment. I was wondering what the annual or monthly cost for health insurance is for an employer. I'm not looking for an in depth analysis, just trying to figure things out in my head and I have not even a clue what it cost.""
I'm moving to Alaska and I need advice about health insurance.?
I'm moving to Alaska in January and will be needing health insurance. Is there any cheap insurance there or something you can get based on your income? I will be getting a job eventually,but I need something before that and if the job is only part-time. My dad had lived there all his life and I will be moving in with him. Does that make a difference with anything?""
Maternity and Health Insurance?
If you have health insurance but do not have maternity insurance. Does the health insurance cover any of the hospital. etc fees? Example...Hospital stay?
""Can anyone tell me approximately, how much car insurance is in southern ireland for...?
20 year old female using peugeot 306 car? just passed test btw!
Palmer Massachusetts Cheap car insurance quotes zip 1069
Palmer Massachusetts Cheap car insurance quotes zip 1069
https://www.linkedin.com/pulse/insurance-quotes-nj-car-joseph-wheeler/"
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Clash of cultures: what will be different in Saint Louis?
Although life in Europe and US is quite similar and the two continents largely share cultural heritage, it may come as no surprise that living in Saint Louis has its perks and cons for someone coming from Central Europe. I assembled my own list of "culture shocks" and differences related to moving into Saint Louis, based on an experience of 3 months.
by Gergely Kemecsei, HMEP Scholar at MBA 2019 at Saint Louis University
Pros:
It is easy and cheap to get a driver's license: it takes literally 1-2 hours and $10 to obtain a full license without any restrictions. Learn the state-specific driving rules from a 100 pages guide (sample tests are available), walk in to the Highway Patrol's office, take the computer-based theoretical test (they allow you a second try), do the eyesight examination, then wait 10 minutes until an officer appears who administers the approximately 30 minutes practical test. Based on experience, foreigners are expected to meet the criteria of a more thorough examination, but it can be done in a peaceful suburban environment without any traffic – and automatic cars are allowed! The driver's license is also useful for age verification purposes in stores and bars.
Please note: HMEP scholars can use a Mini Cooper in St. Louis from time-to-time as a part of the scholarship, so you don’t need to drive this archeological piece.
Affordable tickets to baseball matches: the city revolves around the Cardinals, one of the most successful baseball teams in the world, boasting 11 World Series Championship titles. It is not only quite often (up to 4 home games a week), but it is a cheap outdoor activity: tickets can cost as low as $8. One full game will be required to learn the sophisticated rules, but the thrill is unmatched when fireworks are launched for a Cardinals home run.
HMEP Scholars & Spouses (Left to right: Daniel Tamasi (WashU 2018), Brigitta Tamasi-Pere, Gergely Kemecsei (SLU 2018), Monica Postovaru (SLU 2018), Dora Hargitai (SLU 2017), Zsuzsanna Dorosz, David Dorosz (Webster 2017), Tamas Javor (UMSL 2017)
Pedestrian and cyclist friendly rules and drivers: in most intersections, all cars must come to a full stop at all times (all-way stop), allowing priority crossing for pedestrians. Contrary to prior expectations, Saint Louis is a relatively cyclist friendly city with designated bike lanes on most major avenues. However, cycling is not a common way to get around: it may happen that you won't see another cyclist for a full hour (as cars are kings). In addition, my general observation is that non-rush hour drivers are more courteous than their European counterparts.
Outstanding customer service in restaurants and stores: "dismissal at will" (employer can fire a waiter on the spot) results in waiters and store employees being extremely helpful and kind towards customers. Expect personalized and caring service every single time you buy clothes or eat out – something not always a common practice in Europe.
Low taxes: sales tax (more or less the equivalent of VAT) is less than 10%, and the overall tax burden is approximately 30-35%. Moreover, excise duty on gas is so low that a gallon (3.8 liters) of gas costs around $2.5. I am confident that even a 1% tax increase would cause massive upheaval here. Obviously, the low taxes have adverse consequences on the status of infrastructure (railways, roads), public services and social security – but it is another story.
There's Uber, and it's cheap: Uber dominates in this city, providing convenient and affordable service. The average cost of a 5 miles ride would be no more than $10 – cheaper than a cab in Budapest.
Mobility is a real thing in the US: people move from one corner of a country to another because of studies, family or a new job. I know only a handful of bona fide Saint Louisan – every other friend of mine moved here for studies or job.
Neutral:
Every food is sweet and has an excessive amount of sugar: for a European, it is very difficult to digest that every single type of bread is sweet (not to mention that it is prepacked and toast bread like). It requires a way more attention during shopping to avoid products with tons of sugar in them and the healthier products often cost 2-3 times more. Bakeries as such don't really exist here: I am certain that every European start craving for a crunchy freshly baked bread after one week here – a need that is rarely going to be fulfilled.
Expensive grocery shopping – relatively affordable to eat out: vegetables, fruits, dairy products and other groceries are significantly (2-3 times) more expensive than in Central Europe. Cooking is, therefore, most costly because of the prices of the ingredients. This being said it is often cheaper and easier to simply eat out. Dining options are vast and most places offer huge portions, and Saint Louis University has dining halls that offer all-you-can-eat & drink menus for $6-8.
Little knowledge of the part of Europe that is east of Germany: it happens too often that more explanation of elementary level European history and geography is needed in an everyday conversation. I came to a conclusion that I introduce myself being from Hungary, EUROPE (same way as Missouri, US) – to give a solid keynote on my origins. To be fair though, what prior knowledge an average Central European has of Missouri (a state which actually has a population of Slovakia)?
0.08%: it is the level of blood alcohol content above which it is illegal to drive a motor vehicle. Missouri is famous for its non-strict alcohol laws and while DUI (driving under the influence) accidents do not happen as often as I expected, it still gives me the cringes that everyone here just hops into their cars and drives home after a sizeable amount of booze.
There is no one designated and centrally located party district, there are less student-budget friendly dive bars, musical events and EDM gigs: house parties make up for these shortcomings though!
Expensive healthcare: even though hospital services are outstanding and doctors make the highest amount of money among all trades (an example to be looked at in Central Europe), it comes at a price. I was told never to call an ambulance because it is almost never covered by the health insurance and costs $300 – advice is to always call an Uber instead. People here are really forced to think twice whether to go to a doctor or not, even when having dire medical conditions. Insurance companies top this by not covering all types of treatments and diagnostics, leaving a patient no option but to pay the medical bill at least partially. This is no big worry for HMEP scholars though, as the full-scale student coverage is part of the scholarship.
Cons:
No extensive public transit network: Saint Louis metro area spans across an area 4-5 times bigger than that of Budapest – with a similar population size. At the same time, it has one and a half metro (not a subway, rather a fancy tram) line, no suburban rail and a sparse and infrequent bus network. This implies that car is the basic way of getting around. Distances are huge, and cars are the only way of getting around (sadly, to and from bars too…). So far, a bicycle is a good short and mid-distance alternative for me, but you'll need a car or a friend with a car for grocery shopping and longer distances.
Imperial units of measurement: I keep trying to express everything in feet, pounds, and Fahrenheit with more or less success. But I never fail to add the equivalent in meters, kilograms, and Celsius and end the sentence with the phrase "in non-retarded units". It is crazy how inconsistent the imperial system is with itself (even more than when converting to metric): 1 mile equals to 1760 yards, 1 gallon equals to 128 ounces – it is impossible to make such head calculations, not to mention that hardly any American knows these conversions anyway.
Mandatory tipping: I understand that waiters earn below minimal wage and they need the tip to get by… wait no, I do not, minimal wage is systematically disregarded and defied in the hospitality industry! It is a complete nonsense and a stupid excuse to expect customers to pay wages of a waiter directly. 20% is a must here, but I often just round up the bill. I am convinced that tip should be a reward for exceptional service, not a mandatory supplement.
No European standard low-cost fares on domestic flights: the airport of St. Louis is poorly connected to the rest of the US, only being served by less than 10 carriers. As a consequence, no super low fares are available to fly around the US, a return trip usually starts at $200 – even on Southwest. You might need to drive up to Chicago for better fares.
Net prices are displayed stores: even though sales tax rate is really not significant, it is quite bothersome that the grocery tab is always topped by around 10%, which is not shown on the individual products' price tags. It is an unpleasant surprise at the cashier to which it is nearly impossible to get accustomed.
Gun culture: I will not rant about it too much as it is a politically divisive issue, but Missouri has one of the laxest gun laws in the US. Consequently, possessing a firearm is an accepted norm here. Of course, most people do not even carry guns with them concealed but keep it home (it is forbidden on university campuses), yet it is a behavior hard to digest for a person raised in Europe.
Lack of comprehensive and institutionalized social care system for the poor, the unemployed, the sick: again, a consequence of the laissez-faire capitalism – a well-educated person can make a fortune, have luxury cars, buy a mansion than in Central Europe, whereas it is even tougher to be poor here than in underdeveloped regions of Central Europe.
The average level of public safety (especially during the night) is lower than in the worst districts of Budapest: there are ways to stay out of trouble – Saint Louis University offers complimentary transfers in the vicinity of the campuses, Uber is always there and the risk is greatly reduced by avoiding notoriously bad neighborhoods.
Every city can grow on you and turn out to be your home for one reason or another. Saint Louis is already there for me for this one year: it has everything an American mid-size university city has to offer to entertain, feed and lodge one well!
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New Post has been published on Add Crazy
New Post has been published on https://addcrazy.com/crime-fee-falls-however-internet-love-scams-up-65-in-keeping-with-cent/
Crime fee falls however Internet love scams up 65 in keeping with cent
Despite their efforts to highlight and address Internet love scams, coupled with media reviews on such cases, 636 people nevertheless fell prey last 12 months, dropping $24 million, double the $12 million victims have been cheated of in 2015.
At their annual crime statistics briefing the previous day, the police stated typical crime instances dropped from 33,839 in 2015 to 32,964 final yr.
but last 12 months 636 stated instances of Internet love scams, the very best up to now, was a sixty-five consistent with cent growth from the 385 in 2015.
victims
Maximum of the victims had been neighborhood ladies aged among 30 and 59, stated the police. Approximately a third were professionals even as a quarter had been housewives, unemployed or retired.
The scammers commonly befriend – and appeal – their victims on social media or via on line chat apps earlier than tricking them into parting with their money.
In 2014, The new Paper said that a seventy four-12 months-antique female misplaced $1 million to a person who contacted her three years after her husband’s death while she becomes nonetheless grieving and in search of companionship.
last yr, some other woman misplaced $1.7 million – the very best to this point, The Straits Times reported.
Dr. Ken Ung, a psychiatrist at the Adam Road Medical Centre, told TNP that people fall prey due to the fact a lot of them suffer from low 6ba8f6984f70c7ac4038c462a50eeca3 or crave intimacy.
“Those scammers prey on human nature, and those who’re prone,” he stated.
“Every so often, Those victims can feel some thing amiss, however yet they still want the eye. It is like a drug to them. With regards to emotions, good judgment can go out of the window.”
Mr. Daniel Koh, a psychologist with Insights Mind Centre, advised Net customers to take a step back earlier than shifting money.
He additionally suggested human beings in such situations to consult their buddies and families before making a decision.
any other area of the situation become the emergence of scammers impersonating Chinese officers. closing yr, there were 487 instances, with sufferers dropping $23 million.
The police recommended the public to be wary of human beings they meet online and when getting calls from strangers.
Credit score-for-sex scams fell through nearly 34 in step with cent from 1,177 instances in 2015 to 779 instances last 12 months. The amount cheated fell from $3m to $1.7m.
The Transformation Of Political Technology And The Upward push In Crime Costs
The cutting-edge discipline of political sciences is ruled through a multitude of ideas that have in no way in its records featured so prominently on this field. The general perception that it has misplaced its focus once and for all is once in a while counteracted by way of unique critiques. One of these is that the world has come full circle, that mankind has experimented out all opportunities in phrases of ideological questioning and that the liberal democracy as we are aware of it has popped out of the procedure because of the prize winner each politically and economically. Some outline this as the end of history. It also is going to the aid of the name of ultra modernism. Globalization fits in perfectly and all reflects the increasing complexity that we are finding our global to contain us in and which, so that it will come to terms with the bigger magnitude of the entire, we are describing in basically indistinct terms.
The concept that records may have died a demise changed into first launched within the 1980s by Francis Fukuyama who wrote a now well-known essay entitled ‘The stop of records’, inside the Countrywide Hobby at the problem. The concept has persisted for the duration of the subsequent historical truth-altering activities leading to our information of the sector in terms of protection and globalization, despite the fact that the liberal floor is under siege from left and proper wing ideologies, parts of which might be finding their way into the democratic liberal discourse.
However beside the point it basically is to outline The new ‘prevailing ideology’ — the political Technological know-how discourse is rife with arguments in want of departing from old school foundationalism and swapping this for a-systemic thoughts amassed from all other disciplines– we’re right now nearly as satisfied with any concept that offers a firm grip on fact because the 1/3 world might be a cure for poverty. An awful lot even though the arena is converting and lots although this rapid trade is contemplated in the sciences, the a-systemic ideas making up the political sciences might not always replicate what’s happening in society one hundred percent properly.
Problems like crime and different ‘anti-social conduct’ are extensively underexposed in regions of political medical studies, say researchers. Our notably evolved society and increased sophistication in all of the disciplines that results in political sciences being a fantastically self-esteemed region for study, turning in absolute confidence high-quality college students to society, does not always assure a tangible decline in crime Rates. we’re missing out something huge time. Is that this the whiplash of a-systemic questioning we all intuitively fear?
If you could trust research undertaken by political scientists, in destiny, we may not have quite a few room for corruption and evil wrongdoers in our society. Glance through an average new book on political Technology and locate hardly a line, not to mention a bankruptcy, committed to the evil aspect of human nature. What makes us all suppose that synchronizing the whole thing robotically results in a higher global and therefore a much less violence prone society? within the identical breath, you might ask, what is The new Left, The new right, the Libertarian and the opposite political mainstream questioning on Troubles including the 1/3 world? For all our excellent knowledge and rapid era-supported information of what is going on, we are still no longer Lots better at remedying the principle troubles the arena is confronted with.
Criminology is a part of the exercise of deconstructing the past, deconstructing other disciplines and constructing new thoughts from a mixture of all of them which maintains social scientists busy in recent times. but It is now not enough seemingly to translate into better thinking at the manner safety and society can be organized.
Whether a positive method to crime absolutely is in charge for its Rise is arguable. what is sure is that contemporary societies have come to be safer and greater comfy in lots of regions but that crime has risen in equal proportion. “When it comes to crime, or extra widely stated ‘delinquent’ behavior, society has definitely emerged as much less safe. Crime constitutes an insecurity chance that’s tough to govern. Many citizens and corporations will at Some degree fall victim – normally completely surprising -to behavior that may harm them, physically or financially”, in line with the latest research record via the Foresight Institute of the Netherlands, a semi reliable consultancy. It’s miles one of the few studies in this discipline.
The more and more vintage international definition of the nation became usually driven via the choice to resist this sort of hazard, the researchers say. They keep that the way we deal with crime has developed too. It’s miles at this factor that state agency is possible to clearly begin to disintegrate. A high, if not the top raison d’etre for governments is preserving a populace especially safe and free from crime. The greater governments are given the impression to be failing in supplying the favored excessive stage of societal protection, the much less justification there may be for governments and their enforcing taxes on a country’s populace.
Modifications inside the way crime are perceived include treatment of the problem in more scientific disciplines than ever. but A few, such as Fukayama, argue that the social sciences lack an awesome primary view on human nature, which stems lower back from the put up Kant era. The simplest motive that I feel you can enhance the human nature argument once more is that over the past 30 years in the existence sciences there has been a whole lot of empirical paintings that has made the idea respectable to scientists. yet social scientists and clearly people in cultural research have yet to get that message, says Fukayama. They are very resistant to the notion of human nature.
the problem is grappled with mainly by way of those who try to integrate crime studies into a whole variety of disciplines. “Crime has lost its exclusiveness, the technique to crime and crime prevention is not solely the responsibility of the police and the judicial government”, say the Foresight institution researchers. This coincided with a tangible change in society too. in the early 1980s, there has been a sea change in the approach to crime and crime prevention. Stimulated with the aid of understandable self-Hobby, person residents, groups within the community and neighborhood authorities began to sense that they bore a duty for crime prevention. Though the effects are not specifically overwhelming and the researchers at Foresight say that for the state of affairs through the yr 2010, A few areas of research are nonetheless hugely underrepresented.
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