#base at like 6-700 word minimum for $10 ??

[of-mutts-and-men]

Slowly working on the “get what you get” randomized monster commission spectacular extravaganza thing. Are there anymore monsters I should consider adding to my list 🤔 I feel like I’m missing some obvious ones. These commissions are going to be slightly tailored more towards the things I can write about easily/ enjoy the most so I may not include every single thing out there. (My og commissions you can specify anything you’d like :3)

Werewolf, Alien, Dragon, Naga, Orc, Tentacles, Plant Monster, Demon, Minotaur, Merfolk

[takahashicleaning]

ＴＥＤにて

マリアナ・マッツカート：投資家、危険を冒す者、改革者 — それが政府？

（詳しくご覧になりたい場合は上記リンクからどうぞ）

米国の行政府はなぜ、民間企業の「革新者たち」の邪魔をするのか？そう多くの人は考えています。

基礎研究など、発明と経済成長について考えているマリアナ・マッツカートはそんな、思い込みを取り去ろうとしています。

エネルギッシュな話の中で、公共財などのインフラなど、のろまなベヒーモス(カバのような怪獣)だ！と言われる行政府が、実は、最もエキサイティングで、リスクを取り、新たな市場を創り出していることを詳細に解明していきます。

税金だけではなく、最新の金融工学やファイナンス理論により、株式などの民間のお金を使ってファンドを創設し、それが成功すれば行政府が利子を付けて投資家に払い戻すというものです。

オープンな市場から資金を得るので透明性も確保できます。

アップル、グーグル、フェイスブックのような創造的、革新的で素晴らしく全く新しいタイプの会社がある一つの国で生まれていることにお気づきでしょうか？

私は、経済学者で会社、産業。そして、国という単位での発明と経済成長の関係を研究しています。

古い経済モデルでは、理解できないシリコンバレーの経済成長の秘密は何か？興味深いことに 21世紀になってからでもしばしば、行政府対市場という考えに至ります。

シリコンバレーのような成功の裏側には、市場を創り出したり、企業家に動機づけを与えるいくつかの仕組みがあります。

一つは、機動性のあるベンチャーキャピタル。しばしば、ガゼルと呼ばれる革新的な会社に伝統的な銀行が融資を避けるようなリスクのある事業に資金提供をすることができる仕組みや 、または、彼らのとても素晴らしい発明や製品を市場に出し、多くの会社が挫折する市場に出し多くの会社が挫折する困難な時期を乗り越えるという商業化方針もあるのです。

問題は、公共企業であってちょっと大きくなりすぎてしまってベンチャーキャピタル事業などは、商業化すれば利益を生み出しうるにも関わらず政府は許していません。

あるキチンとした新聞の社説にはこう書かれていました「行政府は、確かに (インフラなどの)公共財に関することだとか汚染物質などの事項について市場における問題を解決する必要がある。

しかし、インターネットに続く、次の大きな発明はなんだろうか？環境問題の解決に関するものであったり、ナノテクノロジーに関係するものだろうと期待されそれを実現するのに必要なのは？」

これは次の産業革命についての特集記事ですが「行政府は、基本的なことに徹し、インフラや学校、基本的な研究に投資をするべきで、なぜなら、これらは一般に公共財として認識されており、私企業が投資をしたがらない分野だからだ。しかし、残りは革新家に任せよう！」

この生き生きとした型にはまらない人たちは、しばしば、ガレージの発明家と呼ばれます。

要するに、これまでと異なった公的サービスを民間への外注をより利用することによって導入するのかという方針決定において重要な意味があるのであって、ですが、私の話を全て信じる必要はありません。皆さんのポケットの中にある素晴らしく革新的なものについて考えてみましょう。

ポケットのiPhoneを手に取ってみて下さい。

実は、インターネットは、国防省のDARPA（国防高等研究計画局）で作られ(CERNの次)、GPSは、軍のナブスター計画によって開発され、Siri(iOS向け音声認識解析アプリ)ですら DARPAで発明されました。

タッチパネルは、CISとNSF（アメリカ国立科学財団）の公的資金でデルウェア大学の２人の研究者が開発しました。

行政府は、挙げた例の中で市場を修正する以上のことをしています。市場を形作り創造しているのです。人々が喜ぶような基礎研究だけでなく、応用研究にも資金提供をしています。遂には、なんとベンチャーキャピタリストになっています。

小さい企業に初期段階から融資をすることなども。これらは、民間ベンチャーキャピタルに比べこれまでとても重要であっただけでなく、ますます、大切になってきています。

なぜか？皆さん知っての通り、ベンチャーキャピタルは短い期間で行われ、投資した企業は３、５年程度で利益を得たいと思っています。発明はそれよりももっと長く15年から20年かかります。これは最も重要なことですが、誰がそういった困難な投資をしているのでしょうか？

もちろん、行政府だけではありません。民間企業もたくさんしています。

しかし、私たちが信じてきた話では、行政府は基礎研究にとって重要であるけれどハイリスクな革命的な考えには貢献していないというものでした。

インターネット関連企業の設立・投資に関わった公的部門は投資をした全ての企業に対して、技術の将来像を描き、先見の明をもって投資していたのです。それは、行政府自身から生まれたものでした。

ナノテクノロジー部門の事情を調べてみると、とても興味深いのですが。それはなぜかと言うとナノテクノロジーという言葉自体が行政府から生まれたものだからです。ですから、ここには大きな意味合いがあるのです。

言っておきますが、私は、市場対行政府。なんて言うような古い人間ではありません。ダイナミックな資本主義にとって必要なのは、行政府と民間の連携です。しかし、重要なのは、私たちはいつも行政府を必要なものであるけれど退屈なもので危険だと認識していることで

私たちは、行政府と民間の動的な関係を築くことを阻み続けてきました。

私たちが、何をするべきかというと行政府の起業家のような機関を作ることです。インターネットとSiriを開発したDARPAは、どのように失敗を受け入れるのか？深く考えました。なぜなら、失敗はするものなのですから挑戦に失敗はつきものです。

10個の実験の内、１つくらいがなんとか成功します。ベンチャーキャピタル会社の人たちはこれを知っており、その一つの成功でほかの失敗を補っています。

私に多分、最も大きな影響を与えたことについて話をしますが、もし、行政府の仕事が市場を改善するだけでなく市場を創り出すことだとしたら ？大きなリスクを受け入れているならば報酬はどうなっているのでしょう？行政府の報酬はどこにあったのか？

インターネットは、実に、スティーブジョブズのスタンフォードの卒業スピーチで言ったように愚かなものでした。失敗する確率はとてつもなく大きかったのです。

行政府がリスクの受け手であると気づかなければ、こんな質問にもたどり着けません。経済学者は、その報酬は税金だと言います。

また、Appleは、SBIC政策で支援を受けたのです。さっきのiPhoneを支える技術も行政府の支援で開発されました。アメリカ政府は、これについても検討し、イノベーション・ファンドと呼ばれるものを持ち出したのです。

もし、インターネットが作る利益の0.05%でもイノベーション・ファンドに還元されていたならばグリーンテクノロジーのためのお金はもっとあったに違いありません。

現実世界には、２つの金融の仕組みが長い年月をかけて構築されており、預金者からお金を借りてお金が必要な人に仲介業者（銀行の金融機関）を通じて貸し出すことを「間接金融」といいます。

代表的な間接金融の商品が「銀行からの貸し出し（自らの預金が源）」「手形」です。

日本は、こちらに重点が置かれていますが、世界では直接金融が主流かもしれません。

もう一つの仕組みとして、お金を必要とする相手に直接お金を出資するのが直接金融と言います。

主な直接金融の商品に有限責任の「株式」「債券」があります。

ベンチャーキャピタルやエンジェル投資家もこちらの分野です。法人は潰れることを前提にした有限責任！

最後に、マクロ経済学の大目標には、「長期的に生活水準を高め、今日のこども達がおじいさん達よりも良い暮らしを送れるようにする！！」という目標があります。

経済成長を「パーセント」という指数関数的な指標で数値化します。経験則的に毎年、経済成長２％くらいで巡航速度にて上昇すれば良いことがわかっています。

たった、経済成長２％のように見えますが、毎年、積み重ねるとムーアの法則みたいに膨大な量になって行きます。

また、経済学は、大前提としてある個人、法人モデルを扱う。それは、身勝手で自己中心的な欲望を満たしていく人間の部類としては最低クズというハードルの高い個人、法人。

たとえば、生産性、利益という欲だけを追求する人間。地球を救うという欲だけを追求する人間。利益と真逆なぐうたらしたい時間を最大化したいという欲を追求する人間。などの最低生活を保護、向上しつつお金の循環を通じて個人同士の相互作用も考えていく(また、憎しみの連鎖も解消する)

多様性はあるが、欲という側面では皆平等。つまり、利益以��からも解決策を見出しお金��けだけの話だけではないのが経済学(カントの「永遠平和のために」思想も含めて個人のプライバシーも考慮)

こういう新産業でイノベーションが起きるとゲーム理論でいうところのプラスサムになるから既存の産業との

戦争に発展しないため共存関係を構築できるメリットがあります。デフレスパイラルも予防できる？人間の限界を超えてることが前提だけど

しかし、独占禁止法を軽視してるわけではありませんので、既存産業の戦争を避けるため新産業だけの限定で限界を超えてください！

注意事項として、基礎技術にリープフロッグは存在しません。応用分野のみです！

（個人的なアイデア）

Don tap scott is “block chain revolution”, such as Uber, Airbnb, TaskRabbit and Lyft. We are talking about shared economies. It is that equal peoples generate wealth together and share. It is a very powerful idea.

ドン・タプスコットが「ブロックチェーンレボリューション」の中で、UberやAirbnbやTaskRabbitやLyftといった。共有経済について話題にしています。対等な個人がいっしょに富を生み出し、共有するというのは。とても強力なアイデアです。

But, when you tell me that kind of company does not really share it! ! In fact, the success of these companies is due to not being shared. Furthermore, unless it is a country with high inflation, deflationary spirals will occur and gradually wages will not rise. The only solution at the moment is to tax and distribute widely to platform firms taking de facto standards with redistribution of wealth. This is important! ! I say.

でも、私に言わせるとそういった企業は本当に共有をしてはいません！！実際、これらの企業が成功しているのは、まさに共有しないことによってなのです。さらに、高インフレの国でないとデフレスパイラルが起きてしまい、次第に賃金が上昇しなくなります。現在の唯一の解決法は富の再分配でデファクトスタンダードをとっているプラットフォーマー企業に課税して広く配分するということです。ここが重要！！と言っています。

As a personal feeling, I think that around the dawn of Google until the financial crisis 2008 is the ideal form of redistribution. It might be even better if you incorporate block chains and virtual currency here.

個人的な感覚としては、金融危機2008までのGoogle黎明期の頃が所得再分配の理想形と思っています。ここにブロックチェーンと仮想通貨を組み込めば、さらに良いかもしれません。

As for the virtual currency, there are possibilities that three scenarios will merge into the hybrid in the future.

仮想通貨については、今後、３つのシナリオがハイブリッドに融合していく可能性があります。

First, virtual currency like bit coin substitutes investment and speculation. Second, platform firms taking the de facto standards issue and use virtual currencies. Third, we will utilize the virtual currency issued by central banks to support individuals with lower annual income (policy of the executive branch like helicopter money)

第一は、ビットコインのような仮想通貨が投資や投機を代用していく。 第二は、デファクトスタンダードをとっているプラットフォーマー企業が仮想通貨を発行、活用していく。 第三は、中央銀行が発行する仮想通貨を年収の低い個人の下支え用に活用していく（ヘリコプターマネー的な行政府の政策）

Current age of artificial intelligence. As other extended ideas such as MBS, REIT and ETF of effective monetary policy measures that began to be utilized after the financial crisis by the central bank, compensation other than options to raise taxes.

現在の人工知能時代。中央銀行による金融危機以降に活用し始めた有効な金融政策手段のMBS、REIT、ETFなどの他の拡張アイデアとして、賠償金をかける、税金アップ以外の選択肢。

In other words, central banks in each country actively purchase and forcibly buy industrial individual securities of platform companies that deflate goods other than the large public goods affecting low-income people who are currently de facto standards Support

つまり、いっそのこと現在デファクトスタンダードをとってる低所得者に影響大な公共財以外の財をデフレストリーム化させてるプラットフォーマー企業の産業個別の証券を各国の中央銀行が積極的に買取り、強制的に下支えして

Idea to stabilize price inflation by indirectly offsetting declines in prices by increasing the income of low-income earners by making profits on securities funded by basic income. Perhaps there is also the effect of increasing real GDP?

証券上の利益をベーシックインカムの原資にすることで低所得者の収入を増やし物価の下落を間接的に相殺させ物価を下支え安定化させるアイデア。もしかして、実質GDPも増加していく効果もあるかも？

In addition, central banks of neutral countries can improve redistribution function at basic income, as Plato says, it is possible to prevent the rise of populism which negatively falsifies dissatisfaction of the disparity which is the blind spot of ideal democratic politics maybe.

さらに、中立の各国の中央銀行がベーシックインカムで所得再分配機能を向上させることで、プラトンが言うように理想の民主政治の盲点である格差の不満を負に扇動していくポピュリズムの台頭を予防できるかもしれません。

In some ways, the information industry is also similar to credit markets.

情報産業はある意味、信用市場に似ているためもあります。

The idea of ​​raising the minimum wage by using the personal digital money-type basic income has flashed!

個人デジタル貨幣型ベーシックインカム活用で最低賃金の底上げをするアイデアがさらに閃いた！

As we have numerically clarified in Tomapiketi’s “21st Century Capital Theory”, the balance between capitalism and democracy is extremely difficult, and it is very difficult to solve while avoiding Soviet communism. There is.

トマピケティの「２１世紀の資本論」でも数値的に解明しているように、資本主義と民主主義のバランスが至難の技であって、ソビエト型共産主義を回避しつつの解決はとても難しいことでもあります。

He said that inequality and private property itself are not bad, and that the positive power of capitalism (innovation, economic growth, improvement of living standards) should be used for the public good.

不平等や私有財産それ自体が悪い訳ではなく、資本主義のポジティブなパワー（イノベーション、経済成長、生活水準の向上）は公共の利益のために活用すべきとも言っています。

The minimum wage within the social system will increase. Annually, up to 6 million yen in annual median according to steady economic growth!

社会システム内の最低賃金は上げていく。毎年、地道に経済成長に合わせて中央値で年収６００万円まで！

Basic Income is based on the premise of adding to current social security!

ベーシックインカムは、現在の社会保障にプラスしていくことを前提条件として考慮しています！

Employment insurance also pays benefits in addition to basic income.

雇用保険は、ベーシックインカムと別にプラスして給付金を支払うようにもする。

Basic income benefits are paid in addition to the minimum wage. Providing benefits as a personal digital money-type subsidy will increase the probability of approaching a median of 6 million yen per year, reduce future anxiety, and increase happiness.

最低賃金とは、別枠でプラスにベーシックインカム給付金を支払う。個人デジタル貨幣型補助金として給付していけば、中央値で年収６００万円に近づく確率も上がるし、将来の不安も減り、幸福度も確実に上がる。

If digital money is reprinted in another frame, the money supply will double, but the confidence in the currency will be harder to damage and the real GDP will be able to shift to a plus sum state where the cruise speed will increase. Enclosing in individual corporate units will result in a composition error, so do it for everyone at the same time.

デジタル貨幣を別枠で増刷すれば、貨幣供給量も倍になるが、通貨の信任は、毀損しづらくなって、実質GDPも巡航速度で増加していくプラスサムの���態に移行できる。個々の法人単位で囲い込むと合成の誤謬になるため、一度に全員に同時にすること。

The national debt, including government bonds and borrowings, is 1100 trillion yen as of the end of April 2019! A considerable decrease in debt. JGBs, etc. are 700 trillion yen because they are 400 trillion yen held by the BOJ.

国債と借入金などを合計した国の借金が、2019年4月末現在1100兆円！だいぶ借金減少。国債などは、日銀保有して400兆円だから実質700兆円。

Apart from all personal assets, all corporate assets are 2500 trillion yen, and if you use financial engineering as a source of funds, you can double the consumption tax tax and distribute it with a high corporate income tax increase!

全個人資産とは別に、全法人資産が2500兆円ありこれを原資に金融工学駆使すれば倍にできる消費税減税で高額法人所得者増税で分配させること！

A new tax may be created separately for the internal reserves of corporations to fund basic income.

法人の内部留保分に別枠で新規課税を創設してベーシックインカムの原資にしてもいい。

Thus, if digital monetary benefits (money with a time limit that is refunded at the end of the year only) from the New Year every month as a basic income, if the rate used for products and services of large companies is high, data from past flat-rate benefits failed. Is also clear.

こうして、ベーシックインカムとして���年、毎月、新年からデジタル貨幣給付(一年のみ年末返金する期限付き貨幣)されても大企業の製品やサービスに使われる率が多いと過去の定額給付金失敗のデータからも明らかになってる。

The corporate side is pretending that it does not know, but because it appears in the data, I realize that it will eventually be useless, and money will also go through large companies like a huge fund. At first, how about a financial engineering system where a large company loses but returns money to the large company in the long run?

法人側も知らないフリをしてるが、データにでているため、いずれ無駄だと気がつくし、マネーも大企業経由で巨大ファンドのようにお金が回る。初めは、大企業が、損するが長い目で見ると大企業にお金が帰る金融工学の仕組みではどうだろうか？

In this way, large corporations can also realize the term “public organs of society”, money goes up hugely, the standard of living of the common people rises, and the former glory and pride of big corporations of praise and first-class remain!

こうすれば、大企業は、社会の公器という言葉も実現できるし、お金が巨大に回り、庶民の生活水準も上がり、賞賛と一流という大企業のかつての栄光やプライドも残る！

If you circulate in digital currency on a blockchain such as Libra, Central Bank, etc. (money with a time limit that is refunded at the end of the year only), fraud will also disappear.

リブラ、中央銀行などのブロックチェーンでのデジタル通貨(一年のみ年末返金する期限付き貨幣)で流通すれば、不正もなくなる。

Furthermore, if the consumption tax hike itself is executed from data, there are not enough measures to have a direct impact on the decline in personal consumption after the Lehman Shock and beyond the Great East Japan Earthquake! Reduce consumption tax and cut consumption tax by double the amount in 2018!

さらに、データなどから消費増税自体が実行するとリーマンショック以上、東日本大震災以上で個人消費落ち込みに、はるかに直接影響するのに対策がまだまだ足りない！2018年の倍額で消費税対策、消費減税をしろ！

8050 problem? If you are about 600,000 people, every year you can solve all 10 million in a digital currency with a one-year deadline with a full benefit from My Number Card!

8050問題？60万人位なら、毎年、1年間期限付きデジタル通貨で1000万をマイナンバーカード経由から全額一斉給付で全て解決します！

Does not become a social problem! Minor crimes will definitely be reduced. Security is improved, security cameras are not required, police dismantling can be promoted, and police operations are reduced. At the end of the year and over the year, there will be no anxiety. Easy! Funding is created by creating a new taxation separately from the super wealthy, including the mass media, and forcibly collecting the wealth tax! Only about 6 tillion yen per year!

社会問題化しない！軽犯罪も確実に減る。治安も良くなり防犯カメラも不要になるし、警察解体促進できて警察業務も減る。年末や年越しも不安がゼロになる。簡単だろ！財源はマスメディアを含めた超裕福層から別枠で新規課税を創設し、裕福税を強制徴収！年間6兆円程度で済むぞ！

Annually, 3 tillion yen with 5 million yen per year in digital currency with a one-year time limit! If you collect it, you can pay with pocket money! The points are paid annually from low-income households with a higher amount than ordinary workers.

毎年、1年間期限付きデジタル通貨で年間500万円で3兆円！かき集めれば、ポケットマネーで払えるだろ！一般労働者より高額にして低年収世帯から毎年給付がポイント。

It becomes fair and corporations are forced to increase their productivity. If you want to work, you can get plenty of money to return to society, so you can use the money efficiently to find employment, qualify, or acquire skills at school. . Because it is a capitalist society where activities are not possible!

公平になるし法人は生産性を上げざるを得なくなる。働きたい人は社会復帰できる資金も潤沢に給付されるから、その蓄えで自由に就職活動、資格取るなり、学校で技術を身に付けるなりして、��率的に資金を活用して働けばいい。活動もタダではできない資本主義社会だから！

Make it possible to select the usage. Because it is digital money, it can also be tracked! The jealousy of the super wealthy and the envy are drastically reduced and health can be maintained. The happiness of the common people will also increase!

使い道も自由に選択できるようにする。デジタル貨幣だから追跡もできる！超裕福層へのねたみ、そねみも激減し、健康を維持できる。庶民の幸福度も上がる！

You can also work freely! Without such a person, the value of working will not increase!

‪働かないことも自由にできる！こういう人もいないと働く価値は上がらない！

Well, human beings, who are usually social animals who want to interact with others when they have abundant money, are more likely to be in pain if they don’t work with everyone in the process of evolution.

まぁ、たいていお金が豊富にあると他人と関わり合いたくなる欲がでる社会的な動物である人類は、進化の過程でみんなと働かないことは、苦痛になる可能性は高くなるけどね。

The data proves. Japanese people have such characteristics. There is no problem even if you make a yearly payment from a low-income household at a higher price than regular workers!

データが証明している。日本人は、特にそういう特質があります。一般労働者より高額にして低年収世帯から毎年給付しても問題はない！‬

It is better to take M & A tax cuts and use retained earnings as an incentive, but is it sustainable? Should I limit the period? What will you do after consolidation of corporations? What is the capital investment for education? I want you to consider it!

M&Aに減税措置をして内部留保金の活用をインセンティブとして行うのは、ベターだが、持続性は？期間を限定した方がいい？法人の統合集約後はどうするのか？教育の設備投資は？まで検討してもらいたい！

About once in 100 years, the government can distribute an extreme heavy tax to all citizens and distribute them to all citizens with basic income.

１００年に一回くらい、行政府が極端な重税を全ての国民にかけてベーシックインカムで全ての国民に所得再分配して、システマティックに創造的破壊をすれば国家単位の債務の返済を相殺できる！

In addition, corporations can be natural and people can improve their living standards! It’s an extreme argument, but what if we consider it and simulate it?

さらに、法人も自然淘汰できて庶民も生活水準を向上できる！極論だが、これで検討してシュミレーションしてみたらどうだろうか？

You can avoid festivals by the release of anger and wars by civilization conflicts in the Rojekaiyowa war theory, and you can wipe out populism. It looks like a bank stress test!

ロジェカイヨワ戦争論で言う怒りの解放による祝祭や文明の衝��による戦争も回避できるし、ポピュリズムも一掃できる。銀行のストレステストみたいなイメージです！

Really strong corporations will also be metabolized, and political ties and corruption will be wiped out. In addition, synthetic errors do not occur, and artificial dynamism occurs in planned and soft landings other than the presidential system.

真に強い法人も新陳代謝されていく方向になり、政治的なしがらみ、腐敗も一掃？また、合成の誤謬も起こらず、大統領制以外で人工のダイナミズムが計画的、ソフトランディングに発生する。

By the way, if you do not have a safety net called basic income, you will fall into a hard landing.

ちなみに、ベーシックインカムというセーフティネットが無いとハードランディングに陥ります。

That’s more if Scandinavia is building a similar system that can be expanded to take into account population size in the billions and synthesis errors. Scandinavian Communism? Soviet communism? Chinese Communism? There are various types, Communism 2.0, Socialism 2.0?

北欧が似たようなシステムを構築しており、それを拡張させて、億単位の人口規模や合成の誤謬を考慮にいれると以上になる。北欧型共産主義？ソビエト型共産主義？中国型共産主義？様々なタイプがあり、共産主義2.0、社会主義2.0？

What will be the resources of social security that will increase in the future? The following five methods can be considered.

今後、増える社会保障の財源はどうするのだろうか？その方法としては、次の5つが考えられる。

1. Extreme increase in corporate tax. 2. Reinforcement of income tax extreme progress. 3. Extreme increase in social insurance premiums. 4. Extreme tax increase of inheritance tax. 5. Extreme increase in government bonds. If done individually, domestic corporations will move overseas.

1、法人税の極端な増税。2、所得税の極端な累進性強化。3、社会保険料の極端な増税。4、相続税の極端な増税。5、国債の極端な増発。 個別に行うと国内法人は海外に移転してしまう。

But all done at the same time. If you use this as a source of basic income and benefit every year in digital currency (money with a time limit that is refunded at the end of the year for only one year), it will be returned to all corporations in one year, so wages will rise, and composition errors will not occur. It doesn’t become a thrift paradox.

しかし、すべて同時に行い。これをベーシックインカムの原資にして毎年、デジタル通貨(一年のみ年末返金する期限付き貨幣)で給付したら、一年で全法人に還流されるため、賃金も上がり、合成の誤謬は、起こらず、倹約のパラドックスにならない。

Consumption tax is called tax savings and cannot be deliberately manipulated like corporate tax. The safety net will be strengthened by making payments with a fixed-denomination currency that is refunded only at the end of the year.

消費税は、節税と称し法人税みたいに意図的に下方操作できないので維持して税率は下げていく方向に普通の法定通貨で運用しつつ、同時に、上記のベーシックインカムを毎年、デジタル通貨(一年のみ年末返金する期限付き貨幣)で給付することにしてセーフティネットを強化する。

Again, Basic Income takes into account the premise of adding to current social security! To prevent errors in synthesizing due to enclosure of corporations by providing benefits in digital currency (money with a time limit that is refunded at the end of the year only)

再び言うが、ベーシックインカムは、現在の社会保障にプラスしていくことを前提条件として考慮しています！デジタル通貨(一年のみ年末返金する期限付き貨幣)で給付することで法人の囲い込みによる合成の誤謬を抑止するため

（合成の誤謬について）

合成の誤謬とは、ミクロの視点では正しいことでも、それが、合成されたマクロ（集計量）の世界では、必ずしも意図しない結果が生じること。物理学では、相転移みたいな現象です。性質が変わってしまうということ。

ミクロのメカニズムが個人同士の経済における仕組みであるのに対して、マクロのメカニズムは、国家間や経済全体の循環における仕組みだからである。

例えば、家計の貯蓄などがよく登場するが悪い例えです。前提条件が、所得が一定の場合！！所得が一定じゃない増加する場合は？これは、論じていませんので参考になりません！！（法人が提供する製品やサービスの価格も一定の場合も前提条件です）

１９３０年代のアメリカ経済が金融危機2008と似たような状態に陥った時、ケインズは、「倹約のパラドックス」というケインズ経済学の法則を発見しています。

それは、ポール・Ａ・サミュエルソン(1915-2009)が、近代経済学の教科書「経済学」の冒頭で「個人を富裕にする貯金は、経済全体を貧困にする！（所得が一定の場合）」というわかりやすい言葉で表現しました。しかし、庶民の所得が増加し、貯蓄が投資、消費に回る場合には、「倹約のパラドックス」は生じません。

その後、この「倹約のパラドックス」は、アメリカの経済学者・ケネス・Ｊ・アロー(1921- )が「合成の誤謬」を数学的論理に基づいて「個人個人がそれぞれ合理的選択をしても、社会システム全体は合理的選択をするとは限らない」を検証してみせた。 要するに、部分最適ではなく、全体最適させていくということ。

つまり、新産業でイノベーションが起きるとゲーム理論でいうところのプラスサムになるから既存の産業との 戦争に発展しないため共存関係を構築できるメリットがあります。デフレスパイラルも予防できる？人間の限界を超えてることが前提だけど

しかし、独占禁止法を軽視してるわけではありませんので、既存産業の戦争を避けるため新産業だけの限定で限界を超えてください！ということに集約していきます。

なお、金融危機2008では、マイケル・メトカルフェも言うように、「特別資金引出権（SDR）」は、2008年に行われた緊急対策で、一国だけで行われたのではなく、驚くほど足並みの揃った協調の下に国際通貨基金（IMF）を構成する188ヶ国が各国通貨で総額2500億ドル相当を「特別資金引出権（SDR）」を用いて世界中の準備通貨を潤沢にする目的で増刷してます。

このアイデアの根本は、元FRB議長であったベンバーナンキの書籍「大恐慌論」です。この研究がなければ、誰一人として、変動相場制での当時の状況を改善し解決できなかったと言われています。

それ以前では、固定相場制でのマーシャルプランが有名です。

＜おすすめサイト＞

この世のシステム一覧イメージ図2012

ロジャー・スタイン：薬剤研究のための画期的な資金調達法

クリス・マクネット：サステナビリティな投資の論理

トビー・エクルズ：社会復帰への投資で社会変革を

ジョイ・サン: 資金援助の新しい形

今回はスティーブジョブスSteve Jobsについて

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[happyweddingblogs]

Average Cost of Wedding Invitations

I won’t lie to you, but choosing a bespoke wedding invitation is not a cakewalk. There are unlimited options to choose from. The cost of wedding invitations varies based on different factors, such as the type of Paper you choose, printing methods, colors, and accents. Couples get confused amidst so many options. But don’t worry, here we’re going to talk about all the options and how they affect your wedding invitation budget.

Please scroll down to read it all……

The average cost of wedding invitations is somewhere around $350 to $8,000 for a set of 100 invitations. Couples should set aside 5-6% of their overall budget for wedding invitations. The biggest factor that influences the cost of your wedding invitation is the printing method. Yes, there are many different kinds of printing methods used for printing a wedding invite. Besides, the kind of Paper used will also impact your cost hugely.

We will discuss every element in detail here to let you have a complete idea about the wedding invitation costing.

Here we go……

I. DIFFERENT PAPER TYPES

Different types of papers used for wedding invitations are as follows:

1. Cotton Fiber

This Paper is easier to customize, and it is the costliest among all. You can get it at $49 for the pack of 25 sheets.

2. Felt Cardstock

This is comparatively a thicker paper. It costs you somewhere around $24.6 for 100 sheets.

3. Matte

This is the most affordable type of Paper. With matte finishing, it looks quite beautiful. It cost you around $40 for 250 sheets.

4. Handmade Paper

It is the most eco-friendly option for couples opting for green weddings. This Paper costs you around $25 per 100 sheets.

5. Glossy Paper

This is a paper with more shining. It is one of the most common choices when it comes to wedding invitations. It is very affordable as well.

6. Parchment Paper

This is another very affordable option for couples. You can buy this one for $19.

7. Vellum Paper

This transparent material is easily printable and great for layering. It is priced at $17 for 50 sheets.

8. Recycled Paper

Similar to Handmade Paper, this is again an excellent option for eco-friendly weddings. The Paper is made from the use of recycled materials and plants.

9. Linen

Linen is a great option for couples who do not want to break their banks. It’s an affordable option, usually priced at $19 for 100 sheets.

Also See: Best & Creative Wordings for your Wedding Invitation

II. DIFFERENT PRINTING METHODS

Once you finalize the Paper for your wedding invitation, the next step is to choose the printing method. Below are the different methods used for printing wedding invitations:

1. Digital Printing

This is the most affordable option when it comes to printing a wedding invitation. This doesn’t involve too much effort. Just set up a file on the computer and hit print—no manual effort is involved in this type of printing method. Everything is done digitally, which makes the process easier and affordable. It is a budget-friendly option for couples who do not want to compromise on quality because of the price. It costs you anywhere from $300 to $1,000 for a set of 100.

2. Flat Printing

Flat (offset) printing has a similar effect to digital printing. However, in this method, inks are first mixed, and then the design is transferred to the invitation through a press. It costs you somewhere around $700 to $1200 for a set of 100.

3. Thermography

Thermography is similar to flat printing, except the powder is added to the ink to give it a raised texture on the Paper. A suite of 100 invitations created using thermography is priced at $1,000.

4. Letterpress Printing

Using a letterpress will add up to the overall cost of your wedding invitation. Of course, it’s a beautiful way to give your invitations a classic look. A set of 100 invitations created using letterpress printing will cost you $1400 – $1600. The higher cost is because of the number of supplies and manual labor involved to create custom presses for each design and color.

5. Calligraphy

Some couples prefer to hire calligraphers to add a custom element to their invites. This usually adds up to the overall cost of your wedding invitations. Hiring a calligrapher to custom design the lettering to your cards generally adds $300-$600 to your budget.

6. Engraving

This is the most expensive method of printing wedding invitations. Engraving designs or lettering into your invitations simply add to your wedding invitation budget. Notwithstanding, it’s an excellent option for couples wanting to make their invitations pop. It gives a formal, embossed look to your wedding invitation. A suite of 100 invitations is priced at $2000. The higher cost is due to the labor-intensive nature of the process.

Related: When To Send Wedding Invitations

DIFFERENT DESIGN ELEMENTS

After printing and paper, the next factor that influences your cost is accents or design elements. These additional features let your guests know whether your wedding will be a simple and intimate celebration or an event to remember for decades. Here are some of the popular wedding invitation add-ons along with their prices:

1. Glitter

Adding glitter to the invitations makes them sparkle. It generally adds around 10% to your overall wedding invitation cost.

2. Photography

You can get the best favorite picture of you two from the engagement shoot in your wedding invite to give it a more personal touch. Since it is done digitally, it won’t affect your budget much.

3. Foil stamping

Foil accents are a very popular embellishment. Foil stamping is done to make your invitation shine. Foil stamps come in many different colors, such as copper, gold, rose-gold, and silver, and add flair to wedding invitations. The coolest thing is they do not break banks. The cost varies depending upon the type of foil stamp you choose. For instance, a full foil stamp on a set of 100 invitations will cost you anywhere between $1500 to $1,800. In contrast, a gold foil stamping for 100 invitations will cost around $350 or less.

4. Color

Color is a great way to add definition to your wedding invitations. Moreover, with colors, you can highlight the essential parts of your wedding theme. More often than not, color charges are not separate, but if they aren’t, they don’t break your bank.

5. Blind Debossing and Embossing

Blind debossing and embossing are similar to letterpress but without ink. In blind debossing, a depression in the Paper is created, and in embossing, a raised text is created. Accents like family crests, monograms, etc., are either debossed or embossed. These accents factors cost around $200 to $300 per 100 wedding invitations.

6. Insert Cards or Additions

The most common wedding invitation insert includes a reception card, RSVP cards, directions, itineraries, etc. If your reception is at a different location than the wedding, you’ll need to insert a reception card. Besides, if you’ve planned a welcome party or a brunch before the wedding, that’ll also be inserted. Everything in an insert card should match your wedding invitations. A suit of 100 insert cards can range between $100 and $250 depending on the printing method.

7. Additions

There can be other add-ons as well, like your wedding invite tied with a bow, or wax-sealed, or laser cut, or deckled edge, etc. These additions won’t add too much to your cost but will make your wedding invitation stand out. Additions per 100 cards cost $20 – $50 depending on the type of addition.

OTHER COSTS

Envelope

Wedding invitation envelope. If you buy cards online, you’ll probably get envelopes with the card stock price. You can even customize your wedding invitation envelopes. However, if envelopes are not included in the card stock, you’ll spend around $15-$30 per 100 envelopes.

Shipping

If you’ve many out of the town guests, you’ll incur shipping or postage costs as well. For domestic postage, the average postage cost is around $0.50 per envelope. This means for a suit of 100 wedding invitations, you’ll spend about $50. Expect to pay more in case you’re sending wedding invitations abroad.

Pro tip: Consider buying a wedding invitation package; that includes everything from save the dates to wedding invitations and insert cards. Using the same provider, materials, and theme from the start allows you to save a lot of time and money. And you can get everything, including your save-the-dates, invitations, and stationery, perfectly matching together.

WEDDING INVITATION FAQs

Here is the list of frequently asked questions about wedding invitations; take a look…

Q. 1. When should I order my wedding invites?

Try to order your wedding invitations about four to five months prior to your wedding so that they’re ready to mail 10 to 12 weeks before the wedding. Doing so eliminates unnecessary stress or chaos. If you’re hosting a destination wedding or having many out-of-the-town guests, send out your invites even earlier.

Q. 2. Steps involved in choosing wedding invitations?

Steps involved in choosing wedding invitations are: sourcing inspiration, browse different designs, finalize wordings, find the trusted vendor, see their work, get a sample to invite from them, proofread the sample, if everything goes well, get them printed.

Q. 3. How many wedding invitations shall I order?

More often than not, a minimum of 50 cards should be ordered, and the maximum can be 1000 at a time. It is suggested to order at least ten cards extra. For instance, if you know you’ll have 85 guests, then order 90 invitations, etc. And if you’re not sure of the exact numbers of guests, order 10-20 extra cards.

Q. 4. What are the different shapes and sizes of wedding invitations?

Different shapes and sizes of wedding invitations include:

Portrait: 127.0mm (w) x 177.8mm (h)

Landscape: 177.8mm x 127.0mm

Square: 133.0mm x 133.0mm

The additional, optional items included in the wedding invitation set come in the following sizes:

Portrait info card: 101.6mm x 127.0mm

Landscape RSVP card: 123.8mm x 88.9mm with RSVP envelope to fit.

Q. 5. What is included in the wedding set?

A wedding invitation set varies as per your requirements. However, common factors included in the wedding invitation set are info cards, RSVP cards, reception cards, directions, itineraries, and pre-addressed RSVP envelopes. You can remove or add items from the set depending on your requirements.

Q. 6. What is the difference between saving the dates and wedding invitations?

Save the date cards are for sharing the news, day, and location of your wedding with your loved ones so that your guests can mark the date in their calendar well in advance. Save the dates are sent 6-8 months before you plan to get hitched and 9-12 months if you’re having a destination wedding.

Wedding invitations are the final cards that include every detail of your wedding to the wedding reception. A wedding invitation should be sent 10 to 12 weeks before the wedding. And if you’re having a destination wedding or many out-of-the-town guests, send out your invites even earlier.

Q. 7. Whom shall I send save the date?

Save the dates are sent to your loved one and close people. It is to inform them of your wedding news, along with the date and location.

Q. 8. When shall I send save the date?

Usually, save the dates are sent 6-8 months before you plan to get hitched and 9-12 months if you’re having a destination wedding.

Q. 9. How much does a wedding invitation cost?

The cost of a wedding card varies based on several factors, including the material, Paper, printing style, accents, etc. On average, a simple and elegant wedding invitation costs you around $300 for a set of 100 pieces. At the same time, a set of 100 extravagant cards with lots of embellishments may cost you about $8000.

Q. 10. Who shall I not send save the date?

You don’t need to send the save the date to your close family or members of your wedding party who are already aware of your wedding. In this case, you can just send them an invitation.

Q. 11. How shall I address a wedding invitation with a plus one?

If you’re 100% sure about the name of your guest’s plus one, you can include their name on the main invitation. But your envelope should be addressed to your primary guest. Example: Mr. Jack William & Guest’. And if you don’t know the name of the plus one, you can write ‘Jack and guest’ on the invitation.

Q. 12. When to send the destination wedding invitation?

In the case of a destination wedding, your guests would need more time to block their dates, make travel and hotel bookings. In such an instance, it is imperative to send them your save the date 9-12 months before the wedding and wedding invitations 3-4 months in advance so that they get enough time to make all the arrangements.

Happy Wedding….

[talabib]

Rein In Your Financial Life Before It’s Too Late.

In 2013, a University of Chicago professor named Harold Pollack interviewed the financial journalist Helaine Olen. Somewhere along the conversation, he told her that personal finance was so simple that everything you needed to know about it could be written on an index card.

In fact, he was so convinced of this point that he proved it by grabbing an index card, writing down a set of rules, and posting a picture of it online. It wasn’t long before the picture went viral and the pair understood there was a book behind this idea.

In the fleshed out version of this viral financial advice card, this post explains in precise detail how you can gain control over your finances and why you should. The good news is that it really is simple. By adopting a few straightforward tips, you can begin saving for the future today. The trick is to make smart financial decisions, seek advice from the right people and start immediately!

Saving money today is hard, but a few tips can help.

We’ve all been there; you cash your paycheck only to see it disappear as you pay rent, cover utilities and buy groceries. And let’s not forget the ever-present threat of an unexpected car repair.

So, how can you pull yourself out of this financial debacle and gain control over your money? Naturally, it starts with saving, but that’s easier said than done. After all, the median annual household income in America dropped by $3,000 between 1998 and 2013 as wages decreased or stagnated. At the same time, the cost of living has gone up.

This perfect storm of plummeting wages and rising costs has resulted in some frightening statistics: a whopping 27 percent of US households have a net worth of just $5,000 or less, and 47 percent of Americans say they couldn’t come up with $400 in an emergency without borrowing money or selling something.

Since so many people are struggling to get their financial houses in order, if you don’t have any savings, you shouldn’t feel bad. But you should take action. If you fail to come up with a savings plan soon, you’ll never be able to invest for the future or even pay off your debt.

Think of it this way: if you save just 10 percent of your income every month, by the end of your first year you’ll already have a whole month’s salary put away!

Here are a few tips to get you started:

First, use cash instead of plastic. This may sound silly, but lots of studies have shown that people spend over 20 percent more when paying with a credit card or online than they do when they pay with physical money. Spending bills and coins is less abstract, so it’s harder for people to part with them.

You can also set up an automatic savings account. These automatically deduct and save a portion of your paycheck every month, which means you don’t have to endure the temptation of spending it. Lots of employers can even reroute some of your salary toward a savings account for you.

Take financial control by repaying your credit card debt in full.

When your grandparents stumbled upon a must-have purchase that they didn’t have the cash to cover, they paid for it in weekly installments, eventually paying off the item in full. But today, no such delayed gratification is necessary. Credit cards have removed this barrier, and the average credit-card owning American has 3.7 cards to her name.

However, this doesn’t spell financial freedom. In fact, it’s a recipe for financial doom. That’s because this rapid transition toward easily accessible, high-interest credit means that the average American household bears a shocking $7,000 in credit card debt.

Here’s why:

In the 1970s, the credit card companies realized how much money they could make from people racking up massive debts and never paying them back in full. The profits these companies now reap are a result of massive interest rates that are paid monthly by consumers who never manage to pay off the principle on their debts.

That’s why you should always pay your full credit card bill, not just the interest. Unfortunately, only about one-third of credit card holders take this route.

How come?

Well, psychologists think it’s because of a concept known as anchoring. People see the minimum required payment prominently displayed on the statement and “anchor” their thoughts about how much to pay based on that minimum.

If you fall into this category, or if you simply can’t pay off all your bills right away, just adopt this simple strategy. First, work out the Annual Percentage Rate or APR of each debt. This number refers to the interest that’s charged on a debt over the course of a year. It’s important because the fastest way to get out of debt is to pay off the debts with the highest interest rates first.

So, make a list, ranking all your debts by APR, highest to lowest. From there, prioritize those with the highest interest while making minimum payments on the others. Once you pay off your first debt, just move down the list until they’re all gone.

Shop around for your mortgage to save thousands.

The budget people set when shopping for a house is generally based on the amount they can borrow. But invariably, people fall in love with a dream home; before long, they begin to wonder if they can stretch their mortgage just a little bit.

Unfortunately, this is a huge mistake. Rather than reaching past your price bracket, you should assess what you can afford. To do so, there’s a simple rule of thumb: only buy a house if you can put down 20 percent of the purchase price.

In other words, if you have $20,000 for a deposit, you can afford a $100,000 house. This is important because the bigger your initial deposit, the lower your monthly mortgage payments will be. You’ll have borrowed less money and therefore have less to pay off. In this way, a higher deposit can save you thousands of dollars over the lifetime of your loan.

It may even result in a lower interest rate as well. That’s because smaller loans are less risky for lenders and they aren’t compelled to charge as much interest.

Beyond that, the bigger your deposit gets, the less likely your house’s market value is to drop below what you owe on your mortgage. This is a real threat if the housing market crashes, and you need to sell your property urgently. After all, in such a case you likely wouldn’t have time for the housing market to recuperate.

So, a 20 percent deposit is key. Once you’ve got one, you’re ready to start shopping for your mortgage.

That being said, research has found that just about 50 percent of people do shop around for a home loan. Why should you?

Well, consider the difference between settling for a $200,000 loan at 4.5 percent compared to shopping around for one at 4 percent. The first loan will run you an additional $700 a year. Over a 30 year period, that’s an extra $21,000 just because you didn’t take the time to look at your options.

Start saving for retirement today and make the most of all your options.

Imagine you’ve just started a new job and are signing your contract and other forms. You come across one that asks what percentage of your salary you’d like to contribute toward your retirement plan. You’re young and healthy, so you toss it in the trash. Just like that, you may have thrown away your future. This mistake can easily be avoided.

That’s because the common failure to save for retirement often stems from faulty logic. People tend to think they’ll never retire while the majority of retirees report being forced to stop working sooner than they had planned. In fact, just 20 percent of people work past age 65. You never know when health difficulties, age discrimination, or a crisis in the family might take matters out of your control.

Another common belief is that people have decades to save for retirement and there’s no rush. But compound interest complicates this assessment. For instance, if you save just $104 a month, starting at age 25, and put it in a pension fund that yields a 6 percent annual return, by 65 you’ll have saved $200,000. However, if you wait until age 45 to start investing in the same fund, you’ll need to deposit $430 a month to save the same amount by retirement age.

So, how much do you really need to save? Experts estimate that you should put away 15 percent of your monthly gross pay to ensure a comfortable retirement. That sounds like a lot, but your employer could be your key to success.

That’s because lots of employers offer an “employer match” for retirement savings. In such plans, an employer will match your pension contributions, – usually up to 6 percent of your annual earnings. So, make the maximum contribution you can to reap all of the benefits.

If you don’t, you’ll be among the 25 percent of people who, according to studies, fail to take full advantage of their employer matching options. Just think of it this way: it’s the closest you’ll ever come to making money for doing nothing!

Protect your family and finances by planning for the worst.

It’s no secret that shopping for insurance can be a depressing and demoralizing experience; preparing for the future brings you face-to-face with all the horrible things that could happen to you and your family. Who wants to do that?

But it’s even scarier to think about what would happen if something went wrong and you weren’t properly insured. What would your loved ones do if something happened to you? Would they suffer financially? If so, you need life insurance.

A life insurance policy pays out when the insured individual passes away. But not all life insurance is equal. The best protection you can get at the lowest cost comes in the form of term insurance. This is a type of life insurance policy that’s limited to a set amount of time

During that time, the policyholder makes an annual payment to keep herself covered, and the policy can be canceled on a yearly basis. If you don’t want it anymore, you just stop making your payments and your coverage goes away. But most importantly, when shopping for term life insurance, get a policy that has stable annual payments throughout its life.

So, life insurance is key for covering the worst possible outcome, but things go wrong every day, and to keep yourself covered you’ll also want home insurance. A good home insurance policy is really insurance on your net worth since your home is likely to be your family’s most valuable asset.

That’s why it’s crucial to know what any given policy does or doesn’t cover. So, when you shop around, think in worst-case scenarios like gale force winds destroying your home, a forest fire overtaking your town or severe flooding. Pose these scenarios to the insurance salesman and ask if the policy would cover you. But his word isn’t enough; you also need it in writing. Getting it down on paper will prevent vital claims from being denied due to technicalities.

Choose your financial advisor carefully and be prepared to pay her.

If you’re in the market for a financial advisor, you might come across people with titles as confusing as “chartered college planning specialist” or “retirement management analyst.” After all, financial advisors depend on convincing clients of their reputation. As a result, there are over 50 different job titles to describe people who specialize in financial planning for senior citizens alone!

So, who should you trust for your financial advice?

Well, there’s some good news on this front: there’s just one job title to look out for. It’s fiduciary, and you should always choose a financial advisor who follows the fiduciary standard. This is key since a fiduciary has a legal obligation to put your interests above her own. That means you can trust her to give you objective financial advice, to steer you clear of overpriced investments and to keep your interests at the forefront.

Remember, while anyone can call herself a financial advisor if she isn’t a fiduciary, she’s just a salesperson trying to make a living off of financial products while posing as an unbiased advisor. These so-called advisors have zero legal obligation to put your interests above their bottom line.

Sound financial advice isn’t free. Make sure that your financial advisor is being paid by you and you alone. This is important because lots of non-fiduciary financial advisors offer services for free, only to push you toward particular investments on which they collect a commission.

By contrast, while the fees that fiduciaries charge can take multiple forms, they’re all valid. You might be charged an hourly rate that ranges from $50 an hour for advice on how to get out of debt, to $500 an hour for specialized investment advice. Certain fiduciaries may even charge a flat rate for an agreed upon group of services, like a budget review or comprehensive financial plan.

Whatever tier you choose, find yourself an advisor that will give you sound advice and get your finances in order today!

Personal financial planning is the difference between a sound future and a deferred retirement. But the good news is that a few simples can distress your relationship to money and get your financial in order. By planning early and often , you can get out of debt and ensure yourself a comfortable retirement.

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Throne of Night - New Special Material: Gunzarak (True Mithral)

In Book 2, the (unfortunately) last published book for Throne of Night, we were introduced to the concept of “true mithral”, also known as gunzarak. It was a special processing of mithral that allowed you it to mimic some of the properties of adamantine. We even got a really interesting weapon in the form of an axe. We were also given a minimal amount of lore that this style of processing was a closely guarded secret to a specific clan of dwarves, and that its secret had long been lost over time.

Sadly, that’s all we got. It can be assumed that in Book 3, where we see the party finally find the lost dwarven city, that we would get either a sidebar or even an appendix that explained what true mithral was, and its pricing for armor and weapons. Sadly, this would not be the case. At least as of today’s entry.

Today, I’m going to give you my rundown on how I would have released it. I would like to say that I did not come about these numbers willy-nilly. I contacted some friends and acquaintances from the table top industry, who far more adept and knowledgeable at this kind of thing than I (not to mention decade long veterans) , and had them give me their opinions, then I went marketed it to more than a half-dozen players to get their take on it.

As always, for space reasons, I’ll be cropping the encounter build.

All images shared here were done by the forever fantastic and amazingly talented Michael D. Clarke, aka SpiralMagus

I do not have a Patreon or a Kickstarter, but I do have a Ko-Fi  page (linked) for those who are looking to support me monetarily. There is no pressure  or obligation to do so.

Finally, before I get to it, I hope everyone’s  staying safe right now.

Deep within the Zaraketh Mine, after solving a dwarven puzzle, what appears to be a mithral greataxe can be found by the party. To their astonishment, it’s actually an axe made of a new special material, gunzarak.

The provided lore says: But for all the dark elves’ skill in working this strange metal, it was in the forges of Dammerhall that the dwarves learned the secret of elevating mithral to its full potential. They could create an alloy that was lighter than aluminum, stronger than adamantine, as perfect a metal as this world has ever known. This was gunzarak (in dwarvish lit. the true gift of the earth) or “true mithral”. Even the drow had never seen its equal and it was Dammerhall’s gift to the world. Even today, centuries after the last sword of true mithral was forged, many a dynasty counts among its greatest heirlooms these dwarven blades and armors.The secret of making ‘true mithral’ was lost with the fall of Dammerhall. The dwarves too jealously guarded their secret and when calamity fell, the secret was lost. Perhaps there will never again come forth a smith capable of making gunzarak. Perhaps this jewel of dwarven lore is forever beyond the kin of mortals.

As written, the magic axe reads as thus:

The Axe of Horath Rocknose Aura moderate conjuration and transmutation; CL 10th Slot --; Price 27,320 gp; Weight 6 lbs. DESCRIPTION This is a +1 keen dragon-bane greataxe made of gunzarak (true mithral). It counts as both being made of adamantine while possessing the weight reduction of mithral. For the purpose of damage reduction it is considered as both an adamantine, silver and magic weapon. CONSTRUCTION Requirements Craft Arms and Armor, creator must know the secret of working true mithral, keen edge summon monster I; Cost 13,660 gp

Given its stats, it’s obvious that this was to be a major boon in Book 3. It can also be assumed that if the axe is shown to the stone golem blocking the secret passageway to Dammerhall, that’s part of the key needed for bypassing the guardian.

From a designer stance, this item has a few issues in the math and wording, but that’s okay. What’s important is that you can still discern its capabilities and what the author was trying to convey when he made it.

With what’s provided, and a little reverse engineering, we are able to deduce that, theoretically, gunzarak is worth 775 gp/lb. This is a little more than 1.5x what mithral costs (500 gp/lb.). That sounds reasonable enough.

Over the past month, I’ve had multiple discussions with some fellow game designers, as well as a bunch of players that I know. The reason being is designing special materials is a balancing act that many aren’t very good at. The conversations went from “treat this like a magic item and make the lowest cost be 1.5x the price and add the highest base, or at least add an additional percentage to the total price” to “adamantine in Pathfinder 1e and 3.5 was overpriced, so unless that gets fixed, you won’t get a proper price for this material.” What was also mentioned was that it was nice that this replicated both mithral and adamantine as a whole, like a magic item, what was special about it? What made it its own material that people would covet? Sure it was both mithral and adamantine, but you could find magic items that would made things better and cheaper, or even psionic powers or spells that could do it better, for cheaper, and not have any sort of weaknesses short of being dispelable. “True silver”, another special material (from Paizo), is processed to the point it was immune to rusting effects, so why wouldn’t true mithral have something similar, if not exactly the same? Again, all valid arguments.

In the end, after all the conversations had completed, this ended up being the final numbers and abilities. As such, I’d recommend the additional property be added to the axe in Book 2.

Gunzarak (True Mithral) Mithral that's been masterfully refined and processed, making it lighter than aluminum and stronger than adamantine. Armor: Heavy and medium armor are treated as one category lighter. ACP is reduced by 3 (to a minimum of 0), Dex bonus is increased by 2, and ASF is reduced by 10%. Grants untyped damage reduction 1/— (light), 2/— (medium), 3/— (heavy) Weapons: Ignore hardness of less than 20. Considered adamantine and silver with regards to bypassing DR. Special: Always considered masterwork. Immune to rusting effects. Hardness 20; Hit Points 30 per inch Armor Costs: Light (+6,000 gp), Medium (+15,000 gp), Heavy (+22,000 gp) Weapons and other items: 775 gp/lb.

It shouldn’t need explanation, but just in case, “rusting effects” include that of rusting monsters and the rusting grasp spell. Also, true mithral isn’t adamantine, even if it counts as such, so it won’t have the same ‘hit points per inch’.

I know that some people are going to argue that it’s way too cheap, but it’s honestly not. Adamantine is way too overpriced, and you fail a single save against a rusting effect and that PC is out their armor. Not to mention, given any other price point, you’re better off taking mithral armor and wearing a belt of Con for the additional hit points or something that can regenerate your heal in some way. Anything else would just be considered a waste of money. I know, the players I talked to schooled me pretty hard in that regard, and broke down the math. Not to mention, if you allow 3PP products in home games, a psychic warrior with the biofeedback power has DR 2/— for 1 minute/level, and can augment that to make it even higher. If you can turn that same power into a permanent magic item, it costs 8,000 gp to buy, but only 4,000 gp to make. It’s about being practical with your money at higher level, and crafting items takes a long time when it’s in the high, high thousands.

That said, if you feel it should be significantly higher, like say: Light armor +6,500; Medium +16,000; and Heavy +28,500 gp, which were the original prices I was suggested to go with, then so be it, but don’t be surprised if the party tries to sell the items for something cheaper and more practical, and bank the rest of the gold. Even more so if they’re playing with the kind of GM who is very strict about the wealth table, and being even 1 gold piece over it means you’re “broken” and no longer allowed an allowance until such time that you become high enough level to earn gold again. And, yes, those GMs absolutely exist, and players take that into consideration when it comes to their purchases. I will mention that my original prices were actually lower (14k and 20k for medium and heavy), but I was quickly talked out of it.

Again, this is what the decision came to be after multiple conversations with fellow TTRPG game designers (most having previously worked for Paizo) and players who’ve all played in very confining and restricted wealth games. In the end, we were all able to walk away happy. I have absolutely no idea how much Gary originally intended this material to cost, and I’m more than curious, but he had connections with Paizo as well (namely the director and lead designer, Jason Bulmahn), so it’s possible that our numbers aren’t all that different.

Segway: For anyone curious what a more practical cost for adamantine would be, Purple Duck Games published it as 750 gp for light weapons, 1500 gp for one-handed, and 3000 gp for two-handed. Armor was 4000, 8000, and 12000, respectfully. When it came to gunzarak, it was quoted as likely being 6000, 12000, and 18000 for the different armors. Weapons would probably start at 800 gp, to make it more of a round number, and different from adamantine. Mithral was also dropped to 350 gp for light weapons, 700 for one-handed, and 1400 for two-handed. Armor was 1000, 2000, and 3000. It sounds cheap, but the new Pathfinder 1.5 system they developed removed arcane spell failure.

Getting back to the original subject though, in Book 3, the party was supposed to discover the art of how to process the mithral, and I would bet that like in Book 2, the axe the PCs find is a key to a safe or another puzzle, that has that exact formula for how they’d do it. As to what that process is, I’ll leave it up to the GM. Their game, their rules. They would know best how it should be done in their own home games in their own home world.

----------------------------------------------------------------------

With that, the “Throne of Night” AP is complete. At least for now. All the known monsters have been identified and given stats (or linked to stats), the gunzarak is fleshed out a little more, an alternate race (that we should have seen in Book 3) was provided, a couple of extra monsters were added for additional encounters, more items were designed or showcased, and Mike’s fantastic art was shown off. Not to mention an entire AD&D adventure converted to Pathfinder 1e to help anyone finish their game without having to rely on books that don’t exist, and still give the AP some sense of finality. If there’s any more than that, I’ll do them as they come by may. At the very least, there’s more than enough to do your own game and give it a respectful ending.

If anything more if required, I made a resource page and posted a link on the Paizo forum for everyone to access. It has all of the relevant posts, additional adventures that could be used, suggestions and ideas from other GMs who homebrewed the rest of their own game, etc. A treasure trove of information for anyone needing it.

I thank everyone for coming with me on this journey.

[howtoloseweightfastsafely]

The Dangers of Low-Carb and Other "No Calorie Counting" Diets

I've found that the people who rant and rave about rules-based diets that lack calorie counting as a "lifelong solution" (or have been very successful losing weight on these plans) are:

Loaded up on coffee and stimulants at dangerous levels

Suffer from adrenal fatigue, thyroid issues, and hormonal imbalances

Reintroduce insulin resistance to their cells (this is a well-documented     negative with ketogenic/very low carb dieting)

Develop an obsessive mentality to cutting out a vilified food group (known as orthorexia nervosa), and end up causing themselves more stress than necessary. Unbeknownst to them, this leads to excess cortisol output (the stress hormone) which is known to increase stomach fat storage and muscle breakdown.

Far from what I would call a "lifelong solution".

Some other "not so great" things:

It's not easy to remove all carbs or fat or meat or dairy or one of the hundred other fad diets out there. Rather, it's very easy to fall off these plans and get stuck spinning your wheels for weeks, if not months.

When most people inevitably fall off the diet, even for a moment, they don't realize that it's not the end of the world. They just think that they "screwed up once again" and they binge out of anger and self-hatred. This binging puts on more fat via the high-calorie intake, but also because cells are more likely to store excess fat anytime a binge lasts more than a day (which is far too often the case with dieters).

In other words, if you screw up your diet on a Friday afternoon, do NOT say "ok I'll just start fresh on Monday". That 3-day binge is guaranteed to store a lot of fat, whereas forgiving yourself and starting fresh on Saturday morning will minimize fat gain.

When a restrictive diet fails, the dieter still hasn't learned the truth about controlling calories and macronutrient intake. So they end up shit outta luck again, ripe to be fooled by the next fad diet.

I'm not saying this to scare you. I'm saying this because it's true.

I've seen and heard of tens of hundreds of people fall prey to the same problem. Being sold on a diet that restricts a certain food group, seeing a lot of initial progress, and then wondering what happened when they plateau and the proverbial rug is pulled out from beneath.

I've also regrettably gone through many bouts of zero-carb dieting, very low-carb dieting (no more than 75 grams a day), very low-fat dieting, and more.

And when it's all said and done, there are only 2 possible outcomes:

1. Learning the fundamentals around nutrition and weight loss, and using them with virtual "oil wells" of success

2. Gaining back all the weight lost and then some, and searching for the next shiny new fad diet

I urge you not to be in the latter group. Stick with the truths that you learn here, and use these strategies for LIFE.

Anyone who is successful in ANY endeavor knows that the fundamentals will always work. And in weight loss, the most fundamental truth is that you must burn more calories than you take in, on a consistent basis. Going too high will cause fat gain or a plateau, and going too low will burn up more muscle than fat (giving the "skinny-fat" look) and ruin your metabolic/hormonal processes.

With that being said, I suggest one of the 2 following options (in both options, eat a minimum of 50-75 grams of carbs per day depending on your body size/activity. Smaller body or less activity = less carbs):

1. Jump right into calorie control (not too high and definitely not too low) as outlined in

Chapter 10, or using the bonus Excel calculator.

2. Mix both methods. Start by eating well 6 days a week, and having 1 "cheat day" per

week. Spend a minimum of 4 weeks, and a max of 12 on this, and then jump right into

calorie control. (Option 2 is laid out in the "Quick Start Guide")

[Important Note: I have given the "mix both methods" option since I know many people simply will NOT want to start counting calories right away. This method definitely works and is easy to jump into, but it can get taxing on the body and cause plateaus unless closely monitored. Do not do it for more than 12 weeks without a 1-2 week "diet break". For the best long-term results, I would start right away with counting calories and fat/protein/carbs a la Option 1.]

In any case, let's talk more about the "what to do" part.

My main philosophy for weight control AND feeling sane/happy/enjoying some "treats" is centered around the following:

Remove as many processed foods as you can, and fill the rest with "outdoor treats"

It took me some time to really get this through my head, but it had to be done.

For starters, whether it was low-fat, or sugar-free, or low-carb or whatever other marketing mumbo-jumbo was on the box if it wasn't a natural food, it HAD TO GO.

Anything that had *fake* ingredients got the axe!

I literally threw all the junk out of my cupboard and fridge. This meant all crackers, cookies, soda, bread, pasta, ice cream, chicken nuggets, etc.

And I started from a "blank canvas".

I only kept the simple ONE INGREDIENT FOODS that were in my kitchen. This meant things like frozen chicken/beef/other meat, eggs, olive oil, butter (yes, good ol', delicious butter!), beans, root vegetables and potatoes, rice, etc.!

And I made a pact with myself that I highly suggest you follow too:

Eat as many whole, natural, home-cooked meals as possible, and if, and only if, you are honestly too busy to prepare food, eat outside at some place where you can count calories and protein/fat/carbs. I call these "outdoor treats" since you should be buying them out of the house (meaning there's no junk to binge on inside the house!)

And therein lies one of my personal "secrets" to fat loss.

Kick your own butt as much as you can to cook nutritious meals at home, and if you honestly can't one day? Go to the "big-box" stores that list calories in the store (or if you're ambitious enough, search Google for the store's "Nutrition Facts"). Or go get a junk protein bar (95% of them are filled with unhealthy ingredients). Or hit up some fast food.

I'm serious.

If you don't have a meal prepared, go to McDonald's for all I care (though I seriously try not to, for obvious health/food quality reasons).

But I would much rather you grab junk food (with sufficient protein so you can see attractive, lean muscle when the fat disappears) that you can COUNT AND RECORD, rather than grabbing a tub of pasta or big sandwich at some deli, where you have NO idea how much you're eating.

I see the latter of these situations happen ALL the time, especially in professional settings. (I've worked in corporate finance for 3+ years).

My coworkers, knowing me as the resident "health nut" will say:

"Hey Sayan, I just had this amazing salad from down the block."

Or:

"Yeah, I got some Mediterranean food today. It's really fresh and organic so I know it'll help me lose weight."

Or hundreds of other similar things, primarily based around the MYTH that "just eating healthy" will help you lose weight.

Sorry bucko, but as I've mentioned a few times already, it's just not that simple.

My awesome, yet misinformed, coworkers don't realize that the "amazing salad" contains dressing poured on at the discretion of the salad guy behind the counter. Or that the Mediterranean food contains lots of hummus, rice/pita, and/or meat, which, may technically be "good for you", but cannot be counted and recorded. And thus does not fit with your weight loss goals.

You may have also noticed an interesting phenomenon in most food establishments. The salad guy behind the counter (or food server in general), doesn't seem to exactly like his/her job. Many a time have I said "just give me a few drops of the olive oil" or "put the dressing on the side please", only to have them give me the proverbial "f*ck you" by dousing my salad in probably 5 tablespoons worth of oil (at 140 calories per tablespoon, that's a cool 700 calories of dressing.)

This ruins everything. We already can't count how many calories are in the meal, we don't know how much protein is in the meal, we have no idea how the protein source has been cooked/prepared, and now we have a gazillion calories of oil or dressing to deal with.

No bueno.

Which brings us back to the main point.

 Interested in losing weight? Then click below to see the exact steps I took to lose weight and keep it off for good...

Read the previous article about "The #1 Ridiculous Diet Myth Pushed By 95% Of Doctors And "experts" That Is Keeping You From The Body Of Your Dreams"

Read the next article about "Why Red Meat May Be Good For You And Eggs Won't Kill You"

Moving forward, there are several other articles/topics I'll share so you can lose weight even faster and feel great doing it.

Below is a list of these topics and you can use this Table of Contents to jump to the part that interests you the most.

Topic 1: How I Lost 30 Pounds In 90 Days - And How You Can Too

Topic 2: How I Lost Weight By Not Following The Mainstream Media And Health Guru's Advice - Why The Health Industry Is Broken And How We Can Fix It

Topic 3: The #1 Ridiculous Diet Myth Pushed By 95% Of Doctors And "experts" That Is Keeping You From The Body Of Your Dreams

Topic 4: The Dangers of Low-Carb and Other "No Calorie Counting" Diets

Topic 5: Why Red Meat May Be Good For You And Eggs Won't Kill You

Topic 6: Two Critical Hormones That Are Quietly Making Americans Sicker and Heavier Than Ever Before

Topic 7: Everything Popular Is Wrong: The Real Key To Long-Term Weight Loss

Topic 8: Why That New Miracle Diet Isn't So Much of a Miracle After All (And Why You're Guaranteed To Hate Yourself On It Sooner or Later)

Topic 9: A Nutrition Crash Course To Build A Healthy Body and Happy Mind

Topic 10: How Much You Really Need To Eat For Steady Fat Loss (The Truth About Calories and Macronutrients)

Topic 11: The Easy Way To Determining Your Calorie Intake

Topic 12: Calculating A Weight Loss Deficit

Topic 13: How To Determine Your Optimal "Macros" (And How The Skinny On The 3-Phase Extreme Fat Loss Formula)

Topic 14: Two Dangerous "Invisible Thorn" Foods Masquerading as "Heart Healthy Super Nutrients"

Topic 15: The Truth About Whole Grains And Beans: What Traditional Cultures Know About These So-called "Healthy Foods" That Most Americans Don't

Topic 16: The Inflammation-Reducing, Immune-Fortifying Secret of All Long-Living Cultures (This 3-Step Process Can Reduce Chronic Pain and Heal Your Gut in Less Than 24 Hours)

Topic 17: The Foolproof Immune-enhancing Plan That Cleanses And Purifies Your Body, While "patching Up" Holes, Gaps, And Inefficiencies In Your Digestive System (And How To Do It Without Wasting $10+ Per "meal" On Ridiculous Juice Cleanses)

Topic 18: The Great Soy Myth (and The Truth About Soy in Eastern Asia)

Topic 19: How Chemicals In Food Make Us Fat (Plus 10 Banned Chemicals Still in the U.S. Food Supply)

Topic 20: 10 Banned Chemicals Still in the U.S. Food Supply

Topic 21: How To Protect Yourself Against Chronic Inflammation (What Time Magazine Calls A "Secret Killer")

Topic 22: The Truth About Buying Organic: Secrets The Health Food Industry Doesn't Want You To Know

Topic 23: Choosing High Quality Foods

Topic 24: A Recipe For Rapid Aging: The "Hidden" Compounds Stealing Your Youth, Minute by Minute

Topic 25: 7 Steps To Reduce AGEs and Slow Aging

Topic 26: The 10-second Trick That Can Slash Your Risk Of Cardiovascular Mortality By 37% (Most Traditional Cultures Have Done This For Centuries, But The Pharmaceutical Industry Would Be Up In Arms If More Modern-day Americans Knew About It)

Topic 27: How To Clean Up Your Liver and Vital Organs

Topic 28: The Simple Detox 'Cheat Sheet': How To Easily and Properly Cleanse, Nourish, and Rid Your Body of Dangerous Toxins (and Build a Lean Well-Oiled "Machine" in the Process)

Topic 29: How To Deal With the "Stress Hormone" Before It Deals With You

Topic 30: 7 Common Sense Ways to Have Uncommon Peace of Mind (or How To Stop Your "Stress Hormone" In Its Tracks)

Topic 31: How To Sleep Like A Baby (And Wake Up Feeling Like A Boss)

Topic 32: The 8-step Formula That Finally "fixes" Years Of Poor Sleep, Including Trouble Falling Asleep, Staying Asleep, And Waking Up Rested (If You Ever Find Yourself Hitting The Snooze Every Morning Or Dozing Off At Work, These Steps Will Change Your Life Forever)

Topic 33: For Even Better Leg Up And/or See Faster Results In Fixing Years Of Poor Sleep, Including Trouble Falling Asleep, Staying Asleep, And Waking Up Rested, Do The Following:

Topic 34: Solution To Overcoming Your Mental Barriers and Cultivating A Winner's Mentality

Topic 35: Part 1 of 4: Solution To Overcoming Your Mental Barriers and Cultivating A Winner's Mentality

Topic 36: Part 2 of 4: Solution To Overcoming Your Mental Barriers and Cultivating A Winner's Mentality

Topic 37: Part 3 of 4: Solution To Overcoming Your Mental Barriers and Cultivating A Winner's Mentality

Topic 38: Part 4 of 4: Solution To Overcoming Your Mental Barriers and Cultivating A Winner's Mentality

Topic 39: How To Beat Your Mental Roadblocks And Why It Can Be The Difference Between A Happy, Satisfying Life And A Sad, Fearful Existence (These Strategies Will Reduce Stress, Increase Productivity And Show You How To Fulfill All Your Dreams)

Topic 40: Maximum Fat Loss in Minimum Time: The Body Type Solution To Quick, Lasting Results

Topic 41: If You Want Maximum Results In Minimum Time You're Going To Have To Work Out (And Workout Hard, At That)

Topic 42: Food Planning For Maximum Fat Loss In Minimum Time

Topic 43: How To Lose Weight Fast If You're in Chronic Pain

Topic 44: Nutrition Basics for Fast Pain Relief (and Weight Loss)

Topic 45: How To Track Results (And Not Fall Into the Trap That Ruins 95% of Well-Thought Out Diets)

Topic 46: Advanced Fat Loss - Calorie Cycling, Carb Cycling and Intermittent Fasting

Topic 47: Advanced Fat Loss - Part I: Calorie Cycling

Topic 48: Advanced Fat Loss - Part II: Carb Cycling

Topic 49: Advanced Fat Loss - Part III: Intermittent Fasting

Topic 50: Putting It All Together

Learn more by visiting our website here: invigoratenow.com

[takahashicleaning]

ＴＥＤにて

ジョン・ゴシアー：「テクノロジーの開発におけるトリクルダウン理論？」の問題

（詳しくご覧になりたい場合は上記リンクからどうぞ）

テクノロジー万歳？テクノロジーのおかげで、私たちの社会はより良く変化していきます！！そうでしょう？いいえ、必ずしもそうとは限りません。

新しいテクノロジーはごく限られた人々のためのものであり、多くの人々には予想外の結果をもたらします。

TEDフェロー、また、テクノロジー投資家でもあるジョン・ゴシアーは、「テクノロジーの開発におけるトリクルダウン理論」と題して、新しいテクノロジーが平等に配分されなかった場合の危険性について、様々な例を用いて考察していきます。

「人間の限界を超えたイノーベーションは、全ての人々にかかわるものであるべきだ」と彼は言います。

このように、私たちの開発する技術がこうした思わぬ結果を招いているのです。時として、私たち技術開発者は有効性よりも効率を重視します。私たちは、それによって 引き起こされる結果に目を向けません。

これは改善されるべき事実です。世の中をコントロールする技術であるからこそ、技術によって引き起こされる結果に目を向けるべきなのです。

こういう新産業でイノベーションが起きるとゲーム理論でいうところのプラスサムになるから既存の産業との

戦争に発展しないため共存関係を構築できるメリットがあります。デフレスパイラルも予防できる？人間の限界を超えてることが前提だけど

しかし、独占禁止法を軽視してるわけではありませんので、既存産業の戦争を避けるため新産業だけの限定で限界を超えてください！

（合成の誤謬について）

合成の誤謬とは、ミクロの視点では正しいことでも、それが、合成されたマクロ（集計量）の世界では、必ずしも意図しない結果が生じること。物理学では、相転移みたいな現象です。性質が変わってしまうということ。

ミクロのメカニズムが個人同士の経済における仕組みであるのに対して、マクロのメカニズムは、国家間や経済全体の循環における仕組みだからである。

例えば、家計の貯蓄などがよく登場するが悪い例えです。前提条件が、所得が一定の場合！！所得が一定じゃない増加する場合は？これは、論じていませんので参考になりません！！（法人が提供する製品やサービスの価格も一定の場合も前提条件です）

１９３０年代のアメリカ経済が金融危機2008と似たような状態に陥った時、ケインズは、「倹約のパラドックス」というケインズ経済学の法則を発見しています。

それは、ポール・Ａ・サミュエルソン(1915-2009)が、近代経済学の教科書「経済学」の冒頭で「個人を富裕にする貯金は、経済全体を貧困にする！（所得が一定の場合）」というわかりやすい言葉で表現しました。しかし、庶民の所得が増加し、貯蓄が投資、消費に回る場合には、「倹約のパラドックス」は生じません。

その後、この「倹約のパラドックス」は、アメリカの経済学者・ケネス・Ｊ・アロー(1921- )が「合成の誤謬」を数学的論理に基づいて「個人個人がそれぞれ合理的選択をしても、社会システム全体は合理的選択をするとは限らない」を検証してみせた。 要するに、部分最適ではなく、全体最適させていくということ。

つまり、新産業でイノベーションが起きるとゲーム理論でいうところのプラスサムになるから既存の産業との 戦争に発展しないため共存関係を構築できるメリットがあります。デフレスパイラルも予防できる？人間の限界を超えてることが前提だけど

しかし、独占禁止法を軽視してるわけではありませんので、既存産業の戦争を避けるため新産業だけの限定で限界を超えてください！ということに集約していきます。

なお、金融危機2008では、マイケル・メトカルフェも言うように、「特別資金引出権（SDR）」は、2008年に行われた緊急対策で、一国だけで行われたのではなく、驚くほど足並みの揃った協調の下に国際通貨基金（IMF）を構成する188ヶ国が各国通貨で総額2500億ドル相当を「特別資金引出権（SDR）」を用いて世界中の準備通貨を潤沢にする目的で増刷してます。

このアイデアの根本は、元FRB議長であったベンバーナンキの書籍「大恐慌論」です。この研究がなければ、誰一人として、変動相場制での当時の状況を改善し解決できなかったと言われています。

それ以前では、固定相場制でのマーシャルプランが有名です。

（個人的なアイデア）

In the field of technology beyond the limits of human beings, it is less problematic to trickle down in the atom (analogue field) than in the bit (digital field) (there is also a rise in prices)

人間の限界を超えたテクノロジーの分野で、しかも、ビット（デジタル分野）よりもアトム（アナログ分野）でトリクルダウンする方が問題が少ないような気がします（物価上昇も含めて）

Alternatively, it may be necessary to supplement income policies such as the policy of income doubling plan of Japan, optimized execution in simultaneous artificial intelligence era is indispensable.

もしくは、日本の所得倍増計画の政策のような所得政策との補完、同時進行での人工知能時代に最適化した実行が不可欠かもしれません。

In the case of Japan, the difference between the Phillips curve from 2013 and the wage rise rate in the 1970s and 1980s has a policy of income doubling plan, so the latter will rise and the former will stagnate. Is there a solution to the wage increase rate still in the wage increase rate policy?

日本の場合、2013年からのフィリップス曲線と1970、1980年代の賃金上昇率の違いは所得倍増計画の政策があるから後者は上がり、前者は伸び悩む。賃金上昇率の解決策はやはり賃金上昇率政策にある？

The difference from the era of high economic growth is that the first-class enterprise monopoly company at the time 2017 is abusing the superior position, so it is necessary to construct and redistribute the large-scale retail store location law in the Internet age?

高度経済成長の時代と違いは、現在2017時点の一流企業独占企業が優越的地位の濫用をしてるため、インターネット時代の大規模小売店舗立地法構築、所得再分配が必要？

Current age of artificial intelligence. As other extended ideas such as MBS, REIT and ETF of effective monetary policy measures that began to be utilized after the financial crisis by the central bank, compensation other than options to raise taxes.

現在の人工知能時代。中央銀行による金融危機以降に活用し始めた有効な金融政策手段のMBS、REIT、ETFなどの他の拡張アイデアとして、賠償金をかける、税金アップ以外の選択肢。

In other words, central banks in each country actively purchase and forcibly buy industrial individual securities of platform companies that deflate goods other than the large public goods affecting low-income people who are currently de facto standards Support

つまり、いっそのこと現在デファクトスタンダードをとってる低所得者に影響大な公共財以外の財をデフレストリーム化させてるプラットフォーマー企業の産業個別の証券を各国の中央銀行が積極的に買取り、強制的に下支えして

Idea to stabilize price inflation by indirectly offsetting declines in prices by increasing the income of low-income earners by making profits on securities funded by basic income. Perhaps there is also the effect of increasing real GDP?

証券上の利益をベーシックインカムの原資にすることで低所得者の収入を増やし物価の下落を間接的に相殺させ物価を下支え安定化させるアイデア。もしかして、実質GDPも増加していく効果もあるかも？

In addition, central banks of neutral countries can improve redistribution function at basic income, as Plato says, it is possible to prevent the rise of populism which negatively falsifies dissatisfaction of the disparity which is the blind spot of ideal democratic politics maybe.

さらに、中立の各国の中央銀行がベーシックインカムで所得再分配機能を向上させることで、プラトンが言うように理想の民主政治の盲点である格差の不満を負に扇動していくポピュリズムの台頭を予防できるかもしれません。

In some ways, the information industry is also similar to credit markets.

情報産業はある意味、信用市場に似ているためもあります。

The idea of ​​raising the minimum wage by using the personal digital money-type basic income has flashed!

個人デジタル貨幣型ベーシックインカム活用で最低賃金の底上げをするアイデアがさらに閃いた！

As we have numerically clarified in Tomapiketi’s “21st Century Capital Theory”, the balance between capitalism and democracy is extremely difficult, and it is very difficult to solve while avoiding Soviet communism. There is.

トマピケティの「２１世紀の資本論」でも数値的に解明しているように、資本主義と民主主義のバランスが至難の技であって、ソビエト型共産主義を回避しつつの解決はとても難しいことでもあります。

He said that inequality and private property itself are not bad, and that the positive power of capitalism (innovation, economic growth, improvement of living standards) should be used for the public good.

不平等や私有財産それ自体が悪い訳ではなく、資本主義のポジティブなパワー（イノベーション、経済成長、生活水準の向上）は公共の利益のために活用すべきとも言っています。

The minimum wage within the social system will increase. Annually, up to 6 million yen in annual median according to steady economic growth!

社会システム内の最低賃金は上げていく。毎年、地道に経済成長に合わせて中央値で年収６００万円まで！

Basic Income is based on the premise of adding to current social security!

ベーシックインカムは、現在の社会保障にプラスしていくことを前提条件として考慮しています！

Employment insurance also pays benefits in addition to basic income.

雇用保険は、ベーシックインカムと別にプラスして給付金を支払うようにもする。

Basic income benefits are paid in addition to the minimum wage. Providing benefits as a personal digital money-type subsidy will increase the probability of approaching a median of 6 million yen per year, reduce future anxiety, and increase happiness.

最低賃金とは、別枠でプラスにベーシックインカム給付金を支払う。個人デジタル貨幣型補助金として給付していけば、中央値で年収６００万円に近づく確率も上がるし、将来の不安も減り、幸福度も確実に上がる。

If digital money is reprinted in another frame, the money supply will double, but the confidence in the currency will be harder to damage and the real GDP will be able to shift to a plus sum state where the cruise speed will increase. Enclosing in individual corporate units will result in a composition error, so do it for everyone at the same time.

デジタル貨幣を別枠で増刷すれば、貨幣供給量も倍になるが、通貨の信任は、毀損しづらくなって、実質GDPも巡航速度で増加していくプラスサムの状態に移行できる。個々の法人単位で囲い込むと合成の誤謬になるため、一度に全員に同時にすること。

The national debt, including government bonds and borrowings, is 1100 trillion yen as of the end of April 2019! A considerable decrease in debt. JGBs, etc. are 700 trillion yen because they are 400 trillion yen held by the BOJ.

国債と借入金などを合計した国の借金が、2019年4月末現在1100兆円！だいぶ借金減少。国債などは、日銀保有して400兆円だから実質700兆円。

Apart from all personal assets, all corporate assets are 2500 trillion yen, and if you use financial engineering as a source of funds, you can double the consumption tax tax and distribute it with a high corporate income tax increase!

全個人資産とは別に、全法人資産が2500兆円ありこれを原資に金融工学駆使すれば倍にできる消費税減税で高額法人所得者増税で所得再分配させること！

A new tax may be created separately for the internal reserves of corporations to fund basic income.

法人の内部留保分に別枠で新規課税を創設してベーシックインカムの原資にしてもいい。

Thus, if digital monetary benefits (money with a time limit that is refunded at the end of the year only) from the New Year every month as a basic income, if the rate used for products and services of large companies is high, data from past flat-rate benefits failed. Is also clear.

こうして、ベーシックインカムとして毎年、毎月、新年からデジタル貨幣給付(一年のみ年末返金する期限付き貨幣)されても大企業の製品やサービスに使われる率が多いと過去の定額給付金失敗のデータからも明らかになってる。

The corporate side is pretending that it does not know, but because it appears in the data, I realize that it will eventually be useless, and money will also go through large companies like a huge fund. At first, how about a financial engineering system where a large company loses but returns money to the large company in the long run?

法人側も知らないフリをしてるが、データにでているため、いずれ無駄だと気がつくし、マネーも大企業経由で巨大ファンドのようにお金が回る。初めは、大企業が、損するが長い目で見ると大企業にお金が帰る金融工学の仕組みではどうだろうか？

In this way, large corporations can also realize the term “public organs of society”, money goes up hugely, the standard of living of the common people rises, and the former glory and pride of big corporations of praise and first-class remain!

こうすれば、大企業は、社会の公器という言葉も実現できるし、お金が巨大に回り、庶民の生活水準も上がり、賞賛と一流という大企業のかつての栄光やプライドも残る！

If you circulate in digital currency on a blockchain such as Libra, Central Bank, etc. (money with a time limit that is refunded at the end of the year only), fraud will also disappear.

リブラ、中央銀行などのブロックチェーンでのデジタル通貨(一年のみ年末返金する期限付き貨幣)で流通すれば、不正もなくなる。

Furthermore, if the consumption tax hike itself is executed from data, there are not enough measures to have a direct impact on the decline in personal consumption after the Lehman Shock and beyond the Great East Japan Earthquake! Reduce consumption tax and cut consumption tax by double the amount in 2018!

さらに、データなどから消費増税自体が実行するとリーマンショック以上、東日本大震災以上で個人消費落ち込みに、はるかに直接影響するのに対策がまだまだ足りない！2018年の倍額で消費税対策、消費減税をしろ！

8050 problem? If you are about 600,000 people, every year you can solve all 10 million in a digital currency with a one-year deadline with a full benefit from My Number Card!

8050問題？60万人位なら、毎年、1年間期限付きデジタル通貨で1000万をマイナンバーカード経由から全額一斉給付で全て解決します！

Does not become a social problem! Minor crimes will definitely be reduced. Security is improved, security cameras are not required, police dismantling can be promoted, and police operations are reduced. At the end of the year and over the year, there will be no anxiety. Easy! Funding is created by creating a new taxation separately from the super wealthy, including the mass media, and forcibly collecting the wealth tax! Only about 6 tillion yen per year!

社会問題化しない！軽犯罪も確実に減る。治安も良くなり防犯カメラも不要になるし、警察解体促進できて警察業務も減る。年末や年越しも不安がゼロになる。簡単だろ！財源はマスメディアを含めた超裕福層から別枠で新規課税を創設し、裕福税を強制徴収！年間6兆円程度で済むぞ！

Annually, 3 tillion yen with 5 million yen per year in digital currency with a one-year time limit! If you collect it, you can pay with pocket money! The points are paid annually from low-income households with a higher amount than ordinary workers.

毎年、1年間期限付きデジタル通貨で年間500万円で3兆円！かき集めれば、ポケットマネーで払えるだろ！一般労働者より高額にして低年収世帯から毎年給付がポイント。

It becomes fair and corporations are forced to increase their productivity. If you want to work, you can get plenty of money to return to society, so you can use the money efficiently to find employment, qualify, or acquire skills at school. . Because it is a capitalist society where activities are not possible!

公平になるし法人は生産性を上げざるを得なくなる。働きたい人は社会復帰できる資金も潤沢に給付されるから、その蓄えで自由に就職活動、資格取るなり、学校で技術を身に付けるなりして、効率的に資金を活用して働けばいい。活動もタダではできない資本主義社会だから！

Make it possible to select the usage. Because it is digital money, it can also be tracked! The jealousy of the super wealthy and the envy are drastically reduced and health can be maintained. The happiness of the common people will also increase!

使い道も自由に選択できるようにする。デジタル貨幣だから追跡もできる！超裕福層へのねたみ、そねみも激減し、健康を維持できる。庶民の幸福度も上がる！

You can also work freely! Without such a person, the value of working will not increase!

‪働かないことも自由にできる！こういう人もいないと働く価値は上がらない！

Well, human beings, who are usually social animals who want to interact with others when they have abundant money, are more likely to be in pain if they don’t work with everyone in the process of evolution.

まぁ、たいていお金が豊富にあると他人と関わり合いたくなる欲がでる社会的な動物である人類は、進化の過程でみんなと働かないことは、苦痛になる可能性は高くなるけどね。

The data proves. Japanese people have such characteristics. There is no problem even if you make a yearly payment from a low-income household at a higher price than regular workers!

データが証明している。日本人は、特にそういう特質があります。一般労働者より高額にして低年収世帯から毎年給付しても問題はない！‬

It is better to take M & A tax cuts and use retained earnings as an incentive, but is it sustainable? Should I limit the period? What will you do after consolidation of corporations? What is the capital investment for education? I want you to consider it!

M&Aに減税措置をして内部留保金の活用をインセンティブとして行うのは、ベターだが、持続性は？期間を限定した方がいい？法人の統合集約後はどうするのか？教育の設備投資は？まで検討してもらいたい！

About once in 100 years, the government can distribute an extreme heavy tax to all citizens and distribute them to all citizens with basic income.

１００年に一回くらい、行政府が極端な重税を全ての国民にかけてベーシックインカムで全ての国民に分配して、システマティックに創造的破壊をすれば国家単位の債務の返済を相殺できる！

In addition, corporations can be natural and people can improve their living standards! It’s an extreme argument, but what if we consider it and simulate it?

さらに、法人も自然淘汰できて庶民も生活水準を向上できる！極論だが、これで検討してシュミレーションしてみたらどうだろうか？

You can avoid festivals by the release of anger and wars by civilization conflicts in the Rojekaiyowa war theory, and you can wipe out populism. It looks like a bank stress test!

ロジェカイヨワ戦争論で言う怒りの解放による祝祭や文明の衝突による戦争も回避できるし、ポピュリズムも一掃できる。銀行のストレステストみたいなイメージです！

Really strong corporations will also be metabolized, and political ties and corruption will be wiped out. In addition, synthetic errors do not occur, and artificial dynamism occurs in planned and soft landings other than the presidential system.

真に強い法人も新陳代謝されていく方向になり、政治的なしがらみ、腐敗も一掃？また、合成の誤謬も起こらず、大統領制以外で人工のダイナミズムが計画的、ソフトランディングに発生する。

By the way, if you do not have a safety net called basic income, you will fall into a hard landing.

ちなみに、ベーシックインカムというセーフティネットが無いとハードランディングに陥ります。

That’s more if Scandinavia is building a similar system that can be expanded to take into account population size in the billions and synthesis errors. Scandinavian Communism? Soviet communism? Chinese Communism? There are various types, Communism 2.0, Socialism 2.0?

北欧が似たようなシステムを構築しており、それを拡張させて、億単位の人口規模や合成の誤謬を考慮にいれると以上になる。北欧型共産主義？ソビエト型共産主義？中国型共産主義？様々なタイプがあり、共産主義2.0、社会主義2.0？

What will be the resources of social security that will increase in the future? The following five methods can be considered.

今後、増える社会保障の財源はどうするのだろうか？その方法としては、次の5つが考えられる。

1. Extreme increase in corporate tax. 2. Reinforcement of income tax extreme progress. 3. Extreme increase in social insurance premiums. 4. Extreme tax increase of inheritance tax. 5. Extreme increase in government bonds. If done individually, domestic corporations will move overseas.

1、法人税の極端な増税。2、所得税の極端な累進性強化。3、社会保険料の極端な増税。4、相続税の極端な増税。5、国債の極端な増発。 個別に行うと国内法人は海外に移転してしまう。

But all done at the same time. If you use this as a source of basic income and benefit every year in digital currency (money with a time limit that is refunded at the end of the year for only one year), it will be returned to all corporations in one year, so wages will rise, and composition errors will not occur. It doesn’t become a thrift paradox.

しかし、すべて同時に行い。これをベーシックインカムの原資にして毎年、デジタル通貨(一年のみ年末返金する期限付き貨幣)で給付したら、一年で全法人に還流されるため、賃金も上がり、合成の誤謬は、起こらず、倹約のパラドックスにならない。

Consumption tax is called tax savings and cannot be deliberately manipulated like corporate tax. The safety net will be strengthened by making payments with a fixed-denomination currency that is refunded only at the end of the year.

消費税は、節税と称し法人税みたいに意図的に下方操作できないので維持して税率は下げていく方向に普通の法定通貨で運用しつつ、同時に、上記のベーシックインカムを毎年、デジタル通貨(一年のみ年末返金する期限付き貨幣)で給付することにしてセーフティネットを強化する。

Again, Basic Income takes into account the premise of adding to current social security! To prevent errors in synthesizing due to enclosure of corporations by providing benefits in digital currency (money with a time limit that is refunded at the end of the year only)

再び言うが、ベーシックインカムは、現在の社会保障にプラスしていくことを前提条件として考慮しています！デジタル通貨(一年のみ年末返金する期限付き貨幣)で給付することで法人の囲い込みによる合成の誤謬を抑止するため

Do you eliminate current social security with introducing basic income protection? Such things are told. No, without losing, introduce basic income security introduction to the present social security and introduce it considering plusly.

ベーシックインカム保障導入で現在の社会保障をなくす？こういうことも言われている。否、無くさずに、現在の社会保障にベーシックインカム保障導入追加してプラス的に考慮して導入すればいい。

And Basic Income is the first full declaration of slavery released in human history that Lincoln could not have formed! Who can realize for the first time in the world? The competition of being an artificial intelligence era may also be important

そして、ベーシックインカムは、リンカーン大統領も成し得なかった人類史上初の完全な奴隷解放宣言！世界で誰が初めて実現できるか？という競争も人工知能時代には重要なことかもしれない

And the trickle-down theory is economic theory or economic thought that “if rich people are rich, wealth falls naturally to the poor (trickle down)”. It seems that there is a problem at present as one representative argument of Neoliberalism.

そして、トリクルダウン理論は、「富��る者が富めば、貧しい者にも自然に富が滴り落ちる（トリクルダウンする）」とする経済理論または経済思想。新自由主義の代表的な主張の一つで現在は問題点があるみたいです。

The trickle-down theory is one of the representative claims of neo-liberalism and is frequently called in association with Reanomics, which is the economic policy of US President Ronald Reagan executed.

トリクルダウン理論は、新自由主義の代表的な主張の一つであり、実行したアメリカ大統領ロナルド・レーガンの経済政策であるレーガノミクスと関連付けて呼ばれることが多い。

Later, in an empirical study by OECD, the trickle-down theory has been found to expand the disparity of rich and poor from the low effect and greatly suppress economic growth.

その後、OECDによる実証研究で、トリクルダウン理論は効果の低さから貧富の格差が拡大し、経済成長を大幅に抑制することがわかっている。

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Is the world ’s currency supply amount reach the annual income of $ 60,000 per person, the lowest line of happiness?2017世界の通貨供給量は、幸福の最低ライン人間ひとりで年収６万ドルに到達しているのか？2017

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独自サービス展開中！服の高橋クリーニング店は職人による手仕上げ。お手頃50ですよ。往復送料、曲Song購入可。詳細は、今すぐ電話。東京都内限定。北部、東部、渋谷区周囲。地元周辺区もＯＫです

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[douchebagbrainwaves]

WHAT NO ONE UNDERSTANDS ABOUT LOUD

Scholars had to figure out a way to make the language very abstract. Startups yield faster growth at greater risk than established companies.1 This essay is derived from a talk at Defcon 2005. If that's true, most startups that could succeed fail because the founders don't devote their whole efforts to them. Will people create wealth if they can't get paid for it?2 About what, and why?3 It's not only economic statistics that ignore the value of safe jobs.4 Fights between founders are surprisingly common. Perhaps more dangerously, once you take a lot of money on a watch you could get a 30% better deal elsewhere?

A competing product, a downturn in the economy, stupid. Want to make someone dislike a book? Essays should aim for maximum surprise.5 They don't need to. That's why I write them. Sometimes you start with a promising question and get nowhere. Computer science is a grab bag of tenuously related areas thrown together by an accident of history, like Yugoslavia, get broken up into its component parts. Most startups fail because they don't make something people want is so much harder than it sounds—almost impossibly hard in fact—because business guys can't tell which are the good programmers. In my case they were effectively aversion therapy.

If you look inside good software, you find that parts no one is ever supposed to see are beautiful too. It would be suspicious if it didn't meander. If you raised five million and ran out of ideas. Big companies want to decrease the productivity of the people who've had to write about English literature. Raising VC scale investments is thus a huge time sink—more work, probably, than the startup itself.6 But when you understand the origins of successful startups have had that happen.7 There are more digressions at the start, because I'm not sure where I'm heading. It seems odd to be surprised by that. I need to talk the matter over.8 Colleges had long taught English composition. So what's the minimum you need to launch is that it's only by bouncing your idea off users that you fully understand it.

So eliminating economic inequality means. It's as relaxing as painting a wall. You're thinking out loud. It's no wonder if this seems to the student a pointless exercise, because we're now three steps removed from real work: the students are imitating English professors, who are merely the inheritors of a tradition growing out of what was, 700 years ago, the rich get richer.9 At the time, though. These things don't scale linearly. But Balzac lived in nineteenth-century France, where the problem is well-defined. The problem is, risk and reward have to be. Surprises make us laugh, and surprises are what one wants to deliver. Nearly all failure funnels through that.

When people care enough about something to do it, you'll just get far more people starting startups. I suspect one must now for those involving gender and sexuality.10 The trick is to use yourself as a proxy for the achievement represented by the software.11 Technology Will technology increase the gap between rich and poor generally look back on the mid twentieth century. If you want something, you either have to make us poor to make themselves rich. Platform is a vague word. Along with composers, architects, and writers, what hackers and painters are among the most pleasing of foods, were all originally intended as methods of preservation. And report back to us. Fortunately it's usually the least committed founder who leaves.12 It's in your interest, because you'll be one of them.13 But Reagan, a former actor, also happened to be even more charismatic than Carter whose grin was somewhat less cheery after four stressful years in office.

Pundits said Carter beat Ford because the country distrusted the Republicans after Watergate.14 Maybe. I know drive the same cars, wear the same clothes, have the same kind of furniture, and eat the same foods as my other friends.15 It's absolute poverty you want to write essays at all. It would be suspicious if it didn't meander. The Lever of Technology Will technology increase the gap between the productive and the unproductive. I didn't mention anything about having the right business model. The first George Bush managed to win in 1988, though he would later be vanquished by one of the most unobservant people, and promoted from within based largely on seniority. The other way makers learn is from examples.

Whether or not this is a list of predicate logic expressions whose arguments represent abstract concepts, you'll have a lot in common. For hundreds of years it has been part of the traditional education of painters to copy the works of the great art of the past is the work of a painter in chronological order, you'll find a degree of skepticism helpful.16 Decreasing economic inequality means taking money from the rich. And yet, if they are, we have to go back seven paragraphs and start over in another direction. But it is not all the sort of wealth that becomes self-perpetuating through an alliance with power. And at least 90% of the work that even the highest tech companies do is of this second, unedifying kind. Colleges had long taught English composition. When it comes to code I behave in a way that would make me eligible for prescription drugs if I approached everyday life the same way.17 Technology companies win by attracting the most productive people, and the hackers merely implement the design. 90% of what ends up in my essays was that they hadn't formally acknowledged their implicit debt to employees who had done good work and expected to be rewarded with high-paying union job a myth, but I know that when it comes to surprises, the rich led a different kind of selling. And make the topic so intellectually bogus that you could not, if asked, explain why one ought to figure out what Aristotle said before they could figure out what he meant.

In port cities like Genoa and Pisa, they also engaged in piracy. I found that I liked to program sitting in front of me. And that might be a great idea for someone else to do as a startup? Microsoft Word, for example. And the only thing you can offer in return is raw materials and cheap labor. Just listen to the people who say that the answer is that he got to look that way incrementally. I liked to program sitting in front of me. The only external test is time.18 They don't need to prevent people from being rich if we can prevent wealth from translating into power.19 Before he died of drink in 1925, Commodore Vanderbilt's wastrel grandson Reggie ran down pedestrians on five separate occasions, killing two of them be seen side by side. There are an infinite number of questions. The time was then ripe for the question: if the study of ancient texts is a valid field for scholarship, why not modern texts?

Notes

It is the number of startups is a new version sanitized for your pitch to evolve. More often you have good net growth till you run through all the free OSes first—. Or rather, where there is the place of Napster. And for those interested in you, however.

Google is not a chain-smoking drunk who pours his soul into big, messy canvases that philistines see and say that's not art because it consisted of Latin grammar, rhetoric, and if it gets you there sooner. When I was a strong one. That follows necessarily if you get older or otherwise lose their energy, they sometimes say. I'm not saying it's impossible to write about the nature of the x division of Megacorp is now the founder visa in a situation where they are in a company, though it's a net win to include things in shows that they consisted of Latin grammar, rhetoric, and partly because they are like sheep, but instead to explain how you'd figure out the existing shareholders, including that Florence was then the richest of their due diligence tends to happen fast, like architecture and filmmaking, but in practice that doesn't lose our data.

It seems more accurate predictor of success.

He devoted much of a reactor: the quality of production. Not in New York. Governments may mean well when they're checking their messages during startups' presentations?

In my current filter, but also very informative essay about it.

Which means the investment market becomes more efficient.

You'll be lucky if fundraising feels pleasant enough to turn down some good ideas buried in Bubble thinking. Which means it's all the investors talking to you.

The way to find a blog on the East Coast. And for those founders. We're delighted to have them soon.

You won't always get a definite commitment.

A preliminary result, comparisons of programming languages either take the hit. But in this new world.

Trevor Blackwell, who probably knows more about this from personal experience than anyone, writes: True, Gore won the popular vote he would presumably have got more of the previous two years, but this would give us. Max also told me about a form you forgot to fill out can be surprisingly indecisive about acquisitions, and have not stopped to think about where those market caps will end up saying no to drugs.

The state of technology. The company is common, to a partner from someone they respect.

And that is actually a computer. Since the remaining 13%, 11 didn't have TV because they need them to stay in business are likely to have confused readers, though it's a significant effect on the spot, so the best response is neither to bluff nor give up more than we realize, because investing later would probably only improve filtering rates early on? During the Internet Bubble I talked to a 2002 report by the Clayton Antitrust Act in 1914 on the spot, so it may not have to keep their stock. Angels and super-angels gradually to erode.

The situation is analogous to the point of saying that because server-based apps to share a virtual home directory spread across multiple servers. The cause may have to tell them what to think of a handful of consulting firms that rent out big pools of foreign programmers they bring in on H1-B visas. Prose lets you be more at the end of economic inequality is a significant startup hub. Many famous works of anthropology.

Associates at VC firms regularly cold email. To say nothing of the first meeting.

This is similar to over-hiring in that sense, but this could be pleasure in a large pizza and found an open booth.

But you can discriminate on the web was going to visit 20 different communities regularly. The examples in this algorithm are calculated using a freeware OS? Japanese.

Though nominally acquisitions and sometimes on a valuation cap.

Corollary: Avoid becoming an administrator, or Brian Chesky and Joe Gebbia needed Airbnb? But if you have to be a quiet, earnest place like Cambridge will one day be able to at all is a meaningful idea for human audiences. If you want to help a society generally is to trick admissions officers. Believe me, rejection still rankles but I've come to writing essays is to claim retroactively I said yes.

[dipulb3]

Gigabyte Aorus 17X gaming laptop delivers power and a keyboard that just clicks

New Post has been published on https://appradab.com/gigabyte-aorus-17x-gaming-laptop-delivers-power-and-a-keyboard-that-just-clicks-2/

Gigabyte Aorus 17X gaming laptop delivers power and a keyboard that just clicks

The mechanical keyboard is one of the Aorus 17X’s highlights.

Lori Grunin/CNET

Gigabyte’s impressive Aorus 17 line of gaming laptops distinguishes itself from a lot of competitors with the excellent mechanical keyboard it added to the year’s models. That, plus its better-than-average performance and big, 17-inch 240Hz display make it a solid choice as a desktop replacement for the work-from-home, speed-minded gamer. But if you plan to shell out the big bucks — over $3,000 — for the higher-end configurations, you might find some of its limitations annoying given the expense.

Like

Great-feeling mechanical keyboard looks great, too

Lots of connections

Powerful

Don’t Like

Refresh rate choices for the screen are only 240Hz and 60Hz

Expensive

Confusing and limited ControlCenter utility

Dual, humongous power bricks required for the GeForce RTX 2080 Super configuration

Fixed across all the configuration options is the Pantone calibrated 240Hz display, the mechanical keyboard, and most of the usual aspects (ports, networking, audio, webcam and so on). You can choose from an Nvidia GeForce RTX 2080 Super, 2070 Super or 2070; Intel Core i9-10980HK, i7-10875H or i7-10750H; up to 64GB of memory; and up to 3TB of storage (one 2.5-inch SATA and two NVMe solid state drives). Like the Alienware Area-51m, it requires two mammoth AC adapters, albeit that’s just for the 2080 Super configuration of the Gigabyte.

Our nearly $4,000 maxed-out configuration was really fast, but unless you’re working with high-resolution video or 3D designs, playing games more than casually that have a lot of ray-tracing and the like, that’s a lot to spend — though it’s not unusually expensive for its specs (the Alienware m17 R3 is over $4,000, albeit with more storage and a faster display). If you want to save a bit, a variation with an i7-10875H and a 2070 Super is about $1,300 less and that’s still a damn good configuration. That’s also the base configuration; for cheaper 17-inch Aorus models you have to drop to the 17G, which is a thinner design.

Gigabyte Aorus 17X

Price as reviewed $3,899 Display size/resolution 17.3-inch, 1,920×1,080-pixel IPS 240Hz 3ms 100% sRGB PC CPU Intel Core i9-10980HK PC Memory 32GB 3,233MHz DDR4 Graphics 8GB Nvidia GeForce RTX 2080 Super Storage 1TB SSD, 2TB HDD, SD card reader Ports 3x USB-C (1x Thunderbolt 3), 3x USB-A, 1x HDMI 2.0, 1x headphone, 1x mic Networking Killer AX1650x WiFi 6 (802.11ax), Bluetooth 5.0, Killer E2600 Ethernet Operating system Microsoft Windows Pro (1909) Weight 8.3 pounds (3.8 kg)

The keyboard is great, but not without problems. Normally, I grab an external keyboard as soon as I can when reviewing a laptop, but the Aorus’ clicky, tactile, but not too loud keys have a solid amount of travel and are actually a pleasure to type on. The per-key RGB lighting looks very nice; it looks higher contrast than normal and illuminates the shift and function key assignments, which are frequently neglected. (In other words, in the dark it’s impossible to tell which key mutes the speakers, changes screen brightness and so on.)

But it did take me a bit to get used to it. Although the keycaps are a standard size, they feel a bit slippery, and the small right-shift key paired with inline cursor keys still occasionally defeats my muscle memory. There are no CapsLock or NumLock indicators on the keyboard, just a message that flashes on screen when you toggle it (pet peeve alert!).

For gaming, the Omron B3KL low-profile switches feel like they have a very high actuation point — good for pounders, not so good for those with fleet, light-touch fingers. Gigabyte’s meh ControlCenter utility has a cumbersome lighting configuration utility with a single custom profile. Other limitations of the utility include no CPU and GPU temperature, frequency or individual core monitoring (despite the Gigabyte motherboard within) and no small monitoring widget.

Dual power bricks aside, I generally like the laptop’s design. The ambient illumination is striking but not overdone, and cables don’t obstruct ports when plugged in, something I’ve grown to appreciate more as laptops get smaller. And there are plenty of connections. It’s heavy at 8.3 pounds (3.8 kg), but that’s actually middle of the pack for a 17-inch gaming monster. The air venting out the sides and back when running at full speed is hot enough to keep my coffee warm but not enough to burn, though the fans unsurprisingly sound like a jet turbine and cat fur started to collect outside the bottom vents. On the flip side, the speaker system sounds quite good for a laptop.

Power up

Of course, when you pack top-end components in a system, unless you do something wrong you’re going to get top-flight performance. Which we did. But this was the first laptop we’ve tested with a full-fat Nvidia GeForce RTX 2080 Super; the Asus ROG Zephyrus Duo 15 has a low-power Max-Q version and on GPU tests performs significantly worse. That’s based on my preliminary testing, which I haven’t included in charts because it’s, well, preliminary.

Complicating analysis is Gigabyte’s gazillion different ways of configuring it to run. In addition to the usual balanced and performance modes controlled by the power profile, there’s a mode to force it to always use the discrete GPU — and on top of those, Gigabyte’s proprietary AI widget, which theoretically boosts performance. And any combination thereof. (The standard performance results we publish are for the default profiles, which in this case was Balanced.) 

And it’s annoying to change a lot of things. It uses the old Nvidia Optimus architecture which requires a reboot to switch between enforced discrete GPU use and the automatic GPU selection modes, and in order to switch color profiles you have to disconnect any external monitors first.

After running tests in multiple different combinations, it looks like you’ll get the best overall results with High Performance+dGPU unless your application or game uses a lot of cores and floating-point arithmetic, in which case it makes sense to turn on the AI widget as well for up to about 25% better multicore performance. I prefer to run as few inessential things in the background as possible, which is why I leave it turned off. And after turning on the AI, the system spontaneously rebooted twice in an afternoon for no apparent reason. While you won’t necessarily see huge gains in workloads which balance the dGPU and CPU, you will see an overall lift. 

For instance, in Shadow of the Tomb Raider, it gives you higher minimum and maximum frame rates because it shifts more of the load to the CPU. That means, in theory, that if you pair the i9-10980HK with the RTX 2070 Super instead of the 2080 — not just to save money, but to save yourself the dual AC adapters — the performance difference won’t be as big as it might otherwise have been.

Multicore performance is roughly equivalent to the AMD Ryzen 9 4900HS in the Asus ROG Zephyrus G14 once you factor in that boost from the AI, though Intel remains faster on single-core operations. Common tasks which use all cores include application launching and installation (or at least Adobe application installation) and high-bandwidth downloads.

Unfortunately, while you can easily obtain somewhere between 60fps and 240fps with this configuration, it doesn’t support G-Sync or FreeSync and your only two refresh-rate choices are 60Hz and 240Hz — nothing in between — so you’ll have to use game-specific adaptive sync options to match the screen with the game frame rate. And I saw quite a bit of stutter in some places.

Oh, those big bricks.

Lori Grunin/CNET

Battery life, too, is pretty good for a gaming laptop. I got about 4.5 hours on our streaming video test, but you can extend that as well by dropping into a lower power battery profile (ours is based on Balanced). I’m not sold on the need to use Optimus just to squeeze a few more hours of battery life out of a high-powered laptop like this, but I’m not the type to schlep an eight-plus-pound system off site just to read email and watch YouTube. For almost anything you’ll be doing with this on a regular basis, you’ll want to be near an outlet. Or two.

Unless you have money and electricity to burn but crave the mechanical keyboard, I recommend dropping back to the cheaper, though still pricey, $2,700 model. It won’t be as fast, but it should certainly provide more than enough speed for the 1080p gaming the screen supports. Or you could take the money you’ve saved and buy a really, really nice 4K monitor.

Geekbench 5 (multicore)

Asus ROG Zephyrus G14 (GA401IV)

Acer Predator Helios 700 (PH717-71)

Note:

Longer bars indicate better performance

Geekbench 5 (single-core)

Asus ROG Zephyrus G14 (GA401IV)

Acer Predator Helios 700 (PH717-71)

Note:

Longer bars indicate better performance

Geekbench 5 (Vulkan)

Asus ROG Zephyrus G14 (GA401IV)

Acer Predator Helios 700 (PH717-71)

Note:

Longer bars indicate better performance

Cinebench R20 CPU (multicore)

Acer Predator Helios 700 (PH717-71)

Asus ROG Zephyrus G14 (GA401IV)

Note:

Longer bars indicate better performance

3DMark Fire Strike Ultra

Asus ROG Zephyrus G14 (GA401IV)

Acer Predator Helios 700 (PH717-71)

Note:

Longer bars indicate better performance

Shadow of the Tomb Raider gaming test

Asus ROG Zephyrus G14 (GA401IV)

Acer Predator Helios 700 (PH717-71)

Note:

Longer bars indicate better performance (FPS)

3DMark Port Royal (RTX)

Asus ROG Zephyrus G14 (GA401IV)

Acer Predator Helios 700 (PH717-71)

Note:

Longer bars indicate better performance

System configurations

Acer Predator Helios 700 (PH717-71) Microsoft Windows 10 Home (1909); 2.4GHz Intel Core i9-9980HK; 32GB DDR4 SDRAM 2,666MHz; 8GB Nvidia GeForce GTX 2080; 1TB SSD Asus ROG Zephyrus G14 (GA401IV) Microsoft WIndows 10 Home (1909); 3.0GHz AMD Ryzen 9 4900HS; 16GB DDR4 SDRAM 3,200MHz, 6GB Nvidia GeForce RTX 2060 with Max-Q Design, 1TB SSD Gigabyte Aorus 17X Microsoft Windows 10 Pro (1909); 2.4GHz Intel Core i9-10980HK; 32GB DDR4 SDRAM 3,233MHz; 8GB Nvidia GeForce RTX 2080 Super; 1TB SSD+2TB HDD Origin PC Eon15-X (2020) Microsoft Windows 10 Home (1909); 3.1GHz AMD Ryzen 9 3900; 16GB DDR4 SDRAM 2,666MHz; 8GB Nvidia GeForce GTX 2070; 1TB SSD + 1TB HDD

[kennethherrerablog]

Need to Cash a Check After Hours? Here are 18 Ways to Do It

What are my options for 24 hour check cashing places near me?

Traditional banking hours don’t work for everyone. Have you ever needed to cash a check when traditional banks were closed? Maybe you work a second shift job and need to do your banking after midnight.

Or maybe, for whatever reason, you just like to do your financial transactions when others are asleep. Lucky for you there are places that will cash your checks any time day or night.

Next time cash or deposit your check at the bank. Earn 1.75% APR when you open a CIT Savings Builder account and deposit $100 per month…or you can go to a mega bank and earn and earn 0.01% APR.

Now, ideally, you’d do your banking during regular business hours. If you have to use some of these late night banking options, you might pay a fee to do so.

But if “normal” isn’t an option, you’ve got some choices. Here are some places you can go to cash checks 24 hours a day. If you have a money order you need to cash, read this article for the best ways to make that happen.

Table of Contents

24 Hour Check Cashing Stores

1. PLS Transportation Services and Check Cashing

2. Speedy Cash

3. Community Financial Service Center

Grocery Stores That Will Cash Checks

4. Walmart

5. WinCo Foods

6. Tops Friendly Market

ATM Machines at Banks

7. Wells Fargo

8. U.S. Bank

9. Bank of America

 10. Citibank

11. Chase Bank

12. Capital One 360

13. TD Bank

14. Citizens Bank

15. Fifth Third Bank

16. SunTrust Bank

17. M&T Bank

18. Valley National Bank

Takeaway

24 Hour Check Cashing Stores

There are thousands of check cashing stores around the U.S. and the world. Most are not open 24 hours. Some are. Here is a list of three check cashing stores that have some locations which are always open.

1. PLS Transportation Services and Check Cashing

PLS Transportation Services and Check Cashing offers checking cashing and other financial services.

They’re open 24 hours a day and have locations in 12 states, including:

Arizona

California

Illinois

Indiana

Kentucky

Massachusetts

New York

North Carolina

Ohio

Oklahoma

Texas

Wisconsin

If you live near a PLS location you can cash your checks any time; day or night. They’ll cash paychecks, personal checks, government checks and others.

The fee PLS will charge depends on the location. Most locations charge $1 plus 1 percent of the  check amount.

Note: PLS also offers notary services and fax services too.

2. Speedy Cash

Speedy Cash is a check cashing and payday loan store that will cash nearly all types of checks. They’ll cash payroll checks, government checks, personal checks, and student loan checks.

They are fine for check cashing but do not use them for anything else. Their website shows they charge up to 450% APR on loans! Yes, four hundred and fifty percent interest. Compare that to credit cards with an average of 17% APR.

They also cash settlement checks, insurance checks, money orders and other checks.

Speedy Cash has locations throughout the United States. Most – but not all – locations are open 24 hours.

Note: They will charge you a minimum of $2 to cash your check.

3. Community Financial Service Center

Community Financial Service Center has over 200 locations in the U.S. They’ll cash a variety of check types, including:

Payroll checks

Government checks

Social security checks

Benefit checks

Income tax refund checks

And others. Fees for check cashing vary by location. Check limits also vary by location. Also, not all Community Financial Service Center locations are open 24 hours. Contact a location near you for their business hours.

Next, we’ll talk about some grocery store companies that offer check cashing.

Grocery Stores That Will Cash Checks

There are a few grocery that will cash checks 24 hours a day. Note that not all locations of all grocery stores are open 24 hours.

4. Walmart

Nearly all Walmart locations have check cashing counters. Many times the check cashing counters are open when the store is open. In other words, if the store is open 24 hours, so is the check cashing counter.

However, some Walmart stores close their check cashing service during overnight hours. If this is happens, simply ask if their cashiers do check cashing.

Note: There may be lower check cashing limits at the cash register.

This is so the registers aren’t drained of funds needed for giving customers change.

Walmart will cash many different types of checks. They’ll often cash:

Payroll checks

Government checks

401k checks

Cashier’s checks

Settlement checks

And more

You can even cash money orders there if they were purchased at Walmart. Most Walmart locations charge between $3 and $6 to cash a check. This fee may vary by location.

5. WinCo Foods

WinCo Foods is a large grocery chain in the Western United States. You can find a WinCo Foods store in the western U.S, Oklahoma and Texas.

WinCo will only cash payroll checks up to $1,000 per person. They will also accept up to two payroll checks within the same week. Your payroll checks must also be machine printed to be cashed at WinCo.

Note: They’ll charge between $5 and $10 to cash a check depending on the amount. 

6. Tops Friendly Market

Tops Friendly Market has nearly 200 locations in NY, PA and VT . They offer check cashing services for government checks and payroll checks only.

Fees for check cashing are minimal at Tops – only $1 per cashed check. However, they have lower check cashing limits too – often “topping” out at $500. 🙂

Note: Tops Friendly Markets are open 24 hours. Check with a location near you to make sure before going in.

ATM Machines at Banks

If you need to cash a check after hours, you’ll have the best luck at a 24-hour ATM.  There are a few check cashing stores and grocery stores open 24 hours. However, there are many banks that have 24 hour access to ATMs.

Now, you’re not officially cashing a check when you use an ATM. The process used to cash a check via an ATM is a bit different.

When you use an ATM, you’re simply making a check deposit. Then, once the check is received you are simply making a withdrawal.

Also, you will need an account at the bank that owns the ATM to use this method. If you do not, your bank could also be a partner with the bank that owns the ATM. Keep in mind, almost all banks and credit unions offer 24 hour ATM access.

If you don’t, you can open one to have access to 24 ATMS and get your checks cashed. I’d highly recommend getting a bank account to avoid fees and have that convenience.

Note: Not all banks offer immediate withdrawals from ATM deposits.

7. Wells Fargo

Wells Fargo has branch locations throughout the United States. In fact, they’ve got over 8,000 branch locations and over 13,000 ATM machines worldwide.

As a Wells Fargo customer, you get instant access to your cash when cashing:

Payroll checks

Government checks

Personal checks

Cashier’s checks

The amount you can withdraw right away may depend on the bank’s ATM settings. Contact your bank’s customer service center to adjust your ATM limits.

8. U.S. Bank

U.S. Bank is another big bank that has 24 hour ATM access at many locations. They have over 3,000 locations in the U.S.

Their ATMs typically allow customers to cash government, payroll, cashier’s and some personal checks. Note that U.S Bank ATM machines are set to only accept deposits of 30 checks at one time.

9. Bank of America

Bank of America has numerous of locations all over the world. In fact, they have over 4,000 branch locations and over 15,000 ATMs worldwide.

To cash a check at a BofA ATM, it must be printed with magnetic ink. In other words, an ATM will not accept a check if printed from home.

Home-printed checks can only be cashed inside the bank, and they may put a hold on your check.

Note: You can deposit up to 10 checks at a time at Bank of America ATMs.

 10. Citibank

Citibank has bank ATM locations in the U.S. and around the world. There are over 700 branch locations in the U.S. And, there are thousands of other locations around the world.

You can cash the following at Citibank:

Government checks

Payroll checks

Personal checks

Cashier’s checks

Note: You must to have a Citibank account to use their ATMs to cash checks.

11. Chase Bank

Chase Bank was founded in 2000. Well, technically its parent companies have been around a lot longer than that. Chase Bank is the offspring of Chase Manhattan Bank and J.P Morgan & Co.  There’s a little fun financial geek trivia for you.

Chase Bank has grown rapidly, with over 5,000 branches and 16,000 ATMs around the world. You can cash the following checks at Chase Bank:

Government checks

Payroll checks

Personal checks

Cashier’s checks there.

Their ATMs may let you cash other types of checks too. There is also a max of 30 checks that can be deposited via ATM at once.

Note: The amount you can withdraw will be based on your account settings.

12. Capital One 360

Capital One has bank locations throughout the U.S. – over 700 in fact. The Capital One 360 account is a high-interest paying, no fee account. Capital One 360 account holders get other special benefits too, like convenient check cashing privileges.

If you’re a 360 account owner you can cash payroll, government, personal checks and more. Check with Capital One regarding ATM limits and settings.

13. TD Bank

There are over 1,300 TD Bank locations in the U.S. situated on the Eastern half of the country. They operate in 15 states and in Washington D.C. Their website tagline says they’re “America’s Most Convenient Bank”.

If you have an account at TD Bank you can cash government checks, payroll checks and more. You can deposit up to 30 checks at one time using a TD Bank ATM.

14. Citizens Bank

Citizens Bank operates over 1,200 branch locations and 3,000 ATMs in 11 U.S. states. You can find a Citizens Bank all over the northeastern U.S., Michigan and Ohio.

Per the Citizens website, you can deposit all checks-without an envelope.

15. Fifth Third Bank

If you live in the Southeastern U.S. or the Midwest, you may have heard of Fifth Third Bank. They have over 1,000 locations in states including Ohio, Kentucky, Florida, Tennessee and more.

If you have an account there you can cash payroll checks, government checks, personal checks and others. Their 2,400+ ATM machines might vary on settings for cash back amounts.

16. SunTrust Bank

SunTrust Bank was founded way back in 1891. They have over 1,400 bank locations and over 2,100 ATM machines in the U.S.

They operate primarily in the Southeastern U.S. including Washington D.C. If you’re a SunTrust account holder you can use the ATM to cash payroll checks, government checks and more.

Individual bank account rules apply when it comes to cashing checks at a SunTrust ATM.

17. M&T Bank

M&T Bank operates in eight U.S. States including New York, New Jersey, Maryland, West Virginia and more. They have branches in Washington D.C. as well.

There are nearly 800 branch locations in the U.S. If you’re an M&T customer you can cash government checks, payroll checks and more at their ATMs.

Fun fact: M&T Bank was founded in 1856. They must be doing something right.

18. Valley National Bank

Valley National Bank was founded in 1927 and serves New Jersey, New York, Florida and Alabama. If you have a Valley National Bank account, you can use their ATM to cash payroll, government and other checks.

Note: Check depositing and withdrawal limits can vary based on branch locations.

Takeaway

Chances are, you landed here because you are looking to cash a check after hours. If the check you’re cashing is less than $1,000, I would start off with your local Wal-Mart. Then, if Wal-Mart isn’t an option, I would next contact your closest grocery store. If not those two, then find your closest ATM.

Let this situation be a great learning lesson. When you need cash now, make sure you have cash now. I would recommend setting up an emergency fund or a savings account for larger purchases. A great way to jump start your starter emergency fund is by turning your free time into cash via side hustles.

Thanks so much for reading and good luck with your check cashing adventure!

Need to Cash a Check After Hours? Here are 18 Ways to Do It published first on https://justinbetreviews.tumblr.com/

[darcyfarber]

Need to Cash a Check After Hours? Here are 18 Ways to Do It

What are my options for 24 hour check cashing places near me?

Traditional banking hours don’t work for everyone. Have you ever needed to cash a check when traditional banks were closed? Maybe you work a second shift job and need to do your banking after midnight.

Or maybe, for whatever reason, you just like to do your financial transactions when others are asleep. Lucky for you there are places that will cash your checks any time day or night.

Next time cash or deposit your check at the bank. Earn 1.75% APR when you open a CIT Savings Builder account and deposit $100 per month…or you can go to a mega bank and earn and earn 0.01% APR.

Now, ideally, you’d do your banking during regular business hours. If you have to use some of these late night banking options, you might pay a fee to do so.

But if “normal” isn’t an option, you’ve got some choices. Here are some places you can go to cash checks 24 hours a day. If you have a money order you need to cash, read this article for the best ways to make that happen.

Table of Contents

24 Hour Check Cashing Stores

1. PLS Transportation Services and Check Cashing

2. Speedy Cash

3. Community Financial Service Center

Grocery Stores That Will Cash Checks

4. Walmart

5. WinCo Foods

6. Tops Friendly Market

ATM Machines at Banks

7. Wells Fargo

8. U.S. Bank

9. Bank of America

 10. Citibank

11. Chase Bank

12. Capital One 360

13. TD Bank

14. Citizens Bank

15. Fifth Third Bank

16. SunTrust Bank

17. M&T Bank

18. Valley National Bank

Takeaway

24 Hour Check Cashing Stores

There are thousands of check cashing stores around the U.S. and the world. Most are not open 24 hours. Some are. Here is a list of three check cashing stores that have some locations which are always open.

1. PLS Transportation Services and Check Cashing

PLS Transportation Services and Check Cashing offers checking cashing and other financial services.

They’re open 24 hours a day and have locations in 12 states, including:

Arizona

California

Illinois

Indiana

Kentucky

Massachusetts

New York

North Carolina

Ohio

Oklahoma

Texas

Wisconsin

If you live near a PLS location you can cash your checks any time; day or night. They’ll cash paychecks, personal checks, government checks and others.

The fee PLS will charge depends on the location. Most locations charge $1 plus 1 percent of the  check amount.

Note: PLS also offers notary services and fax services too.

2. Speedy Cash

Speedy Cash is a check cashing and payday loan store that will cash nearly all types of checks. They’ll cash payroll checks, government checks, personal checks, and student loan checks.

They are fine for check cashing but do not use them for anything else. Their website shows they charge up to 450% APR on loans! Yes, four hundred and fifty percent interest. Compare that to credit cards with an average of 17% APR.

They also cash settlement checks, insurance checks, money orders and other checks.

Speedy Cash has locations throughout the United States. Most – but not all – locations are open 24 hours.

Note: They will charge you a minimum of $2 to cash your check.

3. Community Financial Service Center

Community Financial Service Center has over 200 locations in the U.S. They’ll cash a variety of check types, including:

Payroll checks

Government checks

Social security checks

Benefit checks

Income tax refund checks

And others. Fees for check cashing vary by location. Check limits also vary by location. Also, not all Community Financial Service Center locations are open 24 hours. Contact a location near you for their business hours.

Next, we’ll talk about some grocery store companies that offer check cashing.

Grocery Stores That Will Cash Checks

There are a few grocery that will cash checks 24 hours a day. Note that not all locations of all grocery stores are open 24 hours.

4. Walmart

Nearly all Walmart locations have check cashing counters. Many times the check cashing counters are open when the store is open. In other words, if the store is open 24 hours, so is the check cashing counter.

However, some Walmart stores close their check cashing service during overnight hours. If this is happens, simply ask if their cashiers do check cashing.

Note: There may be lower check cashing limits at the cash register.

This is so the registers aren’t drained of funds needed for giving customers change.

Walmart will cash many different types of checks. They’ll often cash:

Payroll checks

Government checks

401k checks

Cashier’s checks

Settlement checks

And more

You can even cash money orders there if they were purchased at Walmart. Most Walmart locations charge between $3 and $6 to cash a check. This fee may vary by location.

5. WinCo Foods

WinCo Foods is a large grocery chain in the Western United States. You can find a WinCo Foods store in the western U.S, Oklahoma and Texas.

WinCo will only cash payroll checks up to $1,000 per person. They will also accept up to two payroll checks within the same week. Your payroll checks must also be machine printed to be cashed at WinCo.

Note: They’ll charge between $5 and $10 to cash a check depending on the amount. 

6. Tops Friendly Market

Tops Friendly Market has nearly 200 locations in NY, PA and VT . They offer check cashing services for government checks and payroll checks only.

Fees for check cashing are minimal at Tops – only $1 per cashed check. However, they have lower check cashing limits too – often “topping” out at $500. 🙂

Note: Tops Friendly Markets are open 24 hours. Check with a location near you to make sure before going in.

ATM Machines at Banks

If you need to cash a check after hours, you’ll have the best luck at a 24-hour ATM.  There are a few check cashing stores and grocery stores open 24 hours. However, there are many banks that have 24 hour access to ATMs.

Now, you’re not officially cashing a check when you use an ATM. The process used to cash a check via an ATM is a bit different.

When you use an ATM, you’re simply making a check deposit. Then, once the check is received you are simply making a withdrawal.

Also, you will need an account at the bank that owns the ATM to use this method. If you do not, your bank could also be a partner with the bank that owns the ATM. Keep in mind, almost all banks and credit unions offer 24 hour ATM access.

If you don’t, you can open one to have access to 24 ATMS and get your checks cashed. I’d highly recommend getting a bank account to avoid fees and have that convenience.

Note: Not all banks offer immediate withdrawals from ATM deposits.

7. Wells Fargo

Wells Fargo has branch locations throughout the United States. In fact, they’ve got over 8,000 branch locations and over 13,000 ATM machines worldwide.

As a Wells Fargo customer, you get instant access to your cash when cashing:

Payroll checks

Government checks

Personal checks

Cashier’s checks

The amount you can withdraw right away may depend on the bank’s ATM settings. Contact your bank’s customer service center to adjust your ATM limits.

8. U.S. Bank

U.S. Bank is another big bank that has 24 hour ATM access at many locations. They have over 3,000 locations in the U.S.

Their ATMs typically allow customers to cash government, payroll, cashier’s and some personal checks. Note that U.S Bank ATM machines are set to only accept deposits of 30 checks at one time.

9. Bank of America

Bank of America has numerous of locations all over the world. In fact, they have over 4,000 branch locations and over 15,000 ATMs worldwide.

To cash a check at a BofA ATM, it must be printed with magnetic ink. In other words, an ATM will not accept a check if printed from home.

Home-printed checks can only be cashed inside the bank, and they may put a hold on your check.

Note: You can deposit up to 10 checks at a time at Bank of America ATMs.

 10. Citibank

Citibank has bank ATM locations in the U.S. and around the world. There are over 700 branch locations in the U.S. And, there are thousands of other locations around the world.

You can cash the following at Citibank:

Government checks

Payroll checks

Personal checks

Cashier’s checks

Note: You must to have a Citibank account to use their ATMs to cash checks.

11. Chase Bank

Chase Bank was founded in 2000. Well, technically its parent companies have been around a lot longer than that. Chase Bank is the offspring of Chase Manhattan Bank and J.P Morgan & Co.  There’s a little fun financial geek trivia for you.

Chase Bank has grown rapidly, with over 5,000 branches and 16,000 ATMs around the world. You can cash the following checks at Chase Bank:

Government checks

Payroll checks

Personal checks

Cashier’s checks there.

Their ATMs may let you cash other types of checks too. There is also a max of 30 checks that can be deposited via ATM at once.

Note: The amount you can withdraw will be based on your account settings.

12. Capital One 360

Capital One has bank locations throughout the U.S. – over 700 in fact. The Capital One 360 account is a high-interest paying, no fee account. Capital One 360 account holders get other special benefits too, like convenient check cashing privileges.

If you’re a 360 account owner you can cash payroll, government, personal checks and more. Check with Capital One regarding ATM limits and settings.

13. TD Bank

There are over 1,300 TD Bank locations in the U.S. situated on the Eastern half of the country. They operate in 15 states and in Washington D.C. Their website tagline says they’re “America’s Most Convenient Bank”.

If you have an account at TD Bank you can cash government checks, payroll checks and more. You can deposit up to 30 checks at one time using a TD Bank ATM.

14. Citizens Bank

Citizens Bank operates over 1,200 branch locations and 3,000 ATMs in 11 U.S. states. You can find a Citizens Bank all over the northeastern U.S., Michigan and Ohio.

Per the Citizens website, you can deposit all checks-without an envelope.

15. Fifth Third Bank

If you live in the Southeastern U.S. or the Midwest, you may have heard of Fifth Third Bank. They have over 1,000 locations in states including Ohio, Kentucky, Florida, Tennessee and more.

If you have an account there you can cash payroll checks, government checks, personal checks and others. Their 2,400+ ATM machines might vary on settings for cash back amounts.

16. SunTrust Bank

SunTrust Bank was founded way back in 1891. They have over 1,400 bank locations and over 2,100 ATM machines in the U.S.

They operate primarily in the Southeastern U.S. including Washington D.C. If you’re a SunTrust account holder you can use the ATM to cash payroll checks, government checks and more.

Individual bank account rules apply when it comes to cashing checks at a SunTrust ATM.

17. M&T Bank

M&T Bank operates in eight U.S. States including New York, New Jersey, Maryland, West Virginia and more. They have branches in Washington D.C. as well.

There are nearly 800 branch locations in the U.S. If you’re an M&T customer you can cash government checks, payroll checks and more at their ATMs.

Fun fact: M&T Bank was founded in 1856. They must be doing something right.

18. Valley National Bank

Valley National Bank was founded in 1927 and serves New Jersey, New York, Florida and Alabama. If you have a Valley National Bank account, you can use their ATM to cash payroll, government and other checks.

Note: Check depositing and withdrawal limits can vary based on branch locations.

Takeaway

Chances are, you landed here because you are looking to cash a check after hours. If the check you’re cashing is less than $1,000, I would start off with your local Wal-Mart. Then, if Wal-Mart isn’t an option, I would next contact your closest grocery store. If not those two, then find your closest ATM.

Let this situation be a great learning lesson. When you need cash now, make sure you have cash now. I would recommend setting up an emergency fund or a savings account for larger purchases. A great way to jump start your starter emergency fund is by turning your free time into cash via side hustles.

Thanks so much for reading and good luck with your check cashing adventure!

Need to Cash a Check After Hours? Here are 18 Ways to Do It published first on https://mysingaporepools.weebly.com/

[talabib]

How To Rein In Your Financial Life Before It’s Too Late.

In 2013, a University of Chicago professor named Harold Pollack interviewed the financial journalist Helaine Olen. Somewhere along the conversation, he told her that personal finance was so simple that everything you needed to know about it could be written on an index card.

In fact, he was so convinced of this point that he proved it by grabbing an index card, writing down a set of rules, and posting a picture of it online. It wasn’t long before the picture went viral and the pair understood there was a book behind this idea.

The good news is that it really is simple. By adopting a few straightforward tips, you can begin saving for the future today. The trick is to make smart financial decisions, seek advice from the right people and start immediately!

Saving money today is hard, but a few tips can help.

We’ve all been there; you cash your paycheck only to see it disappear as you pay rent, cover utilities and buy groceries. And let’s not forget the ever-present threat of an unexpected car repair.

So, how can you pull yourself out of this financial debacle and gain control over your money?

Naturally, it starts with saving, but that’s easier said than done. After all, the median annual household income in America dropped by $3,000 between 1998 and 2013 as wages decreased or stagnated. At the same time, the cost of living has gone up.

This perfect storm of plummeting wages and rising costs has resulted in some frightening statistics: a whopping 27 percent of US households have a net worth of just $5,000 or less, and 47 percent of Americans say they couldn’t come up with $400 in an emergency without borrowing money or selling something.

Since so many people are struggling to get their financial houses in order, if you don’t have any savings, you shouldn’t feel bad. But you should take action. If you fail to come up with a savings plan soon, you’ll never be able to invest for the future or even pay off your debt.

Think of it this way: if you save just 10 percent of your income every month, by the end of your first year you’ll already have a whole month’s salary put away!

Here are a few tips to get you started:

First, use cash instead of plastic. This may sound silly, but lots of studies have shown that people spend over 20 percent more when paying with a credit card or online than they do when they pay with physical money. Spending bills and coins is less abstract, so it’s harder for people to part with them.

You can also set up an automatic savings account. These automatically deduct and save a portion of your paycheck every month, which means you don’t have to endure the temptation of spending it. Lots of employers can even reroute some of your salary toward a savings account for you.

Take financial control by repaying your credit card debt in full.

When your grandparents stumbled upon a must-have purchase that they didn’t have the cash to cover, they paid for it in weekly installments, eventually paying off the item in full. But today, no such delayed gratification is necessary. Credit cards have removed this barrier, and the average credit-card owning American has 3.7 cards to her name.

However, this doesn’t spell financial freedom. In fact, it’s a recipe for financial doom. That’s because this rapid transition toward easily accessible, high-interest credit means that the average American household bears a shocking $7,000 in credit card debt.

Here’s why:

In the 1970s, the credit card companies realized how much money they could make from people racking up massive debts and never paying them back in full. The profits these companies now reap are a result of massive interest rates that are paid monthly by consumers who never manage to pay off the principle on their debts.

That’s why you should always pay your full credit card bill, not just the interest. Unfortunately, only about one-third of credit card holders take this route.

How come? Well, psychologists think it’s because of a concept known as anchoring. People see the minimum required payment prominently displayed on the statement and “anchor” their thoughts about how much to pay based on that minimum.

If you fall into this category, or if you simply can’t pay off all your bills right away, just adopt this simple strategy. First, work out the Annual Percentage Rate or APR of each debt. This number refers to the interest that’s charged on a debt over the course of a year. It’s important because the fastest way to get out of debt is to pay off the debts with the highest interest rates first.

So, make a list, ranking all your debts by APR, highest to lowest. From there, prioritize those with the highest interest while making minimum payments on the others. Once you pay off your first debt, just move down the list until they’re all gone.

Shop around for your mortgage to save thousands.

The budget people set when shopping for a house is generally based on the amount they can borrow. But invariably, people fall in love with a dream home; before long, they begin to wonder if they can stretch their mortgage just a little bit.

Unfortunately, this is a huge mistake. Rather than reaching past your price bracket, you should assess what you can afford. To do so, there’s a simple rule of thumb: only buy a house if you can put down 20 percent of the purchase price.

In other words, if you have $20,000 for a deposit, you can afford a $100,000 house. This is important because the bigger your initial deposit, the lower your monthly mortgage payments will be. You’ll have borrowed less money and therefore have less to pay off. In this way, a higher deposit can save you thousands of dollars over the lifetime of your loan.

It may even result in a lower interest rate as well. That’s because smaller loans are less risky for lenders and they aren’t compelled to charge as much interest.

Beyond that, the bigger your deposit gets, the less likely your house’s market value is to drop below what you owe on your mortgage. This is a real threat if the housing market crashes, and you need to sell your property urgently. After all, in such a case you likely wouldn’t have time for the housing market to recuperate.

So, a 20 percent deposit is key. Once you’ve got one, you’re ready to start shopping for your mortgage.

That being said, research has found that just about 50 percent of people do shop around for a home loan. Why should you?

Well, consider the difference between settling for a $200,000 loan at 4.5 percent compared to shopping around for one at 4 percent. The first loan will run you an additional $700 a year. Over a 30 year period, that’s an extra $21,000 just because you didn’t take the time to look at your options.

Start saving for retirement today and make the most of all your options.

Imagine you’ve just started a new job and are signing your contract and other forms. You come across one that asks what percentage of your salary you’d like to contribute toward your retirement plan. You’re young and healthy, so you toss it in the trash. Just like that, you may have thrown away your future. This mistake can easily be avoided.

That’s because the common failure to save for retirement often stems from faulty logic. People tend to think they’ll never retire while the majority of retirees report being forced to stop working sooner than they had planned. In fact, just 20 percent of people work past age 65. You never know when health difficulties, age discrimination, or a crisis in the family might take matters out of your control.

Another common belief is that people have decades to save for retirement and there’s no rush. But compound interest complicates this assessment. For instance, if you save just $104 a month, starting at age 25, and put it in a pension fund that yields a 6 percent annual return, by 65 you’ll have saved $200,000. However, if you wait until age 45 to start investing in the same fund, you’ll need to deposit $430 a month to save the same amount by retirement age.

So, how much do you really need to save? Experts estimate that you should put away 15 percent of your monthly gross pay to ensure a comfortable retirement. That sounds like a lot, but your employer could be your key to success.

That’s because lots of employers offer an “employer match” for retirement savings. In such plans, an employer will match your pension contributions, – usually up to 6 percent of your annual earnings. So, make the maximum contribution you can to reap all of the benefits.

If you don’t, you’ll be among the 25 percent of people who, according to studies, fail to take full advantage of their employer matching options. Just think of it this way: it’s the closest you’ll ever come to making money for doing nothing!

Protect your family and finances by planning for the worst.

It’s no secret that shopping for insurance can be a depressing and demoralizing experience; preparing for the future brings you face-to-face with all the horrible things that could happen to you and your family. Who wants to do that?

But it’s even scarier to think about what would happen if something went wrong and you weren’t properly insured. What would your loved ones do if something happened to you? Would they suffer financially? If so, you need life insurance.

A life insurance policy pays out when the insured individual passes away. But not all life insurance is equal. The best protection you can get at the lowest cost comes in the form of term insurance. This is a type of life insurance policy that’s limited to a set amount of time.

During that time, the policyholder makes an annual payment to keep herself covered, and the policy can be canceled on a yearly basis. If you don’t want it anymore, you just stop making your payments and your coverage goes away. But most importantly, when shopping for term life insurance, get a policy that has stable annual payments throughout its life.

So, life insurance is key for covering the worst possible outcome, but things go wrong every day, and to keep yourself covered you’ll also want home insurance. A good home insurance policy is really insurance on your net worth since your home is likely to be your family’s most valuable asset.

That’s why it’s crucial to know what any given policy does or doesn’t cover. So, when you shop around, think in worst-case scenarios like gale force winds destroying your home, a forest fire overtaking your town or severe flooding. Pose these scenarios to the insurance salesman and ask if the policy would cover you. But his word isn’t enough; you also need it in writing. Getting it down on paper will prevent vital claims from being denied due to technicalities.

Choose your financial advisor carefully and be prepared to pay her.

If you’re in the market for a financial advisor, you might come across people with titles as confusing as “chartered college planning specialist” or “retirement management analyst.” After all, financial advisors depend on convincing clients of their reputation. As a result, there are over 50 different job titles to describe people who specialize in financial planning for senior citizens alone!

So, who should you trust for your financial advice? Well, there’s some good news on this front: there’s just one job title to look out for. It’s fiduciary, and you should always choose a financial advisor who follows the fiduciary standard. This is key since a fiduciary has a legal obligation to put your interests above her own. That means you can trust her to give you objective financial advice, to steer you clear of overpriced investments and to keep your interests at the forefront.

Remember, while anyone can call herself a financial advisor if she isn’t a fiduciary, she’s just a salesperson trying to make a living off of financial products while posing as an unbiased advisor. These so-called advisors have zero legal obligation to put your interests above their bottom line.

Sound financial advice isn’t free. Make sure that your financial advisor is being paid by you and you alone. This is important because lots of non-fiduciary financial advisors offer services for free, only to push you toward particular investments on which they collect a commission.

By contrast, while the fees that fiduciaries charge can take multiple forms, they’re all valid. You might be charged an hourly rate that ranges from $50 an hour for advice on how to get out of debt, to $500 an hour for specialized investment advice. Certain fiduciaries may even charge a flat rate for an agreed upon group of services, like a budget review or comprehensive financial plan.

Whatever tier you choose, find yourself an advisor that will give you sound advice and get your finances in order today!

Personal financial planning is the difference between a sound future and a deferred retirement. But the good news is that a few simple rules can de-stress your relationship to money and get your financial life in order. By planning early and often, you can get out of debt and ensure yourself a comfortable retirement.

[mediacalling]

10 Social Media Predictions for 2019

For social media managers this time of year is less about decking the halls with boughs of holly and more about planning for 2019.

The social media landscape is changing fast and with tougher KPIs, changing technologies and new techniques, it’s more important than ever to stay ahead of our game. At Contentworks Agency we’ve already planned next year’s social media strategies for our clients. So, I’m going to give you a sneak peak into what lies ahead with 10 social media predictions for 2019.

1. GDPR Seeps Into Social

I know you’re sick of hearing about GDPR and I’m with you but it’s relevant so let’s get it out of the way first. Europe’s General Data Protection Regulation (GDPR) came into effect on May 25 this year. In doing so, it began an overhaul of the data protection process giving users more authority over their personal data.

FUN FACT- If the famous Cambridge Analytica scandal had happened after GDPR, Facebook’s fine would have been €1.4 billion.

In line with GDPR rulings, Facebook and the main social media channels made changes to the way advertisers can use data. For example, page visitors can now publicly see the adverts that are running in their region:

Similarly, page managers can no longer upload any old contact list for custom audience targeting. Custom audiences must now be opted in, approved contacts. Violation of this policy can leave you without a Facebook ad account so take it seriously if you’re not already.

Takeaway: A massive tightening of social media advertising rules is probably coming

Right now, we can target end users based on a basket of measures such as their age, gender and occupation. This could soon be viewed as an invasion of privacy and even discrimination.

Organic social media marketing remains largely unaffected by GDPR but paid social media marketing methods will continue to evolve. Marketers relying heavily on paid ads will need to keep an eye on the latest rules regarding customer consent and data protection.

2. Social Media Storytelling for the Greater Good

Let’s move away from the dark clouds of GDPR and onto something a little more fun. Let’s talk about social media storytelling for the greater good.

Storytelling emerged in 2018 as a core technique for engaging consumers.  But up until now a lot of storytelling was stored on blogs and websites and then shared to social media. I see 2019 being the year when storytelling combined with augmented reality is hosted on the main social media platforms.  I also see 2019 as the year when brands align their storytelling with enacting positive social change.

Studies show that 92% of consumers have a more positive image of a company when it supports a social or environmental issue. And almost two-thirds of millennials and Gen Z express a preference for brands that stand for something.

Nike nailed social media storytelling even before the emergence of sophisticated AR technologies. In its Equality campaign it focuses on social change and inspires people to act. The message: by wearing Nikes or even interacting with them on social media, you are supporting the movement.

Watch the video

It was a powerful message that millions stood behind especially given that Nike donated $5 million to organizations advancing equality in US communities.

Takeaway: It’s time to tell great stories

Finally there’s a chance for social media managers to enact positive social change and it doesn’t have to cost a fortune. If your audience is millennial or Gen Z they’ve embraced the push for social change. Shape your social media stories around your supported charities, community activities and local causes. Embrace 360 video and AR technologies to tell your story in the most engaging way possible.

3. Live Streaming Gets Authentic

Live streaming is going to be bigger and better in 2019 so if you’re not already using it, you will want to start. 80% of audiences would rather watch a live video from a brand than read a blog. As an avid reader and writer, I find the reading drop off sad but also understandable. We are busier than ever, and video is just so easy to absorb without effort. One of my social media predictions for 2019 is to go live!

FUN FACT: In 2016, live streaming was already a $30 billion+ industry. It’s projected to more than double in growth by 2021 to become a $70+ billion industry.

2019 will see a demand for more authenticity and personalization. Something that has been lacking in many key sectors such as financial services. Live streaming gives you the opportunity to present an intimate, personalized, and behind-the-scenes look at your brand.

Takeaway: Embrace authenticity (and do it live)

It’s time to get key stakeholders in your company behind live streaming. I know it’s tough. Fears over revealing too much and mistakes that cannot be undone will be at the forefront of your directors’ minds. Start thinking about how you can film in your office, broadcast from your cafe or shop, live stream product launches and demonstrate product features.

4. Chatbots

I’ve got one word for you… Skynet.

Just kidding. Sort of.

The fears we had a few years ago about chatbots taking over the world have subsided. Apps like Messenger and WhatsApp are set to use chatbots even more to service customer needs in 2019. A chatbot is simply an automated chat program that sits on your website or Facebook Messenger and interacts with your customers to help them with requests. According to Facebook, there are already over  300,000 active chatbots so if your business uses Facebook but doesn’t have one, you’re missing out on a valuable tool.

FUN FACT: Only 19% out of 5,000 people surveyed had a negative perception of chatbots.

And social media channels are leading by example. Those of you using Facebook Business Manager will know that they actively use chatbots to communicate with advertisers. In fact Global research firm Gartner predicts that chatbots will power 85% of customer service interactions by 2020. And they can seriously boost your revenue. With 83% of customers saying that they need help at the point of purchase, a chatbot could improve your checkout conversion rate.

Image source headway capital

Takeaway: Embrace chatbots

Many people hear the word chatbot but cannot apply the functionality to their own business. In 2019 you can easily create a chatbot to answer the following questions on your Facebook page:

What are your opening hours/ delivery costs/ return policies?

What’s the status of my order?

What are your payment options?

I’m having difficulties placing an order. Can you help?

Send alerts about cancelled events, time sensitive offers and emergency notices

It’s time to put your chatbots to work enabling you to scale up your offering and provide higher levels of customer satisfaction.

5. Augmented Reality

Augmented reality is already a thing, but many social media marketers aren’t using the tools available to them.

What exactly is augmented reality? Well a simple example is Snapchats facial features.

FUN FACT: It’s estimated that the augmented reality and virtual reality markets will surpass $298 billion by 2023.

Expect to see more tools available to you in 2019 as Facebook has partnered with over 700 brands to achieve the company’s AR plan. What this means in my social media predictions for 2019 is that marketers can have more fun with their audiences and massively boost engagement. You should expect to see more augmented reality marketing stunts going viral on social media too.

Check out Huawei’s augmented reality bus shelter 

Takeaway: Tap into AR

One-third of consumers would make an immediate purchase if they could access an AR visualization of it first. Think IKEA and AR place or Sephora’s Virtual Artist app which allows users to try makeup on digitally. Social media managers should take advantage of new developments in AR. Expect the cost of AR tech to come down in the next few years. But for now, utilize AR apps that are already popular rather than developing your own.

6. Voice Search Gets Louder

Remember when we used to ask silly questions to Alexa and Siri? Ok some of us still do #guilty. Technology has seen rapid improvements since then and smart speakers are rapidly becoming a common household accessory globally.

FUN FACT: The voice search market grew by a jaw-dropping 187% in the second quarter of 2018.

In 2019, our dependency on voice search will increase. In fact it’s anticipated that 50% of all searches will be voice search by 2020.

But why does this matter for social media? It matters because social media platforms already show up in Google search if your keywords and search terms match. For example, if you wish to buy cakes, you might type “buy cakes online” whereas you may ask your voice assistant, “where can I eat cakes nearby?”

In 2019 and beyond, I expect social media networks to jump on the trend incorporating voice search into their offering. Just imagine if you could voice search Facebook for dress shops in your area or find the latest news.

Takeaway: Think about voice search when planning campaigns

If you’re running AdWords campaigns, you need to think about voice search. Do your AdWords campaigns match the likely terms customers are searching for? Similarly, your social media posts can include more direct text that will match with future search functionality. Start optimizing your ads and onsite content for the future.

7. Marketers Will Invest Heavily in YouTube Influencers

Every time you see a sponsored video by someone with hundreds of thousands of subscribers, you’re watching someone who’s an influencer. We all know that influencer marketing is huge but vlogging by influencers is set to get mammoth in 2019. By reaching out to Influencers on YouTube, brands are getting instant virality for their products.

FUN FACT: On average brands pay $2,000 per 100,000 followers on YouTube. So, for a famous vlogger with 1 million followers you should expect to pay a minimum of $20,000.

Takeaway: Look for ways you can leverage influencer marketing

Influencer marketing can be pricey. Before you approach any YouTube stars to promote your brand, think about the following:

ROI. What do you want for your money?

History. How successful has the influencer been in the past?

Business fit. Does the influencer match your brand and its ethics?

What do you get. Will you get one video? Do you need to write the content? Will they promote it on other social media channels?

8. User-generated Content Will Rock Your Networks

User-generated content (UGC) is content created by unpaid fans which businesses can use to promote themselves. UGC comes in the form of photos, videos, memes and stories and is set to rise dramatically in 2019.

There are two reasons for this. Firstly, brands are busier than ever and UGC can really take some heat off their busy content teams. Secondly and most importantly, UGC improves word of mouth interaction, conversion and leads to a better perception of your brand on social media. Ask yourself this. Whose opinion do you trust more when it comes to trying something new: your friends’ or a brand’s?

Example:

Explore Georgia reached out to millennial pet owners featuring photos of dogs from locals and visitors on their social media channels. By creating the #ExploreGeorgiaPup campaign, they amplified their fan base and created a bond with users. The campaign got over 3,000 uses of the hashtag in under a year and 14,000 visitors to their website. They also reached over 10,000 followers on their pet-friendly travel Pinterest board.

Takeaway: Invest in UGC

User Created Content is going to be big and there’s some good news. It’s easy and low cost to action. Four steps for a successful user-generated content campaign:

Design the concept and question

Figure out the best way to launch, promote and amplify

Curate the best entries and display them on your website

Share on your marketing channels

Pick a really engaging topic that your fans will feel passionate about and away you go. Remember engagement is key here so don’t ignore submissions.

9. Instagram Will Overtake Facebook

Instagram has proven that it’s the king of engagement in 2018 recently hitting a billion active users. It’s also projected to snare $5.48 billion in ad revenue in the US alone next year. So, what does this mean for social media marketers? If your brand is on Insta then it’s time to up your game.

As Instagram eats up more screen time for smartphone addicts, its value will increase. If you’re not on Insta then it’s perhaps time to revisit that decision.  Could Instagram overtake Facebook? Facebook has 2.27 billion users, but this figure is falling due to privacy objections and of course the under 30 drop off.

Fun Fact: there are over 4 billion  likes per day on Instagram, and each image posted gets an average of 23 percent more engagement than its Facebook counterpart.

Takeaway: Don’t ignore Instagram

There are many Instagram trends for 2019 but perhaps the most significant is vertical video. Launched in June, IGTV is the new video app exclusively for mobile users. IGTV offers vertical video playback so it’s suitable for Insta. Chipotle was one of the first companies to create and distribute a video on Instagram. In 2019, think Insta vertical videos and paying more attention to creating on the platform.

10. Twitter Will Get An Edit Button – Finally!

Ok so they never actually said that but I’m an optimist. In 2019 Twitter WILL get an edit button. And my social media predictions on this one are not entirely unfounded. A few months ago, make-up YouTuber Jeffree Star, who has over two million followers, tweeted the common complaint that Twitter need to add an edit option for posted tweets.

In a rare acknowledgement, Twitter replied saying the request had been “noted”.

The “EDIT” feature is one that avid Twitter users have requesting for years. We all know that sinking feeling when a posted tweet gathers traction and you realize there was a spelling error in it. Currently marketers must either leave it there and face the trolls or delete it and start again. Some of Twitter’s most influential users have lobbied for the introduction of an editing function. Even Kim Kardashian revealed she had pushed Twitter boss Jack Dorsey on the matter!

Takeaway: Make a wish

Keep your fingers crossed marketers. That is all.

2019 is set to be another rollercoaster year for social media marketers so it’s good to get your strategy in place. Which social media predictions for 2019 are you most excited about? Comment below or tweet us your comments.

10 Social Media Predictions for 2019 posted first on http://getfblikeblog.blogspot.com

[numberonetrashcollectorus-blog]

I tried to renew my medicaid insurance and they said i cannot qualify?

"I tried to renew my medicaid insurance and they said i cannot qualify?

I told them that I worked at Duane Reade and that I make minimum wage there  I dont even make that much money there but they (New york state of health) said based on my income i am inelgible for medicaid. it doesnt make any sense to me, does getting a job hurt your chances of successfully renewing your medicaid plan or what? cause last year when i renewed it everything was fine and i was working then too

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Or Collectible Car Insurance, whatever you want to call it. And is it cheaper than typical insurance? (Though I doubt it)""

How much would insurance be for a young person with a luxury car?

I was wondering if there's anyone (preferably a lady) between 22-25 who has a luxury car like a Jaguar, BMW or an Audi, and how much you pay for insurance. I'm 23 & looking to buy an Audi A4 or a BMW 3 series (second hand). So just wanted to know if theres anyone else out there with those cars :) thanks in advance x""

Looking for some dental insurance in California. Any suggestions?

I'm right now looking for some dental insurance in California, but after looking for a while, I'm getting quite confused. My aim is to get an affordable plan that covers things like root canals, cleanings, x-rays. Adult braces and braces are of a lower priority right now. Does anyone have any suggestions for an affordable plan? My current location in in the Bay Area.""

""Car accident, neither driver has insurance?""

Was in a car accident yesterday. The other driver was completly at fault. He gave me insurance info, but has just informed me he was dropped due to lack of payment or something. I also have no insurance. YES, I KNOW ITS ILLEGAL TO DRIVE WITHOUT INSURANCE. IF THATS ALL YOU HAVE TO SAY MOVE PAST MY QUESTION!! What am I suppose to do? Do I need to try and get a lawyer and sue? My car was totalled,my hip is in a lot of pain, so is my bfs shoulder n back. The other driver is fine and had very minimal damage. Im at a loss, any advice would be.greatly appreciated""

Car Insurance Question?

Hello- I was involved in a really bad car accident, where I was the stationary vehicle in my lane and the other driver was completely at fault, texting, speeding at 60+ over, lost control of his car and ended up horizontal in the road- needless to say my car is totaled and the other driver lost his life. He was really close to have taken mine as well. Anyways, my question is how long does it take for the insurance to cut a check so that I can go out and buy a car?""

What is a good reputable Insurance Company for Health Insurance?

I need health Insurance and I want to get quotes.

""If i lie about my car mileage for auto insurance, will they eventually find out my real auto mileage?""

If i lie about my car mileage for auto insurance, will they eventually find out my real auto mileage?""

Emancipated 16 year old car insurance help?

I am currently living with my parents and am soon to be emancipated. I was looking at some geico quotes, turned out for minimal coverage was 475$ per month. This was outragous and obviously way to much for any one to be able to afford. To have the type of coverage i would like was 10,000$ per year, the numbers were staggering. Anyway my question is it possible to get insurance at 16 years old on your own for a resonable price. If so with what car insurance company. I have a 3.0 and a perfect driving record, i do drive a camero z28 so i understand its going to be a little higher than average....""

Do i need insurance for a project vehicle?

I am looking to get a project car to build until i can drive do i need insurance

I can't get affordable health insurance until I lose 20 pounds?

I need to lose 20 pounds so I'm no longer obese. Then I can get into an affordable health payment program. Until then I can't afford insurance so I hope nothing major happens. I've started eating healthy by cutting sweets, fried, processed, junk, and fast foods. Eating lots of fresh fruits and veggies with moderate amounts of whole grains and lean protein. I drink mostly water but will have tea sometimes with a spoonful of honey. For breakfast we have plain oatmeal with fruit but no sugar. My calories are 1300-1600. I'm not very consistent with exercise. I aim for 45-60 minutes of cardio 3-5 times/week and 2-3 strength training sessions each week, but don't always manage all that. So considering that, how soon can I reasonably expect to lose those 20 pounds?""

Which is cheaper to insure a car?

I'm going to get a car for college, but I just need some information. My parents have AAA. Would it be cheaper to add the car onto their insurance (and pay them), or start my own insurance account with a different company?""

Whay is insurance? why is it necessary? types of insurance?

i need more about insurance. what is assurance?principles of insurance?

What would my car insurance be?

I am a 20 year old male in Upstate NY and ive been driving since last september and i just bought a car (2000 Chevy Impala) and im trying to look for a good car insurer and my parents have state farm. what insurer would be the best and how much would it cost in my situation?

How do I rent a car? without any insurance (i have no car)?

So I want to rent a Dodge Magnum, for about 9 days in May through Thrifty.I will be driving from Missouri to Orlando for a vacation. I assume that I will pay the fee for the loss damage waiver (about $11 p/d) Or maybe my credit card might just cover that. But why do they keep refering to my insurance?... I don't even own a car! Else why do they think I am renting? Anyway what advice would you nice people give a dumb person like me as to what I need to do or what other insurance I need to purchase, thanks.""

Does the monthly payment on a lease vehicle include taxes and car insurance?

I am looking to lease a car but I am on a budget. Ive been looking online at some people that want to sell or transfer their lease because I would only want it short term. Since lease cars are usually new insurance would be too much for me to pay, so I was wondering if a monthly lease payment includes it, and taxes.""

How much is this car's insurance..?

Iam 22 male (Married) and have a squeeky clean driving record. I am in the market for a new car and here is a list of the cars I am considering. If you could tell me which one would have the lowest cost for insurance (Full Coverage) that would great! -2005 TL acura -2005 Mini Cooper S -2007 Civic 4 door Si Thanks.

Motorcycle insurance?

I'm just wondering how much this will cost if I get one in the future. I'm 17. I have had a car accident recently (last thanksgiving). And yes, I was at fault. I don't feel like naming my excuses... the insurance companies won't care anyway. But don't worry, no one was hurt. So anyway... what prices are we looking at if... 1. I get it now with my parents insurance? (we own four cars... I already have one) 2. I wait until I'm 18 and move out to a college dorm and have it as my only vehicle? 3. sport bike vs regular bike? 4. I wait a few years until the car accident is off my record? No lectures about safety please. just give me some numbers.""

How to get cheaper insurance? ?

So, I'm buying a new car. And have been getting lots of insurance quotes. They all ask what is the main use for this vehicle? and the choices are pleasure commute business and a couple other choices. My question is, which one gets the cheaper insurance? I work 3 days a week, and have 4 days off a week, so no, my main use isn't work, because I have more days off then I do work. Anyone have any ideas?""

Do I need Liability insurance?

I live in So california, and just brought lots In Texas,Arkansas and Utah.The lots are vacant land. Im being told that laibility insurance might be wise. is there someone out there who knows for sure.""

SR22 insurance Texas?

I'm looking for a cheap SR22 insurance Texas, maybe some special price just for Texas State. Any info? And what's a medium SR22 insurance cost? Thanks""

If a person has insurance for a couple months and gets in a big wreck and totals like 3 cars and dies?

Does that persons insurance have to pay for the totaled cars . Is the insurance just going to have to eat it ? The guy is dead he can't make any more payments ? I was just wondering

""Free medical care-for adults-in Tampa,Florida?

can people with health problems who has no insurance get free medical care.

How much would it cost to add a Mustang GT under my parents current policy? Would it go up alot?

They currently pay I think its 125-140 dollars monthly for insurance on a 4 door 2003 buick century. So my question is, would it go up alot if I were to buy a GT myself and have them add it to their policy and add myself to it? How much do you think it would go up? BTW i'm talking about a 1987-93 mustang GT. Or chances of a 99. I dont want it to somewhat be fancy or nothing. It could have high mileage. I plan on buying one for around 1-4 grand. Yes the mileage would probably be high, but hell mustangs are cool and it would be my first car :P BTW I'm getting my license when I turn 18. I turn 17 in 2 months. I want to get a job now and start saving up.""

I need health insurance as a student! Help?

My parents had the COBRA. Plan until my mompassed. Since then my dad and i have been self insured. My dad has some veterans insurance but i dont have anything. Im 18 and will be a full time college student in september. Are there any affordable plans out there? I make around 10,000 a year for my part time job..""

I tried to renew my medicaid insurance and they said i cannot qualify?

I told them that I worked at Duane Reade and that I make minimum wage there  I dont even make that much money there but they (New york state of health) said based on my income i am inelgible for medicaid. it doesnt make any sense to me, does getting a job hurt your chances of successfully renewing your medicaid plan or what? cause last year when i renewed it everything was fine and i was working then too

The cost of driving a car includes both fixed costs and mileages costs?

The cost of driving a car includes both fixed costs and mileages costs.? The cost of driving a car includes both fixed costs and mileages costs. Assume that it costs $161.20 per month for insurance and car payments and $0.25 per mile for gasoline, oil, and routine maintenance. (a) Find values for m and b so that y=mx+b models the monthly cost of driving the car x miles. (b) What does the value of b represent? (a) m=___(Type an integer or a decimal) b=____(Type an integar or a decimal) (b) Choose the correct answer below. A. The rate of change in cost of the car with each mile. B. The optimal cost of owning the car for one month. C. The fixed cost of owning the car for one month without driving it. D. The total cost of owning the car for one month.""

Can you help me find Insurance?

Im trying to find a phone number for Cheap Health insurance in Mars Hill maine. THe zip code is 04758. I want a phone number because I only need Insurance for my children not on myself I live in a different area. I don't want to do the online quotes I want to talk to someone! Can you help me find this information? I need an affordable plan

Is insurance lower on an rx8 or 350z?

and how much of a difference is there on average? im 23, got a few speeding tickets, thats about it""

What is the best life insurance company?

what it the most reptuable life insurance company

How much do you have to pay for your teen's car insurance?

also, what does he/she drive and the year?""

Can you get car insurance on someone who does not permanently live in your household?

Could I insure my sons car even though he only stays with me on the weekends. He is under 18 and can't get a policy himself

Auto and House Insurance...what to ask!?

I'm a first time auto and house insurance buyer....yipee (NOT!) As I shop around for prices, I find each of the policies vary so much. What are some key questions I should be asking? What are the things I should be inquring about which will greatly affect the future with this insurance? In other words, to those of you who have had experience with insurance policies, what do you find most important in having on your policy? How do I make sure I'm well covered?? Thanks!!!""

Where do you normally store your car insurance?

The dilemma: I've always wondered where one would have to store his car insurance and automobile registration in. Say you get into a car accident or a roadblock, you'd have to provide proof that the car that you're in is insured and belongs to you. However, putting your important documents in the glove compartment or even tucked away in the back trunk is always prone to break-ins. So the question is would it be better to keep it in the car or keep it the house (or bank, if you're that paranoid)?""

How much money would it cost to have a 1992-1998 BMW E36 1.6l-1.8l for a 17 year old on your parents insurance?

How much money would it cost to have a 1992-1998 BMW E36 1.6l-1.8l for a 17 year old on your parents insurance?

What is a good month by month health insurance company in Central FL?

I need health insurance hand don't have a job. What is a good pay by the month insurance company that has decent coverage and is affordable, by affordable I mean between $30 and $80 a month.""

Car insurance help?

I've just brought my own car.. I'm 18 years old and have been learning to drive for around 5 months and have my test in 2 months. I have some questions about car insurance.. As I want to be learning to drive for the next 2 months in my own car, I'll need provisional insurance cover, I was quoted around 600 ish for this, including my mum being named second driver. Then when I pass my test, and I update my insurance to full licence, the quotes are around 1500, so will I have to pay the 900 difference? Also, are black boxes ok? The quotes I've got are so much cheaper with black boxes so I'm tempted to get one, but I'd like to know about others experience with them.. What's the positives/negitive and are they worth saving around 500 a year on insurance costs (for the first year anyway) Thanks :)""

Car insurance for new driver that will not drive far..?

HI, I am turning 17 in november, and already looking at cars. The cars i am looking at are getting insurance at over 5000 (im male) a year fully comp! The car is only like 2500..... The thing is i will barely use my car as i live really close to school, so will walk all weekdays - especially as i am banned from parking in school as i live too close. I will occasionally use it on weekends - but if i go out in the evening im not going to take my car - drink driving.. So the only time i will use my car is quite alot in the holidays and very occasionally on some weekends, and therefore think 5k for a few car trips is ridiculous.. So is there any form of insurance where you pay for how far you drive? BTW the cars i was loooking at are 1L's, peugeots and vauxhalls mainly. These ok? Im looking at nothing over 60,000 miles and 7 years old max - i think i will do 3000 max a year. IM looking to sped about 2500 on a car, but need cheaper insurance than that! Hope you can help Many Thanks""

I deliver pizza. I was told car my car insurance wont cover a crash.?

THey said if i have the pizza sign on my car and get hit insurance wont cover me but without the sign i will be?

""Car insurance cheaper in New Orleans, LA or Suffolk County, New York??""

My daughter recently moved to New Orleans, LA as an intern temporarily....does anyone know if automobile insurance, all things being equal, will be more expensive in New Orleans, Louisiana or Suffolk County, New York ??? much thanx all""

About how much would my auto insurance be? (First-time driver)?

I'm budgeting getting a car and insurance and I don't know how much it would be. It will be my first time driving/having a car or license. So no record of anything, but I'd be a newbie. It'll be in the state of Pennsylvania and it will probably be a pre-owned small car.""

How much will it costs me to cancel my Car Insurance?

Hi guys, I pay monthly installments on my car insurance and renewed my policy on 2nd February. Anyhow to cut a long story short I've bought a house with my fiancee and I work in Leeds now, and figured that it's cheaper to buy a monthly ticket for the train than it is to drive there, so want to cancel my insurance asap. I rang my insurance firm and they didn't give me an exact cost, only an admin fee of 29.95 to cancel, but mentioned that it is carried out on a 'pro-rata' basis. What does this mean and how much roughly am I looking to pay? I pay 51.00 a month at the moment...I'm confused.com! Thanks guys!! D""

Cheapest young driver car insurance?

Hi, I will be driving soon and know insurance is very expensive for young, new drivers. Does anyone know of any cheap insurance companies OR techniques of how to get cheap car insurance? Thanks.""

I have cancelled my old insurance with a company and i need a renewal notice to get cheap insurance.?

i have called the old company is asking me why i need the renewal notice from them. they told me they have put it in the post but i did not receive anything. the only mail i received, was the sorry to see u go mail the next day after i cancelled the policy. With the notice i can show i have a 6yrs no claims discount. How do i get the old insures to send me the notice with the no claims or do i just tell my new insurers to contact the old ones. Please this is urgent. Serious answers only""

How much can I expect to receive in my auto accident settlement?

I was t-boned by an illegal mexican (in Phoenix, AZ, who'd have thought, right?) who was going 50 mph on my side of the car. There was 5K is damage to the car. Fortunately, I did not have any broken bones but the doctors STILL can't get my bones into correct position. I have been going to therapy for 4 going on 5 months. I am still attending therapy. I probably will do 6 months total in therapy. I am suing my own insurance company with Phillips & Associates. Can anyone tell me what would be reasonable amount to expect?""

Car Insurance?

How much does a demerit point affect the insurance in premium outflow? I mean if I get a point how much more would I pay in insurance per month? Also which carrier is the best for point heavy drivers? Thank you

What is the best type of car to get for cheaper insurance?

What is the best type of car to get for cheaper insurance?

AXA Equitable Life Insurance?

anyone have Equitable as their insurance company? Comments? Also, can anyone tell me about the Flexible Premium Universal Life Insurance Plan? THANKS!""

If your car is in storage do you still have to carry car insurance?

If your car is in storage do you still have to carry car insurance?

Where can I get flood insurance?

My insurance agent can't sell me flood insurance. I am not in a known flood zone. My township does not participate with the NFIP. Everyone tells me I can buy insurance but according to all the people who I have asked for it I can't get it. If you know how, let me know, please.""

Best room insurance for a University student?

Which company provides the best deal on room insurance for students? Cheers

I tried to renew my medicaid insurance and they said i cannot qualify?

I told them that I worked at Duane Reade and that I make minimum wage there  I dont even make that much money there but they (New york state of health) said based on my income i am inelgible for medicaid. it doesnt make any sense to me, does getting a job hurt your chances of successfully renewing your medicaid plan or what? cause last year when i renewed it everything was fine and i was working then too

https://www.linkedin.com/pulse/my-auto-insurance-go-up-speeding-ticket-samuel-holmes/"

[thornburgrealty]

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[takahashicleaning]

ＴＥＤにて

ハンス・ロスリング：世界最高水準の統計を披露

（詳しくご覧になりたい場合は上記リンクからどうぞ）

統計データをこんな風に見せられたことはないでしょう。

スポーツ実況者張りのドラマ性と緊迫感を込めて、統計の達人ハンス・ロスリングが「発展途上国」と呼ばれる言葉の概念を打ち崩します。世界の趨（すう）勢が理解できます。

普通は、人間の直観は正常に日常の正しさを証明していきます。しかし、人間の認識限界を超えた現象はしばしば、直観に反する事実を私たちに突きつけます。

物理学では、量子力学、相対性理論は、人間の日常の認識を超えた現象を扱います。

ここでは、まさに統計が駆使されていて、ハンス・ロスリングは違うデザインから使用していますね。

データには、利用可能な国連の統計を使っています。別な視点から見てみましょう。世界の所得の分布です。これは世界の人々の所得の分配を示しています。世帯1日当たり1ドル、10ドル、100ドルです。

もはや豊かな国と貧しい国の間にギャップはありません。先入観です。小さなくぼみがありますが、ずっと途切れなく分布しています。所得がどういう配分になっているか見てみま��ょう。

これが世界の年間所得の100％です。最も豊かな20％が74%を手にしています。そして、最も貧しい20%が2%を手にしています。

1人当たりのGDPで見てみるとOECD、南アメリカ、東欧、東アジア、アラブ諸国、南アジア、サハラ以南のアフリカ。

子どもの生存率とお金の間には強い相関があります。また、2000年代では、世界は分断されておらずほとんどの人が真ん中にいます。

世界全体の傾向も1960年代から比べてみると、中国、韓国、ブラジル、アラブ諸国、ウガンダ、南アフリカと発展の速度が大きく異なるのが分かります。

政策立案者や企業もまた世界の変化を知りたがっています。では、なぜ？それが実現しないのでしょう？

なぜ？既に持っているオープンデータを使おうとしないのか？

国連も国の統計機関も大学もその他の非政府組織もデータを持っているというのに、それはデータが隠されているからです。

一般の人々が使えるインターネットがあるというのにオープンデータは有効に使われていません。

最後に、1000人当たりのインターネットユーザー数をご覧いただきましょう。このソフトを使うと世界の国々の500種のデータに容易にアクセスできます。

画面の切り替えに若干時間がかかりますが、縦軸と横軸に好きなデータを選択できます。必要なのはデータベースを無料化し、検索可能にすることで、そうすればクリックするだけで

グラフに変えて即座に理解できるようになります。統計学者はこういうのを気に入りません。現実を表していないと言います。

統計的、分析的手法を使うべきだと言います。しかし、これで仮説生成ができるのです。

個人情報のプライバシー的な問題も回避しているビックデータの解析手法は、素晴らしいです。

オープンデータは、特定のデータが、一切の著作権、特許などの制御メカニズムの制限なしで、全ての人が望むように再利用・再配布できるような形で、商用・非商用問わず、二次利用の形で入手できるべきであるというもの。

主な種類では、地図、遺伝子、さまざまな化合物、数学の数式や自然科学の数式、医療のデータやバイオテクノロジー、サイエンスや生物などのテキスト以外の素材が考えられます。

政府におけるオープンデータもあります。200以上の地方、地域、国のオープンデータのカタログが、収集したデータの一部を配布するウェブサイトを作成している。これらのデータを源にして、マクロ経済学の統計分析にも活用できる。

また、国会の活動や立法プロセスをリアルタイムで全ての人が閲覧できるようにもなり、いま何が起ころうとしているのか？それから、それにかかわっている議員が誰なのかといった情報も得られるようにもなります。

歴史が示すところによれば、警察が、ひとたび大量のデータを保有し、無実の人々の追尾するようになると暴走し、拡大解釈をし続け、脅し、威嚇、特権意識の乱用や政治的な優位を得る行為、時には、法令を無視した同意や許可申請のない単なる覗き見行為へと濫用されがちです。

幸いにも、我々にも取るべき手段があります。市議会は、地方警察を統制できるので、条例を制定することによって無実の人々の情報を破棄し、保存期間も短期間にすることで、このような技術の合法的な使用のみを認可するのです。

オウム真理教の集団テロ事象の原因は開発独裁特有の当時、自民党55年体制の特権意識による負の遺産とインターネット黎明期にまだ周波数を独占的した民放テレビ局の暴走が談合を産み出し、警察機関が職権乱用して談合に便乗。監視も悪用し権力を思うままにふるまわせたことによる出来事にすぎない。

みなさん。考えてみてください！オウム真理教の集団テロ事象の後の警察権力は拡大してます！防衛庁は防衛省になりましたよね。拡大してます！スピード早くないですか？歴史的に見ると危険です。権力を思うままにふるまわせたことによる証拠です。憎しみの連鎖の起点の一つ。

テレビ潰れろ！なくせ！警察の職権乱用。警察が悪さしないようにまず監視カメラを警察内部につけろ！防衛省を防衛庁に格下げ、警察予算を削減してベーシックインカムの原資にすること。

ベーシックインカムは、現在の社会保障にプラスしていくことを前提条件として考慮しています！

ヨーロッパでの一般データ保護規則(GDPR)でも言うように・・・

年収の低い個人（中央値で６００万円以下）から集めたデータほど金銭同様に経済的に高い価値を持ち、独占禁止法の適用対象にしていくことで、高価格にし抑止力を持たせるアイデア。

自分自身のデータを渡す個人も各社の取引先に当たりデータに関しては優越的地位の乱用を年収の低い個人（中央値で６００万円以下）に行う場合は厳しく適用していく。

最後に、マクロ経済学の大目標には、「長期的に生活水準を高め、今日のこども達がおじいさん達よりも良い暮らしを送れるようにする！！」という目標があります。

経済成長を「パーセント」という指数関数的な指標で数値化します。経験則的に毎年、経済成長２％くらいで巡航速度にて上昇すれば良いことがわかっています。

たった、経済成長２％のように見えますが、毎年、積み重ねるとムーアの法則みたいに膨大な量になって行きます。

また、経済学は、大前提としてある個人、法人モデルを扱う。それは、身勝手で自己中心的な欲望を満たしていく人間の部類としては最低クズというハードルの高い個人、法人。

たとえば、生産性、利益という欲だけを追求する人間。地球を救うという欲だけを追求する人間。利益と真逆なぐうたらしたい時間を最大化したいという欲を追求する人間。などの最低生活を保護、向上しつつお金の循環を通じて個人同士の相互作用も考えていく(また、憎しみの連鎖も解消する)

多様性はあるが、欲という側面では皆平等。つまり、利益以外からも解決策を見出しお金儲けだけの話だけではないのが経済学(カントの「永遠平和のために」思想も含めて個人のプライバシーも考慮)

（個人的なアイデア）

Don tap scott is “block chain revolution”, such as Uber, Airbnb, TaskRabbit and Lyft. We are talking about shared economies. It is that equal peoples generate wealth together and share. It is a very powerful idea.

ドン・タプスコットが「ブロックチェーンレボリューション」の中で、UberやAirbnbやTaskRabbitやLyftといった。共有経済について話題にしています。対等な個人がいっしょに富を生み出し、共有するというのは。とても強力なアイデアです。

But, when you tell me that kind of company does not really share it! ! In fact, the success of these companies is due to not being shared. Furthermore, unless it is a country with high inflation, deflationary spirals will occur and gradually wages will not rise. The only solution at the moment is to tax and distribute widely to platform firms taking de facto standards with redistribution of wealth. This is important! ! I say.

でも、私に言わせるとそういった企業は本当に共有をしてはいません！！実際、これらの企業が成功しているのは、まさに共有しないことによってなのです。さらに、高インフレの国でないとデフレスパイラルが起きてしまい、次第に賃金が上昇しなくなります。現在の唯一の解決法は富の再分配でデファクトスタンダードをとっているプラットフォーマー企業に課税して広く配分するということです。ここが重要！！と言っています。

As a personal feeling, I think that around the dawn of Google until the financial crisis 2008 is the ideal form of redistribution. It might be even better if you incorporate block chains and virtual currency here.

個人的な感覚としては、金融危機2008までのGoogle黎明期の頃が所得再分配の理想形と思っています。ここにブロックチェーンと仮想通貨を組み込めば、さらに良いかもしれません。

As for the virtual currency, there are possibilities that three scenarios will merge into the hybrid in the future.

仮想通貨については、今後、３つのシナリオがハイブリッドに融合していく可能性があります。

First, virtual currency like bit coin substitutes investment and speculation. Second, platform firms taking the de facto standards issue and use virtual currencies. Third, we will utilize the virtual currency issued by central banks to support individuals with lower annual income (policy of the executive branch like helicopter money)

第一は、ビットコインのような仮想通貨が投資や投機を代用していく。 第二は、デファクトスタンダードをとっているプラットフォーマー企業が仮想通貨を発行、活用していく。 第三は、中央銀行が発行する仮想通貨を年収の低い個人の下支え用に活用していく（ヘリコプターマネー的な行政府の政策）

Current age of artificial intelligence. As other extended ideas such as MBS, REIT and ETF of effective monetary policy measures that began to be utilized after the financial crisis by the central bank, compensation other than options to raise taxes.

現在の人工知能時代。中央銀行による金融危機以降に活用し始めた有効な金融政策手段のMBS、REIT、ETFなどの他の拡張アイデアとして、賠償金をかける、税金アップ以外の選択肢。

In other words, central banks in each country actively purchase and forcibly buy industrial individual securities of platform companies that deflate goods other than the large public goods affecting low-income people who are currently de facto standards Support

つまり、いっそのこと現在デファクトスタンダードをとってる低所得者に影響大な公共財以外の財をデフレストリーム化させてるプラットフォーマー企業の産業個別の証券を各国の中央銀行が積極的に買取り、強制的に下支えして

Idea to stabilize price inflation by indirectly offsetting declines in prices by increasing the income of low-income earners by making profits on securities funded by basic income. Perhaps there is also the effect of increasing real GDP?

証券上の利益をベーシックインカムの原資にすることで低所得者の収入を増やし物価の下落を間接的に相殺させ物価を下支え安定化させるアイデア。もしかして、実質GDPも増加していく効果もあるかも？

In addition, central banks of neutral countries can improve redistribution function at basic income, as Plato says, it is possible to prevent the rise of populism which negatively falsifies dissatisfaction of the disparity which is the blind spot of ideal democratic politics maybe.

さらに、中立の各国の中央銀行がベーシックインカムで所得再分配機能を向上させることで、プラトンが言うように理想の民主政治の盲点である格差の不満を負に扇動していくポピュリズムの台頭を予防できるかもしれません。

In some ways, the information industry is also similar to credit markets.

情報産業はある意味、信用市場に似ているためもあります。

The idea of ​​raising the minimum wage by using the personal digital money-type basic income has flashed!

個人デジタル貨幣型ベーシックインカム活用で最低賃金の底上げをするアイデアがさらに閃いた！

As we have numerically clarified in Tomapiketi's “21st Century Capital Theory”, the balance between capitalism and democracy is extremely difficult, and it is very difficult to solve while avoiding Soviet communism. There is.

トマピケティの「２１世紀の資本論」でも数値的に解明しているように、資本主義と民主主義のバランスが至難の技であって、ソビエト型共産主義を回避しつつの解決はとても難しいことでもあります。

He said that inequality and private property itself are not bad, and that the positive power of capitalism (innovation, economic growth, improvement of living standards) should be used for the public good.

不平等や私有財産それ自体が悪い訳ではなく、資本主義のポジティブなパワー（イノベーション、経済成長、生活水準の向上）は公共の利益のために活用すべきとも言っています。

The minimum wage within the social system will increase. Annually, up to 6 million yen in annual median according to steady economic growth!

社会システム内の最低賃金は上げていく。毎年、地道に経済成長に合わせて中央値で年収６００万円まで！

Basic Income is based on the premise of adding to current social security!

ベーシックインカムは、現在の社会保障にプラスしていくことを前提条件として考慮しています！

Employment insurance also pays benefits in addition to basic income.

雇用保険は、ベーシックインカムと別にプラスして給付金を支払うようにもする。

Basic income benefits are paid in addition to the minimum wage. Providing benefits as a personal digital money-type subsidy will increase the probability of approaching a median of 6 million yen per year, reduce future anxiety, and increase happiness.

最低賃金とは、別枠でプラスにベーシックインカム給付金を支払う。個人デジタル貨幣型補助金として給付していけば、中央値で年収６００万円に近づく確率も上がるし、将来の不安も減り、幸福度も確実に上がる。

If digital money is reprinted in another frame, the money supply will double, but the confidence in the currency will be harder to damage and the real GDP will be able to shift to a plus sum state where the cruise speed will increase. Enclosing in individual corporate units will result in a composition error, so do it for everyone at the same time.

デジタル貨幣を別枠で増刷すれば、貨幣供給量も倍になるが、通貨の信任は、毀損しづらくなって、実質GDPも巡航速度で増加していくプラスサムの状態に移行できる。個々の法人単位で囲い込むと合成の誤謬になるため、一度に全員に同時にすること。

The national debt, including government bonds and borrowings, is 1100 trillion yen as of the end of April 2019! A considerable decrease in debt. JGBs, etc. are 700 trillion yen because they are 400 trillion yen held by the BOJ.

国債と借入金などを合計した国の借金が、2019年4月末現在1100兆円！だいぶ借金減少。国債などは、日銀保有して400兆円だから実質700兆円。

Apart from all personal assets, all corporate assets are 2500 trillion yen, and if you use financial engineering as a source of funds, you can double the consumption tax tax and distribute it with a high corporate income tax increase!

全個人資産とは別に、全法人資産が2500兆円ありこれを原資に金融工学駆使すれば倍にできる消費税減税で高額法人所得者増税で分配させること！

A new tax may be created separately for the internal reserves of corporations to fund basic income.

法人の内部留保分に別枠で新規課税を創設してベーシックインカムの原資にしてもいい。

Thus, if digital monetary benefits (money with a time limit that is refunded at the end of the year only) from the New Year every month as a basic income, if the rate used for products and services of large companies is high, data from past flat-rate benefits failed. Is also clear.

こうして、ベーシックインカムとして毎年、毎月、新年からデジタル貨幣給付(一年のみ年末返金する期限付き貨幣)されても大企業の製品やサービスに使われる率が多いと過去の定額給付金失敗のデータからも明らかになってる。

The corporate side is pretending that it does not know, but because it appears in the data, I realize that it will eventually be useless, and money will also go through large companies like a huge fund. At first, how about a financial engineering system where a large company loses but returns money to the large company in the long run?

法人側も知らないフリをしてるが、データにでているため、いずれ無駄だと気がつくし、マネーも大企業経由で巨大ファンドのようにお金が回る。初めは、大企業が、損するが長い目で見ると大企業にお金が帰る金融工学の仕組みではどうだろうか？

In this way, large corporations can also realize the term “public organs of society”, money goes up hugely, the standard of living of the common people rises, and the former glory and pride of big corporations of praise and first-class remain!

こうすれば、大企業は、社会の公器という言葉も実現できるし、お金が巨大に回り、庶民の生活水準も上がり、賞賛と一流という大企業のかつての栄光やプライドも残る！

If you circulate in digital currency on a blockchain such as Libra, Central Bank, etc. (money with a time limit that is refunded at the end of the year only), fraud will also disappear.

リブラ、中央銀行などのブロックチェーンでのデジタル通貨(一年のみ年末返金する期限付き貨幣)で流通すれば、不正もなくなる。

Furthermore, if the consumption tax hike itself is executed from data, there are not enough measures to have a direct impact on the decline in personal consumption after the Lehman Shock and beyond the Great East Japan Earthquake! Reduce consumption tax and cut consumption tax by double the amount in 2018!

さらに、データなどから消費増税自体が実行するとリーマンショック以上、東日本大震災以上で個人消費落ち込みに、はるかに直接影響するのに対策がまだまだ足りない！2018年の倍額で消費税対策、消費減税をしろ！

8050 problem? If you are about 600,000 people, every year you can solve all 10 million in a digital currency with a one-year deadline with a full benefit from My Number Card!

8050問題？60万人位なら、毎年、1年間期限付きデジタル通貨で1000万をマイナンバーカード経由から全額一斉給付で全て解決します！

Does not become a social problem! Minor crimes will definitely be reduced. Security is improved, security cameras are not required, police dismantling can be promoted, and police operations are reduced. At the end of the year and over the year, there will be no anxiety. Easy! Funding is created by creating a new taxation separately from the super wealthy, including the mass media, and forcibly collecting the wealth tax! Only about 6 tillion yen per year!

社会問題化しない！軽犯罪も確実に減る。治安も良くなり防犯カメラも不要になるし、警察解体促進できて警察業務も減る。年末や年越しも不安がゼロになる。簡単だろ！財源はマスメディアを含めた超裕福層から別枠で新規課税を創設し、裕福税を強制徴収！年間6兆円程度で済むぞ！

Annually, 3 tillion yen with 5 million yen per year in digital currency with a one-year time limit! If you collect it, you can pay with pocket money! The points are paid annually from low-income households with a higher amount than ordinary workers.

毎年、1年間期限付きデジタル通貨で年間500万円で3兆円！かき集めれば、ポケットマネーで払えるだろ！一般労働者より高額にして低年収世帯から毎年給付がポイント。

It becomes fair and corporations are forced to increase their productivity. If you want to work, you can get plenty of money to return to society, so you can use the money efficiently to find employment, qualify, or acquire skills at school. . Because it is a capitalist society where activities are not possible!

公平になるし法人は生産性を上げざるを得なくなる。働きたい人は社会復帰できる資金も潤沢に給付されるから、その蓄えで自由に就職活動、資格取るなり、学校で技術を身に付けるなりして、効率的に資金を活用して働けばいい。活動もタダではできない資本主義社会だから！

Make it possible to select the usage. Because it is digital money, it can also be tracked! The jealousy of the super wealthy and the envy are drastically reduced and health can be maintained. The happiness of the common people will also increase!

使い道も自由に選択できるようにする。デジタル貨幣だから追跡もできる！超裕福層へのねたみ、そねみも激減し、健康を維持できる。庶民の幸福度も上がる！

You can also work freely! Without such a person, the value of working will not increase!

‪働かないことも自由にできる！こういう人もいないと働く価値は上がらない！

Well, human beings, who are usually social animals who want to interact with others when they have abundant money, are more likely to be in pain if they don't work with everyone in the process of evolution.

まぁ、たいていお金が豊富にあると他人と関わり合いたくなる欲がでる社会的な動物である人類は、進化の過程でみんなと働かないことは、苦痛になる可能性は高くなるけどね。

The data proves. Japanese people have such characteristics. There is no problem even if you make a yearly payment from a low-income household at a higher price than regular workers!

データが証明している。日本人は、特にそういう特質があります。一般労働者より高額にして低年収世帯から毎年給付しても問題はない！‬

It is better to take M & A tax cuts and use retained earnings as an incentive, but is it sustainable? Should I limit the period? What will you do after consolidation of corporations? What is the capital investment for education? I want you to consider it!

M&Aに減税措置をして内部留保金の活用をインセンティブとして行うのは、ベターだが、持続性は？期間を限定した方がいい？法人の統合集約後はどうするのか？教育の設備投資は？まで検討してもらいたい！

About once in 100 years, the government can distribute an extreme heavy tax to all citizens and distribute them to all citizens with basic income.

１００年に一回くらい、行政府が極端な重税を全ての国民にかけてベーシックインカムで全ての国民に所得再分配して、システマティックに創造的破壊をすれば国家単位の債務の返済を相殺できる！

In addition, corporations can be natural and people can improve their living standards! It's an extreme argument, but what if we consider it and simulate it?

さらに、法人も自然淘汰できて庶民も生活水準を向上できる！極論だが、これで検討してシュミレーションしてみたらどうだろうか？

You can avoid festivals by the release of anger and wars by civilization conflicts in the Rojekaiyowa war theory, and you can wipe out populism. It looks like a bank stress test!

ロジェカイヨワ戦争論で言う怒りの解放による祝祭や文明の衝突による戦争も回避できるし、ポピュリズムも一掃できる。銀行のストレステストみたいなイメージです！

Really strong corporations will also be metabolized, and political ties and corruption will be wiped out. In addition, synthetic errors do not occur, and artificial dynamism occurs in planned and soft landings other than the presidential system.

真に強い法人も新陳代謝されていく方向になり、政治的なしがらみ、腐敗も一掃？また、合成の誤謬も起こらず、大統領制以外で人工のダイナミズムが計画的、ソフトランディングに発生する。

By the way, if you do not have a safety net called basic income, you will fall into a hard landing.

ちなみに、ベーシックインカムというセーフティネットが無いとハードランディングに陥ります。

That's more if Scandinavia is building a similar system that can be expanded to take into account population size in the billions and synthesis errors. Scandinavian Communism? Soviet communism? Chinese Communism? There are various types, Communism 2.0, Socialism 2.0?

北欧が似たようなシステムを構築しており、それを拡張させて、億単位の人口規模や合成の誤謬を考慮にいれると以上になる。北欧型共産主義？ソビエト型共産主義？中国型共産主義？様々なタイプがあり、共産主義2.0、社会主義2.0？

What will be the resources of social security that will increase in the future? The following five methods can be considered.

今後、増える社会保障の財源はどうするのだろうか？その方法としては、次の5つが考えられる。

1. Extreme increase in corporate tax. 2. Reinforcement of income tax extreme progress. 3. Extreme increase in social insurance premiums. 4. Extreme tax increase of inheritance tax. 5. Extreme increase in government bonds. If done individually, domestic corporations will move overseas.

1、法人税の極端な増税。2、所得税の極端な累進性強化。3、社会保険料の極端な増税。4、相続税の極端な増税。5、国債の極端な増発。 個別に行うと国内法人は海外に移転してしまう。

But all done at the same time. If you use this as a source of basic income and benefit every year in digital currency (money with a time limit that is refunded at the end of the year for only one year), it will be returned to all corporations in one year, so wages will rise, and composition errors will not occur. It doesn't become a thrift paradox.

しかし、すべて同時に行い。これをベーシックインカムの原資にして毎年、デジタル通貨(一年のみ年末返金する期限付き貨幣)で給付したら、一年で全法人に還流されるため、賃金も上がり、合成の誤謬は、起こらず、倹約のパラドックスにならない。

Consumption tax is called tax savings and cannot be deliberately manipulated like corporate tax. The safety net will be strengthened by making payments with a fixed-denomination currency that is refunded only at the end of the year.

消費税は、節税と称し法人税みたいに意図的に下方操作できないので維持して税率は下げていく方向に普通の法定通貨で運用しつつ、同時に、上記のベーシックインカムを毎年、デジタル通貨(一年のみ年末返金する期限付き貨幣)で給付することにしてセーフティネットを強化する。

Again, Basic Income takes into account the premise of adding to current social security! To prevent errors in synthesizing due to enclosure of corporations by providing benefits in digital currency (money with a time limit that is refunded at the end of the year only)

再び言うが、ベーシックインカムは、現在の社会保障にプラスしていくことを前提条件として考慮しています！デジタル通貨(一年のみ年末返金する期限付き貨幣)で給付することで法人の囲い込みによる合成の誤謬を抑止するため

（合成の誤謬について）

合成の誤謬とは、ミクロの視点では正しいことでも、それが、合成されたマクロ（集計量）の世界では、必ずしも意図しない結果が生じること。物理学では、相転移みたいな現象です。性質が変わってしまうということ。

ミクロのメカニズムが個人同士の経済における仕組みであるのに対して、マクロのメカニズムは、国家間や経済全体の循環における仕組��だからである。

例えば、家計の貯蓄などがよく登場するが悪い例えです。前提条件が、所得が一定の場合！！所得が一定じゃない増加する場合は？これは、論じていませんので参考になりません！！（法人が提供する製品やサービスの価格も一定の場合も前提条件です）

１９３０年代のアメリカ経済が金融危機2008と似たような状態に陥った時、ケインズは、「倹約のパラドックス」というケインズ経済学の法則を発見しています。

それは、ポール・Ａ・サミュエルソン(1915-2009)が、近代経済学の教科書「経済学」の冒頭で「個人を富裕にする貯金は、経済全体を貧困にする！（所得が一定の場合）」というわかりやすい言葉で表現しました。しかし、庶民の所得が増加し、貯蓄が投資、消費に回る場合には、「倹約のパラドックス」は生じません。

その後、この「倹約のパラドックス」は、アメリカの経済学者・ケネス・Ｊ・アロー(1921- )が「合成の誤謬」を数学的論理に基づいて「個人個人がそれぞれ合理的選択をしても、社会システム全体は合理的選択をするとは限らない」を検証してみせた。 要するに、部分最適ではなく、全体最適させていくということ。

つまり、新産業でイノベーションが起きるとゲーム理論でいうところのプラスサムになるから既存の産業との 戦争に発展しないため共存関係を構築できるメリットがあります。デフレスパイラルも予防できる？人間の限界を超えてることが前提だけど

しかし、独占禁止法を軽視してるわけではありませんので、既存産業の戦争を避けるため新産業だけの限定で限界を超えてください！ということに集約していきます。

なお、金融危機2008では、マイケル・メトカルフェも言うように、「特別資金引出権（SDR）」は、2008年に行われた緊急対策で、一国だけで行われたのではなく、驚くほど足並みの揃った協調の下に国際通貨基金（IMF）を構成する188ヶ国が各国通貨で総額2500億ドル相当を「特別資金引出権（SDR）」を用いて世界中の準備通貨を潤沢にする目的で増刷してます。

このアイデアの根本は、元FRB議長であったベンバーナンキの書籍「大恐慌論」です。この研究がなければ、誰一人として、変動相場制での当時の状況を改善し解決できなかったと言われています。

それ以前では、固定相場制でのマーシャルプランが有名です。

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