#but education costs money and takes efforts and i dont know what to do

[anaalnathrakhs]

i'm going to be honest i have no idea what i'm going to do. i messed up my choices for higher education and now i have barely a couple days to pick between a cursus way too difficult for me, a highly specialized cursus with shit outcomes, and a leap of faith into whatever kind of gap year alternative can get me out of my parents' hair for the time being. note how i have no fucking idea what that alternative could be, or what path i'd like to take ideally. fun.

[sophocused]

uni recap 2019

I think it's really important for young studyblrs still in high school or junior high to be exposed to more detailed and honest uni experience anecdotes, so buckle up because it’s about to get real honest and a little personal in here.

I'm in the middle of the fall term of my second uni year, technically now in the 2nd year of my general B.Sc. and I need to start from the beginning a little bit, especially when it comes to my academic journey so far.

Let's start with junior high, when adults always want to ask what you want to be when you grow up. After going to a career symposium with friends, a field trip run by the school, that's when I heard about the College of Pharmacy at the "top" university of the province.

First thing that attracted me was that they make an annual $100k a year, and to my 14 year old impressionable mind that was convinced that my future had to revolve around making bank, I decided from there that I would work towards the end goal of becoming a pharmacist.

I was convinced that pharmacy was the ultimate goal to get my life going, as a real functioning adult of society.

Fortunately, I was wrong. It was a hard pill to swallow, but a necessary one nonetheless.

Since this is an academic recap, I won't bring up the mental health and physical health bits of the last eight years of my life, I'll fastforward to high school senior year, when I decided I would (as a minimal effort-get straight A's student) actually TRY in my studies again. It was because my work ethic had grown to a point that when I didn't try and still got a B or A, I was scared of the moment I would actually try and then not get an A or A+. I wanted to fight that fear of realizing that I'm not "effortlessly good at thngs" because I didnt want to have a fear of failure.

(Disclaimer: it's been three years since then and I'm still a work in progress when it comes to my relationship with failures but it is getting consistently healthier, despite bumps)

Thus, I started this studyblr three years ago, June 30th 2016 I believe?? My url was chemystery for the first few days but sophocused came up because of sophocles (not that hes my fave philosopher or anything) it just stuck ANYWAY IM GETTING DISTRACTED

So I actually tried in my last year of high school, worked hard and got A's in physics, pre-calculus, and AP chemistry. The AP chemistry came with a provincial exam, that in getting a score of 4, granted me a $150 reward, and the grade of a B in two university courses (2 chem prerequisites)

I was a fool and no one exactly explained to me that those 2 courses were even harder when taught through uni, because I really wasted nearly $1000 in taking those two courses again in my first year of uni, in hopes of turning them into A's.

I should probably mention that going into uni, the pharmacy program had 2 chem, 2 bio, 1 calc, 1 written course, and 2 electives, as prerequisites. My innocent mind, thinking it wouldn't be a big deal, registered for a full five and five course load, so that I could finish all my prerequisites within my first year of uni, and apply for the college of pharmacy by March. (Back then, it was still a Bachelor's program where selection process depended on your AGPA, and your mark on a written critical skills essay)

I learned the hard way that for university, it is a mentally and emotionally laborious task to try and juggle five classes, having to hold yourself accountable when it comes to attendance and figuring out what notes you want to take. There's no way to write physical hand-written notes for five courses (not for me anyway).

It was incredibly fast-paced as well, and I had many days where I just didn't want to get out of bed. I was so conflicted with my perfectionist mindset, and the pressure to get a 4.0 GPA that I spread myself so thin and honestly it was one of the most difficult years of my life. I still got out with 8 B's and 2 A's by the end of my first year. I was ashamed of those B's.

When it came to applying for pharmacy however, despite the grades I got, my GPA didn't make it to the minimum 3.50 needed to be applicable for pharmacy, but I got my transcript a month after I had already applied for pharmacy and I had even done the written exam.

I had to face my first big failure which was getting the email that they couldnt even look over or consider my application because my GPA did not reach the minimum required.

On top of that, I learned that I could not just simply try again the next year. This was because suddenly, the university decided they were going to change the Bachelors pharmacy program into a PharmD. A doctorate. To me, that meant they added eight more prerequisites (even more difficult uni courses with chem and human phys), and a required PCAT score. We also were not allowed to apply until Fall 2020. That meant, I now suddenly had no plan for my academic career for the next two years because I had really only ever thought about getting into pharmacy on the first try.

After a breakdown or two last year upon processing this, I had made the decision and talked to my parents about trying for it again, and doing the new prerequisites. This brought in the new mental turmoil of money on my mind during my summer after first year of uni, thousands of dollars this would cost, suddenly having no routine for four months after working at max brain capacity for 6 months.

My 2nd year of uni, fall 2018, a lot of growing had happened, a lot of processing of failure happened, just. a lot. happened.

October 2018, I got a job at a school, so I really juggled my school stuff with work. Five days a week, I would be up at 6-7am and then get home around 6:30pm, while doing human physiology, organic chemistry 1, an eastern religions elective, and an intro to statistics course.

long story short, yes I must spare you the details of the process of it all because it got pretty sad. That was my worst uni term, ending with 1 B, 1 C+, 1 C, and an F in organic chem.

My first F in university. My first F ever in my entire school life. It was a begrudging blow at my mental state, and I spent two to three weeks devastated. I dont know how I got out of it, I think one day I just said to myself, "Okay you got an F, but did you die?"

Honestly, the humour in that really cheered me up, among other things, and the emotional support I got from my older sister, and by the time I got into the 2nd half of my uni year (right now), I have discovered I potentially have a calling to become a teacher or to work in the lab as a technician.

Most importantly, most if not all of the credits I've earned, are also applicable to get into the Faculty of Education. Basically, I came to peace with having options, and digging deep into myself to really find the thing that I could really see myself doing based on my personality and interests, not just on the money and the rush of finishing school.

I just finished the longest midterm season of winter 2019, with my first midterm being early February and my last midterm + essay deadline on March 15th... I did well. I did well in trying to really take care of myself while trying to go to every class and trying to work hard as much as I could everyday. I think out of my many midterms, I got 1 A, 4 B's, and a C. These are all salvageable. I do still really want to keep working towards a 4.5 GPA but now I'm okay if that doesnt always turn out to be what I get.

Anyway I finally get to write something like this because I've been busy for the past month, a lot of things happened again in the midst of it all, but I'm still okay. I get a week to rest before my lab exam and then it's finals season.

This time, I'll try hard not to just let my life pass me by, with only ever school and academics in mind, I had gotten really sad these past few weeks, and I'm usually good at being my own antidote for that, but I really got to a point where I felt I had no strength to pick myself back up.

Last night I said "fuck it" and decided to go to my cousin's house who I hadn't seen in over a month to spend time with them instead of working on my 30% essay due midnight. Before I was so desperate to finish it, terrified of the 2% deduction per day it would be late, but after crying on the bus, I had had enough of letting my academics bring this much weight on my mental health. After spending four hours with my cousins and aunt, I came home to my mom, and I watched a two hour movie with her.

I didn't regret it one bit. I felt better than I had in a long, long while.

Now, this Friday, my grandma and other cousin are flying in, and I cant wait to just keep healing.

Thank you for reading, or scanning over, I hope you got something good out of this, as I am telling this story both for my sake, and for other students’ who might commonly find themselves in the same boat. I believe in you.

[hattpharnetoon1973-blog]

I was seconded to pal care for a month and came across these "catastrophic order" for huge doses of morphine and other medications. I questioned it and it was explained to me that he was expected to die in a very distressing manner once the breakdown got to his major veins and arteries in his neck. It was expected that he would bleed out with nothing staff could do.. But, it not as simple as sending four images that your brain composites. That still too much information. Instead, the cones and rods are wired together in such a way that they compare their results in order for your optic nerves to figure out what colors are actually being seen. Last interesting fact: Tati spent $500 while James spent $177 on five productsI sister shook by Jame knowledge, but I fear he may have oversimplified it. I commend his efforts in educating himself, and it might be that he just doesn have the full picture. Yes, brands have millions in advertising budget, but only they know how they allocate it. I wish she was three months old and in my lap right now. Instead I became a licensed foster parent. It helps, but it's not the same.. In 2008 banks sold something called a "CDO" based on housing mortgages. Banks failed to (or chose not to) properly asses how risky they were. Since the mortgage market was booming, they continued to sell these and regardless of risk because they were making so much money off of it. Sexy, dark, warm, and musky. A little bit masculine but in the best way.Wet wild dewy face primer: left a nice dewy finish under makeup but clogged pores : /Ilia eye primer: barely got to try it, but thought it worked well. Purchased because it is a non toxic product.Soap glory peach pout: hated this on its own it was super streaky. Also evergreen with dark green flowers year round. Pink flowers form on tall spikes. Form a continuous border by planting about 18 inches apart.. Furthermore, we dont know if they have their own seperate animal farms where animals are only raised and kept for their hair and allowed to retire, or if they work with some fur farms or other animal 포천출장안마 industries that kill the animals. I personally am not comfortable giving money to any industry that raises animals to use and kill them ( with the exception of medicine and research). Unfortunately many people don have the energy or extra money after supporting themselves (and usually families) to eat vegan or buy ethically sources food and clothing etc. Wearing a soft brown pencil smudging it on my top lash line instead of wearing black liner everyday. Looks so much sexier prettier, more flattering on my smaller eyes. I can always make it more heavier if I want to look more made up when I do want to add black liner 포천출장안마 to it it makes more of an impact.. If they're paying 18%, they'd have to pay about $600 a month to repay that debt in less than 15 months, and they'd pay about $750 in interest over that time frame. If this family transferred a balance to the Chase Slate card instead, they'd pay no interest on the debt permanently saving the $750 in interest charges. Better yet, the cost of repayment drops, allowing them to spend just $500 a month to repay the debt in 14 months. They are preserved and interpreted for the public. Additional property was being added to the monument site to expand its protection of these unique resources. Other important sites are found at the Mines of Spain State Recreation Area and the Toolesboro Indian Mounds National Historic Landmark.. Nothing wrong, we will just take an Uber or walk to the nearest bar, right? WRONG. My stumbling drunk sister had the brilliant idea of "lets drive to a nearby bar". She wouldn listen to reason, so I had to take her keys.

[deans-asscot]

This just seems like 2 extreme ends of the same argument. How is the assumption that all books are sexist and written by old white guys any different from the assumption that all fanfiction is smutty and not deep? I also hate the term "real literature" here, just cuz something isn't published doesnt make it not real? Are we also ignoring the elitist take on all this? One of the biggest things that keeps me from reading is money and time. Books cost money, even ebooks. The only way to get them free is free ebooks (which usually don't have what you're looking for) and the library, which lets be honest is a dying breed. It takes time and effort to go to the library, assuming you have a mode of transportation, then you have a limited time to read said book before having to return again to the library. Another option is through illegal pdf downloads, which also takes time to find a good safe website, and some ppl are morally opposed to that. With all these obstacles why wouldn't someone fall back onto the comfort of fanfic which is free, and easy to access whenever they want? Plus they include characters they already know and love, it can be a comfort to people.

I work in education and I honestly do not give a fuck how or what you read, as long as you do it. The difference between high schoolers who read anything and those that don't is like night and day. Besides, reading fanfiction can be a great introduction to reading for people who have trouble with it. You don't have to commit to long chapters if you dont want to.

I can't tell if this post is meant to hate on fanfiction or simply hate on those who have a strong preference to fanfiction over books, but it comes off as both through the unnecessary hostility. Perhaps I've misunderstood, but again too extreme sides is how it looks. This is coming from someone that doesn't read fanfiction, it ain't my thing, I do prefer books but I respect others' preferences.

If you say shit like “ugh actual books are sooo sexist why would I read them when I can read my sexy smutty fanfic” and you’re over the age of 20 I hope you get mauled to death by tigers. I hope you get drip fed hydrofluoric acid. And if you say shit like “fanfic is soooo much more profound than actual books” I hope you get tied to four horses and pulled in opposite directions. From the bottom of my heart.

[patriotsnet]

Are Republicans Trying To Cut Social Security

New Post has been published on https://www.patriotsnet.com/are-republicans-trying-to-cut-social-security/

Are Republicans Trying To Cut Social Security

The Republican Record On Social Security

Huff Post Reporter: Biden’s documented history of trying to cut social security

1935: Almost all Republicans in Congress oppose the creation of Social Security.

1939: 75 percent of Republicans in Senate try to kill legislation providing Social Security benefits to dependents and survivors as well as retired workers.

1950: 79 percent of House and 89 percent of Senate Republicans vote against disability insurance to defeat it.

1956: 86 percent of Republicans in Senate oppose disability insurance; program approved nonetheless.

1964: Republican presidential candidate Barry Goldwater and future president Ronald Reagan both suggest that Social Security be made voluntary.

1965: 93 percent of Republicans in House and 62 percent in Senate vote to kill Medicare.

1977: 58 percent of Senate votes against amendment to provide semiannual increases.

1977: 88 percent of Republicans in House and 63 percent in Senate vote against an increase in Social Security payroll tax needed to keep the system solvent.

1981: President Reagan proposes $35 billion in Social Security cuts over the next 5 years. The cuts would have included the elimination of student benefits, lump-sum death benefits, and a retroactive elimination of the $122 minimum benefit for three million recipients.

1981: Reagan administration begins a wholesale review of the Social Security Disability rolls, resulting in over 560,000 eligibility investigations in 1982 360,000 more than the year before. Ultimately, at least 106,000 families were removed from the rolls.

Republicans Aren’t Going To Take Away Social Security

Without beating around the bush, the Republican Party is often associated as being the party of the well-to-do — and the rich typically aren’t reliant in any way on Social Security income. There’s, therefore, been a long-running belief that Republicans would aim to do away with Social Security sometime in the future. This is nothing more than another in a long line of pervasive Social Security myths.

Both Democrat and Republican lawmakers on Capitol Hill have an understanding of the importance that Social Security plays in keeping some 22 million people currently receiving benefits above the federal poverty line. Though both parties may have suggested tweaking how revenue is generated for the program, neither party would remove or replace any of the three funding sources: the payroll tax on earned income, the taxation of benefits, and interest income on the program’s asset reserves.

In other words, no Republican is going to advocate scraping Social Security. And even if they did, the idea would have no chance of gaining traction in Congress.

The Average Retired Worker Benefit Could Be Cut By More Than $4300 In Less Than 15 Years

The good news, if there’s a silver lining to pull out of this mess for seniors and future retirees, is that Social Security won’t be bankrupt, even if Congress fails to act. Two of Social Security’s three sources of funding — the 12.4% payroll tax on earned income and the taxation of benefits — are recurring sources of revenue. As long as the American public continues to work, money will be flowing into the Social Security program for disbursement to eligible beneficiaries.

On the other hand, no money left in asset reserves would mean that the existing payout schedule, inclusive of cost-of-living adjustments, would no longer be sustainable. Translation: Benefit cuts would be necessary to maintain Social Security’s solvency for decades to come.

According to the latest Trustees report, the Old-Age and Survivors Insurance Trust would only be able to pay 76% of scheduled benefits once its coffers are cleaned out. Put another way, it means retired workers and survivors could face an across-the-board benefit cut of 24% by 2035.

Now, think about this for a moment. In May 2020, the Social Security Administration published data showing that the average retired worker was bringing home $1,512.63 a month. That’s $18,151.56 a year for the typical retiree. A 24% benefit cut would, in May 2020 dollars, equate to a benefit cut of $4,356 a year. That’s terrifying when you consider that 62% of retired workers rely on their monthly payout to account for at least half of their income.

Don’t Miss: Democrats More Educated Than Republicans

The Average Retired Worker Could Be Taking Home A Lot Less From Social Security In 15 Years

This has been a challenging year in so many respects for the American public. The COVID-19 pandemic has completely changed the way we interact with one another, and its displaced more than 20 million workers. If youre an investor, you were also taken on a wild ride, with the stock market packing about 10 years worth of volatility into a period of four months. And dont even get me started about the murder hornets.

But one of the few solaces working Americans have always been able to take is the idea that, if they earn 40 lifetime work credits, a Social Security benefit will be waiting for them when they retire.

The Social Security program has navigated through 13 recessions prior to the COVID-19 pandemic. Despite some obviously grim outlooks during those previous recessions, youll note that Social Security is still here, and its been paying continuous retired-worker benefits for more than 80 years. This is why its often referred to as Americas most successful social program.

But just because its been a historically successful program doesnt mean its necessarily in great shape to service future generations of retirees.

What You Should Know About The Gop And Social Security

Who’s to blame for this mess? Well, some Americans would point their fingers specifically at Republicans in Congress. While they absolutely do take some of the blame, the inaction by Republicans and Democrats on Capitol Hill makes them equally culpable in exacerbating Social Security’s problems.

When it comes to Republicans and Social Security, here are the four things you absolutely need to know.

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With A Potential Debt Ceiling Increase Afoot Liberals Brace For Obama To Once Again Push For Social Security Cuts

Paul Ryans Wednesday Wall Street Journalop-ed was perhaps the starkest sign of a striking shift: a government shutdown and debt ceiling showdown pitched by Tea Party members to be about blocking Obamacare is being framed by GOP leaders as a push towards entitlement reform. In Wednesday interviews, leaders of liberal groups commended the presidents consistent insistence on not offering new budget concessions in exchange for reopening the government or averting debt default. But they pledged an all-out effort to defeat Social Security or Medicare cuts if Obama offers them once again after the default threat is delayed. GOP leaders push for a six-week debt ceiling increase suggests that moment could come very soon.

Charles Chamberlain, who directs the Dean campaign offshoot Democracy For America, told Salon that it would be a huge mistake for Obama to once again push the Social Security cut called chained CPI, and the president would face a gigantic amount of opposition from progressives nationwide if he did. Still, said Chamberlain, he put her on the table once before. I dont think hes going to take it off.

Meanwhile, the presidents support appears to have tempered opposition to Social Security cuts within the Democratic Caucus. A work-in-progress whip count from Social Security Works so far counts a dozen Democrats in the Senate and 46 in the House whose statements suggest they would oppose any deal including chained CPI .

They Haven’t Taken A Dime From The Social Security Program That Isn’t Accounted For

Another misconception is that the Republican Party stole money from the Social Security Trust and used it to fund wars. More specifically, Ronald Reagan, George H.W. Bush, and George W. Bush have come under intense scrutiny for borrowing from Social Security and “not putting the money back.”

However, the truth of the matter is that Congress has been able to “borrow” Social Security’s excess cash for five decades, and it’s happened under every single president over that stretch. In fact, the Social Security Administration is required by law to purchase special-issue bonds and certificates of indebtedness with this excess cash. Please note the emphasis on “required by law” that I’ve added above. The federal government isn’t simply going to sit on this excess cash it borrows from Social Security. It’s spending this cash on various line items, which may be wars and the defense budget, as well as education, healthcare, and pretty much any other expenditure you can think of.

This setup is actually a win-win for both parties. The federal government has a relatively liquid source of borrowing with the Social Security Trust, and the Trust is able to generate significant annual income from the interest it earns on its loans. Last year, $85.1 billion of the $996.6 billion that was generated by the program came from interest income.

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Trump Keeps Proposing Entitlement Cuts And Then Denying That He Did So

In 2015 and 16, Trump differentiated himself from the rest of the Republican presidential hopefuls by campaigning on a vow to not cut entitlements.

Im not going to cut Social Security like every other Republican and Im not going to cut Medicare or Medicaid, Trump told the Daily Signal, a conservative publication affiliated with the Heritage Foundation, in 2015.

As his budget proposals indicate, this promise was an empty one. Trump, however, seems to realize that cutting entitlements is a political loser for him, and as a result has continued to make assertions about preserving them that are at odds with reality.

All Republicans support people with pre-existing conditions, and if they dont, they will after I speak to them. I am in total support. Also, Democrats will destroy your Medicare, and I will keep it healthy and well!

Donald J. Trump

Last month, however, Trump seemed to have a moment of radical honesty when he told CNBC during an interview conducted in Davos that at some point entitlement cuts will be on the table.

CNBC: Will entitlements ever be on your plate ?TRUMP: “At some point they will be”CNBC: But you said you wouldn’t do that in the pastTRUMP: “We also have assets that we never had”

Aaron Rupar

Those comments created a negative stir, so the very next day Trump tried to walk them back.

Democrats are going to destroy your Social Security. I have totally left it alone, as promised, and will save it!

Donald J. Trump

Democrats Have Already Signaled Trumps Budget Is Going Nowhere

Trump Vows To Protect Social Security, Medicare & Medicaid

While Trump tries to have it both ways by proposing entitlement cuts while claiming hes not really doing that, Treasury Department spokesperson Monica Crowley was somewhat more straightforward during a Monday morning appearance on Fox Business.

Asked by host Stuart Varney if she agrees that the new budget hits the safety net, Crowley said the president understands that Washingtons habit of out of control spending without consequence has to be stopped.

Treasury Secretary Assistant Sec. Monica Crowley defends cuts to entitlements in Trumps new 2021 budget proposal: The president also understands that Washingtons habit of out of control spending without consequence has to be stopped.

Aaron Rupar

But for Trump, not all spending is bad. While his budget cuts non-defense spending by 5 percent, he actually slates defense spending for an increase to $740.5 billion for fiscal year 2021.

Budget proposals are just that proposals. And while Trump insists that Republicans are the ones trying to save entitlements from destruction, the irony is that the truth is exactly the opposite: Entitlement cuts are dead on arrival as long as Democrats control a chamber of Congress.

Related

House Budget Committee Chair John Yarmuth alluded to this reality in a statement he released on Sunday blasting Trump for proposing deep cuts to critical programs that help American families.

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Is The Gop Really Trying To Do Away With Social Security

Social Security is unquestionably the nation’s most important social program, with more than three out of five current retired workers leaning on it to account for at least half of their monthly income. Yet, this crucial program is on shaky ground, with the latest annual report from the Social Security Board of Trustees painting a grim intermediate- and long-term picture for the program.

According to the report, Social Security is facing an inflection point this year. For the first time since 1982, aggregate expenditures, which almost entirely includes benefits, but also takes into account administrative expenses and Railroad Retirement exchange contributions, will exceed revenue generated. Although the net cash outflow is only estimated at $1.7 billion, which is relative peanuts when compared to the $2.89 trillion currently in asset reserves, it’s a conclusive sign that the existing payout schedule isn’t sustainable.

Things begin to get really dicey in 2020 and beyond. Beginning at the turn of the decade, ongoing demographic shifts are expected to cause the net cash outflow to balloon. By 2034, following 16 years of outflows, the $2.89 trillion in excess cash is expected to be completely gone. Should this happen, Social Security would survive, but payouts to then-current and future retirees could be cut by up to 21%. That’s not a pleasant forecast given the noted reliance of seniors on the program.

Meet The New Gop Plan To End Medicare Same As The Old Gop Plan To End Medicare

We here in the Democratic Whip Press shop will give Republicans credit for their transparency. They are not even trying to hide the fact that their Cut, Cap and End Medicare bill would end the programs guarantee.

Republican Study Committee Chairman Jim Jordan said yesterday the plan basically mirrors the budget proposal that the House passed this year.

That would be the same Republican budget proposal that ends the Medicare guarantee and more than doubles heath care costs for seniors, all while preserving tax breaks for the wealthy.

And the Republican Cut, Cap and End Medicare plan is no different.

But dont just take our word for it. According to theCenter on Budget and Policy Priorities, the measure:

stands out as one of the most ideologically extreme pieces of major budget legislation to come before Congress in years, if not decades.

The legislation would inexorably subject Social Security and Medicare to deep reductions.

In addition, the extreme and draconian Republican proposal would reverse decades of precedent that exempt cuts to basic services for the most vulnerable among us. More from the CBPP:

Since the Gramm-Rudman-Hollings law of 1985, all such laws have exempted the core basic assistance programs for the poorest Americans from such across-the-board cuts. Cut, Cap, and Balance, by contrast, specifically subjects all such programs to across-the-board cuts if its spending caps would be exceeded.

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Republicans Will Cut Social Security And Medicare After Tax Plan Passes Says Marco Rubio

Update | Florida Senator Marco Rubio admits that the Republican tax cut plan, which benefits corporations and the wealthy, will require cuts to Social Security and Medicare to pay for it.

To address the federal deficit, which will grow by at least $1 trillion if the tax plan passes, Congress will need to cut entitlement programs such as Social Security, Rubio told reporters this week. Advocates for the elderly and the poor have warned that entitlement programs would be on the chopping block, but this is the first time a prominent Republican has backed their claims.

Expect all the guests on the Sunday shows to be Republicans explaining how they now have no choice but to slash Social Security & Medicare because the deficit has suddenly and mysteriously gotten much worse.

Bruce “Snarking and Barking” Bartlett

“You have got to generate economic growth because growth generates revenue,” Rubio said at a Politico conference. “But you also have to bring spending under control. And not discretionary spending. That isn’t the driver of our debt. The driver of our debt is the structure of Social Security and Medicare for future beneficiaries.”

Rubio’s talk of structural change is vague but will likely include changing the rate and age of Social Security and Medicare payouts.

So where does that money come from?

Senate Finance Committee Chair Orrin Hatch said Thursday that “liberal programs” for the poor were wasting Americans’ money.

The Political Outlook For Social Security Reforms

But the Biden administration and its Congressional allies are instead focused on threading the political needle for an ambitious $3.5 trillion infrastructure spending package, while also dealing with the fallout from the chaotic withdrawal from Afghanistan.

Leading Republican legislators have called for so-called entitlement reform , but that’s a tough sell in the current ;Democratically controlled Congress.

“Does the report mean the timetable argues for real concrete action on Social Security? Probably not. Will it revive the rhetoric that the sky is falling? Sure,” says Robert Blancato, national coordinator of the Elder Justice Coalition advocacy group, president of Matz Blancato and Associates and a 2016 Next Avenue Influencer in Aging.

The issue over how best to restore financial solvency to Social Security isn’t going away. That’s because the program is fundamental to the economic security of retired Americans. Social Security currently pays benefits to 49 million retired workers and dependents of retired workers .

However, the tenor of the longer-term solvency discussion has significantly changed in recent years.

To be sure, a number of leading Republicans still want to cut Social Security retirement benefits to reduce the impending shortfall. Their latest maneuver is what’s known as The TRUST Act, sponsored by Utah Sen. Mitt Romney.

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Democrats Urged To Reject Latest Gop Attempt To Hold Social Security ‘hostage’

Republican Sen. Lindsey Graham on Wednesday said he would be willing to vote to raise the federal debt ceiling in exchange for a policy that could result in cuts to Social Security and Medicare, a proposed trade-off that progressive advocacy groups implored Democrats to reject.

“Fortunately, Democrats can protect Social Security and Medicare by raising the debt ceiling in the forthcoming reconciliation package.”Alex Lawson, Social Security Works

With members of Congress staring down an to increase the debt limitthe amount of money the federal government is legally permitted to borrow to meet its financial obligationsGraham toldBloomberg that he could bring himself to vote yes on a debt ceiling hike if Democrats agree to legislation establishing commissions tasked with crafting Social Security and Medicare “reforms.”

But Social Security Works, a progressive advocacy organization, was quick to warn that Graham’s offer is a thinly veiled trap.

“Lindsey Graham and his fellow Republicans will stop at nothing to cut the American people’s earned Social Security and Medicare benefits,” Alex Lawson, executive director of Social Security Works, said in a statement. “Graham has now telegraphed his party’s intention to demand a commission to cut Social Security and Medicare as the price for raising the debt ceiling.”

Social Security Works and other groups warned at the time that the proposal was nothing more than “a plot to gut Social Security behind closed doors.”

[identybeautynet]

Doctors suggest you don’t take your beauty tips from TikTok

Doctors suggest you dont take your beauty tips from TikTok “I always know when something is trending on TikTok because I’ll have an influx of patients coming in and asking me about the same thing,” says Dr Niket Sonpal, a gastroenterologist. Most of the time, that “thing” is a beauty or wellness tip that’s gone viral on the video-sharing platform, without evidence that it actually works. The advice may be ineffective or outright dangerous, from drinking chlorophyll to induce weight loss, to using sunscreen only in select areas to “naturally” contour your face. “We talk about TikTok all the time in my office,” says Dr Dendy Engelman, a dermatologist and cosmetic surgeon, “and I think it might be worse than other platforms because people are really looking to create content with that wow factor, the thing that will go viral, even if it’s not grounded in science.” It’s not surprising that the app that brought us the “Benadryl challenge” (taking large doses of the antihistamine to induce hallucinations) and “the Everclear test” (doing shots of the high-proof alcohol) is not a fount of doctor-approved beauty guidance. But many consumers throw reason and caution to the wind when faced with these trends, underscoring a growing subversion of authority in which an influencer’s word is replacing that of experts. “It’s funny because patients are often so timid in our office about trying treatments,” Engelman says. “But when they see something done on Instagram from an 18-year-old influencer, they’re like, ‘Sure!’” What not to try at home Compiling an exhaustive list of TikTok’s bad beauty advice is next to impossible because the content on the platform seems to multiply in step with our increasingly short attention spans and insatiable craving for the new. But a few trends that have dominated the platform of late are especially mind-boggling to doctors. If people are seeing ‘results’ from drinking chlorophyll, it’s likely because they’re drinking more water than normal, so their skin is getting better and their bathroom trips are more regular Dr Niket Sonpal Take “slugging,” a TikTok trend advising people to sleep with a thick layer of Vaseline on their face to aid hydration. Videos with the hashtag have 14.4 million views on the platform, and the trend has been promoted by influencers like Hyram Yarbro and Cait Kiernan. But dermatologists warn that it can have adverse effects on your skin. “Putting an occlusive on your skin and letting it sit overnight sets you up for exacerbating clogged pores and breakouts,” Engelman says. Then there’s the “sunscreen contouring”, which dermatologist Dr Neera Nathan heard about, to her horror, from one of her patients. Some influencers have advised people tired of contouring their faces with makeup to use a thick sunscreen with high SPF, applying it only on the areas they want to highlight, like the top of the cheekbones and bridge of the nose. The rest of the face is left to tan (and burn), sunscreen free. It’s a tip that flies in the face of the American Academy of Dermatology’s recommendation that everyone wear a broad-spectrum SPF of at least 30 on any exposed skin. “We know that this is crucial to do from a very young age from both a skin cancer and anti-aging perspective, so the idea that these videos are suggesting otherwise to a very young audience is disturbing,” Nathan says. In April, drinking chlorophyll, which has had moments on other social media platforms, had a spike in interest on TikTok, driven by the endorsements of influencers like Amelie Zilber, according to Traackr, an influencer marketing platform. It has been called a “miracle product” that can increase energy levels, induce weight loss and clear up skin, but doctors say these claims are not backed by research. Drinking chlorophyll is one of the more harmless recommendations on TikTok, but it’s likely to be a waste of money. (Raw chlorophyll drops on Amazon cost about £15, on average.) “If people are seeing ‘results’ from drinking chlorophyll, it’s likely because they’re drinking more water than normal, so their skin is getting better and their bathroom trips are more regular,” Sonpal, the gastroenterologist, says. What trend do doctors really want to see left to the professionals? Microneedling, which involves puncturing the skin with tiny needles in an effort to generate new collagen. On TikTok, conversation around at-home microneedling grew in 2020 and is already experiencing five times more engagement in 2021, per Traackr, but experts say it’s incredibly risky to do at home. While some studies have shown that medical-grade microneedling can improve skin suppleness and lessen wrinkles, “it needs to be done in a really clean, safe setting,” Engelman says, pointing to the high risk of infection. “If you go hard enough on your skin, it can lead to colour change, textural change and scarring, essentially worsening what you’re trying to make look better, like fine lines and acne scars.” Viewer, beware Tilly Whitfeld, a reality TV star from Australia’s Big Brother, has learned firsthand just how dangerous beauty trends can be. After spending her time on the 24-hour surveillance-style show wearing clay face masks or heavy makeup, she was questioned by viewers about what she was hiding and confessed vaguely on Instagram in May that a TikTok beauty trend had damaged her skin. Whitfeld, 21, says by phone from Sydney that she hadn’t told anyone exactly what it was because she “knew” she would look like an idiot. Last August, she was browsing TikTok when she came across a video teaching people how to give themselves freckles using sewing needles and ink that were said to fade within six months. Since the video didn’t clarify what type of ink to get, she ordered brown tattoo ink she found on eBay, which she later discovered was a counterfeit product made with high levels of lead, and began pricking her face in a freckle pattern. “It didn’t hurt at all, so I didn’t think I should stop,” says Whitfeld, who went over the marks multiple times, as advised by the video’s creator. There weren’t any faux freckles, and her face swelled up from infection, which caused her to briefly lose sight in one eye, she says, and she now has scarring across her cheeks and nose. With nearly $12,000 already sunk into doctor’s visits, Whitfeld has yet to find a solution to correct the damage. Laser removal is apparently not an option because, doctors have told her, the ink she used will turn black rather than fade. “The main response has been that I’m stupid, and, yeah, I agree,” she says. For doctors, it’s a terrifying scenario. “You have a lot of people claiming to be experts who have no real consequences for giving really bad advice,” Sonpal says. Stories like Whitfeld’s have doctors hoping that the companies running these platforms will place disclaimers on beauty content stating that it’s unverified or dangerous to try at home, but they’re not holding their breath. In the meantime, they’d prefer that you reach out to, yes, a doctor, via appointment or direct message on social media, before putting your faith in a TikTok video. As Sonpal puts it, “We can counsel and educate you for more than 60 seconds.” Doctors suggest you don’t take your beauty tips from TikTok Read the full article

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5 life lessons I’ve learned from pulling teeth

Greetings from the sunny shores of Sydney! My name is Tyler and I am a dental student at the University of Sydney with less than a year to go until I am finished. Having been in school for a few years now, I’ve dabbled in all the dental disciplines. Though I’ve enjoyed endodontics (root canals) and prosthodontics (dentures and crowns), I have to say my favourite specialty is oral surgery so far.

While it is our last resort as dentists, sometimes an unsalvageable tooth requires an extraction and there’s something incredibly rewarding about removing an offending tooth, delivering this treatment pain-free and ultimately relieving the patient of discomfort at the end of the appointment. It is often one of the scariest things to have done to you, but I enjoy making the worst outcome a pleasant experience.

Today, I want to share with you some bite-sized lessons I’ve learned during my time spent in extraction clinics.

1. Do as you think, not as you’re told I’m not suggesting to be rebellious, I suppose a better way of saying that is to have a healthy dose of curiosity and objective skepticism.

I was once scheduled to extract a tooth from an older man whose hearing and English were not so good. Something didn’t add up as I was doing my tests: The tooth indicated on the notes to be removed was actually perfectly fine, which made me question whether I was somehow messing up my examination. That’s when I realized the radiograph was actually backwards—we were looking at a mirrored image of the x-ray, so essentially what we thought was the left side was actually the right. Someone wrote down the wrong tooth in the notes and it didn’t get picked up until I noticed it.

I always ask myself: Why should this tooth be removed? If I can agree, I continue. If I don’t, I question the instructions I’ve been given.

Even the best of us are prone to making mistakes, but that’s why it’s important to be judicious for even the most routine of decisions, especially when there’s no going back. Think twice, cut once!

2. Fake it ’til you make it No one ever feels truly confident starting something brand new. Anyone who tells you otherwise is either exceptionally gifted, a little bit delusional, or just straight-up lying. My extensive experiences as a kid pulling out my own baby teeth somehow did not prepare me adequately for the first few times I stepped up to my patient forceps in hand, about to pop out one of these chompers in our dental hospital’s exodontia clinic (exo = take out; dont = tooth).

If you didn’t know, the numbing “local anaesthetic” solution we give you only takes away the pain. But you still feel pressure… and the vibrations. The same kind of vibrations my patient is feeling as their head is rumbling as my forearms are visibly shaking from muscular fatigue as a result of gripping these instruments so hard trying to maintain the appropriate angulation, pressure, and technique as I’m coaxing this tooth out of the bony socket it’s called home for the last 50 years.

As I’m rehearsing in my head all the movements I need to do, memory runs wild trying to recall every bit of information I’ve learned to help me make it through the next few minutes as beads of sweat start trickling down my face like teardrops on Taylor’s guitar. I’m legitimately not even an anxious person, but in that moment, the panic is real. Not the most confidence-inspiring situation for the patient, let me tell you from second-hand experience. The seconds felt like minutes and the minutes felt like hours.

That was my first ever extraction, or an “exo” as we call it for short, and though it only lasted about 8 minutes, man oh man, it was the longest decade of my life. It didn’t help that my first-ever patient came in with dental anxiety, which made everything even more nerve-wracking from the start. But fortunately, every exo since then has been much better because I’ve learned that the patient panics when they see you panic. So the secret, whether you’re removing teeth, giving a speech, or coaching high school track kids (all true stories from my life by the way), is just pretending to know what you’re doing until you actually get there: Just fake it ’til you make it.

3. Plan for success but prepare for failure You have to have a plan. I always tell my patients that we need to do something called “treatment planning,” which is a fancy way of saying we need to take the entire first appointment to figure out where we’re were starting from and planning all the treatment they need to resolve their problems and fulfill their needs. It’s like planning a road trip with friends—you need to establish a roadmap of all the places we need to visit on our way to our dream destination. Yes, it’s important to hit all the tourist attractions, but there’s also necessary checkpoints like gas stations and Macca’s (Australian slang for McDonald’s) breaks if we want to survive the journey. It also doesn’t do anyone any good to set out without an idea of what direction you need to head in because driving fast in the wrong direction sets you back more than it propels you forward. Furthermore, despite our best intentions, things inevitably go wrong.

The reality of patient care (or life in general) is that almost nothing goes to plan. I am known in my cohort for being meticulous for my appointment plans. My treatments are always tailored to every individual patient with my procedures scheduled down to the minute. I take great pride in my preparation for clinics, and though I am getting much better at anticipating the unexpected twists and turns of healthcare, it’s not uncommon for appointments to not go to plan.

As you can imagine, there are a number of points during a surgical procedure where things can go wrong. The patient might fail to attend (FTA); the patient may have skipped their medications that day (resulting in excessively high blood pressure or blood sugar levels beyond what is safe to treat); maybe there’s a global pandemic shutting down the entire hospital for months on end. In short, you can’t do the procedure. Tough luck. The anaesthesia might not work (due to infection, due to natural resilience or desensitization due to drug use, due to operator error, due to accessory innervation). Maybe the tooth won’t come out; perhaps it’s trickier than the x-rays suggest. Maybe the roots flare too much, or perhaps the roots are ankylosed to the bone. And when you finally pull the tooth out, maybe a piece breaks off, or maybe a part of the floor of the maxillary sinus comes along with it and now you have an oroantral communication (OAC).

Of course, 💩 happens, but if you know the possible ways a plan can fall apart, you’ll be better prepared to handle things if and when that happens.

4. With great power comes great responsibility I think Uncle Ben said it best, but there’s an enormous amount of trust given to dentists because we’re specialists in a field and making judgment calls to proactively treat our patients. When this treatment comes with a high cost, there’s a natural tendency to question why a currently asymptomatic tooth requires preventative treatment when there’s nothing perceptibly wrong with it.

But there’s often a lot of problems we’re unaware of in our own mouths, and by the time you detect there’s something wrong (e.g., you’re experiencing pain or sensitivity or maybe you see/feel a hole in the tooth) it’s often far too late. In our quest in detecting and preventing problems, there is often a fine line between being reasonably cautious and overprescribing treatment. Even in student clinics, obviously there is no money involved, but I still try to educate my patients on why they need a filling replaced or a tooth removed.

Have you ever seen a radiograph of a tooth? Ever notice how the dentist always shows you this black and white image and explains it to you as though you can understand what’s going on? I really try to do my best to explain to my patients, but the reality is for a field that literally operates in black and white, we’re actually dealing in a lot of grey area. What one clinician may deem as being a cavity to drill and fill, a more conservative dentist may opt to wait and see. It’s a fine balance, one that I myself am trying to master. I strive to be the kind of dentist who is conservative, informative, and acting in the best interests for my patients as they can’t reliably decide for themselves what the best course of action is because they didn’t spend four years in dental school. I made myself a promise to do only what I think is needed and not more than what my patient requires—I promise to pull the tooth, the whole tooth, and nothing but the tooth.

5. Loss is a part of life Sometimes even despite our best intentions, things just don’t last. Whether we’re talking about relationships or our dentition, there comes a time when certain circumstances just don’t allow us to keep the things we hold dearest to our hearts (or our jaws). I’ve seen perfectly good teeth need removal just because of an unlucky accident. I’ve seen some pretty bad teeth hanging in long past their “expiry date.” There are always examples either way you look at it, but the reality is that we are doomed to lose that which we do not put the effort in to maintain.

Teeth are lost for a number of reasons, but the big ones are trauma, erosion, periodontal disease, and decay. These are natural processes for the most part, but they are indeed avoidable if only we put in a small effort every day to be diligent with good oral hygiene habits. Floss between your teeth before brushing. Brush your teeth twice a day (ideally 30 minutes after eating/drinking) and most importantly before going to bed. Use a fluoridated toothpaste. Spit—don’t rinse your toothpaste with water after brushing.

If you hate your dentist, do these three simple tricks to put them out of a job! It doesn’t take much, but for some reason, it takes a lot out of us at the end of a long day to invest just 5 minutes doing the simple stuff for our teeth. Missing a day here or there is not the end of the world, but missing a day here or there regularly, however, will indeed add up.

At some point, the teeth that have been neglected will come around to me to have to pull out in order to prevent further pain or infection. Prevention of the problem is always better (and less expensive) than treating the problem! By the time you notice there’s an issue, it’s generally getting to be too late.

Other things like watching what you eat (keep sugars and acidic foods/beverages low), snacking less, and drinking plenty of water will help save your teeth down the road. There are so many things we do on the daily that are bad for our teeth that the average person wouldn’t expect to have such drastic effects on our dentition… but we’ll save that info for another time.

OzTREKK Student Ambassador: Tyler Nguyen University: The University of Sydney Program: Doctor of Dental Medicine Follow Tyler on Instagram: @dmd.toothpics

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The Dow Crashes, Bitcoin Crashes | Hodler's Digest

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The Dow Crashes, Bitcoin Crashes | Hodler's Digest

The G20 met this week in Argentina amid mounting tensions between the U.S and China, who agreed on a temporary ceasefire regarding the trade war, leading gold to fall and the Dow to shoot up 288 points. But then Huaweis CFO was arrested in Canada for violating sanctions and is now awaiting extradition to the U.S; China, of course, is demanding her release. Fearing a tit for tat response, the Dow plunged 785 points before recovering. With all this going on, G20 member states were able to discuss crypto, and rather than talk of further crackdowns, they were reasonably open to it.A summary of the meeting was published titled Building Consensus for Fair and Sustainable Development. Crypto is mentioned once in reference to an open and resilient financial system that is crucial to support sustainable growth, while also promising to fight money laundering and terrorism; in short, crypto can be a force for change, but we want to tax and regulate it. In recent months, the crypto market, rather than being a safe haven from volatility in traditional markets, seems to be down when the the stock market is down. Bitcoin held above 4K until tuesday, but by the end of the week slumped to under $3.3K. Weekly, the leading crypto was down about 20%, monthly losses are just over 47%. Ripple was down over 23% and 40% monthly. Ethereum did even worse, trading in double digits, down 31% weekly and 60% monthly. Although maps were mostly red this week, hodlers have a date when they can cross their fingers in February 2019. The SEC has set a new deadline for the Bitcoin ETF decision. Commissioner Hester Peirce, aka Crypto Mom who dissented over the SECs decision to reject the Winklevoss Bitcoin ETF, told investors this week; Dont hold your breath awaiting a BTC ETF approval.Also this week, Maduro fights fire with Petro fire, Binance launches its own blockchain, ErisX has a big funding round, and Bitcoin builds schools in Rwanda.Venezuelas national currency, the Bolivar aka the Bolivar Sobreno, is doing so badly that its causing the mainstream media to praise Bitcoin. In November, the Washington Post compared the leading crypto with the embattled national currency saying: Congratulations are in order: Bitcoin is a better store of value than the worst store of value there is. The cause of the national currencys dire performance is of course hyperinflation, monthly rates are currently about 250% and the IMF predicts inflation could reach 10,000,000% by 2019.In a foolish but typically misguided effort to circumnavigate the hyperinflation and crippling sanctions, the Maduro government opted to launch a national cryptocurrency–an effort that was widely deemed D.O.A. Each Petro is meant to be backed by a barrel of oil, but in fact, Reuters reported earlier this year that oil fields meant to supply this oil are in fact nowhere near ready for production. The Petro itself is not available on any major exchanges and Trump banned U.S citizens from dealing with it.Despite all this Maduro plods on, recently increasing the reference value of the Petro from over 3,000 bolivars to 9,000 bolivars in a desperate response to tackle the economic turmoil currently engulfing his administration. Hot on the heels of this announcement was on e that, on the face of it, would turn even Bernie Sanders conservative; Maduro raised the minimum wage a whopping 150%. Venezuelan economist Leonardo Buniak believes the wage increase will only lead to further hyperinflations and was highly critical of the national crypto: To anchor the bolivar to Petro is equal to anchoring it to nothing, One way of beating hyperinflation is dealing in a currency that is designed to be anti-inflationary, and so some ordinary Venezuelans are actually mining crypto and even using crypto to get money out of the country; some are even using it to avoid violence from corrupt government forces, without physical cash, its much more difficult to demand bribes or shake someone down. Here electricity is very cheap. Even if Bitcoin was worth $100, it would still be profitable to mine in Venezuela. Producing an entire Bitcoin could end up costing around $10 The electricity costs are so low since they are subsidized by the Government, the same happens with gasoline.As the price of Bitcoin dropped below 5000, a lot of miners in other countries shut off, the difficulty went down as well and so now mining became even easier for us. The President said that its already possible to use Petro to pay for electricity, water and so on. However, I think Petro is still in its Beta phase Very few people, almost no one owns Petro. Personally I dont know anyone who owns Petro as it cannot be used for everyday transactions.Peer-to-peer crypto exchange Paxful is using Bitcoin donations to build schools in the African country of Rwanda. Since the #Builtwithbitcoin campaign was launched last year, Paxful raised the relatively modest sum of 15 BTC and yet still managed to open two primary schools. We encourage the cryptocurrency sector to contribute more to humanitarian projects. The #BuiltWithBitcoin initiative is an example of bitcoin being used as more than a speculative tool, but a testament to the usefulness of cryptocurrency, said Ray Youseff, the CEO and co-founder of Paxful. Paxful plans to build 100 more schools across the country by leveraging the power of blockchain. Besides traditional subjects, Rwandese students will be learning about blockchain technology and how to transact in Bitcoin and exchange it with local currency. Potentially useful knowledge in a country with a burgeoning blockchain community, the local government have been showing particular interest in the space.We asked Paxful CEO Ray Yousseff to give us more insight into the project. So Paxful went all in. We built the school, we went there, to the school we built and actually had children there and we said: hey, this is amazing. Let’s take it a step further. We actually started upgrading the school, providing lunches for the kids, giving them uniforms, paying their teachers salaries, even got them health insurance for a year. And we thought about ways we could expand the project further. Build, build.That’s the key. We want to build things, we want to build structures and we want to fund them and we want to have education be the focal point of this. So if you can name two things that you wish you learned in school that you did not, what would they be? For me it was always finance, learning how to use my money and nutrition. So for me the big payoff is, now we can actually introduce that kind of curriculum to these kids.Teach them about money. Teach them where the money comes from, teach them how to best use their money to invest, to save it. The peer to peer finance, that’s going to help the emerging world. Why? Actually the emerging world is doing it themselves. We’re giving them crypto and we’re teaching them how to take that crypto, sell it in their local economies. So we donated a hundred thousand to the second school. And we gave them bitcoin and they took bitcoin and then we showed them how to sell it on Paxful for Rwandan francs. And they got, I think, an additional 5 percent off of that so we sent them hundred thousand but they actually got one hundred and five. And with that we could pay for health insurance to the kids and by giving you really nice cute little blue uniforms, toys etc..But the point was, it’s peer to peer finance. We educated them on how to use crypto. Crypto by itself is not enough. We are talking people there that hey, cryptocurrency is a real thing. You can turn this into money. And then some of them have to start their own business doing it as well. Very simple import export way, where they could play on the arbitrage of the difference in their local economies. Binance, the largest crypto exchange in the world by trading volume, intends to launch its own native blockchain, Binance Chain. Like Ethereum, Binance Chain will facilitate ICOs and allow the creation of new cryptocurrencies. As the company revealed in a Tweet, on the platform millions of tokens can easily issue projects. Speaking at Forbes Asia Forum in Singapore, finance CEO CZ said the platform will be based on an old idea of crypto and it will serve to increase cryptocurrency adoption globally.Later this week, CZ released a demo video preview of the upcoming decentralized exchange DEX to be built on the Binance Chain. We reached out to CZ and asked him more details on his upcoming project. The Binance DEX is a decentralized exchange that allows you to trade one token to another token on the Binance Chain. So very similar to Ethereum, ERC-20 token. But the Binance Chain also allows you to send and receive the Binance Coin, which is the native coin, plus other tokens. So the blockchain can allow you to send and receive directly if I want to send it to you. The Binance DEX allows you to trade in a decentralized manner. Crypto currency is supposed to be cheaper to transfer, It is supposed to be instantaneous. Initially it did that but given the popularity of crypto now that the two main popular networks are very saturated. So we’re kind of losing that, now transferring on Bitcoin network sometimes takes five to ten dollars or more so we want to go back to a fast and cheap transactions.So I guess when I was referring to the original inspiration for crypto that’s what I was referring to. I think the current decentralized exchanges are either slow or have relatively difficult to use UI. So I think the main thing for us is that we’re combining a very easy to use UI on top of a very fast high capacity chain. So we believe that we improve the latency and the user experience on the decentralized exchanges. And when that improves, we’re hoping to see the liquidity increase on the DEX and hopefully make a contribution to the market.So we are working with many partners on the business side to have partnerships to use Binanace Coin as the coin in the ecosystem for payments. Including many large travel booking sites or platforms. We want to see a situation where the merchants can accept whichever currency they choose and the payer can pay with whatever currency they have. And then we do the conversion in between. And it has to be instantaneous. Newly established crypto exchange ErisX secured $27.5 million in funding from big investors, including Nasdaq Ventures and Fidelity Investments. According to ErisX CEO Thomas Chippas, the funds will be used to hire more staff, build out infrastructure and secure the appropriate steps are taken to develop a regulated market for digital assets. Starting from next year, ErisX intends to allow users to trade Bitcoin, Litecoin and Ether on spot markets, plus will run Bitcoin future contracts.With increasing financial support from leading edge firms, ErisX stands to provide the most robust, secure and regulated digital asset offering available to both institutional and individual participants, said Chippas. We reached out to James Putra, Director of Digital Asset Product Strategy at TradeStation – a brokerage firm that participated in the funding round – to talk about the reasons behind such a major deal. the players that have interest and concern in this ecosystem are starting to congregate on platforms like ErisX and it starts to create an environment an ecosystem that we are much more familiar with operating with and we can bring that level let’s say certainty or lower risk to the mass market. We really like our ErisX because it starts to signal a move towards market structure maturity and if you look at what they’re doing they’ve really taken a step to put together a really unique set of partners that bring together partners that are brokerage firms partners that are custodians partners that are liquidity providers partners that also provide cash management custody and they really start to round out a market structure that looks and feels more mature and makes it more accessible for institutions like Tradestation or other brokers to access that market because they operate in a familiar way for us.From our vantage point we really see a lot of interest and activity in advancing the overall market in terms of making it accessible more for the mass market which is really interesting and I guess just getting the work done and trying to fulfill the promises and not having to deal with all of the hype that we saw as the huge prices were up there. generally speaking what happens in these crypto winters and what has us excited as well as many of our colleagues is that it’s the time when the hype has died down and it allows us to actually focus on getting things done. Pump and dump schemes generate $7 million dollars a month in trading volume. It is an old-school crime normally found in commodities trading, now rampant in the crypto market. A de facto criminal will choose a random crypto, accumulate it and announce a pump and dump on a private Telegram group.Unsuspecting victims will then see the rapidly inflating price and buy buy buy, the organizer of the pump will then unload all of their crypto onto them and in a matter of minutes be away with their funds. Now, two researchers at Imperial College London have developed an algorithm to spot when these schemes might occur–the ramifications of this are huge for much needed crypto-investment protection. Over 200 of these schemes were studied between July 21 and November 18. They focused on one particular pump on November 14 at 19.30 GMT announced to several Telegram groups, the largest of which was McAfee Pump Signals, with 12,000 members. Researchers Xu and Livshits found that anybody who got in on the action 18 seconds after a pump began would almost certainly lose their investment and would be sitting on a large holding of worthless coins, their only hope to wait for the next pump and dump.The machine learning algorithm developed by the pair of researchers can identify unexpected trades in obscure coins and recently found 6 schemes when it was implemented on live data. Criminals will always adapt, but these pair of researchers have found a way of increasing trust in a market that badly needs it. So it’s possible to develop an investment strategy based on our machine learning model. we have very conservative assumptions such as you only get half of of the gain and even with that assumption it’s likely that it’s proved to be robust that you can get a gain of 80 percent within three weeks. So that’s the return that we are able to demonstrate. Investors still need to be very careful because again those coins are arbitrarily selected by the group organizers they are handpicked by the group organizers.So if you are too greedy and if you invest too much money in those coins in the illiquid coins they are by nature very illiquid. If you invest too much money in those coins you’re likely to move the market even before the actual pump. And if the pump organizers observe unusual market movements it’s likely that they will switch the coin last minute. That’s something that we also observed in the telegram chat history. If they observe unusual movements prior to the pump they would just cancel the pump. raising awareness. Obviously, that’s that’s one thing that we wish to convey through the paper. hopefully you know other researchers will come into work on some of these subjects and hopefully regulators will start paying more attention here as well. Even amid the falling crypto prices, the Bitcoin subreddit reached 1 million subscribers this week And in this current bear market Binance CEO CZ decided to get a very permanent reminder of crypto, He got a tattoo of the Binance logo on his arm What crypto -logo would you get tattooed on your arm? Comments below.And, as always, like subscribe and hodl! .

[muffled-screaming-inside-blog]

I am Not doing Well

It’s 3 am and I’ve been on tumblr for a few hours bc its made me smile. Havent been on in a while.at first i thought oh i should get on here more but its like its all the same. everything i do is just a bried distraction. I have been depressed for a while. Ive had depression for over half a decade, but the last couple months have gotten bad. every time i start getting to where im getting my footing back something happens. the tuesday before thankgiving was the second time i seriously thought about killing myself. what saved my life is i was too drunk to move. hahaha classic me.What got me to that point is having someone who i thought loved me and cared about me callously hurt me for the final time. I cant even trust when someone says they love me anymore. before the last bloke, that person eventually admitted they never loved me and only was with me bc they were scared and lonely. I’m endlessly self destructive and self sabotaging and idk how much I can take it anymore. I’m gradyually changing parts of my life to try and feel happy again, but its like im always on the aegde of suicidal depression. on almost a daily basis i have that thought of i just want to be dead. I’m scared. I know my brain, and I know if my mental state is in the red too long or too deep ill do it. I lost my dream job as a writer, over giving them too many emails to contact me with by accident. all my plans just about hinged on me getting that job. I thought I had it for a month. I put so much time and effort and mental stress into it and right before I had it, right before i got the introductory emails i fucked it up. I fucked up my car too, ran it too hot and  and its costing me 770 to fix the head gasket and i have no transpot. I feel like im slowly poisoning my relationship. I’m way too clingy.he lives over an hour away and our dates were sparse when he first said he loved me and i coudlnt believe it then and now we see more of each other im afraifd hell figure out im a worthless asshole. i spoend every day with me and i fucking hate myself. im supposed to be a writer, thats what i want to do with my life but im not fucking writing.  i feel so useless. And my drinkings getting worse. I just want to be numb all the time. I cant even go a day without a drink. and ive started being more reckless with my drug use, doing opiates while drinking. I know it could kill me adn part of me is disappointed it didnt. im always sad, always tired, i feel like a burden and i dont want to talk to my boyfriend about all tis because hes got his own shit going on and i dont want to make his day worse by worrying him and i dont want to freak my best firend  out bc i know she doesnt deal with this shit well. i keep telling myself im going to make it through this year if it kills me, i keep listening to that song but idk if i will. i havent done enough or said enough to die yet, but it feels like i wouldnt have anything to say anyway. im a college drop oyt. I couldnt take the pressure of two jobs and college. I had a full scholarship, the best in the state. what the fuck is wrong with me im such an idiot. i chose keeping two min wage jobs i hate over an education. and that opportunity is over i alwreadty fucked that up  beyond repair.  i did it bc my family is bankrupt and im terrified of being broke. im scared of being limited. its a freedom thing, i have to express my agency or i feel trapped and i cant live like that. but i fucked up and backed myself into a corner. now i actually am trapped without any prospects. i couldve easily gotten my english degree and became a writer from there, or done just college and wrote during, but now im fucked im fucked im fucked im always tired, too tired to try and write or try and find a way to make money writing. i feel hopeless and i all i want to do sometimes is give up.  i really do with i could just give up and be dne with all of this. not just the circumstances but my fucking brain. the mood swings the depression the anxiety, how easily tipped off i am. ive been planning to move far away, states maybe even countries but the terrifying truth is that no matter where i go or what ill do ill still be me, ill still have to deal with me, and im a useless, drunken, depressed wreck of a person, i just want to sleep drink smoke whatever to numb myself and escape my waking like. I hate working like i do but im out of options, i fucked myself over. i almost forgot, on top of my mind being broke my body is bad as well, im in costant pain, i have bad knees which no doctor can explain, i have bad joints in general and im weak af. whatever. i just had to get that off my chest. thanks for listening i guess

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