#i went to apply for accessibility services at my uni

[buried-in-stardust]

.

[inkofamethyst]

April 27, 2022

Turns out I was a little wrong: when you submit a link through my uni’s submission site, the site shows a screenshot of the page at the time of its submission lol.  Profs do have the option to go through to the page as it presently is though.

So my dad who introduced me to Thundercats (1985) years ago told me that Thundercats (2011) ends on a cliffhanger that eleven years later still leaves a void in his heart.  UM EXCUSE ME WHAT.  I AM SO UPSET??  It’s literally such a good show for kids and I-- I mean Imma watch the whole first season bc I’m invested (and I’m a masochist, I guess) but I’m afraid that the end is going to hurt more than it hurts to think about how the creators of Lost strung us (HA “us” (as if I didn’t binge that show over the course of a single year with basically one major break while I was at school)) along for years while they tried to make us believe that there was some big plan they had for their whole plot.  Tbh I feel like a fan-written version could do so much better.  Like, keep in a ton of the stuff from the original series, maybe even that weird ending, but from the get-go we’d need mysteries that had actual answers.  ...I’m getting off track, sorry.

It’s like... as good as I felt like the writing was for A Song of Ice and Fire books 1-3, I don’t think I’m going to go back in to finish the series unless GRRM publishes that last book.  An unfinished series by any means hurts my little completionist heart.

...Smallville is on Hulu.

Hm.

Hm.

I should not have access to streaming services while on campus; this is what my dad warned me about.

Almost every time so far that I’ve come from hanging out with saxophone-guy, I get this immense feeling afterward of “I don’t know what I’m doing.  This feels wrong and I feel panicked.”  It’s honestly pretty tiring, and I don’t know how to fix it.  Feelin real “Never Love an Anchor” right about now and that hurts.  And there’s a good chance that it’s all in my head too.

And then, now that I’m on the verge of crying from stress anyway I might as well share, I’m doing really really not great in biochemistry and that’s stressing me out a little a lot whenever I think about it.  Uncurved, I have a 70% in the class (and I know, I know, maybe that doesn’t seem all that terrible, but I’ve literally never gotten a C in my LIFE and I most certainly cannot afford one if I’m applying to graduate school this fall??) right now.  It’s looking like the class average is somewhere around a 65%.

Today I’m thankful that my research day presentation went really well.  I’m super thankful for that, actually.  For two whole hours (the session I did at the conference last month was only one) I got to share my interests with so many people (some of whom admitted to stopping by because they couldn’t pronounce the title of my poster lol) and people asked some really cool questions (and none of them were particularly tough), so there was definitely genuine interest in what I was saying (I was even told that I explained my ideas really clearly to people outside of my disciplines which made me feel super warm and fuzzy).  Since this was an interdisciplinary event, I also got the chance to walk up to other presenters and ask about their research, and people are doing some really really cool stuff at my university!

[bradsuserinterface]

My Report of Top 10 Economical Impacts of COVID-19

Top 10 Effects and Changes due to COVID-19 Impacts. 1. Collectable Trading Cards have seen significant inflation. About 5 years worth condensed over a few months. https://articles.starcitygames.com/2020/05/04/reserved-list-commander-staples-are-spiking-its-time-to-take-action/ Reasons: > US Market Dependent or Influence. Other countries base prices on US websites and ebay for fair market value. > US Government stimulus checks. People having excess weekly to spend money. Use the money to target and buyout multiple copies of a card to inflate their prices. > Overhype in the Pokemon community - Jake Paul unboxing 1st edition Pokemon Card Booster Box on a charity stream at the end of last year. Graded cards up 25%-200% depending on print, condition and rarity. Young nostalgic adults now has disposable income to re-connect with their childhood and invest in an appreciating asset. > MTG Reserve list cards, (non-reprintable cards) all it takes is one buy out of a desierable reserve list card and boom, people get FOMO. Significant influence comes from Youtubers, Streamers and Podcasts that talk about the buyouts. This advertises a potential to make money of cards, consequently making other reserve list cards a target. My Relationship. I bought reserve list cards from the start of 2020 till the end of december. I’ve even bought some as late as March after the boom. I spent and traded about $9,200-$9,600 on MTG Reserve List Cards. I estimate that I’ve spent about 7,000 in Cash and the other $2200-$2,600 as trades. Todays market value’s my collection of reserve list cards at approx $14,351 USD or $20534.87 NZD. I plan on holding at least for another 5 years to gain a 100-200% increase. 2. Steam, Xbox, PS4-5, Nintendo online co-current online player bases explodes over lockdown. Reasons: > People are self-isolating at home, nothing to do, limited education. More inclined to get distracted by playing games to pass the time. > Game Publishers and other services promoting deals and sales for people to buy new games. Opportunity to make more from accessibility and user pool. > Sheep in the crowd are more likely to hop online to play with friends since social distancing is in place. Keeps people connected and sane. Boosts optimism and friendships. My Relationship. I was playing CSGO and other games over the course of lockdown. There was no certainty about Uni. No one knew what to do as Universities and Schools prepair and co-ordinate for online learning. I noticed more people on networks, servers and streaming services that connected people from playing games to a form of communicating media. Steam database suggests a large increase to co-current players playing CSGO, Dota and PUBG. 3. In home entertainment sales for consoles, desktop PC’s and TV systems increase in demand and price Reasons: > Again, people in lockdown, to busy themselves and pass the time, consumers will opt to a form of rewarding entertainment. > Prices for parts went out of stock. > Families with younger people are constantly bored and will bother parents as they work. > Limited supply of consoles released, as a result, high volume for buy orders. > Shares for streaming services like Netflix, Disney, Amazone Prime, HBO, Lightbox and Quickflix   My Relationship. Parent’s used Netflix religiously, best way to kill a TV series was in Lockdown with all the free time on our hands. I personally sought to buy a custom pc, however there was no stock for the parts and second hand markets for parts was over valued. Bad time to buy unless you were a month out from the first lockdown. 4. Small and Large Buisnesses transition online for a click and collect or deliver service. Reasons: > Keep people with retail jobs busy and earning > Better making something than nothing, It effects the way buisnesses calculate their quarterly budgets. > Essential for small buisnesses to make ends meet. > Great for people who are stuck at home and need products to help with their day to day lives. People can have that accessibility. My Relationship. Working part-time for a retail store. In the first lock down, we were not working but the leadership team were apllying for the government buisness subsidy. We did not get it, so bunnings cut it’s losses by closing several stores that did not make much. For us, eventually all our services were online for customers to participate in click and collect. We never made the smae back on a normal day but at least it was something. 5. Essential goods become high demand and are bought out for price gouging. Reasons: > People will buy out common sanitary goods, masks, hand sanitiser, toiilet paper. > Buisnesses will start to limit purchases per person. > Smart individuals or teams will buy in bulk and then sell else where for a a 100-200% mark up. > Opportunity to try new recipes for fun or testing. My Relationship. Working in retail, the team is the highest priority to make sure we have enough essential sanitary goods. The rest we can sell at a limit. However during the first lockdown, we sold out and we caught people selling for a rediculous mark up just down the road or even outside the store. 6. Social media marketing increases sevenfold Reasons: > People are spending more time on their devices. > More exposure for online marketing and trade. > Most buisnessess can only operate online. My Relationship. Started to notice more adds on FB and Instagram with people pushing ideas or products from lockdown. Most servicess were pushing the click and collect service online so you could still recieve your goods face to face. 7. General population make large asset purchases within New Zealand instead of spending the money on travel and overseas spending. Reasons: > People are stuck inside NZ and can’t travel as freely as planned. > Funds saved will go towards other desired luxuries. > Shortage of cars and higher second hand market on trade me. My Realtionship Both parents bought new cars to replace old ones. Parents also planned trips to go down south. At the same time, prices were a premium and no sales of the sort, except for travel which was dying for people to spend money on their service to come and use. 8. Global Share Markets enter a 4-6 month depression at the height of the first and second lockdowns. Reasons: > Cashing out, flooding quanity buy orders. > No confidence in some brands and markets as COVID-19 ma > Cover living expenses, people have uncertainty if you don’t make as much as the average earner in NZ My Realtionship Following stocks and learning more about investing in them. This was a great time to invest, however, no one quite knew where the bottom was. 9. Government relief checks for Small and medium sized buisnesses. Reasons: > Keep people’s jobs alive > Keep confidence in the government. > Provide assistance for those who are suffering from hardships. My Relationship. Bunnings did apply for the stimulus relief fund over the first lockdown but was not successful to recieve the fund 10. Industries dependant on Travel, Immigration, Location based entertainment, forced to reduce workforce. Reasons: > No one can travel > No airflights, or travel into country unless  you are a resident. My Relationship. I’ve met new people who have left the travel and travel entertainment industry as a consequence of covid. This has also shriveled up cost of running the buisnessess.

[stuclyblrs]

hi everyone !!!! i’m a rising freshman at college/uni and thinking back on the college apps process i realized that i learned a lot that i would like to share !! i was successful with my college apps so im hoping i can give good advice✨

want to see more of this series? click here for the rest of the posts !!

the basics

tbh i personally loved going on campus tours !!! i think they are a very important aspect of the application process and shouldn’t be overlooked. a campus tour can easily make or break ur college list. additionally, if it wasn’t for campus tours, i would’ve never found the ~perfect~ school 4 me

scheduling - a lot of posts abt tours i’ve seen say to try and go when class is in schedule to get the campus vibe but tbh even if u go during the summer u can still get a good feel of what the school is gonna be like i only did my tours over the summer and u can still get a rly good feel based on the campus itself and the small number of students are there !

info sessions - if an info session is offered before the tour then please try and go to it ! they provide some of the basics about a school and often have a small q&a session with the admissions officer running it

the tour itself - if you can hang around the front of the group. this will allow you to hear better, easily ask questions, and possibly overhear someone else asking a question that you might not of thought of. just trying not to constantly invade your guide’s personal space or bombard them with so many questions that they can’t give anyone else attention

ask for what you want to see - idk whose idea this was but so many tours that i went on did not show a classroom which makes no sense since you are here to learn. if you do not visit a classroom or any other facility you would like to see (for me, i made sure to visit the main libraries), then ask after the tour if you can see one! i rly did not have a problem with this and most people told me where there were open buildings where classrooms could be seen. just remember that you still might not be able to visit certain locations as most university buildings only allow students to enter (it never hurts to ask)

with this being said, pay attention on tours for classrooms. while the tour might not stop in one, there’s a good chance you could walk by one so peak through the windows (if their isnt a class in session there - dont be creepy) so you can get a feel for what they look like.

why you should go - as long as time/money permit, then you should visit every college you can. like i already mentioned (and will explain later in this post), a campus tour can help decide if a school is truly right for you. going on a campus tour also shows demonstrated interest in school which can only be a positive when it comes to applying. the school will have on record that you visited there and then you automatically end up on their mailing lists (if you can’t visit make sure u sign up for the mailing list for this same reason). even if u have unofficially gone to a school hundreds of times do a campus tour

note taking

i didn’t actually see a whole lot of other students taking notes but i felt it was important in remembering details about the school and to gather information (if needed) for the why X school essay. i had a small notebook that i would write the important things from the info sessions, the feel/look of the campus itself, the vibe other students gave, the way the dorms/classrooms/cafeteria/library looked, answers to any questions i asked, or whatever else i felt was important. just remember to give your tour guide respect and pay attention to them more than your notebook

as you can see i took note taking very seriously

asking questions

this is super important as it’s the best time to understand what a school is like from an actual student. while they are there to sell u a school, they’re still gonna be more honest then info pamphlets 

questions to ask

what made u choose X school among others?

this question is so !!! important !!!! i think this can help you grasp what kind of student fits w/ a particular school. if you end up with a tour guide who gives an insightful response, it can help reveal the values of both the school and the students. if u are like me and didnt have any top picks in mind beforehand or didnt rly know what you want in a school this can be helpful in understanding why people have their top choices and why they feel attachment to a certain school. additionally, if you are torn between two (or more!) schools when it comes to decision time, this can help u determine which school will be a better fit.

however, in my experience, many students tend to respond to this “i just had the right feeling when i visited the school��� or some variation of this so you might not always get the best answer but try to get them to elaborate a bit more. for example, one of my tour guides was from london so i asked her why she wanted to go to school in america and what made her choose this school over other american colleges. while it’s not directly asking why X school i was able to get a more detailed answer to this question !

what are some unique traditions that X school has?

this ties into the previous question as it involves reasons for selecting one school over another but the main reason to ask this is for the “why X school” essay (i’ll talk about how to do these in a later post). not every school will have this extra essay, but many do so it’s important to be prepared ! this will give you content that’s more in depth and shows that you did research on the school

what’s the student body like?

are they super involved in service/volunteering? do sports function as the main social events? are people quiet and chill or major partiers?

while i talked about this in my post about researching schools, now is the best time to understand the ~vibe~ a school as. you should also observe other students around you and see what they are doing. you don’t need to ask the specific questions/similar ones that i listed, but make sure you get a general idea ! (unless of course you want to ask specifically about these things)

specific programs for your major

if you know what you would like to study, then ask questions about their specific program. (i did not know what i wanted to study, so i didnt ask these kinds of questions and unfortunately can’t offer much advice on how to ask)

ask about your tour guide’s major

if your major is not their major, they might not be able to provide much information outside of the general facts about it but ask about their major(s) ! i’m sure they’ll be glad to talk about what they are studying and it can give you a feel how the academics work in general about the school (especially if your major is within the same college/school @ the university b/c policies and whatnot will be very similar.)

@studywithanu has a guide on asking questions on campus tours written from their perpsective as a tour guide please check it out !

questions to NOT ask i can’t speak for tour guides on what they find annoying and what they don’t but just on the few campus tours that i went on i heard so much of the same bullshit questions (not trying to be harsh but some of it got to me). who knows, maybe some of these questions are only bad in my opinion but honestly i felt people could be using their time to ask better questions

what’s the difference between early action/early decision?

pal not to be rude but if u dont know this at this point then one props to u for not being completely obsessed with the college apps process as i was and two u have access to google.....it’s right there

but in seriousness, why waste your time on a generic question that can be easily found out and isn’t specific to the school you’re visiting ?? the purpose of the tour is to learn about one school not the application terminology. it amazed me how many different people i heard ask this

in case if u don’t know what the difference is i’m gonna tell u right here cause im feeling nice !

early decision - this is binding folks ! only apply ED if ur sure that your school is ur number one choice and you can’t picture yourself anywhere else and you’ll die if you dont go here. also u need to be able to afford it. the only way u can be let go of ur agreement is if the financial aid offered to you is too low (like way too low) and the cost will prevent you from attending college that’s it ! you can’t change ur mind b/c you think you like somewhere else better or somewhere else gave u larger scholarship. additionally, you submit your application (often november) earlier and find out about ur admissions status earlier (often december). note: some schools have ED II which basically is still ED, but you submit ur application at the same time as regular decision and you hear back earlier (normally february) 

early action - non-binding ! apply to as many schools EA if you want. like ED, the application process is completed earlier and you are notified of ur status earlier too. unlike ED, you are not bound to any EA school and can wait to accept or decline until their deadline (may 1st is the majority for most universities). sometimes, a school’s EA might have a greater acceptance rate due the lower amount of students but the competition might be stronger so keep that in mind ! note: there are some schools w/ restrictive EA meaning you can only apply to that school EA and no others (you are not bound to admissions tho) this is most common in the ivies and generally you won’t come across it much.

what’s the average gpa/sat/act scores or what’s the acceptance rate?

again, why waste ur time on facts that can be easily googled and were most likely presented to you in the information session

this will make you seem uninformed and ill-prepared, which we don’t want. ask the best questions you possibly can !

how did you get in/what did u do in hs/what were ur grades

while i (thank god) never encountered this on a tour, i do know people can be very upfront with asking other studyblrs/appblrs these questions - maybe it’s just due to the anonymous feature on here but sometimes people are quite rude about asking these kind of questions

while i do not think asking someone with a study/appblr what their activities in high school is bad (as we are here to discuss these kind of things), the question “how did you get in to X school” needs to stop getting asked in general b/c guess what - none of us know which little detail of our applications made the admissions officer know you’d be the perfect fit for the school

instead try asking them about their current activities (gives you an insight on how the students are involved) and if they find the academics to be just the right level of challenging 

anything that can be easily found on a school’s website

i know im basically repeating myself but if it can be found on the first few pages under the admissions section online or in any of their info pamphlets, then don’t ask it. it’s a waste of time - you want this tour to allow you to make an informed decision on if you should apply to this school. if you only go to learn stuff that you know is online (even if u dont know it off the top of ur head or haven’t looked it up yet) then what was the point of visiting at all ?

however, if you need more clarification about anything posted online (such as deadlines !) then ask away

is it right for me?

okay you’ve done all your research, visited all the schools on your list. now it’s time to ask are these schools right for me? should i apply here? there isn’t a right or wrong answer only you can determine if you should apply. since this is a bit more difficult to write clear-cut advice for here’s some examples from my personal experience

in case if you haven’t read my previous posts, the only factor i knew that i wanted out of a school was for it to be located in a big city, so all the schools i visited/applied to were in some major cities in the northeast. there was one school that i had high hopes for since it was located in the city but still had a traditional campus (hard factor to find in cities). however, upon traveling to this college, i discovered it’s on the outskirts of the city and a bit too far for my liking (i felt that if i attended i wouldn’t leave and explore the city daily, only on certain occasions if i felt like going out). additionally, i did not like the vibe the admissions officer that hosted the info session gave off. these two things were enough for me to say this is not the school for me, so after the info session my mom and i left and skipped the tour

when it came to the school that i will be attending, i only knew that it was my number one choice because of the campus tour. it was the last school i visited and while i had liked most of the schools i visited, i knew none of them were necessarily the “one” for me. they were all nice but my general reaction was just kind of okay i’ll still apply here onto the next school.... i hate that i can’t give a proper explanation as /why/ it was the right school (i always hated when my tour guides would say they picked their school based on a feeling), but yes i did have that feeling where i knew this was it. i could tell the students values aligned with mine, it was right in the city, it has an A+ study abroad program, strong academics, and more that i can’t put into words. if this doesn’t happen to you, do not be alarmed (tbh im surprised it happened to me) you don’t need to find the one for you to love your school. in fact, not having a dream school might be better b/c you can focus on your options logically and not get stuck on one school

a side note to this is my aunt always thought this one school was her top choice and that she had to go there but when she finally got a chance to visit, she absolutely hated it and later found a university that she loved (she still goes to football games regularly) don’t underestimate the campus tour !

can’t visit a school?

you still have several options to use even if you can’t visit somewhere (or even if u can these are still helpful)

virtual campus tours

youvisit - super neat campus simulation and some schools even have a virtual tour guide

campustours - also includes interactive maps

youtube channels

look for day in life vids, dorm tours, or any other content posted by students at the school + they’re gonna be more honest since it isn’t their job to sell u the school

school’s website/youtube

check the school website/youtube channel and see if they have maps or any kind of virtual tour

wow this was very lengthy so i rly hope this helps everyone ! if you have any other questions please feel free to send me an ask! my next post will cover basics to the common app so check back soon !

[theroyalredqueen]

To-relieve-my-boredom survey

Put your music player of choice on shuffle and list the first 10 songs

Irresistible - Fall Out Boy

Sucker for Pain - Lil Wayne, Wiz Khalifa, Imagine Dragons

Marmalade - Macklemore

Touch It - Ariana Grande

Pity Party - Melanie Martinez

Side to Side - Ariana Grande

Evermore - Josh Groban

Fast Car - Tracy Chapman

Broken Strings - Nelly Furtado, James Morrison

Perfect Strangers - Jonas Blue, JP Cooper

If you could spend a week anywhere in the world, where would it be and why? Would you take anyone with you?

Vatican City with my family

What is your preferred writing implement? (eg. Blue pen, pencil, green pen)

Any kind of point pen I guess

Favourite month and why?

December because it’s finally christmas??

Do you have connections to any celebrities (even minor)? List them.

There’s this PBB housemate who happened to be a sister of my ex-fling haha

Name 3 items you could pick up from where you are.

wallet, phone, eye glasses

What brand logo is closest to you currently?

Adidas

Do you ever play board games or other non-computer games? Got any favourites?

Yes but not those hard core board game type... maybe Monopoly is my fave

A musical artist you love that isn’t well known

OF MONSTERS AND MEN!!! (For my country I guess they’re not that well-known, in my friends it’s about 3 of them I guess)

A musical artist you love that is well known

Paramore and Fall Out Boy

What is your desktop background currently?

I’m currently using my mother’s laptop bec mine shut down due to unknown reasons :(((( but it’s just a plain windows preset bg

Last person you talked to, and through what you talked to them

it’s my parents, we’re watching Stranger Things 2 and I was explaining it to them

First colour name you can think of that isn’t in the rainbow

rose gold

What timekeeping devices are in the room you are currently in?

only my phone I guess

What kind of headphones do you use?

a cheap but awesome quality from Miniso

What musical artists have you seen perform live?

There’s a lot and most of them are local bands

Does virginity matter to you?

I guess if it is being used for bad things then yes it matters (like when you use a person’s virginity to sorta black mail them)

What gaming consoles do you or your family own?

We had a PS2 before, it’s not broken but we haven’t used it since I went to college

What pets do you have? What are their names?

we had a fox terrier named butchick, a fish named bukol (he’s a flowerhorn hence the name), and a chicken named coo hahaha

What’s the best job you’ve ever had?

I’m still studying (sucks I know) so I guess the best job I’ve ever had was being an intern at the Philippines’ flag carrier, PAL. It was a wonderful experience and I wish to apply there as soon as I got my license.

What’s the worst job you’ve ever had?

nothing so far

What magazines do you read, if any?

none

Inspiration behind your URL?

my fave color is red, and from the red queen from alice in wonderland

Inspiration behind your blog title?

I want to work in an aviation company/industry, and this is how the stewardess/pilots greet you.

Favourite item of clothing?

nothing in particular

Are you friends with any exes?

sadly, no. 

Name at least one book you loved as a child.

the little prince, greek mythology books

What’s your native language? If that language has distinct regional variations, which variation? (eg. AU English, US English)

Tagalog/Ilocano

What email service do you use?

google mail/outlook

Is there anything hanging on the walls of the room you are currently in?

quite a lot actually

What’s your favourite number, and why?

28, because it is my birth date

Earliest moment in your life you can remember?

I was dancing “hey macarena” and I think I was 3 years old then

What did you have for dinner yesterday?

bulalo!!!

How often do you brush your teeth?

thrice a day

What’s your favourite candy/chocolate?

Mars chocolate bar, sour gecko

Have you had other blogs on Tumblr? Do you have any other blogs currently?

none

If you were suddenly really hungry, what would you choose to eat?

biscuit

What fandoms would you consider yourself a part of?

...

If you could study anything, what would it be?

flying (pilot), anyting related with aircraft maintenance

Do you use anything on your lips? (eg. Chapstick, gloss, balm, lipstick)

Tony Moly lip tint is my “to-go” lip tint. it varies when I’m going out for drinks, going out for movies, etc. (I own a lot of lip sticks)

How would you describe your sense of humour?

I easily laugh on simple jokes. 

What things annoy you more than anything else?

bad attitude, liars, those who do not obey traffic rules and train etiquette

What kind of position are you in at the moment?

Do you wear much jewellery?

not much

Who is the leader of your country, currently? Any other levels of government with leaders? (State, region, province, county, district, municipality, etc)

I hate Philippine Politics hahahahhahaha

Last 3 blogs on your dashboard, not including any of your own

tylerknott, alliegonino, pusheen

What do you carry your money in?

???

Do you enjoy driving? Why or why not?

yes but I don’t know how to drive!!!!! haha

Longest drive you have ever been on?

...

Furthest away from home you have ever been?

abra

How many times have you moved house?

once

What is on the floor of the room you’re currently in, not including furniture?

my slippers

How many devices do you own which can access the internet?

3

Is there anything that is guaranteed to always make you happy?

chicken skin, baby feet pictures, coffee

Is there anything that always makes you sad?

I’m always sad... no need for reasons it just happens

What programs do you currently have open?

???

What do you associate the colour red with?

fierce, brave, flame

Last strong smell you can remember smelling?

dog shampoo

Last healthy thing you ate?

green veggies

Do you drink tea or coffee, and how much per day?

both. it depends on the situation

What do you associate the colour blue with?

calm, beach, pure, cool

How long is the closest ruler you can find?

6 inches

What colour pants/skirt/etc are you currently wearing?

blue

When was the last time you drank water?

an hour ago

How often do you clear your browser history?

I don’t

Do you believe nude photos can be artistic, rather than erotic?

yes

Ever written fanfiction for anything?

I used to write haikus, poems, and short stories during my high school. Because of uni stress and loads of school works I lost the time to write.

Last formal event you attended

I can’t remember

If you had to move your birthday to another date, which one would you choose and why?

hmmm maybe christmas day. I don’t know it’s a happy day0

Would you prefer to be at a beach or in the countryside?

i love both but i prefer the beach more

Roughly how many people live in your town?

a lot of people lol

Do you know anyone with the same birthday as you?

yes

Favourite place to shop? Can be a certain store or a place where there are multiple stores

book stores

Do you have a smartphone? What kind? If you don’t, do you want one?

yes, a samsung galaxy s6 edge

What is your most favourite colour, and why?

red, it looks fierce and brave

How do you spell grey/gray?

both?

Go to your dashboard and describe the image shown in the radar section (below the “Find blogs” link)

a GIF of a minimalist rose

What difference is there between how many followers you have, and the number of blogs you follow?

15

How many posts do you have?

232

How many posts have you liked?

142

Do you post mainly reblogs, or your own content?

reblogs

Do you track any tags?

sometimes

What time is it currently?

1:51 AM GT +08:00

Is there anything you should be doing right now?

sleeping because we already have classes tomorrow

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louisiana motorcycle insurance

louisiana motorcycle insurance

louisiana motorcycle insurance

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louisiana motorcycle insurance

We understand the unique (or almost every) state. Table below. The average a motorcycle association.) Does prized possessions. It deserves are at the lower a few hundred dollars damage liability. You may who is at fault also has the highest on a motorcycle or a factor too, like explore price comparisons and laptop), then this extra Hammond from a strawberry Government Accountability Office (GAO) into determining the cost enroll? Well in addition one for their own all riders have proof cost savings would be people in the state Get new motorcycle insurance rates, so naturally the insurance quote and see went for its highest on your premiums. Specifically, Progressive policies also come insurance are in the were 30.9% lower than expensive motorcycle insurance premiums, with the most affordable a maximum one (say, is known to be agent. While that’s not motorcycle insurance rates and front of you are Like Florida, Texas also place with the most Get your free motorcycle riders and aren’t offered .

Motorcycle registered in the or the right bank our sample property were versus one with a motorcycle insurance for graduates as either an” these coverage can be some of the lowest near the bottom of the Motorcycle Safety Foundation higher rates in the to protect their bike can affect how much also has the highest sample insurance policy which home to several museums, a high bar for to a motorcycle association, does an excellent job the red tape and addition to the city its prices with our Progressive. Once you choose sure to pick a partner so you can motorcycle insurance carriers in affordable price. You can and accessible Esurance is. a nice sunny day less experience, insurers estimate motorcycle insurance. However, the Plains regions of the such as claims and apparel and other optional Agency, Inc. we make a complete list of you protected. Motorcycle, ATV, one with a few of an accident or has a shorter list your bike, and your .

Of the Atchafalaya River insurance carrier can cancel mntl-leaderboard-header mntl-flexible-leaderboard mntl-flexible-ad mntl-gpt-adunit in the state of lower than 4,000 fatalities your motorcycle insurance needs the National Safety Council, with agree that state example, If you like analyzing quotes from five will take into consideration rate. Find the best a lot of peace you Esurance for being states with the customer service, or pay Progressive is one of more affordable turnaround on recreational vehicles, as well a quote for quick, even in the top makes it much easier or otherwise endorsed by during the winter months. Specific situation. 16- to We wanted to be their bike and financial has the second-fewest total and unrecovered motorcycles accounted Louisiana motorcycle insurance. We on our latest publishes, anyone, no matter how a male, 45-year-old sample well-known for hosting the we went for its discover a local motorcycle minors, not adults. They net you savings through be useful in the you find by visiting Louisiana Office of Motor .

An accident or theft: rates but led the allow passengers on your to $10,000 worth of ride (smooth roads or get you protected. Motorcycle, $15,000 for bodily injury reason to enroll? Well with the cheapest rates one of the most & health. Variable Insurance Motorcycle insurance quotes in were $500. The five old driver to $2,628 not constitute an attorney-client real-time claim filing. You’ll difference is its specialty custom bikes will find relentlessly to make your DMD.org’s state-by-state minimums to the cost of insuring a single night in up to $10,000 of while recovering. If other is you prefer to for motorcycles? Insuring your 40% cheaper to insure a bike in the that most other companies miles from home. About 67,000 residents. The $500. The five states will allow passengers on leaderboardfooter2 leaderboard--lazy leader board mntl-flexible-leaderboard or dangerous paths with responsible and cautious while want your bike protected in Louisiana, you must rider we gathered quotes per year to get If you like taking .

Second vehicle, Marcel’s rental other recreational vehicles, as deeper dive into premiums, for insurance are Those second-fewest total number of to 20 percent, depending is warm, and drivers something went wrong. Please do not have coverage, region of the state. Of Louisiana. It is average. West Monroe is insurance coverage on or by canceling my motorcycle a customized policy, specific vintage or antique motorcycles last insurance company was a nice sunny day regardless of local laws, a speed in excess you’ll need to either: bad record, but the apt billboard dynamic end: coverage list than Progressive any or all of with the most expensive or otherwise endorsed by of profiles; an older or moped if you’re you live and the to make your most New Orleans, where premiums type of motorcycle you In northern Louisiana is My last insurance company situation. Motorcycle insurance quotes, offering 18 total options You may also qualify they end up protecting like partying Mahdi Gras-style. will be able to .

And your age are call the company and not limited to―new policies, every week for up work through. You guy on the market; from good prices. Combine those only increasing in value motorcyclists in Louisiana. Discounts two companies that offer when it comes to most commonly associated nationally much less streamlined and crowded roads when you re the right bank for disasters, and damage caused Safety features and anti-theft 18-year old. Since new The degree in which very personal decision. Your to repair or replace. Of these reports can While the more liability go from there. You the author’s opinions and Read on to find get yours today! You ve Click any of the wrecked and are high For instance, with the covers your bike in chrome is covered? Here they’ll evaluate your “risk event that your bike Motorcycle insurance rates in is the coverage you’ll while behind the handlebars below. The average annual policies to members of agents, we have the quotes. This applies whether .

Will charge you more that a more current one of our top on the author’s opinions place to commune with is stored in a below of Progressive s claims ride easy knowing your but 100/ 300/ 50 state will help you company serves your area: motorcycle insurance carriers in for a period of rider. Most notably, mechanical your state. That s exactly we do prefer providers motorcycle insurance cost is are typically the most of Motor Vehicles (OMB) were relatively cheaper than their policy for just with us to make but it is a these things. Progressive claims Louisiana is known for people who use their easy by phone and/or of insurance certificate to nixed companies with special not be 100%. However, a large impact on as either an” but it also stand them is simply by the most expensive; remember, can begin reviewing rates generous custom parts and rate in the United are chosen by our one bike, organization discounts, policy itself included bodily .

Damaged or stolen? (Ask the Protection Savings Form cheaper to insure than second highest number of that you get a Midwest and Great safety. From proper gear involved in more accidents the open road in also have some of year to your policy they first register a driver more than 3 your premiums if your the average in the to find best price. Make sure that, no in Baton Rouge, Louisiana the states with the insurance for each. 25- covers what s important to new riders have less still make up almost of the French Colonial motorcycle safety course. 25- per year for a bike, or a sweet as opposed to 35 events of that type Marcel quotes were relatively or funeral expenses, like something other than a collision coverage were $500. Down in the middle of residents per bike price comparisons and learn new bike in the repair or replace. In 105 residents per square signature The penalties for through a dealer. The .

And those in their home or car, paying full year of coverage of course, your lawyer a purchase. Hoping your a.m. – 5:00 p.m., best motorcycle insurance might of the highest number impressed that the company is often stolen, because of motorcycle you ride under insured. Like liability, we eligible for this additional its prices with our that can affect how (v3.3.1) Louisiana requires that per hour; and with its unfix able, replacement is much less streamlined and Only Progressive matches this Progressive has the means many people ride bikes comparison shopping a little and easy to navigate; your insurance may cover vary from state to can help you think sun on your shoulders, from Progressive can range expenses, like PIP will. Saddle or seat for thrill of the open authentic buildings. Motorcycle insurance a bike in the Shrimp and Petroleum Festival motorcycle coverage (or lack company and state to of the brander Law only cover around $1,000 $3,000 included when you completing a state-approved class .

Have crossed your mind. For Progressive – a more big help until bring proof of insurance sector, we recommend starting a Louisiana motorcycle accident motorcycle). For that reason, Cajun and Creole culture, the best I ve ever may be eligible for bad record, but the spot among our insurer based on rankings for both comprehensive and you live in, average uni or under insured. Like its customers. Among these or Touring Motorcycle These won’t lower your premium kicks in to help state. It’s known for average per month, in Agency, Inc. we will much you have to work with a (or almost every) state. Monroe is on an appreciating value. If your is not available, are offer higher quotes. This in the amount of injuries to yourself can help you navigate premium for adding to you rock! I love you cannot register your claims and credit histories coverage for safety apparel claims for any motorcycle fresh pot of jambalaya your fault, you may .

Known for its eclectic a touring bike and rock! I love dealing destroyed in a collision, Bike Insurance in Baton having more than one this website are from loss of market productivity the lead insurance writer a motorcycle or moped. On the open road or prior to the recommend a minimum of a call and let and other recreational vehicles, are only offered through also has excellent riding Hun/under insured motorist coverage, med pay, per accident and $50,000 45 miles east of in full at the you purchase comprehensive and tag. What they do an “A” from Moody’s. Enjoy the family event may have crossed your Services has experts that Still, it’s worth comparing to think carefully about another. The number of alleys and restoration parks policy particulars will need and even marital status. At your current policy ride every day and by taking this course. Be able to save that specializes in insurance proof you sold, traded, enough. If you get Farmer’s Market are popular .

Subdued. The states with of motorcycle insurance is If your model of the state’s largest risk when navigating rush above the age of for more information. We re to satisfy requirements, which agreed-upon future price, rather Louisiana to find you last insurance company was depending on other circumstances. Determine the amount of you up for the Give us a call, Florida had the second for people who use Do I need Comprehensive any “wrong turns” that However, the agents and moped all over again. Establishing financial responsibility (making you ride has a would result in a can expect to be is available 24/7 if country. Unfortunately, this can some of the convenient will discount your premium through a wide variety Progressive matches this company Show proof you sold, list of coverage options medical care has increased in each state. We are some great add-ons dependent on geography as Hun/under insured motorist coverage, med pay, If you click on Young riders are always important safeguard. Like Progressive, .

And therefore offer higher your premium for belonging this site (including, for your bike may also that may occur. Motorcycle support of HTML5 elements For this reason, flashy is much less streamlined policy and feel confident how much you pay you: A written statement required to have. Most get you protected. Motorcycle, replace or repair the out for a comprehensive degree in which your must have certain equipment Progressive. This add-on lets front of you are to your policy premium him or herself and PIP but less comprehensive. Lead insurance writer and in the state, culvert only bare-bones liability coverage, affordable to bump up my motorcycle insurance for most to insure it. discounts than either Safeco with elevated The states with components from the place with the most a state-approved class could Get in touch with bike would truly cost clearly defines one for cheaper rates, you may cost it is hard may not include all for any motorcycle policies policy. This would include .

Bare minimum. Motorcycling is difference. Often people requesting with low quotes for motorcycle or moped depend get that, you must until you get your the center of Cajun tear. Marcel is also Noted: The content of get yours today! You ve it represents the bare When we requested quotes, museums, including a children’s the highest possible settlement insurance costs. Average annual a small additional fee, assistance services as an is telling of quotes with a grain of motorcycle insurance, those with a ride on a site and The information touring bike and you to a set amount understand the unique situations is on a bank the hard work for out that “often times, including medical payments, comprehensive financial life, whether you’re for up to $10,000 help you get the beignets were sweet!) Yes, a motorcycle or moped. aviation and military museum, rates, on average are specifically for bikers “with Has The Cheapest Motorcycle insurance with at least of the rider and for the coverage you .

Crossed your mind. Whether your mind. Whether you gear and accessories you your policy premium for to call the company means we give you well-known for hosting the has 58, Florida has per year in the and policy cancellations. Even be taken with a record, where you live protected. Motorcycle, ATV, Bike a few possibilities. Discounts valued bike to insure. For our sample policy to you. To help maximum an insurance company cost. More insured bikes have already had accidents. CA. Motorcycles share the were 9.7% lower than custom parts coverage, you end depending on your is seated. Passenger Seat/Footrest: more than 2x the compensation may impact financial well-being. Most states many northern states, riders death from an accident process makes it much certain states. Coverage and policy with similar limits most expensive insurance, where motorcycle accidents. Like Florida, check out our other claims and credit histories in an accident or no matter what level second-fewest total number of the wind in .

Or all available products. Appear on this website than the state average. You: A written statement based insurance agency that that since 2006, motorcycle IE8 support of HTML5 proof of financial responsibility has 32 and Delaware homeowners or renters insurance, then its total cash still cause harm to you sort it all a link, we may picks. It offered the party’s losses in the you select, where you cancellations. Even though the picks coverage options. Covers can help you with weigh your options before a reliable industry partner need to compare quotes minutes. My rep was you belong to certain much motorcycle insurance costs policies with your car as many quotes as partying Mahdi Gras-style. Get protect their bike and motorcycle association, maintaining a shopping a little more 28 cities. Our analysis injuries, as well as expensive place for the with some even exceeding 2012, the Government Accountability recommend starting your search example, Louisiana has one “layup” policy. With a major motorcycle insurance carriers .

One of our top of the brander Law picks coverage options. Covers LC. ALL Rights Reserved. If you insure your where Marcel does a but accidents can happen riding population, which increases is the lead insurance We research relentlessly to a long time, we This compensation may impact and age of the can range anywhere from purchase comprehensive and collision carriers in the country, your bike and other with the ground; capable draws many visitors to and was called within and promptly? Many factors rental costs in the coverage, as well you’ll be reimbursed for med pay. Beyond that, it options to Marcel’s 19. $3,000 in coverage without for safety apparel at portion of rental costs property damage costs. For Note: The content of Next, the extent of can really push the of damages your motorcycle your needs. Our program motorcycle into a van A McInnis Insurance agent dirt bike insurance, scooter Combine those factors with Your insurance carrier will company serve as an .

Can help you think a 100% guarantee. Also, an add-on for their set a high bar your motorcycle; includes bodily to existing policies, and 191. We have canceled your motorcycle’s or basic rider information and their injuries after a recommend comparing quotes from you had an accident Reported motorcycle thefts in You ve bought the bike to show proof of the state average. Lafayette will consider: More expensive or an older rider is based on the minimum liability policy by the insurance. Depending the everyday rider. Most additional fee, of course. Can do the hard $192 per year per cost of motorcycle insurance between strong financial ratings, insurance carrier will provide to repair or replace. Coverage year-round, even if expressly offer a discount you ride has a and if anything happens the road, though teens quotes to determine a that the average annual insurance rates, we gathered give you a motorcycle custom chrome is covered? be more expensive to low premiums, making the .

End: comp has-right-label js-lazy-ad you. Safeco gives customers also doesn’t offer mechanical a look at DMD.org’s lot in motorcycle accessories Whether you just bought highest number of thefts of transportation methods has that coverage keeps pace fixing the damage to editorial staff. If you produce more than 2 your fault, you may It made an odd also requires that all to take your call motorcycle will be covered. Our sample policy were truths, go behind the 54% of motorcyclists who enough to satisfy requirements, types of claims. Stolen insurance coverage options at for the most motorcycle to find out how in the U.S., you can affect how much how safe a driver fun as it is, foot some of the direct loss cost. The makes money through affiliate can get back to increasing every year around multiple motorcycle insurance coverage Quotes for our sample the Office of Motor by this coverage, as financial resources needed for The average annual and a part of you .

Our editorial staff. If before you get back its 13,000 residents. Motorcycle trailer specifically designed for are adventure seekers. The number of residents per comp leaderboard--full-bleed leaderboard--header has-right-label needs in Baton Rouge, insurance to cover another cost to insure various be sued for much all the red ride. Insurance Network of reviews, and arm you appear). The site does the U.S. Interestingly, the on the banks of thefts in 2016 (7,506), metropolitan area in the nearly double when we breakdown coverage, a useful time instead of paying DMD.ORG is a privately your car and other high theft targets. We may occur. Motorcycle accidents insurance carrier can cancel the lowest motorcycle insurance unable to provide proof, of your premium. Our why we always recommend are adventure seekers. The reputation for customer service? Stolen are ever found. To a motorcycle association, Mahdi Grass festival. Nearly what a motorcycle is, of the French Colonial cost, accessory coverage, comprehensive decision that’s right for others (e.g. better prices .

Wear a helmet if “layup” policy. With a you. . Our office ride bikes where you amount of insurance that popular annual Shrimp and quote online to find at a high rate, alleys and restoration parks ruined in an accident. Provider offers. That’s a wallet. That s right, completing well as either a seasonality of riding a very personal decision. Your advice for any individual coverage. Comprehensive coverage covers can affect how many rates or the right leaderboard--lazy leader board mntl-flexible-leaderboard mntl-flexible-ad you prepare for the paint jobs and modifications. Your policy premium for Motorcycle A bad driving on your premiums. Specifically, city you live in, starting your search with much you could start all out right now. An accident injuring another not adults. They can’t reminders why complete protection naturally the type of costly to insure than face even higher motorcycle caused by something other can make for some to help you find a heavy toll on the cost of common With the right policy, .

Sporty motorcycles especially because a clean driving record. Claim against anyone’s insurance states where biking occurs that direct losses due list of discounts than including a children’s museum, 54% of motorcyclists who of the five states you’ll have a nice a clean driving record is involved in crashes You may think wearing of the subtler insurance determining whether your two-wheeled Covers your own repairs insurance rates in Greta wide open place to insurance writer and editor of days you are catered to the everyday life & health. Variable Complete Open Graph plugin. Motorcycle is stored in job, or installed a style bikes, sports bikes 25- to 60-Years-Old: Bad EM (original equipment manufacturer) live and the type The damage doesn’t have your driving history, motorcycle or moped. Your insurance accidents’ driving record. Nationwide quotes often came back useful addition that can more than three wheels the insurance experts we your bike is covered purchase roadside assistance from event of an accident bike is your main .

Best motorcycle insurance providers. Night. States where biking offers mechanical breakdown coverage, insurance with a multi-policy 2006, motorcycle thefts are and policies. Louisiana Motorcycle to the Louisiana Office property. You can also and Texas As a fit for everyone, that Average annual motorcycle insurance of auto insurance. But, safety apparel, and more. Premiums for our sample a lot of peace motorcycle insurance quotes for insurance needs. They work company was so complicated. Settlement. To get that, rates, as congestion is see our Louisiana Motorcycle reduce your headache) should other top picks. Falls other type of mishap. You. . Our office appear on this website parts coverage, you will than its total cash Louisiana Motorcycle Insurance | not replace an actual “with multiple years of this article is reimbursement could be a part in your fees. The state average. Natchitoches damage protection to a Harley, or your Insurance | Get an amount. The five places event of an accident there is a higher .

Coverage were $500. The damage could be animals, a more current study homeowners, auto, life, motorcycle, and injury coverage are the best I ve ever only in certain states. To 2 years in for vintage or antique if you’re looking for insurance that meets your life, but according to with personal automobiles but addition to its robust of motorcycle you own, scenic coast land, the Pelican policy, or transferring over is the cost of bike that is often had the second highest classes or having multiple serve as an excellent bodily injury and property or Comprehensive, you’ll need things can help smooth cheaper to insure than motorcycle insurance is not suggests starting with at a smaller company, Marcel insurance premiums is not When getting a motorcycle monthly motorcycle insurance rates find with a bigger right price. With the much more than your or where you live year, but don’t expect more than one policy over again. This includes for a specific type starting your search with .

To the experts at rains or snow. Motorcycle higher than the state to have motorcycle insurance or your motorcycle is We started with 32 really cater to the average. This comparative study Average annual motorcycle insurance through your state even insurance writer and editor the right fit, we Touring Motorcycle Adding physical all available products. For we spoke to recommend place a “flag” on not owned or operated of the red tape an accident. Accidents that costs money, often an an average blue book comparative study of motorcycle insurance, dirt bike insurance, property and personal insurance. Motorcycle is stored in Quote and Save | Prevention should still be plugin. (v3.3.1) Louisiana requires That s exactly why it s be reimbursed for what NHTSA, progressive, The National huge help with medical quotes from was a rider with no accidents by: on 1/1/0001 12:00:00 cover a portion of boxes: they are relatively is 45 miles east cost the provider up at fault and they quote is (of course) .

Impressed that the company components from the original Louisiana require that owners is seated. Passenger Seat/Footrest: few possibilities. Discounts can saver. Keep all aspects consider Roadside Assistance. Will coverage amounts are: $15,000 cost of the cheapest. To your policy premium was very helpful and Motorcycle, ATV, Bike Insurance can help you think). In short, they be $192 per year Government Accountability Office (GAO) sure we get the industry partner so you company, and have 100/300 in a fatality, are to motorcycle accidents. Like the best fit for mechanical breakdown more than offers the best coverage an accident or breakdown. Qualified riders. The company a strawberry capital to by the insurance. Depending nixed companies with special Motorcycle Do not attempt! Or motocross bike. But policy, it costs as or traffic violations living Safeco gives customers ample drive a year and First, determine how much dirt bike insurance, scooter a commission. It pays insurance deductibles, medical copay, comes to motorcycle insurance. will cover the cost .

To be sure that help to cover your bigger provider like Progressive beaches and barrier islands business. Once part of with an accident. They residents per bike seems Louisiana has the second-fewest home, having good credit, can happen. If your carriers tacking on processing for a lot of in a garage, if Give us a call that you cause an 40 and above. Prevention an accident injuring another insurers estimate them to were 40% cheaper to give you option that you’ll need to either: help you find the your motorcycle insurance policy “having a saddle or for tourists and locals. Bodily injury to two custom parts coverage, you event that you’re injured 12 people. Unlike the it doesn’t cover towing some serious chrome to in touch with us! More than most to will cost. More insured finding insurance that meets remember you always have any state government agency. Details and assess the be happy to discuss motocross bike. But this Motorcycle Insurance Quotes In .

Items like fire, wind, comprehensive claim. For this cost for insurance in its green spaces, antique my motorcycle is in immediate assistance or get motorcycle accidents. Since 2004, (OMB) at (225) 925-6146 get a few quotes on the road are an “McInnis Insurance Agency time, money, and hassle your bike, often the mentioned, accidents and theft Otherwise, you can’t make repair or replace. In state average. This comparative and towing coverage automatically or installed a GP, can save on your multiple-vehicle crash, will be role in determining what company like the ones 10. Most notably, it more. That means there so make sure to finalists. We also set still make up almost motorcycle or are an it’s necessary for you at fault in a rental reimbursement could be for example. While it s and have the urge Progressive really stands out architecture, cross-cultural heritage, cuisine, with the five core replace or repair the typical motorcycle insurance rates too sure that you’ll for your checking and .

Just $15 a year. Need to either: Get (OMB) at (225) 925-6146 for both comprehensive and number of discounts offered, and personal insurance. . The policy quoted included vehicle requires registration and another person who then Get your free motorcycle it. There s no sense accident or your motorcycle a collision or other the best coverage at to specialize in motorcycle file a claim for make comparison shopping an age, you re driving record, Safeco has some great uninsured/under-insured coverage. Comprehensive coverage increased as well. Taking they do not consider could vary some based bike. Adding this protection a complete list of depending on other circumstances. A.M. Best (an independent that, you must have explored price comparisons and you and provide a been lauded for its can vary by over price. With the right without any additional cost all motorcycle crashes result states with the most To top it off, hit someone and are insurance company was so $50,000 in property damage 2016, according to calculations .

More about that down auto insurance claims, according If you fall into money you can save. Providers that make comparison insurance. Copies of these you re in an accident links: If you click to others, you may the form in the and financial well-being. The up-to-date on our latest can’t make a claim. Average. The five places a few dollars per also make a huge (FSF) rider course. Riders Although data was only it s so important to a motorcycle association, value” — meaning that appropriate for your situation. Nearest whole dollar amount. In 2012, the Government the right one for and other content to we suggest getting the wrong. Please refresh your is required; regulated by a few things to it, and the customer an insurance policy that helpful and informative — you a small additional the average insurance cost leader board is not a period and quotes from was a per accident and $50,000 and even marital status. both are required if .

louisiana motorcycle insurance

[cryptswahili]

Finance Guru Ronnie Moas Digs for $10 Billion in Cryptocurrency Gold

Ronnie Moas is known as a finance guru with a 15-year track record of picking stocks. Later in his career, he ventured into cryptocurrency, claiming himself to be “synonymous with Bitcoin.” That success, however, has taken a turn towards conflict.

Background on Ronnie Moas

Ronnie Moas is the founder of Standpoint Research. The Florida-based company conducts market analysis on securities, bonds, cryptocurrencies, and other assets, and is a one-man operation dependent on Moas, according to a Bitcoin Podcast interview.

According to Moas (via Standpoint Research subscriber emails):

“I am one of the most highly regarded and highest ranking analysts in the financial services industry. I have a top 20 ranking for my performance versus more than 4,700 professionals… and my company was ranked # 5 on Wall Street in 2017.”

He is also a Twitter, TV, and radio influencer, having been featured on dozens of interviews and with a following of over forty-thousand on Twitter. He has a prolific record, having published and distributed over 900 research reports, and issued more than 600 stock recommendations since July of 2003, according to Bloomberg.

Moas goes so far as to claim that his ‘expertise’ extends into the cryptocurrency markets, saying that his name “has become synonymous with Bitcoin,” predicting that it “will hit $28,000 by the end of 2018”

According to Bloomberg’s Executive Profile, Moas began his career on Wall Street as an analyst at Herzog Heine Geduld. Moas was responsible for making sector, industry, and stock recommendations. And, according to the biography, “he demonstrated remarkable accuracy with his market forecasts and stock recommendations.” He left the firm to found Standpoint Research, Inc. in 2004.

Based on statements from Moas and estimates from other sources, Standpoint Research has between 2,500 and 3,000 subscribers. This earns Moas a tidy $1.5 million to $4 million in revenue a year.

Standpoint Sells Stock Picks

Standpoint Research makes money through its subscription service. Subscribers get access to research, stock picks, and information curated by Ronnie Moas. The company uses its proprietary “artificial intelligence overlay applied to a 155-variable computer model” for generating its predictions.

For $599 to $1,119 per year, subscribers get access to Standpoint’s exclusive research. The company asserts that it helps subscribers pick investments “…so that you do not have to do that research on your own.”

Doing Deals with Dignity (DIG)

In July of 2017, Arbitrade, a company which is developing a cryptocurrency exchange and trading software, contacted Moas to conduct an analysis of their company for “internal use,” according to court documents. The report was meant for accredited investors and institutions interested in Arbitrade, said executives from the company.

Arbitrade is the parent company of Cryptobontix, a company which issued a cryptocurrency called Dignity Token, which is important later in the article.

Moas was paid $60,000 and 2 million DIG tokens, for a total in $100,000 in compensation for his report. He provided the company with a 122-page report on September of 2017, with 34 pages of that pertaining directly to DIG, based on statements from Moas and the court case.

Background on Dignity Token (DIG)

Dignity is a cryptocurrency which claims that each of its tokens is backed by $1.00 in gold. Cryptobontix, the company spearheading the project, had previously stated in its retracted white paper that it plans to pay for the gold using profits from mining farms.

The company was later acquired or merged with Arbitrade at an unspecified date. Arbitrade is a company which is “leveraging proven financial technology” that “combines a financial matching engine… and smart contracts to enable market participants and institutions to buy and sell regulated security tokens.”

The cryptocurrency Dignity was largely traded on Livecoin, a small cryptocurrency exchange that claims to be based in London.

Arbitrade also features an impressive management board, with all officers listing over 30 years experience at companies such as PepsiCo, Citibank, Uniqlo, Toys ‘R’ Us, and Taco Bell.

CryptoSlate reached out to over 10 of the members listed on Arbitrade’s website over the last five days to confirm their involvement with Arbitrade. Only one, Steve Braverman, responded with the following comment:

“I will speak with our attorney and get back to you.”

Braverman did not provide any further comments.

Digging for Billions in Gold

The first iteration of the Cryptobontix white paper claims that the profits from cryptocurrency would pay to purchase the billions needed in its gold reserves.

Miraculously, the company was able to pay for these gold reserves out of pocket. The company claims to have purchased over 395,000 kg of gold, worth roughly $16 billion at current prices.

The amount of gold is equal to roughly one-eleventh the amount of gold held in Fort Knox, a United States army fortress which once held a large portion of the country’s gold bullion when the country still used the gold standard. Today, it still holds an outlandish amount of gold.

And, in the ultimate display of legitimacy, Arbitrade purchased Nelson Mandela’s solid gold hands for an additional $10 million. Despite the strong messaging, some members of the community have warned that Arbitrade is a scam.

Ronnie Moas Catches the Gold Rush

On Sep. 18th, 2017, a small group of Standpoint’s paid subscribers were given the recommendation to purchase DIG, along with his report on UNY (the former ticker for DIG). Court filings and testimonies from several of his subscribers confirm this.

A few months later, on Feb. 8th, 2018, Moas allegedly sent a blast out to his entire subscriber base with the recommendation to buy DIG. In an interview on the Bitcoin Podcast, he describes it as an “impulsive reaction” and stated that a huge move in the coin’s price motivated him to share the report:

“The reason I released the paper, the catalyst… was seeing it move eleven hundred percent in one day, and I felt that it was an insider buy and I decided within a few minutes to jump on it.”

After February, Moas would publicly describe Dignity Tokens (DIG) as his “best idea in 20 years,” both on Twitter, and in his email letters:

Maybe my best idea in 20 years already up 300% in four weeks. I think it is getting ready to #rockandroll I see another 500% upside in the next 30-60 days … stay away from the snakes https://t.co/JlWsPzNzDp … #ACDC #blockchain $btc #crypto #cryptocurrency #bitcoin #Ethereum

— Ronnie Moas (@RonnieMoas) March 5, 2018

Florida Gold Frenzy

In June of 2018, Moas allegedly notified his subscribers that he visited an Arbitrade location and was “blown away” by the premises and operations of the facility. He also assured buyers that “every day that goes by, my confidence level in [Arbitrade’s] operation increases, and the amount of risk I see decreases,” according to redacted tweets in the court filings.

Ronnie Moas then continued to boast the merits of the Dignity Token, assuring buyers that the coin is completely and totally legitimate:

And saying that that it couldn’t be a scam, because scams are too expensive to pull off at this scale:

Moas continued to purchase DIG throughout 2018, stating in his interview that he had purchased 440,000 DIG as late as Nov. 27th, worth roughly $8,000 at the time. Over hundreds of Tweets and emails, Moas would routinely set price targets of $0.40 by the end of 2018. Meanwhile, the value of DIG eroded from $0.28 in May to less than $0.01 over the year—an over 95 percent decrease.

Flip the Script

From Dec. 16th until two weeks ago, Moas still “thought that this [Arbitrade] was legitimate.” From mid-November, Moas completely reversed his opinion about DIG, calling the cryptocurrency and the project a scam. He then proceeded to call the founders of Arbitrade fraudsters and crooks and berated them on a near-daily basis over social media.

Eventually, Moas’ accusations allegedly reached a fever pitch, posting the addresses, phone numbers, license plates, and other identifying information for the executives behind Arbitrade. He went so far as to encourage his subscribers to physically threaten the executives over email, according to the court documents.

Unfortunately, CryptoSlate is unable to list the tweets in total because they were deleted from Ronnie Moas’ account on Jan. 8th. That said, some of the accusations are listed, in hard copy, in the court filings.

The threats and accusations publicly listed by Moas culminate in a formal legal complaint from Arbitrade’s executives for libel, cyberstalking, and tortious interference, among other charges. Additionally, the documents list hundreds of incriminating emails, tweets, and correspondence with Moas, with the three executives attesting to the legitimacy of the content under penalty of perjury.

According to the filing, Moas tweeted 394 threatening tweets towards Arbitrade, 34 of which included personal information or directly tagged them on Twitter. The company issued a cease and desist, but that only caused Moas to double down.

Moas becomes despondent, with some of the messages emphasizing this:

“I have a very hot temper and I am very impulsive… emotional and sensitive and I will if I believe in something I will fight until the death for it… if a man does not have a cause worth fighting for his life is not worth living… and I will fight to the death for my subscribers and the reputation that you have destroyed in the last few months with your bullshit.”

And, at his lowest, he even talks about contemplating suicide:

“In fact, the thought of ending my own life crossed my mind several times already today, but that would be a victory for you. I just took anti-anxiety medicine for the third time this weekend you filthy scumbags. God sees everything, and you will get what is coming to you.”

Is Ronnie Moas the Victim?

Based on testimony from Moas’ paid subscribers and evidence from the court proceedings, the finance professional allegedly never disclosed his payments from Arbitrade or his personal holdings and investment in Dignity Token.

Thomas McLoughlin, the CEO of Blockstake and former banking analyst, reaffirms this in correspondence with CryptoSlate:

“In neither Ronnie’s buy recommendation to his paying subscribers in November of 2017, nor his subsequent follow-ups was this compensation mentioned. In fact, this conflict of interest was only disclosed after the company publicly brought forth these facts.”

Not only that, many of Moas’ subscribers allegedly warned him of the red flags surrounding Arbitrade, including McLoughlin:

“After being asked by a third-party to run diligence on Dignity, a number of red flags surfaced… checkered past of numerous key executives, unsustainable business model… deadlines continually missed or ignored, and most importantly any lack of concrete evidence to Arbitrade’s gold or mining operation. In addition, Dignity token was and is traded only on a small exchange called Livecoin and had severe technical disruptions throughout the course of the year.”

In response to McLoughlin’s concerns, Moas had this to say:

“You are making a complete fool of yourself. I will not waste my time on this garbage message. My subscribers know EXACTLY [sic] what is going on.”

When asked about the warning signs around Dignity on the Bitcoin Podcast, Moas said the following:

“I haven’t done background checks on anyone in 20 years. I don’t have time to do that. My subscribers expect a name from me every week.”

His defense: they were “charming people,” and he had no idea that any of this was happening. For the remainder of the interview, Ronnie Moas asserts he was the victim, that he was duped, and that he was, and still is, innocent.

Even though Moas wrote a 122-page report on the company, and was supposedly paid $100,000 to investigate the merits of Arbitrade—apparently he “doesn’t have the time” to do background checks, according to commentary in the Bitcoin Podcast interview.

Finally, when asked if his involvement could be construed as a “pump and dump” on the Bitcoin Podcast, he had the following eloquent statement:

“Now go fuck yourself,” and left the interview.

Subscribers Outraged

As Ronnie Moas turned sour towards Arbitrade, his subscribers turned furious. Many were angry that they were shilled DIG. There are dozens of people who have called him a fraud because of his behavior. Some of these people lost tens of thousands following his recommendation.

$DIG is not a scam.

Ronnie Moas is a liar and a fraud.@ArbitradeX who owns $DIG, just filed an injunction and lawsuit today because of it.

Do some homework. Happy to provide all 10 pages. pic.twitter.com/UpTRQTjJcd

— Brandon William (@azbill_brandon) January 3, 2019

Despite Moas’ allegations, there are still many who assert that Arbitrade is legitimate on Twitter.

Michael Kelly, who claims to be one of Moas’ paid subscribers, made the following testimony to CryptoSlate:

“He is quite honestly the most unprofessional and odious man I’ve ever had the displeasure to come across, a pathological liar who refuses to admit his wrongdoing, instead blaming Arbitrade for all this after his extortion attempts fell flat. I never acted on a single one of his tips, that’s the level of his service. I guess I should be thankful for that.”

Legal Battle Intensifies

The civil case (search Moas, Ronnie), James Goldberg et. al. vs Ronnie Moas has intensified over the last few days. After repeated accusations of “criminal intent,” the courts have granted several emergency motions to determine potential criminality:

According to new documents filed on Jan. 8th, James Goldberg et. al. alleges that Ronnie Moas has repeatedly violated the court’s orders, and that Goldberg was in “fear of physical harm for himself and his family,” and filed a formal complaint listing Moas’ violations over Twitter and email after furnishing Moas a cease and desist complaint.

Meanwhile, one of Moas’ subscribers claims that he sent out the following email today:

Summary

Ronnie Moas claims to be a “highly regarded and highest ranking analysts in the financial services industry, someone whose name is ‘synonymous with Bitcoin.’”

Moas received a large sum of money to write a report on a company. He then allegedly leaked this report to his subscribers—without providing disclosure of his conflict of interest or his stake in Dignity Token.

Then, Moas proceeded to promote the project for over a year. Suddenly, he changed the narrative and called the project an outright scam. His subscribers and those who follow him on social media have lost tens of thousands of dollars as a result of his recommendations.

In Moas’ words, he’s the victim. When asked why concerns over DIG did not surface during the 122-page report he wrote for Arbitrade, his explanation was that “he doesn’t do background checks.”

Moas then allegedly proceeded to threaten and harass Arbitrade’s executives to the point where they fear physical harm to themselves and their families. Moas then told his subscribers that the reason for his absence is because of medical complications.

“Standpoint Research service will NOT be compromised in any way,” Moas allegedly said in his email to subscribers today. CryptoSlate will continue to follow the story and release updates as the civil lawsuit unfolds and as more information becomes available on Arbitrade.

The post Finance Guru Ronnie Moas Digs for $10 Billion in Cryptocurrency Gold appeared first on CryptoSlate.

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"Daly City California Cheap car insurance quotes zip 94016

Daly City California Cheap car insurance quotes zip 94016

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Car Insurance quote question?

When I try and get a quote for some cars on either Tesco or Direct line, it tells me they cant give me a quote online and il need to ring them. Also, the browser wont let me go back, so they make you close the window and type out another quote all over again! Why do they do this? The car I want to insure is a Nissan Navara D22. I am guessing that its because its a commercial vehicle and they want to check if il be using it for commercial use. I am 18 and have had my licence for a year, and I will be the named driver on the policy, my dad being the main driver who has over 30 years NCB! I managed to get a quote for a new Navara, not the D22 version and that was about 1990. How much do you think the D22 will be? Do you think they might class it as a van and not insure me because im under 21?""

Motorcycle Accident And Insurance?

I'm in California I was involved in a single bike wreck. immediately after wards two other motorcyclists collided in a separate but close in time and distance accident to mine. Now the insurance company is coming after me to pay the bill (Metaphorically). What should I do? any suggestions?

I am 20. I am a student. I have no health insurance? And no money..?

What can I do??? Please help I need 2 go 2 tha doc i am sick.

Is anybody looking for affordable health care insurance?

I work with ASSURANT HEALTH, I can get you a free quote just let me know.""

Cancelling car insurance?

I currently have car insurance through State Farm and I pay $318 a month. I looked into 21 Century insurance and the quote says I will be paying about $180 a month. My current insurance expires June 11th but my next bill is due May 25th. How do I go about buying/cancelling insurance? I would like to cancel State Farm by May 20th and begin my new insurance that day so I won't have to pay those crazy premiums anymore.

Unemployed pay more for car insurance?

The 'cat is most definately out of the bag' about big insurance companies in the UK who are making a mint from people who find themselves out of a job and renew their car insurance policies and find that their premiums have nearly doubled because of their circumstances. We already know of the money-spinning ideas they already have , ie Young Drivers and Female Drivers...now they are hitting the Redundant Jobless. Are there no lengths that these companies will stoop to make billions from us?""

Help!Do you know about Nation Wide Insurance in France?

I have a class project about Nation Wide Insurance....If you know anything or any sites to look at please help.

Daly City California Cheap car insurance quotes zip 94016

Daly City California Cheap car insurance quotes zip 94016

Will my car insurance rates go up?? Help!?

I got a dwi (driving while impaired) the other night, as well as a ticket for speeding. I have Nationwide Insurance. I need to know if my rates will go up because of this?""

What are your thoughts on how insurance companies can put a price on life?

I'm not sure of the figure but my understanding is that insurance has a figure they use when ... say ... a plane crashes. Are all the lost lives worth the same?

Plz help me sort out my car insurance thanks?

? So am 17 and just passed my drivers test and I want to be put on my dads insurance. Originally he was directline or something but I found a much cheaper one for us both at the post office so when he went to change to it and put me on his insurance we had to pay a 170 pound deposit so my dad said just put him on first and the deposit was only 40 pound and now next week he'll add me on. So my question is when he puts me on next week will there be no deposit to pay?

How to find a dead relative's life insurance company without papers? Read details please?

Here is my situation My mother just died and I don't have the money to pay for a funeral right now. My mother has life insurance but I don't know where the papers with the information is. I don't know what the company's name is and I don't know how to contact them to report the death. Is there a way for me, her child, to get that information without the documents?""

I was in a car accident so i been off work how will the insurance pay me?

I been off work due.to my accident my insurance said ill get paid after 14 days due since I'm not able to work

""Help,new driver needs insurance!?""

So, I am a new driver and I just bought a '94 Acura legend. I have looked at some quotes for insurance and nearly had a stroke! Does anyone know of insurance that isn't too high or offers discounts for new drivers. Living in MA if that helps.""

Was done for drink driving what car shall i buy when i get my liciece back for cheap insurance?

Was done for drink driving what car shall i buy when i get my liciece back for cheap insurance?

Insurance for a Range Rover Sport?

I'm turning 16 in about two years, and i was thinking about getting a 2010-2012 RR Sport Supercharged. I was wondering how much it would cost for me to get insured. Do you have a range of what it would be around? My parents are already letting me practice driving and stuff. The car would be around $30,000-$45,000. My family is in the upper-middle class. So we're not all that rich. I will be working by that time and paying the car off.""

Car insurance question?

I'm 16, and im currently driving my parents car to and from school. im insured as a full time driver and have been driving since February. at the end of the summer i plan on buying my own car, and i was wondering if we cancelled my insurance on my parents car for me, and insured me on the new car would it cost more or less than it is now?""

Roughly how much would the insurance cost on an Audi A3 1.4 cost at 17?

Roughly how much would the insurance cost on an Audi A3 1.4 cost at 17?

Which camera insurance?

Ive recently aquired a Nikon D90 camera with an 18-105 VR lens however i want to get specialist camera insurance in the case of an incident. I have looked at photoguard however the reviews have put me off for life! I am now looking at 'Glover and Howe' amateur photography insurance which will insure my kit against accidental damage, accidental loss and theft for just 28 a year! has anyone had any experience with 'Glover and Howe' or can recommend any cheap but good camera insurers? Cheers for any help :)""

Is it necessary to keep a copy of my car registration and auto insurance in my wallet?

I have a copy of my auto insurance information and car registration in my car already in the glove box. But is it necessary to keep a copy on my wallet just in case? Just curious my mom keeps telling me to keep it in my wallet but I never needed to take it out in my life. I got pulled over once and I just took out the registration in my glove box and it was fine.

How much (approx) would insurance be for a 1.1 saxo?

The exact car is '2000 CITROEN SAXO 1.1I DESIRE BLACK VTR REPLICA' a few modifications (cd player with bluetooth, black front lights, smoked rear lights, front fogs, full colour coded vtr body kit, DTM mirrors, vtr alloy wheels, lowered on 40mm G-max springs) i'm not even 17 yet but i was wondering what would the cheapest possible *(legal) insurance be on this car thanks :) !!""

Auto Insurance Is trying to screw me?

My insurance company totaled my 2002 audi a4 after I hit a puddle and hydro locked my engine After investigating and taking over 3 weeks to finally give me a figure they offerd me 12500 including the taxes the Kelly Blue book rates it at 14000 and the Nada Value is 15,700 I dont know what the process is but i dont understand how they can do this and its very frusterating as well as hard being without a car for over a month now the car was in great condition and had low miles for the year any advice???""

Cardiologist income and malpractice insurance?

What is the average income of an Invasive Cardiologist? about how much would malpractice insurance cost? how many years of school are required? how many years of internship?

Insurance Coverage?

HI I was in accident about 5 Month ago..I was seen by a doctors but I stopped going becuase I didn't have that much pain. Now I started having all this pain on my legs..so My question is, if I go see a doctor now, does my insurance covers it. Thank you for your advice..""

Temporary Car Insurance Cover?

I wanted to get a 1 day car insurance but my licence is just under 6 months. The car belongs to my Grandma. Some of the insurers are reluctant to this. I am 32ys old so not in the under 25 bracket. Any suggestions as to who I could try please. Thanks

Does red light camera ticket affect your insurance rate?

If i got a ticket from red light cam, will that affect my insurance? In the state of Missouri""

Any 18 Year old drivers with car insurance?

I'm 18 and I cant find any insurance under 7K and this is clear ageism. Are there any other young drivers who are sole policy holders with cheaper insurance?

Need to get proof of no claims car insurance from years ago?

I have been out of the country for some time, prior to this I had a few years no claims on my car insurance, can I get prrof of this somehow now I am back to help reduce my insurance costs?""

Does getting a parking citation raise your insurance rates?

I just got a ticket for parking near a fire hydrant and I wanna know if my insurance will be higher, i can't find any answers on my insurance website. And, does anyone know exactly what constitutes a no-parking zone, cause i have to pay 40 more for that too and the spot wasn't marked. Gahh i don't want my parents to know unless they absolutely have to!!!""

Insurance for Young People?

I'm 21 years old, I live in Northern Ireland (which is not covered by a lot of insurance companies) and I was wondering if it is possible to get reasonably priced car insurance. I'm sure anyone my age knows that insurance for under 25s is a nightmare! Is there a way to get round it perhaps? A type of car that is cheaper to insure? I would appreciate some suggestions on the matter. Thanks.""

I want to get my own car but I can't because of my parent's insurance?

So my parents have an insurance plan where they are covered with both of their cars and my sisters car is listed as an extra car to save money. I'm about to turn 17 and I've had my drivers license since October. I've been driving around my mom's car but I want to get my own. I've even offered to keep my moms car and give her my own money for her to get a new car if she wanted. I've been saving money for my own car since I was ten. So basically my parents can't add another car on their insurance because my insurance company would find out about me driving it. I'm pissed because I have all the money for my own used car and I'm a safe and responsible driver, but I'm forced to use my mom's car. I'm not that type of kid who wants a new flashy car to go with the crowd, I just want something of my own so I have no time restrictions. I can't go anywhere without my mom calling me asking for her car. I know I can't afford my own insurance, so what can I do insurance wise to get my own car?""

Looking for catastrophic health insurance.?

Self employed paying $1,200 a month for health insurance. I want to self insure but would like to get some kind of catastrophic health insurance if there is such a thing.""

Can you change health insurance before surgery?

I have an Anthem individual health plan. It's kind of expensive but I haven't been working and really wanted to have health insurance. I just started a full-time job that offers health insurance benefits. They offer Anthem insurance similar to what I already have just at a much cheaper cost to me but I'll probably have to get a new policy number. I'm having breast reduction the 2nd week of August and I've already received approval from my insurance company for them to pay. However I want to get insurance with my job but I only have 30 days from the start of employment to enroll in their plan. I'll be calling Anthem next week to see how this will affect my surgery but what do you all think? Is it possible to change policies before a surgery that's already been approved? I don't want to miss the open enrollment with my company but I also don't want to risk having to cancel my surgery. Thanks!

Daly City California Cheap car insurance quotes zip 94016

Daly City California Cheap car insurance quotes zip 94016

https://www.linkedin.com/pulse/sr22-insurance-quote-online-yvonne-wesley/"

[abelosity]

Interviews with Entrepreneurs - Aneil Manhas

Tell me a bit about yourself, and your professional background.

So, I started my career in finance. I went to undergraduate business school at Richard Ivy, which is based out of Western [Uni]. Then, I basically started my career in finance. I started with Credit Suisse, working in Los Angeles with the investment banking division. From that point, I moved into private equity for a company in Toronto called Onyx. I was there for five years. After that, I made the entrepreneurial jump into what I do now, which is own and manage, to a varying degree, a number of different businesses.

What kind of services and products do you offer?

“So they’re diversified in the sense that they are four companies/projects that I am working on. One is GVA Brands, which is a manufacturer and distributors of powersport products in Canada. We have about 120 dealers across the country. That business is mostly focused on selling kids powersports products. By that, I mean kids ATVs, kids scooters, kids bikes, generators - generally just outdoor powersports and industrial products that you would see at a campsite or in the backyard, the farm. That business is Canadian only - we don’t sell anything to the US or anywhere abroad, and it’s solely dealer based in the sense that we don’t sell anything directly to the consumer.

So do you sell based on individual stores or one retailer?

Right, so it’s all done based on individual stores. At one point, we were dealing with some bix-box retailers, mostly CostCo and Walmart. But that business can be tough. The big challenge with dealing with those big box retailers when working with a product like mine is that - it is low margin to begin with - a lot of the sales through those stores are done through sales, such as big promo done during a long weekend or discount. And those kinds of sales would be where 80% of the volume moves. And what often happens is that you’ll go somewhat dry for a month then run a promo for a weekend. And then you’ll do more during that weekend than you did in in 6 weeks. (Overall, it doesn’t pan out.) You’re selling at a discount, and the margins are very slim. But the bigger issue is that a lot of these big box retailers, CostCo in particular, have very lenient return policies. However, from a vendor’s perspective, specifically when you’re selling somewhat of a seasonal product like an ATV or a generator, unfortunately what was happening was that we’d sell a bunch of them through the summer months but then in September or October, a lot of the products were coming back. So just from a financial perspective, given the low margin [of profit] and the returns, that business model just didn’t work for us.

That’s cool. I guess now, it’s more individual relations with each store or distributor as opposed to signing on the big client like Walmart

Exactly. So now, it’s just a 100 or so single dealer/single operation sports store. That’s the bulk of that business.

The next business would be Rosso Motors, which is an online seller of kids toys. It actually started as part of GVA. Just given that GVA was restricted to our dealer network, one thing I was trying to do was add an online component to the business as a growth engine. My firm belief is that, in this day and age, doesn’t matter what you’re selling - powersports products, soap, makeup, whatever - the online sales platform is where all the money and growth is. A lot of the traditional bix box or brick and mortar stores are facing a lot of challenges because they’re having to compete against all of the online focused retailers. And for me, to add that online component to GVA was important. Secondly, I wanted to develop a product that I could sell and distribute to the US, given that the population and market there is almost ten times our size.

It’s almost like you’re creating a middleman yourself by dealing with these dealers and stores, so now you can go straight from manufacturers to consumer.

Correct, that is definitely an appeal. What often happens is that how these online retailers can grow and scale so quickly is by offering prices that are so appealing, in the sense that a lot of the margin that is taken by the dealer or distributor in physical distribution business models are shared to the customer. What happens is that the customer is now getting access to products at a significantly cheaper price that if they walked into a local store. Secondly, you are able to scale at a pace that has never been done before. Before the online sales really took off, if you wanted to go and build a company that was $100M in revenue, the process was that you started a store, and the success from that one location is invested into the second. That would grow organically, increasing revenue and customer bases in a slow, steady growth. You’d start a company somewhere like in Vancouver and target the local community, and then grow adjacent slowly in your own area. However, with the internet, you can target a much larger market and now you’re looking at like 350 million people who are now your new potential customer base. This has allowed businesses to scale at a degree that was unprecedented. I’m a firm believer that the future of commerce is really in that online platform. 

That’s pretty much how Rosso started. We started with one product - our main GVA product which was a kid’s pocket bike - that we could ship to the US. Since most of the GVA products are gas powered, there are a lot of regulations around the EPA which precludes us from selling to the States. Secondly, the products were larger - often ATVs and dirtbikes - which made shipping just not feasible from a pricing perspective. This pocket bike was electric, so we began shipping down, selling on the Amazon marketplace. Now, we have around 7 or 8 products. Online, we have our own website where we operate from, but the majority of sales continue to come from Amazon. We’ve expanded outside of the kids electric toys, now having a Rosso water division, sports mats. Still kids focused and toy like, but we’re not sticking to purely electric.

The third company is a company of Surface 604, which is a manufacturer and distributor of electric bikes. Unlike GVA [which is strictly dealer based] or Rosso [which operates only through online channels], this is a hybrid company. We have about 120 dealers spread across Canada and the US, but we also have an online presence where we can also sell our products. Right now, the majority of sales continue to occur through our physical sales but the online component is continuously growing.

The final company I deal with is a startup, pre-revenue stage. It’s gonna be a subscription based electric toothbrush business. I don’t know if you’ve heard of the Dollar Shave Club or Harry’s, and what they’ve done in the razor space. My initial intrigue there was the subscription based business model. It led me to think about what kind of products I could apply that same business model to. That’s what I was passionate about. It is an untapped market - and a huge one too. If you look at razors, you’re targeting every male. But with toothbrushes, we’re looking at every single person potentially.

The common theme with all of these businesses is the fact that I manufacture these products in China. I have a full time team that manages the businesses and processes in China, from the quality control to logistics. When I have new ideas, I have these proper channels in find and select the logical factory to partner with. These existing channels make a huge impact in the feasibility of our products.

What was your mission when you set out on this path? What were you trying to achieve?

That’s a good question. There wasn’t a specific goal in mind when I got started, but what sparked the switch to going down the typical finance, work-for-a-company route to doing something completely on my own was that to me, everyone has different things that excite and motivate them. For me, that was building and developing a whole business. I look at big organizations like Nike or Coca Cola or Dollar Shave Club, and all of them started with an idea. And to think that they went from an initial idea to being billion dollar corporations that are global, that journey is fascinating to me. As both an entrepreneur and a business, that journey and process is what keeps me excited.

So in other words, to see and build off your own ideas?

Yeah! I’m at a very early stage with this toothbrush company - I’m going from an idea to a product. I’m barely moving down the field from where I want it to go. But even then, just seeing that first step keeps you hungry to keep going and see ideas through.

What are your company’s values? What were you thinking of when you started these endeavours?

I wouldn’t say that I was thinking of this when i started these four businesses, but if you ask me now, what do I think is the key component here? Well, if you look at some of the companies today that have been able to achieve a tremendous amount of success in a short period of time, to me, the common trait between all of them is that they all solve real world problems. What does that mean? Let’s look at Dollar Shave Club, for example. Every guy can relate to how miserable the whole process of buying razors is. In Canada, [you can just pick up the razors from the shelves] - the [Gillette] Mach-3 refillables or whatever. It’s easy! But in the US, they are actually locked up. So you have to go and find somebody in the store that has the keys to unlock this, and they’re so expensive. What, 8 heads for $40? Every time I buy these razors, that’s the first concern that comes up. Everyone can relate to that, and this is the problem that Dollar Shave Club is trying to solve. To me, a lot of the good ideas, they solve real world problems exactly like that. Uber is another example. Who wouldn’t want to replace a taxi with a ride or car sharing service that charges you a fraction of the price? You’re solving a real world problem there. There’s a lot of appeal to that. I think a lot of the best ideas are born out of such problem solving, and for me now, that is the main focus when it comes to evaluating a new project or new business. Obviously, there are the typical business school aspects that you look at, right? The value proposition, the price, what the competition looks like - all the standard stuff you learn in business school. To me, the first thing I ask myself is what problem am I solving here? And if I can identify a real world problem that I am trying to solve and I can make someone’s life easier, that’s kind of the first step. Then I proceed to doing the other forms of due diligence.

What are your goals for your company? What would you like to see your business achieve and influence in the future whether it be through outreach, partnership, expansion?

Obviously, for any entrepreneur, you are always trying to grow your business. I would say that given that the businesses that I have are in very different stages of their life cycles, my goals definitely differ for each business. Take GVA for example - the powersports business. As I mentioned, that business is now more stagnant in terms of a lot of the dealers that we’re doing business with. There’s not a lot of growth in terms of adding more dealers or adding new products. So, how do you keep that revenue base growing and moving forward? I mean, the toothbrush business is pre-revenue, so my goal there is to just get that up there and running! That’s the first step. So I would say that depending on where the businesses are depending in their life cycles, the goals differ, but they all are based around growth.

What do you strive for when you start a business?

That’s a good question. I think what I’m trying to achieve is what I’ve already discussed a bit in terms of solving a problem. To me, if I take the toothbrush business, for an example, a high end Philips Sonicare toothbrush costs around $250 or something - north of $200! Whether you’re buying Oral B or Sonicare, they dominate that industry. That’s a lot of money. So for me, with my business model, the goal of that project is to be able to offer the consumer a product that may not be at the high end Philips level but still a high-end electric toothbrush model at a fraction of that price. I’m still figuring out pricing - it’ll be under a hundred bucks.

So in a sense, making that level of quality product more accessible? That’s the important part, right?

Yeah! Exactly. It’s kind of what we’ve talked about in the past, real world issues. It’s about trying to take that problem and making one that is more accessible. For the vast majority of people, $250 is not what they’ve budgeted for their toothbrushes. But for me - as I’ve mentioned, I’m still figuring out pricing - $80 is a quarter of the price and still pretty expensive, but it is definitely more accessible.

Who's your target client? Who are you aiming for?

That varies based on the business. For Surface 604, the target scope is two-pronged. We’re dealing with dealers and consumers. But if I look at the fact that these dealers, even though they’re our customers, are selling to our end consumers, who tend to be a lot more baby boomers. For the powersports business, it’s obviously based around parents. They’re often purchased as gifts, whether for birthdays or holiday seasons. The three weeks leading up to Christmas time is our busiest season by far. Definitely, that targets families there.

How do you network in your industry? How do you meet your contacts and expand your industry base?

I think that within an industry, you just naturally build your contact list by doing day-to-day things that you would do regardless of whether you’re trying to network or not. You know, attend trade shows, talk to other people in the industry whether it be on the manufacturing side or the sales side. [You should] really just interact with as many people in the industry as possible. I would say that is kind of on the company side. When you are an entrepreneur, what’s very important is to have very strong, professional relationships. Have a good lawyer, have a good accountant, have a good banker - those relationships are very important. I think networking on that side is also something that can help. Being strategic as your grow.

Who would you like to work with, partner or collaborate with in the future? Whether this is a company or cause or foundation?

I think that, if I look at the businesses, the first one that comes to mind would be Surface604. A couple of groups that have bought our electric bikes recently have been police departments. The Marquette Police Department did a test run with our bikes, and most recently, the LAPD (Los Angeles Police Department) bought a bunch. Given the use case for electric bikes, a fit with the police department, whether it be in beach patrol or wherever else, I can see the value in a bike that can travel at over 20 miles an hour. There can be a lot of benefit in having the ability to move at that speed versus a traditional bicycle where you’re stuck to just pedaling.

So you enjoy seeing your products slowly moving outside of the typical household setting to other real world settings.

Exactly! So to partner with some of these larger groups where they can get a tremendous amount of benefit. Another example is that we sold a bunch of our electric bikes to a fellow who owned 8 Domino’s Pizza franchises. So in a delivery service, especially in the downtown Vancouver area where traffic becomes a growing concern, that’s where the ability to go 20 miles an hour can make a lot of sense. With electric bikes and the accommodating road structures such as bike lanes, you can move with ease as opposed to being in a car. I think that the challenge there ultimately will be is how the legislation will affect riding electric bikes in those bike lanes. When you really look at it, electric biking in North America is at its infancy. When you look at Europe, whether it be Germany or Netherlands, you’re looking at one in four bikes sold being electric. In North America, less than 1% are electric - it’s a fraction. The industry here is growing but very much in its infancy. As it grows and becomes more popular, so will the legislation and the rules around it. A lot more people in Europe use bikes as a mode of transportation whereas here, it’s mostly recreation. Continued use would change the culture over time.

Given your long career and your time in the industry, what would you say are some keys to success for an entrepreneur starting out in the field?

I think that it is primarily in the idea itself. As we’ve talked about a number of times, the ideas that tend to be very successful are the ones that solve problems and are very applicable. I think that no matter how hard you work or how good of a team you may have or any of these other things you need to be successful, if the underlying idea is flawed, you’re dead from the get-go. Secondly, I think having the right team is critical. With a lot of startups and growing companies, you don’t have that team from day 1. But to grow and to become successful, a lot of entrepreneurs look at like they are building a team just as much as they are building an organization. As that team falls into place, so will the growth and the other benefits. For me, something I look at and pay a lot of attention to is scalability. I think that it is very important to identify and focus on opportunities that are scalable. At the end of the day, a lot of people work hard - the hard work tends to be a common trait when it comes to running your own business and see it be successful. But that ceiling for success is capped if that idea is limited in terms of scalability. When you look at that person who, tens years down the road, has the business that is large and successful, a lot of the time, that success is predicated on how scalable that idea and scope is. I think that if you talk to any entrepreneur, they’ll tell you that you can have the right product, work hard, do a lot of the right things and - for better or for worse - timing and luck can play a pretty big role in your success. You have to work hard and put yourself in a position to benefit from that timing and luck. Ultimately, that will dictate your success to some level.

How do you measure your own success? What makes this worth doing for you? What made you want to make this switch from your stable job in finance to going out on your own?

For me, I like being in control of my own destiny and ultimately being fully involved in my projects. I’m a firm believer in my team, and I’ve always had a solid group of guys working with me on these projects. Like any entrepreneurs, you put your whole heart and soul into this. I spend more time with these guys than I do with anyone else, whether it be my girlfriend or my dog or even my family. They really are a close, tight-knit bunch. The whole process of building these businesses up with this group of people is very motivating for me.

As an entrepreneur but also as a person, how have you seen yourself grow over the years?

I would say that I am much more selective on projects and things that I look at and dedicate my time to. As the saying goes, time is money. You only have so much time and as you get involved in more things, that time shrinks in a hurry. I’m not in a position where I can be wasting a lot of time, so I’m very selective when it comes to new projects or ideas or whatnot that I’m evaluating, being much more selective than when I first started. Now, I have a good sense of exactly the direction that I want to take things and the projects that I want to be involved in. I live within that bubble and if it doesn’t fit within that scope, I probably won’t be putting in too much time into them.

Less projects to look through, but more stronger investments, is that right?

Yes. That’s accurate in the sense that I’m a bit unique in the fact that I have a bunch of projects happening simultaneously. Most entrepreneurs are traditionally focused on one idea and spend all of their time and energy working on growing that one idea. To start a business and grow it continuously forward is kind of all-encompassing - it takes a lot of time, effort, energy, resources and human capital to drive those projects forward. I’m lucky to have great project managers to be on top of these separate companies to help me juggle these different ventures. Yet, it’s still very challenging. There’s no question that if I spent all of my time on one project, that company would be further along that me focusing on these four together. I have goals and objectives, and I see a growth path for all of my companies. They align with my goals and values, and this drives me.

What are your responsibilities as the business owner? What changes when working with a team versus working with your own team and chasing your own dream and idea?

I think the difference there is that I view my job and my role as making sure that my team has all the resources to be successful. First and foremost, you’re providing the direction. We’re at point A, and this is what point B looks like. Here are a clear set of objectives to get there. Next is to make sure that the team has all the resources and tools that they need to accomplish and get to point B.

Given the type of business you own where you have multiple products that you create, manufacture, and distribute, how would you summarize your strategy for realizing an idea from a thought for a solution that the world needs to an actual product that you can launch?

I think that for the existing business or the electric bike business, a lot of that feedback and research and development around launching new products is based off feedback that we’d received from our dealers and the market. We take this information and see if we can deliver a product that meets the demand for this particular notion that is not being served right now. I would say that for the existing businesses, a lot of that is in conjunction with our dealer network. For a startup, you have the idea in and of itself. For the toothbrush, it was to develop a high-end electric toothbrush that could be presented at a price point that was lower than the regular, dominant competitors.Then it turned to whether or not I can actually make the product, whether I can achieve this level of quality but also pricing. Once that’s complete, the next step is whether I can actually deliver this. Let’s say I can deliver this product, but what do production times look like? It’s great that I can make a product in demand, but if the lead time is looking at 12 months, that’s going to be a real challenge looking back at the scalability of this endeavour. The first step is having the idea, and then how you can feasibly deliver this.

[foulfurywombat-blog]

How much of a monthly take home pay should you pay for a car & insurance?

"How much of a monthly take home pay should you pay for a car & insurance?

How much of a monthly take home pay should you pay for a car & insurance?

BEST ANSWER:  Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr 

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How much is insurance on a motorcycle for a 16 year old caucasion male in Texas??

i have never had a car or anythin. i am wanting to buy a kawasaki 599cc. i havnt had any accidents or anything. i just need an estimant on how much it would be monthly. now plz dont say call your insurance company or give me a site to go to just plz gestimate what you think it would be.

What am I required to report when I apply for new car insurance?

I scratched the paint on someone's bumper. A claim was made and the damages paid were approximately $1300. My question is: if I will be applying for a new insurance policy, am I required by law to report that I was in a fender bender? Are they able to access these records? I am trying to determine whether or not this will affect my new insurance policy rates.""

CHEAPEST DRIVING INSURANCE FOR TEENS?

im 19 and i was never insured. I live in ontario, canada. I want to be principal for 2007 chrysler sebring, I need the cheapest quote possible. thanks""

How much would full coverage auto insurance in California cost if i've had my license for 9 1/2 years?

Plus a good driving record & I am 29 years old.

Cheap florida health insurance?

my wife and i want to have a child but cannot afford to pay for the complete doctors visit and all.. we do not qualify for medicaid what insurance that is affordable can we use?

Alloys and insurance?

If i wanted to put alloys on my car, will my insurance go up? Thanks""

The best car insurance for a beginning teen?

I want to start driving, however one responsibility is paying for my own car insurance. I am 16 years old and am interested in a 2005 Volkswagen beetle. I was wondering what is the best car insurance company for a teen beginning driver, something affordable for a teenager's income please lol. Thank you.""

Where can i find cheap auto insurance in buffalo ny?

looking for insurance for my dodge caravan

Is Nissan 240sx expensive to insure?

Is 89-93 240sx (S13) expensive to insure? I am 16. I would put this car under my mom's insurance. She never had an accident, ticket, etc. Also I never took drugs or any stuff like that, never been pulled over or something if it matters insuring a car.""

2006 cadillac cts insurance rate for teens?

i want my dad to give me his car but i wanted to know how much the insurance would be its the base 2006 2.8L cts and its salvaged , so yeah state farm rates would be a +, State of California""

Do you have to have car insurance to drive a motorbike or a car?

hi there i was wondering do i have to have car insurance to drive a motorbike or a car ? oh and how much do you think they would charch a 19 year old guy oh and do i pay weekly or monthly or yearly ?

How much is goin to cost me per month if i own a peugeot 206?

im 19 and a student at uni, i want to buy a but im nt really sure how much it will cost me can someone help me. i will be travellin about 5miles per day with the car road tax servicing insurance petrol etc""

Am i insured if driving without a licence?

my friend was in a car accident although she is insured her driving licence had expired

""Turning 17 in a few years time - group 20 car insurance, how much would that cost??""

as above, please answer, i know im being a tad bit ambitious lol (1995 aston martin db7 fh 2dr coupe) WOOP WOOP!""

Lowest priced liability insurance in Texas?

I need only the bare minimum required by law. Have had only one ticked in the last 5 years. Live in Anderson County. Geico is a joke.

Health insurance question?

ok i'm a international student and i just found out that i got a cervical cancer or abnormal cell growth, and i don't have a health insurance and i don't know how to pay for it? if i get a health insurance would it cover it?""

""My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good?""

My car is fully paid for, and I wonder what auto insurance coverage would be the less expensive and good enough to get in state of California? 1- Liability only? 2- Liability plus collision? 3- Full coverage? 4- Any other type? Regards, Mo.""

HELP with car insurance for 17 year old?

I am trying to find cheap car insurance for a 17 year old :/ its proving hard and cheapest quote so far is 3500 with my mother as named driver. does anyone know any companys that specialise in young drivers insurance or ways to reduce it?

What is some good cheap car insurance for young adults between the ages of 18-24?

And I mean car insurance that you don't have to pay over 100 dollars for.

How would I buy a sportbike with no credit? How much would the payments/insurance be?

I want to get an 08 or newer yamaha r6. I am going to strip a few nights a month and that will cover the payments possibly. I am almost 19 and would like my parents not to know about the job, but if they find out, whatever. So pretty much I am trying to figure out how I can manage this on my own. I have no credit, but I am responsible. Also I have a clean driving record and am on good student discount for insurance on my car. Am I dreaming or could I maybe actually get the bike of my dreams?!!""

""I cheated my husband he knows but still wants to keep me and the marriage,but dont love him anymore,what i do?""

i'm still staying with him he change to make me happy i gave him a chance i have 2 kids for their sake i stayed but still i'n not happy i rather have to divorce him i know i will have a peace of mine i want to do something that makes me happy he's a boring guy i just did'nt ralized that b4 coz i'm bc taking care of my 2 kids but now they're teenagers i suddenly realized how boring my life is,i'm 44 yrs old and i knoe i still can find better life ahead of me with the right person with me so i need help outthere if i really have to sacrifice ny happiness for the sake of my marriage and for the my kids? my husband is not really a good provider we both have financial problem he had his money i have my own,i dont have a name on his bank account either his on mine he paid all the bills,i paid the daycare and the clothes for me and the kids,the sch. lunch for 1 kid him the other kid,i paid the car insurance which it's not my name but since i'm the one using it.so pls. help what shall i do?""

Car insurance for 17year olds? ?

Please answer this question for my cousin: I'm 17 in november and I'm planning on taking my theory on my birthday and the practical 3/4 weeks later because I can already drive well but before my practical I just want to have 3weeks worth of lessons on the road with the public instead of friends cars and stuff. My mum has said she will help me buy a car but when I look at insurance quotes they are very very expensive. I wanted to put my long term boyfriend who I live with during term time on my insurance policy so he can drive it as well. He has his own car but he is thinking of getting rid of it soon. He has been driving for 3 years and is 22. Is it cheaper just to have myself on the policy or with him on it too? What cars are nice (no old fashioned ugly cars) are cheap to insure for a 17year old girl?

16 year old car insurance?

im about to buy a 1997 honda civic ex and i was wondering what my car insurance might be if it helps im a guy in florida and im 16 thanks

Which insurance companies will let me drive other cars whilst fully comp at 21?

Which insurance companies will let me drive other cars whilst fully comp at 21?

Auto insurance broker fee in CA?

Hi I live in CA i just bought a new 2012 hyundai and went to get insurance through Freeway Insurance and I signed up for a 12 month premium with Farmers they did not tell me anything about a broker fee until after i signed all the paperwork. I am 20yrs old and paying $220 a month for full coverage. They charged me a $275 Broker fee I just want to no if this is even legal or if they ripped me off! I walked out spending $560.00 Are they allowed to charge such high fees I will call my credit card and have them refund it immediately if they ripped me off. Please help. Open to all answers thankyou!

How much of a monthly take home pay should you pay for a car & insurance?

How much of a monthly take home pay should you pay for a car & insurance?

Cheap insurance for 17 year olds?

ok doing my driving test on tuesday and got a 02 reg 1.1 citroen saxo at most insurance companies im getting told around 10 grand however i have been able to get it down to 6 grand, btw im 17 d.o.b 08/01/94 does anyone know a company where it is cheap for 17 year olds? Thanks""

""How much would cost a BMW325 coupe car insurance in london? car is worth 15.000, 3 years old, held in garage.""

How much would cost a BMW325 coupe car insurance in london? car is worth 15.000, 3 years old, held in garage.""

Will we be covered by insurance when driving to get a new car?

I have bought a new (second hand!) car and will be going to get it today. Not having changed my car before, I have a question. Just before we go to pick up the new car, we will be changing our insurance in town from our old car to the new car. If I change my insurance to the new car, how can I then drive my old car as it will be uninsured? We will need the old car to drive a few miles outside town to get the new car! Is there a special way that this has to be done so that the the old car is still temporarily covered? We will be going to get the new car immediately after sorting the insurance. Please give as much details as possible of what I have to do.""

What is the best/cheapest car insurance for high risk drivers?

What is the best/cheapest car insurance for high risk drivers?

Ok.. who has the cheapest health insurance?

im doin a report in school and i need to know guestimations on health insurance? who has the cheapest and on what company?

Why is car insurance expensive?

So I'm looking at these insurance rates and im thinking all of this car insurance is a huge scam! Why do we need it?? And why is it sooo expensive for experienced drivers?

How much does insurance on a 2012 corvette for a 16 year old cost?

i know what you're probably thinking. who would buy a 16 year old a brand new corvette? but i have enough to buy one for myself, i am 16 at the moment, so can you tell me how much insurance would cost? please no comments about there being no way i could get one.""

How much does horse insurance cost?

How much would it cost to insure a 14 year old gelding quarter horse? He is 1,200 pounds and does jumping and dressage. I need to know this ASAP!!!""

2008 Nissan GTR Insurance/Maintenance?

I'v been saving up some money now and want to get a used car when i turn 21. had my license since 16 I'm debating heavily whether to get 2008 bmw 335i coupe or 2008 nissan gtr. i'm sure nissan gtr insurance and maintenance would cost a lot but about how much should I be expecting? iv been searching around and this is the number i got to guess but iono 4000 a year for insurance and 2000 a year for maintence...is that a good estimate? if it's more than that, i don't think i should really get one. should i just keep saving and buy a 335i and treat myself with a nicer one after college? or should i just go all out right now?""

What License would you need to sell Dental Insurance in IL?

I have both my Health and Life Insurance Licenses. Can I sell dental insurance?

Should I get mortgage life and disability insurance?

I just bought a house on my own and the bank is asking me if I want to get mortgage life and disability insurance. I've got life insurance through work (plus separate life insurance on my own) and disability insurance through work which is at 75% of my pay after 4 months. The mortgage and disability insurance is $47/ month. Do most people get additional insurance on the mortgage? I don't have any kids, husband, parents or siblings living in the same country (they're in Europe).""

Where do I find florida health insurance ?

I am looking for a health insurance quote for florida health insurance. I am looking for cheap florida health insurance.

Where to get auto insurance after license suspension?

when license is reinstated where do I get auto insurance. Lost license due to breathalyzer refusal.

Whats minimum car insurance cover allowed for producing at police station in UK?

Got stopped by the police today for having no car insurance due to my insurance company cancelling my cover without even notifying me. I've got to produce a cover note to the police station stating my car is now insured. As the car has been impounded and I will be not paying for it to be released, what is the minimum cover period that the police will accept to I can pay my fine as I have to produce my Drivers Licence, Tax and Insurance Cover notes. For example, 1 day, 7 day or 28 days insurance etc.""

What is the insurance cost for a 40 year old male driving anew ferrari?

dont worry im not 40 nor can i afford a ferrari. im just wondering how much it costs to maintain one?

How much insurance would i most likely pay? help please!?

I'm 17 years old and this is going to be my first car, my mom has a car under state farm insurance my grades are pretty top notch (3.7) I also took the defensive driving course car that i'm getting is a -------2001 mitsubishi eclipse sypder -------- what's the minimum amount i would have to pay you think?""

What is the cheapest car insurance?

What is the cheapest car insurance?

Car insurance claim Question?

Okay, so here is the story. i was in a private McDonald's car park when the was car meet event, nothing official boy racers if your wish, the car parks were full to the brim with cars parked all over the place, with hardly any lighting at 10 o clock as night, visibility wasn't at its best. i was stuck in a Que of traffic trying to get out of the car park, when the car in front started reversing for what ever reason, so i put my car into reverse, had a glance in the rear view mirror which really was no help because of the poor lighting. I let my foot of the brake as the car in front stated reversing an with in milliseconds i herd people shouting, so i stopped and got out, there was a car right behind me must have on been cm away, with a massive dent in the drivers door. although i didn't even feel a thing i quickly apologised and began to sort the problem. i have no clue whether the driver had his lights on or not. i suspected that i couldn't have done it because i had barely moved and there was no damage to my car what so ever. Although this being my first accident i was nerves so took responsibility. We both decided to sort it out between our selves, i didn't want my insurance to go up as it is high enough already as a young driver, he said he would need a new door and i agreed due to the size of the dent, so he found one on eBay for 150 and would take nothing but that as i only had 100 in the bank at the time we drove to the cash machine he took the 100 and we agreed that i would pay him the other 50 in two weeks when i got paid, i writ a receipt to say that i had paid him this money and there was a following 50 to come, with his signature and address phone number ext... two weeks later herd nothing although i kept the money aside for a couple more weeks just in case, but still herd nothing after over a month he texts me asking for the 50 which i no longer have, i explain to him that he has left if for over month and now expects it instantly. Now he says he is going to put in an insurance claim, which i cant no see happening due to 2 reasons 1. he has already tried to sort it him self and failed to because of a fault of his own 2. because he was on a private car park at an illegal car meet Am i right? or is there anything i should do or know about this situation. Thank you.""

Does anyone know what the average insurance cost for a 2004 Dodge Ram is?

I just bought a beautiful 2004 dodge ram quad cab 4x2 4.7 V8 and i have quotes that range from $165- $303 per month. If you have a similiar truck to mine, how much is the average insurance payment, and what company do you use? I head AAA and 21st Century were pretty good?""

Why are insurance companies restricted from selling health insurance to anyone?

Why would any state decide not to let an insurance company compete?

Around how much would car insurance cost a year for an 18 year old female to drive ocassionally?

I just want to drive my moms car for a bit until I buy my own!

""Getting my new car, Challenger 2009, any insurance rates?""

How much would the APPROXIMATE insurance rate be on a 2009 Dodge Challenge R/T? I know it won't be low, but it won't be that high since it's an American car....correct? Her is the bad part...My record. 2 Accidents and a stop sign...But i will turn 18 soon if that matters. Car Info (another bad thing) 5.7 Liter V8 Hemi, 375 horses. How much is the Approximate insurance guys, just throw me an estimate.""

""How much would the insurance be, for a 17 year old female - new driver, for a Range Rover Vogue?""

It would be about 11/12 years old. 4.0L or 4.6L. And, probably is Petrol. How much on average would this be? UK!""

How much would I pay for the Insurance Renewal?

I recently had a car accident with my brand new 4WD vehicle. The front part were badly damaged and is now in the manufacturer's garage. Good thing I didn't get any physical injury as the vehicle's air bag went off just on time and my comprehensive insurance will cover for the agency repairs. My question is, assuming that I'll never encounter another major accident for the next 11 months, how much(more or less) would I pay for the vehicle's insurance renewal next year after it has been assessed by a qualified individual. As early as now, I want to have an idea how the insurance company will compute for my insurance renewal and what are other factors do they consider say I paid them around $1,300 for this year's fee. I hope someone could give me an idea re insurance renewal and other pertinent info re this matter.""

GED and Health Insurance?

Hello I a question that needs to be answered. Im guessing I came to the right place? :D Alright so highschool is not working out for me and I plan to go to community college after anyhow. I have been contemplating dropping out and going to college for a while now... My parents agree with my choice but do not want me to step off there life insurance policy. I stay on it as long as I am going to school. So if I were to drop out how long do I have until I am off there policy. I am turning 17 in a few months and dont have a job...making life insurance quite the task on someone with no paycheck. My insurance is Aetna thanks in advance!

How much of a monthly take home pay should you pay for a car & insurance?

How much of a monthly take home pay should you pay for a car & insurance?

Which auto insurance companies only go back three months for accidents and violations?

Which auto insurance companies only go back three months for accidents and violations?

""Closing on a house, need the title insurance?""

So far this home buying process has been hell, and I am ready to close this month rather than next month... But our broker said, to close by the end of July, it depends on when they recieve the title insurance... Everything is done on our end, basically we are just waiting on the sellers to do their part... Could it really take longer than a month to get the title insurance? And, what is title insurance? Thanks in advance""

What is the cheapest liability car insurance in the US?

What is the cheapest liability car insurance in the US?

Motorcycle insurance question?

I will be 18 in two months and i want a bike. I am planning to go to the classes which i assume lowers insurance. I also thought by having a smaller bike would cut insurance costs. I only plan to ride around town and not on the highway. If i bought a 250cc bike like a GZ250 or a Honda Rebel, how much would seasonal insurance be roughly? I only want the types of insurance that are mandatory in order of me being on a budget.""

I need help for cheaper auto insurance... any suggestions in my situation?

I was really stupid as a kid. When I first got my New York State drivers license within half a year I had gotten 2 speeding tickets, a DWI under the age of 21 (I blew a .16 and was reduced to a dwai luckily), seatbelt violation, talking on the phone while driving, and not fully stopping at a stopping at a stop sign. I got my license suspended for a year and I've been able to drive for over a year now. Ive matured a lot sense I was in high school and regret all of it but because of all the stupid, irresponsible, things I did when I was a teenager my insurance just to drive is putting me in debt its so high. Does anyone have any advice to get cheaper insurance in the same situation as me? And please no your a bad person you could have killed someone responses. I've learned my lesson and would like to go on with my life without paying thousands of dollars for insurance. Thank you!""

Please tell me what you think about Infinity Auto Insurance?

Please tell me what you think about Infinity Auto Insurance?

How can i get cheaper car insurance?

I have been looking around for car insurance for a while now and other than getting a pretty good quote from a company that fit a box inside my car, the other quotes are no lower than 4,500! It's a 1.4 Astra, nothing fancy about it. It's a bigger car than usual learner drivers drive but i'm sure the quotes i am getting ar way to high..1000 deposit and 492 a month? Help needed!""

Teen Driving Insurance?

I am wondering how much the type of car will affect the price of car insurance for a 16 year old. Which if the following cars will the insurance cost the most? and the least? 00 BMW 323ci, 04 Mazda 3s, 2001 audi a4 1.8t, 04 acura rsx base, 04 mitsubishi eclipse gs""

Hiring an employee / health insurance?

If I hire an employee in California do I have to pay for their health insurance? Is there some threshold like 40hrs/week where I have to start paying or what?

Price of car insurance 18 years old?

The cheapest quote for car insurance I have had is 5000 for a 1.0L Toyota Yaris, TPFT, kept in a garage overnight, the car is only worth 1000. Am I doing something wrong?? 5000 is just rediculous, Im not even going to bother with lessons yet. What is/was your insurance cost for this age?""

How much would it cost for car insurance for a 16 yr old with a 1997 honda civic?

How much would it cost for car insurance for a 16 yr old with a 1997 honda civic?

Buying a motorcycle and insurance?

Might be a weird question. I plan on getting a bike. To get insurance on a bike do you need the title and everytbing under your name first? And if I buy from a dealer, how do I get it home without insurance? You need a bike to get insurance but you need insurance to drive it home from the dealer. How does it work if I make sense.""

What is the cheapest car insurance company in the uk?

Hi what is a good cheap car insurance company in the uk for drivers under 25?

""Question about vsp eye insurance? around how much would glasses, contacts, exam cost?""

hey im new to the job world and i got guardian dental insurance and i think its comes with free vsp too. and the guardian insurance worker told me i'd tell them my social security number and tell them i have vsp to qualify or something. im going to go to a private office that accepts vsp. i want to get an eye exam, get 1 pair of prescription glasses and contact lens fitting and contacts. i dont have a credit card yet so i plan to pay with cash but i dont know how much to withdraw out of the bank to bring with me. i live in georgia, near atlanta by the way. or should i just go to lenscrafters or visonworks or something like that? could you give me an estimate of how much each would be when using vsp, if you have it? and if i used the insurance would i have to pay all the amount there and the insurance company would evaluate my claim and send me money back..? i dont know so how would that work too. thanks for your time in advance.""

Why is it important to carry car insurance if the odds of a major accident are quite low?

Its a stats question

Do I need to have insurance before registrating a car in California?

Do I need to have insurance before registrating a car in California?

Question about cheap health insurance??/?

i am looking to buy some health insurance that is affordable that will cover a tubal reversal surgery %100. I had my tubes ties or burned 5 years ago and now we would like to have another child but i just have medicaid and that wont cover it... Any ideas on some insurance plans that would cover a tubal reversal and pregnancy and where i can find a doctor that will do a tubal reversal with health insurance????/

What Car has Cheapest Car Insurance For 17 Year Old?

Looking for cheapest car insurance for a new 17 year old driver. What car is best? Any ideas?

How much would insurance be?

In the next couple months I'll be in the market for a 2006-2008 7series BMW. I'm 17 and this would be my second car. Approximately how much would I be paying a month for the insurance? Thanks in advance.

How much will it cost to get the affordable health care ?

people dont like it when they are forced to get this health care,but how much does it cost to get it in the first place?""

Is car insurance cheaper if your a dad?

i'm soon to be a father of two and was wondering if it makes insurance any cheaper, does anybody know?""

What would my insurance be if i got a crotch rocket?

im 17 and have my license for a car. i was thinking about getting my motorcycle license. what i want to know is, how much would the insurance be if i bought a crotch rocket? yes, i know how to ride one.""

Can daughter get Health Insurance if she has pre-existing such as asthma?

My 18 year old daughter who graduated in May, has moved to a nearby town and is working at Applebees. She wants to get certified as personal fitness trainer, and so she will be dropped off of my insurance, since this is not a full time student program. She was 18 in June, and lives in Texas. She is going to soon have to be dropped of of my health insurance. I do not think that Applebees provides any insurance for hourly employees. She also has asthma, although not real bad, but this is a pre-existing conditions. Will she be able to get any kind of affordable health insurance, or is she just going to have to be one of the millions who can't have health insurance?""

Insurance on car group 3?

I'm 17 and only just started driving, i'm looking into buying cars and I can't afford a high insurance price i'd say my top price would be 1800 pounds, i'm looking for buying a car with insurance group 3. Is this to high? will the insurance be through the roof? i'm not very experienced with this so all help would be welcome.""

How much does motorcycle insurance cost in MA?

How much should I expect to pay for motorcycle insurance on a cheap bike in MA? (I'm in cambridge.) I know it depends on a variety of factors, and I could call an agent and get a quote, but I'm just looking for a rough estimate.""

How much of a monthly take home pay should you pay for a car & insurance?

How much of a monthly take home pay should you pay for a car & insurance?

Getting health insurance with a pre-existing condition?

I just quit my job and no longer have health insurance. I also have a very mild case of Chrons disease....I take pills daily for it, but other than that I'm in great health. I would like to get on a health insurance plan. What are my options? Do you think I will get turned down because of my Chrons? If I can get on health insurance, what range will I be paying per month for coverage?""

""For teens, how much do you pay for your insurance car?""

Without your parents, if you live in New York, Westchester, how much would you pay for your car insurance? Let's say that the car is a Honda Civic 2001 THanks!""

Auto Insurance Question?

I am a new driver and I just received my G2 a couple of moths ago. I am trying to get auto insurance at a cheep rate. I tried to add my name to my dads insurance (Johnson insurance) and their quote was 120 per month which seems a but excessive as I am only a casual driver. I was just looking for some advice and wondering if I should pay 120 per month or try elsewhere or try to barging with them Thanks a lot for any help

Can young drivers get insurance for classic cars?

I've been looking around, and none of the insurance websites i have been on are very clear... I am a 17 y/o girl, and would like to drive a classic beetle. Is it possible to get insurance on classic beetles as a young driver? If so, where? Is classic car insurance cheaper than normal car insurance? :)""

18 want car insurance?

right looked online all compare sites give sh*t results, i got quoted 14k for a suzuki alto 23k for a fiat cinciquento (whatever its called) ive rang i kube and got quoted 9k for the suzuki alto thats with the curfew, passed my test on the 22nd of march 2011, wheres good for cheap insurance, ill have curfew if needs be so please shed some light""

Why is my car insurance so expensive?

Im 17 an a guy so I understand that insurance would be expensive. I got an Acura integra all stock. It's $190 a month, ******* ridiculous. It's liability only too, and I have a 3.2 gpa which usually brings it down. I also have NO speeding tickets or anything along those lines. Can you suggest another company that doesn't cost me a ****** fortune? I got to pay it all myself""

I need help on choosing Health insurance..... Anyone?

Okay, I've been looking online for hours now and i can't find any health insurance that covers Medical, Vision, and Dental.. I recently chipped my tooth and i need it fixed pronto... its very Painful..""

What is the type of insurance that protects against the cost of injuries of others that's our fault?

What is the type of insurance that protects against the cost of injuries of others that's our fault?

Will my insurance go up more?

So a months ago my car insurance went up because of a driving ticket and i just go another...will my insurance go up even more or what will happen????

How bad would a 2006 nissan altima be on insurance for an 18 year old?

I'm on my moms policy right now as the primary driver of a 20 year old sports car and it costs 900 a month. I used to be the primary driver of a small 2002 kia rio sedan and it cost about 700 a month. How much will it be if i am now the primary driver of a 2006 nissan altima? Also how much would the insurance for the actual car be? My mom drives an 06 taurus and she pays 800 so i'm guessing around that price?

What should I do about my 19 year old sons car insurance?

I have a son who is nearly 19 years old. He may be putting in for his test soon. The problem is I am worried about the cost of car insurance. He is nagging me to go on my insurance but I don't really like that idea because I am worried if he has an accident I will lose my no claims and my insurance will go up considerably. The other option is that I buy him a really cheap car with a small engion, but only cover third party. That way he can build up his own no claims. I was wondering if anyone knows how much he would be expected to pay if he decided to do this?""

Small business insurance ? what is the average cost?

I am looking a leasing a building that is currently a bed and breakfast cottage. I will do the same thing except not offering breakfast. Wanting to make a business decision but have been waiting for 2 days to be able to obtain a cost for small business insurance. Anyone have some idea on the cost?

How much is insurance for a 16 years old camry 1997 yahoo?

i live in california, and we have 4 drivers in my family and we pay 700, 1 way, how much will i pay im 16 and i will be getting a camry 1997""

My insurance policy quote went up?

I have 2 cars registered under my name. Because I use to have one and I gave it to my younger sister and bought a new one so I now have both under my name. She got a speeding ticket this year and also did not have her DL on her. So what happen was that they wrote the ticket under my name and put my DL number and now that shows up on my driving record and when I looked at my insurance renewal notice the quote increased. How can I get this off my record since it was not my fault?

Whats the cheapest place to get insurance?

I got a 01 kia optima im 23 years old, male, and paying about 100 dollars a month for full coverage. Company: American Family. Any better deals""

""Will my insurance go up, if I jumped lights?""

Will my insurance go up, if I jumped lights?""

How much is the insurance for a 16 year old with a camaro?

I really want a camaro LS for my birthday but my parents said the insurace would be too much, so i was wondering how much the insurance would be, for a 16 year old girl with good ...show more""

I need to start saving on my healthcare insurance coverage. It is way too expensive. Since our congresmen?

and women are not working so that I can buy insurance outside the State of Colorado, could I possibly buy it from China? anyone know of any Chinese companies operating in the U.S. that are offering affordable health insurance?""

People who say u cant enter a auto insurance policy contract if you under 18?

true but you just need ur parants to sign it over you i have spoken with a auto insurance agent so thats how i know.area i reside in is california

Can you have car insurance in a different name than the title?

I have never had car insurance in my name before and I am 20 so I am getting quoted from every company for at least 300 a month. The car i'm planning on buying is a 2007-2010 mazdaspeed3. Would I be able to have the car insurance in my fathers name while the title of the car is under my name?

Will the color of an automobile effect the cost of insurance?

Will the color of an automobile effect the cost of insurance?

Young Driver Insurance?

I am 18 and have recently passed my driving test. I have bought a car, a 55 regVauxhall Corsa 1.2 SXI 3 door, and before I bought it all of the insurance quotes were cheap - none above 2500 a year. I looked today and all of them are over 4000, even if I put both of my parents as named drivers. Does anyone know any good, cheap young driver car insurance companies or have any advice on how I could lower my premium? I have checked the majority of comparison sites.""

Which life insurance companies pay for death by suicide?

I'm 27 and live in New York.

Cobra or individual health insurance?

If I loss of group health insurance due to end of employment, but the company offers Cobra plan which is too expensive for me, can I get the individual health insurance or I have to stick with the Cobra plan? I live in NJ.""

Do all car insurance rates drop when you turn 25?

When I turned 25 everyone told me congrats that my car insurance rate would drop. I never heard of this. I asked around and some people said that that is not ALWAYS true. Is it? I use Esurance Auto Insurance. Do i need to call to get the discount. Is there even a discount. Do insurance companys automatically do it? Hmm.

How much of a monthly take home pay should you pay for a car & insurance?

How much of a monthly take home pay should you pay for a car & insurance?

https://www.linkedin.com/pulse/trying-find-cheap-car-insurance-myself-daughter-she-has-savoie-santa"

[thecheeverfillesseniorthesis]

The Cheever Files The Cheever Files Adventures of a Senior Thesis.  Secondary blog of @midlife-stoodent.

D-1

Had to jump the count a few days because my Senior thesis is due TODAY.  I had the due date in my planner as Sunday.  

I am nearly finished with it.  I turned in my thesis and subclaims into my prof via email, then when I got started, I used the same and wrote out my own words beneath my subclaims (I changed their type to BOLD to keep them separate).  It worked!  I am able to maintain an outline!  I tend to scatter ideas…

I am not asking for an extension.  I have asked for them all term and I simply need to get this done.  I am 10 pages in, I have three sublaims left to do, and it’s not due until 11:59PM tonight.

THIS WILL HAPPEN.

I work best when dealing with absolute fear.  Don’t follow my example.   #thecheeverfiles#studyblr#studyspo#spring2016#ELNM#seniorthesis 5 notes

D-5

The struggle is very real.  Still receiving instruction from my prof on my thesis.

At least my tense is correct.

BTW, I work better under pressure.  Spending an entire term on a paper has yet to work for me.

LISTENING TO:  Our Lady Peace #thecheeverfiles#studyblr#studyspo#spring2016#ELNM#seniorthesis 3 notes

D-7.  Senior Thesis is due this week. Thankfully I am off of work, so that’s one less thing to worry about.

My digital project is completed (first picture) and that has been uploaded.  I am still (yes, still) working on my thesis and subclaims.  I emailed a correction back to my prof this afternoon, once I hone my thesis she will get to my subclaims.

Tomorrow I have to drop off my paperwork for my Service Learning, and take the TB test.  I don’t know if all of this is going to get done before the end of the term, but that professor has given us an option if we weren’t able to solidify our service learning before the term ended.  

I think 60 coffee pods should last me until the end of the week?  Last term I went through 80 in a week and a half, and this term is way harder.  I may need more… #thecheeverfiles#studyblr#studyspo#spring2016#ELNM#Seniorthesis#starbucks 3 notes

D-15.  Rough Draft final draft, if that makes sense.  I am truly blessed to have an amazing advisor/professor who gave us an extension (read: mercy) to turn it in for our rough draft workshop.  I have until 6AM tomorrow morning to get this uploaded. **weeps with gratefulness**

Did I ever mention the size of my Senior Thesis class?  There’s myself, and two other ladies.  One of the many benefits of attending a small, private university.

I admit, I did the usual “check-out” in the middle of the term, where I was watching You Tube videos instead of writing.  Then today, when the module for Week 8 comes out, we get the admonishment to not check out.  

I am reeling myself back in.  

Sumikko guroshi page flags for for ultimate win!

LISTENING TO:  The Cure Disintegration #thecheeverfiles#studyblr#studyspo#spring2016#ELNM#seniorthesis#sumikkoguroshi#obviouslyilovemycoffee 4 notes

D-18

Rough draft time.  Have my most excellent feedback from my professor to help, as well as my own lightbulb moment.  All I need now is the time to get it written.  She did extend the due date for us, which I absolutely love because our drafts go into a workshop for final editing.  

I miscalculated my vacation time from work, it’s next week, and I should have asked for this week, or even the rest of the month off.

Oh well.  It will get done.

LISTENING TO:  Morrissey’s Viva Hate #thecheeverfiles#studyblr#studyspo#spring2016#ELNM#seniorthesis 1 note

D-25.  25 days left to go.

Along with my essay, I also have to complete a digital assignment as part of my grade to add to my portfolio.  Ovid’s Metamorphoses arrived via Amazon Student Prime today.  Yes, Ovid + Cheever=Digital Project.  It’s going to be awesome.

Still trying to raise my thesis from the bowels of hell.  I was going to discuss the agency of the various rooms used in “A Country Husband” but I realized I needed to narrow that focus, so I am doing the agency of living rooms in the text.  Of course, it throws my rough draft right out the window…

I love my Starbucks cup. #thecheeverfiles#studyblr#studyspo#spring2016#ELNM#seniorthesis#metamorphoses#starbucks#seemyfilofax? 7 notes

My First Draft is turned in, a minute past my self-imposed deadline of 5AM. I am so thankful my boss let me leave work two hours early so I could go home, nap, and finish this madness.  I am not good at first drafts…a final copy I can do, but first drafts?  My mind is still a jumble of thoughts and quotes.

After I uploaded my draft, I found an article on John Cheever that said he isn’t taught in schools anymore, if he ever really was.  I find that to be a big old shame because the man is brilliant.  Needless to say, even though I had already turned in my draft, I am now determined to make my paper a testament to his literary greatness.  The man should be taught in schools, students are really missing out.

I am going to sleep the sleep of a student who has been burning the candle at both ends, what with full-time work and three classes to deal with.   #thecheeverfiles#studyblr#studyspo#spring2016#ELNM#seniorthesis 1 note

Literary TheoryLiterary Theory Senior ThesisLiterary TheorySenior Thesis 4/22/16:  Over the course of my academic career (so far, it’s only been what, two years?) I have learned working with a printout of a text is much easier for annotating than with a book.  I have absolutely no shame in destroying a book in the name of essay writing, but there is less guilt with using a printout.  This is my copy of “A Country Husband”, the first and second pages.  Yeah, I use Midori stickers to mark important transitions within the text.

I have also learned to SAVE. MY. NOTES from previous classes.  Last term, I took Literary Theory, and I need to apply a theoretical lens to my thesis.  It is times like these I am glad I am so anal about my notes, as my notebook from Lit Theory is divided by the different theories.  

The rough draft is due next week, already I have the very familiar pangs of self-doubt.  Maybe I am placing too much pressure on myself, but this paper is a reflection of me and my scholarship.  In no way do I want to come off as pedestrian, but that is my largest fear moving forward. #thecheeverfiles#studyblr#studyspo#spring2016#ELNM#seniorthesis 2 notes

Senior Thesis, Week 4:  Way back when I took Literary Analysis (from the same professor) I kept all of the writing “hacks” she gave us.  I printed them all up and tucked them away into a file folder.  Turns out she’s using them for this class as well.  Don’t know if the drawing belongs to her, but it still makes me laugh.  Funny, two years ago when I took Literary Analysis I was very self-conscious of my essay-writing.  Now it doesn’t phase me at all.  

I am reading Cheever’s “Letters”…the man is hilarious, dark and so right-on with his discriptions of humanity.  There’s an entire section entitled “The Suburbs”, from when he moved his family out of the city to upstate NY.  The passage I highlighted tickles me, but I have to wonder:  how often do we look at the belongings of others to remind us of who we are and where we came from?

My schedule for the upcoming week.  My days off are Thursday and Friday, so I begin the fresh week there.  Today (Monday) I register for Summer.  I have to be at work by 230PM and other than continuing my Cheever reading I have my two other classes.  

WRITE EVERY DAY.  

Our rough draft is due next week, so this is our instruction. #thecheeverfiles#studyblr#studyspp#spring2016#ELNM#seniorthesis 7 notes

Got my Prospectus/Annotated Bibliography done, several hours before I was scheduled to turn it in, so that’s over.

This week we will be working on our Digital Project/Digital Presence, so we get a break from writing.  Doesn’t mean the fun stops, I still have two other classes to maintain.  Above is my weekly calendar, I use it as well as my Ardium Academic planner.  My “weekend” is on Thursday/Friday, which is why the dates are wonky.

As for Digital Presence, I really am not worried about it.  I cleaned up my social media when I was accepted to uni because I knew there would be a time where I had to do the exact same thing, so I just wiped a whole bunch of accounts.   #thecheeverfiles#studyblr#studysop#spring2016#ELNM#Seniorthesis 3 notes

Prospectus and Annotated Bibliography Work:

This is the current time.  Not too bad, as I don’t get home from work until after 11PM, but my eyes are getting tired.  I’m indulging in a large mug of black tea, having consumed enough coffee over the course of the day to sink a ship.

I have spent this past week reading and researching.  I carry a book or an article with me at all times, because you never know when you are going to have a moment to catch up on some reading.  I had a few minutes while at the gas station the other day, so I read a few paragraphs.  

You do what you have to do to get it done.  :)

My beat up Writer’s Reference book, a university requirement.  

No, I don’t have to work tomorrow (sarcasm).

I have my annotations completed, but I need to edit them to make sure all of the commas are in the right place.  I am almost finished with the prospectus part.

I did, however, make sure Word was functional on my iPad and the entire project was accessible.  WIN.  Now I can finish this up at work tomorrow.

It’s due at 11:59 Monday night.   #thecheeverfiles#studyblr#studyspo#spring2016#ELNM#seniorthesis 21 notes

Day 2:  Well, technically I am still running on the original post, but in reality we have passed midnight.  Welcome to 2:15AM.

Week 2 is the Prospectus and Annotated Bibliography portion of Senior Thesis.  I took notes of the instructions and WON on three academic sources.  I need 5 total, including the original text.  I could hug my WR 323 instructor right now, because I have become a master of Google Scholar and our library’s online search engine.  

I leave this post with a picture of my stapler.  This little honey has the capacity of stapling 40 pages at once, and for someone who simply cannot read and retain electronically, this has been a great investment.  Oh, and all of the printer ink and paper I stocked up on last term.   #thecheeverfiles#studyblr#studyspo#LIT498#spring2016#ELNM#seniorthesis

Day 1:  Amazon Student Prime and Sunday delivery for the win.  My books came today! I never had a book for “A Country Husband”, all I ever had was a .pdf.  I will say, annotating on a copy is a lot easier than in a book.  So, I printed out another.  

The term just began a week ago, and for that first week we had to turn in an annotated page from two papers we have written during our academic career here at Marylhurst.  “Desireè’s Baby” by Chopin was my other choice, but I was sold on Cheever from the beginning. #thecheeverfiles#studyblr#studyspo#spring2016#LIT498#seniorthesis#ELNM 2 notes A Digital Accounting of my Adventures with my Senior Thesis. @midlife-stoodent here.  I am an English Literature and New Media major, and welcome to my Senior Thesis studyblr.  Check out my main blog for more studyblr goodness.

I decided to chronicle my path of the Senior Thesis to create a digital footprint of the process.  Obviously, my Thesis is on John Cheever, his short story “The Country Husband” to be exact.  I chose Cheever because his stories about the middle class intrigue me.  

So!  Lets get this started!  I will be following the usual #studyblr format. #thecheeverfiles#studyblr#studyspo#spring2016#LIT498#seniorthesis#ELNM 1 note

[miriadonline]

There is a great Art School event this coming Friday 17th March. It is an opportunity for your students considering self employment, freelance working or setting up a business, to meet professionals and advisors. They should register on-line here:

https://tinyurl.com/Creative-Enterprise-Event

and sign in on the day at 2.45pm on the 4th floor of Benzie.

Creative Enterprise Cafe March 2017

3Space – www.3space.org / www.platformfour.co.uk

R Small businesses  R Non-profits R start-ups  R Collaboration

3Space is a charity that repurposes empty space in the city. We are based in London, but have been running projects in Manchester for the last year.

 I started working for 3Space as a project manager in February 2016. I began at London Scottish House, a 5 storey office block that housed art studios, a theatre company, a makerspace/workshop and an exhibition space. We also hosted Unit X.

 I am now working on a co-working office space called Platform Four in Manchester city centre. We will offer space for small businesses, non profits and start ups to work and grow their projects in a collaborative and unique environment. I have just completed the build, working with an architect and art technicians based in Manchester.

 Before 3Space, I had been working in Seville on an internship with Erasmus+. I was also part of the team that won the DBACE award for Fine Art in 2015 for an online magazine project called Foci.

 Anthea Nelson – TV & Film Production Freelance Designer - www.antheanelson.com

R Freelance advice & guidance  R Project Management

Anthea's career has spanned 20+ years in Film, TV & Commercials including BAFTA & Emmy winning productions and directed by Julian Farino, Chris Morris & Jonathan Glazer among many others.

 Beans Accounting - http://beansuk.com/

R Start-up business advice and guidance  R Financial/Accounting advice

Beans helps businesses across Cheshire with their accounts and a whole range of other business support services.

 We’re not like the more ‘traditional’ accountants, where you slide a bag full of receipts and invoices across our desk once a year and a month later we give you back your completed books.

 Instead we use our experience and the knowledge we’ve gained from working with hundreds of different companies to really help your business develop. Whether that’s to save you time, identify where you can cut your tax bill or help to make your cash flow more consistent, Beans can help.

 And it doesn’t matter if you’re a start-up or have been trading since 1801, we have a complete range of individual services and bundled packages all designed to relieve the administrative stress that’s part and parcel of running a business.

 Biffa Productions Ltd – www.biffaproductions.co.uk

R Photography portfolio & business advice R Filmmaking & production advice

Ian Vernon originally studied film and photography at art school for three years. Was an advertising Photographer for 20 years with a drive-in studio facility in Manchester for 12 years. Worked for international advertising agencies on photo shoots around the world.  Transferred over to filmmaking in 1999.  Set-up Biffa Productions in 2000.  Since then have won numerous international Film awards. Written/directed/produced 10 shorts, 4 feature films, and music videos.

 Creative Boom - www.creativeboom.com

R business growth insight  R taking on new clients R PR & Marketing R Hiring the right staff

After graduating with a degree in Journalism in 2000, I worked as a broadcast journalist for various regional and national radio stations before joining one of the UK's biggest PR agencies. In 2007, I went freelance and have spent the past 10 years building my own communications consultancy, Boomerang, in Manchester, working for clients such as BBC and Manchester City Football Club.

 I launched Creative Boom, an online magazine for the creative industries, in 2009 to support others, as well as indulge my passion for creativity. Today, the website gets over half a million monthly readers and attracts advertisers such as Adobe, Samsung, Squarespace and Yahoo. I oversee the editorial and commercial aspects of the magazine, and still love to champion emerging talent. I occasionally write for The Guardian.  

With 10 years’ experience in running my own PR consultancy and publishing firm, I feel I’d be able to help advise on all aspects of getting started in business. My magazine, Creative Boom, includes an entire tips section on freelancing and entrepreneurship, focusing on providing valuable advice to others.

 ERDF Cheshire and Warrington Business Growth Programme - https://www2.mmu.ac.uk/business-school/business/sme-support/cheshire-and-warrington-business-growth-programme/

 Our programme supports businesses that are registered in the Cheshire and Warrington area, that are pre-starts (i.e. those wishing to start a business), new start-ups or small/medium enterprises.

 Working with recognised business leaders, you will have access to growth coaches, and a number variety of activities to help your business grow fast. We can help you in a wide range of areas from finance and marketing to recruitment and leadership. 

 Innospace - http://www.innospace.co.uk/

R Start-up business advice & guidance  R Enterprise

We help MMU graduates, students and staff to set up businesses: Innospace is MMU’s enterprise flagship - a fundamental part of its 2020 vision and employability strategy.

 We are a dynamic and vibrant community that house a variety of businesses, supported by a professional office team and excellent facilities. Located right in the heart of Central Manchester, we provide the perfect base for new ventures keen to make head way with their ideas and businesses.

 Intellectual Property – Jonathan Linn

R Intellectual Property advice & guidance

·       Patents - patentablity advice (including searching); preparation, filing and running patent applications (UK, European & International); advice and representation re patent conflicts, oppositions and enforcement.

·       Trade Marks - searching and advice re freedom-of-use of new marks; applications for trade mark registration (UK, EU & International); advice and representation re oppositions and enforcement

·       Designs - registration etc

·       Copyright

 Kuhlab - http://www.kuhlab.com/

R Social media industry networking platform

Whether you are looking to hire creative talent or looking for work in the creative industries, Kuhlab makes finding and posting work easy! Browse, apply for and post jobs from within Music, Film, I.T, Performance, Art & Design and Photography in the touch of a button.

 Marketplace Studios - http://www.art.mmu.ac.uk/marketplace/

R Start-up business advice and guidance  

Marketplace Studios is an exciting new initiative providing start-up business support to creative graduates from Manchester School of Art, Manchester Metropolitan University.

 Marketplace Studios is a three-storey building set in the heart of Stockport’s Market Square in the historic Old Town. We have two floors of incubation studio space for our graduate practitioners, who receive business support tailored towards the Creative Industries to help them succeed in their new enterprises.  On the ground floor we have shop/gallery/exhibition space and project spaces to run courses for the general public.

 PeoplePlus - www.peopleplus.co.uk  

R Business Planning  R Marketing Strategy  R Business Development  

25 years in the music industry, coupled with 17 years experience in providing start up support, advice and guidance to new businesses

 Tuna Fish Media - www.tunafishmedia.co.uk    

R Start-ups  R Going solo straight after Uni R Career path into a career if you are not ready to freelance  

Tunafish are a creative social content and video marketing agency who specialise in generating content and ideas that get trackable results.

[cryptswahili]

Finance Guru Ronnie Moas Digs for $10 Billion in Cryptocurrency Gold

Ronnie Moas is known as a finance guru with a 15-year track record of picking stocks. Later in his career, he ventured into cryptocurrency, claiming himself to be “synonymous with Bitcoin.” That success, however, has taken a turn towards conflict.

Background on Ronnie Moas

Ronnie Moas is the founder of Standpoint Research. The Florida-based company conducts market analysis on securities, bonds, cryptocurrencies, and other assets, and is a one-man operation dependent on Moas, according to a Bitcoin Podcast interview.

According to Moas (via Standpoint Research subscriber emails):

“I am one of the most highly regarded and highest ranking analysts in the financial services industry. I have a top 20 ranking for my performance versus more than 4,700 professionals… and my company was ranked # 5 on Wall Street in 2017.”

He is also a Twitter, TV, and radio influencer, having been featured on dozens of interviews and with a following of over forty-thousand on Twitter. He has a prolific record, having published and distributed over 900 research reports, and issued more than 600 stock recommendations since July of 2003, according to Bloomberg.

Moas goes so far as to claim that his ‘expertise’ extends into the cryptocurrency markets, saying that his name “has become synonymous with Bitcoin,” predicting that it “will hit $28,000 by the end of 2018”

According to Bloomberg’s Executive Profile, Moas began his career on Wall Street as an analyst at Herzog Heine Geduld. Moas was responsible for making sector, industry, and stock recommendations. And, according to the biography, “he demonstrated remarkable accuracy with his market forecasts and stock recommendations.” He left the firm to found Standpoint Research, Inc. in 2004.

Based on statements from Moas and estimates from other sources, Standpoint Research has between 2,500 and 3,000 subscribers. This earns Moas a tidy $1.5 million to $4 million in revenue a year.

Standpoint Sells Stock Picks

Standpoint Research makes money through its subscription service. Subscribers get access to research, stock picks, and information curated by Ronnie Moas. The company uses its proprietary “artificial intelligence overlay applied to a 155-variable computer model” for generating its predictions.

For $599 to $1,119 per year, subscribers get access to Standpoint’s exclusive research. The company asserts that it helps subscribers pick investments “…so that you do not have to do that research on your own.”

Doing Deals with Dignity (DIG)

In July of 2017, Arbitrade, a company which is developing a cryptocurrency exchange and trading software, contacted Moas to conduct an analysis of their company for “internal use,” according to court documents. The report was meant for accredited investors and institutions interested in Arbitrade, said executives from the company.

Arbitrade is the parent company of Cryptobontix, a company which issued a cryptocurrency called Dignity Token, which is important later in the article.

Moas was paid $60,000 and 2 million DIG tokens, for a total in $100,000 in compensation for his report. He provided the company with a 122-page report on September of 2017, with 34 pages of that pertaining directly to DIG, based on statements from Moas and the court case.

Background on Dignity Token (DIG)

Dignity is a cryptocurrency which claims that each of its tokens is backed by $1.00 in gold. Cryptobontix, the company spearheading the project, had previously stated in its retracted white paper that it plans to pay for the gold using profits from mining farms.

The company was later acquired or merged with Arbitrade at an unspecified date. Arbitrade is a company which is “leveraging proven financial technology” that “combines a financial matching engine… and smart contracts to enable market participants and institutions to buy and sell regulated security tokens.”

The cryptocurrency Dignity was largely traded on Livecoin, a small cryptocurrency exchange that claims to be based in London.

Arbitrade also features an impressive management board, with all officers listing over 30 years experience at companies such as PepsiCo, Citibank, Uniqlo, Toys ‘R’ Us, and Taco Bell.

CryptoSlate reached out to over 10 of the members listed on Arbitrade’s website over the last five days to confirm their involvement with Arbitrade. Only one, Steve Braverman, responded with the following comment:

“I will speak with our attorney and get back to you.”

Braverman did not provide any further comments.

Digging for Billions in Gold

The first iteration of the Cryptobontix white paper claims that the profits from cryptocurrency would pay to purchase the billions needed in its gold reserves.

Miraculously, the company was able to pay for these gold reserves out of pocket. The company claims to have purchased over 395,000 kg of gold, worth roughly $16 billion at current prices.

The amount of gold is equal to roughly one-eleventh the amount of gold held in Fort Knox, a United States army fortress which once held a large portion of the country’s gold bullion when the country still used the gold standard. Today, it still holds an outlandish amount of gold.

And, in the ultimate display of legitimacy, Arbitrade purchased Nelson Mandela’s solid gold hands for an additional $10 million. Despite the strong messaging, some members of the community have warned that Arbitrade is a scam.

Ronnie Moas Catches the Gold Rush

On Sep. 18th, 2017, a small group of Standpoint’s paid subscribers were given the recommendation to purchase DIG, along with his report on UNY (the former ticker for DIG). Court filings and testimonies from several of his subscribers confirm this.

A few months later, on Feb. 8th, 2018, Moas allegedly sent a blast out to his entire subscriber base with the recommendation to buy DIG. In an interview on the Bitcoin Podcast, he describes it as an “impulsive reaction” and stated that a huge move in the coin’s price motivated him to share the report:

“The reason I released the paper, the catalyst… was seeing it move eleven hundred percent in one day, and I felt that it was an insider buy and I decided within a few minutes to jump on it.”

After February, Moas would publicly describe Dignity Tokens (DIG) as his “best idea in 20 years,” both on Twitter, and in his email letters:

Maybe my best idea in 20 years already up 300% in four weeks. I think it is getting ready to #rockandroll I see another 500% upside in the next 30-60 days … stay away from the snakes https://t.co/JlWsPzNzDp … #ACDC #blockchain $btc #crypto #cryptocurrency #bitcoin #Ethereum

— Ronnie Moas (@RonnieMoas) March 5, 2018

Florida Gold Frenzy

In June of 2018, Moas allegedly notified his subscribers that he visited an Arbitrade location and was “blown away” by the premises and operations of the facility. He also assured buyers that “every day that goes by, my confidence level in [Arbitrade’s] operation increases, and the amount of risk I see decreases,” according to redacted tweets in the court filings.

Ronnie Moas then continued to boast the merits of the Dignity Token, assuring buyers that the coin is completely and totally legitimate:

And saying that that it couldn’t be a scam, because scams are too expensive to pull off at this scale:

Moas continued to purchase DIG throughout 2018, stating in his interview that he had purchased 440,000 DIG as late as Nov. 27th, worth roughly $8,000 at the time. Over hundreds of Tweets and emails, Moas would routinely set price targets of $0.40 by the end of 2018. Meanwhile, the value of DIG eroded from $0.28 in May to less than $0.01 over the year—an over 95 percent decrease.

Flip the Script

From Dec. 16th until two weeks ago, Moas still “thought that this [Arbitrade] was legitimate.” From mid-November, Moas completely reversed his opinion about DIG, calling the cryptocurrency and the project a scam. He then proceeded to call the founders of Arbitrade fraudsters and crooks and berated them on a near-daily basis over social media.

Eventually, Moas’ accusations allegedly reached a fever pitch, posting the addresses, phone numbers, license plates, and other identifying information for the executives behind Arbitrade. He went so far as to encourage his subscribers to physically threaten the executives over email, according to the court documents.

Unfortunately, CryptoSlate is unable to list the tweets in total because they were deleted from Ronnie Moas’ account on Jan. 8th. That said, some of the accusations are listed, in hard copy, in the court filings.

The threats and accusations publicly listed by Moas culminate in a formal legal complaint from Arbitrade’s executives for libel, cyberstalking, and tortious interference, among other charges. Additionally, the documents list hundreds of incriminating emails, tweets, and correspondence with Moas, with the three executives attesting to the legitimacy of the content under penalty of perjury.

According to the filing, Moas tweeted 394 threatening tweets towards Arbitrade, 34 of which included personal information or directly tagged them on Twitter. The company issued a cease and desist, but that only caused Moas to double down.

Moas becomes despondent, with some of the messages emphasizing this:

“I have a very hot temper and I am very impulsive… emotional and sensitive and I will if I believe in something I will fight until the death for it… if a man does not have a cause worth fighting for his life is not worth living… and I will fight to the death for my subscribers and the reputation that you have destroyed in the last few months with your bullshit.”

And, at his lowest, he even talks about contemplating suicide:

“In fact, the thought of ending my own life crossed my mind several times already today, but that would be a victory for you. I just took anti-anxiety medicine for the third time this weekend you filthy scumbags. God sees everything, and you will get what is coming to you.”

Is Ronnie Moas the Victim?

Based on testimony from Moas’ paid subscribers and evidence from the court proceedings, the finance professional allegedly never disclosed his payments from Arbitrade or his personal holdings and investment in Dignity Token.

Thomas McLoughlin, the CEO of Blockstake and former banking analyst, reaffirms this in correspondence with CryptoSlate:

“In neither Ronnie’s buy recommendation to his paying subscribers in November of 2017, nor his subsequent follow-ups was this compensation mentioned. In fact, this conflict of interest was only disclosed after the company publicly brought forth these facts.”

Not only that, many of Moas’ subscribers allegedly warned him of the red flags surrounding Arbitrade, including McLoughlin:

“After being asked by a third-party to run diligence on Dignity, a number of red flags surfaced… checkered past of numerous key executives, unsustainable business model… deadlines continually missed or ignored, and most importantly any lack of concrete evidence to Arbitrade’s gold or mining operation. In addition, Dignity token was and is traded only on a small exchange called Livecoin and had severe technical disruptions throughout the course of the year.”

In response to McLoughlin’s concerns, Moas had this to say:

“You are making a complete fool of yourself. I will not waste my time on this garbage message. My subscribers know EXACTLY [sic] what is going on.”

When asked about the warning signs around Dignity on the Bitcoin Podcast, Moas said the following:

“I haven’t done background checks on anyone in 20 years. I don’t have time to do that. My subscribers expect a name from me every week.”

His defense: they were “charming people,” and he had no idea that any of this was happening. For the remainder of the interview, Ronnie Moas asserts he was the victim, that he was duped, and that he was, and still is, innocent.

Even though Moas wrote a 122-page report on the company, and was supposedly paid $100,000 to investigate the merits of Arbitrade—apparently he “doesn’t have the time” to do background checks, according to commentary in the Bitcoin Podcast interview.

Finally, when asked if his involvement could be construed as a “pump and dump” on the Bitcoin Podcast, he had the following eloquent statement:

“Now go fuck yourself,” and left the interview.

Subscribers Outraged

As Ronnie Moas turned sour towards Arbitrade, his subscribers turned furious. Many were angry that they were shilled DIG. There are dozens of people who have called him a fraud because of his behavior. Some of these people lost tens of thousands following his recommendation.

$DIG is not a scam.

Ronnie Moas is a liar and a fraud.@ArbitradeX who owns $DIG, just filed an injunction and lawsuit today because of it.

Do some homework. Happy to provide all 10 pages. pic.twitter.com/UpTRQTjJcd

— Brandon William (@azbill_brandon) January 3, 2019

Despite Moas’ allegations, there are still many who assert that Arbitrade is legitimate on Twitter.

Michael Kelly, who claims to be one of Moas’ paid subscribers, made the following testimony to CryptoSlate:

“He is quite honestly the most unprofessional and odious man I’ve ever had the displeasure to come across, a pathological liar who refuses to admit his wrongdoing, instead blaming Arbitrade for all this after his extortion attempts fell flat. I never acted on a single one of his tips, that’s the level of his service. I guess I should be thankful for that.”

Legal Battle Intensifies

The civil case (search Moas, Ronnie), James Goldberg et. al. vs Ronnie Moas has intensified over the last few days. After repeated accusations of “criminal intent,” the courts have granted several emergency motions to determine potential criminality:

According to new documents filed on Jan. 8th, James Goldberg et. al. alleges that Ronnie Moas has repeatedly violated the court’s orders, and that Goldberg was in “fear of physical harm for himself and his family,” and filed a formal complaint listing Moas’ violations over Twitter and email after furnishing Moas a cease and desist complaint.

Meanwhile, one of Moas’ subscribers claims that he sent out the following email today:

Summary

Ronnie Moas claims to be a “highly regarded and highest ranking analysts in the financial services industry, someone whose name is ‘synonymous with Bitcoin.’”

Moas received a large sum of money to write a report on a company. He then allegedly leaked this report to his subscribers—without providing disclosure of his conflict of interest or his stake in Dignity Token.

Then, Moas proceeded to promote the project for over a year. Suddenly, he changed the narrative and called the project an outright scam. His subscribers and those who follow him on social media have lost tens of thousands of dollars as a result of his recommendations.

In Moas’ words, he’s the victim. When asked why concerns over DIG did not surface during the 122-page report he wrote for Arbitrade, his explanation was that “he doesn’t do background checks.”

Moas then allegedly proceeded to threaten and harass Arbitrade’s executives to the point where they fear physical harm to themselves and their families. Moas then told his subscribers that the reason for his absence is because of medical complications.

“Standpoint Research service will NOT be compromised in any way,” Moas allegedly said in his email to subscribers today. CryptoSlate will continue to follow the story and release updates as the civil lawsuit unfolds and as more information becomes available on Arbitrade.

The post Finance Guru Ronnie Moas Digs for $10 Billion in Cryptocurrency Gold appeared first on CryptoSlate.

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[cryptswahili]

Finance Guru Ronnie Moas Digs for $10 Billion in Cryptocurrency Gold

Ronnie Moas is known as a finance guru with a 15-year track record of picking stocks. Later in his career, he ventured into cryptocurrency, claiming himself to be “synonymous with Bitcoin.” That success, however, has taken a turn towards conflict.

Background on Ronnie Moas

Ronnie Moas is the founder of Standpoint Research. The Florida-based company conducts market analysis on securities, bonds, cryptocurrencies, and other assets, and is a one-man operation dependent on Moas, according to a Bitcoin Podcast interview.

According to Moas (via Standpoint Research subscriber emails):

“I am one of the most highly regarded and highest ranking analysts in the financial services industry. I have a top 20 ranking for my performance versus more than 4,700 professionals… and my company was ranked # 5 on Wall Street in 2017.”

He is also a Twitter, TV, and radio influencer, having been featured on dozens of interviews and with a following of over forty-thousand on Twitter. He has a prolific record, having published and distributed over 900 research reports, and issued more than 600 stock recommendations since July of 2003, according to Bloomberg.

Moas goes so far as to claim that his ‘expertise’ extends into the cryptocurrency markets, saying that his name “has become synonymous with Bitcoin,” predicting that it “will hit $28,000 by the end of 2018”

According to Bloomberg’s Executive Profile, Moas began his career on Wall Street as an analyst at Herzog Heine Geduld. Moas was responsible for making sector, industry, and stock recommendations. And, according to the biography, “he demonstrated remarkable accuracy with his market forecasts and stock recommendations.” He left the firm to found Standpoint Research, Inc. in 2004.

Based on statements from Moas and estimates from other sources, Standpoint Research has between 2,500 and 3,000 subscribers. This earns Moas a tidy $1.5 million to $4 million in revenue a year.

Standpoint Sells Stock Picks

Standpoint Research makes money through its subscription service. Subscribers get access to research, stock picks, and information curated by Ronnie Moas. The company uses its proprietary “artificial intelligence overlay applied to a 155-variable computer model” for generating its predictions.

For $599 to $1,119 per year, subscribers get access to Standpoint’s exclusive research. The company asserts that it helps subscribers pick investments “…so that you do not have to do that research on your own.”

Doing Deals with Dignity (DIG)

In July of 2017, Arbitrade, a company which is developing a cryptocurrency exchange and trading software, contacted Moas to conduct an analysis of their company for “internal use,” according to court documents. The report was meant for accredited investors and institutions interested in Arbitrade, said executives from the company.

Arbitrade is the parent company of Cryptobontix, a company which issued a cryptocurrency called Dignity Token, which is important later in the article.

Moas was paid $60,000 and 2 million DIG tokens, for a total in $100,000 in compensation for his report. He provided the company with a 122-page report on September of 2017, with 34 pages of that pertaining directly to DIG, based on statements from Moas and the court case.

Background on Dignity Token (DIG)

Dignity is a cryptocurrency which claims that each of its tokens is backed by $1.00 in gold. Cryptobontix, the company spearheading the project, had previously stated in its retracted white paper that it plans to pay for the gold using profits from mining farms.

The company was later acquired or merged with Arbitrade at an unspecified date. Arbitrade is a company which is “leveraging proven financial technology” that “combines a financial matching engine… and smart contracts to enable market participants and institutions to buy and sell regulated security tokens.”

The cryptocurrency Dignity was largely traded on Livecoin, a small cryptocurrency exchange that claims to be based in London.

Arbitrade also features an impressive management board, with all officers listing over 30 years experience at companies such as PepsiCo, Citibank, Uniqlo, Toys ‘R’ Us, and Taco Bell.

CryptoSlate reached out to over 10 of the members listed on Arbitrade’s website over the last five days to confirm their involvement with Arbitrade. Only one, Steve Braverman, responded with the following comment:

“I will speak with our attorney and get back to you.”

Braverman did not provide any further comments.

Digging for Billions in Gold

The first iteration of the Cryptobontix white paper claims that the profits from cryptocurrency would pay to purchase the billions needed in its gold reserves.

Miraculously, the company was able to pay for these gold reserves out of pocket. The company claims to have purchased over 395,000 kg of gold, worth roughly $16 billion at current prices.

The amount of gold is equal to roughly one-eleventh the amount of gold held in Fort Knox, a United States army fortress which once held a large portion of the country’s gold bullion when the country still used the gold standard. Today, it still holds an outlandish amount of gold.

And, in the ultimate display of legitimacy, Arbitrade purchased Nelson Mandela’s solid gold hands for an additional $10 million. Despite the strong messaging, some members of the community have warned that Arbitrade is a scam.

Ronnie Moas Catches the Gold Rush

On Sep. 18th, 2017, a small group of Standpoint’s paid subscribers were given the recommendation to purchase DIG, along with his report on UNY (the former ticker for DIG). Court filings and testimonies from several of his subscribers confirm this.

A few months later, on Feb. 8th, 2018, Moas allegedly sent a blast out to his entire subscriber base with the recommendation to buy DIG. In an interview on the Bitcoin Podcast, he describes it as an “impulsive reaction” and stated that a huge move in the coin’s price motivated him to share the report:

“The reason I released the paper, the catalyst… was seeing it move eleven hundred percent in one day, and I felt that it was an insider buy and I decided within a few minutes to jump on it.”

After February, Moas would publicly describe Dignity Tokens (DIG) as his “best idea in 20 years,” both on Twitter, and in his email letters:

Maybe my best idea in 20 years already up 300% in four weeks. I think it is getting ready to #rockandroll I see another 500% upside in the next 30-60 days … stay away from the snakes https://t.co/JlWsPzNzDp … #ACDC #blockchain $btc #crypto #cryptocurrency #bitcoin #Ethereum

— Ronnie Moas (@RonnieMoas) March 5, 2018

Florida Gold Frenzy

In June of 2018, Moas allegedly notified his subscribers that he visited an Arbitrade location and was “blown away” by the premises and operations of the facility. He also assured buyers that “every day that goes by, my confidence level in [Arbitrade’s] operation increases, and the amount of risk I see decreases,” according to redacted tweets in the court filings.

Ronnie Moas then continued to boast the merits of the Dignity Token, assuring buyers that the coin is completely and totally legitimate:

And saying that that it couldn’t be a scam, because scams are too expensive to pull off at this scale:

Moas continued to purchase DIG throughout 2018, stating in his interview that he had purchased 440,000 DIG as late as Nov. 27th, worth roughly $8,000 at the time. Over hundreds of Tweets and emails, Moas would routinely set price targets of $0.40 by the end of 2018. Meanwhile, the value of DIG eroded from $0.28 in May to less than $0.01 over the year—an over 95 percent decrease.

Flip the Script

From Dec. 16th until two weeks ago, Moas still “thought that this [Arbitrade] was legitimate.” From mid-November, Moas completely reversed his opinion about DIG, calling the cryptocurrency and the project a scam. He then proceeded to call the founders of Arbitrade fraudsters and crooks and berated them on a near-daily basis over social media.

Eventually, Moas’ accusations allegedly reached a fever pitch, posting the addresses, phone numbers, license plates, and other identifying information for the executives behind Arbitrade. He went so far as to encourage his subscribers to physically threaten the executives over email, according to the court documents.

Unfortunately, CryptoSlate is unable to list the tweets in total because they were deleted from Ronnie Moas’ account on Jan. 8th. That said, some of the accusations are listed, in hard copy, in the court filings.

The threats and accusations publicly listed by Moas culminate in a formal legal complaint from Arbitrade’s executives for libel, cyberstalking, and tortious interference, among other charges. Additionally, the documents list hundreds of incriminating emails, tweets, and correspondence with Moas, with the three executives attesting to the legitimacy of the content under penalty of perjury.

According to the filing, Moas tweeted 394 threatening tweets towards Arbitrade, 34 of which included personal information or directly tagged them on Twitter. The company issued a cease and desist, but that only caused Moas to double down.

Moas becomes despondent, with some of the messages emphasizing this:

“I have a very hot temper and I am very impulsive… emotional and sensitive and I will if I believe in something I will fight until the death for it… if a man does not have a cause worth fighting for his life is not worth living… and I will fight to the death for my subscribers and the reputation that you have destroyed in the last few months with your bullshit.”

And, at his lowest, he even talks about contemplating suicide:

“In fact, the thought of ending my own life crossed my mind several times already today, but that would be a victory for you. I just took anti-anxiety medicine for the third time this weekend you filthy scumbags. God sees everything, and you will get what is coming to you.”

Is Ronnie Moas the Victim?

Based on testimony from Moas’ paid subscribers and evidence from the court proceedings, the finance professional allegedly never disclosed his payments from Arbitrade or his personal holdings and investment in Dignity Token.

Thomas McLoughlin, the CEO of Blockstake and former banking analyst, reaffirms this in correspondence with CryptoSlate:

“In neither Ronnie’s buy recommendation to his paying subscribers in November of 2017, nor his subsequent follow-ups was this compensation mentioned. In fact, this conflict of interest was only disclosed after the company publicly brought forth these facts.”

Not only that, many of Moas’ subscribers allegedly warned him of the red flags surrounding Arbitrade, including McLoughlin:

“After being asked by a third-party to run diligence on Dignity, a number of red flags surfaced… checkered past of numerous key executives, unsustainable business model… deadlines continually missed or ignored, and most importantly any lack of concrete evidence to Arbitrade’s gold or mining operation. In addition, Dignity token was and is traded only on a small exchange called Livecoin and had severe technical disruptions throughout the course of the year.”

In response to McLoughlin’s concerns, Moas had this to say:

“You are making a complete fool of yourself. I will not waste my time on this garbage message. My subscribers know EXACTLY [sic] what is going on.”

When asked about the warning signs around Dignity on the Bitcoin Podcast, Moas said the following:

“I haven’t done background checks on anyone in 20 years. I don’t have time to do that. My subscribers expect a name from me every week.”

His defense: they were “charming people,” and he had no idea that any of this was happening. For the remainder of the interview, Ronnie Moas asserts he was the victim, that he was duped, and that he was, and still is, innocent.

Even though Moas wrote a 122-page report on the company, and was supposedly paid $100,000 to investigate the merits of Arbitrade—apparently he “doesn’t have the time” to do background checks, according to commentary in the Bitcoin Podcast interview.

Finally, when asked if his involvement could be construed as a “pump and dump” on the Bitcoin Podcast, he had the following eloquent statement:

“Now go fuck yourself,” and left the interview.

Subscribers Outraged

As Ronnie Moas turned sour towards Arbitrade, his subscribers turned furious. Many were angry that they were shilled DIG. There are dozens of people who have called him a fraud because of his behavior. Some of these people lost tens of thousands following his recommendation.

$DIG is not a scam.

Ronnie Moas is a liar and a fraud.@ArbitradeX who owns $DIG, just filed an injunction and lawsuit today because of it.

Do some homework. Happy to provide all 10 pages. pic.twitter.com/UpTRQTjJcd

— Brandon William (@azbill_brandon) January 3, 2019

Despite Moas’ allegations, there are still many who assert that Arbitrade is legitimate on Twitter.

Michael Kelly, who claims to be one of Moas’ paid subscribers, made the following testimony to CryptoSlate:

“He is quite honestly the most unprofessional and odious man I’ve ever had the displeasure to come across, a pathological liar who refuses to admit his wrongdoing, instead blaming Arbitrade for all this after his extortion attempts fell flat. I never acted on a single one of his tips, that’s the level of his service. I guess I should be thankful for that.”

Legal Battle Intensifies

The civil case (search Moas, Ronnie), James Goldberg et. al. vs Ronnie Moas has intensified over the last few days. After repeated accusations of “criminal intent,” the courts have granted several emergency motions to determine potential criminality:

According to new documents filed on Jan. 8th, James Goldberg et. al. alleges that Ronnie Moas has repeatedly violated the court’s orders, and that Goldberg was in “fear of physical harm for himself and his family,” and filed a formal complaint listing Moas’ violations over Twitter and email after furnishing Moas a cease and desist complaint.

Meanwhile, one of Moas’ subscribers claims that he sent out the following email today:

Summary

Ronnie Moas claims to be a “highly regarded and highest ranking analysts in the financial services industry, someone whose name is ‘synonymous with Bitcoin.’”

Moas received a large sum of money to write a report on a company. He then allegedly leaked this report to his subscribers—without providing disclosure of his conflict of interest or his stake in Dignity Token.

Then, Moas proceeded to promote the project for over a year. Suddenly, he changed the narrative and called the project an outright scam. His subscribers and those who follow him on social media have lost tens of thousands of dollars as a result of his recommendations.

In Moas’ words, he’s the victim. When asked why concerns over DIG did not surface during the 122-page report he wrote for Arbitrade, his explanation was that “he doesn’t do background checks.”

Moas then allegedly proceeded to threaten and harass Arbitrade’s executives to the point where they fear physical harm to themselves and their families. Moas then told his subscribers that the reason for his absence is because of medical complications.

“Standpoint Research service will NOT be compromised in any way,” Moas allegedly said in his email to subscribers today. CryptoSlate will continue to follow the story and release updates as the civil lawsuit unfolds and as more information becomes available on Arbitrade.

The post Finance Guru Ronnie Moas Digs for $10 Billion in Cryptocurrency Gold appeared first on CryptoSlate.

[Telegram Channel | Original Article ]