Bitcoin: Auf PayPal soll bald mit Kryptowährung bezahlt ...

Report: 1000 People Own 40 Percent of the Bitcoin Market – Slate Magazine (blog)

submitted by leftok to atbitcoin [link] [comments]

[Guide] How to make money in EFT

EDIT : Thanks to everybody for pointing out the few mistakes/improvements that can be made in this new-player level guide.
For the sake of summarizing here :
- Intel documents are NOT worth 250k. I didn't check them on the flea before writing this and for some reason I always remembered them at 250k. Game is in maintenance so I can't check the real price. That being said, it's still profitable to craft USB into Intel, it's just not x2 profitable.
- Scav case : moonshine / intel docs, some people seem to say they've never been profitable. I personally *did not* measure those, I eyeballed it. I'm working on so much shit that I didn't bother. On average I think that I'm in a net positive, but it's as believable as people saying they're not : without proof we can't really say for sure. That bein said, it's certainly more profitable to run lower-tier scav runs that are *faster* when you're online, and to run a moonshine or intel when you log off. It's more efficient to get a lot of runs while you can re-start them every time.
- Crafting moonshine : It's not profitable to spam it ; I was under the assumption that the average player who will read this will usually not play for 4-5 hours straight and will end up collecting yesterday's moonshine, craft a new one, and that's it. If that's you're rythm then yes, spam it. If you intend to play more than one craft worth's of time, then you will craft moonshine faster than you can spend it, and it's not really worth to sell it on the flea except to up your market reputation for a small loss (about 10k). So in short : craft moonshine to be able to start a moonshine run for when you log off, but you don't *need* more than that.

Check this out

Here is some actual data on the lavatory !!

Hey everybody !

I know it can be a struggle to get a stable economy in this game, especially when you die a lot. Today I'm gonna try and give a few guidelines on how to make money safely, efficiently, fast, or in any other way we can think of.
If you're struggling to stay above the 15-20 million rouble treshold, this guide is definitely for you.
Very often I'll hear newer players say "Damn I can't seem to make money, I keep loosing. Every time I take gear I die instantly". There is some truth in that. Today I'll help you improve your survival rate, but most importantly I'll unbalance the other side of the equation. When you complain about losing a lot of money, I will help you spend less by a significant margin, as well as earn more. You'll also get rid of gear fera naturally.
Remember this throughout this very, very long read : It all depends on how you want to play, and how much. Some of these tips will not fit how you want to play the game, and like Nikita always says : this game is supposed to be fun before anything else.

1. Hideout

Safety Score : 100%
Reward : Moderate but very stable.
Maxing your hideout should be one of your top priorities, probably before telling your mom how much you love her every now and then. If you're not doing either of those, the big gamer in you knows what to do.
Early wipe, save your fuel for when you're online and playing. If you're playing, your generator should definitely be running and all your stations should be crafting something.
Once you have Medstation 1, Workbench 1 and Lavatory 2, you really have no reason to turn your generator off when you're playing.
Once you have the bitcoin farm, you should never turn off the generator.
Medstation :
Craft salewas and/or IFAKs permanently. They cost 8k and sell for 15k. That's a net profit of about 25k / hour for salewas, as well as never having to buy any.
Lavatory :
Always be crafting Bleach. If you have 2 empty blue fuel, use those empty cans to craft a Magazine case.
You can then keep the magazine cases until you've enough for your liking and sell those for a good profit.
The bleach you will use to buy the 6B47 helmets which are better than the SSh-68 helmets. Buying from 2x bleach barter at ragman level 1 means you get the helmet for 18k (instead of 33k on the market). This helmet has better head coverage, less slow/negative effects, less weight, has a slot for a mount, has +11 ergonomics AND is cheaper than the 22k SSh-68. That being said, it has a slight noise reduction that the Ssh does not have. If you wear headphones I'd say this is negligible but debatable. I prefer to have the extra protection and ergonomics for sure, considering it's slightly cheaper.

You can also barter for that helmet and instantly sell it back for a profit (five times) and level up ragman money requirements.
Bleach can also be traded for the Blackjack backpack at level 4, as well as the TTV rig at level 2. You should definitely do it.
Sell excess bleach on the flea market when the prices are around 10.5k or more. (around midnight Central European Time).
Workbench :
You can buy Power Cords and craft Wires forever and always make a profit. Buy in the morning and sell in the evening for better profits (CET timezone). For even more profit, you can craft gunpowders and ammo which tend to also be ridiculously pricy at night.
Buying grenades from Peacekeeper and crafting green (Eagle) gunpowder is a good way to make a lot of money and level up Peacekeeper.
Intel Center :
You main objective is to get this one to level 3 for reduced fees and better quest rewards, but also access to the bitcoin farm at level 2.
If you need FiR for quests, craft that. When you're done craft Intel Documents at all times (buy the USB), and use it for scav case or sell for a x2 profit. ( 3x40 for USB = 120, documents sell for 250)
Bitcoin Farm :
Once you have it, spend all your money on GPU until its maxxed, then level it up even more. The BTC farm is definitely worth it. At 50GPU you need to connect every 15 hours to clic. If you can't, keep it level 2 and connect every 24 hours to clic. Even at level 1 its worth. But its much, much faster at higher levels.
From 0 to 50 GPUs it takes about 30 days to pay for itself. GPUs should not be sold until you maxxed it.
Water Collector :
Must be running at all times. Buy the components if you don't have them.
Booze Generator :
Must be running at all times. Buy the components if you don't have them.
Scav Case :
Always have it running on moonshine, and use intel documents once you're done crafting one.
Nutrition Unit :
It's not really worth crafting sugar to put in the Booze gen, as the price for chocolate is pretty much = the price of sugar. So buy the sugar instead and craft something else. I tend to craft Hot Rods when the prices are good (morning) and then use them to barter 5.45 BS Ammo with Prapor or sell for a profit.

If you do all that, you should have about 150k an hour fairly easily. Don't forget to check it between every raid.

2. Traders

Safety Score : 100%
Reward : Quite good.
Once your mom has received all the love she deserves and your hideout is taken care of, you should have max traders (traders are a requirement for most of the hideout anyway).
Traders level 4 will net you much better prices on most mods and open very good barter trades.
Buy as much as you can from barter trades. You can buy almost everything from it, and it's usually at least 25% cheaper to buy the requirements and then do the barter. Ragman4 has the CPC Armored Rig which is level 5 armor, you'll get it for about 200k instead of 250k on the flea. The Slick is also much cheaper. The Blackjack backpack is literally half priced.
You can also NOT use what you barter and just sell it back to a dealer (sometimes the same from which you bartered) for a profit as well as having 2 times the loyalty money increase (from bartering then from selling).
Another good example is buying a Recbat 14k from the market, getting an ADAR for skier, selling it to Mechanic and winning 8k just like that. You can find every single barter that nets a profit yourself and just buy-resell and you'll probably make another 100k every reset, if you really are struggling and have the patience. I personally advise to just use the equipment for yourself unless you're levelling traders, but I wouldn't go as far as buying all profitable items every reset.
Every trader at every level has good barters. You can make a full decent kit at level 1 traders for about 40k roubles on barter, instead of 90 if you buy it all. (Paca for masks, helmet for bleach, ADAR for recbatt, salewa from craft, backpack, etc. all barters)

Bleach is beautiful and is coveted in the real world for its ability to cure diseases.

3. Modding

Safety Score : 100%
Reward : Very profitable.
Don't mod out of your reach. Don't mod Meta. If money is an issue for you, having +1 ergo won't change your life.
For example,
Priced at 10k roubles
Priced at 45k Roubles

See where I'm going with this?
If you have money, sure, go for the Shift. If you wanna have fun and try, sure, go for it as well. But if you're struggling, buy 4 cobras and mod 4 guns for the price of 1% recoil which will not make you a gamer god anyway.
Also, do NOT buy mods from the flea market when you see you can buy them from traders. Look at the top of the market, if the mod is greyed out, look at the price. It means you don't have access (yet). If the price is too inflated for you, find another mod. There are always other mods. You can make 2 AKMs that have a difference of 2% recoil and 4 Ergonomics and have a 150k price difference. It's up to you. When money is the issue, this was the answer.

Note : Some guns are inherently much more expensive. Guns shooting 5.56 or 5.45 tend to be more expensive than 7.62. AKMs are VERY good budget guns. They're a bit harder to handle, but you can get a fully modded AK for 150-200k, where as you will have an entry level M4 for that price. 7.62 PS ammo is also incredibly cheap while being decent. Play 7.62 if you're struggling with money. It's not meta, but it's far more than enough, trust me. You'll rarely lose fights exclusively because you had PS ammo in an AKM. Rarely.

4. Statistical loadout balance

This is fairly simple yet overlooked a LOT. To be accurate, you need data. Personally I kept it in an excel spreadsheet, if you're hardcore you should do something similar.

A somewhat relevant spreadsheet I used a wipe ago to measure some of my stats
What you need to know about yourself for this :
These will help us measure how much you fuck up or not.
Lets make it simple.
If you have a 500k loadout and you usually extract with 100k, at 10% survival rate, that means you will spend 500k x 10 = 5.000.000 roubles over 10 raids on average, die 9 times, and earn 100k once. This very obvious example shows the loss.
Basically we're gonna try and balance that equation so that you never lose money on average. You'll have ups and downs obviously, but over a week or two, it'll smooth things out for you, like math always does in a pleasant conversation with a girl.

So what can you do to improve that equation ?

4.1 Improve survival rate

Seems simple enough, DIE LESS. You do not need to be good, smart, or special to die less. If you die a lot, do something different. If you die less, try more of that. Explore statistical advantages through different gameplay.
What can you do to die less practically? Here is a list of checkboxes you can tick depending on your money, skill, mood, or any other factor like the map and sheer luck:
Do all that, it'll give you a LOT of data to actually improve by just doing something different without really being fastestronger, just smarter.
And I repeat : you can do some of it, all of it, it depends on what you like, what you're comfortable with, and the time/investment you're putting in the game. It's okay to play at your own pace.

4.2 Reduce gear cost

The second part of our "profit equation" above is how much gear you take with you. Using previous tips, reduce that cost. Barters, cheaper mods, etc.

4.3 Increase extracted value

This one is not as tricky as it sounds. Basically there are two ways to extract with more money in the backpack :
The goal is to pay for the gear you will loose when you die while making a profit on top. That one time you extract if you have a MBSS backpack, you'll need items worth like 50k per slot to break even. If you take a tri-zip, suddenly it's only 30k per slot. If you take a blackjack and blackrock from good old ragman, suddenly it's 10k per slot. So you can break even by looting crickents and DVD players almost.
See where I'm going ? Always take a tri-zip or bigger unless you're doing something special. That way you can afford to loot shitty areas, take less risk, and survive more while having a little less value.
We'll cover that in a minute, but there are ways to loot high value items, moderate value and low value. Those have also different risk/reward.

All of those are also map specific. In woods I'll often go with a 6B3TM armored rig for 40k, no helmet, 20k headphones and a sniper rifle. Rest is pouched so does not count. That's less than 100k investment. All players tend to have low value gear so I never extract with a lot either so it balances out. But on Woods, my survival rate is 20% instead of my overall 40%. So I know it's not a map I can reliably make money on, because I measured that accurately over time. This example is very common and should make sense to you.
Same goes for interchange where I have more about 50% survival but will tend to go in with 600k worth of gear, but will also often extract with over 500k quite regularly. Different ratios, different values, different purposes.
You can measure your own data if you're willing to do so, or you can eyeball it. Eyeballing it is much faster but very inaccurate because you will tend to include emotions in the mix when you die. You'll remember losses ~2x more than your wins (that's somewhat scientifically proven), and if you're eyeballing your loadout you might think you have 600k but really you might have only 450k. I would advise to go hardcore and measure it all for price, initial loadout, losses and earnings, for each map.

5. Money runs

Now money runs are vast and numerous. All include different levels of risk and reward. It's up to you once again to find what you're willing to do for the time it takes, the fun it will give you and how much it will actually help you. You can always try them all for ~50 raids the sake of trying something different and see how your data is impacted. it doesn't have to be 50 in a row if you don't want to. As long as you keep track of it it can be over a whole wipe. You'd have your data ready for the next wipe :) Faster is better though.

5.1 Hatchling runs

Safety Score : 100%
Reward : Very Variable. Mentally exhausting.
Those are incredibly money efficient. You're investing a gear of 0 value, so whatever you extract with is 100% win, so you cannot possibly lose money that way. Is it fun? Is it rewarding? I don't care, to each is own. Statistcally speaking, hatchling runs are an efficient way to make money.
They do however require a little bit of knowledge, but not skill. You'll be much more efficient at doing these kind of runs if you know where to go, what to look for, and how to get there depending on your spawn. That being said, such knoweldge is easily found ; it's nothing complex, it just takes time to learn. Once again, depends on how much you're willing to invest (if not roubles, time).

5.2 Scav runs

Safety Score : 100%
Reward : Low-ish
Scav runs are also incredibly efficient for the same reason as hatchlings. Except those have a cooldown. Statisticall speaking I have noticed you should always run your scavs as fast as possible on the map where you extract both the fastest and most frequently.
The explanation is simple, lets make it simpler :
The scav is a button that makes you earn free money. When you press it the button becomes unpressable for some time, when you release the button you earn money (sometimes).
That means you want to release the button as often as possible. And for that, you need to release it as fast as possible. It's that simple. So make scavs incredibly fast. I'm talking "Run through" fast.
Unless you're looking for FiR items or doing something specific like annoying a streamer, you should literally run straight to the extract every single time, and loot what you have that doesn't make you go out of your way too much. Usually I suggest factory, go in, kill a random scav, loot it, get out.
Two weapons is at LEAST 50k, 100 if they have a scope. There you go. That's 100k every 20 minutes (or less with intel center). That's MUCH BETTER than going up to 150-200k but taking 30 minutes to extract, and taking more risk by spending more time in the map. Every second you're in someone can shoot. Nobody can shoot you in the hideout.
The exception to that rule is Scavs with a pilgrim which you can take on your favourite loot-run map, probably interchange or reserve. There you should just fill everything you can and extract once you're full, no matter what you have. 30 crickents and an extra gun is fine.

5.3 Stash runs

Safety Score : Very
Reward : Okay
Those are very very safe and can be done with a pistol and a backpack only. Very cheap, quite unchalleneged, for a moderate reward. Just go on a map that you like and run around and loot all stashes until you're full, then get out. You can vary the map/route depending on the traffic of players. Interchange and shoreline are good contenders for that.
It'll net you easy money. Not great money, but definitely safe.

5.4 Loot Runs

Safety Score : Moderate
Reward : Quite alright
Once you have better knowledge/skill you can start having a specific route in a specific map, depending on a specific spawn. So it'll take time to learn. Usually very similar than a hatchling run except this time you bring moderate gear and go for moderate loots. For example, instead of going for fast techlight, in-and-out interchange, you can decide "alright I'll loot 100% of Oli and the computers in the back", it'll take time, but it'll make good loot. More money than stashes, definitely will see scavs to kill, and most probably some more pvp. More risk. If you win that PvP you have even more loot as well. But overall good reward.
Loot runs need to be "scheduled" and thought of after several tries, so you know how much you can take per person depending on backpack size. For example you can't say "lets loot oli" if you have a 5-man with blackjacks, you'll all be empty. Adapt.

5.4 PvP

Safety Score : Insane
Reward : Unreliably moderate
This one is pretty obvious. Very risky, unpredictable rewards. Usually better than loot runs when you survive. I won't elaborate on this, because if you're reading this far you're probably struggling in PvP. And the rest of this guide already covers a fair bit.

6. Insurance

Safety Score : "Meh"
Reward : Very profitable.
Now this is very, very important. Always insure your gear. Always.
If you die you will get stuff back, pretty much for free. If you're really struggling people won't loot your "trash", so you WILL get it back.
If you play in a group it's very likely that people will hide your stuff too.
And most importantly : you can insurance fraud. This is the best way to balance the equation we talked about earlier. If you find a decent-ish gun, replace yours. You drop your initial investment by a significant margin, you will definitely get it back, and if you extract it's a flat profit. Weapons don't take inventory slot, so if you have two weapons that are not yours initially they will usually pay for your whole gear. I have quite often left my super-mega-modded HK just for an average M4 or other weapon that I can fight with, just so I can reduce my investment by 350k and up my reward by like 200k instantly. Replace your headphones all the time too, that's an easy -30+30k, same with helmets. even if it's a bit broken or slightly worse.
If you're struggling with money, try to leave every raid with at least 3-4 pars of your equipment that aren't yours initially.
But value the risk behind this. I won't leave my slick for a Paca at the third minute of a raid just to have that extra 28k. I won't leave my meta-modded HK for a naked mosin. But if it seems decent/doable, do it. It will pay off. Because even if you die, you still get your shit back, and gun is usually the most expensive part of the gear.

7. Final notes

It's all about balance. Find what works *for you* and try shit out. Really, try. You'll die, you'll learn, you'll adapt with data to back that up. I find it crazy that people will die and not try to learn from it. That's how you will improve as a player.
First you gotta get smarter, then you'll get better. And with time, skill, mechanics, gamesense, all that will improve on the side. Earning more will snowball in your favour. And if you know you're statistically okay, you will have a much smaller gear fear and enjoy the game more.

Sorry for the wall of text, you guys should be used to it with me by now :D I made these guides in video but not in english, so here I am typing it all for you guys.
Enjoy :)
submitted by SixOneZil to EscapefromTarkov [link] [comments]

Start Using Fence.

Something occurred to me last night. The grind up to higher level traders really sucks - you have to use poor gear and poor ammo against people who have access to far better stuff for effectively the same price. Before the flea market change, you could just buy the flipped items for a small markup, but now it's impossible for a level 20 player to buy a threaded 5-7 barrel, or magazines for that 5-7, or even just 20-rounders for that cool SR-25 he grabbed from a raider. The game all but forces players below a certain level to sell those items to the vendor, and they cannot use them.
But we can still use Fence. Players like me, who have tens of millions of roubles floating around and a hideout that keeps adding to them, don't need the 30k of net loss that happens when we buy 10 .308 pmags and sell them straight to Fence. But that simple act will make someone else's day, because suddenly he can use guns that he otherwise would not be able to.
It's like this for a lot of items. Some items, like 5.56 magazines, aren't really needed since they can be bought from level 1 traders, or others may be commonly found in raid and thus readily available on the flea market. So, here's a list of some items I've thought of that casual and new players would really benefit from having sold to Fence.
I'm sure you can think of more, too. But yeah, I figure that my Bitcoin farm can really help some people out when I start dumping all of these into Fence.
submitted by wheeshnaw to EscapefromTarkov [link] [comments]

Some Bitcoin Analysts and Prediction Today and Yesterday & Why "It's not the Price, Dummy"

This is just for fun, I generally have no strong feelings toward bitcoin price (I'm just fundamentally against zero-sum get rich schemes). But today I decided to do a little bitcoin search in news.google.com and see what today's bulls were predicting in 2018. Side note, almost all of the news articles came from crypto sites. I tried my best to stay away from them. Farming magazine telling you agriculture is the future isn't exactly shocking.
To people who invest, please don't consider this as a prediction that price will fall. I'm not astute or smart enough to predict either way. The only possible use is to make sure you are more skeptic regarding predictions. Keep in mind, a rich CEO or consultant can lose 100 million and not really affect his life that much, but a 10k or 100k lose for some people can be devastating. And remember, some of these rich hedge managers don't believe their own bullshit, and hopefully, some of these quotes will emulate that.
(Note, I won't waste time linking them all, but by quoting them directly, it should be easy to google)
(another side note, I didn't purposely search out specific names. I went by the first names I came across, and only ignoring those that I couldn't find anything regarding crypto in past years)

Mike Novogratz

Present: Business Inside: Bitcoin is like 'digital gold' and won't be used the same as a traditional currency in at least 5 years, billionaire investor Mike Novogratz says
Past: On Nov, 2017, he said: "Bitcoin could ‘easily’ reach $40,000 by the end of 2018, hedge fund legend Novogratz says"
2018: "Michael Novogratz calls a bottom in cryptocurrencies" (it wasn't)
Novogratz started a crypto funding in 2018. First 9 months "Mike Novogratz’s Crypto Trading Desk Lost $136 Million in Nine Months" (Bloomberg). Quarter 4: "Galaxy Digital Posts $32.9 Million in Net Loss for Q4 2019". Feb 2020 "Mike Novogratz’s Galaxy Digital Slashes 15% Staff"

Raoul Pal

Present: "For Raoul Pal, CEO of Real Vision, the bullish atmosphere had been reinforced, and further gains were more likely than ever.
“There are literally only two resistances left on the #bitcoin chart - 14,000 and then the old all-time high at 20,000,” he tweeted."
In a tweet today, he said, "Bitcoin is eating the world...
It has become a supermassive black hole that is sucking in everything around it and destroying it. This narrative is only going to grow over the next 18 months.
You see, gold is breaking down versus bitcoin...and gold investors will flip to BTC"
Past: 2014: "Put them in the same kind of equation we get a value of bitcoin and that value is a million dollars. Now, you'll never hear an analyst say this—but I don't mind this—I could be wrong by 90%, and it's still worth $100,000." (to be honest, that's a bit of an impressive prediction in 2014)
On the other hand, he probably didn't really believe his own prediction because in June, 2017 (when it was 2000 USD or so), he said: " “This is the most exponential move we have seen. I don’t know how far it goes, but I sold out last week… and I’ve [owned Bitcoin] since it was $200. Anything that moves exponentially, always [blows up].”"
In 2016, "This view brings Pal to the asset he favors most over the next year out of bonds, equities, currencies and commodities: the dollar."

---

Eh, that was just two. I was hoping to mention several people, but it appears not many people are actually making predictions anymore, and anyone mentioned are basically not big people so I couldn't find much on them regarding bitcoin before 2019.
So, the main thing I like to highlight are the analysts and such are going to make money whatever happens. Fund managers are playing with people's money and, as long as they are not involved in frauds, there is no real harm to them against wrong predictions. Generally, successful business people are successful because they were loud, confident, and were able to convince others that they had the right idea. Even when wrong, they bounce back. Most of us aren't like that.
Some bitcoiners come here to boast when price goes up, as if the increase in price is an indication that argument against bitcoin has been proven wrong. While some people here are fanatically anti-bitcoin, I am not one of those. I have nothing against people making money (why would I be upset that people I don't know around the world became wealthier??). But since bitcoin investing is by design a zero sum game, certain people will eventually lose, and it is most likely it is the people who were listening to predictions by experts that would ultimately be financially hurt, and not the experts making the predictions.
Crypto investing has been a platform where the average person works hard in his day to day life, and then brings the fruits of his labor into this field. The actual productive part of that person's life is the one outside crypto, where they had been productive for the community, and in exchange, they receive wages. Crypto investing's promise is for this wage to increase without the actual productivity. The concern is mainly that the result of all that labor will be misused by crypto "experts" who's own income (their labor) is directly linked to predictions on crypto.
The above paragraph is badly explained, but the main point is that the average person brings in outside money they worked hard for, while "experts" there is generally no outside money, crypto fund management or consulting itself is their job.
---
Money can be made, of course, but money being made isn't necessarily an argument for something. Bitcoin, and crypto, has for the past 1.5 decades still largely just about numbers going up. Google trend on "bitcoin" show top related queries being "bitcoin price", "bitcoin usd", "bitcoin usd price". When people come here when it hits a particular arbitrary price point thinking it's their gotcha moment, it actually just reinforces my argument that it is only about the price. Nothing in the history of human economy has ever lasted based only on the economic model of who you could resell it for at a higher price.
Even DeFi's smart contracts (as much as I could understand it) is about prices going up. It's like for these people the concept of contracts are based purely on money exchanging hands, and no actual task being done. Almost all contracts globally are based on specific productive tasks being done, such as employee contract, supplier contract, property contract, and so on. Only a tiny amount of it is based on "if this currency goes up, then give me that currency" contracts.
---
submitted by madali0 to Buttcoin [link] [comments]

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp [W] All Your Gift Cards!

Please don’t use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors Paypal1, Skrill2, Square Cash, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Apple 60% 60%
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 70% 65%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 65% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 65% NA
Disney Plus PM me PM me
DoorDash 70%4 NA
eBay 75% 70%
Fandango4 10% NA
Gamestop 60% 60%
Grub Hub 70%4 NA
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes 60% 60%
J crew 40% 40%
JCPenney 25% 25%
Khols 30% 30%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 70% NA
Nintendo Eshop 70%4 NA
Nordstrom 50% 50%
PSN4 70% NA
PSN Plus 12 month4 $40 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 70% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 70% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 PM me NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • Bass Pro Shop
  • Fanatics
  • Google Play
  • Hilton Honors
  • iTunes from anywhere but the US
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to giftcardexchange [link] [comments]

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp [W] Apple, Amazon (CA, Com, DE, ES, FR, IT, UK), B&N, Baskin Robins, Clothing Stores (Saks Macys J Crew etc) Delta, Disney Plus, Dunkin Donuts, eBay, GameStop, Grub Hub, Gyft, HBO, iTunes, JCPenney, Microsoft, PSN, Target, Uber, Walmart, Xbox + More

Please don’t use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors Paypal1, Skrill2, Square Cash, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Apple 60% 60%
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 70% 65%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 65% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 65% NA
Disney Plus PM me PM me
DoorDash 70%4 NA
eBay 75% 70%
Fandango4 10% NA
Gamestop 60% 60%
Grub Hub 70%4 NA
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes 60% 60%
J crew 40% 40%
JCPenney 25% 25%
Khols 30% 30%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 70% NA
Nintendo Eshop 70%4 NA
Nordstrom 50% 50%
PSN4 70% NA
PSN Plus 12 month4 $40 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 70% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 70% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 PM me NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • Bass Pro Shop
  • Fanatics
  • Google Play
  • Hilton Honors
  • iTunes from anywhere but the US
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to GCTrading [link] [comments]

Crypto art markets in everything

Christie’s is set to sell its first nonfungible token in an upcoming auction of what has been characterized as “the largest artwork” in the history of Bitcoin (BTC).
Art historian turned blockchain artist Robert Alice has created “Portrait of a Mind” — a monumental series of 40 paintings stretching over 50 meters in length.
Drawing on the history of 20th century conceptualism as well as the founding myth of Bitcoin’s creation, “Portrait of a Mind” is a complete hand-painted transcription of the 12.3 million digits of the code that launched the cryptocurrency.
By scattering the codebase into 40 globally distributed fragments, the project will “draw up a global network of 40 collectors where no one individual will hold all the code,” Alice said.
He explained: “In each work, an algorithm has found a set of hex digits that together are highlighted in gold. These read a set of coordinates that are unique to each painting. 40 locations across 40 paintings – each location is of particular significance to the history of Bitcoin.”
Speaking to Cointelegraph, Alice said he remains curious as to why much of the commemoration of Bitcoin emphasizes the publication of the whitepaper over and above the codebase itself, which, for him, is “the real historical document.”
Christie’s will sell one painting from the series, “Block 21 (42.36433° N, -71.26189° E),” as part of its “Post-War and Contemporary Day Auction” on Oct. 7, at the end of a week-long exhibition of auctioned works in New York.
The piece includes a unique fungible token as an integral part of the work and will be offered at an estimated price of $12–18,000.
Here is the full story, via Shaffin Shariff.
The post Crypto art markets in everything appeared first on Marginal REVOLUTION.
submitted by Significant-Notice- to marginal [link] [comments]

Wife of Norwegian billionaire has been missing since Oct. 31st 2018. She is presumed kidnapped and/or killed. There was a ransom note left at the crime scene, demanding 9 million Euros in crypto currency. What happened to Anne-Elisabeth Hagen?

So.. I have been waiting for months for someone to write about this case here, and since no one has I suppose I’ll have to give it a shot. This is my first reddit post so mishaps are bound to happen, English is not my first language, apologies for any mistakes, etc… (is this a meme yet?) Edit: wow, holy crap! I didn't expect to be given gold! Thank you kind stranger!
Edit: I have added more to the bottom of this post to clear up some confusion or add more important information that I missed the first time.
Anne-Elisabeth Falkevik Hagen (68) is the wife of Norwegian billionaire Tom Hagen, an investor and co-founder of a company called Elkraft. They married young, only 19 years old, before Hagen made his fortune. Although Hagen is now one of Norway’s richest people, the 172nd richest according to financial magazine Kapital, he and his wife have seemingly led unassuming, quiet lives. From an outsiders perspective they seem like the kind of billionaires you could only hope to be if you ever found yourself in such financial luck, grounded and down to earth, living in the same house for almost 40 years, in a suburb of Oslo called Lørenskog. Tom drives a simple Citroën car. They are parents and grandparents. You would never look at them and think "ah, rich people!".
Their house looks like any suburban Norwegian home, there’s nothing flashy or noteworthy about it. No extra security surrounding the area either. There are no gated communities in Norway, but there are still security measures one can take, and probably should take if you’re that rich, and the fact that they hadn’t might have been one of the reasons Anne-Elisabeth was targeted.
This case reads more like a Hollywood movie than an actual crime case to me, because we don’t really have crime like this in Norway. The police kept the alleged kidnapping a secret until January 9th. Since then little pieces of information have come out or developments have happened in the case, but Anne-Elisabeth is still missing. The police now presumes she has been killed, perhaps even on the day she disappeared. Her family, who speaks to the media through their lawyer, still holds out hope that she might be alive.

I’ll try to keep everything precise and easy to follow:
November
Because of the threats in the letter, the police can’t go out with any information regarding Anne-Elisabeth’s disappearance. They have to work very carefully and quietly in their home to secure evidence from the crime scene. KRIPOS (The National Criminal Investigation Service) and ØKOKRIM (National Authority for Investigation and Prosecution of Economic and Environmental Crime in Norway) get involved.
The police finds traces of Anne-Elisabeths blood inside the house, as well as a shoe print. It is unclear whether or not the blood was from the day of the disappearance. The amount of blood found is reportedly “not unusual” because she lived there, which I take to mean it was very little.
Tom Hagen continues to go to work, people describe him as unsociable and desolate during this period. Neighbors are told Anne-Elisabeth is “away”, and family members are kept in the dark as well. At the end of November family members are starting to feel like something is going on. Finally they find out that Anne-Elisabeth is missing, and there are talks of a kidnapping. No one is allowed to say anything.
December
The investigation is still top secret.
January 9th
The police finally allow the media to talk about the case. Norwegian media have known about it for a long time but have been told not to say anything yet. The apparent kidnapping is announced in a press conference after 10 weeks of utmost secrecy.
A few days after the press conference, the police releases a video of the area around Tom Hagen's workplace. A man can be seen walking down the road next to Tom’s place of work at 7:36am on the morning of the crime. He then abruptly stops and turns around to walk back the same way from where he came.
24 minutes later, another man can be seen walking down the same way. He is passed by a cyclist, who has been identified. The two other men have never come forward. It has been theorised that these two men might have been a look-out of sorts.
January 16th
The family receives a new message from the person or people who claim to have Anne-Elisabeth. This message is recieved through crypto currency (bitcoin this time). I’m not quite sure how this works, but from what I’ve read it’s a difficult and insufficient way to communicate.
January 27th
The family again is in communication with the alleged kidnappers.
Some people find it curious at this point that these alleged kidnappers have been unwilling to communicate with the family during the ten weeks of secrecy, but now that the world knows, they are willing to talk. Who is behind this, exactly? Professional criminals who saw an opportunity after the article in Dagens Næringsliv was published and they realised the man in question lives completely unprotected? A family member? Enemies of Tom Hagen? Could it be Tom himself? Who would want to hurt this woman? Rumours are spreading.
February
The police advice the family not to pay the ransom unless they receive evidence of Anne-Elisabeth’s well-being. This is stressed in every press conference, both in Norwegian and English. The family is hopeful that proof will now be provided, seeing as the alleged kidnappers are now willing to talk, albeit very little. However, they receive nothing.
The police interviews a lot of people, including business partners of Tom’s.
April
After a long Norwegian winter, the police wants to search the lake right next to Tom and Anne-Elisabeth’s house. They employ a police dog specialized in search in water (the same dog who helped in the Kim Wall case). It’s unclear whether or not they actually find anything during this search. Certainly no body or anything like that.
May
The family decides to attempt contacting the alleged kidnappers themselves. They haven’t heard anything at all since January 27th. No evidence of Anne-Elisabeth’s well-being has been provided, and none is provided this time either.
June
The police officially changes their main hypothesis. They now believe Anne-Elisabeth was murdered, and not kidnapped for financial gain. They believe the ransom note as well as any evidence found in the house might have been staged to look like a kidnapping.
More surprisingly, the police officially cancels any further search of the two men seen in the surveillance video outside of Tom Hagen’s work the morning of Anne-Elisabeth’s disappearance. They still have not been identified and it is unknown why the police now believes them not to be involved.
July 8th
The family lawyer Svein Holden receives an e-mail from the dark web. It is written in Norwegian, and the writing style suggests that it may have been written by the same person who penned the ransom note. According to Svein Holden this e-mail contains information that only a perpetrator would know. The message of this e-mail is as follows: in order to receive evidence of Anne-Elisabeth being alive, the family has to pay.
It is again commented on by outsiders how odd it is that this message is received now, five months after the previous one, and right after the police changed their main hypothesis.
Tom Hagen decides to pay 1.3 million Euros in crypto currency. He receives nothing in return.
August
The shoe print found at the crime scene is sent for analysis to police all over Europe. German police finds out that the print belongs to a shoe by the brand Sprox, and is in European size 45. It is sold in Norway at Sparkjøp. The police now requests help from the public, and everyone who have purchased these shoes in cash is encouraged to come forward.
September
The cable tie left at the crime scene has been analysed and has been found to be produced in China and sold in Norway at Biltema.
Both Biltema and Sparkjøp are fairly common stores in Norway.
October
The police have now also analysed the paper the ransom note was written on and the envelope it came in. It was purchased at Clas Ohlson, another common store in Norway. All three stores tied to this case are located in Romerike, the district in which Tom and Anne-Elisabeth Hagen lives.
It’s closing in on a year since Anne-Elisabeth disappeared without a trace. The entire country is awaiting answers. The 25th of October would have been Tom and Anne-Elisabeth’s Golden wedding anniversary. On Thursday the 31st, 365 days have passed since this all happened. But it is not a Halloween tale, it is real life. What happened to her? Where is she? Could she still be alive after all this time?
Edited to add more information or clear up some confusing things:
I'll continue to update if I see common questions or there's anything else I remember!

Sources (unfortunately mostly in Norwegian):https://www.vg.no/spesial/2019/lorenskog-forsvinningen-ett-aa?maaned=sommer2018 https://www.vg.no/nyheteinnenriks/i/KvJ6lG/frigir-film-fra-forsvinningsdagen-frykter-ektemannen-ble-holdt-under-oppsikt https://www.dn.no/marked/tom-hagen/strom/eiendom/tom-hagen-tjente-174-millioner-pa-strom-og-eiendom-i-fjo2-1-387353 https://www.cbsnews.com/news/norway-billionaires-wife-anne-elisabeth-falkevik-hagen-being-held-for-ransom/
submitted by __moonflower to UnresolvedMysteries [link] [comments]

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp [W] Amazon (CA, Com, DE, ES, FR, IT, UK), B&N, Baskin Robins, Clothing Stores (Saks Macys J Crew etc) Delta, Disny Plus, Dunkin Donuts, eBay, Gyft, HBO, JCPenney, Microsoft, PSN, Target, Uber, Walmart, Xbox + More

Do not use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca and Amazon.co.uk cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors Paypal1, Skrill2, Square Cash, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 75% 75%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 35% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 35% NA
Disney Plus PM me PM me
eBay 70% 70%
Fandango4 50% NA
Gamestop 60% 60%
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes4 40% NA
J crew 40% 40%
JCPenney 25% 25%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 60% NA
Nordstrom 50% 50%
PSN4 50% NA
PSN Plus 12 month4 $26 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 50% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 PM me NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • Bass Pro Shop
  • iTunes from anywhere but the US
  • Google Play from anywhere but the US
  • Hilton Honors
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to GCtrade [link] [comments]

By trying to fight RMT Tarkov is now inaccessible to the average gamer.

I love Tarkov,
I really love the gunplay the customization the loot / hideout aspect....... however here is the issues with it.
Found in raid:
Prior to 12.6 wipe, you could go in with a gun, grab a few shit items gamma them you could go in with a ADAR / SKS / MOSIN whatever just go in fight scavs PMC's whatever. Hell go do Labs get a few items, die or make it out.
You can have fun.
This patch, not so much. I just ran 5-6 runs with a Sherpa, we died horrifically. I went from 2.1 million roubles down to 1.7. We never engaged first. We took it slow, we went around the perimeter played it stealthy. Because we knew if we engaged with the weapons we brought if they had any armor or ammo it would be a lopsided fight. I went in with very weak gear but I also have now way to make that money back.
After the 6th death this was my exact words to my Sherpa as I had to call it a night: "I love hard games, I love games I can go in and die all night long as long as there is a sense of progression. However this entire night I have 600 exp, and none of the items I gamma'ed out can be used for quests. (I had 2 gas analyzers) Tarkov is not hard, Tarkov is inaccessible in a sense that you need level 40 ammo and armor to progress if you don't have that you need to kill scav's and exit camp or camp in general. There is no reward for going around looting because if you die those items are 100 percent useless for most quests and to you as they can't be sold. Which in turn forces you to maximize chances and minimize rate of success (Paca, penis helmet, SKS or Mosin) You can't get cheap guns anymore on the flea market, Ammo is 1400 a round and everyone has level 5+ armor at this point.
You need to camp at that point and the best way to do it is the exits on either customs or interchange.
Ammo & Armor
At this point in the game, only 3-4 weeks in, you need m995/BS/7n39 if you don't have high pen ammo you lose every fight you have. Most people have level 5-6 armor.
Today I played it slow, I had poor gear on and I engaged a player who had decent armor, I got 8 shots towards him I aimed for the head but the SKS iron sights are not the best. I hit him 4 times and he just turned to me, went prone and 2 tapped me. It happens. But this is every raid. It was only today I discovered the reason for this, high armor pen bullets are apparently hitting twice due to a bug.
regardless, right now the math to take in a AK with red dot and 3 30 round mags of BS is
So you're already at over 140-150k We are not accounting for sights, meds, armor, helmet, back pack, rig, ETC.
Now go into a raid and only be allowed to sell what you find if you extract out and it didn't get brought in by a PMC, with my 1 in 10 odds I better find a labs keycard / high value key every raid
Inaccessible game loop
If you're level 40, its much easier and cheaper because: You have passive income in your bitcoin farm + you can craft ammo end game stuff. A loss isnt much of a loss because you're always making passive money. I have to actively make money. You don't care about EXP because level 40 that's it you have all traders its just banging out quests.
This means you're more capable to run in with high tier gear and ammo, with just 25 GPU's you're making 2.7 million passive rubles a week. Add that onto any scav runs / successful runs and the game is a cake walk you could be a walking loot pinata and you wouldn't care. Because by the end of the weak you would be capable to do it all again. With a full allotment its 4.1 million a week passive. Sure fuel costs factor but nothing is out of your reach then.
If you're level 1 going in, right now, 3-4 weeks in, after the drops. Good luck, Not having access to the flea market, ammo that is useless, you will quickly be bankrupt and be forced to hatchet run, not once not twice, but like several runs to make a bank roll to fund your runs and boring scav runs where you don't engage you just wait out 10 minutes and run for extract.
If you noticed something in here...
Not once did I recommend engaging players, if you want to progress the best way to is not to engage, it is to fight the brain dead AI of the scavs, sit in bushes, and effectively play a boring version of Tarkov. The only time I would engage players is probably after level 20, that is when level 4 armor + decent ammo options are available from the traders and not from the flea market.
And players wonder why the Mosin is abused
If you want people to engage, you want players to get into epic gun battles that don't have a twitch channel they make a living on. Then do the following.
Get rid of trader level requirements for hideout advancement
That is it. 100% if you won't allow us to sell on the flea market, then allow me to use my cash to purchase the items I need to upgrade my hideout and become relevant.
  • It allows players to progress the game multiple ways, even if your survival rate is 1% You can still get bits and pieces out to use for your hide out. And work to completing it.
  • It forces players to go into maps and locate hideout items in turn creating interesting engagements
  • It gives someone a light at the end of the tunnel, every item you're one more step to being able to make passive currency.
  • Allow one ammo of each type be craft-able with decent pen ratings. I don't care if its the best, but if I can make my own ammo from items I loot that is relevant it will allow players to balance the economy.
  • You lose two things. Gear fear and RMT traders no point in buying cash if you can be self sufficient. Tarkov will then be challenging interesting and become the hardcore shooter you always want, if I go in and lose an m4 with 140k in ammo, I don't care because I can go in on a scav run clean up, and then disassemble what I find into stuff I can use going forward and create currency that allows me to play how I want and how you want us to play.
I am not going in with 1.5 million in gear each raid but losing a SKS / Mosin / Paca and penis helmet won't matter.
Regardless, the game is currently being changed and modded to limit player interaction as a direct result of RMT / hackers. They should be making the game less attractive to cheating and RMT trading however with the hyper inflated prices I see right now on the Flea Market it is just making RMT much more profitable and attractive and hindering legit players.
Tarkov isn't hard right now.
If you're level 40 its like shooting fish in a barrel. If you're under level 10 its a tedious grind that is gated behind RPG mechanics you can't play because you don't have access to the tools / gear to fight players.
submitted by Bartuc1988 to EscapefromTarkov [link] [comments]

Personal drops in drop event June 2020

My list of received items in the drop event:
Time Mins1 Items
00:59 0 Glock PS9
04:49 230 Splint
08:57 248 SR1M silenced
14:05 308 Glock-18C
16:55 170 AK-74H MOE
19:47 168 Fast MT
22:37 170 Mechanism backpack
01:26 169 Tea x2
04:17 171 Tactec
07:07 170 Soap
09:55 168 9x39mm 7N12 BP x80
14:48 293 SA-58 50 rnd mag x3
17:38 170 PU 3.5x riflescope (mosin)
20:28 170 Round pliers
23:19 171 Golden TT
02:08 169 Filter
04:58 170 Wendy EXFIL Helmet Black
08:04 186 Vaseline x5
13:58 354 Toilet paper
16:49 171 NSPU-M night Scope
19:40 171 Graphics card
22:30 170 Polyamide fabric Cordura x2
01:17 167 Lone Star TX-15 DML Rifle
04:07 170 Shturman key x2
14:18 611 AKS-74
17:08 170 Labs access keycard x2
19:58 170 Helix x2
22:49 171 Whiskey x3
01:39 170 "Door kicker" boonie hat x3
04:28 169 Alpha Dog Alpha 9 9x19 sound suppressor
07:18 170 ComTac 2
10:08 170 Apple juice
15:08 300 AI-2 x2
18:00 172 ASh-12
20:51 171 Filter x2
23:41 170 SKS (black)
02:33 172 Phased array element
09:12 339 Baretta M9A3
15:34 382 Battered antique Book
18:25 171 Jack-o'-lantern tactical pumpkin helmet
21:14 169 Can of sprats
00:03 169 Spark plug
02:53 170 Mosin Inf. Obrez
05:44 171 M995 x90
10:11 267 30-round 5.45x39 magazine for AK-12 and compatibles x2
14:16 245 Hunter matches
17:06 170 Deadlyslob's beard oil
19:56 170 P90 SBRT
22:47 171 Gen4 high mobility kit
01:38 171 Metal fuel tank x2
04:26 168 Salewa
07:17 171 Money case
10:05 168 Night Vision Monocular
14:08 283 Vulcan MG night scope 3.5x
16:58 170 Bitcoin x3
20:03 185 AA Battery
22:39 156 SVDS
07:08 509 Yotota car key
10:11 183 3V G Paratis 3-Day Operator's Tactical Backpack
14:29 258 NPZ USP-1 4x scope
17:19 170 Purified water x2
20:08 169 Fuel conditioner x2
23:00 172 Screw nut
pc down between 00:00 and 05:15
06:51 471 Glock 17 Viper
09:41 170 Marked key
13:49 248 KAC QDSS NT-4 FDE 5.56x45 silencer
17:25 216 Pliers Elite x2
00:10 405 Remington Model 700 Sniper rifle AAC SD
08:43 513 Chocolate x10
1 minutes since last drop
submitted by Tikosh to EscapefromTarkov [link] [comments]

Little note pad guide I put together

***EDIT***
========I have now added a hideout crafting manual into this too now========
Hey guys. Nothing major. I just made this note pad guide. There might be some spelling error's here and there and inconsistencies but It's just here for people to use post wipe and for new players to use so they don't throw away useful stuff they pick up in raid. Have fun guys.
Just copy-paste it into a note pad text document and it should work fine Have fun PMC's
Content:
  1. Hideout upgrade manual
  2. Hideout Crafting manual
  3. Quest Item Manual
  4. Useful barter Manual
  5. Useful youtube videos
=================================================================================Hideout Upgrade list=================================================================================
Key:
PSU = Power supply unit
______________________________________
__________Air Filtering Unit__________
Level 1: $10,000

_____________Bitcoin Farm_____________
Level 1: 10 CPU fan, 5 PSU, 5 powercord, 1 electric drill
Level 2: 15 CPU fan, 5 PSU, 5 Circuit Board, 2 Phase control relay
Level 3: 25 CPU fan, 10 silicone tube, 1 Eletric motor, 2 Pressure gauge

___________Booze Generator____________
Level 1: 4 Silicone tube, 2 analog thermometer, 2 pressure gauge, 5 corrugated hose

______________Generator_______________
Level 1: ₽100,000
Level 2: 5 Phase control relay, 1 Eletric motor, 15 Wires
Level 3: 6 Phase control relay, 2 Eletric motor, 5 Spark plug, 5 PSU

_______________Heating________________
Level 1: ₽25,000
Level 2: ₽50,000
Level 3: 8 radiator Helix, 8 wires

_____________Illumination_____________
Level 1: ₽10,000
Level 2: 14 Light Bulb, 5 Wires
Level 3: ₽50,000, 7 Capacitors

__________Intelligence Center_________
Level 1: 1 Folder with Intelligence
Level 2: 3 Folder with Intelligence, 3 USB flash drive, 4 Powercord, 4 Hard drive
Level 3: 2 Military COFDM, 2 VPX flash storage, 3 Gas analyzer, 4 Military cable

_______________Lavatory_______________
Level 1: ₽2,000
Level 2: 3 Corrugated hose, 5 Pack of screws, 1 Electric drill
Level 3: 6 Corrugated hose, 2 Pressure gauge, 1 tool set, 3 Xenomorphic

_______________Library________________
Level 1: ₽400,000

______________Medstation______________
Level 1: ₽25,000
Level 2: ₽50,000, 1 Medical bloodset, 3 saline solution
Level 3: ₽150,000, 5 Saline solution, 1 LEDX

____________Nutrition Unit____________
Level 1: ₽25,000, 2 Phase control relay
Level 2: 4 Wrench, 2 Corrugated hose, 2 Akali, 1 Phase control relay
Level 3: ₽125,000, 3 Coffee Majaice, 3 sodium

______________Rest Space______________
Level 1: ₽10,000
Level 2: ₽35,000
Level 3: $3,000, 4 powercord, 5 capacitors, 7 wires

______________Scav Case_______________
Level 1: 2 Lion, 2 Gold Skull, 6 gold chain, 3 Roler

______________Security________________
Level 1: ₽20,000
Level 2: ₽45,000
Level 3: 2 Working LCD, 4 Wires, 8 NIXXOR lense, 1 SSD Drive

____________Shooting range____________
Level 1: 4 Pack of screws, 5 screw nut, 5 bolts, 3 Duct tape

_____________Solar Power______________
Level 1: €15,000

________________Stash_________________
Level 1: ₽3,500,000, 1 Handdrill, 7 pack of screws, 4 WD-40
Level 2: ₽8,500,000, 2 Eletric Drill, 8 pack of screws
Level 3: €150,000

________________Vents_________________
Level 1: ₽25,000
Level 2: 1 Electric motor, 1 car battery
Level 3: 2 Electric motor, 8 Wires, 3 circuit board, 3 Car Battery

____________Water Collector___________
Level 1: 4 Corrugated hose, 5 Bolts, 5 Screw nut, 3 Duct tape
Level 2: 6 Corrugated hose, 2 Electric motor, 2 Tool set
Level 3: ₽ 125,000, 2 Pliers Elite, 5 Shushtrilo sealing foam

______________Workbench_______________
Level 1: 2 Screw nuts, 2 Bolts, 1 Leatherman Multitool
Level 2: 3 Tool sets, 2 Electric drill, 6 bolts
Level 3: ₽195,000, 2 Pliers Elite, 1 Fireklean gun lube
____________________________________________________________________________________________________________________________________________________________________________________

================================================================================Hideout crafting list================================================================================
__________Intelligence Center_________
Flash drive: 1 GPhone, 1 GPX, 1 SSD Level 2
Intelligence: 3 Flash drive Level 3

_______________Lavatory_______________
Expeditionary fuel tank: 6 Zibbo, 8 Crinket Level 2
2 Corrugated hose: 1 Silicone tube, 3 Wires, 3 blue tape Level 2
Magazine case: 2 Expeditionary fuel tank, 1 M.Scissor, 3 bolts, 3 screw nut Level 2

______________Medstation______________
3 AI-2 Medkit: 1 meds Level 1
Salewa: 1 Painkillers, 1 Bandage, 1 Splint Level 1
2 Meds: 1 AI-2, 1 Bandage, 1 augmentin Level 2
2 IFAK: 2 Meds, 2 Army Bandage Level 2
Grizzly: 5 Meds Level 3

____________Nutrition Unit____________
Iskra Lunch box: 2 Crackers, 1 Tushonka, 1 Squash Level 1
7 Slickers: 1 Alyonka, 1 Oatflakes, 1 Crackers Level 2
8 Aquamari: 1 Superwater, 1 Silicone tube Level 3

____________Water Collector___________
Superwater: 1 Water filter Level 3

______________Workbench_______________
Red gunpowder: 1 Blue gunpowder, 1 Green gunpowder, 1 match box Level 1
8 VOG-25 Khattabka grenade: 5 40 mm VOG-25, 5 fuze Level 1
1 Blue gunpowder: 70 5.45x39 mm PS Level 1
1 Motor: 2 Electric drill, 1 Flat screwdriver, 1 screwdriver Level 2
5 car battery: 1 6-STEN-140-M military battery, 1 Leatherman multitool Level 2
5 RGD-5 grenade: 1 OFZ 30x160mm shell Level 3
____________________________________________________________________________________________________________________________________________________________________________________
Key:
* = Must be found in raid
^ = Requied Item
~~~~ = Common items to look out for.
=================================================================================Quest Items to keep=================================================================================
Prapor | Checking: Machinery key^
Prapor | Delivery from the past: Customs office key^
Prapor | Bad rep evidence: Portable cabin key of customs Factory zone^
Prapor | Ice Cream Cones: 6 60round AK magazines
Prapor | Shaking up teller: Dorm room 203 Key^
Prapor | The Punisher part 2: 10 Lower half-masks* ~~~~
Prapor | The Punisher part 4: 10 Bars A-2607- 95x18 | ANY Balaclava^ (CF, Balaclava, Ghost, Momex), Scav Vest^
Prapor | The Punisher part 5: 3 M4A1's, 3 AK-74N's, 5 PM Pistols
Prapor | The Punisher part 6: 10 USEC dogtags, 10 BEAR dogtags
Prapor | Regulated materials: Military Battery*, 10 30-mil. shells*

Therapist | Shortage: 5 Salewa kits
Therapist | Sanitary Standards part1: Gas analyzer*
Therapist | Sanitary Standards part2: 3 Gas analyzers
Therapist | Operation Aquarius part1: Dorm room 206 Key^
Therapist | Painkiller: 5 Morphine*
Therapist | Pharmacist: Dorm room 114 Key^
Therapist | General Wares: 15 Tushonka* ~~~~
Therapist | Car Repair: 4 Car batteries*, 8 Spark plugs* ~~~~
Therapist | Health care privacy part2: West wing room 306 key^
Therapist | Health care privacy part5: 3 Blue Gun powder^
Therapist | Hippocratic Vow: $500^
Therapist | Private clinic: 3 Ophthalmoscopes, 2 LEDX
Therapist | An apple a day: ₽400,000^


Skier | Supplier: 4 Module-3M bodyarmors, 4 TOZ-106 bolt-action shotguns
Skier | The Extortionist: Unknown key^
Skier | What's on the flash drive?: 2 USB flash drives
Skier | Golden Swag: Dorm room 303 Key^
Skier | Chemical part 1: Dorm room 220 Key
Skier | Chemical part 1: Dorm room 220 Key^
Skier | Friend from the west part 1: 2 MBSS Backpacks, 1 AVS platecarrier
Skier | Friend from the west part 2: $6,000
Skier | Vitamins part 1: Office 112 West wing key^, Key to EMERCOM medical unit^
Skier | Vitamins part 2: 5 Respirators*, 5 Medical bloodsets
Skier | Lend Lease Part 1: West wing room 216 key^, East wing room 306 key^, East wing room 308 key^
Skier | Chumming: 9 Gold Chains^
Skier | Bullshit: 1 Roler^, 1 SV-98 bolt-action sniper rifle^

Peacekeeper | Fishing gear: 1 SV-98 bolt-action sniper rifle^, 1 Leatherman Multitool^
Peacekeeper | Humanitarian supplies: 5 MRE lunch boxs
Peacekeeper | Spa tour part 3: 1 WD-40 100ml*, 2 Clin wipers*, 2 Corrugated hoses*, 2 Ox bleachs*
Peacekeeper | Spa tour part 4: West wing room 219 key^, West wing room 220 key^
Peacekeeper | Spa tour part 6: $8,000
Peacekeeper | Spa tour part 7: 4 Morphine*, 2 Akali*, 2 Corrugated hose*, 2 Propane*
Peacekeeper | Cargo X part 1: East wing room 306 key^, East wing room 308 key^
Peacekeeper | Lend Lease part 2: 3 Virtex programmable processor, 2 Military COFDM wireless Signal Transmitter,
Peacekeeper | Wet Job part 5: East wing room 328 key^, Health resort utility room key^
Peacekeeper | Mentor: €50,000

Mechanic | Farming part 1: 2 tool sets^
Mechanic | Farming part 2: 3 Powercord, 5 T-Shaped Plug, 3 Printed circuit board
Mechanic | Farming part 3: Customs office key^
Mechanic | Farming part 4: 7 Graphics cards, 7 CPU fans
Mechanic | Signal part 2: 3 PC CPU*, 3 Rechargeable battery*, 3 Printed Circuit board* , 3 Broken GPhone* ~~~~
Mechanic | Bad Habit: 7 Malboro Cigaarettes*, 7 Strike Cigarettes*, 7 Wilston cigarettes* ~~~~
Mechanic | Import: 2 UHF RFID Reader, 2 VPX Flash Storage Module
Mechanic | Fertilizers: 5 Wires*, 5 capacitors*

Ragman | Dressed to kill: 7 Ushanka ear-flap cap, 7 Kinda cowboy hat ~~~~
Ragman | Gratitude: Ghost balaclava^, Shemagh^, RayBench sunglasses^, Round frame sunglasses^
Ragman | Hot Delivery: 2 ComTac 2 headset^, 6B47 Helmet^, Gzhel-K armor^
Ragman | Database part 2: Key to OLI logistics department office^
Ragman | Sew it good part 1: 2 Shmaska, 2 Pilgrim backpack
Ragman | Sew it good part 2: 2 Gzhel-K armor
Ragman | Sew it good part 3: 2 6B43
Ragman | Sew it good part 4: 2 WTRig, 2 Black rock
Ragman | The blood of war part 2: 4 Fcond*
Ragman | Living high part 1: 3 lion, 3 horse, 2 cat, 1 roler
Ragman | Living high part 2: 3 teapot*, 2 Vase*
Ragman | Supervisor: Key to Goshan cash register
Ragman | Textile part 1: 5 Aramid fiber cloth*, 10 Ripstop cloth*, 3 paracord* ~~~~
Ragman | Textile part 2: 10 Fleece cloth*, 10 Polyamide fabric Cordura*, 5 KEKTAPE duct tape* ~~~~

Jaeger | Acquaintance: 5 Iskra lunch box, 6 Emelya rye croutons, 3 delicious beef stew ~~~~~~~~~~~~~~~~~
Jaeger | The survivalist path thrifty: 2 Iskra lunch box^, 2 Water Bottle^
Jaeger | Huntsman path - the trophie: 1 golden TT*
Jaeger | Huntsman path - Sellout: Killa's helmet*
Jaeger | Huntsman path - Woods keeper: Shturman's key*
Jaeger | Ambulance: 3 CMS surgery kits, 2 Portable Defilbrillators
Jaeger | Shady Business: 3 flash drives*
Jaeger | Fishing place: 3 TerraGroup Labs access keycards*

Fence | Pickup: firesteel*, Antique axe*, antique Book*, FireKlean gunlube*, rooster*, Silver badge*, Deadlyslob beard oil*, Golden GPhone*, Devildog Mayo*, Sprats*, Fake Mustache*, Kotton Beanie*

=================================================================================Useful barter trades EFT=================================================================================

---Prapor---
RGD-5 Grenade: 1 ES lamp - REPUTATION LEVEL 2
F1 Grenade: 2 ES lamp's - REPUTATION LEVEL 3

---Therapist---
Painkillers: 2 Match boxes - REPUTATION LEVEL 1
Car medkit: 2 Duct Tape - REPUTATION LEVEL 1
Lunchbox: 1 Syringe - REPUTATION LEVEL 1
Office key: 4 Gold chains - REPUTATION LEVEL 2
Med case: 7 Blood sets, 7 Syringes, 2 Vasaline - REPUTATION LEVEL 2
Scav Junk Box: 100 level 10+ dogtags - REPUTATION LEVEL 2
Document case: 1 cat statue, 1 Lion Statue, 5 Horse statues - REPUTATION LEVEL 2
ICase: 20 Ophthalmoscope 10 meds OR 140 level 15 dogtags - REPUTATION LEVEL 3

---Peacekeeper---
MBSS Backpack: 1 Hard Drive - REPUTATION LEVEL 1
P226R Pistol: 4 A-2607 - REPUTATION LEVEL 1
Intelligence: 2 Black diaries, 2 Green diaries - REPUTATION LEVEL 3

---Mechanic---
VOG-17 Grenade: 1 Fuze - REPUTATION LEVEL 1
AmmoCase: 5 Blue gunpowder, 1 Green gunpowder - REPUTATION LEVEL 1
Toolset: 1 Pliers, 1 screw driver, 1 Wrench, 1tape, 1 tape - REPUTATION LEVEL 1
LCD Screen: 3 Broken LCD screens - REPUTATION LEVEL 2

---Ragman---
PACA Armor: 3 Half Masks - REPUTATION LEVEL 1
6B5-15 Armor: 3 soap, 4 Toilet paper - REPUTATION LEVEL 1
6B47 Helmet: 2 Bleach - REPUTATION LEVEL 1
GSSh-01Headset: 2 Paper - REPUTATION LEVEL 1
MBSS backpack: 2 Level 1 Dogtags - REPUTATION LEVEL 1
ComTac Headset: 6 Matchboxes - REPUTATION LEVEL 2
Tri-zip: 4 ES lamps - REPUTATION LEVEL 2
GZHEL armor: 2 Gold Chains, 3 Coffee - REPUTATION LEVEL 3

---Jaeger---
Fuel: 15 Matchbox - REPUTATION LEVEL 1
Food bag: 10 hot rod, 15 tar cola, 5 Herring, 5 squash - REPUTATION LEVEL 2
Sicc case: 10 Paracord, 15 Duct tape, 10 Blue tape, 12 Nails - REPUTATION LEVEL 3
Red rebel: 15 Propane tank, 10 Fcond, 15 Dry fuel - REPUTATION LEVEL 3
Grenade box: 5 survL, 15 matches, 8 repellent - REPUTATION LEVEL 3

=================================================================================Useful Videos=================================================================================

5 Weapon builds for level 1-10: https://www.youtube.com/watch?v=3gaucOGg0Eg
3 Low recoil AK builds: https://youtu.be/gGtO79Mnp6E
3 Low recoil M4 builds: https://www.youtube.com/watch?v=OXNYEY8OlZ8
Body Armor guide: https://youtu.be/Cpbnt2beYkw
Helmet Guide: https://youtu.be/EVL18PTInAg
Pestily Playthrough Series: https://www.youtube.com/watch?v=NfhzNj4Fpcs&list=PLZJoJ7H5Zfou35S9qHj_lza1n-geWBW3s
submitted by Underdome_Savage to EscapefromTarkov [link] [comments]

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp [W] Amazon (CA, DE, ES, FR, IT, UK), B&N, Baskin Robins, Clothing Stores (Saks Macys J Crew etc) Delta, Disny Plus, Dunkin Donuts, eBay, Gyft, HBO, JCPenney, Microsoft, PSN, Target, Uber, Walmart, Xbox + More

Do not use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca and Amazon.co.uk cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors , Google Wallet, Paypal1, Skrill2, Square, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 35% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 35% NA
Disney Plus PM me PM me
eBay 70% 70%
Fandango4 50% NA
Gamestop 60% 60%
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes4 40% NA
J crew 40% 40%
JCPenney 25% 25%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 60% NA
Nordstrom 50% 50%
PSN4 50% NA
PSN Plus 12 month4 $26 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 50% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 $72/$36/$18/$6 NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • iTunes from anywhere but the US
  • Google Play from anywhere but the US
  • Hilton Honors
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to giftcardexchange [link] [comments]

Want to scrap RMT? Reduce cheating and hatcheting? Dissolve the meta? Open your mind and let's talk.

Disclaimer #2: I wrote this early yesterday morning and since then, the podcast happened and FIR Flea Market was announced. I have redacted some sections as a response.
Disclaimer: I know this is a long read and contains many sensitive subjects such as Secure Containers, the Flea Market, and Soft Skills, but it is simply a compiled list of ideas and in no way am I demanding for ultimate order in my favor or holding anybody else's ideas in contempt. I understand that my ideals may drastically differ from others. I only wrote this because of my passion for this game and my desire to see it succeed in the scope of what the devs outlined it to be, or at least how we interpret it: a hardcore looter shooter. I implore you guys to offer your own suggestions, ideas, and pick apart mine. This thread should only serve as the foundation for a greater Tarkov.
First, let's establish some terms to better differentiate between the two types of cheaters. There are consumer cheaters who use programs to gain an advantage over other players simply for the satisfaction of winning. Then, there are commercial cheaters, who are using these same programs but in order to generate an income in real life.
Commercial cheating will always be prolific in any video game that offers players transferable goods, and for as long as there is real money profit to be made, the benefits will continue to outweigh the risks. Any security expert can tell you that no lock is unpickable, no chain is unbreakable, and no password is unsolvable, but that doesn't mean we should all keep our doors unlocked, bikes unchained, and our passwords as "1234". And while a chain might not prevent your expensive road bike from getting stolen, having a chain, a disk lock, lojack, and the front wheel taken with you will certainly deter the grand majority of otherwise would-be thieves, who will of course, make an attempt on the less-protected bike adjacent to yours instead.
Battleye is a good start, the equivalent of a quality bike chain if you will, but of course--enough to stop most consumer cheaters, though not enough to stop most commercial cheaters. So let's ask ourselves: Where should intervention be focused on the most? We could target the cheat providers, but they'll keep writing more cheats. A game of cat and mouse. We could target the (commercial) cheaters, but they'll just buy more accounts and more cheats with the money they made cheating. Cat and mouse. Who else, then, if not the problem? They aren't the problem. Your every-day player. He is the problem. Small businesses are closing for good because the risk of COVID-19 is preventing customers from supporting their establishment. Let's increase the risk for the RMT customer to get the product that they paid for.
How? Make secure containers "read-only". Anything in your container can be "used" i.e. meds, keys, loose rounds for magazine packing, but nothing can be taken out or put in. It will then act as a non-transferable stash that can safeguard your valuables. No more accidentally dropping your S I C C case full of keys and then getting killed. However.. want to drop a keycard, case of bitcoins, or other valuables to a friend or a customer? It has to start and end the raid outside of either persons' secure container. This puts tradeable goods at risk for both the buyer and seller for the entirety of the raid, and not just at the extract when the transaction is made.
This simultaneously makes PVP more rewarding. Now, when you murder that pistoling who risked nearly nothing and put an annoying crack in your shiny, expensive face shield, you'll be able to take the graphics card or LEDX off of his body to remind him that his chances at those items would have been greater had he risked some gear of his own. More gear taken into raids is more gear taken out of the economy. Combined with the current weight system, this is a necessary and intuitive money sink.
On the topic of money sinks, let's consider changing how insurance works. Rather than insure items, we could insure ourself. Pay Prapor or Therapist a reasonable, fixed fee in advance to recover any goods left on our body (only what was taken IN to the raid. I was exploring the idea of having the game take a snapshot of your corpse's entire inventory upon the conclusion of the raid and sending it in the mail, but it would be too easy to abuse for RMT purposes. The seller could give the customer a backpack full of bitcoins and kill him in a bush for example). Because the body is insured and not each individual item, things such as ammo and meds could be returned without the bloat of having an insurance status on each individual bullet in a magazine, the primary reason I believe ammo to not be insurable currently. The fee could scale with the "safety" of the map. For example, Prapor's boys would probably feel less comfortable scouring Reserve for your dead body than a place like Factory, and thus the fee for body recovery on Reserve could be upwards of 100K and unless you were completely stripped, you would still probably make money back on unlooted ammo/meds alone. Factory on the other hand, because of how small the map is and therefore easy to find dead PMCs, the fee could be a reasonable 10K.
This does two things:
First, it stops insurance fraud. Dumping your gear (to ditch a thermal or wear someone else's kit, guaranteeing you get yours back) or your dead buddy's gear into a bush is unimmersive and bad for the economy. The current insurance system unreasonably rewards squad play for the wrong reasons, effectively removing the penalty for death if at least 1 competent person in the group survives (I personally frequent 3-5 man squads and it just feels unfair how much gear I get back when I die).
Second, it sets up a new dynamic in place of insurance fraud. Now, if you want your buddy to get his stuff back, you have to defend his body or extract with his gear. This rewards scavs for properly scavenging, looking for the fruitful casualties of groups that made it out. This is good for the economy, as the punishment for death almost always will result in a transfer of wealth to those who work for it and not a retention of wealth for non-solos.
Next up, the Flea Market.
It has been expressed many times by streamers that the Flea Market has ruined the game and should be removed but on the other hand, there were people complaining that level 15 was too high of a level to access the Flea Market and it has since become available earlier. I believe that the Flea Market is the core reason this game experiences the stagnant meta that it does. Global stock and personal limits from traders mean nothing when you can just visit the Flea Market and stockpile VALs and SR3Ms to run EVERY raid. Of course I am nobody to try and force anybody to play a certain way or use a certain loadout, but I do believe that the game would be more exciting if rare loadouts were actually rare. One solution is to make the Flea Market "find in raid" only. Not only would this be another nail in the RMT coffin (it would prevent customers from selling transacted barter items for exorbitant prices), but it would mark the first true player-driven economy by removing flipped goods from traders.
Traders could offer a (per-person, not global) tailored, but random assortment of goods each restock that you can piece together a kit from rather than a static array of goods unlocked by loyalty level. The (loyalty) level of the player would determine the frequency and strength of their goods. At Prapor LL4 for example, you may see VALs pop up more often, but once you buy them, that's all, and you have to wait until next restock and he might not even have any by then either. You might see a VAL available at lower loyalties as well, but even less frequently. Traders could then scale their prices dynamically to global demand (not the old, abusable system. This one would change the price incrementally based on purchase frequency. Global purchase frequency rising on a specific item? Global price on that item raises accordingly). This is good for the economy and, combined with making the Flea Market "find in raid" only, I believe it to be a solution to stagnant meta. How cool was it when you were new and killed that guy who had an SV-98 that you had to examine because you hadn't seen it until now? You'd get that feeling more often this way. Lastly, if the "find in raid" status is spoofable by cheaters, add a server-side check for the status.
Now on to weapon attachments.
Because of how unusable most stock rifles feel, there is a huge appeal for sticking as many appendages as possible to rifles to achieve that sweet <70, or god forbid, <40 recoil. Many of the attachments in the game go untouched because they don't offer even close to the arbitrary stat benefits of those in the meta. It is such a shame, as one of Tarkov's greatest strengths is the weapon modding system. I believe a step in the right direction would be to improve base weapon stats around the board (excluding weapons with fewer attachments such as the DVL) and and then nerf and bring each attachment more in line with each other, especially some of the outliers. Compare the RK-2 to the VPG for example. As such though, if an unmodded weapon vs a modded weapon wasn't night and day, it would promote significantly more weapon and attachment diversity. Of course some people are still going to min-max no matter how insignificant the benefits are. I would just like to be able to use a shortened SA-58 and be remotely competitive with a BMD'd 21" CASV SA-58. Or be able to C-clamp a Zhukov AK-102 without a foregrip and not lose to an equal-skill player 3/5 times who has the same gun, but with an RK-2.
Soft skill requirements for tasks and upgrades should be removed. They incline people to figure out ways of abusing the system and given people a reason to endorse it in order to progress through the task lines and upgrade their hideout. Soft skills should only be a passive reward for playing the game, not something people feel obligated to abuse. Additionally, PMCs should start at a higher level of soft skills, say... 10, to reflect the training and experience they received during employment. It doesn't make sense that untrained scavs have the same physical and mental capabilities as professional soldiers.
Certain skills as well can benefit greatly from a rework. Let's look at the following:

Strength
The elite perk is incredibly overpowered, but only because of how extreme it is. It could be changed so that each level of Strength increments a small % of the current elite perk, such as 0.5% per level, and then an additional 5% or so for elite, so at level 51, only 70% of the weight from worn gear would be counted. Run speed and Jump height could be reduced, and the leveling speed increased.
On the topic of gear weight, now that the weight system has been introduced and we get slower the heavier we get, could flat movement speed penalties from armor be removed? 6B43 already weighs 20KG. Why does it also slow for an additional 42%? Nobody uses heavy armor anymore because the extra protection is not worth the forfeiture of loot AND lowered base movement speed AND lowered sensitivity/ergonomics. Sensitivity inconsistency is another issue and most consider it a cardinal sin in FPS games.

Recoil Control
Heavily reduce the benefits. -0.3% recoil per level totaling -15% at level 50. As well, -0.4% recoil on the first shot per mouse click. The elite perk could be an additional 5% reduction on the first shot per mouse click. This would be a nice buff to semi-autos and make them more competitive against the current laser beam meta guns.

Search
The elite perk, again, is overpowered. Perhaps starting at Search level 0, we should be able to search two items at the same time, but at 40% speed each if searching two items at once. If only one item is searched at a time, speed would remain at 100%. With each level, search speed for double search increases by 1% and single search by 2% and the elite perk adds an additional 10%, bringing double search speed up to 100% at level 51 without the black and white difference between levels 50 and 51.

TL;DR: No TL;DR because I know some people will draw wild conclusions before fully understanding the content of the post.
submitted by 1199_Panigale_S to EscapefromTarkov [link] [comments]

[H] Crypto, Apple Pay, Paypal, Skrill, CashApp, Venmo [W] Amazon (CA, DE, ES, FR, IT, UK, US), B&N, Baskin Robins, Clothing Stores (Saks Macys J Crew etc) Delta, Disny Plus, Dunkin Donuts, eBay, Gyft, HBO, JCPenney, Microsoft, PSN, Target, Uber, Walmart, Xbox + More

Do not use mobile to trade. I will ignore your chat message.

Desktop Users: Comment on this post and Click here to start a trade App Users, please include the following in your PM (Remember to comment on this post as well):
For Amazon.ca and Amazon.co.uk cards, if you can verify their origins, I will pay the listed price, otherwise it will be 50%.
I have the following crypto 5: ALGO, BCH, BTC, ETH, LINK, LTC, XLM, and XRP
and payment processors , Google Wallet, Paypal1, Skrill2, Square, Venmo, and Apple Pay
Want ↓ Cash or a Gift Card ↓ Bitcoin/ethereum/Bitcoin Cash/Litecoin ↓
Amazon.ca 60% 60%
Amazon.co.uk 70% 70%
Amazon.com 70% 65%
Amazon.de 50% 50%
Amazon.es 50% 50%
Amazon.fr 50% 50%
Amazon.it 50% 50%
Arrow Films 65% 60%
Barnes & Noble 50% 50%
Baskin Robbins 60% 60%
Bloomingdales 50% 50%
Clothing Shops (Small Boutique) contact me contact me
Dell3 60% 60%
Delta gift cards4 35% NA
Delta Sky Miles4 PM me NA
Delta Vouchers4 35% NA
Disney Plus PM me PM me
eBay 70% 70%
Fandango4 50% NA
Gamestop 60% 60%
Gyft 70% 70%
Half Price Books 50% 50%
HBO 70% 70%
iTunes4 40% NA
J crew 40% 40%
JCPenney 25% 25%
Macys 35% 35%
Magazines.com 40% 40%
Microsoft4 60% NA
Nordstrom 50% 50%
PSN4 50% NA
PSN Plus 12 month4 $26 NA
Saks Fifth Avenue 50% 50%
Sears 50% 50%
Sephora 50% 50%
Target 60% 60%
Uber4 50% NA
Urban Outfitters 50% 50%
Vudu4 50% NA
Walmart 60% 60%
Xbox (gift cards)4 60% NA
Xbox Game Pass Ultimate (12 month/6 month/3 month/1 month)4 $72/$36/$18/$6 NA
1 When paying via PayPal, I can only send payments via Goods and Services, thus you will be charged a fee. If you'd rather not face this fee there are plenty of alternatives. 2 Skrill charges an upload fee and transaction fee, both of which will be taken from the payment. 3 Larger denominated gift cards preferred. 4 PayPal is the only payment option. 5 I can't send less than $10 in crypto per Coinbase's rules.

What I don’t buy:

  • iTunes from anywhere but the US
  • Google Play from anywhere but the US
  • Hilton Honors
  • Spotify
  • Steam
  • old navy/gap/banana republic
  • Hot Topic
  • PSN Canada or UK
  • Xbox Canada or UK
  • Xbox live gold
I will buy gift cards in almost any denomination, although if you are offering an item worth $100 or more we will need mod approval. I will not trade Bitcoin for cash, or do any other cash for cash trade, as that would violate rule 6, and I don't sell gift cards. This is a buying post, not a selling one. Any fees are built into the price.
Here are my GCX Rep profiles with 943 trades worth more than $61,000:
Important: before you send your codes please make sure your account is secure (if your password is twelve characters or less it's best to assume your account has already been compromised; your password should be eight randomly selected words, see 1 and 2). Scams where compromised accounts are used to leverage reputation to scam an unsuspecting user, used to steal codes during the middle of the trade, and steal unused gift cards the victim was saving for later are increasingly commonplace. If you have any concerns as to your account's security, please reset your password now and force logout of all sessions. Thanks
submitted by seeldoger47 to GCtrade [link] [comments]

To everyone struggling with solvency:

Here's a bunch of tips for ways to make roubles and how to keep them coming in. Your results may vary but I started out as a complete newbie last wipe and farmed well over 400m, had all keys, all the cash I could spend. I'm on my way to that same level this wipe so it seems the strategies are working still, take them or leave them as you will.
Scav Runs
The first order of business should be purchasing an intelligence folder and upgrading your Intel center to at least level 1 (reduces timer to ~16 min) these extra runs will quickly pay for the cost of the folder, it also helps you progress towards your other hideout upgrades. Such as bitcoin farm, scav box which will help with more easy money later.
The runs. There are varying schools of thought here, some people like to take their time and loot interchange or reserv others like to get in and out quick, I am among the latter group. Neither is incorrect but I will explain my reasons for in and out runs.
My personal strategy is to spawn on factory, run straight to my scav extract (not gate 3, for the love of God). If I find a dead body along the way, I'll loot it. At my extract if there was a scav near by that I can kill quick loot and then immediately extract, I'll do that as well. It's usually 100-200k profit per run and I survive 90% of the time.
Squads Squads Squads
If you want to play solo, that's fine and perfectly viable but know that you have just set yourself against a harder task.
Squads offer huge benefits a few listed below:
Your downsides are that you're going to split loot in some way shape or form reducing potential/theoretical profitability (but in practice, it increases actual survival and there by profitability)
You have to have patience, waiting for everyone to get out of raids especially when someone dies early on into a raid is a pain.
The occasional team kill (accidents happen even amongst coordinated squads)
You'll divert at times from your objectives to complete someone else's objectives.
I usually find a 3 man squad works best at balancing the pros and the cons but duos and quads are doable. 5 man squads can get unwieldy and I really only do those on labs.
If you don't have a squad,and want one, Find a discord channel, join it, play with a random squad, if you don't like their community, find another, there are tons of discord out there keep trying until you find people you click with.
looting
Knowing what and how to loot will increase your profitablilty on every raid you survive, so your wins are better and carry your through more losses. This is hugely important if you are struggling with money/survivability trying to make every slot and rouble count.
Barter items: Commonly found items scattered throughout the map, unfortunately this list is extensive and ever-changing with the ebbs and flows of the markets. There are people and wikis that keep updated spreadsheets with item values I would suggest you refer to. Or taking a look at the market and getting a feel for it. Just playing the game you will build up this knowledge over time. The only suggestion I have here is that if you've never seen something before, get it out of raid. Worst case scenario is you find out it's worthless and you now know for next time, best case, it's a rare item (hence never seeing it before) and you just made bank.
Looting kills:
-When first opening up or 'tabbing' into a body look at the experience you get for searching that body it will be indicative of loot quality to some degree. Scavs with 50-100xp on initial opening likely just have their gun/ammo and an AI2 on them or similar. Scavs with 200-300xp are likely sporting labs keys, door keys, or rare items, search them entirely, pockets and all.
-search pmc pockets for things like grenades and meds, this is usually missed and can have good utility and or value.
-attachments, attachments, attachments. If you can't fit the gun what attachments does it have, items to focus on are suppressors, optics, lights, and lasers, combined they usually hold the majority of a kitted guns value between them, they're smaller and can easily be tucked into the nooks and crannies in your rigs.
-similarly, what ammo are they running? Check their magazines even if you can't fit the magazine the ammo may be worth taking out, did that player you just killed have 2 30 round magazines of bt in his vest? Great unload those puppies and place that single squar of 60 rounds in your pack, it's worth 20k give or take on the flea market.
-insurance fraud, always insure when going into raids. If you find a piece of armor, weapon, etc that is comparable to yours in value and utility, trade it out. Hide your insured item somewhere reasonably safe, and it will likely come back to you allowing you to free up space for more profit and mitigate risks as well. (now if someone kills you and loots you its not your stuff they're stealing).
If you're especially broke, you can plan to do this from the start. Don't bring in a Triton, bring in a micro rig, bring in a lightly modded scav weapon and trade it out the first opportunity you get, etc. Extend the life of YOUR gear by safely tucking it away. Even if you never extract your 1 set of gear might last you 5+ raids this way, costing the approximate 10-20% of value each time to insure. I've got a few Mrigs that I keep having come back to me on insurance since day 1 of the patch, at this point I've traded each of them up for a Triton or better and sold that for 10-20k end of raid 5+ times. That at this point only cost me 1kish to bring into each raid. If you want to be extra safe break down your weapons before tossing them, the likelihood of someone finding a loose suppressor or pk06 that's hidden in a patch of tall grass or a bush is laughably low.
Overall focus on value per slot when looting. Even on customs there's enough loot that when properly done can net you 700k+ profit for a single raid.
Risk Mitigation and cost effectiveness
This is where I find most people have the hardest time with their money. They buy stuff they don't need, over spend on stuff they'll never use, and risk/lose tens of thousands of roubles per round for no reason, they're better off throwing their money down the toilet.
Every item you bring should have a purpose, an intended use, take a good hard look at your play style, what you use, and don't bring fluff. Everyone has a different playstyle, skill set, and understanding so I can't tell what you use and what you don't. Be critical in your self evaluation though.
Common examples I see, friends copying weapon builds that have lasers, flashlights, or canted sights that they haven't used in the 10 raids I've watched their stream. Grenades they forget about unless I specifically ask for a grenade and they check to see if they have it. Stims they never pop, side arms they never switch to, etc.
Another thing I see far too often, players using armor long past its expiration date. Armors effectiveness at resisting penetration (and thus doing its joplb protecting you) is directly related to its durability compared to its original maximum durability. If you've repaired that kirasa armor so many times it's new maximum durability is 25. It's worthless at protecting you and even buckshot is going to tear through that fairly easily, it's best use at that point is being sold to fence. Generally speaking armor should be tossed when it is no longer repairable to at least 50% of its original maximum durability. I've killed more rookies this wipe rocking sub 20 maximum durability killa armor than I can count and that's with me using 545 ps ammo that has horrendously bad penetration. Worse yet they likely bought that useless armor on the market for 80k+ because it was the 'cheapest killa armor'
Make sure what you have has a purpose, isn't costing too much for your cash/income level to justify that purpose, and mostly make sure it's serving that purpose.
This even extends to some 'given' items that most people bring into every raid. If you're running a pistol, do you really need meds in your container? What are the odds you're going to survive a firefight, need to heal with those meds? Now balance that against how often you could've gotten out with another few items you found in raid, say wires, screws, bolts, those 4-5 extra slots could've been something worth 40-50k. This will depend on your skill but for most I'd lean towards not bringing the meds in that specific instance.
Early wipe (or if I'm broke) for instance you'll see me running a scav weapon with a sight/ foregrip, a rig, a spare mag or two (with 120ish rounds spare to repack in my gamma) meds (also gamma) and a scav backpack.
location, location, location
Where are you going? what do you expect to encounter? Why are you going there? Your gear and location should match accordingly. If I'm going to shoreline with just a scav gun solo, sure I might get lucky if I go to resort but I'm also drastically increasing my odds of running into geared enemy PMCs. I'd probably be better served looting pier, weather station, village, cottages, etc. I'll find enough loot to make 200k+ profit after a scav kill or two and I don't drastically increase my odds of dying and losing everything.
Consistent medium cash is the path to riches much more readily than rolling the dice hoping for that red key card.
These are a few tips to get you started on the path to profitability. I can do follow-ups or edits with suggested loadouts, weapons, links to barter item prices as necessary if there is interest.
submitted by Bloodyneck92 to EscapefromTarkov [link] [comments]

Upon the Fortune of this Present Year | Monthly FIRE Portfolio Update - November 2019

My ventures are not in one bottom trusted, Nor to one place; nor is my whole estate Upon the fortune of this present year Therefore my merchandise makes me not sad
Shakespeare, The Merchant of Venice (1596)
This is my thirty-sixth portfolio update. I complete this update monthly to check my progress against my goals.
Portfolio goals
My objectives are to reach a portfolio of:
Both of these are based on an expected average real return of 4.19 per cent, or a nominal return of 7.19 per cent, and are expressed in 2018 dollars.
Portfolio summary
Vanguard Lifestrategy High Growth Fund – $797 618 Vanguard Lifestrategy Growth Fund – $45 218 Vanguard Lifestrategy Balanced Fund – $81 294 Vanguard Diversified Bonds Fund – $109 367 Vanguard Australian Shares ETF (VAS) – $158 769 Vanguard International Shares ETF (VGS) – $28 471 Betashares Australia 200 ETF (A200) – $268 114 Telstra shares (TLS) – $2 057 Insurance Australia Group shares (IAG) – $9 996 NIB Holdings shares (NHF) – $8 100 Gold ETF (GOLD.ASX) – $98 376 Secured physical gold – $15 868 Ratesetter (P2P lending) – $16 915 Bitcoin – $128 630 Raiz app (Aggressive portfolio) – $17 535 Spaceship Voyager app (Index portfolio) – $2 377 BrickX (P2P rental real estate) – $4 418
Total portfolio value: $1 793 753 (+$33 713)
Asset allocation
Australian shares – 43.2% (1.8% under) Global shares – 22.9% Emerging markets shares – 2.4% International small companies – 3.2% Total international shares – 28.4% (1.6% under) Total shares – 71.6% (3.4% under) Total property securities – 0.2% (0.2% over) Australian bonds – 4.8% International bonds – 9.8% Total bonds – 14.6% (0.4% under) Gold – 6.4% Bitcoin – 7.2% Gold and alternatives – 13.5% (3.5% over)
Presented visually, below is a high-level view of the current asset allocation of the portfolio.
[Chart]
Comments
This month the value of the portfolio increased again by around $33 000 in total, building on the previous two months of growth.
[Chart]
The equity part of the portfolio has grown by around $50 000 to now reach over $1.25 million for the first time. This increase includes new contributions and the last part of the previous June distributions being 'averaged into' equity markets. The equity component of the portfolio has increased by around 40 per cent this calendar year.
The only other major movement in the monthly value of the portfolio has been a sharp downward movement in the price of Bitcoin, and a small increase in the value of bond holdings.
[Chart]
The contributions this month went entirely into the Vanguard Australian shares ETF (VAS.ASX), to reduce the gap to both the overall target equity allocation, and to achieve the target split between Australian and global shares. From this month onwards I expect more regular variations in whether new contributions go to either Australian or global shares, based on keeping this target allocation constant.
Charting errors and wrong bearings - the nature of long-term returns
Over the last month, as the end destination starts to appear a little clearer in the distance, the issue of the nature of long-term returns has been front of mind.
There is a strong literature and body of academic work around long-term equity return expectations. Much of this has informed my thinking, and has over time found its way into the corners of financial independence movement through the avenues of the so-called Trinity and Bengen '4 per cent' studies (pdf), and a range of calculators that use historical data to help guide investors expectations around feasible future returns.
Yet, as I have noted before, future states of the world are not drawn from the same distribution as the past - or as the British writer G K Chesterton evocatively put it - 'wildness lies in wait'. Most often this issue is glided over neatly (including by myself) with assured sounding phrases such as 'based on history'.
The works of Nassim Taleb, most particularly Fooled by Randomness, and The Black Swan, provide a fuller perspective on these issues. Recently though, reading a 2017 paper Stock Market Charts You Never Saw provided a unique and arresting view of their application to long-term return projections.
The paper is long and detailed, but makes some fundamental points for consideration. It provides a challenging perspective on investment returns that falls almost completely out of mainstream discussions of the topic in the financial independence arena.
To summarise, the paper highlights that:
As the paper notes:
"When investment advisors counsel that stocks are the best bet for a long investment horizon, they should append the acknowledgement: “if my market timing is good.” When advisors argue for stocks over bonds, they should append the caveat “as long as you are not French, or Italian, or Japanese, or Swiss, and provided that the 20th century is a better guide to the future than the 19th century.” For real investors with their limited time horizons, who may reside anywhere in the world, there have been times when both stock recommendations were bad."
The issue of the primacy of total returns, compared to income returns is also bracingly challenged with reference to the drawdown phase:
Once portfolio accumulation ceases with retirement, portfolio income must be spent to live. Under those circumstances real price return, over short periods lasting two or three decades, becomes an important metric. By that measure, an investment in stocks has been dicey indeed.
Usefully, the paper sets out (at the end) both conventional charts, and alternative representations of the same returns data, aimed at illustrating the hidden biases and properties of standard charts of market returns.
In short, the paper poses challenges to many conventional investment tenets assumed to be true and widely repeated within financial independence discussions. Often these tenets are promoted with the sound and well-meaning goal of reducing new or existing investors caution or level of worry around possible falls in equity markets. The question this work implicitly poses is, in the process, are distorted expectations unintentionally being promoted?
Drawing out the lessons - understanding and responding to risks
What are the practical implications of this? The most obvious is to look closely at how data is presented and to think carefully about how the assumptions implicit in that presentation line up against ones own situation.
Some other implications include:
In other words - to paraphrase Shakespeare's Antonio - not trusting ones ventures to one ship, place, or a fortune upon the present year.
Progress
Progress against the objectives, and the additional measures I have reached is set out below.
Measure Portfolio All Assets Objective #1 – $1 598 000 (or $67 000 pa) 112.2% 153.0% Objective #2 – $1 980 000 (or $83 000 pa) 90.6% 123.5% Credit card purchases - $73 000 pa 103.0% 140.4% Total expenses - $89 000 pa 84.5% 115.1%
Summary
As the year begins to draw to a close, a restlessness to see its final outcomes, in dividends and portfolio growth presses itself forward. It is in fact a small echo of one of the strong temptations of the middle of the FI journey - a desire to wish away time itself.
Some potential upcoming changes and uncertainties in work situation have added force to this temptation, forcing some thoughts about different potential balances between work and other elements of daily life could be.
By distance, the intended journey is around ninety per cent over. At times this introduces both an elegiac quality to, and a premature desire to mark, possible 'lasts' along the journey.
Yet the extraordinary current state of financial markets gives pause. Policy makers and advisors casually discuss negative rates and their implications, even as Australian and US equity markets hit new highs. In a sense, it feels a more psychologically testing time to be closer to my higher target allocation for equities than any time before.
The diversification in the portfolio can be thought of as a series of small hedges against different potential futures playing out. By far, the largest probability (or potential future) at 75 per cent, is that the historical dominance of equity as a generator of real returns continues to function.
The remainder of the portfolio can be seen in some ways as a offsetting hedge against large equity market falls, or some other disturbance in financial markets with negative implications for equity. At base, however, I remain comfortable with the 'balance of probabilities' implied in the target asset allocation.
This month saw a new (v)blogger Mx Lauren join the Australian FI scene, as well as the suggestion by Money Magazine of a new 'simplified' retirement rule of thumb to consider.
A further piece of fascinating reading was this piece by Ben Carlson in Fortune Magazine, explaining the key role of earnings growth in recent US market return. It posits that the recent strong performance of US equities is attributable to fundamental earnings growth, rather than simply an unjustified expansion in the price investors are willing to pay for that growth.
This - in addition to Shakespeare's pre-modern enjoinment to diversify - is potentially another reason to not confine considerations to one market, and one place, as December distributions slowly drift into sight.
The post, links and full charts can be seen here.
submitted by thefiexpl to fiaustralia [link] [comments]

Celebrating the Third Bitcoin Halving: Satstreet fireside chat with Mike Nasser Offenes Geheimnis, so sichern sich Trader Bitcoin bis zu 30% günstiger! The Bitcoin Magazine Podcast - YouTube Celebrating the Third Bitcoin Halving: Get Rich or Die Trying BitcoinTina on Bitcoin Part 3: How to Think about Investing in Bitcoin

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Celebrating the Third Bitcoin Halving: Satstreet fireside chat with Mike Nasser

Bitcoin Magazine is the oldest and most established source of news, information and expert commentary on Bitcoin, its underlying blockchain technology and th... @kiarabickers, @Shaughnessy119, @bitcoinmom, @DistRiggs, @juthica, @nwoodfine, @Bquittem, @SGBarbour. Bitcoin Magazine is proud to present BitcoinTina on Bitcoin Part 3: How to Think about Investing in Bitcoin. TINA stands for "There Is No Alternative" Topics: Bitcoin is about scarcity + liquidity ... Bitcoin Kurs Absturz auf 4.400 USD? 4 Gründe für BTC Was ist mit IOTA los? Ripple News Inhaltsverzeichnis: 0:36 - Markt Update 2:20 - Bitcoin Kurs Absturz auf 4.400 USD? 4:40 - Bitcoin ETF ... Offenes Geheimnis, so sichern sich Trader Bitcoin bis zu 30% günstiger! In diesem Video gehe ich auf eine technische Möglichkeit ein, mit Hilfe derer sich v...

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