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Thrills Casino (PNP) Free Spins and No Deposit Bonus

Thrills Casino (PNP) Free Spins and No Deposit Bonus

Thrills Casino Gratis Spins and Free Bonus
Welcome to Thrills Casino - Pay N Play Casino - the best free spins bonuses! Play now and collect no deposit bonus after log in. Exclusive promotions, free play games, progressive jackpots, big winners and fast payments!
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About THRILLS CASINO ONLINE

Thrills Casino has been online ever since 2013. The past years have been more than enough for the operator to establish itself as a fan-favourite gambling destination. Over time, the operator has shown that customers are its top priority by providing them with high-quality customer care, excellent bonus offers and user-friendly policies in general. Moreover, Thrills com casino boasts with creativity and uniqueness thanks to its very cool and modern design. All these impressive things pair well with more than 1,400 top-notch gambling games.
Thrills online casino launched as a new and exciting gambling site where players feel appreciated. The first strength of this operator, as well as the most obvious one, is the creative design that features nice colours and several casino mascots. The casino theme is strongly present throughout the entire site. This gives players a sense of belonging as they quickly attach to the mascots and feel more comfortable. A couple of years ago, the operator went through a serious transformation and, as a result, Thrills became a Pay N Play casino. The venue is now a devout promoter of responsible gaming.

BONUSES AND PROMOTIONS

Many web-based operators fail to welcome users appropriately. Sadly, not every operator understands the importance of online casino promotions. But Thrills online casino sure does. Thrills com casino is not your run-of-the-mill casino in a way that it does not offer a Welcome Bonus.
Rumours about the non-existent Welcome Bonus swirled around the web, so we personally reached out to the Customer Support to verify the info. And the truth is that there is no Welcome Bonus for newcomers. This is partly due to the fact that the casino is a Pay N Play casino (i.e. all cash transactions to and from the casino go through Trustly) and partly because it is dedicated to safe gaming.
Moreover, the lack of Welcome Offers does not hinder your experience at the venue. If anything, it strengthens it. The operator cares about your safety, and the fact that they eliminated the Welcoming Bonus means they are a safe place to play at.
That still doesn’t mean that there are no other offers at the casino.
When you become a registered player at Thrills com casino, you will instantly become eligible for a myriad offers that fall into the category of Thrills casino bonuses. BestCasinos.com team made sure to make a sweep of all new Thrills casino bonus codes. You might not need the latest Thrills casino bonus code 2020, but you still get to enjoy Cashback. The best current promo offer at Thrills com casino is the 10% Cashback which you can get every Monday. The formula for calculating Cashback is (bets minus wins (Monday 00:01 – Sunday 23:59 UTC)) * 10%. The minimum amount you can receive as Cashback is €1, while the maximum sum is €1,000. You are always equipped for the best possible experience over at Thrills online casino. As a Pay N Play casino, Thrills online casino always delivers a fast and secure experience.
>> Click Here To Play and Win <<

CASINO GAMES OFFERED

The library is the most important part of an offer at a gambling site. Like all our rated and reviewed venues, Thrills casino features hundreds of gambling games. There are over 1,400 games by several well-established game developers like Microgaming, Betsoft and Play’n GO, plus industry-leader NetEnt powers the site. In other words, players can find a game to suit their taste, regardless whether they prefer exciting video slots, traditional classic slots or creative variants of popular table games. Moreover, the venue features a wide range of live dealer games as well, where players can enjoy an authentic casino atmosphere from the comfort of their home.
A list of the games they offer: Live games, Slots, Roulette, Video Poker, Blackjack, Keno, Scratch cards, Bingo, Pai Gow and dozens of others. Regardless of your preference, this operator will deliver the best quality content that you can find in the industry right now. Popular releases like Reactoonz and Book of Dead are right at the top of the featured list. Piggy Riches, Bonanza – you name it. If you decide to check out the latest releases, just switch over to the New Games tab and enjoy the hottest arrivals to the online gambling scene.

BANKING METHODS

In September 2018, Thrills switched to a Pay N Play casino. This means all banking is handled via Trustly through your online bank. When you visit the site, you will instantly get an option to deposit your chosen sum via this banking method. The lack of other payment methods might be off-putting, but we assure you that it is not a problem. Pay N Play casinos (Trustly-powered operators) are safe, easy to navigate and boast speedy transactions.
>> Click Here To Play and Win <<

DEPOSIT METHODS

Trustly is the only deposit option offered to players of Thrills casino. This deposit method provides instantly processed money transfers that come with zero processing fees.
List of supported online banks for deposits for each country:

SWEDEN

  • Danske Bank
  • Forex
  • Handelsbanken
  • ICA Banken
  • Länsförsäkringar
  • Nordea
  • SEB
  • Skandiabanken
  • Sparbanken Syd
  • Swedbank

FINLAND

  • Aktia
  • Ålandsbanken
  • Danske Bank (Sampo)
  • Handelsbanken
  • Nordea
  • Oma Säästöpankki (OmaSp)
  • OP-Pohjola
  • POP Pankii
  • S-Pankki
  • Säästöpankki

GERMANY

  • Comdirect
  • Commerzbank
  • Deutsche Bank
  • Deutsche Kreditbank (DKB)
  • HypoVereinsbank
  • ING-DiBa
  • N26
  • Noris Bank
  • Postbank
  • Sparda Bank
  • Sparkasse
  • Targobank
  • Volksbank/Raiffeisen
Players should keep in mind that the minimum amount of cash they can upload is €10, even though for most of the bonus offers they will have to deposit at least €20. Deposits via Trustly are processed instantly.

WITHDRAWAL METHODS

Trustly is currently the only withdrawal method featured at Thrills casino. As far as we could see, withdrawals are free of charge. In terms of processing times, the site needs at least 24 hours and up to 5 business days.
List of supported online banks for withdrawals for each country:

SWEDEN

  • Danske Bank
  • Forex
  • Handelsbanken
  • ICA Banken
  • Länsförsäkringar
  • Nordea
  • SEB
  • Skandiabanken
  • Sparbanken Syd
  • Swedbank

FINLAND

  • Aktia
  • Ålandsbanken
  • Danske Bank (Sampo)
  • Handelsbanken
  • Nordea
  • Oma Säästöpankki (OmaSp)
  • OP-Pohjola
  • POP Pankii
  • S-Pankki
  • Säästöpankki

GERMANY

  • Comdirect
  • Commerzbank
  • Deutsche Bank
  • Deutsche Kreditbank (DKB)
  • HypoVereinsbank
  • ING-DiBa
  • N26
  • Noris Bank
  • Postbank
  • Sparda Bank
  • Sparkasse
  • Targobank
  • Volksbank/Raiffeisen
There’s no minimum withdrawal amount listed at Thrills casino, but it is highlighted that players cannot cash out more than €50,000 within a 24-hour period of time. Moreover, progressive jackpot winnings over €200,000 must be validated for 30 days before they are paid to the lucky player.
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Why Check Forex Broker Reviews?

A Forex trader's success is often directly related to the Forex broker he/she chooses to conduct business with. If a trader chooses a broker who is unwise, unethical, and/or a combination of both, the trader could lose a substantial amount of money in the Forex market.
It can be very difficult to determine which Forex brokers are reputable until a trader has traded real money with them. However, by this time the trader may have lost the money that he/she has invested. Forex Brokers Reviews
Fortunately, there are online sites that provide informative Forex broker reviews to aid you in choosing the right firm for your trading needs. These sites have extensively tested the brokers' Forex platforms and trading conditions using real-money accounts and making real trades. This means that you don't have to invest your own money to determine whether a Forex broker is reputable and effective at handling your trades on the market.
Some of the criteria that such sites use in their reviews include the safety of a trader's deposits and the honesty of the broker. The trader can conduct his/her own online research about a specific trader via online forums, ask direct questions to the firm, and seek information from the proper authorities. One of the essential things the trader must learn about the broker is whether the firm is regulated by government authorities. Another is whether the firm uses state-of-the-art measures to ensure that the trader's personal information and account details will remain safe from unauthorized access. Sites that provide Forex broker reviews can quickly give you this vital information. forex broker review
A trader should also determine the spreads and commissions that the broker will receive when executing trades on the Forex market. The lower the level of commission the better it is for you. Any commissions over 3-pips in EURUSD trades should necessitate you finding another broker. There are quality firms that only charge 1-pip for EURUSD trades. It's important for you to find out the spreads and commissions that are charged by the brokers before deciding to employ them for your Forex trades. These are usually explained on the firm's website.
A trader should look for a broker that only requires a small initial deposit. At the same time, however, the trader should also consider leverage and minimum lot size as well. The trader should also choose a firm that provides many ways to fund his/her deposit, including wire transfers, credit cards, and PayPal transfers. Sites that provide Forex broker reviews will usually list the ways in which you can fund your accounts. Top Rated Forex Brokers
The trader should also find the right Forex trading platform to execute his/her trades. The platform should provide a comfortable and familiar interface to the trader and should also provide plenty of customizations options. The best way to find the right platform for you is to take it for a spin via a demo account, which most reputable brokerage firms now offer.
Visit Here - Most Trusted forex brokers
submitted by Sure_Statistician384 to u/Sure_Statistician384 [link] [comments]

BrokerXP Reviews

BrokerXP Reviews

My perspective of How BrokerXP review help me and how can help you also.

In this review, we are taking a look at a trading platform that is used by traders all around the world. BrokerXP offers a varied range of financial products with competitive fees and an easy-to-use trading interface.
With advanced trading tools and charting features.

BrokerXP Slogan

BrokerXP Fees

If trading fees are important to you, then BrokerXP has you covered. BrokerXP offers low spreads that are available to all customers. For forex traders, BrokerXP has no fees at all, this means that you can maximize profits when trading currency pairs. The broker also offers a guaranteed stop-loss order which Is when clients get their stop-loss order rate guaranteed when setting a risk threshold in their position. BrokerXP also offers a 200:1 leverage ratio, which means that for every $1 in your account, you control $200 in the market. So if you are trading and don’t have much capital, you can still generate significant income as your profits can be multiplied by 200x. However, if you are a beginner then it is not advised that you use leverage on your trades. As profits are multiplied, so are losses. Before leveraging, learn the basics and trade using a demo account as this can stop you from losing too much money when you start trading actual capital.

BrokerXP Security

MT4 and BrokerXP have end-to-end encryption that secures trades and funds that are within the trading account itself. Imagine your trading account like a debit card, you wouldn’t put thousands of dollars in your debit card and leave it on a park bench. So when choosing what trading platform you want to go with, make sure that they take the security of your account and funds are serious as you do.
To find more answers please watch this video
https://www.youtube.com/watch?v=VyMdFz8Rh18

BrokerXP MT4

MetaTrader 4 is seen as the flagship trading platform, used by individual traders at home and large institutional investors alike. The platform is available on iPads, iPhones, Android phones, Android tablets, and just about any other web-enabled device. If you want to use the desktop version, instead of the web-app version, then you can download the desktop version and trade from the version. Once you’ve downloaded or loaded the platform, you can log in using your BrokerXP credentials. You can customize the charting interface, changing between light and dark mode, along with some other interface elements. Like with most online platforms, the security flaws come as a result of the customer not securing their side of things. This means that when you are trading, make sure to use long passwords that are difficult to guess and crack. Also, try and avoid trading on public computers as these can lead to your account being compromised.
On MT4 you will notice some phrases on the trading interface, here is some explanation of what they mean. When you see the Symbol tab, this means that you can choose between markets. BrokerXP offers many different trading asset options. You can trade forex, gold, stocks indices, and more. The volume tab is where you decide on your trading size. When you see 1 lot, this is equal to 100,000 units of the base currency. The Type tab is where you decide on your trade execution mode, we advise that you stick to ‘instant execution’ as this will place a trade as soon as your press ‘buy’ or ‘sell’. If you set a ‘pending order’, then the platform will make the trade when the market opens back up. The forex market is open 24/7, so this execution method will rarely be available. Stop-loss is another term that you may see on the MT4 interface, this means that your trades are exited when your profits hit a predetermined point.
Depending on what type of trader you are, the platform will offer you a specific set of charting timeframes that best suit you. For example, if you are day trading you may look at charts on a 10-minute timeframe. MT4 offers charting timeframes for 1 minute, 5 minutes, 10 minutes, 15 minutes, 30 minutes, 1 hour, 4 hours, 1 day, and 1 month. You can also set custom timeframes in case the standard ones are not suitable for your trading technique.
Along with advanced timeframes, MT4 also offers 30 technical indicators such as the Elliot Wave indicator, Bollinger Bands, and pivot points, along with many more. There are also third-party add-ons that can be integrated with the platform in order to customize your interface further. Add-ons like Stealth Orders and Alarm Manager are two of the most popular addons. The first is an extension, Stealth Orders is designed to anonymize trades, with Alarm Manager helping coordinate alerts and notifications. With MT4, you can also create your own extensions using Java API, which is one of the platforms most advantageous features, as it can make everything unique.

BrokerXP Mobile Trading

The MetaTrader 4 mobile app is designed with the main focus being on ease-of-use. The mobile app is packaged with lots of research tools, advanced charts, and watch lists for scanning, with many more features.
When using BrokerXP’s mobile trading app (MT4), the look and feel of the mobile app have the same appearance as the web version. This means that if you know to operate the web-based platform, then the mobile app will be easy for you to grasp. With charting, you are given the same charts that are offered on the web app. However, due to the mobile screen being smaller, carrying out advanced forex analysis may be more difficult on mobile devices. But for making orders, setting stop loss or checking basic tasks, the mobile app is more than capable of doing so. The main benefit of using the mobile app is that you can make trades on the go. You no longer have to be at your computer or office in order to set trades. Let’s say that you make a trade at home then go grocery shopping. Whilst you are out you realize that you didn’t set stop-loss in your rush and your pair is depreciating when you check. Now, you can use your mobile to exit a position immediately, you don’t need to wait until you get home.

BrokerXP Customer Service

BrokerXP has a great dedicated customer service team, they are very professional and offer solutions to all of the problems that you could present them with. If you are a new trader, then you may encounter some problems when trying to get to grips with a new trading platform, so BrokerXP offers extensive educational resources. These educational resources are designed to help people familiarise themselves with the platform and all of the financial assets that are available to be traded on the BrokerXP platform. The MT4 platform also has a customer support team that is able to deal with any questions or issues that you are having on the trading side of things. MT4 also has a community section for traders, where questions about trading can get answered. A community forum is a great place for you to get tips about trading and non-essential things that the customer support team may not need to answer.
For customer service, you could read here and on this link.
To conclude, BrokerXP is one of the best choices for financial asset trading available.
Their low fees and advanced features make it perfect for beginners and pros alike.
For more reviews, you should visit official reviews on the website, Trustpilot and Sitejabber.
We highly suggest visiting also on Patch following links for more info and updated news
https://patch.com/california/los-angeles/calendaevent/20200929/898131/brokerxp-reviews-are-happening
https://patch.com/california/los-angeles/classifieds/announcements/171418/brokerxp-is-having-own-reviews-in-pacific-palisades
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UNIFICATION | $FUND | The Game Changer | The next big ONE.

https://unification.com/
Header:
You can visit and check my profile how much those early birds that read my post gained in my previous calls. There are others who called it first but I re-posted it for project awareness because they are still in low mcap before.
$xgm x5 $kai x4 $ring x2 $2key x3
Marketcap: 4.3 million
NO ICO NO PRIVATE SALES
IEO price: $0.06
https://support.probit.com/hc/en-us/articles/360031772931-Unification-UND-will-launch-IEO-with-ProBit-Exchange
Current price: $0.045
A little bit history;
Unification or $FUND started as $UND wherein they burned the 88% of their total supply (1billion) and undergo mainnet this past May 14th, swapped $UND to $FUND at 1:1 ratio and considered $UND as a testnet after swapping and, $FUND as their mainnet.
https://medium.com/unificationfoundation/the-unification-new-genesis-event-88-of-und-supply-destroyed-37fa56484396?source=collection_home---4------7-----------------------
Introduction:
Unification is a hybrid public/private blockchain that connects interoperating private WRKchains to a public Mainchain. Any independent entity can deploy useful scaled solution, via WRKchains and exchange data in closed environments. WRKchains can support any DApp/smart contract and may have their own native coin (or not), all while maintaining speed and scalability.
Technology:
Beacon - Beacons are the best choice for singularly maintained centralized databases that require an element of trust added
WrkChains - WRKChains are a Distributed Ledger Technology designed specifically for real-world enterprise and consumer adoption
TokenForge - TokenForge is Unification’s WRKChain infrastructure that allows for a consortium marketplace based on tokenization
My opinion:
For me, this token is such a vast industry. Unification created a solution for enterprises wherein if blockchain will be used in enterprise data operations, it will clogged the network because of heavy loads. And here they are, crafted the WkrChains, it is the fucking perfect solution that world needs. If I compare Neyma to Sergey, they are almost the same, who built the perfect blockchain/token to maximize the usability and scalability of blockchain. Also, Neyma the CEO of $FUND has connections to GOOGLE and RIPPLE.
Imagine, private companies, enterprises and Governments will start using WrkChains. As time passess by, $FUND will eventually grow higher and higher and higher.
They already have a working WrkChain named as "FinChains", it is a decentralized price oracle developed by Yellow, it is estimated to consume more than 500k to 1million $FUND a year.
Imagine, when the adoption phase begin, there are a lot of $FUNDS will be used in utility. I don't care what you say, but for me this project is belong to top 50cmc, for short 100m mc, x37 from here. Worst case is top 100cmc at 50m mc, x18 from here.
Don't missed out on this one. I highly suggest it to add it on your portfolio. If you missed out on LINK, NEO, UBT ico days. Here's your chance.
Tokenomics;
Explorer: https://explorer.unification.io/
Circulating supply : 93,851,203
Total supply : 120,000,000
Staking: YES
There are 49 million tokens currently at perma stake by the company to secure the network at 51% attack. This will be locked forever for the security of the network. This is equivalent to 1/3 of total supply.
Also, 10m $FUND will be minted each year that will bring the total supply at maximum of 210 million by the year 2029. But it will be locked and will only be used to sell for enterprises for utility usage and to pay for network tax (block rewards) it means, the more WrkChains will be deployed, there will be "DEFLATION" because it will be used by enterprises etc. If those 10million minted $FUND each year is not sufficient for enterprises, they have to MARKET BUY the $FUND tokens.
Good tokenomics tho.
Main Goal:
To deploy 100 Wrkchains this 2020
Partners:
Travala.com
INLAGS (Latin American Institute of Health) https://www.inlags.com/
BidiPass (https://bidipass.org/)
Alpha Chain (https://alphachain.com/)
Yellow (https://www.yellow.com/)
Beach Head (https://www.beachhead.com/)
Binance Info (https://info.binance.com/)
Deployment Partners:
Amazon Web Services
Google Cloud Platform
Microsoft Azure
Exchanges:
Probit (suggested exchange, NO KYC)
BitForex (suggested exchange, but low liquidity)
Binance Dex (Not a mainnet, needed to swap)
Digifinex
Bidesk (Not a mainnet, needed to swap)
Useful links:
1st enterprise to adopt WrkChains https://explorer.unification.io/transactions/8F0B166542C8E95ABCFFE35D8587E665149F65457AF5A41742010CE18143DCA4
An enterprise purchase of $FUND yesterday worth $21,000 for utility usage.
https://explorer.unification.io/transactions/F7A79321387AF875570E6F97BC7E909D092C9870B19E94AFCBD84ED5D7EDC268
Big Boss Capital as a Unification Validator https://endofthechain.com/big-boss-capital-is-live/amp/?__twitter_impression=true
Generation Crypto AMA Recap http://gcrypto.media/unification-ama-recap/
WrkChains detailed explanation https://www.youtube.com/watch?v=4hJmV5vdG2o&feature=emb_title
The Gem Hunters rated $FUND as Emerald Grade 3 https://www.thegemhunters.net/reviews
A superb review of $FUND by Blockfyre, Rated $FUND a score of B7. https://blockfyre.com/unification-fund/
tehMoonwalkeR added $FUND to his list. https://twitter.com/tehMoonwalkestatus/1265281813603250179?s=19
An interesting thread by other user https://www.reddit.com/CryptoMoonShots/comments/gn0j9v/the_birth_of_fund_moonshots_part_2/?utm_medium=android_app&utm_source=share
Telegram https://t.me/unificationfoundation
Telegram Ann: https://t.me/UnificationOfficial
Medium: https://medium.com/unificationfoundation
Twitter https://twitter.com/UnificationUND?s=09
Coingecko https://www.coingecko.com/en/coins/unification
Conclusion:
You can apply the law of supply and demand in this token. Wherein scarcity will happen and will boost the token's price a lot and also consider the 49m permanent stake which is 1/3 of the total supply. Which means only 71 million are in the circulation. If this will be listed to another 5 more exchanges, the demand will increase which will give a massive boost to the price. Plus, add those incoming WrkChains deployment which will use about an estimation of 500k to 1million $FUND per year for utility usage. Their main goal this 2020 is to deploy 100 WrkChains. Imagine the scarcity. It will be above the rest. They worked hard 2 years for this perfect solution. Silently working and here they are, going to make a name in the industry.
Try looking out for the flaws of this project. If you have any, kindly comment it here.
Post Scriptum:
Enjoy bagging this GEM as early as you can before it explode in corporations, enterprises and Governments and exchanges. This is my Ace card in whole crypto.
FUD and bash is accepted. If you're saying 4m mcap is too high. No it's not. It's still in it's infancy phase. Also screencap this, next year it will be a happy memory that you read this post and you will thank me in the future.
submitted by MasteRalph to CryptoMoonShots [link] [comments]

My Story

Hello everyone Im a longtime lurker and decide to post my story on my second account. Im 21 (m) and just like most of the people on this sub I’m a also virgin but I don’t see myself as a loser because of that. I have been offered by people to lose my card but I choose to reject their offer because of age or because I ain’t feeling it from the person offering it. Idk I’m the type of person that wants to have an emotional connection with someone rather than a sexual one.
Alright, So I come from an Hispanic Immigrant Family and I am part of the first generation to be born in the United States and first to go to college from my family (including cousins). And before I was born my destiny was set in stone as I would have the responsibility to carry my family out of poverty and into the lime light. With this my happiness was pushed aside and I was pushed to become a great student so our future would look bright but unfortunately along the way my knees buckled along the way as I was moving towards that goal.
So I guess I should explain my situation which all starts with my family situation. My parents are people who were too immature and not ready to have kids and unfortunately I was the first and that meant I was the test subject for them. Now I don’t hate myself or anything in general really but I hate my Dad in fact I hate my own name because it reminds me of him (I’m jr he’s sr) and I hate that because he was the cause for so much physical abuse and I’m not talking about the stereotypical sandal moment, I’m talking about getting a toy firetruck smashed on your head. Meanwhile on the other side I was subject to emotional abuse from my mom which was due to the shitty relationship they had and I was the stress outlet for both of them.
People do grow though and change along the way but I’m just too detached to them that I don’t want reconcile or continue to move forward with them. As said before I was the test subjest because by the second they improved and by the third they cracked the puzzle and finally succeeded at parenting. The thing is I am kinda jealous of my brother and sister on how they were treated and how they were able to relax and nothing was really expected of them. Which in turn has made detached from them because I have nothing in common with them but being born from the same person. Nor do I expected them to help with what was thrusted upon me one thinks shes hard and the other is lazy and cant read at all despite being in 8th grade. But besides that fact in all honesty I don’t see them as family but more as people I just live with. With my family situation in the gutter it basically set the foundation for the state of my mental health.
My mental health started becoming apparent in high school around sophomore year when I started to suffer from a lack of motivation when it came to moving forward with my life. It eventually escalated as time went on and it got was worse especially after high school. Because after high school I started getting some of my old memories pop up randomly and they were all about how I was treated as kid. None of them were pleasant memories such as the firetruck incident and all the physical and emotional abuse from my past. Which in turn brought me to an existential crisis as I questioned what I was working towards and this is where my knees started buckling and succumbed to the weight of the stress and responsibility thrusted upon me without my consent and I was left wondering why am I fighting for people I never really cared about or had my best interest. So while I was dealing with all this I was trying to deal with my depression which was by focusing on something no matter how small it was.
Which brings me to the light at the end of the tunnel which was Wrestling and I fell in love the moment I saw it for the first time because of the story telling aspect of it. I never understood someone’s passion for being an accountant, a manager or etc until I compared to my love for wrestling. Not only that but I don’t see it as just a sport but as a way out because it was the only thing that was able to keep me going. No matter how far I go back wrestling was always a part of my fun childhood moments unfortunately. Wether it be playing with my friends, or watching it on tv.
As time went on I even eventually got tired of watching it and wanted to be apart of it and wanted to make a career but their is no money to be made when starting out. So I gave up and decided to go to school and I am currently one year and a half from graduating but I just couldn’t take it anymore, because I wasn’t able to get internships and it wasn’t something I could see myself doing for the rest of my life. So on News Years some shit went down and I decided that 2020 would be the year that I would be happy by taking the steps necessary to focus on wrestling but unfortunately Covid hit so I couldn’t pursue that and eventually I stopped working out and just let everything go and pass me by as I shut myself in my room and only go out to work. Which leads to where I am now.
But before that I kept on mentioning an event that happened on News Years and that was where we went to visit my cousins in arizona and from their we went to Flagstaff where it snows and I was at awe because I just love the snow since I’m from California I don’t get too see much of it. Along the way back my mom was complaining the whole time as she wanted to go back home instead of Flagstaff and kept at it for the whole trip including insults and stuff about our cousins. It got bad to a point where I just wanted to jump out the car but since I was driving I didn’t want to take anyone’s else’s life with me nor did I want to cause a car crash as I was on the freeway. We went to eat later that day and she just kept at it and while I was their I went to the bathroom and broke down as I was praying for someone to save me and looking for a way to end my life. Instead of that I gave myself an ultimatum and that was if I don’t change my position in life by the end of 2020 I would unfortunately bite the bullet because I just need a Way Out of this place/situation I’m in.
I’m doing this ultimatum because I’m hoping it will motivate me to continue moving forward. Its currently august and I have payed of my debts, dropped out of school (hated my major), quit my job and got another one (thinking about quitting my new job), and I picked up forex in hopes of making money that way. With 4 months left on my ultimatum it seems like I haven’t done much but it’s whatever.
The thing is people have the impression that if you talk about your problems you will magically be saved but I could talk to someone about my problems for days but the thing is I don’t need to talk about my problems what I need is a way out of my current position in life and I have thought about spending a month in Japan just exploring and spending my last month alive their but Covid unfortunately came along and ruined what hope I did have if I were able to describe my situation in a song it would be the song Maze by Juice WRLD and the song Come back to Earth by Mac Miller.
The things is if I die I’m gonna miss trivial things like not being able to see the ending of Attack on Titan, Solo Leveling, My Hero Academia, Wings, McDonalds, In-n-out, Pizza, Food/Anime/Wrestling in general, the new music I’m gonna miss or even seeing what path my little cousin is going to take as he grows up. And Depending on what I choose to do moving forward I will try to update you guys with my progress and if I don’t then I guess I bite the bullet. Anyways thanks for reading my story feels more like a Memoir but I just wanted to get this of my chest.
SideNote: Also sorry for it being so long but this is just the surface theirs actually a lot more I could go into detail but I went on long on enough.
submitted by PT_K to depression [link] [comments]

Request for a wiki that compares credit cards in japan

Hi All,
As the Japanese financial system is fairly confusing, i am not sure where to find information on any stuff. Maybe i should try searching in Japanese as i may only be getting english hits.
I request some of the long term residents of japan who have fair amount of financial knowledge to help the common folks. As you see this question keeps coming on what credit card is easy to get, what is the process, what parameters matter and other things.
I understand that the credit card application process is pretty random and hard to put in a systematic way but we should be able to at least streamline some information.
I personally am looking for a credit card with minimum forex charges, good traveller's rewards (lounge access etc) and good points/mileage system. But i don't know where to start, i normally use reddit to answer my queries but here too am lost.
So, i thought better to request some of the expert folks to help revamp or create a new credit card wiki with information that could benefit everyone who visits this sub.
I hope i don't get blasted for this post :D
submitted by mcwitty82 to japanlife [link] [comments]

200 achievements of Modi Govt

  1. Fragile five to Fastest growing economy - India
  2. 11th largest to the 5th largest economy - India
  3. Share of world GDP from 2.43% in 2014 to 3.08% in 2018
  4. Average GDP 7.3% against 6.7% in previous regime
  5. Forex reserves from 300 bn USD in 2014 to 420 bn USD in 2018
  6. Doubling of FDI inflow from 36 bn USD in 2014 to 66 billion USD in 2018
  7. Inflation less than 2.3 % (Nov 18) against 10.1% in 2014
  8. Growth of sensex from 24,121.74 in 2014 to 36,395.03 on 12 Feb 19 (50.88%)
  9. Fiscal deficit under control
  10. Per capita income increased by 45% from Rs 86,647 in 2014 to Rs 1,25,397
  11. IT exemption from 2 lakh in 2014 to 5 lakh (effectively 9.85 lakh with home loan)
  12. Restaurant bills tax reduced from 18% in 2014 to 5%
  13. Transaction charges through card down from 1% to 0%, domestic money transfer fee down from Rs 5 in 2014 to zero
  14. Financial inclusion (32 crore bank accounts with 260 billion worth deposits). Almost 100% coverage from earlier 50%
  15. DBT (savings of 83000 crores @ 15000 crore annually), No of govt schemes DBT applied to increased from 34 in 2014 to 433, 2.7 lakh fake mid-day meal students, 3.3 crore fake LPG connections, 87 lakh fake MNREGA job cards, 3 crore fake ration cards eliminated
  16. Zero IT for businesses with turnover upto 60 lakhs
  17. GST exemplifying cooperative federalism, rates of 83 items down from pre-GST rates, out of 1211 items only 35 items in above 18% slab, 39% reduction of cost of basic household items. Average 1 lk crore monthly revenue through GST collection. Exempted for business upto 40 lk
  18. Insolvency and Bankruptcy Code, constitution of NCLT, 3 lakh crores of NPAs recovered, 66 cases resolved, 260 cases liquidated, resolution of stressed assets, 2100 companies pay back 83000 crore to banks settling their pending loan repayments
  19. 75 billion $ or Yen to Rupee exchange agreement with Japan
  20. 1 lakh shell companies deregistered, FCRA licenses of 4800 NGOs cancelled
  21. Fugitive Economic Offenders Bill, properties of economic fugitives seized and auctioned
  22. 1.9 lakh km of rural roads. Rural road connectivity at 91% from 55%
  23. 36 new airports, from 65 in 7 decades to 106, all states now in air connectivity map
  24. Effective international diplomacy following 59 visits to nations, 38 single, 10 double, 3 triple and 2 quadruple visits by PM.(Seen during Airstrikes,No Country opposed India)
  25. Benami Act for action against Money Laundering
  26. Rural sanitation coverage 95 % up from 39% (8.8 crore toilets)
  27. Solar energy capacity increased 8 fold from 2.63 GW to 22 GW, 19. 8.5 GW of biogas grid installed.
  28. Ganga waterway transportation, usage by shipping giant Maersk, cost of transportation reduced from 10/ton (road) / Rs 6/ton (rail) to Re 1/ton
  29. More than 2.4 crore households lit up, rural electricity coverage to households up from 70 to 95%, only 19836 homes remain (in Chhatisgarh) out of 2,48,09,235
  30. Electricity accessibility rank jump from 99 in 2014 to 26 in 2019
  31. 7 crore new gas connections to 3.5 crore households u/69000 conections per day, coverage 90% from 55%, 82% return for refill, 42% beneficiaries Dalits
  32. 14.4 crore mudra loans worth Rs 7 lakh crore disbursed
  33. 18000 remote villages connected with electricity
  34. 2.92 lakh km of optical fibre laid, 0.02% to 50% gram Panchayat connectivity
  35. Swachh bharat mission has saved, according to WHO, 3 lakh lives and will save 1.5 lakh lives per year.
  36. IT filers increase from 3.79 crore to 6.08 crore, enterprises registered for indirect tax up from 64 lk to 118 lakh
  37. Entry of India in global regimes Missile Technology Control regime (MTCR), WA (Wassenaar Arrangement) and Australia Group
  38. 17 crore soil health cards
  39. 1.5 crore houses built, 91.37 crore in rural areas and 13.5 lakh in urban areas against 25 lakh houses built between 2010-2014. House for all target year is 2022.
  40. 1,78,346 houses built in NE over existing 2875 houses built till 2014
  41. Home loan interest rate down from 10.3 % in 2014 to 8.4% in 2018, annual savings of Rs 47,160 for 30 lakhs over 30 years, no GST on affordable housing, 5% on remaining
  42. Trading agreement in rupee with Iran and UAE
  43. Common service centres up from 84k to 3 Lakh
  44. OROP implemented after 43 years, 35000 crores disbursed to 8 crore veterans
  45. India's vaccination programme Indradhanush amongst 12 best practices of world
  46. 5035 Jan Aushadhi and - 1054 medicines under price control (60-90% discounts).
  47. More than 150 Amrit stores, reduction of cost of cromium cobalt Knee implant from 1.58-2.5 lakh to 54,720 and high flex implant from Rs181728 to 56490 (69%), 85% reduction in cardiac stent price to Rs 28000
  48. 87% reduction in 400 cancer drugs
  49. Rate of Interest on higher education loans dropped from 14.75 in 2013 to 10.88% in 2019, savings of 1.18 lakh on 10 lakh loan over tenure of 60 months, Rs 2000 savings on EMI
  50. Data revolution: Cost of 1 GB $0.26 in India against $12.37 in US, $6.66 in UK and $75.2 in Zimbabwe. Unlimited mobile+ 45 Gb data = Rs 150 against Rs 1000 in 2013; annual savings of 10,200
  51. Katra rail line work completed after 16 years
  52. Dhola Sadiya bridge work completed after 16 years
  53. Sardar Sarovar Dam work completed after 15 years
  54. Aadhaar act
  55. Pakyong airport completed after 10 years
  56. Chennai Nashri Tunnel after 10 years
  57. Assam NRC after 40 years
  58. National War Memorial after 50 years
  59. NE cpas after 60 years
  60. Kollam bypass after 43 years
  61. Indo-Bangladesh enclaves after 42 years
  62. Bansagar canal project after 40 years
  63. Bogibeel bridge after 23 years
  64. Western peri expressway after 15 years
  65. Kota Chambal bridge after 11 years
  66. Maibang-Lumding Stretch completed
  67. Delhi Meerut Expressway completed
  68. Ganga Expressway project (world's longest) underway
  69. Metros in Ahmedabad, Nagpur, Jaipur, Lucknow, Washermenpet
  70. All umanned level crossings eliminated
  71. Ayushman Bharat: annual 5 lakh health care to every family, 15.05 lakh hospital admissions for secondary/ tertiary treatment, 2.4 crore e-cards generated as on 10 Mar 19 in 170 days. Target 50 crore people.
  72. 59minutes loan portal: 92,000 loan applications of MSME amounting to 30,000 crores approved, 6000 crores sanctioned till Nov 18
  73. 87% of farming house (owning land of 2 hctrs) or 12 cr ppl to get kisaan sammaan nidhi of Rs 6000 pr year. Rs 5215 cr transferred directly to 2.6 crore farmers in 37 days (for households with holding less than 0.01 hectares incm per month so far was Rs 8136 agnst exp of 6594
  74. 1.5 million electric rickshaws
  75. Procurement of 36 Rafale on Government to Government Basis avoiding middlemen
  76. 05 billion$ S 400 Triumf air defence missile system deal with Russia
  77. 145 M777 howitzer deal
  78. 22 Apache AH 64E multi-role combat helos
  79. 200 KA-226T helicopters
  80. 56 EADS CASA C-295 transport aircraft
  81. 15 CH 47 Chinook tactical transport helicopters
  82. 2.3 lakh Bullet proof jackets
  83. 1.6 lakh Bullet-proof helmets
  84. 777 mn USD Barak 8 LRSAM contract
  85. 5 bn USD S-400 air defence systems
  86. 10 Heron TP armed drones
  87. 4 additional P8I MR aircraft
  88. 40 units of Laser sensor border fence installed
  89. 72,400 Sig Sauer Assault rifles
  90. 100 self-propelled K9 Vajra howitzers
  91. 700000 AK-103 Kalashnikov assault rifles indigenous facility
  92. Surgical strikes in Myanmar, across LoC and in Pakistan. Only Country to bomb a Nuclear Powered Country
  93. 240 million visitors at Kumbh Mela 2019, cost 4236 crores @ Rs 177 per tourist, revenue 1.2 Lakh crores
  94. 833 teraflop supercomputer Param Shivay by IIT BHU at Rs 32.5 crores
  95. Divisional status to Ladakh
  96. 470 bed ESIC hospital in Ennore
  97. 100 bed ESIC hospital in Tiruppur
  98. Namami Gange - Ganga is 30% cleaner, 83 out of 97 ganga towns and 4456 villages achieved ODF status, 08 out of 16 drains emptying 16 crore l sewage into Ganga tapped. Target date Mar 2020
  99. 5,45,122 ODF villages, 598 ODF districts, 27 ODF states/ villages
  100. RERA implementation
  101. Udaan scheme - flight cost down from Rs 5000/1000 km in 2013 to 3400/1000 km in 2018, 34 airports operationalised, small towns connected, all states on aerial
  102. Preventive conservation of 39275570 folios, curative conservation of 3656863 filios, digitisation of 2.83 lakh manuscripts consisting of 2.93 crore pages
  103. India is now world's largest 2-wheeler manufacturer, 2nd largest smartphone manufacturer (94% of mobiles sold now made in India), 4th largest automaker, 2nd largest steel producer
  104. 5100 m Mandvi Bridge in Goa in 3.5 years
  105. Ease of doing Business ranking jump from 134 in 2014 to 77 in 2019
  106. Therubali - Singapur Bridge No 588
  107. Restoration of Asurgarh Fort, Kalahandi
  108. GeM portal with 731431 product categories, 180,862 registered sellers and 32114 govt buyers
  109. 10% EWS reservation
  110. 40% of ongoing 700 NH projects completed, adding 40,039 km between 2014-18 against 91,287 km between 1947-2014
  111. Highway construction rate jumped from 12 km/day in 2014 to 27 km/day in 2019
  112. 101 terrorists and 11 offenders extradited
  113. 90,000 ex-partite Indians evacuated
  114. Chabahar port, Sittwe port and Duqm port
  115. Military installation in Seychelles
  116. International logistics agreements with US, France and Singapore
  117. Work underway on 25 MLD ZLD Common Effluent Treatment Plant at Gujarat Eco Textile Park and will save 25 million litres of water per day
  118. Beautification of 65 railway stations, all stations fitted with LED lights, wi-fi, multi-brand food centres, kiosks, executive lounges, lifts (445 from 97 in 2014), escalators (603 from 199 in 2014), travellators and ramps
  119. Record number of foot over bridges built
  120. 871 new train services
  121. 180 new rail lines
  122. Dedicated railway freight corridor - 2 sections completed
  123. 100% electrification of railways underway, first solar powered railway station (Guwahati). First solar powered train (world's second), savings of Rs 40 Lakhs and 90,000 ltrs diesel per year
  124. Make in India semi-high-speed trains - Tejas, Gatiman and Vande Bharat
  125. Humsafar and Antodaya trains, Deen Dayalu and Anubhuti coaches, UDAY double decker, glass dome Vistadome coaches
  126. Project Swarn and Project Utkrisht to upgrade Rajdhani/Shatabdi and Mail/Express respectively
  127. Largest coach production in world at ICF, Chennai
  128. No more human extreta on railway tracks. Installation of 1.37 lakh out of 2.5 lakh completed in Jun 18.
  129. 400 wi-fi railway stations (Aug 18)
  130. 80% reduction in rail accidents
  131. 10 high speed rail corridors underway, target date 2025-26
  132. Export of world class customised coaches from MCF, Rae Bareli
  133. LIC and Air India register profit
  134. 2300 km rail tracks constructed, speed jumped from 4.1 km/day in 2014 to 6.53 km/day in 2018
  135. Neem coating of urea
  136. Gokul mission - record 160 million ton milk production
  137. Online availability of CBSE and NCERT books
  138. 10 crore LED bulbs distributed, 5000 crore savings
  139. Investment in urban infrastructure jumped from 157703 crores to 795500 crores
  140. Statue of Unity to commemorate Iron Man of India
  141. Rs 2509 crore sales in Khadi
  142. 482.36 million digital transactions worth Rs 74,978 crores in Oct 2018 against 0.3 million transactions worth Rs 90 crores in Nov 2016
  143. 30% increase in ATMs, 208% increase of PoS machines from 10.81 lakh in May 14 to 33.32 lakh in Aug 18, 111% increase in credit cards from 1.94 crore in May 14 to 4.10 crore in Aug 18, 144% increase in debit cards from 40.17 crore to 98.02 crore
  144. Ease of Doing Business Index 142 (2014) to 100 (2018)
  145. Ease of getting electricity index 99 (2014) to 26 (2018)
  146. UN's e-govt index 118 (2014) to 97(2018)
  147. Globalisation index 112 to 107 (2018)
  148. Innovation index 76 to 60 (2018)
  149. Competitiveness index 71 to 39
  150. Logistics performance index 54 to 35
  151. Global peace index 141 to 137
  152. DBR ranking 100 to 77
  153. India ranks 3rd in global start up ecosystem
  154. 06 crore jobs in MSME sector based on CII data
  155. 448 million formal jobs based on EPFO, NPS and PPF data
  156. 10 crore jobs in entrepreneurship via mudra and other schemes
  157. 80% increase in tax payers, 51.3 % increase in gross tax revenue
  158. Black Money report card - Voluntary income declaration scheme (Rs 65250 crore), IT search and survey operations (35,460 crore), Pradhan Mantri Garib Kalyan Yojana(5000 crore), Benami transactions Act (4300 crore), Black Money and Imposition of Tax Act (4100 crore)
160 Rs 6000 financial assiatence for pregnant women
161/1 . Sagarmala: port capacity increase from 8 to 14.7 lakh ton, cargo up from 89 to 116 MMT 8 new national waterways including ganga waterway NW-1 and Brahmaputra waterway NW-2.
161/2. domestic cruise service between Mumbai and Goa, ro-ro services on Ghoga-Dahej reducing travel distance from 294 to 31 km
161/3. New international cruise terminals at Chennai and Goa, railway line between Haridaspur and Paradip underway, LNG import terminal at Kamarajar port, Oil berth ai Jawahar Dweep,Coal berth at Mangalore port
161/4 . deep draft Iron ore berth at Paradip berth, JNPT SEZ, Kandla and Paradip smart industrial port city, largest dry dock and international ship repair facility at CSL, modernisation of 17 fishing harbours
  1. 800 km Delhi-Mumbai Expressway underway
  2. Replacement of bio-toilets with upgraded vacuum bio toilets in trains underway. Order for 500 placed on experimental basis.
  3. No terror strikes in hinterland
  4. 103 new KVs
  5. 62 new Navodaya Vidyalayas
  6. 6 new IITs against 16 in previous 57 years
  7. 6 new IIMs against 13 in previous 57 years
  8. 7 IIITs against 7 in previous 57 years
  9. 02 new IISER
  10. 12 new AIIMS against 7 in previous 57 years.
  11. 141 new universities against 30 in previous 57 years
  12. 01 new NIT
  13. Life Insurances @ Rs 12 annual and @ Rs 12 monthly premiums
  14. Atal Pension Yojana
  15. Pension to 42 crore people of unorganised sector
  16. Ambedkar memorial
  17. BHIM application for digital payments
  18. Khelo India Initiative for tracking of athletes' development, Rs 5 lk per annum scholarship for 1000 budding athletes per year for eight years each; monthly Rs 50000 out-of -pocket exptr, 2000 PETs, salary cap of coaches doubled from Rs 1-2 lk per month, target 15 yrs
  19. Special Task Force for Olympics
  20. RERA Act
  21. Bullet train maiden project
182/1. Rs 6.92 lakh crore Bharatmala project, 44 economic corridors with 9000 km road, 2000 km port connectivity, 9000km roads to connect district HQs with NH,
182/2. 2000 km road with Nepal, Bhutan, Bangladesh and Myanmar, opening up of 185 choke points, road development to char dham, 12 greenfield expressways spanning 1900 km
  1. 36 murtis retrieved and brought back to India in 2014-2019 under India Pride Project against 02 between 2000-2013, 02 in 90s, 03 in 80s, 01 in 70s and nil in 50s and 60s
  2. Unemployment rate 3.8% against 13.8 % in 2013
  3. India is a less-cash society now
  4. Develpment of Trincomalee and Columbo port while checkmating China's Hambantota by taking operations of near by (15 km away) Mattala Rajapaksha International Airport
  5. Plugging the 'double taxation avoidance' black money loophole through a new tax agreement with Mauritius
  6. Deal with Switzerland for automatic tax data sharing from 01 Jan 2019
189/1 Varanasi - Varanasi ring road phase 1 completed, phase 2 underway, inland waterways terminal, Babatpur airport highway, 140 MLD Dinaput STP, facelift to railway station, big cow shelter for stray cattle, BPO centre, piped gas project, Varanasi-Balia rail project,
189/2. Vande Bharat Express, Kashi Vishwanath temple - Ganga Ghat corridor project, renovation of all bathings ghats, LED illuminations of ghats and major roads, underground electricity cabling,
189/3. new sewage plants, 02 cancer treatment facilities, 65th to 29th rank in swachhata sarvekshan (2016), 90% ODF district.
  1. Creation of 100 Smart cities, 100 crore per year per city for 05 years, 500 acres for retrofitting, 50 acres for redevelopment, 250 acres for green field projects, 10% of energy from renewable resources, 80% of green building construction, special purpose vehicles.
191/1 Development of 500 AMRUT cities underway, urbanization project of rejuvenation and transformation which includes beach front development, prevention of beach erosion, improvement of water supply, replacement of pipelines,
191/2. New sewerage connections, greenery and open spaces, digital and smart facilities, e-governance, LED streetlights, public transport, storm water drainage projects in a phased manner, Target date 2022
  1. Increase in Child Sex Ratio (CSR) in 104 BBBP (Beti Bachao Beti Padhao) districts, anti-natal care registration in 119 districts and institutional deliveries in 146 out of total 640 districts as in Mar 18. CSR of Haryana increased from 871 to 914.
  2. International Yoga Day
  3. Aspirational Districts Programme: 115 'backward' districts placed under 'prabharis' and for competitive development on the basis of 49 performance indicators, target year 2022.
195/1. Make in India: 16.4 lakh crore investment committments, 1.5 lakh crore investment inquiries, 60 bn USD FDI, 26 sectors covered, 23 positions jump in World Bank's Doing Business Report (DBR), 32 places in WEF's Global Competitiveness Index (GCI),
195/2 19 places in Logistics Performance Index, 42 places in Ease of Doing Business index, schemes include Bharatmala, Sagarmala, dedicate freight corridors, industrial corridors, UDAN-RCS, Bharat Broadband Network, Digital India.
  1. 251 Passport Seva Kendras (PSKs) and Post Office Passport Seva kendras (POPSKs) against 77 till 2014, target of one PSK every 50 km across India.
  2. Unanimous election of Justice Dalveer Bhandari to ICJ forcing UK to pull out own nominee Christopher Greenwood, demonstrating India's clout in international arena.
  3. India Post Payments Bank: India's biggest banking outreach with 1.55 lakh post offices (2.5 times banking network) linked to IPPB system
  4. Philip Kotler award, Seoul Peace prize, Champion of the Earth Award, Grand Collar of the State of Palestine, Amir Abdulla Khan Award, King Abdulaziz Sash award, Amir Amanullah Khan award.
  5. 1900 gifts and memorabilia received by Modi auctioned and 11.7 crores added to Namami Gange fund, 1.4 c of Seoul Peace award also to Nammami Gange.
New Adds
  1. Removal of article 370 and thereby also 35a after several decades.
  2. Giving citizenship to persecuted minorities in Pakistan, Bangladesh and Afghanistan through passing of CAA.
  3. Trust for creation of Ram Mandir underway.
  4. Abolishment of Haj subsidy.
  5. Abolishment and criminalization of instant triple talak.
  6. Deal with Bodo community.
  7. Getting Maulana Masood Azhar listed as an UN designated terrorist.

Source - https://www.reddit.com/IndiaRWResources/comments/bgkus6/200_achievements_of_modi_govt/

List more achievements in the comment section and lets make the list bigger, a big thank you to our fallen kar sevak u/Alive_Firefighter
submitted by justchillar to Chodi [link] [comments]

Company News by ForexMart

Beware of fraudsters!
Dear Clients,
We want to draw your attention to the fact that there are more and more web sites appearing on the network that are copies of the company's official website. Be careful, do not register on such resources and avoid sending any personal information (phone numbers, bank card details).
In particular, we warn you against visiting forextreegains.com – this scam resource has nothing to do with ForexMart!
Our experts have taken additional security measures and a specific case of fraud is being investigated.
Please keep in mind that the official website of the company is www.forexmart.com.
We wish you a successful trading,
ForexMart Team
submitted by KostiaForexMart to u/KostiaForexMart [link] [comments]

My First Year of Trading

So here it is, three more days and October begins, which marks one year of trading for me. I figured I would contribute to the forum and share some of my experience, a little about me, and what I've learned so far. Whoever wants to listen, that's great. This might get long so buckle up..
Three years ago, I was visiting Toronto. I don't get out much, but my roommate at the time travels there occasionally. He asked everyone at our place if we wanted to come along for a weekend. My roommate has an uncle that lives there and we didn't have to worry about a hotel because his uncle owns a small house that's unlived in which we could stay at. I was the only one to go with. Anyways, we walk around the city, seeing the sights and whatnot.
My friend says to me "where next?"
"I don't know, you're the tour guide"
"We can go check out Bay Street"
"what's 'Bay Street?'"
"It's like the Canadian Wall street! If you haven't seen it you gotta see it!"
Walking along Bay, I admire all the nice buildings and architecture, everything seems larger than life to me. I love things like that. The huge granite facades with intricate designs and towering pillars to make you think, How the fuck did they make that? My attention pivots to a man walking on the sidewalk opposite us. His gait stood out among everyone, he walked with such a purpose.. He laughed into the cell phone to his ear. In the elbow-shoving city environment, he moved with a stride that exuded a power which not only commanded respect, but assumed it. I bet HE can get a text back, hell he's probably got girls waiting on him. This dude was dressed to kill, a navy suit that you could just tell from across the street was way out of my budget, it was a nice fucking suit. I want that. His life, across the street, seemed a world a way from my own. I've worn a suit maybe twice in my life. For my first communion, it was too big for me, I was eleven or whatever so who gives a shit, right? I'm positive I looked ridiculous. The other time? I can't remember.
I want that. I want the suit. I want the wealth, the independence. I want the respect and power, and I don't give a shit what anyone thinks about it.
Cue self doubt.
Well, He's probably some rich banker's son. That's a world you're born into. I don't know shit about it. \sigh* keep walking..*

A year later, I'm visiting my parents at their house, they live an hour away from my place. My dad is back from Tennessee, his engineering job was laying people off and he got canned... Or he saw the end was near and just left... I don't know, hard to pay attention to the guy honestly because he kind of just drones on and on. ("Wait, so your mom lives in Michigan, but your dad moved to Tennessee... for a job?" Yea man, I don't fucking know, not going to touch on that one.) The whole project was a shit show that was doomed to never get done, the way he tells it. And he's obviously jaded from multiple similar experiences at other life-sucking engineer jobs. My mom is a retired nurse practitioner who no longer works because of her illness. I ask him what he's doing for work now and he tells me he trades stocks from home. I didn't even know you could do that. I didn't know "trading" was a thing. I thought you just invest and hope for the best.
"Oh that's cool, how much money do you need to do that?"
"Ehh, most say you need at least $25,000 as a minimum"
"Oh... guess I can't do that..."
Six months later, I get a call and it's my dad. We talk a little about whatever. Off topic, he starts asking if I'm happy doing what I'm doing (I was a painter, commercial and residential) I tell him yes but it's kind of a pain in the ass and I don't see it as a long term thing. Then he gets around to asking if I'd like to come work with him. He basically pitches it to me. I'm not one to be sold on something, I'm always skeptical. So I ask all the questions that any rational person would ask and he just swats them away with reassuring phrases. He was real confident about it. But basically he says for this to work, I have to quit my job and move back home so he can teach me how to trade and be by my side so I don't do anything stupid. "My Name , you can make so much money." I say that I can't raise the $25,000 because I'm not far above just living paycheck to paycheck. "I can help you out with that." Wow, okay, well... let me think about it.
My "maybe" very soon turned into a "definitely." So over the next six months, I continue to work my day job painting, and I try to save up what I could for the transition (it wasn't a whole lot, I sucked at saving. I was great at spending though!). My dad gives me a book on day trading (which I will mention later) and I teach myself what I can about the stock market using Investopedia. Also in the meantime, my dad sends me encouraging emails. He tells me to think of an annual income I would like to make as a trader, and used "more than $100,000 but less than a million" as a guideline. He tells me about stocks that he traded that day or just ones that moved and describes the basic price action and the prices to buy and sell at. Basically saying "if you bought X amount of shares here and sold it at X price here, you could make a quick 500 bucks!" I then use a trading sim to trade those symbols and try to emulate what he says. Piece of cake. ;)
Wow, that's way more than what I make in a day.
He tells me not to tell anyone about my trading because most people just think it's gambling. "Don't tell your Mom either." He says most people who try this fail because they don't know how to stop out and take a loss. He talks about how every day he was in a popular chatroom, some noob would say something like, "Hey guys, I bought at X price (high of day or thereabout), my account is down 80% .. uhh I'm waiting for it to come back to my entry price.. what do I do??"
Well shit, I'm not that fucking dumb. If that's all it takes to make it is to buy low, sell high, and always respect a stop then I'll be fantastic.
By the end of September, I was very determined. I had been looking forward everyday to quitting my painting job because while it used to be something I loved, it was just sucking the life out of me at this point. Especially working commercial, you just get worked like a dog. I wasn't living up to my potential with that job and I felt awful for it every minute of every day. I knew that I needed a job where I could use my brain instead of slaving my body to fulfill someone else's dream. "Someone's gotta put gas in the boss's boat" That's a line my buddy once said that he probably doesn't know sticks with me to this day.
It ain't me.
So now it was October 2018, and I'm back living with Mom n' Pops. I was so determined that on my last day of work I gave away all of my painting tools to my buddy like, "here, I don't need this shit." Moving out of my rental was easy because I don't own much, 'can't take it with ya.' Excited for the future I now spend my days bundled up in winter wear in the cold air of our hoarder-like basement with a space heater at my feet. My laptop connected to a TV monitor, I'm looking at stocks next to my dad and his screens in his cluttered corner. Our Trading Dungeon. I don't trade any money, (I wasn't aware of any real-time sim programs) I just watch and learn from my dad. Now you've got to keep in mind, and look at a chart of the S&P, this is right at the beginning of Oct '18, I came in right at the market top. Right at the start of the shit-show. For the next three or four weeks, I watch my dad pretty much scratch on every trade, taking small loss after small loss, and cursing under his breath at the screen.
Click.
"dammit."
Click.
"shit."
Click. Click.
"you fuck."
Click.
This gets really fucking annoying as time goes on, for weeks, and I get this attitude like ugh, just let me do it. I'll make us some fucking money. So I convince him to let me start trading live. I didn't know anything about brokers so I set up an account using his broker, which was Fidelity. It was a pain and I had to jump through a lot of hoops to be able to day trade with this broker. I actually had to make a joint account with my dad as I couldn't get approved for margin because my credit score is shit (never owned a credit card) and my net worth, not much. Anyways, they straight up discourage day trading and I get all kinds of warning messages with big red letters that made me shit myself like oooaaahhh what the fuck did I do now. Did I forget to close a position?? Did I fat finger an order? Am I now in debt for thousands of dollars to Fidelity?? They're going to come after me like they came after Madoff. Even after you are approved for PDT you still get these warning messages in your account. Some would say if I didn't comply with "whatever rule" they'd even suspend my account for 60 days. It was ridiculous, hard to describe because it doesn't make sense, and it took the support guy on the phone a good 20 minutes to explain it to me. Basically I got the answer "yea it's all good, you did nothing wrong. As long as you have the cash in your account to cover whatever the trade balance was" So I just kept getting these warnings that I had to ignore everyday. I hate Fidelity.
My fist day trading, I made a few so-so trades and then I got impatient. I saw YECO breaking out and I chased, soon realized I chased, so I got out. -$500. Shit, I have to make that back, I don't want my dad to see this. Got back in. Shit. -$400. So my first day trading, I lost $900. My dumbass was using market orders so that sure didn't help. I reeled the risk back and traded more proper position size for a while, but the commissions for a round trip are $10, so taking six trades per day, I'm losing $60 at a minimum on top of my losing trades. Quickly I realized I didn't know what the hell I was doing. What about my dad? Does HE know? One day, in the trading dungeon, I was frustrated with the experience I'd been having and just feeling lost overall. I asked him.
"So, are you consistently profitable?"
"mmm... I do alright."
"Yea but like, are you consistently profitable over time?"
.........................
"I do alright."
Silence.
"Do you know any consistently profitable traders?"
"Well the one who wrote that book I gave you, Tina Turner.. umm and there's Ross Cameron"
......................
"So you don't know any consistently profitable traders, personally.. People who are not trying to sell you something?"
"no."
...................
Holy fucking shit, what did this idiot get me into. He can't even say it to my face and admit it.
This entire life decision, quitting my job, leaving my rental, moving from my city to back home, giving shit away, it all relied on that. I was supposed to be an apprentice to a consistently profitable day trader who trades for a living. It was so assumed, that I never even thought to ask! Why would you tell your son to quit his job for something that you yourself cannot do? Is this all a scam? Did my dad get sold a DREAM? Did I buy into some kind of ponzi scheme? How many of those winning trades he showed me did he actually take? Are there ANY consistently profitable DAY TRADERS who TRADE FOR A LIVING? Why do 90% fail? Is it because the other 10% are scamming the rest in some way? Completely lost, I just had no clue what was what. If I was going to succeed at this, if it was even possible to succeed at this, it was entirely up to me. I had to figure it out. I still remember the feeling like an overwhelming, crushing weight on me as it all sunk in. This is going to be a big deal.. I'm not the type to give up though. In that moment, I said to myself,
I'm going to fucking win at this. I don't know if this is possible, but I'm going to find out. I cannot say with certainty that I will succeed, but no matter what, I will not give up. I'm going to give all of myself to this. I will find the truth.
It was a deep moment for me. I don't like getting on my soapbox, but when I said those things, I meant it. I really, really meant it. I still do, and I still will.
Now it might seem like I'm being hard on my dad. He has done a lot for me and I am very grateful for that. We're sarcastic as hell to each other, I love the bastard. Hell, I wouldn't have the opportunity to trade at all if not for him. But maybe you can also understand how overwhelmed I felt at that time. Not on purpose, of course he means well. But I am not a trusting person at all and I was willing to put trust into him after all the convincing and was very disappointed when I witnessed the reality of the situation. I would have structured this transition to trading differently, you don't just quit your job and start trading. Nobody was there to tell me that! I was told quite the opposite. I'm glad it happened anyway, so fuck it. I heard Kevin O'Leary once say,
"If I knew in the beginning how difficult starting a business was, I don't know that I ever would've started."
This applies very much to my experience.
So what did I do? Well like everyone I read and read and Googled and Youtube'd my ass off. I sure as hell didn't pay for a course because I didn't have the money and I'm like 99% sure I would be disappointed by whatever they were teaching as pretty much everything can be found online or in books for cheap or free. Also I discovered Thinkorswim and I used that to sim trade in real-time for three months. This is way the hell different than going on a sim at 5x speed and just clicking a few buy and sell buttons. Lol, useless. When you sim trade in real-time you're forced to have a routine, and you're forced to experience missing trades with no chance to rewind or skip the boring parts. That's a step up because you're "in it". I also traded real money too, made some, lost more than I made. went back to sim. Traded live again, made some but lost more, fell back to PDT. Dad fronted me more cash. This has happened a few times. He's dug me out of some holes because he believes in me. I'm fortunate.
Oh yeah, about that book my dad gave me. It's called A Beginner's Guide to Day Trading Online by Toni Turner. This book... is shit. This was supposed to be my framework for how to trade and I swear it's like literally nothing in this book fucking works lol. I could tell this pretty early on, intuitively, just by looking at charts. It's basically a buy-the-breakout type strategy, if you want to call it a strategy. No real methodology to anything just vague crap and showing you cherry-picked charts with entries that are way too late. With experience in the markets you will eventually come to find that MOST BREAKOUTS FAIL. It talks about support/resistance lines and describes them as, "picture throwing a ball down at the floor, it bounces up and then it bounces down off the ceiling, then back up." So many asinine assumptions. These ideas are a text book way of how to trade like dumb money. Don't get me wrong, these trades can work but you need to be able to identify the setups which are more probable and identify reasons not to take others. So I basically had to un-learn all that shit.
Present day, I have a routine in place. I'm out of the dungeon and trade by myself in my room. I trade with a discount broker that is catered to day traders and doesn't rape me on commissions. My mornings have a framework for analyzing the news and economic events of the particular day, I journal so that I can recognize what I'm doing right and where I need to improve. I record my screens for later review to improve my tape reading skills. I am actually tracking my trades now and doing backtesting in equities as well as forex. I'm not a fast reader but I do read a lot, as much as I can. So far I have read about 17-18 books on trading and psychology. I've definitely got a lot more skilled at trading.
As of yet I am not net profitable. Writing that sounds like selling myself short though, honestly. Because a lot of my trades are very good and are executed well. I have talent. However, lesser quality trades and trades which are inappropriately sized/ attempted too many times bring down that P/L. I'm not the type of trader to ignore a stop, I'm more the trader that just widdles their account down with small losses. I trade live because at this point, sim has lost its value, live trading is the ultimate teacher. So I do trade live but I just don't go big like I did before, I keep it small.
I could show you trades that I did great on and make people think I'm killing it but I really just don't need the validation. I don't care, I'm real about it. I just want to get better. I don't need people to think I'm a genius, I'm just trying to make some money.
Psychologically, to be honest with you, I currently feel beaten down and exhausted. I put a lot of energy into this, and sometimes I work myself physically sick, it's happened multiple times. About once a week, usually Saturday, I get a headache that lasts all day. My body's stress rebound mechanism you might call it. Getting over one of those sick periods now, which is why I barely even traded this week. I know I missed a lot of volatility this week and some A+ setups but I really just don't give a shit lol. I just currently don't have the mental capital, I think anyone who's been day trading every day for a year or more can understand what I mean by that. I'm still being productive though. Again, I'm not here to present an image of some badass trader, just keeping it real. To give something 100% day after day while receiving so much resistance, it takes a toll on you. So a break is necessary to avoid making bad trading decisions. That being said, I'm progressing more and more and eliminating those lesser quality trades and identifying my bad habits. I take steps to control those habits and strengthen my good habits such as having a solid routine, doing review and market research, taking profits at the right times, etc.
So maybe I can give some advice to some that are new to day trading, those who are feeling lost, or just in general thinking "...What the fuck..." I thought that every night for the first 6 months lol.
First of all, manage expectations. If you read my story of how I came to be a trader, you can see I had a false impression of trading in many aspects. Give yourself a realistic time horizon to how progress should be made. Do not set a monetary goal for yourself, or any time-based goal that is measured in your P/L. If you tell yourself, "I want to make X per day, X per week, or X per year" you're setting yourself up to feel like shit every single day when it's clear as the blue sky that you won't reach that goal anytime soon. As a matter of fact, it will appear you are moving further AWAY from that goal if you just focus on your P/L, which brings me to my next point.
You will lose money. In the beginning, most likely, you will lose money. I did it, you'll do it, the greatest Paul Tudor Jones did it. Trading is a skill that needs to be developed, and it is a process. Just look at it as paying your tuition to the market. Sim is fine but don't assume you have acquired this skill until you are adept at trading real money. So when you do make that leap, just trade small.
Just survive. Trade small. get the experience. Protect your capital. To reach break even on your bottom line is a huge accomplishment. In many ways, experience and screen time are the secret sauce.
Have a routine. This is very important. I actually will probably make a more in-depth post in the future about this if people want it. When I first started, I was overwhelmed with the feeling "What the fuck am I supposed to DO?" I felt lost. There's no boss to tell you how to be productive or how to find the right stocks, which is mostly a blessing, but a curse for new traders.
All that shit you see, don't believe all that bullshit. You know what I'm talking about. The bragposting, the clickbait Youtube videos, the ads preying on you. "I made X amount of money in a day and I'm fucking 19 lolz look at my Lamborghini" It's all a gimmick to sell you the dream. It's designed to poke right at your insecurities, that's marketing at it's finest. As for the bragposting on forums honestly, who cares. And I'm not pointing fingers on this forum, just any trading forum in general. They are never adding anything of value to the community in their posts. They never say this is how I did it. No, they just want you to think they're a genius. I can show you my $900 day trading the shit out of TSLA, but that doesn't tell the whole story. Gamblers never show you when they lose, you might never hear from those guys again because behind the scenes, they over-leveraged themselves and blew up. Some may actually be consistently profitable and the trades are 100% legit. That's fantastic. But again, I don't care, and you shouldn't either. You shouldn't compare yourself to others.
"Everyone's a genius in a bull market" Here's the thing.. Markets change. Edges disappear. Trading strategies were made by traders who traded during times when everything they did worked. Buy all the breakouts? Sure! It's the fucking tech bubble! Everything works! I'm sure all those typical setups used to work fantastically at some point in time. But the more people realize them, the less effective they are. SOMEONE has to be losing money on the opposite side of a winning trade, and who's willing to do that when the trade is so obvious? That being said, some things are obvious AND still work. Technical analysis works... sometimes. The caveat to that is, filters. You need to, in some way, filter out certain setups from others. For example, you could say, "I won't take a wedge pattern setup on an intraday chart unless it is in a higher time frame uptrend, without nearby resistance, and trading above average volume with news on that day."
Have a plan. If you can't describe your plan, you don't have one. Think in probabilities. You should think entirely in "if, then" scenarios. If X has happens, then Y will probably happen. "If BABA breaks this premarket support level on the open I will look for a pop up to short into."
Backtest. Most traders lose mainly because they think they have an edge but they don't. You read these books and all this stuff online telling you "this is a high probability setup" but do you know that for a fact? There's different ways to backtest, but I think the best way for a beginner is manual backtesting with a chart and an excel sheet. This builds up that screen time and pattern recognition faster. This video shows how to do that. Once I saw someone do it, it didn't seem so boring and awful as I thought it was.
Intelligence is not enough. You're smarter than most people, that's great, but that alone is not enough to make you money in trading necessarily. Brilliant people try and fail at this all the time, lawyers, doctors, surgeons, engineers.. Why do they fail if they're so smart? It's all a fucking scam. No, a number of reasons, but the biggest is discipline and emotional intelligence.
Journal every day. K no thanks, bro. That's fucking gay. That's how I felt when I heard this advice but really that is pride and laziness talking. This is the process you need to do to learn what works for you and what doesn't. Review the trades you took, what your plan was, what actually happened, how you executed. Identify what you did well and what you can work on. This is how you develop discipline and emotional intelligence, by monitoring yourself. How you feel physically and mentally, and how these states affect your decision-making.
Always be learning. Read as much as you can. Good quality books. Here's the best I've read so far;
Market Wizards -Jack Schwager
One Good Trade -Mike Bellafiore
The Daily Trading Coach -Bret Steenbarger
Psycho-cybernetics -Maxwell Maltz
Why You Win or Lose -Fred Kelly
The Art and Science of Technical Analysis -Adam Grimes
Dark Pools -Scott Patterson
Be nimble. Everyday I do my research on the symbols I'm trading and the fundamental news that's driving them. I might be trading a large cap that's gapping up with a beat on EPS and revenue and positive guidance. But if I see that stock pop up and fail miserably on the open amidst huge selling pressure, and I look and see the broader market tanking, guess what, I'm getting short, and that's just day trading. The movement of the market, on an intraday timeframe, doesn't have to make logical sense.
Adapt. In March I used to be able to buy a breakout on a symbol and swing it for the majority of the day. In the summer I was basically scalping on the open and being done for the day. Volatility changes, and so do my profit targets.
Be accountable. Be humble. Be honest. I take 100% responsibility for every dime I've lost or made in the market. It's not the market makers fault, it wasn't the HFTs, I pressed the button. I know my bad habits and I know my good habits.. my strengths/ my weaknesses.
Protect yourself from toxicity. Stay away from traders and people on forums who just have that negative mindset. That "can't be done" mentality. Day trading is a scam!! It can certainly be done. Prove it, you bastard. I'm posting to this particular forum because I don't see much of that here and apparently the mods to a good job of not tolerating it. As the mod wrote in the rules, they're most likely raging from a loss. Also, the Stocktwits mentality of "AAPL is going to TANK on the open! $180, here we come. $$$" , or the grandiose stories, "I just knew AMZN was going to go up on earnings. I could feel it. I went ALL IN. Options money, baby! ka-ching!$" Lol, that is so toxic to a new trader. Get away from that. How will you be able to remain nimble when this is your thought process?
Be good to yourself. Stop beating yourself up. You're an entrepreneur. You're boldly going where no man has gone before. You've got balls.
Acknowledge your mistakes, don't identify with them. You are not your mistakes and you are not your bad habits. These are only things that you do, and you can take action necessary to do them less.
It doesn't matter what people think. Maybe they think you're a fool, a gambler. You don't need their approval. You don't need to talk to your co-workers and friends about it to satisfy some subconscious plea for guidance; is this a good idea?
You don't need anyone's permission to become the person you want to be.
They don't believe in you? Fuck 'em. I believe in you.
submitted by indridcold91 to Daytrading [link] [comments]

22 year old friendship ruined, need your thoughts....

I'd love some perspective on a recent story that's bothering me. Any and all perspectives welcomed.
In August last year an old friend (we're 38 now and 16 when we met) had been doing a guidance ritual with his mum who is trained to be a shaman… she gave him LSD as part of the ritual- and I haven't tried it so I don't know what it's like.
Anyway, for some reason I contacted him out of the blue the next day when he was still feeling some of the effects. He told me that he loved me, probably always had and it had been a long time coming. I was really surprised, but it was lovely. On some level I'd always felt like that about him (I denied it a lot over the years) but really didn't think that he would ever say or feel something like that.
In that convo he said I'd make a great girlfriend and he'd be lucky to have me, I was really smart and lovely but intense and opinionated. Also, that ironically he thought he'd missed his one chance at happiness with me (you can understand the ironically part when you know the backstory). He said I was beautiful and he was stupid for not being completely in love with me. He said he was sure we'd known each other in past lives. I was very touched by all of this because I adore him but I took it with a pinch of salt, and tried to find out if it was just a fleeting feeling.
But he also said that his life is on a dark path, and that in this lifetime he is only meant to suffer, maybe he'll be dead by 50 and we should see each other in the next life. He said he has huge issues (lots of drink and drugs of many types), is also very intense, and I'd never be able to handle the up and down of his lifestyle.
I got the feeling that he was having those thoughts about loving me for the first time right then, so I asked him if he’d felt like that before, or just that night. And he said he’d thought it the last time we spoke when I’d interviewed him for a book a couple of years previously. But I didn’t get the impression he’d really felt like that when we were younger.
I checked a month or 2 later if he remembered what he said because I thought maybe he had just been high. He said he thought he remembered everything he had said, and said I wasn't very nice for not believing him, so I was really happy and decided to go and see him.
Fast forward a couple months to after Christmas - I hadn't been to see him yet- but we’d been messaging and sending photos. For Christmas, his mum had bought him a tarot card reading with a chocolate ritual with a shaman or a psychic lady, and he was sharing with me that he'd done it and that it said his head was really messed up. He seemed quite upset.
So me being 5% moron, my nervousness and excitedness had returned (I was always very, very nervous around him when we were young) and I made a joke he really didn't appreciate, offering to shoot him in the head if he wanted (I was trying to lighten the mood, and also we seemed to be getting a bit more gentle, intimate and less jokey in the way that we were talking to each other, which freaks me out. He's much sweeter than he used to be, and it kind of makes me freeze up a bit).
Well! Bang. It was like I stabbed him in the chest or something. It seemed to instantly remind him of all the things that annoy him about me, and after 5 months being really sweet he went cold on me. Really, really cold. From there I got very confused and kept making worse mistakes because I got nervous, and kept trying to fix it. I sent him some long, weird email which I’m sure made things worse. I also posted something on Facebook which made it look like I was chatting to other guys. All very silly. It's ridiculous. I'm an adult and am pretty confident these days. But suddenly I was really nervous again feeling like a kid and like there’s something terribly wrong with me.
I arranged to go and see him for a few days in Tenerife, and before I went it was pretty tense between us and I couldn't tell if he wanted me to go or not- I did everything I could to try and find out if he actually wanted me to go or not- but he was his usual tight-lipped self. When I got there, he was very hospitable, apologized for being off-radar and showed me round, we went out to bars and the beach...
We spent four days (before he had to go home to England) as a quasi-couple, and it was a very surreal experience. It was bizarrely intimate, sweet but tense, with someone I know very well... naked. For the first time I realised how peace-loving and gentle he is- which I never saw before. He can't stand a lot of the more boisterous things I do, which is fair, but ironically they're things I tended to do from nerves and trying to get his attention. I kind of got it after that- why he finds me so aversive sometimes, it's like we're stuck in a negative feedback loop, and he thinks I’m too harsh for his delicate constitution. Which, he might just be right about.
In between the fun, laughing, joking, drinking, sex and bonding- of which there was lots and it was really nice - he was filled with sadness and depression, grumpiness, and a funny attitude from him that seemed to shout: "yuck, it's you, you're more like a sisteannoying irritation than a woman to me." He said that it was because his life was falling apart- and he was obviously very very depressed but trying to show me a good time and doing a good job of it too, I might add. But so many things pointed to the fact that he mainly just felt annoyed by me, found me totally unsuitable, and kind of pitied me, rather than feeling any love for me, and that he finds me generally very annoying. Wall up, blinds closed, aint comin' in.
He also kept telling me about his lifestyle of drink and drugs and how everyone he knows is a junky or a crazy person. It felt like he was trying very hard to make me see reality and put me off him, or save me from him, or warn me, or see how I would react and if I would run. Or save himself from what he sees as inevitable hostility and rejection (as well as from me and how annoying I am). "Be careful what you wish for" and "curiosity killed the cat" seemed to be his repetitive catchphrases when I showed an interest in him. Apparently, his ex thinks he's a bastard, he would tell me.
I think, ideally, if he could change me (he used to talk a lot about me doing DHT to rebalance myself) he would want to be in a relationship, because we enjoy each other’s company. But it could only work if he was tougher and I was less harsh. I think he sees these things quite clearly as they are – that he’s got a delicate constitution, and I’m far too frustrated by him to be delicate enough for things to work out. I’d soon get pissed off and ditch the situation, rather than sweep things under the rug and carry on from day to day in a carefree world of consumption- I just couldn’t do that. I’m a strategic future-planner.
At one point we played some intimacy/trust game with lots of questions, and he loosened up a little... but the way he would answer questions like "Name 3 things you like about your partner" was like "well you ARE very caring" in the same way that someone might say "Well, Hitler WAS very spiritual." It's funny because in relationships I'm very soft in general, in recent years, but I do still get very harsh and frustrated when problems don’t seem solvable. But with him I just can't seem to relax and trust him enough to be soft with him at all, and he didn't give me a chance anyway. We just don’t trust each other- we’re not safe for each other.
After I went home he checked in with me a couple times, which I liked. He tried to share some things with me that interest him, about quite spiritual or unusual subjects (trees being interconnected, aliens having been involved in human development, DHT, the memory of water… stuff that as someone who studied physics I don’t normally hear about, but I’m pretty open to hearing about them)- he's very soft and very chilled- doesn’t like stress at all. But every time I tried to dig a bit deeper and engage with him to see what it was about them that interested him - he completely ignored me. Didn’t try, nothing. Me trying to talk with him about the things he shared seemed to send the walls up and just bug him. Really really frustrating. It's like I couldn't do anything right. Particularly frustrating when he said he was trying to open up my mind- but then wouldn't connect or follow through.
So, for a couple months, for the first time in 20 years I seemed to be chasing him. It's like he promised me something, judged me for being nervous and "annoying" and not perfect, and then instead of being understanding, he ran. Yikes.
Eventually I got so confused I sent him screenshots of the conversation where he'd said he loved me and he didn't even remember it! He was shocked, blamed it on the drugs and mental illness saying that he was "not a well person." He said he was beginning to get the feeling that he'd "annoyed me" now, and that he sees me as a friend, and he didn't mean to piss me off. Then he changed the subject. He finished up that conversation by saying "we're on different paths and in different places", and he needs to sort himself out and that's that.
The backstory goes like this… The first year we knew eachother he nicknamed me “TT” which meant “no tits and no teeth” (I had big gaps before I had braces). He used to do things like hit me on the butt with a stick and then I’d punch him and go nuts. He really took the piss out of me with his friends and girlfriends because I had a huge crush on him (he thought it was hilarious that I felt like I’d been struck by lightning when I first saw him). They used to put me on speakerphone and laugh. He was the only guy I ever asked out – which I did on his answer machine!! Ugh. So, yeah, really humiliated me actually and I’ve never asked anyone out since (thank goodness I’m a woman, haha).
After that I had braces and turned into a social person who had lots of parties and friends. He started being really nice to me. But I didn’t forgive him very easily, and we had a big bust up and weren't friends for a year or so. I did a pizza leaflet with his phone number on it. And I banned him from my 18th birthday party to which all our friends were going, and he was pretty upset. I felt bad once when I saw him outside one of my parties on the curb holding his head in his hands saying “why does she hate me so much?” Well, deep down I loved the guy, but he’d humiliated me, so I guess there was a thin line between love and hate. I don’t know if that would have made him feel any better, but hopefully.
From some point on, we made up and we always had great chemistry after that... we did things like hanging out and smoking some weed in his car together with other people, going out in London with our mutual friends, him giving me lots of lifts home from pubs and friends houses, me driving his car drunk and pretending I was going to crash it to wind him up (that was stupid and irresponsible).
Looking back I think he kind of liked me at that point but was scared of me, didn’t know how to make a move as I had moved on and had given him such a hard time, but at the time I really didn't have a clue whether he liked me or not, I was always just very, very feisty and energetic around him (after all the humiliation I guess) so I could never be calm.
Then we went to the same uni town, texted constantly for a year, and even then he said he thought we’d known each other in past lives. To my friends I gave him the nickname "my future husband", he asked me out in the cutest way by saying that if I had the guts and the inclination to go out with him, then we should go for a drink. I was soooo excited..
Well, we almost went out and then he dropped out of uni because of an argument with a lecturer or something. I honestly believe everyone has to follow their own path, so for me it was just sad for him that he had so much stress, and it was disappointing about the date. Our first kiss was when he came up to the uni town again and we did a pub crawl, and he seemed to want to go and sit somewhere and be sweet but I was too nervous so we just kept doing the pubcrawl and ended up spooning on a friend’s floor (just hugging and kissing).
We almost went on a date in our home area but he cancelled without suggesting an alternative, and I got annoyed so he stopped talking to me- surprisingly easily- it’s like he has a very low threshold for any kind of angst, and isn’t able to soothe himself or the other person, so just bails. Which, considering the fact that he creates a lot of angst-provoking situations means that he kind of expects to go through life without facing any consequences for his actions. Pretty frustrating for someone like me, who expects quite a lot of openness and honesty.
We eventually hooked up once and he never called me after so after waiting for a while, I reluctantly moved on and ended up with someone else for 4 years. I have no idea how he felt about this, but a couple of small things surprised me and I wondered if he had actually felt more than I gave him credit for. I mean, that love confession blew me away, I wouldn't have thought for a moment that he had been harbouring any thoughts like that about me, I thought for him it was all a big joke and meant nothing, so maybe he did feel something other than annoyance for me when we were younger.
It's hard to tell as he's been with a lot of women, is very tight-lipped and doesn’t put himself on the line, or take any risks at all. But in those days I was always so nervous around him that any signs would have just gone completely under the radar anyway.
A few years later, after lots of traveling, he popped up working in the office down the hall from me at this random summer job I took and we started emailing lots. He seemed disappointed with how life was not as exciting as he'd expected. Then he disappeared one day- he was living with his ex at the time (very lovely girl) and I was with the same guy (the 4 year one).
A few years after that we were back hanging around in the same social circle until everyone, including him, moved abroad, and eventually, so did i. It was funny, I would always be able to talk to him if I was upset about, say, moving to uni or something. It didn't happen often but a couple of times.
Most of this he probably wouldn't even remember because I think he's been with a lot a lot of girls.
He has low self-esteem, apparently. He thinks he has bad luck with women even though women adore him (he's exceptionally easy on the eyes. He’s beautiful actually)- and according to a mutual friend of ours, when he was a teenager he always worried that no decent women would want someone like him.
Recently (in the past 15 years, which isn’t so recent, lol) we didn't really hang out much but we became more normal adults. I went down quite a dry academic path and got a BSc in physics with astrophysics and an MSc in clinical research, and ended up stuck in a corporate job I hated until I quit to become a writer, whereas he had more balls than me and did what he wanted much earlier- becoming an entrepreneur trading stock, gold, Forex, imports and exports... at times making a fortune and at other times going bust and beating himself up for it, but always finding something new to try, which I think's pretty damn cool (but try convincing him of that).
It's pretty normal for entrepreneurial people to have ups and downs in their success-levels I think, but he seems to judge himself very harshly. The last couple of years he’s been making more money than I’ve ever been able to shake a stick at! I really don’t think he should feel ashamed at all (which he seems to), I think he should feel proud that he’s so dynamic. Good for him. He’s awesome. The only thing I wish is that he had heavy enough emotional armor that he could deal with more difficult situations without bailing.
Anyway. Over the years I stopped being super into him and we had a nice, pretty normal friendship -we chatted sometimes on messenger and would always have nice chemistry when we saw each other. He's been trying to arrange a visit for about 10 years or so between the various countries we've been living in (we're both expat people and he wanted to come see me in Madrid and Amsterdam when I lived there, then he wanted me to go seem him in Tenerife for a few years) and I've avoided it, as although I wanted to see him I was scared of a casual fling with him as it’s not what I wanted, and I really don’t like that kind of thing anyway (tried it once or twice thinking I could handle it and I was being all “modern” and cool and everything – because I think I’m a bit old fashioned deep down - but I got emotionally attached and then end up hurt. So now I accept myself for who I am- someone who doesn’t really like flings or casual stuff, but someone who is into monogamy. Whoops! How very boring and unfashionable, and I don’t give a shit. Rayyyy for the love. Whoop whoop.).
A couple years ago I interviewed him for a book I wrote about ADHD entrepreneurs. His lifestyle was pretty cool making a lot of money through affiliate marketing and living near the beach in hot sunny Tenerife in an apartment with a pool. But he seemed to think that he sucked for some reason (everyone else seems to think it's pretty darn cool). He said that when he grew up he was under a lot of pressure and that it seemed to have messed up his head. He said that to do well in life you need to do what you want to do, because if you listen to other people you are only going to be messed up. When he was on LSD he said that he had thought he loved me during that interview.
This year, his life as an expat abroad basically fell apart as the affiliate marketing scheme crashed and he had to move home to live with his parents, which has brought him really, really down into depression. He said he keeps being told he is going to end up working in McDonalds, and being reminded of the fact that he’s almost 40, and this seemed to be weighing on his mind. It sounds like a lot of pressure.
But anyway, for about 5 months after the conversation when he was on LSD he opened up to me, and he was really lovely to me. It was so nice. I guess it was because I was more relaxed and the main thing I wanted was to check up on him and see that he was ok. I didn’t have an agenda to see if he would be a match for me or anything like that- I was just really worried about him. So maybe he felt safe enough to relax.
I said that I always imagined that we would end up as platonic roommates when we were 50 and I would make him sandwiches and listen to all his funny antics – which he thought was cute. Actually, I really did like that idea- because it would take away the underlying obligations that a relationship brings that we couldn’t deliver for each other. And friendship is what relationships turn into anyway.
For my part, it's really disturbed my sleep for months since I came back from visiting him.
Now after trying to message in a friendly way during the coronavirus quarantine (er, I am very very bored) and being annoyed by his total lack of supportiveness, I've recently just told him that I don't want to be friends any more. Too painful. He says I have anger issues and I think he sees himself as an innocent victim.
Actually, if I'm honest, I've been pretty angry at a lot of people for a few years, so, maybe he has a point.
I guess I'm being a bit selfish. It's not really fair expecting anything from a self-confessed depressed, unwell person. He's "in his pit of despair" as he calls it for 6 months and he has zero interest in me. I'm utterly irrelevant to him. He's snippy, rude, ignores me, and then seems to offer a little bit of an olive branch in the smallest of ways.
Excuse the really long story, would be interested in any insight people have on this situation, particularly with respect to how you think he feels and why he acts the way he does. If I feel like I understand this situation then hopefully I can stop thinking about it, because for the past 10 years I've just had the odd nice thought every now and then about him- and would like that to become the status quo again.
submitted by clarejackson10 to relationship_advice [link] [comments]

European Banks - Where Can I Easily Open a Bank Account?

European Banks - Where Can I Easily Open a Bank Account?
Choosing a foreign bank to open an account in is a difficult task. Many details must be taken into account so that you don’t run into failure or problems with account operations in the future.
Today, we have gathered 7 banks that will easily open an account for you (sometimes even remotely) and will not strictly monitor transactions on it.
https://preview.redd.it/s19up259z6951.png?width=3840&format=png&auto=webp&s=0e1b7d2ea22bc9871082ec856f5ab5d7a32d8038
FIO Banka
Country: Czech Republic
Year of foundation: As an online broker - since 1993, as a bank - since 2010.
FIO is the most loyal bank in Europe. There, you can open an account for any type of activity, from FOREX to gambling. There are no extra fees for maintenance or minimum balance and limits. Of course, the FIO does not require documentary evidence of the payments made.
Documents required to open an account:
  • foreign passport and internal passport;
  • company documents;
  • apostille of the Certificate of Incumbency to the corporate director or founder, if the company is older than 6 years;
  • strictly colored scans of all documents;
  • account opening term: 2-3 days
Do I need a personal visit to the bank? Yes. After reviewing the documents by the bank, you need to personally visit the department to verify your identity.
CSOB Banka
Country: Czech Republic
Established: 1964
CSOB Banka is the second largest bank in the Czech Republic in terms of capitalization and one of the most influential banks in Europe. There are no restrictions on dollar payments and a minimum deposit. You can manage your account through the online banking. CSOB is loyal to operations via the account, and does not require confirmation by agreement or invoice.
Documents required to open an account
Personal account:
  • passport or another identity document.
  • confirmation of address.
Corporate Account:
  • apostilled set of legal documents for the company.
If the company is with a nominee service, remote identification of an individual as a director or shareholder is required.
Account opening period: 5-7 days.
Do I need a personal visit to the bank? Yes. After reviewing the documents by the bank, you need to personally visit the department to verify your identity.
Ceska sporitelna
Country: Czech Republic
Established: 1825
Ceska Sporitelna is a very loyal bank that does not require confirmation of each payment made. All financial tasks can be quickly solved with the help of Internet banking.
Documents required to open an account:
  • statutory documents for the company (originals);
  • full extract from the Register without apostille (only for Czech companies);
  • Certificate of Good Standing with an apostille (for 3+ months companies);
  • beneficiary's domestic and foreign passport;
  • certified power of attorney to open an account;
  • a brief description of the business or website URL for online business;
  • account opening period: 7-14 days
Do I need a personal visit to the bank? Yes. After reviewing the documents by the bank, you need to personally visit the department to verify your identity.
MKB Bank
Country: Hungary
Established: 1950
MKB Bank is one of the largest banks in Hungary. An account will be opened for free, if necessary, a plastic Visa or MasterCard will be issued. You can open an account for an offshore company, but MKB will refuse this if the company is registered in a country from the OECD black list. Nevertheless, the MKB is quite loyal to the operations carried out on the account..
Documents required to open an account:
Personal account:
  • passport;
  • trust declaration;
  • power of attorney declaration;
Corporate Account:
  • Charter and memorandum of association of a company certified by a notary;
  • Protocol on the appointment of officers;
  • Certificate of incorporation, certificate of shares and certificate of good condition;
  • Power of attorney;
  • Trust Declaration;
  • Account opening period: 7 days.
Do I need a personal visit to the bank? Yes. After reviewing the MKB package of documents, you must visit Hungary and meet with a bank agent.
BOS bank
Country: Poland
Established: 1991
BOS Bank is a Polish bank. If your company is not older than a year, then account maintenance in the first 18 months will be free. There, you can open an account for offshore companies and any other activities. The bank is loyal to transactions carried out on the account.
Documents required to open an account:
Personal account:
  • passport;
  • polish visa
Corporate Account:
  • extract from the registry translated into Polish and notarized;
  • Account opening period: 14 days.
Do I need a personal visit to the bank? No, the account can be opened remotely.
Bank Zachodni WBK
Country: Poland
Established: 2001
Bank Zachodni WBK is the third largest bank in Poland in terms of assets. The bank is not picky about corporate documents, opens accounts for any kind activities.
Documents required to open an account:
Personal account:
  • passport;
  • polish visa.
Corporate Account:
  • extract from the registry translated into Polish and notarized;
  • account opening period: 14-21 days.
Do I need a personal visit to the bank? Yes. After reviewing the documents by the bank, you need to personally visit the department to verify your identity.
ING Bank Slaski
Country: Poland
Established: 1988
ING is the largest bank in Poland. The bank opens accounts for onshore companies and is loyal to non-resident customers in Poland. You can issue a Visa or MasterCard plastic card.
Documents required to open an account:
Personal account:
  • passport;
  • Polish visa.
Corporate Account:
  • Extract from the registry translated into Polish and notarized;
  • Account opening period: 14 days.
Do I need a personal visit to the bank? No, the account can be opened remotely.
You can learn more about the conditions for opening an account with these banks from Bizonaire specialists. Call us or leave a request on the site chat, and we will contact you ASAP!
https://bizonaire.com/en/blog/article/european-banks-where-can-i-easily-open-a-bank-account---258.html
submitted by Djosd to Bizonaire [link] [comments]

Send Money Abroad

The world has become more connected; more people or corporates need to send money abroad for many reasons. If you live and working away from the home, time will definitely come when you have to make transfer to abroad to support your loved ones and other reasons.
Outward Remittance is basically the same as an international money transfer. Many of the sender /customers live overseas and send their hard money to support their loved ones. For example, Parents do a wire transfer to University or their son/daughter’s account for the purpose of their education.
To help them, please visit your nearest branch of Orient exchange or go to the website www.orientexchange.in
Some of the tips to be followed for good convenience:
The right place to Approach
· Telegraphic transfers or process of sending money are made through ADII RBI license holders or banks or money changers.
· Customers should remember that you just can not trust any individuals with the responsibility of sending money.
· Experts recommend choosing a better exchange house /bank that has the international footprint which makes your money transfer easier and secure.
Mode of transfer
You need to choose the option to send money. One is Wire transfer and another is Demand draft. Wire transfer is done via SWIFT i.e. Society for Worldwide Interbank Financial Telecommunications.
A swift transfer is the most secure and standard system which can be done by banks to their correspondents with each other. A demand draft can be sent abroad physically and takes a little bit of time to get cleared. In most of the time remittance will be received by the beneficiary bank in 48 hrs.
Process of application
Primarily, the customer has to send their documents /upload either online or visit the office or request for home verification of KYC and other relevant documents. The requirement of documents may slightly vary with the purpose behind sending the money. There is a limit set by RBI to individuals who remitting money abroad. RBI has placed an annual cap of $ 250000 to the individuals
· Rate fixing: Customer can book their forex rate by paying 2% of the transaction value or they may pay after verification of documents.
· Fees/charges: Many banks are involved in a single outward remittance through the SWIFT network. The customer is liable to pay extra fees. Two to three intermediary banks may handle the transfers so they can add their own charges. In addition to that own bank & receipt bank charges are also included in what you pay.
Duration: Remitter to receiver ‘s account
A swift transfer is transferring money between multiple banks before the funds credited to the seller’s /beneficiary account. This process will be completed from 1 to 5 working days depending on the countries where you transfer.
What details are must for outward remittance transfer?
*Beneficiary Details :
Name of the beneficiary &
Address of the Beneficiary
*Payee Bank details :
1) SWIFT CODE: Swift code is known as Bank ID /SWIFT CODE/Identifier code.
Each financial institution is having its own unique swift code. Swift code usually has 8 to 11 digit or characters.
For Ex: BANK OF AMERICA transfer, SWIFT CODE is “ BOFAUS3N”
2) Beneficiary bank name
3) Beneficiary Bank Address and branch name
4) Beneficiary Bank Account Number
5) Currency wise bank details are additionally required:
i) AED – IBAN
ii) GBP – IBAN, Sort Code
iii) CAD – Transit Number
iv) AUD – BSB Code
v) EUNZD/THB/SEK/SGD – IBAN
Attention on the exchange rate:
Customers always think about the best way to send Wire transfer at a cheap cost.
In the current market scenario, customers should know that most of the banks or money exchangers don’t use the real exchange rate. Instead of that, add more margin on top of live rates. So, customers pay more or beneficiary to receive less. To avoid these hidden charges try using online services that provide you the live /real exchange rates on all wire transfers, Currency Exchange, forex card etc….
submitted by Orient_Exchange to u/Orient_Exchange [link] [comments]

Broker Technology

Broker Technology
Forex Broker Solutions
With USD 5 trillion trading volume per day, FOREX Market is world’s volume. Yes, you read it right, its USD 5 trillion a day! This is one-fourth of US GDP of $ 19.39 trillion. Such humongous is the Forex Trading Market. And why shouldn’t it be, after all we live in a globalized world where most of the countries trade with each other. And all these transactions involve one or the other currency. Investments are being made world over by one country to another and all these need transaction in Forex. Everyday billions of businesses located across globe transact with each other for their trade.
📷
https://preview.redd.it/fwr0upzlery41.jpg?width=900&format=pjpg&auto=webp&s=52478a7024de0274d1c582a89aa0a413cf485310
All these parties and people need currencies every day and their buying and selling creates this huge FOREX Market. With the advent of technology, FOREX Trading has got widespread popularity. It’s quick, easy and can be a good source of income for traders.
While International Banks and Institutions create the largest part of volume, small time retailers participate in Forex Market too on day to day basis. People from every walk of life from different regions of various countries are actively participating in forex trading and making livelihood for themselves.
Forex Brokers play a vital role in bridging gap between these small retailer and the large forex market. Forex Brokerage Business can be extremely rewarding if done with proper planning and right tools. We at MT4 & MT5-Whitelabel provide the forex trading software and tools, consultancy for starting Forex Brokerage Business, Opening On Shore and Off Shore Business, Getting Forex License and Regulatory approvals etc.
We are going to share Step-By-Step Guide To Starting Your Own Forex Brokerage Business. And this blog is very first in this series.
Who is a FOREX Broker?
Forex brokering business provides currency traders with access to a trading platform that allows them to buy and sell foreign currencies. It’s basically a platform that connects forex traders (primarily forex retail traders) with global network of forex market at large. Forex Brokers are the gateway to huge Forex Market for the small time retails forex traders. Forex Brokers are the most important part of this glorious international financial market and here is the List of 15 Things Forex Brokers do for Forex Traders.
  1. Open Account
  2. Do the KYC
  3. Take care of AML and other regulatory compliance to keep everything clean
  4. Deposit and withdraw money with multiple options like Bank Account, Credit Card, Wallet etc
  5. Keep the charges clear and transparent
  6. Provide platform to place Forex Trading orders
  7. Wide range of Currency Pairs
  8. Provide leverage so that traders could take larger traders with lower capital
  9. Liquidity which makes sure traders get in and get out from trader at their choice of price point
  10. Quick Support and Query resolution
  11. Tools to keep track of their trade, profit and loss, charges etc.
  12. Freedom to trade as and when a trader wants not only this but the freedom to not to trade is essential too
  13. Close the account whenever a trader wants
  14. Share the news and events that may impact Forex Market
  15. Keep on upgrading the systems and tools with latest versions
This is just a quick list that a forex broker does but there are more to this and we will discuss them in next blogs about forex broker. So stay tuned!
read more visit https://www.forexsolutions.com/who-is-forex-broke
submitted by forexsolutions to u/forexsolutions [link] [comments]

Banking and Money Transfers for Expats in Israel

I live in Australia. I'll be visiting Israel for an extended period of time. I'll need to live of my Australian funds while I'm there.
I don't want to use my Australian credit and bank cards with their 3% charge for every international transaction.
So I'm looking for any general advice on banks, banking and foreign transfers for visitors.
Specifically:
Can I open a bank account as a visitor to the country?
What is the most effective way to transfer money to Israel, minimizing losses on exchange rates or transfer fees?
Is there any advantage to one large transfer vs. several small ones over time?
Who tends to have the best ForEx rates (banks vs. online ForEx vs. brick and mortar ForEx)?
Thank you Reddit!
submitted by WinterScarcity to Israel [link] [comments]

Trip Planning Step-by-Step Guide

Planning for a trip is a very tiring, yet one of the most exciting thing in my opinion.
I do a very extensive planning, and at times I plan an itinerary even when I don't have any upcoming travel plans. I also enjoy taking inspiration fro other people itinerary.
Although, I feel that there is too much information out there. Lot of effort goes into figuring out, what information is to be used and what is to be ignored.
Step by Step guide on how to plan your next trip - deciding destinations, booking flight and stay, preparing for trip and having fun while traveling.

1. Shortlisting BROAD region or country to visit

Deciding the region to travel to depends on below two factors, in the order decided by personal situation and priority (a must-try experience or activity Versus save some money)

Interest or Flavour of the trip and Dates

Budget

Number of travellers is a factor. I travel economy and I stay in affordable hotels.
Output: Broad region or country which can be visited (i.e. Europe/ SEA / LatAm/ Asia / Oceania / NorAm or slightly more specific Maldives/ Mauritius / French Polynesia / Caribbean)

2. Narrow down on Country to visit -

Decide on the primary/ landing country

Flight search for deals around travel dates Seasonality: not extreme temperature, not too hot (I prefer shoulder seasons) Crowd: not very crowded, but also not deserted ( else, lot of attractions and restaurants are closed down) Remove countries which have any safety concerns around travel dates

For tie-breaker between 2 destinations

Popular festivals Food preference Language comfort and friendly locals What wife says!
Output: Landing country for the trip is finalised

3. Book the onward/return Flight or Train tickets

With good research, (one-way to A + A to B + one-way from B) is cheaper than (two-way from A)
Output: Flight tickets booked

4. Finalise Itinerary - Cities and number of days

I try to stay a minimum of 3 days in a city, so that the only things I remember isn't airport, transit, and hotel check-ins.
Output: A day-wise and city-wise itinerary planned out in a shareable Google sheet, Excel or tool

5. Book Internal commute

Commute can broadly be
(An overnight commute, will save you from booking a stay in the hotel for that night)
Output: Internal Commute booked and and added to itinerary tool

6. Book Stay or Hotels

This is the impossible trinity of stay. Normally, you get only 2 out of the 3 among ( Good Location, Good Amenities, Good Price)

Location or area of city to stay in

*City - Centre (nearby attractions, happening, expensive) VS Outskirts ( faraway attractions, quiet, affordable)

Amenities or comfort of Stay

Budget or Price per might

I research on hotel booking website and read detailed reviews.
Output: Stay Booked and added to itinerary tool

7. To-Do list and shared folder -

Create and execute To-Do List

Shared Folder: Add all flight and hotel bookings and important docs to this and share with co-travellers

Output: All basic and mandatory things planned for the trip

8. Plan activities for the trip

I keep this part of the trip slightly flexible. While, I have 4-5 top things to do( per city ) figured out before the start of trip, for other things, I explore things on the go.
Output: You are 90% ready for the trip

9. Get ready for the trip

Output: Start your trip

10. Enjoy your trip

Output: Have a fun trip

11. Go back to Step 1. Start planning for your next trip

While I come back with great memories and share my travel stories. I start planning for my next trip, having no idea of when to go or where to go.
Original post at Best Trip planning guide on Tripspell
submitted by Tripspell to TripPlanners [link] [comments]

How do I escalate a complaint with higher authoritiesi n SBI?

An international wire transfer payment was sent to my SBI savings account on dec-2016.Almost 3 years have passed,still the amount is not credited to my account. Regarding this matter,i visited my home branch and had shown the payment information ( UTR no ) etc , but they advised me to contact the SBI remittance department . Since then i have sent multiple emails to the forex dept of SBI ,my home branch, but didn't get any positive response .Even though when they gave response it was a generic response. I have registered multiple complaints in their cms portal. most of the times they gave me a ticket which is nontrackable in the portal.
I registered a new complaint yesterday and to my utter surprise today when i checked the status it is showing me atm related complain. But yesterday it was showing the right complaint type -inward remittance not credited .Anyway i'm really frustrated with SBI and their customer service. how can i raise a complaint to their high authority? There customer care is uselsess .When i have contacted them today and asked why did they change my complain type they gave reply -"you must have complained about atm card ,otherwise why it is showing as atm card related complain ?" I said "i'm asking the same question why it is showing different complain. I didn't complain about atm card .close this complain ". She said -"We can not close any complain " .. Seriously !! what is this ..!Can anyone enlighten me the path to raise a complain to their higher authority so that my grievance gets addressed and i get the money credited to my account which has been stuck in their system for a long time . I would really appreciate any help. Thank you
submitted by NullifyPirates to india [link] [comments]

Twenty hour layover at Istanbul | Need help on few points

Hello, Turks!
I will be travelling to London from India via Turkish Airlines. I have a twenty hour layover at Istanbul out of pure luck.
The city of Istanbul is beautiful beyond words with its history and heritage. I consider myself very fortunate to get a chance to explore the place, learn the culture, visit iconic monuments, try local cuisine and hangout with locals.
My flight lands at 10:45 AM and connection flight is on next day 07:45 AM. I have purchased the transit visa.
This is the first time I am travelling by a aeroplane and that too outside my country. I will be alone in this trip. I seek some advise and guidance from you for below listed queries:
Apologies for the long post. As I am travelling alone and for the first time, I am bit anxious but much more excited about the whole event.
Any help/guidance/advise would be highly appreciated. I look forward to seeing you soon.
Thank you! Floyd.
submitted by _Floydian to Turkey [link] [comments]

How do you plan your travel? What tools do you use? I follow the following steps.

How do you plan your travel? What tools do you use? I follow the following steps.
Planning for a trip is a very tiring, yet one of the most exciting thing in my opinion.
I do a very extensive planning, and at times I plan an itinerary even when I don't have any upcoming travel plans. I also enjoy taking inspiration from other people itinerary.
Although, I feel that there is too much information out there. Lot of effort goes into figuring out, what information is to be used and what is to be ignored. (List of tools I use are mentioned at the end of the article)

Disclaimer: There is no perfect way to plan a trip. This is how I do it, and still there are lot more things to it, and one post won't do justice to it. I would love to know how you plan your travel.

1. Shortlisting BROAD region or country to visit

Below two factors in the order decided by personal situation and priority (a must-try experience or activity Versus save some money)
  • Interest / Flavour of the trip + Dates
  1. Activities: Mountains / Beach / Museums/ History / Road trip/ Culture (Adventure/ Relaxing/ Romantic / Family)
  2. Dates of Travel: broad idea of month or holiday season

  • Budget (number of travellers is a factor) ( I travel economy and I stay in affordable hotels)
  1. Flight/ Train prices: broad range around $100 / $500 / $1000 two-way ( nearby / little far / very far)
  2. Stay prices: broad range around $30 / $100 / $200 per night ($100 in Bali gets a private villa with pool VS a dingy room in Paris, but assuming a viable stay experience, some places won't offer anything decent for less than $200/300)
  3. Intercity/ Intracity commute: affordable public transport VS semi-affordable car rental (toll/ one way/ two way) VS depends-on-location Taxi services VS expensive private drops (island destinations)

Output: Broad region or country which can be visited eg: Europe/ SEA / LatAm 

2. Narrow down on Country to visit

  • Decide on the primary/ landing country
  1. Flight search for deals around travel dates
  2. Seasonality: not extreme temperature, not too hot (I prefer shoulder seasons)
  3. Crowd: not very crowded, but also not deserted ( else, lot of attractions and restaurants are closed down)
  4. Remove countries which have any safety concerns around travel dates
  • For tie-breaker between 2 destinations
  1. Popular festivals
  2. Food preference
  3. Language comfort and friendly locals
  4. What wife says!

Output: Landing country for the trip is finalised 

3. Book the onward/return Flight or Train tickets

  • Two-way flight: if budget is a constraint + good return flight deal is available + not going to far away destinations on trip
  • One-way flight: if return destination could be different then just book onward flight
with good research, (one-way to A + A to B + one-way from B) is cheaper than (two-way from A)
Output: Flight tickets booked

4. Finalise Itinerary - Cities and number of days

  1. Interests of yours and co-travellers
  2. Commute time/ convenience
  3. Return city is same or different (circular trip or linear trip)
I try to stay a minimum of 3 days in a city, so that the only things I remember isn't airport, transit, and hotel check-ins.
Output: A day-wise and city-wise itinerary planned out in a shareable Google sheet, Excel or tool 

5. Book Internal commute

Commute can broadly be
  • Public transport: I prefer Trains/Buses in Europe, Flights in Asia/SEA
  • Car Rental: Freedom to explore at will. Two-way rental only makes sense. Toll fee, Parking to be taken into account.
  • Private Transport: Island destinations where the resorts arrange your commute
(An overnight commute, will save you from booking a stay in the hotel for that night)
Output: Internal Commute booked and and added to itinerary tool 

6. Book Stay or Hotels

This is the impossible trinity of stay. You get normally only 2 out of the 3 among ( Good Location, Good Amenities, Good Price)
  • Location or area of city to stay in
  1. City - Centre (nearby attractions, happening, expensive) VS Outskirts ( faraway attractions, quiet, affordable)
  2. Prefer day-trips VS spending time in the city (parking is a concern)
  3. Safety of area and connectivity
  • Amenities or comfort of Stay
  1. Hotel VS Hostel VS Airbnb ( meet fellow travellers, party, stay with locals, keep to yourself)
  2. Amenities: Kitchen, Pool, Gym, Pet-Friendly
  • Budget or Price per might
I research on hotel booking website and read detailed reviews.
Output: Stay Booked and added to itinerary tool 

7. To-Do list and shared folder

  • Create and execute To-Do List
  1. Visa, Travel Insurance, Health care
  2. Packing list: based on season, activity planned
  3. Shopping list: based on season, activity planned
  • Shared Folder: Add all flight and hotel bookings and important docs to this and share with co-travellers

Output: All basic and mandatory things planned for the trip 

8. Plan activities for the trip

I keep this part of the trip slightly flexible. While, I have 4-5 top things to do( per city ) figured out before the start of trip, for other things, I explore things on the go.
  • Research things to do: read about activities and food you want to try on blogs, google, tripadvisor, lonelyplanet, youtube etc.
  • Bookmark activities: bookmark or notes tool, Google maps, Tripadvisor, Trip Planing tool
  • Book activities: some popular activities, events tickets or a restaurant you want to visit, have to be booked in advance

Output: You are 90% ready for the trip 

9. Get ready for the trip

  • Pack your things - necessary travel documents (passport, visa)
  • Online check-in of flights
  • Download offline Google maps
  • Sort out payment (Currency, Forex cards etc.)
  • Google translate or popular phrases
  • Important and emergency contacts noted down
  • Inform your family about your plan in case of emergency
  • Sort out your airport/station to hotel commute
  • Inform hotels about any additional requirements
  • Research any safety and local tips

Output: Start your trip 

10. Enjoy your trip

  • Keep flexible schedule
  • Meet local people and fellow travellers
  • Eat local cuisine
  • Don't waste time sleeping in the room
  • Respect the local customs and culture
  • Travel responsibly
  • Do some shopping and bring back gifts for friends and family

Output: Have a fun trip 

11. Go back to Step 1. Start planning for next trip

While I come back with great memories and share my travel stories. I start planning for my next trip, having no idea of when to go or where to go.
Tools I use for
  • Destination Research: Google Search, Blogs, Articles, Forums
  • Flight Deals: Google Flights, Skyscanner, Kayak, Airfarewatchdog, Secretflying
  • Hotel Deals: Airbnb, Booking, Hotels, Agoda, Google Hotels
  • Itinerary: Google Sheet/ Excel/ Notes
  • Packing list: To do/ List apps
  • Things to do: Blogs, Google maps, Viator, Getyourguide, Tripadvisor
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Best Forex Travel Card - What Is a Forex Prepaid Travel Card?

A prepaid forex card enables you to load multiple currencies on a single card ( Around the world in 80 days? No big deal). However, if you are visiting just one country, you can also choose to load a single currency. The forex cards will not only save you time, but can also spare you the pain of calculating conversion charges when you should be enjoying your vacation.
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Easy Foreign Currency Exchange Tips

Are you thinking to make an abroad trip? Would you like to send gift cash to your relative in abroad? Presently, it is a simpler task with currency exchange alternatives that are available. Banks offer you currency exchange at a reasonable cost. At that point Moneychangers additionally offer currency exchange yet with a charge. The best choice in the present time is online Forex sites. You'll get a fair exchange deal for money and the advantage of Forex card too.
If you want to try currency exchange online , at that point you can sign on to Bookmyforex.com and get foreign currency on BookMyForex on live and best rates. The site offers also gives you a more benefits for exchange with best rate alternatives that change as per the market situation.
Best Ways To Exchange Currency Online
Considering where is the best currency exchange near you, at that point you don't need to travel go for exchange. It's simpler to exchange currency through an online webpage Bookmyforex.com. The site has collaborated with more than 5000+ Banks and Moneychangers.
It delivers Forex exchange in more than 650 areas crosswise over India. The procedure is simpler and it takes around twenty-four hours to get your currency exchanged. Cash trade has never been such a simpler errand. The site likewise offers included highlights with cash trade.
The Reasonable Rate Alternative
Bookmyforex.com refreshes the Forex rates after every three seconds. It considers the fluctuations in rates giving you the best possible to pick the most ideal rate. With this choice, you can freeze the rates for three days. After paying a upfront charge of 2% lock the lowest possible rate.
You can buy foreign currency on BookMyForex at a similar rate. It additionally gives you an alternative to set a notification alert. You have to set your ideal rate alert on the site. In the event that your ideal rate matches the rate on site, you'll get an instant notification and this is the best way to save your money and effort.
The Forex Card
If you want to use a credit card on your foreign trips. Consider Forex card as it preloads the money of that spot. Forex exchange is simpler with a Forex card as you can load the accurate amount of money you need.
Likewise, you can reload the money if there is no balance on your card. Forex card is also called a traveler's card or prepaid card. At that point you additionally have a choice of a traveler's cheque. It is given in the currency of the place you are visiting. You can encash it or likewise use it for any purchase you made. Buy Forex card is the most flexible option if you are planning to go on a holiday abroad.
The Best Deals On Currency Exchange,
Thinking about what might be the best alternative for currency exchange. Then it is best way to login to Bookmyforex.com. Apart from money exchange gives, you additionally get best customer support. On the off chance that you are left with any issues, you can contact the team.
Nowadays digital system is booming, so it is smarter to exploit it in the correct manner. Online Forex exchange is not only the feasible way but also a cheap. You'll save money exchange charges and expenses. Buy Forex exchange is not a hassle anymore; you can do it in no time.
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Gift Card Scammers Target PIN Numbers - YouTube MIKE DESCRIBES MOST GRUESOME INJURIES EVER ENDURED - YouTube EXCHANGING & WITHDRAWING CASH WHEN TRAVELLING  BASICS OF ... My First Supercar Visit to India!! - YouTube 14 SIDE HUSTLE IDEAS for 2020 That You Can START ... - YouTube 10 Items to Bring to Haiti & Tips  Watch This Before ... Equity Bank's Visa Card Money Transfer

Lower Charges :-Forex mark up fees and charges do not apply in case of prepaid travel cards and makes it much cheaper when compared to international debit/credit cards , where the charges varies from 3% to 5%. There is absolutely no charges when travel cards are swiped at POS terminal abroad. ATM withdrawal charges applies in both credit card or forex card. However, we waive off first 3 ATM ... let you buy forex cards at exact interbank rates with 0 added margin. That literally means you exchange currency for free. Welcome to the forex revolution. Proactive Support. Quick, swift and proactive issue resolution. Get expedited and expert post-sale mediation with banks in case of any issue or delays. India's #1 Online Card Seller. Bookmyforex Is India's Largest And Most Trusted Online ... If you travel abroad often or have the intention to do that in near future, Forex cards are the best option if you’re traveling abroad. Millions of Indians still take cash instead of Forex card because they do not know what is forex card and its benefits. In this post we cover the top 5 things you need to know about forex cards in India. Forex cards are a safe solution to carrying around cash or incurring heavy charges when using a credit card or debit card while abroad. In order to suit the needs of every type of traveller, there are various types of forex cards offered. The Two Main Classifications Of The Types Of Forex Cards Available Are Mentioned Below: Forex Cards are convenient – Forex cards are extremely convenient and handy for trips abroad. They can store multiple currencies in them which would be useful when visiting more than one country while travelling. Also, Forex Cards are universally accepted and can be used in ATMs abroad or online transactions abroad. Having an international tour scheduled, looking for the Best Prepaid Travel Cards or Top Forex Cards? Let us take you on a joyful ride exploring some of the best prepaid cards for international travel. Your trip may be for business, academic or leisure purposes, you have a whole lot of choices. One gets excited and thrilled when thinking of travelling abroad and visiting new places and people ... Indus Multicurrency Forex Cards. Indus Multicurrency Forex Card offers a safe, easy, and cashless way to carry foreign currency on your travel abroad. They are widely accepted worldwide, protect you from foreign exchange fluctuations and are available in 14 currencies. They are safer than cash and easier to use than traveler's cheques. Our cards come with a assortment suite of features and are ... This forex card charges Rs.125 for issuance which is the lowest among all the forex cards in India. Even with the lower joining fees, this card offers you 10 currency wallets and lower cross-currency charges of 2.75%. Cross currency charges are second lowest after HDFC forex card. Besides, you don’t need to have a savings or a current account with the ICICI bank for purchasing ICICI forex ... However, if you are visiting just one country, it's better to load only a single currency. "The maximum amount which can be loaded is equivalent of $2.5 lakh per annum per individual for the purposes covered by the Liberalised Remittance Scheme (LRS) notified by RBI," informs Bhaktha. If you are planning on going on a holiday abroad this summer, here is what you should know about prepaid forex ... Sometimes forex cards come loaded with exclusive privileges such as special discounts, free international SIM Card, emergency cash assistance, etc. So, you see that a forex card proves the best way of spending money abroad. 7 Top Forex Cards in India. Now, we list out the 7 Best Forex Cards in India: 1. ICICI Bank Travel Card

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Gift Card Scammers Target PIN Numbers - YouTube

Hey friends! In this video, I talk about 14 ideas and examples of the easiest side hustles that you can start today with little money and/or no special train... Let's talk money in today's episode! In particular exchanging currencies and withdrawing cash abroad without the massive fees! It is a good idea to exchange ... Equity bank customers can now use their visa branded cards to send and receive money to and from visa card holders in Africa, Middle East and Asia. Kenya's largest commercial bank by customer base ... The Retail Gift Card Association says it now recommends retailers use packaging which "covers and protects magnetic strips and gift card PINs. Friendly Review of Haiti - In March 2018 I took a trip to Haiti as part of a group on a combined construction/medical missions trip where we also were a part... Video from Ep.181 From Heroin to Hollywood: The Story of Mike Majlak https://www.youtube.com/watch?v=ygUv6alvYtU Join The Movement. Be A Maverick https://m... This is my first visit to India thanks to Michelin Tyres (@michelin) & Mercedes AMG India (@mercedesbenzind)! I'm visiting Mumbai and Bangalore to meet you a...

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