Binary Option Pricing: The 4 Factors that Impact Your Trading

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Selling your Covered Call - Thoughts on How to Select Your Strike and Expiration

Congratulations! You are a bag holder of company XYZ which was thought to be the best penny stock ever. Instead of feeling sorry, you consider selling covered calls to help reduce your cost basis - and eventually get out of your bags with minimal loss or even a profit!
First - let's review the call option contract. The holder of the call option contract has the right but not the obligation to purchase 100 shares of XYZ at the strike price per share. This contract has an expiration date. We assume American style option contracts which means that the option can be exercised at any point prior to expiration. Thus, there are three parameters to the option contract - the strike price, the expiration date and the premium - which represents the price per share of the contract.
The holder of the call option contract is the person that buys the option. The writer of the contract is the seller. The buyer (or holder) pays the premium. The seller (or writer) collects the premium.
As an XYZ bag holder, the covered call may help. By writing a call contract against your XYZ shares, you can collect premium to reduce your investment cost in XYZ - reducing your average cost per share. For every 100 shares of XYZ, you can write 1 call contract. Notice that that by selling the contract, you do not control if the call is exercised - only the holder of the contract can exercise it.
There are several online descriptions about the covered call strategy. Here is an example that might be useful to review Covered Call Description
The general guidance is to select the call strike at the price in which you would be happy selling your shares. However, the context of most online resources on the covered call strategy assume that you either just purchased the shares at market value or your average cost is below the market price. In the case as a bag holder, your average cost is most likely over - if not significantly over - the current market price. This situation simply means that you have a little work to reduce your average before you are ready to have your bags called away. For example, you would not want to have your strike set at $2.50 when your average is above that value as this would guarantee a net loss. (However, if you are simply trying to rid your bags and your average is slightly above the strike, then you might consider it as the strike price).
One more abstract concept before getting to what you want to know. The following link shows the Profit/Loss Diagram for Covered Call Conceptually, the blue line shows the profit/loss value of your long stock position. The line crosses the x-axis at your average cost, i.e the break-even point for the long stock position. The green/red hockey stick is the profit (green) or loss (red) of the covered call position (100 long stock + 1 short call option). The profit has a maximum value at the strike price. This plateau is due to the fact that you only receive the agreed upon strike price per share when the call option is exercised. Below the strike, the profit decreases along the unit slope line until the value becomes negative. It is a misnomer to say that the covered call is at 'loss' since it is really the long stock that has decreased in value - but it is not loss (yet). Note that the break-even point marked in the plot is simply the reduced averaged cost from the collected premium selling the covered call.
As a bag holder, it will be a two-stage process: (1) reduce the average cost (2) get rid of bags.
Okay let's talk selecting strike and expiration. You must jointly select these two parameters. Far OTM strikes will collect less premium where the premium will increase as you move the strike closer to the share price. Shorter DTE will also collect less premium where the premium will increase as you increase the DTE.
It is easier to describe stage 2 "get rid of bags" first. Let us pretend that our hypothetical bag of 100 XYZ shares cost us $5.15/share. The current XYZ market price is $3/share - our hole is $2.15/share that we need to dig out. Finally, assume the following option chain (all hypothetical):
DTE Strike Premium Intrinsic Value Time Value
20 $2.5 $0.60 $0.50 $0.10
20 $5.0 $0.25 $0 $0.25
20 $7.5 $0.05 $0 $0.05
50 $2.5 $0.80 $0.50 $0.30
50 $5.0 $0.40 $0 $0.40
50 $7.5 $0.20 $0 $0.20
110 $2.5 $0.95 $0.50 $0.45
110 $5.0 $0.50 $0 $0.50
110 $7.5 $0.25 $0 $0.25
Purely made up the numbers, but the table illustrates the notional behavior of an option chain. The option value (premium) is the intrinsic value plus the time value. Only the $2.5 strike has intrinsic value since the share price is $3 (which is greater than $2.5). Notice that intrinsic value cannot be negative. The rest of the premium is the time value of the option which is essentially the monetary bet associated with the probability that the share price will exceed the strike at expiration.
According to the table, we could collect the most premium by selling the 110 DTE $2.5 call for $0.95. However, there is a couple problems with that option contract. We are sitting with bags at $5.15/share and receiving $0.95 will only reduce our average to $4.20/share. On expiration, if still above $2.5, then we are assigned, shares called away and we receive $2.50/share or a loss of $170 - not good.
Well, then how about the $5 strike at 110 DTE for $0.50? This reduces us to $4.65/share which is under the $5 strike so we would make a profit of $35! This is true - however 110 days is a long time to make $35. You might say that is fine you just want to get the bags gone don't care. Well maybe consider a shorter DTE - even the 20 DTE or 50 DTE would collect premium that reduces your average below $5. This would allow you to react to any stock movement that occurs in the near-term.
Consider person A sells the 110 DTE $5 call and person B sells the 50 DTE $5 call. Suppose that the XYZ stock increases to $4.95/share in 50 days then goes to $8 in the next 30 days then drops to $3 after another 30 days. This timeline goes 110 days and person A had to watch the price go up and fall back to the same spot with XYZ stock at $3/share. Granted the premium collected reduced the average but stilling hold the bags. Person B on the other hand has the call expire worthless when XYZ is at $4.95/share. A decision can be made - sell immediately, sell another $5 call or sell a $7.5 call. Suppose the $7.5 call is sold with 30 DTE collecting some premium, then - jackpot - the shares are called away when XYZ is trading at $8/share! Of course, no one can predict the future, but the shorter DTE enables more decision points.
The takeaway for the second step in the 2-stage approach is that you need to select your profit target to help guide your strike selection. In this example, are you happy with the XYZ shares called away at $5/share or do you want $7.5/share? What is your opinion on the stock price trajectory? When do you foresee decision points? This will help determine the strike/expiration that matches your thoughts. Note: studies have shown that actively managing your position results in better performance than simply waiting for expiration, so you can adjust the position if your assessment on the movement is incorrect.
Let's circle back to the first step "reduce the average cost". What if your average cost of your 100 shares of XYZ is $8/share? Clearly, all of the strikes in our example option chain above is "bad" to a certain extent since we would stand to lose a lot of money if the option contract is exercised. However, by describing the second step, we know the objective for this first step is to reduce our average such that we can profit from the strikes. How do we achieve this objective?
It is somewhat the same process as previously described, but you need to do your homework a little more diligently. What is your forecast on the stock movement? Since $7.5 is the closest strike to your average, when do you expect XYZ to rise from $3/share to $7.5/share? Without PR, you might say never. With some PR then maybe 50/50 chance - if so, then what is the outlook for PR? What do you think the chances of going to $5/share where you could collect more premium?
Suppose that a few XYZ bag holders (all with a $8/share cost) discuss there outlook of the XYZ stock price in the next 120 days:
Person 10 days 20 days 30 days 40 days 50 days 100 days 120 days
A $3 $3 $3 $3 $3 $4 $4
B $4 $4 $5 $6 $7 $12 $14
C $7 $7 $7 $7 $7 $7 $7
Person A does not seem to think much price movement will occur. This person might sell the $5 call with either 20 DTE or 50 DTE. Then upon expiration, sell another $5 call for another 20-50 DTE. Person A could keep repeating this until the average is reduced enough to move onto step-2. Of course, this approach is risky if the Person A price forecast is incorrect and the stock price goes up - which might result in assignment too soon.
Person B appears to be the most bullish of the group. This person might sell the $5 call with 20 DTE then upon expiration sell the $7.5 call. After expiration, Person B might decide to leave the shares uncovered because her homework says XYZ is going to explode and she wants to capture those gains!
Person C believes that there will be a step increase in 10 days maybe due to major PR event. This person will not have the chance to reduce the average in time to sell quickly, so first he sells a $7.5 call with 20 DTE to chip at the average. At expiration, Person C would continue to sell $7.5 calls until the average at the point where he can move onto the "get rid of bags" step.
In all causes, each person must form an opinion on the XYZ price movement. Of course, the prediction will be wrong at some level (otherwise they wouldn't be bag holders!).
The takeaway for the first step in the 2-stage approach is that you need to do your homework to better forecast the price movement to identify the correct strikes to bring down your average. The quality of the homework and the risk that you are willing to take will dedicate the speed at which you can reduce your average.
Note that if you are unfortunate to have an extremely high average per share, then you might need to consider doing the good old buy-more-shares-to-average-down. This will be the fastest way to reduce your average. If you cannot invest more money, then the approach above will still work, but it will require much more patience. Remember there is no free lunch!
Advanced note: there is another method to reduce your (high) average per share - selling cash secured puts. It is the "put version" of a cover call. Suppose that you sell a XYZ $2.5 put contract for $0.50 with 60 DTE. You collect $50 from the premium of the contract. This money is immediately in your bank and reduces your investment cost. But what did you sell? If XYZ is trading below $2.50, then you will be assigned 100 shares of XYZ at $2.50/share or $250. You own more shares, but at a price which will reduce your average further. Being cash secured, your brokerage will reserve $250 from your account when you sell the contract. In essence, you reduce your buying power by $250 and conditionally purchase the shares - you do not have them until assignment. If XYZ is greater than the strike at expiration, then your broker gives back $250 cash / buying power and you keep the premium.

Early assignment - one concern is the chance of early assignment. The American style option contract allows the holder the opportunity to exercise the contract at any time prior to expiration. Early assignment almost never occurs. There are special cases that typically deal with dividends but most penny stocks are not in the position to hand out dividends. Aside from that, the holder would be throwing away option time value by early exercise. It possibly can handle - probably won't - it actually would be a benefit when selling covered calls as you would receive your profit more quickly!


This post has probably gone too long! I will stop and let's discuss this matter. I will add follow-on material with some of the following topics which factors into this discussion:
Open to other suggestions. I'm sure there are some typos and unclear statements - I will edit as needed!
\I'm not a financial advisor. Simply helping to 'coach' people through the process. You are responsible for your decisions. Do not execute a trade that you do not understand. Ask questions if needed!**
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OBLIGATORY FILLER MATERIAL – Breaking Bad, Part 3

Continuing
“Hello and good day, gentlemen”, I say. “I am Doctor Rocknocker. You may and will refer to me as ‘Rock’. OK? None of this ‘Doctor’ or ‘Sir’ guff. We green here?”
There was a buzz of voices but no direct answers.
“OK. Let’s get a few things down right here and now.
(1.) Call me Rock.
(b.) Answer me loudly. I will need to hear you loud and clear. Best get used to that now.
(iii.) “We green?” means “Are we in agreement?” It’s a form of shorthand I use here and in the field.
(⍾.) “You diggin’ me, Beaumont? means you’ve really done gone and pissed me off; you’ve done something untoward. Pray you never hear that phrase, and,
(∞.) I’m the boss. The top dog. The hookin’ bull. The Maharaja here. I possess the first, final and only words you’re going to listen to for the next couple of weeks. What I say, goes. Any problem, please let me know now so we can replace you most quickly.”
A gentle buzz, but no replies.
“Gentlemen. Do we agree?” I ask.
“Yes, Rock.” Was the reply.
OK, there might be some form of a societal prohibition against making loud noises. That’s the first thing that has to go.
“Gentlemen, we will be working in the great outdoors where there are wind, rain, waves, and other environmental nonsense making all sorts of unrequited noise. We need clear and proper lines of communication. I need to hear you clearly and vice-versa. When speaking, you will speak slowly, clearly, and loudly. “
DO WE AGREE!?!” I yell, rather deafeningly.
“YES, ROCK!” came the eventual reply.
“Outstanding”. I ponder.
Continuing…
“Mr. Sanjay is my de facto second in command. If I’m out having a smoke, taking a piss, or having a snort, he’s in charge. Listen to him as if I suddenly lost 150 pounds, shaved my beard, and inexplicably become Indian.” I chuckled.
They seemed to enjoy that. I actually elicited a few chuckles.
“Mr. Sanjay will now distribute to you your locker boxes. You will wait until he hands you yours. Do not get up and mill around the room. We green?” I ask.
“Green! Doctor Rock.” Came the noisy reply.
“Progress. Marvelous.”, I reflect.
“I’ll be right back. Mr. Sanjay, the room is yours.” I note. I might need to cut back on the coffee.
I slope off to the loo and it’s just as horrible as you can imagine an outdoor communal shithouse in sunny India attended by 30,000 Indian gentlemen could be.
Fuck COVID-19. I’m thinking hot and cold running dysentery, dengue, and death here. Ick.
Glad I have a highly functioning immune system.
I retrieve a shiny aluminum Halliburton™ case from Headquarters and ease off to an unused office space to change.
I went from my usual field garb to full PPEs. It was quite a sight.
I’ll be telling you about it in mere moments. Contain the excitement.
I’m walking back to Outbuilding #2 and damned if my get-up didn’t elicit a few gasps, shielded guffaws, and a salute or two. I have to admit, to the uninitiated, I was a sight right out of Area 52, the more secret one, west by northeast of Roswell, New Mexico.
I get back to the outbuilding and enter. Everyone was looking through their locker boxes, chuckling about their good fortune and wondering with Joker-like glee what the hell all these wonderful gizmos were and where did I get them? They all stopped dead in their tracks when I walked in.
Their silence was palpable.
“Gentlemen”, I said, “Here’s how you are going to look at work tomorrow. Revel in its utility, comfort, and extreme fashion sense.” I did a quick spin like I used to on the runway.
At O’Hare when we were doing field geostatic tests. Whatever were you thinking?
Anyways…
I was wearing a pair of size 66-XTall NFPA 70E blaze orange Carhartt Nomex coveralls. I had on a Dax carbon-fiber blaze orange “Coal Scuttle” hardhat with swing-away hearing protection keyed into your personal communications module, and a gold-anodized, pull-down full face shield. The helmet was designed to drain away falling water down over one’s back and not down one’s neck.
I had a pair of ‘wet’ gloves under the snap retainer on my left shoulder, a pair of ‘dry’ gloves on my right. I was wearing an orange CMC Safety 9-point safety and rescue harness, good to well over 1,500 pounds. Over both shoulders, around the crotch, up the front, and around the back, X-style. This popular harness features multiple D-ring attachment points and the patented JackBack removable padding with breathable D-3 cloth, which keeps shoulder straps separated and makes donning and doffing a breeze. It had several catch-points where one could easily and readily attach to the snap carabiners and get bodily dragged out of a nasty situation by rope or chain. The front waist D-ring allows a comfortable, stable sitting position for rappels and the sternum D-ring works well for helicopter or crane-assist hoists. Gear loops offer easy access to equipment, and quick-connect-disconnect shoulder straps and leg loops make the harness quick to don or doff. It could be used for impromptu spelunking on days off.
I had on Size 16 EEE Gear Box 8088 Men's 8 inch Black Leather intrinsically-safe hard-toed lace-up black turned-heel leather work boots with the new self-cleaning, oil-and chemical resistant Vibram soles.
They couldn’t see, but I was also wearing a cotton-Nomex blend wifebeater and boxers as well. Nomex tends to chafe. Best be safe.
I had a powerful Maglite flashlight clipped to my rescue harness, as well as my mini Air Horn; a blaster’s must. I also had a mobile VHF-Commslink™ radio in a pocket on the back of my coveralls on the left shoulder. I had the microphone for it Velcro-ed to my rescue harness within easy reach. Very cop like. Very cool. Very necessary.
I had a traditional Zippo and Bic Butane lighters in my right-hand chest pocket and a brace of cigars, though these were optional, in my left pocket. I carried a bespoke constructed Swiss Army Knife on a lanyard in my right front pocket and had a custom Bears Paw Leatherman hanging on the left of my rescue harness.
Also clipped to the harness was a Silva orienteering compass. There was a selection of NASA write anywhere pens, Sharpies, and oil-writing chalk pencils in my other front pockets. I had an oil industry tally book in my other front pocket.
Why blaze orange? Well, Red Adair already co-opted bright red, and fluorescent green wasn’t available in my size.
So, we’re now ready to plant explosives in West India or go deer hunting in the Northwoods of Baja Canada.
“Questions, Gentlemen?” I asked.
I explained that in their locker boxes were purchase orders, POs, for every bit of kit I was wearing. They were to take these POs to the Company Store and get, well, kitted out in their own sizes and preferences. I wanted to see everyone back here tomorrow at 1300 hours looking as I do now. Well, maybe skip the cigar and be not quite so large.
I sat down on the table in front of the crowd and had Sanjay bring over the demo locker box.
“OK, gents,” I said, “This locker box is yours and is numbered as such. They will be stored here in Outbuilding #2. Each of you will receive a key for this building as it is now your headquarters. We’ll get back to locker boxes in a minute. Anyone need a break for a few minutes?” I asked.
No one dared answer at this magical juncture in the narrative.
“Well, I do”, I said, “Meet back here in twenty minutes. Sanjay?”
The class wandered out and I conversed with Sanjay. We found the maps I had ordered.
They were an aerial view of the breaking yard and it was split into 6 zones, all a different color. There was one master for the wall and 28 copies for the guys. I also had a log-in/log-out board made. Vertically numbered 1 to 28. There were also 7 vertical bars labeled Zone 1 through Zone 6, and one for ‘in dispose’; i.e., in Latrin-e Land. This was so I’d know where my guys were at all times.
There was a hook for each one of these areas to log in, and to let anyone know where a certain person was during the day or night. You’re number 10? And you’re going to be wielding a torch over in Zone 5? Your brass tag goes right there. You’re going to skip over to Zone 3? Get your ass back here and swap it over to where you’re going. There is no excuse for being where you haven’t said you were, short of active accident or dismemberment.
Everyone shuffles back in and I explain the tote board.
“Notice there’s no spot to leave your brass chit if you’ve gone off the reservation?” I asked. “Why do you suppose that is?”
Confused looks all around.
“Because you keep that brass token with you when you’re not on the job. Lose it, lose your job. Sounds harsh, but so is getting your fucking hands blown off. Think of it as an exercise in discipline.”
There was a very little rebuttal.
“When you are on location, your brass token will reflect where you are. You are off-site, put the brass token in your wallet next to your lucky ‘circular impression’.
There were several knowing grins in my cadets.
Wear it around your neck on a chain. Keep it on your keyring. You can wrap it up in ribbons, you can slip it in your sock; I don’t care. Thing is, it is your ticket to this job. Hold on to it, there will be no replacements. We green?”
“Green, Doctor!”
“Outstanding.”
“Now, locker boxes. Gentlemen”, I continued. “These are your personal boxes that will be archived here. They will contain everything that you will need to carry out the job initially and help you with training the next crew that comes through after I leave. Keep them neat and tidy. I like to pull unannounced locker box inspections, gentlemen. Be forewarned.”
The sound of active scribbling is music to my tinny ears.
“Now, as such”, I continue, “Each locker box, at this point, is identical. Please follow along with me as we do inventory: Each gets locker box will contain (as I pull out the item for identification):
• 1- set Purchase Orders (POs) for PPEs
• 1- Galvanometer
• 2- Blaster’s pliers
• 1- Custom Leatherman
• 1- Metal clipboard
• Various Pens, pencils, paper, etc.
• 5- Sharpies
• 1 copy: Blasters Protocols Handbook, 15th Edition
• 1 copy: Blasting and explosives safety training manual by the IEE.
• 1 copy: Theory and practice of blasting, by Hino (A classic)
• 1 copy: Blasters Handbook, 17th Edition
• Various Explosives catalogs
• 1- Custom Swiss Army Knife
• Several Butane lighters
“Are we in agreement, gentlemen?” I ask. “Please check to be certain you have what the manifest states.”
“As long as we’re going over locker boxes, let’s look at our set of PPE purchase orders. Each locker box will contain POs for:
• 1 pair Orange Nomex coveralls, in your size
• 1 Dax carbon-fibre blaze orange hardhat with ear protection, gold face shield
• 1- CMC Safety 9-point extraction harness with carabiners
• 2- pairs Safety Glasses
• 2- pairs of gloves –wet & dry
• 1- pair Gear Box 8088 hard-toed intrinsically safe 8” work boots
• 1- Silva Orienteering Compass
• 3- pairs of cotton WaterWick socks
• 1- CommsLink™ VHF radio with microphone
• 1- Maglight power flashlight
• 1- Rain suit – also Nomex, bibs and outer shell
• 1- Mini Air Horn Power Tootler
• 1- Pair cotton/Nomex blende underwear – anti-chafe, wifebeateboxer: 3 sets.
• 1- 16-ounce container ‘Babies Bottom’ Talcum powder. Nomex chafes.
“Well, that’s a lot of gear; you best become real familiar with it as soon as you can. You are responsible for your PPEs. Lose them and replace them at your own cost. Wear them out? No problem. We will replace them. Get caught on location without your proper PPEs? Alavida. Goodbye. There is no second try. Fuck up once, and you’re gone. I am here for a limited time to try and teach you characters how to blast boats. I am not here to be your wet-nurse or mother. We green?” I ask.
“YES! Green! Rock!”
“Outstanding!”
We spend about an hour going over the various contents of the locker boxes and I answer general questions about blasting and explosives.
“We will use Primacord by the mile and tons of C-4 primarily. I might introduce you to binary explosives if there’s time. We might also get into PETN and RDX. Dynamite for training. But that’s about it.”
“We will use demolition wire and electrically fired blasting caps and boosters. We might have some time to look at set-pull-forget mechanicochemical fuses. But you’ll all learn some basic electrical wiring and how to design a circuit.”
“Tomorrow, given it doesn’t rain and the creek don’t rise.”
“Time, gentlemen!” I said. It’s been a long day and I’m a bit jet-lagged knackered. Besides, I wanted to give that Jacuzzi a spin.
“OK, remember: get your PPEs tomorrow morning at the Company Store. I expect to see each and every one of you here tomorrow, kitted out and ready to go, at 1300 sharp. That’s it. See you tomorrow. Susandhya. [Good evening.]” I said.
Locker boxes are locked and stowed in an orderly fashion. Each and everyone one of my 24 acolytes come to me before he leaves work to thank me personally and shake my hand.
“This might just work out”, I say to no one in particular.
Sanjay and I head back to the Raj for the night. I’m really tired, finally feeling the jet travel hit, and not the least bit hungry.
However, I do ring up the 214 cigar dude and relieve him of a selection of fine smokes. I drop by the bar for a couple of barley-pops before I retire to my capacious room for the night.
“Sanjay”, I say, “I’m knackered. If anyone wants me, head them off until tomorrow. It can wait. I’m going to get some kip and don’t want to be disturbed. No maids, no Majordomo, no butler. I just want to get unconscious for a while.”
“No problem, Rock”, Sanjay assures me, “I’ll tell them you’ve gone bush and haven’t left a forwarding address.”
“Good man”, I say, patting him on the shoulder. Hell, I must be getting old. Shit like teaching a band of newbies and whooping a little ass would have never as much as caused me a short breath. Then again, it’s probably not the years, it’s really the mileage…
After a quick light breakfast come morning, Sanjay and I are back on location. I’m being given a tour of the place by the day-shift foreman, one Mr. Vikramaditya Shrivastava.
“Yikes”, I say to Sanjay, “You characters really go for your 11-syllable names.”
“Call him ‘Vik’, Rock”, Sanjay smiles, “Good thing you’ve never asked about my last name.”
“Probably is”, I snicker back. I’m not getting roped into this little tussle.
Vik speaks fairly passable English, but I’m still glad Sanjay is here. The first order of business is to see the explosives bunker I sent plans for and how that’s coming along. They tell me it’s almost finished and ready to be stocked with what I’ve ordered.
“Outstanding, let’s have a look,” I say.
Into the Citation Golf Cart, we go. None of this plebian walking shit. We’re MIPs, Monstrously Important People.
Plebes walk, we ride.
We drive around the piles of rusty scrap, huge hunks of bulkhead, and disconcertingly quickly through polychromatic puddles of who-knows-what to slide to a stop in front of a large canvas tent.
Think M *A *S *H-type mess tent.
“What’s this?” I ask, “Commissary? First Aid?”
“No, Dr. Rock”, Vik explains, “Here are your explosives.”
My eyes grow large.
“What do you mean?” I ask. What the fuck do you mean? I mean.
“Building of your bunker is taking more time than we expected what with your design imperatives. But your order was filled most expediently. We are storing it here until the bunker is complete.” He smiles in that inimitable Indian manner that is so irritating when they don’t realize the major fuck-up they’ve just committed.
“OK. Simmer down, Rock.” I say to myself. “Sanjay, ask him again what’s in that tent. That bottomless tent that’s just a sheet of tarpaulin held up by metal poles.”
“He says that’s your explosives order, Rock,” Sanjay says. His demeanor went from perky and helpful to terrified as he saw me turn several shades of crimson and begin to emit wisps of steam.
“Sanjay”, I said in calm, calculated terms. “You are telling me there are over 9 tons of high explosives, blasting caps, boosters, demo wire, and ANFO sitting on wet sand in this heat under a sheet of fucking tarpaulin?”
“Yes?” he stammered, with a squeak.
“OK.”, I said. “We need to keep very calm and not go completely apeshit; and I’m telling you, right now, that’s taking Augean-level effort. We have a situation here, Mr. Sanjay. A very, very dangerous and very deadly situation. Let’s above all, remain calm.”
“Right, Rock”, he replies.
I turn to Vik and say in a calm and collected tone, “YOU STUPID MOTHERFUCKER! WHAT HAVE YOU DONE?
“Calm and collected, right, Rock?” Sanjay smirks and Mr. Vik withers under my verbal assault.
“Sorry, I had to get that one out.”, I apologized, “Mr. Vik. You have created a real blockbuster here. Quite literally. I figured, erroneously it seems, that you would not take delivery of over 9 TONS of high explosives before you had a very safe and secure place to store such.”
“It arrived sooner than we thought. We got a good price on it,” he explained.
You did? Fucking great! Holy mothering fuck!
Now I was even more worried. One does not get discounts or bargain-basement deals on quality high explosives.
“Pray, Mr. Vik”, I entreated, “From where did you source these detonic components?”
“From Best Blast and Supply Llc of Hong Kong Enterprises.” He replied, “Bulk discount quantities, quick delivery bonus. Saved crore rupee.”
No. I was wrong, it could get worse.
Not only 9 tons of high explosives, 9 tons of counterfeit, knock-off, and non-regulated manufacturer explosives.
“OK”, I said, “Let’s take stock here. My bunker isn’t finished yet? Correct? So you and the company meatheads ordered 9 tons of knock-off explosives from some shady and cheesy Chinese dealer and you stored them on wet beach sand, in this heat, under a tarp? Have I got all that right?”
“Oh, yes Doctor Rock.”, he smiled.
“Sanjay”, I said in a low, firm tone, “We have a…situation. We need to cordon this area off and build an exclusion zone as far as we can around it. No one, and I mean no one, gets within what, 10 kilometers? of the tent. This thing goes off, it’s going to leave a much larger than that cone of devastation. Then we need to visit with the management of this place and have a few thousand well-chosen four-letter words. Then I can think about what the fuck we’re going to do about this situation. I’m struggling to remain calm so everyone else will, but this is just a wee bit tetchy. Find me some red flags and start planting them around the tent, working our way out. Let’s go. Calmly, collectively, and with purpose.”
We find a source of 2-meter poles with red pennants. Sanjay also finds a few miles of yellow “Danger: Stay The Fuck Away” tape. We gather then and head back to the tent. We start to spiral out from it planting flags and running tape.
We did the best we could, but we were disrupting daily business activities. Good. Let the head idiots in charge know they’ve fucked up and grandly.
Back at headquarters, I’m fuming. I’m damn mad. I’m loud and being all extremely American about all this.
“You fucking idiots! 9 tons of cheap-shit high explosives? From China? Stored on wet sand in this heat? Under a benchod tarp? Why the flying fuck do you think I sent such detailed plans for a storage bunker? Do you assholes even think?” I railed on like this for at least half an hour, going all Gene Wilder in ‘Young Frankenstein’.
“Yes, Doctor”, one Mr. Karam Kanungo, the local boss and company president said, “That is all true and steps will be taken to redress the situation. But that doesn’t address the issue at hand. What do you suggest?”
“I suggest you are all taken out and given hot coffee high colonics to clear out your thinking processes”, I spit, “But that still leaves us with a nine-ton headache out there waiting to bloom into something even more aggravating.”
The entire assembled board agreed.
I calm down a bit and have a think. Fuck your boardroom, I’m having a cigar.
“You need a licensed, certified, master blaster to go and sort that out. Do you happen to have one handy?” I asked, sweeter than clover honey.
“Ah, yes, you are…oh.”, was the collective realization.
“Yeah, I know. It’s me. I’m the only one that can sort this shit out. We can’t even wait until we find someone from the world to assist. We are sitting on a literal time bomb, gentlemen.” I reply.
They all agreed and were relieved I was going to take on the challenge.
What else could I do? That stuff lights off and we’re talking easily hundreds if not thousands of fatalities and countless injuries. Fuck that. Not on my watch.
I tells ya’ what. The fucking Karma Fairy better shower me with gifts and accolades, blowjobs and candy corn after all this.
In a metaphorical sense, of course.
“OK, Mr. Sanjay, you’re with me.” I say, “Now look, Herr Macs”, I address the collective board, “Before I had carte blanche. Now, if I even think we might need something, it appears. We’ll sort out our honoraria and bonuses for this after we get back.”
Everyone present agreed most hastily. Handshakes all around and apologies from the board cemented the issue.
“OK, Sanjay. I need a bus. At least 24-seater. With a driver than knows how, when, and where to stop. OK?” I ask.
“24, Rock?”, Sanjay asks, “You’re not thinking of including the recruits now, are you?”
“Yes I am, Mr. Sanjay.”, I replied sternly, “On the job training. Meet me at outbuilding #2 at 1300 as per plan. Order a bus and arrange the largest forklift that can manage beach sand, about 100 wooden pallets, plastic wrap, and sandbags. Lots and lots of sandbags. Have them stockpiled away from the tent in a muster area. OK. You got all that?”
“Yes, Rock”, he said, “I’ll be there in a couple of hours. It will only take a few phone calls.”
“Marvelous.”
Not even 1000 in the fucking morning and I’m facing life and death decisions once again. I dig an emergency flask out of my field vest. If this doesn’t qualify as an emergency, what the fuck does?
A tot or two later, I change into my PPEs, and light a cigar. I catch a tap-tap to the region of the tent. I need to reconnoiter the area and figure out what sort of dragon I have to slay and the best way of going about slaughtering the sumbitch.
I’m standing alone, about 250 meters from the tent of death.
I’m puzzling and puzzling; but I can’t allow for my puzzler to go sore. Not this early, anyway.
“OK, me ol’ mucker”, I sigh, “It’s me or thee. Pucker up, Buckwheat. Here I come.”
A blast suit like the ones bomb disposal dudes wear wouldn’t help in the least. All it would do is hold the mashed body parts together to make for easier disposal. I’m anywhere within a kilometer or so of this pile of Chinese counterfeit boom-makers and it decides to let go; I’m lunchmeat. That’s it. Alive one second; kerpow, splat, instantaneously zonked into component particles the next. That’s the long and short of it. No ‘thank you’s. No ‘good bye’s. Just existing here one minute and in an alternate dimension the next.
Doesn't that just take the biscuit? Funny old thing, life.
I trod onwards.
For a moment, nothing happened. Then, after a second or so, nothing continued to happen.
I was walking up to the tent, clearing a path for the forklift. No fucking way I’m schlepping nine tons of dodgy explosives out of here, over wet beach sand, by hand and hoof.
Sand. I’m with young Anakin on this one. I hate sand. I hate walking in dry sand, hiking in wet sand. It makes for a wonderful oil reservoir and I love its porosity and permeability at depth. But at the surface, forget it. Yow! Let me tell you about the time I was out in the Rub al-Khali desert. The great Sand Erg. Wind blowing a force 9 gale! Seif dunes 1,000 meters high…
Yeah. I know. I’m stalling.
I’m approaching the tent. Carefully. I pause to light a new cigar. You might think that daft, but it’s really not. None of the stuff inside is heat-sensitive; let me clarify. None of the stuff is going to go off if hit by errant ash or even a sustained flame. But sitting out in the 30C+ heat? OK, that makes it twitchier. Cigars do the opposite for me. Give me something to concentrate upon and it calms me down.
I need calm now. By the bucketful. Where’s a monsoon when you really need one?
OK, I made it. I’m at the tent. Got to hand it to the workers around here, they respect authority and don’t come anywhere near the tent. They also don’t apparently give a shit as there no crowd gathered filming me with their iPhones to post to You Tube© if the tent decides to go all detonic.
Good. I couldn’t yell anything at them they’d understand to clear out anyway.
I open the hole in the side of the tent and pause. I’m hit with a wave of hot air. And the heady redolence of onions, sewer gas, and dog farts.
Sorry, that’s just me. Weird midnight snack last night. Frozen durian. What a treat.
Anyways.
I smell kerosene. Old wood pulp, like musty magazines. And an undercurrent of almonds.
“Oh, treble fuck me,” I say to no one within 100 square kilometers.
Kerosene is sweaty C-4. Old wood pulp is dynamite. Almonds? My old friend, nitroglycerine.
Things, if possible, went from real to super-uber major-league holy-fuck real.
“OK”, I say, as I dig out my phone and begin to snap pictures at a frantic rate.
Luckily, all the ordnance was piled like-with-like. Blasting caps? All over here. C-4, all along this ‘wall’. Dynamite? All over here. Non-explosives? Right over here.
I was mentally running like a squadron of overclocked Crays, wondering what I need to do to sort out this little situation. I’m so deep in thought, someone would need to throw me a rope to get my attention.
Or, just tap me on the shoulder.
Once I returned from low earth orbit, I turn to see a little wisp of an Indian feller, who had to be at least 27 years Methuselah’s senior.
“What? THE? Actual? Fuck? Are? You? DOING? Here?” I screamed.
“A thousand pardons, Sahib.”, the ancient one said, “I saw you working alone. Salim wonders if you need some help? Salim is good helper. Salim will help you good.”
“Yes, Salim. Oh, hello by the way.”, I said, calming a bit, forcing myself to smile so I didn’t kill him on the spot, “I do need your help. I need you to go, very slowly, out of this tent and to where the flags begin. Stand there and allow access to no one. OK. We green?”
Salim smiles broadly revealing both teeth. I slowly usher him out and remind myself to order a few new pairs of boxers before the day is out.
Back to the problem at hand. There are some salvageable items here. But the most the C-4, all the dynamite and every sack of ANFO has to go. And by ‘go’, I mean be disposed of. How?
By blowing it up, how else?
An idea creeps into my skull. I puff and puff while it grows and finally, I’ve a plan of attack.
I close the tent and slowly walk away. I hand Salim 1000 rupees and tell him that no one, I don’t care if it was Mahatma Gandhi reincarnate, goes anywhere near that tent.
“You savvy?” I ask.
“Oh, Sahib! I savvy! Thank you! Salaam! I savvy!” he is beside himself with joy, 13 bucks, and a task.
I look at my watch. It’s just gone noon. Good. I need a sandwich, some fluid replacement, as I’ve probably literally sweated off 5 kilos in the last hour and a half, and some time to jot down my plans.
I catch a tap-tap, geez, these things are everywhere around here. They form an unsanctioned, but necessary, sort of intradepartmental transport system here. I tip a couple of hundred rupees for every trip. They see blaze orange and they have this Pavlovian reaction. I sometimes need to break up fist-fights over which driver arrived first.
“Commissary”, I say, sit down, let the tap-tap, which is really nothing more than a glorified golf cart, adjust to my Western bulk and away we zip.
Salim is waving to me as we depart.
I shudder to think if I hadn’t had a tot or two and was a bit jumpier from the morning’s caffeine. Here's to alcohol: the cause of, and solution to, all of life's problems.
At the commissary, I grab a tall iced, fruit cocktail juice; a slurry of mixed dragon fruit, kiwi, carambola, blood orange, green apple, watermelon, bitter melon, sweet melon, & bailan melon fruity essence. I’m incredibly thirsty and I need some calories, but not in bulk and not from onion bhajis, mutton kabobs, or something claiming to be grilled chicken on a stick.
The last thing I need today is a case of the trots or even sharp gas pains in the next few hours. I add about 5 fingers of Old Fornicator Vodka to the juice and sip it slowly as my biometric rhythms return from the ionosphere and back to more normal levels.
Remember, I’m EtOh-based. I need to control my various fluid levels very carefully.
The blasting muse is upon me. In less than 30 minutes, I have a plan. Both a written out procedure and a map of what needs to be done.
I finish off another tall, icy glass of potato and various fruit juices, venture outside feeling almost like I’ve once again regained the illusion of control of the situation and my life.
I fire up a heater and decide to walk the approximately 1100 meters to outbuilding #2. I’m thinking as I sashay along; figuring this and calculating that.
I round the corner and see Outbuilding #2 and a bus parked next to it.
The bus looks like a refugee from Sgt. Pepper’s Lonely Hearts Club Band. The movie and album.
I go into Outbuilding #2 and see about half the class has arrived, and they are all kitted out in their new, stiff, and scratchy PPEs.
I nod hello to all and see Sanjay over across the room.
“Mr. Sanjay”, I say, “Nice bus. What’s the story?”
“Only one I could find that was a 24 seater, not actively falling apart, and with an English speaking driver. Rock. Mr. Maha, owneoperator.” He replied.
“Mr. Maha”, I said, shaking his hand. “Love the bus. Some sort of passion project?”
Mr. Maha laughs. “I was city bus driver for 39 years. I retire and go nuts. I buy old bus and fix up mechanicals. Runs all like excellently. Looks like dung heap. I begin to paint and never quite knew when to stop.”
“I like it. Adds a sense of surrealism to the day, as if it really needs more.” I reply, “However, I do hope you know how to stop. I mean that sincerely. We have a literal bomb to defuse. Does that bother you?”
“No, Doctor”, he says, “Nothing much bothers me anymore. I know. You are here. You are to make safe. I feel safe that you’re here. Let us go to work.”
“Outstanding”. I say.
I tell him that a fat bonus will be his when this is all over if all goes to plan.
“Unnecessary.”, he replies, “Mr. Sanjay has already paid me.”
“Paid? Perhaps”, I reply, “You are going to get danger money whether you like it or not.”
“I guess I will like it, Doctor.” He smiles.
“Marvelous.”
I look at the clock, it’s 1256. Almost showtime.
1300 on the spot. I pick up the microphone and address the assembled 24.
“Gentlemen”, I say, “Very good. You all look like late October in the United States. Very festive.” as all are kitted out in their respective PPEs.
“We have a little matter to handle. One that has just cropped up and one you’re certainly not ready for, but I have no other choice. Does that bother anyone here?” I ask.
Head shakes and questions arise.
“OK, class”, I say, “For your first training exercise, we’re going to defuse a 9-ton bomb. Let’s go.”
The collective gasp drew my cigar smoke in another direction, right towards them.
“Doctor…Ah, Rock. Really?” one brave soul asked for the crowd.
“Yes”, I said, “seems your company officials got a ‘real deal’ on some dodgy Chinese explosives. They didn’t wait until they finished the storage bunker I had designed, so they simply set the stuff on the beach and covered it with a canvas tent.”
There were more gasps.
“Indeed”, I said, “We need to neutralize this threat. Sanjay is passing out copies of my plan and designs on just how to do this. Read them over and let me know what you think. You have 5 minutes. We’re out of here at 1330 on the nose.”
They read quickly, cogitated over the plans and as I had assumed, didn’t find any flaws within.
“OK”, I say after an inch of cigar had passed, “You follow my directions, directly and without question, there’s no reason you can’t come out of this alive and happy, free to pursue a life of religious fulfillment.”
There was a chuckle or two at that last line. ‘Airplane’ is such a classic movie.
“Now I know”, I continued, “That this is pretty scary shit. Especially for you guys, being tossed in the deep end like this. I know because I’m scared to death.”
“Oh, Doctor Rock”, one of my acolytes said, “We do not believe this is so.”
“I stay alive by being scared to death”, I replied. “You will learn this as well.”
Sanjay checks out everyone’s PPE and all appear in good order. They are happy to have such nice, new equipment.
And that’s a problem. People used to ragged and ratty shit with which to work will go to extraordinary lengths to not filthy-up brand new working gear. This is one little bugaboo I’m going to settle here and now.
“One thing, gentlemen”, I note, “You all have nice, clean, and new PPEs. You look great. You come back to Outbuilding #2 looking as pristine, you’re gone. Keeping clean is not a part of your training. You’re going to sweat and stink. You keep to clean and it tells me you’re goldbricking, that is, not doing your job.” I say as I surreptitiously unscrew the top of my travel mug, ‘accidentally’ trip and shower the front row with Greenland coffee, lukewarm.
“See?”, I saw, “They were totally protected. That’s what PPEs are all about. We green?”
“Somewhat brown, Rock”, a couple of the guys in the front row reply without a hint of irony.
“Outstanding.”
“Gentlemen, it is time. Take what you think you’ll need and leave the rest in your locker box. Brass tags to Sector 4. On the bus, we leave in 5 minutes.”
I move my brass marker to Zone 4, puff a blue cloud for all to see, and head out to the bus.
We’re loaded and headed to Sector 4 in less than 5 minutes.
“OK”, I say”, I’m going to break you up into groups of 4. Tags number 1 to 4, you’re group 1. 5-8, group 2, and so on. OK?”
All respond in the affirmative.
OK. Six groups of four, Sanjay and me to lead the pack. We roll up to just outside the exclusion zone. With a squeal of brakes, we grind to a halt.
“Outside”, I command, “Assemble in your groups next to the bus. Go!”.
Like a well-oiled team, they de-bus and stand together in 6 groups. Sanjay and I walk along, inspecting the troops.
“OK”, I say, “This may seem like a shit job, but group 4. Back on the bus. To the commissary. Water, juice, and whatever else you think we’ll need to stay hydrated out there. Don’t worry, we’re going on rotation once you get back. You’ll all get a chance to do the exciting stuff. Now, move it.”
I say something to Sanjay, he jots it down in his book, certain to remind me later.
“OK, let’s see. Group 1. Storage detail. Build the temporary in-ground storage locker like it’s shown in the plan. Get help and have them source the manpower and materials. It needs to be done in the next 2 hours. Go!”
There are some explosives that can be salvaged. I need a place to store them. I’ve scouted and laid out a spot away from prying eyes where they can build an 8x8x8 hole in the ground, line it with marine plywood, and store whatever we can salvage. A plywood roof over the thing, a couple of locks, and well, Robert’s your Mother’s Sister’s Husband.
Next, I send group 3 to build a road from the tent to an area on the beach sourced as Disposal Area #1. They will take flags and tape and run a road, of sorts, from the tent to the beach; cordoning it off so we can take the forklift and its loads of dodgy high explosives to the disposal area.
The other groups are doing needful and necessary things as well. I tell Sanjay to keep a lid on things, I’m going to bring the forklift, a few pallets, sandbags and such in for the first run.
I find the forklift, and it’s a huge old Hyster 52-ton truck.
It’ll do.
The keys are in, so I drop in and fire it up. It catches on the first twirl and I pick up a half-dozen wooden pallets, a bunch of sandbags, and a few huge rolls of plastic wrapping. It’s like driving a tank, but it has plenty of power and just a low gear range.
I drive it back to Sector 4 and almost rum over Salim. He was taking my previous orders very seriously, indeed.
“All cool, Salim”, I say over the roar of the forklift, “It’s just me.”
He waves and lets me pass. He’s serious as a heart attack about keeping people out.
I drive and realize that I can’t drive ‘gingerly’ in a conveyance such as this. I can drive deliberately and with forethought, but it rumbles and shudders the ground. Best to slide in, drop the load, and shut her down while I figure out what’s next.
I do so and drop the pallets, etc., just outside the flap of the tent. I back off a few feet, drop the forks, and shut the noisy machine down for the time being.
Sanjay appears. As does Crew #5. I motion them to come over, slowly and with forethought.
We’re all standing outside the tent flap. I raise an index finger, right, of course, to get their attention.
“Gentlemen, first lesson. What says these explosives have gone bad? Answer:” and I open the tent flap.
“Take a whiff. What do you smell?” I instruct.
“Old paper?” was one answer.
“Oil? Petrol? Something petrochemical?” was the next.
“Almonds?” Sanjay says.
“Highest marks. We’ve old C-4. It sweats and smells like kerosene. Old paper or pulp? Dynamite gone wet and bad. Almonds? Bitter, bitter almonds? Nitroglycerine. Yes, guys. We’ve got rogue nitro inside. Anyone want to quit? Now’s your chance.” I ask, being deadly serious.
One looks to another; then they all look to me…eyes wide…
To be continued…
submitted by Rocknocker to Rocknocker [link] [comments]

My setup for your inspiration

And general thoughts and suggestions obviously. I've been enjoying this type of post for a while on here so I thought it's time to give something back! Here's my setup!
Views
Overview
The things I need when I open the app. Includes lights (although many have been automated), weather (RIP DarkSky) and indoor temp/humidity. Media players will also show up when playing something using conditional cards.
Living room
Currently the most important view ;-) Nothing special here. A few upcoming-media-cards for Plex, Sonarr and Radarr. And yes one light is missing because my two year old keeps turning of the physical switch. Need to reroute the cable or remove the switch at some point. The image at the top turns grayscale when the room is unoccupied.
Kid's room
Includes a camera (a hacked Xiaomi), control for his radio (RIP Chromecast Audio) and lights, and a few options for "automated naps". Basically starts playing some white noise and turns on the lights slowly when it's over.
Office
More of the same. Includes control for a fan I "hacked" using a Sonoff and Esphome (basically replaced two switches with the relays). Shows me my phone's battery life.
Pie view
What used to be a bunch of Raspberry Pies has now been replaced by a more powerful server. I still call this the Pie view though. Shows me my speed test, Transmission and Pihole stats, and info on my Unraid disks (using glances).
Settings view
Just some options to start/stop containers, restart Esphome devices, and Zigbee2mqtt control.
Hardware
Server
Built my own server using consumer hardware. Running on a Ryzen 5 with 32GB of RAM. Using Proxmox with two VMs, one for docker (which contains HA) and one for OpenVPN and Pihole (gave up on the docker configuration for those two).
Lights and switches
Using exclusively Zigbee products (and a few ESPHome DIY projects) for lighting and switches/sensors. Started off with a Hue hub and a few bulbs. Replaced the hub with Zigbee2mqtt. Now have a few IKEA bulbs, LED controllers from Gledopto and sensors from Xiaomi.
The Gledopto switches still are a bit buggy in use with Zigbee2mqtt but in theory would be brilliant.
Other
Nvidia Shield because the girlfriend doesn't like controlling the TV using just a phone. That wee device is brilliant though. Also use it as an emulation machine. An old-ish Samsung TV. A few Chromecast devices.
The Xiaomi cubes are well wicked for controlling multiple devices and dimming lights.
Setup
I have a binary_sensor for each room in the flat. Information from the sensors is fed into those. That way I can add further sensors easily without having to edit all my nodes. Here's an example from my shower. The light stays on if motion is detected or the humidity is above 60%, indicating that someone is taking a shower:
platform: template sensors: shower_occupancy: friendly_name: "Shower occupancy" device_class: occupancy delay_off: minutes: 3 entity_id: binary_sensor.shower_motion value_template: >- {{ is_state('binary_sensor.shower_motion', 'on') or ( states('sensor.shower_humidity') | float > 60 ) }} 
The living room is controlled by the TV. I have also set the lights to dim when something is playing and get brighter when paused.
Tasker and NFC
I have set up Tasker according to this guide in the community. I have a bunch of NFC stickers which have been placed into individual rooms. When I touch one of those stickers Tasker sets an input_select.me_room to that room. The binary_sensor for that room is then set to on (I explained that one badly, here's the code):
platform: template sensors: office_occupancy: friendly_name: "Office occupancy" device_class: occupancy delay_off: minutes: 5 entity_id: input_select.liam_room, binary_sensor.office_window_motion, binary_sensor.office_motion value_template: >- {{ is_state('input_select.liam_room', 'Office') or is_state('input_select.liam_room', 'Office Desk') or is_state('binary_sensor.office_window_motion', 'on') or is_state('binary_sensor.office_motion', 'on') }} 
I also use Tasker for my alarm clock. I use the App Sleep as Android which integrates with Tasker. When the alarm starts my lights simulate a sunrise (the girlfriend and I sleep in separate rooms due to her being a light sleeper and me being a noisy sleeper).
Future plans/wishlist
Currently more of a wishlist because I don't want to spend too much money on these things right now (baby #2 on the way):
This turned out to be quite the post. Any questions/suggestions are welcome!
Shameless plug
My YouTube channel. I might include some home automation stuff in the future.
submitted by emli42 to homeassistant [link] [comments]

[Story Continuation] The UWS Alcubierre Part 21

You may find the beginning of the story HERE.
Part Twenty may be found HERE.
"Let's see what we've got then," Kai said, the calm command of his voice breaking the stunned silence aboard the bridge.
Teams sprang into action, each crew member remembering their duty amidst the shock of their first interaction with an interstellar species. Data flitted between consoles and a steady hub of activity sprung up around different members of the command staff. Foremost among them was Jack Griggs. His team crowded around him, combining the data from their respective fields in hopes of creating a holistic picture of what, exactly, was being sent. Projected in their midst was the logic tree diagram Jack had produced before, and Kai watched as it was steadily pruned in light of new events.
The first piece to go were the branches dedicated to outcomes that did not contemplate an intervenor. If Jack felt any vindication or satisfaction at that fact, he did not show it. Instead, there was only steely determination as the problem was attacked. Something wanted to communicate, but what were they saying? What did they want?
The desire to become directly involved was overwhelming, but Kai's experience told him he was best in the background, allowing the teams to work the problem without his interference. The simple fact was that Kai's expertise lay in leadership, not in actually doing any of the things needed to unravel a puzzle like this. He could direct, but he could not do. There was something odd about that, almost as if the person with the least knowledge was being vested with the responsibility to decide the course of action. Of course, that was the trick of leadership, knowing when to listen and when to push. Kai was a generalist, he could synthesize the entire field of battle and strategize ahead of the opponent.
The Admiral paused at that line of thought. Phrases like field of battle and opponent were natural to him. He was birthed in war, and had only recently come to peace. The United World government was a fragile project, just emerging from the desolation of decades of strife. Humanity had survived its battles with the demons of its own creation, but only just. When it had emerged, looking to the stars, they had searched the world over for those that would best embody the hope of a new, unified future.
Chief Science Officer Jack Griggs. Brit by ancestry, not that national ties mattered much in the new world. More importantly, he was a good man and one of the most brilliant minds of any generation. He had found the path to dismantling the Automics, and humanity would forever be in his debt. He was the most fragile, the price of victory haunting him still. The downward spiral always a possibility. Had Kai not listed Jack's presence as a condition of accepting command, he would not be here. Kai could not help but smile as he watched Jack now. It felt good to see his friend work on something beautiful after the terrors. Maybe, just maybe, they would both find their salvation in the black.
Chief Engineering Officer Idara Adeyemi. Nigerian out of the African Union. Iron will had brought her to the Alcubierre. She had personally overseen the construction of the Alcubierre drive. Her request to join the crew, giving up a prized position in the United World Engineering Corps, had been a surprise. She had been readily accepted. Kai snorted, trying to imagine someone with enough of a spine to try and stop her application. Idara sat high on Kai's list of people to build a stronger bond with, but it was difficult to scratch her steely surface to see what lay beneath.
Chief Medical Officer Kate Lai. American of mixed descent. Half Chinese, half of half of Europe. Kai had worked with the good doctor off and on, though more on than off of late. She was on the Alcubierre because she was one of the few that could check Kai, a valuable commodity as far as he was concerned. Command had odd effects on a person. It was difficult to retain your empathy. To understand what it was like to not have power. If absolute power corrupts absolutely, then Kate was there to make sure he wasn't absolutely corrupted. She had been prepared to protect her patient at the potential cost of a galaxy, and her actions were why Jack was sitting there today.
There were dozens of other top flight executors, an entire crew of them, all looking to him. He had led men and women in war, and now he lead them into the unknown. This was not a field of battle, it was a map of the galaxy and Kai was expected to play humanity's hand wisely. No one could be ready for this, but that was what command was: the ability to make the best decision under ambiguous circumstances.
No, Kai could never hope to compete with this crew, and he would never want to. They would do, and he would decide. Kai pulled the Chief Comm Channel up, "All Chiefs. I want an update. Thirty minutes."
-------
"It is a logic chain," Jack said to the assembled Chiefs. "There does not appear to be any difference in the chain based on the medium of communication. Just a repeated set of simple math problems with true/false answers. Here's an example." He displayed the problems, which were presented as a series of dots and flashes that were then converted to a set of statements.
"One plus one equals two. True." Kai read out loud, before raising a quizzical eyebrow at his Chief Science Officer. "Seems a bit basic for wormhole creating aliens."
Jack shook his head, "That isn't the point, Admiral." He pointed to a set of problems just below. "One plus one equals one. False. One plus two equals three. True. Two plus two equals four."
"True," Kai replied.
A broad grin graced Jack's face, his eyes dancing mischievously, "Ah, but that's just it Admiral, they have not told us whether it is true or false."
Kai could see where it was going, but he decided to play along. A bit of theater would smooth over everyone's nerves. "I take it they haven't solved the great mystery of two plus two then?"
"Smart money says they've worked it out, they just want to see if we have," Jack minimized the example set of problems and displayed hundreds of more, in each case there was a red, highlighted line where a true/false was missing. "They're waiting for a response. Our best guess is that this serves as a basic communication primer and a sentience test. When we respond--"
"If," Kai cut in, "if we respond. That's not a given here. But continue."
Jack wilted slightly at that, but relaunched into his presentation, "Should we choose to respond, then the other species will be able to determine a number of things about us. Foremost among them would be a preferred means of communication. Second would be a pairing of our symbolic logic characters with the binary framings they have primarily used to convey the puzzles in." He thought about that for a moment, scratching behind his ear, "That's sort of interesting in and of itself. Our system is based on zeros and ones, but that wasn't a guarantee. I wonder if that's a constant or--"
"Jack, stick to the main trunk. You can prune the tree later, I just want everyone up to speed on what we're dealing with."
The Chief Science Officer flushed and then nodded, "Yes, of course, well, as I was saying..." his eyes roved over the diagram for a second before he found his stride again, "so, in addition to figuring out a preferred mode of communication, we would have the beginnings of a language bridge as well. At least theoretically, it is very possible we respond with math and just get more math and they just aren't able to consume content outside of that framework, but I don't think that will be the case."
"Explain."
"I cannot say I have the evidence to fully support this assertion, but I'd guess they've done this before. The sophistication is just too high for this to be a novelty. They're projecting across every medium we can think of. Their opening salvo, basic maths, is plausibly universal in application widely accessible. We will not know until we respond, but this feels like we are dealing with experts."
There was a rustling among the other chiefs at this, but it was Idara that gave voice to startling conclusion first, "You think there are more of them. More aliens."
Jack shrugged, "The biggest debate was always whether there was any. Now that there is one, two is orders of magnitude more likely. The fact we're interacting with a sophisticated communications platform bodes well for that fact. There's also the point that their travel technology, wormholes, is well designed for established point-to-point interactions. Again, I'm in speculative territory here, but I think I'm on the right side of the guess."
Idara leaned back in her chair, casting a glance to Kate Lai beside her. "I'm just going to stick to humans," Kai said with a small smile.
"So, should we tell them about the wonders of two plus two then, Jack?" Kai asked.
"I do not see another option. Despite our best efforts the Alcubierre drive remains offline which effectively strands us. Beyond that, whatever is out there saved us, our home, and, given the size of the anticipated death halo, maybe their home as well. We probably owe it to them to try and explain ourselves, particularly since we are not far enough away from home that they will not be able to put two and two together on their own and find Earth."
More than one crew member shifted uncomfortably at the last statement, but Jack's bluntness on the subject only made him more persuasive. "I want each round of response vetted by you personally Jack. If we start getting out of grade school and into college on maths, I want to be notified. If we get a communication bridge up, I want to be notified. If they start asking us about our home, I want to be notified." Kai leaned forward, his broad shoulders hunching in as he peered at Jack, "Discretion, Jack. We're all excited, but let's make sure we're taking the caution this deserves. Understood?"
Jack straightened and gave a nod, "Yes, Admiral." He paused, "Do we have permission to respond?"
Kai nodded, "Affirmative. Tell them that two plus two really does equal four. I imagine it'll be a big relief for them."
------
ZyyXy felt a mixture of curiosity and helplessness as it monitored the First Contact Program, its cilia curling and unfurling reflexively. Until a means of communication was established, particularly one that could supply a foundation for complex communication, ZyyXy could only observe. ZyyXy administered the flows deftly, pulling in the data as quickly as it could be created, but as of yet there was very little to access as the Angelysians had not yet responded. The absence of information was highly frustrating, and ZyyXy spent the time devising explanations as to why there was not yet a response.
Perhaps the very act of executing the FCP had created offense. ZyyXy was an observation purpose-specialization, not a diplomat, it was entirely possible it had behaved rashly. There may be consequences, all because it had acted without proper context and consideration.
ZyyXy's cilia stopped their furtive movements as it searched its consciousness. The thought had felt foreign. Not its own. It had been Left-minded. Such a thing should not happen. But ZyyXy had not merged before. This merge had not been sanctioned by the Zix nor overseen by a merge purpose-specialist. Perhaps there were unintended side effects. Things ZyyXy could not possibly anticipate. A cost for its actions.
More Left-mindedness.
ZyyXy delved deeper until could feel the presence within it. It was small, struggling amongst a sea of ZyyXy's thoughts, as if entangled in a Zix Moot. But among the tangled weave of ZyyXy's thought threads, a single thought-thread reached out from the small presence and into ZyyXy's consciousness. Questioning XyyZy's actions. Raising doubts.
Xy remained. Consumed, subsumed, but not eliminated.
Vexed, ZyyXy pruned its threads, emotion and thought alike, returning to a blank state. Slowly, it re-established only those threads ZyyXy permitted and held firm control over. The presence within wilted, shrinking further as ZyyXy's consciousness re-asserted itself. Before ZyyXy could move to excise the irksome presence within, the FCP's data flows shifted, drawing ZyyXy's attention away.
The Angelysians had responded.
Xy was forgotten as ZyyXy established a cluster of thought-threads to monitor the progress of the communication framework. There would be much to glean even from the initial response, and the opportunity to return to its natural predisposition as an observer was a welcome respite after the chaos and fears of the time since it had initially discovered the mysterious object from Sol. Already the communication framework began to fill in, occurring in tandem with the analysis of the second, more essential set of data the FCP began to deliver.
The Species Assessment. The FCP had been used by the Combine across millions of initial interactions with species. All of that data had been used to build a model of what species were possible candidates for membership in the Combine, which were best left ignore, and which posed active threats. The outcome of the assessment could have dramatic consequences for the Angelysians.
ZyyXy expelled its fluid, shrinking down.
Warnings were already coming in.
The story continues in Part 22 found HERE.
Click this link or reply with SubscribeMe! to get notified of updates to THE PLATYPUS NEST.
As always, leave comments, critiques or requests for MOAR parts. Feedback helps me determine what to write.
I have Twitter now. I'm mostly going to use it to post prurient platypus pictures. Also engage in POLITE INTERNET CONVERSATION, which I heard is Twitter's strong suit.
submitted by PerilousPlatypus to PerilousPlatypus [link] [comments]

Things to Do - Jan 6-31

For January, here’s a full month of Things to Do in Dallas. I’ll probably return to including daily things to do in February, but I welcome your feedback on this format.
As always, please share events I missed in the comments of this thread.
31 Things You Don’t Want to Miss in Dallas in January (plus some fun food holidays)
Jan 6 | Dallas Mavericks vs. Chicago Bulls | American Airlines Center
Jan 8 | Dallas Mavericks vs. Denver Nuggets | American Airlines Center
Jan 8 - 28 Wednesday Nights | Elvis Month | El Ranchito
Jan 10 | Dallas Mavericks vs. LA Lakers | American Airlines Center
Jan 10 - Jan 19 | Shakespeare Dallas Pride and Prejudice |Moody Performance Hall
Tickets start at $26.50
Jan 11 | Dallas Mavericks vs. Philadelphia 76ers | American Airlines Center
Jan 11 | Art Battle Dallas | Deep Ellum Art Co | $20
Jan 13 - National Gluten-Free Day
Jan 13 | Get Seasoned Dallas! with John Tesar of Knife Dallas | El Centro College | $129
Jan 14 - National Hot Pastrami Sandwich Day
Jan 14 - Jan 20 | 2020 MLK Celebration Week Events | MLK Jr. Community Ctr, other venues
Jan 16 | Dallas Stars vs. Buffalo Sabres | American Airlines Center
Jan 17-Feb 8 | Ft Worth Stock Show and Rodeo | Will Rogers Memorial Center & other venues |
Adult Tickets (Grounds Admission) $12
Jan 17 | ‘til Midnight | Nasher Sculpture Center | Free
Jan 17 | Late Nights | Dallas Museum of Art | Free for Members, $5 Students, $10 Adults
Jan 17 | Dallas Mavericks vs. Portland Trailblazers | American Airlines Center
Jan 18 | Dallas ISD 2020 STEM Expo | Kay Bailey Hutchison Convention Center
Free | Volunteers needed, learn more
Jan 19 - National Popcorn Day
Jan 19 - Back to the Future Movie Screening | The Majestic, Dallas | Tickets $10
Jan 20 | 2020 MLK March/Parade |The Martin Luther King, Jr. Community Center | Free
Jan 20 - National Cheese Lover’s Day
Jan 21 | Dallas Mavericks vs. Baltimore Clippers | American Airlines Center
Jan 22 | Tool in Concert | American Airlines Center
Jan 23 - National Pie Day (Norma’s Cafe has free pie today!)
Jan 23 | Garden to Table Chinese New Year Dinner w/ Kent Rathbun | Dallas Arboretum | $145
Jan 24-26 | ZestFest | Irving Convention Center
Tickets start at $15
Jan 24 | Reddit dallas Happy Hour Meetup | Redfields Tavern | 6PM
Jan 24 | Social Science (adults evening event) | Perot Museum of Nature and ScienceTickets $20 Members, $29 Nonmembers
Jan 24 | WWE Friday Night Smackdown | American Airlines Center
Jan 25 - National Irish Coffee Day
Jan 25 | Elaina Kay's Cornbread & Country with Chef Graham Dodds | Sons of Hermann Hall
Jan 25 | Lunar (Chinese) New Year - Year of the Rat Begins
The free Chinese New Year Celebration at NorthPark Center will be on February 1st.
Jan 25-26| KidFilm | Angelika Film Center, Dallas | Free
Jan 27 | Dallas Stars vs. Tampa Bay Lightning | American Airlines Center
Jan 27 | Shakespeare in the Bar - Winter’s Tale! | Wild Detectives | $10 - $20
Jan 28 | Dallas Mavericks vs. Phoenix Suns | American Airlines Center
Jan 29 | Dallas Stars vs. Toronto Maple Leafs | American Airlines Center
Jan 31 - Feb 9 | Dallas Boat Expo | Market Hall | Adult Tickets $12, Parking is Free
Anytime Things to Do in January
Dallas Arboretum - $5 Admission for the Month of January
Penguin Days (Discounted Admission) at the Dallas Zoo
January is a great time for birdwatching. Bald eagles are frequently sighted at White Rock Lake. (Twitter link)
31 Music/Entertainment Venue Calendars
AT&T PAC - Shen Yun, The Color Purple, Blue Man Group and moreDSO - Scheherazade, Dvořák's Violin Concerto, Bernadette Peters and more
House of Blues - Grunge Fest, Sleeping with Sirens, Queensrÿche, Raphael Saadiq and more
The Majestic Theatre - Kathleen Madigan, Mandolin Orange, Tim & Eric, Wild Kratts Live
The Rustic - MLK Day Brunch, Wax Wednesdays w/ Field Day Records, Curtis Grimes & more
The Bomb Factory - Impact Wrestling, Dwight Yoakam, Trey Anastasio, Maldita Vecindad
Three Links - 20th Anniversary of ANS, David Michael George, Blot Out & Disowned and more
Club Dada - The World / Inferno Friendship Society, Bit Brigade, and more
Trees - The Roommates, Spafford, British Lion, and more
The Free Man - Swing, Blues, Jazz - live music every night
SouthSide Ballroom - Evil Beat Vol. 2, Armin Van Buuren
Opening Bell Coffee - Songwriter Spotlight, Dolly Parton Tribute, something every night
Poor David’s Pub - Birthday Blues with Strictly Tablue, Jeffrey Gaines, and more
Texas Theatre - Uncut Gems, Flash Gordon – 40th Anniversary, Color Out of Space and more
The Kessler - Sean McConnell, Josh Rouse and more
Revelers Hall - Jazz Tuesdays, Swing Dance Lessons, Latin Thursdays, Revelers Hall Band
Granada TheateSundown at Granada - Texicana, Le Cure, Juliana Hatfield, Lettuce, and more
Hyena’s Dallas - Bobcat Goldthwait, Erik Myers, New Orleans Kings of Comedy, Helen Hong
Gas Monkey - Blizzard of Ozz, Snakeskin Cowboys, Church of Cash, and more
Stereo Live - Doctor P & Cookie Monsta, ARMNHMR, Bingo Players & more
Addison Improv - Shapel Lacey, Felipe Esparza, Stars of Tomorrow Showcase, Michelle Wolf
Eisemann Center, Richardson - Oak Ridge Boys, Mandy Patinkin, Tapn2Tap and more
Legacy Hall, Plano - Ultimate 90s Party,Straight Tequila Nights, Hard NIghts Day and more
Lava Cantina, The Colony- Q: The Music of Queen; Freedom, A George Michael Tribute & more
Bass Hall - Shen Yun, Fort Worth Symphony: Grieg’s Piano Concerto, Wild Kratts Live, & more
Billy Bob’s - Junior Brown, Lindsay Ell, Wade Bowen, Casey Donahue and more
Arlington Music Hall - Collin Raye, Phil Vassar, The Kingston Trio, Back in Time, & more
Texas Live! - Vegas Stars, The Drop, Dave Taylor and the Groove Monsters & more
Toyota Music Factory, Irving - Morgan Wallen Whiskey Glasses Road Show, Seventeen
The Theatre at Grand Prairie - Smooth Winter Groove III, Black Laughs Matter, Stray Kids
Dan’s Silverleaf, Denton - Hares on the Mountain, Anachronic Calamity, Ottoman Turks &more
31 Museums & Art Venues
Dallas Museum of Art - speechless, Landscape of a Lifetime, Beyond Binaries and more
Nasher Sculpture Center - Sightings: Anne Le Troter
Crow Collection of Asian Art - Future Retrospective: Master Shen-Long, The Art of Lacquer
African American Museum - Kinsey African American Art & History Collection and more,
Old Red Museum - Big D Gallery, World Crossroads Gallery and more
Museum of Biblical Art - European Art Treasury, National Center for Jewish Art and more
Meadows Museum - El Greco, Goya, and a Taste for Spain thru Jan 12 and more
Museum of Geometric and MADI Art - Transparent Universe thru Jan 26 and more
Dallas Contemporary - Mabel, Betty & Bette; Directional Energies and more starting Jan 12
Latino Cultural Center - Armando Sebastian: The DreameParallel Universe starting Jan 18
Oak Cliff Cultural Center - Lucha Libre 2020 starting Jan 11
Latino Arts Project will have a new exhibit in February
Perot Museum of Nature and Science - 12 permanent exhibit halls, special exhibits, and movies
Holocaust and Human Rights Museum - The history of the Holocaust, advancing human rights
The Sixth Floor Museum - The assassination and legacy of President John F. Kennedy
Frontiers of Flight Museum - 13 galleries with stories of aviation and space flight
Haas Moto Museum and Sculpture Gallery - Over 200 motorcycles spanning 12 decades
The Samurai Collection (Free) - Samurai objects from the Barbier-Mueller’s collection
Cavanaugh Flight Museum, Addison - Aircraft and armored vehicles
Federal Reserve Bank of Dallas - The Economy in Action (free)
George W. Bush Presidential Center
Museum of Illusions - Interactive art with illusions, instagrammable scenes
Museum of Memories - Interactive art/Instagrammable scenes
Collin County
Heard Natural Science Museum & Wildlife Sanctuary, McKinney - Dinosaurs Live and more
National Video Game Museum, Frisco - Videogame industry history + retro games
Fort Worth
Kimbell Art Museum - Renoir: The Body, The Senses til January 26 (Free permanent collection)
Modern Art Museum of Fort Worth - Robyn O’Neil: We, The Masses; The Modern Lights, Julie Bozzi: American Food; Ruckus Rodeo (beginning Jan 17) and more
Fort Worth Community Arts Center - Cultura Del Vaquero, Western Landscapes, & more
Amon Carter Fort Worth - Scott and Stuart Gentling’s Birds of Texas, Puente Nuevo and more
FW Science Museum - Cattle Raisers Museum, DinoLabs and DinoDig®, Launchpad, & more
National Cowgirl Museum and Hall of Fame - Honoring women of the American West
Theatre Events in January
Stuff As Dreams Are Made On | Jan 17 - 25 | Theatre Three
Imagine Broadway | Jan 30-31 | Theatre Three
Broadway Our Way by Uptown Players | Jan 16- 19 | Kalita Humphreys Theatre
Zombie, Dearest | Jan 3 - Feb 15 | Pocket Sandwich Theatre
The Color of Death in Living Black & White™ | Through Jan 20 | Eisemann Center, Richardson
The Drowsy Chaperone | Jan 30 - Feb 23 | Firehouse Theater, Farmers Branch
Sherlock Holmes and the Portal of Time | Jan 9 - Feb 1 | Rover Dramawerks, Plano
Hello, Dolly! | Jan 14-19 | Broadway at the Bass
Frank-N-Friend | Jan 31 - Feb 16 | Casa Mañana
To Be Young, Gifted & Black | Jan 24 - Feb 23 | Jubilee Theatre
Ada and the Engine | Jan 9 to Feb 9 | Stage West
Ripcord | Jan 10 - 26 | Theatre Arlington
Theatres with New Shows Opening in February
Bishop Arts Theatre Center
Dallas Theater Center
Kitchen Dog Theater
Ochre House Theater
Undermain Theatre
Water Tower Theatre, Addison
Repertory Company Theatre, Richardson

Other Lists of Things to Do:

NEW! Plan Your Week from Dallas Voice, The Premier Media Source for LGBT Texas
Do214 Top Picks
Culture Map Dallas Calendar
This Week’s Beer Events from BeerInBigD.com
Dallas News Events (This page is not paywalled.)
Two Sunday Funday/Weekday Wow lists on my blog - inBigD.com
Trivia, Open Mic, Karaoke and More Every Weeknight & Sunday
Dinner Deals that Aren’t Just During Happy Hour Every Weeknight & Sunday
submitted by JustMeInBigD to Dallas [link] [comments]

Student Loan Default: The Guide (reuploaded)

The original guide that was recently deleted here: https://www.reddit.com/studentloandefaulters/comments/cg1fd7/student_loan_default_a_guide/
I take no credit for this post, just happened to have it saved in a document and thought I'd be doing an injustice by not sharing this information once I saw the original post was missing! All credit goes to the original author, and without further ado...

Student Loan Default: A Guide
I’ve been wanting to write this for a long time, and seeing that person be in $500,000 of debt and no one really helping him on studentloans, I felt it was time to summarize everything I’ve learned. While there is great information on this sub, it is not centralized. It requires some digging. I hope now to bring all of it to the surface.

Definitions:

Strategic Default: When a borrower realizes that he or she can spend less money by not paying a loan. The borrower waits out the statute of limitations and then either settles or waits the debt out.

Shills: People who are paid to prevent the spread of student loan default information

Statute of Limitations: The number of years your state requires before a debt can no longer be collected.

Cosigner: The poor person who is just as legally required to pay your loans as you are

Foreign Earned Income Tax Exclusion: A tax rule that states any US citizen can earn up to about $100,000 a year in another country and report their US taxes as 0.

Fraudulent Transfer: When a party tries to move assets to someone else in order to avoid a lien on their property.

Lien: Essentially when the government slaps a bill onto your property forcing you to pay off a debt before you can sell the property.

Income Based Repayment (IBR): Federal loans can be paid with 15% of your discretionary income (money earned after taxes) instead of a higher, unpayable amount

Aggregate Student Loan Limit: The total amount a student can take out before the federal government or a private lender stops authorizing new loans

Wage Garnishment: When a court forces your employer to take out a certain percentage of your paycheck to pay back a debt

Bank Levy: When the government or a court takes all of the money directly out of your bank account to pay a debt

Private Loans: Loans that originate from anyone but the federal government. These loans have a statute of limitations and less power but higher interest rates.

Federal Loans: These loans have no statute of limitations, the government can collect anything you earn to get these back, and they come with IBR which is manageable

Sallie Mae: The worst private lender on the market. They only offer deferment for four short years.

Forbearance: A period where you do not have to pay your student loans, but interest accrues.

Deferment: A period where you do not have to pay your student loans, but interest does not accrue.

Credit Score: A number that tells people how responsible of a borrower you are.

Student Loan Tax Bomb: After you have paid for 10 - 25 years on your federal loans, you are forgiven the rest. That is considered income by the IRS. You then add this “income” to your regular income for the year and pay the tax. It can be over $10,000.

Insolvency: When you are unable to pay your debts. This works well for defusing the student loan tax bomb.

Public Service Loan Forgiveness: If you work for 10 years at a government job, you can get your entire federal student loan balance forgiven. In 2019, the feds are making it near impossible to collect. This could change.

A note on cosigners before we begin: Look, your cosigner is probably going to be very mad at you. Prepare for your relationship to be strained. You need to try and get them on the same page as you, and I do offer a tactic here to at least shift all of the financial burden off of your cosigner below. If you decide to do any of these tactics without getting your cosigner off the hook, there could be more risk involved if you or your cosigners have a lot of assets.

Strategy

Student loan default is a strategy. And to have a good strategy, one must plan as much as possible. You have to know all of your options. While strategy is your overall game plan, tactics are the individual options you have to get your strategy accomplished. Below are the tactics that you can employ to beat the student loan companies.

Tactics

Paying Your Loans: [low risk] In the rare chance you have anywhere between $1,000 to $20,000 in federal student loans and you have completed your bachelor’s degree, you should probably just pay the damn loans. All you have to do is set up an auto debit and forget about it. It will be about 15% of your income. You really want to try and avoid consolidating if you can, because it will count against some of your IBR payments. You would also lose your grace period if you did this. At the end of 10 to 25 years, you will be forgiven all of the loan amount you did not pay. That forgiven amount is considered income by the IRS, so you will be put into a higher tax bracket. I would get an accountant when this comes. In your case, your tax bomb will be low enough where you could probably just pay it. If you want to really shake things up though, you are welcome to try either the Asset Creation Tactic or the Madlad Method below. Here is more information on Income Based Repayment: https://www.studentdebtrelief.us/repayment-plans/income-based-repayment-plan/

Default Private IBR Federal (Staying Put): [low risk] The standard strategy here on studentloandefaulters. As mentioned above, for the federal loans, it’s best to just IBR and automatically debit your bank account each month and forget about it. For the private loans, this is where the game begins. Your overall plan here is to default, wait out the statute of limitations in your home state, and either settle the debt for less than 30% or just hope they leave you alone and you don’t pay at all. From this moment on, whatever you would have paid for your private monthly bill, sock that money away. Once you go past 120 days of no payments, you are in default. This is where the phone calls come in. They will start to harass you. They will call your work, your cell phone, your cosigner, etc relentlessly. Most likely, they’ll start doing this before you get to default. As they call you, you can either just give them the cold shoulder or start immediately acting like you do not own the debt. Never admit that you own the debt. Tell them you think they are crazy and have the wrong person. Inform your cosigner to do the same. Once your loans are sold to a collection agency, wait until they call you and ask for verification of the debt. If they do not provide it, you won. Chances are, they will be able to verify it, so just make sure you never admit to the debt on the phone or make a payment. If you make a payment, you’ll reset the statute of limitations. Do not give them five dollars, two dollars, a penny. If they do sue you, show up for court. Get a lawyer if you can afford it. You have to show up to court, or they win automatically. Even if you don’t have a lawyer in court, you need to make them verify the debt. You could still lose here. If you do lose in court, go to my tactic of “The Cat and Mouse Game.” They are playing a numbers game, and if you are harder to sue than John Smith down the street, they may prey on him or her instead of you. Now, there are four states in the United States that do not have wage garnishment: Pennsylvania, North Carolina, South Carolina, and Texas. You could move there, and if you have barely any assets, you are considered judgement proof. This means you’re not worth the time to be sued, because you have nothing to take and cannot be garnished. Moving is hard, though, so that’s a personal decision. Also, from what I understand, if you do move to these states, you can switch your statute of limitations over to their states which may be less time until you cannot be sued anymore. If you do lose and just want to stop here, you could get your bank levied and you could be slapped with up to a 25% wage garnishment until paid in full Clarification: a lot of people do not ever get garnished, and bank levies are rare (they are non-existent on federal loans). Do not let this freak you out!. I repeat this is super rare and not likely to happen. Anyways, you have options at this point. If it does happen, try another tactic like leave the country or cat and mouse below.

Default Private Default Federal: [medium risk] Some of the wilder people have attempted to default on both federal and private loans in order to do a cash settlement. The same strategy above in Default Private IBR Federal applies, but realize that the US government could just step in and do an administrative garnish on you eventually. If you were living some sort of cash existence, you could potentially avoid them and then write them a money order and settle for 30% or something. This way, you avoid the tax bomb and would probably pay a lot less interest overall. If you do this and it works, I would love to hear about it.

Cat and Mouse: [medium risk] So, you want to avoid getting sued or you lost a judgement? You don’t have to sit back and take it. u/nowaysalliemae has successfully avoided being sued by essentially going on the run. You see, to be sued successfully, they need to know where you work. If you get sued, move to another state, and switch jobs, they have to do the entire process over again! This means find you, verify the debt, sue you, etc. You can essentially do this until your statute of limitations runs out. And then, you dispute the debt on your credit score. They take it off at that point, and you just saved a lot of money. I decided to put this as medium risk, because moving around a lot would require some luck. Especially since you would need to work wherever you go, there are a lot of moving parts here. I think it is totally doable, and if you are an adventurous personality type, it could be a lot of fun. This only works for the private student loan side, because the US government has a lot more power. You would still IBR your federal loans on this tactic. For more information, go through nowaysalliemae's post history.

Leave the Country: [medium risk] What if you want to avoid all of this altogether? Do you want a reset button on your life? You can just leave the country and start over. Seriously. Your credit score does not follow you across countries. The federal government cannot garnish your paycheck if you work internationally. You are not a criminal doing this. Furthermore, there is something called the Foreign Earned Income Tax Exclusion. Since you will still IBR your federal loans on this plan, as long as you make less than $100,000 in another country, your US income is zero. This means you just got a free education while you make money in another country. Once you pay zero for 25 years, you will have to defuse your student tax bomb. Tactic Below. Private companies do not stand a chance here. There are countries in the commonwealth such as Australia and Canada that are more willing to take you in if you meet certain requirements. You could teach English at a bunch of places. You could apply for residency at these places or be a perpetual tourist. A perpetual tourist is someone who essentially moves to a new country, goes to a neighboring country for a weekend, and then goes back to that new country they are trying to start a new life in*. This in no means you have to go back to the U.S. Ever. For example, you want to live in Panama forever, every 90 days, you take a weekend trip to Nicaragua. You come back to Panama after the weekend is over and get another 90 day pass. Rinse and repeat. This gives you another 90 days in your country of choice. If you make money on the internet, this strategy would work pretty well. You can just be a perpetual tourist or marry someone in another country and start a new life. This will not be a good fit for everyone, but there’s something exciting about this. If you are young, single, and restless, this could be the adventure of a lifetime. Here's more info on being a perpetual traveler and the FEIE: https://www.escapeartist.com/blog/perpetual-traveler-us-tax-code/

Suspend Payment Without More Debt: [low risk] So recently, it has been brought to my attention that there is a community college, Luna Community College (in Las Vegas, NM), that has tuition so low you could go half time all year for about 684 dollars. They have a small amount of associate's degrees. If you just want to stop paying without taking any more loans, this would be the way to do it. You could do this for many years. Luna Community College's tuition matrix: https://luna.edu/tuition_matrix

Convert Private Loans to Federal: [low risk] From this point on, these are my special tactics I’ve been thinking about. They might work really well for some people. So, you have a bunch of federal loans and a good amount of private loans. You don’t want to fight debt collectors or move around. Try this. This plan only works if you have a bachelor’s degree though. Anyways, there is a special loan offered by the US Federal Government called the Graduate Plus Loan. This loan is incredible, because there is no aggregate student loan limit. In other words, you can borrow as much money as you want here. Even a million dollars no questions asked. All you need is no delinquency or default on your credit report. If you do have these things, you can get a cosigner in on the plan. They won’t ever be responsible anyways because you will defuse the tax bomb at the end. This works to your advantage, because you could go back to school at the graduate level, get a diploma mill master’s degree online, use your room and board payment to start paying off your private loans ASAP. Just make sure you are doing whatever your school considers half time enrollment in order to avoid student loan payments while doing this. Once you’ve gone to school long enough and converted all of your private loans to grad plus loans, you could just go on an IBR plan. This will at least make your life manageable. You would have to defuse your student tax bomb once this is over. Tactic below.

Convert Federal Loans to Private: [medium risk] So, what if you wanted to go the opposite way? Maybe you want to convert all of your federal loans to private ones, default, and then leave the country? Hey, maybe there are reasons you want to hurry up the settlement process. You could essentially do the same strategy as above, but instead just borrow from Sallie Mae, Wells Fargo, etc until all of your federal loans are paid off. Then, either cat and mouse or leave the country. I don’t think a lot of people would find a use for this, but hey who knows?

Asset Creation Method: [high risk] What if you wanted to not just pay off your loans but get ahead in life? Maybe you feel like using your student loan debt to your advantage. Thanks to the work done by u/BinaryAlgorithm, you could really come out on top here. Remember those Grad Plus loans we were talking about? Well, there’s nothing stopping you from continually borrowing all year on these loans, investing the room and board, and acting as if you do not have the debt in the first place. While I had originally said that rental property does not count as income, I cannot find any documentation proving this. You can still invest this money however you want, and you just defuse the tax bomb at the end (if anyone can find that documentation, please let me know). I did find that rental properties offer a lot of ways to reduce your adjusted gross income (management fees, advertising, etc), and these could reduce your income closer to zero. We’re not done here. Moreover, you could get a job that qualifies for Public Student Loan Forgiveness, enjoy your investments, and then pay for the 10 years. Be sure to convert all loans to federal before starting this tactic. I only put this as high risk, because the whole plan falls apart if Grad Plus loans get capped. Will they? Probably not, because those are the loans doctors and lawyers take out to go to their professional schools. It would take an act of congress to change the way the law stands now, but still, you should know that. This plan spans decades, so a lot can change. Also, having this many installment loans may lower your credit score over a multitude of years, but based on what everyone has found out here, it's not by much. For more information, go to this subreddit's search bar and type in "aggregate" and go look at BinaryAlgorithm's two posts on the subject.

Defusing the Student Tax Bomb: [low risk] So lucky for you, I talked to an actual lawyer and an actual IRS agent about this. This is completely legal and doable. Okay, so you were a good person and paid your IBR for 25-30 years. What now? Well, you’re about to be hit hard with a tax bomb. All of that money that is now forgiven counts as income on your taxes. This could mean a bill in the tens of thousands if you combined this with any of the other methods here—or just borrowed a lot to begin with. Luckily for us, there is something called insolvency. This means you are unable to pay your debts, and there is a really simple formula for whether or not you are insolvent. As long as you have more liabilities than assets at the time of student loan forgiveness, you are considered insolvent. In other words, right before you are about to be forgiven, like year 24 out of 25, you would take out a loan on something. All you would need to do is buy a house, buy a car, or buy something with a huge price tag. As long as your liabilities are way higher than your assets (like aim for 100K or something more), you are considered insolvent and you don’t have to pay any of the tax bomb. Boom. The IRS agent said this is fine. The lawyer said this is fine. I cannot believe this is fine. Where could you get the money to borrow for a house? Check Asset Creation method above. You could always sell the asset after the tax bomb is dealt with. For more information on defusing the student loan tax bomb: https://lawyerist.com/defusing-student-loan-interest-tax-bomb/

Getting Your Cosigner Off the Hook: So 90% of us have cosigners based on some statistic I read. These people are going to pissed at you, because they get harassed. If you have a lot of time to plan your strategy out, you can simply convert all of your private loans to federal ones. They are no longer responsible. The plan is above. Check out “Convert Private Loans to Federal.” Furthermore, if you are attempting to go the default route with private loans, you could potentially get your cosigner off the hook by refinancing your student loans without the cosigner. After you refinance, you could just default then. You would need good credit and meet certain requirements for this. Also, if you plan on defaulting, you might want to get your cosigner to transfer their assets to their spouse or someone trustworthy. Even though liens are rare, this could give you some peace of mind. As long as about 3-5 years go by, this is no longer considered a fraudulent transfer. Your state will have certain rules about this. If you are from Florida, apparently houses are untouchable there. You will need a lawyer to plan the asset transfer. At the same time, you may not be able to get your cosigner off the hook. Make peace with that. Student loans are brutal, so all you can really do is educate yourself and your cosigner and hope you come out on top.

Madlad Method: [high risk] Now, here comes my personal plan. This is what I’m doing, because I want to live a life on my terms and not really work for anyone my entire life. I’m also not a normal person, so this will probably appear crazy to some or most of you. So at this point, if you understand all of the methods before you, you are a powerful player in the student loan circus. You can do anything from fight the man to maliciously comply and bankrupt the system while becoming upper-middle class. I don’t really care for any of that. I want to go to a tropical paradise and make music for 20 years, so here is my interpretation of everything. I have some federal loans and private loans. I net about 25K a year through the Grad Plus loans, and I work about 4 hours a week in the online classroom. I take that federal loan money, and I sock away a few hundred every month to save up for my private loan settlement in about five years. Since I save 300 every month, I’ll have about 18K in 5 years when I go into default. I will settle ASAP. At the same time, I will continue to go to diploma mill universities, get master's degree after master’s degree, and move to a Latin American country where the cost of living is even lower. This way, my 25K a year puts me in the upper class of that country. I can live where I want and really do whatever I damn well please for as long as the Grad Plus loans are around. As an added bonus, I will already be starting a new life in another country where I can make connections and maybe even get married. I studied linguistics, so I know how to teach English. I can do that if I want a source of income anywhere. So there is my plan, and honestly, one day we might get someone in office who just wipes out all of this debt anyways. If that’s the case, I can just play the waiting game until all of this is over. Here are the rules on adverse credit history and Grad Plus loans: https://studentaid.ed.gov/sa/sites/default/files/plus-adverse-credit.pdf

Final Thoughts: Defaulting on student loans is not immoral or a sin. It is a business decision. Everyone else gets bailouts, why should student borrowers be any different? You’re going to have to ignore the people who tell you why they think you should be a good little slave and pay your loans. Those people are not your friends. Those people are not on your side. Some of the best advice I ever received in life was you have to do what’s best for you. Also, if you have anything you would like to add to this or would like to challenge, please let me know. I want this to be as accurate as possible. I will be looking at this perpetually to make sure there are no errors. Take care. Good luck. You can do this.
submitted by PlsvoteforBernie to studentloandefaulters [link] [comments]

[OC][UWS Alcubierre] Part 21

You may find the beginning of the story HERE.
Part Twenty may be found HERE.
"Let's see what we've got then," Kai said, the calm command of his voice breaking the stunned silence aboard the bridge.
Teams sprang into action, each crew member remembering their duty amidst the shock of their first interaction with an interstellar species. Data flitted between consoles and a steady hub of activity sprung up around different members of the command staff. Foremost among them was Jack Griggs. His team crowded around him, combining the data from their respective fields in hopes of creating a holistic picture of what, exactly, was being sent. Projected in their midst was the logic tree diagram Jack had produced before, and Kai watched as it was steadily pruned in light of new events.
The first piece to go were the branches dedicated to outcomes that did not contemplate an intervenor. If Jack felt any vindication or satisfaction at that fact, he did not show it. Instead, there was only steely determination as the problem was attacked. Something wanted to communicate, but what were they saying? What did they want?
The desire to become directly involved was overwhelming, but Kai's experience told him he was best in the background, allowing the teams to work the problem without his interference. The simple fact was that Kai's expertise lay in leadership, not in actually doing any of the things needed to unravel a puzzle like this. He could direct, but he could not do. There was something odd about that, almost as if the person with the least knowledge was being vested with the responsibility to decide the course of action. Of course, that was the trick of leadership, knowing when to listen and when to push. Kai was a generalist, he could synthesize the entire field of battle and strategize ahead of the opponent.
The Admiral paused at that line of thought. Phrases like field of battle and opponent were natural to him. He was birthed and war, and had only recently come to peace. The United World government was a fragile project, just emerging from the desolation of decades of strife. Humanity had survived its battles with the demons of its own creation, but only just. When it had emerged, looking to the stars, they had searched the world over for those that would best embody the hope of a new, unified future.
Chief Science Officer Jack Griggs. Brit by ancestry, not that national ties mattered much in the new world. More importantly, he was a good man and one of the most brilliant minds of any generation. He had found the path to dismantling the Automics, and humanity would forever be in his debt. He was the most fragile, the price of victory haunting him still. The downward spiral always a possibility. Had Kai not listed Jack's presence as a condition of accepting command, he would not be here. Kai could not help but smile as he watched Jack now. It felt good to see his friend work on something beautiful after the terrors. Maybe, just maybe, they would both find their salvation in the black.
Chief Engineering Officer Idara Adeyemi. Nigerian out of the former African Union. Iron will had brought her to the Alcubierre. She had personally overseen the construction of the Alcubierre drive. Her request to join the crew, giving up a prized position in the United World Engineering Corps, had been a surprise. She had been readily accepted. Kai snorted, trying to imagine someone with enough of a spine to try and stop her application. Idara sat high on Kai's list of people to build a stronger bond with, but it was difficult to scratch her steely surface to see what lay beneath.
Chief Medical Officer Kate Lai. American of mixed descent. Half Chinese, half of half of Europe. Kai had worked with the good doctor off and on, though more on than off of late. She was on the Alcubierre because she was one of the few that could check Kai, a valuable commodity as far as he was concerned. Command had odd effects on a person. It was difficult to retain your empathy. To understand what it was like to not have power. If absolute power corrupts absolutely, then Kate was there to make sure he wasn't absolutely corrupted. She had been prepared to protect her patient at the potential cost of a galaxy, and her actions were why Jack was sitting there today.
There were dozens of other top flight executors, an entire crew of them, all looking to him. He had led men and women in war, and now he lead them into the unknown. This was not a field of battle, it was a map of the galaxy and Kai was expected to play humanity's hand wisely. No one could be ready for this, but that was what command was: the ability to make the best decision under ambiguous circumstances.
No, Kai could never hope to compete with this crew, and he would never want to. They would do, and he would decide. Kai pulled the Chief Comm Channel up, "All Chiefs. I want an update. Thirty minutes."
-------
"It is a logic chain," Jack said to the assembled Chiefs. "There does not appear to be any difference in the chain based on the medium of communication. Just a repeated set of simple math problems with true/false answers. Here's an example." He displayed the problems, which were presented as a series of dots and flashes that were then converted to a set of statements.
"One plus one equals two. True." Kai read out loud, before raising a quizzical eyebrow at his Chief Science Officer. "Seems a bit basic for wormhole creating aliens."
Jack shook his head, "That isn't the point, Admiral." He pointed to a set of problems just below. "One plus one equals one. False. One plus two equals three. True. Two plus two equals four."
"True," Kai replied.
A broad grin graced Jack's face, his eyes dancing mischievously, "Ah, but that's just it Admiral, they have not told us whether it is true or false."
Kai could see where it was going, but he decided to play along. A bit of theater would smooth over everyone's nerves. "I take it they haven't solved the great mystery of two plus two then?"
"Smart money says they've worked it out, they just want to see if we have," Jack minimized the example set of problems and displayed hundreds of more, in each case there was a red, highlighted line where a true/false was missing. "They're waiting for a response. Our best guess is that this serves as a basic communication primer and a sentience test. When we respond--"
"If," Kai cut in, "if we respond. That's not a given here. But continue."
Jack wilted slightly at that, but relaunched into his presentation, "Should we choose to respond, then the other species will be able to determine a number of things about us. Foremost among them would be a preferred means of communication. Second would be a pairing of our symbolic logic characters with the binary framings they have primarily used to convey the puzzles in." He thought about that for a moment, scratching behind his ear, "That's sort of interesting in and of itself. Our system is based on zeros and ones, but that wasn't a guarantee. I wonder if that's a constant or--"
"Jack, stick to the main trunk. You can prune the tree later, I just want everyone up to speed on what we're dealing with."
The Chief Science Officer flushed and then nodded, "Yes, of course, well, as I was saying..." his eyes roved over the diagram for a second before he found his stride again, "so, in addition to figuring out a preferred mode of communication, we would have the beginnings of a language bridge as well. At least theoretically, it is very possible we respond with math and just get more math and they just aren't able to consume content outside of that framework, but I don't think that will be the case."
"Explain."
"I cannot say I have the evidence to fully support this assertion, but I'd guess they've done this before. The sophistication is just too high for this to be a novelty. They're projecting across every medium we can think of. Their opening salvo, basic maths, is plausibly universal in application widely accessible. We will not know until we respond, but this feels like we are dealing with experts."
There was a rustling among the other chiefs at this, but it was Idara that gave voice to startling conclusion first, "You think there are more of them. More aliens."
Jack shrugged, "The biggest debate was always whether there was any. Now that there is one, two is orders of magnitude more likely. The fact we're interacting with a sophisticated communications platform bodes well for that fact. There's also the point that their travel technology, wormholes, is well designed for established point-to-point interactions. Again, I'm in speculative territory here, but I think I'm on the right side of the guess."
Idara leaned back in her chair, casting a glance to Kate Lai beside her. "I'm just going to stick to humans," Kai said with a small smile.
"So, should we tell them about the wonders of two plus two then, Jack?" Kai asked.
"I do not see another option. Despite our best efforts the Alcubierre drive remains offline which effectively strands us. Beyond that, whatever is out there saved us, our home, and, given the size of the anticipated death halo, maybe their home as well. We probably owe it to them to try and explain ourselves, particularly since we are not far enough away from home that they will not be able to put two and two together on their own and find Earth."
More than one crew member shifted uncomfortably at the last statement, but Jack's bluntness on the subject only made him more persuasive. "I want each round of response vetted by you personally Jack. If we start getting out of grade school and into college on maths, I want to be notified. If we get a communication bridge up, I want to be notified. If they start asking us about our home, I want to be notified." Kai leaned forward, his broad shoulders hunching in as he peered at Jack, "Discretion, Jack. We're all excited, but let's make sure we're taking the caution this deserves. Understood?"
Jack straightened and gave a nod, "Yes, Admiral." He paused, "Do we have permission to respond?"
Kai nodded, "Affirmative. Tell them that two plus two really does equal four. I imagine it'll be a big relief for them."
------
ZyyXy felt a mixture of curiosity and helplessness as it monitored the First Contact Program, its cilia curling and unfurling reflexively. Until a means of communication was established, particularly one that could supply a foundation for complex communication, ZyyXy could only observe. ZyyXy administered the flows deftly, pulling in the data as quickly as it could be created, but as of yet there was very little to access as the Angelysians had not yet responded. The absence of information was highly frustrating, and ZyyXy spent the time devising explanations as to why there was not yet a response.
Perhaps the very act of executing the FCP had created offense. ZyyXy was an observation purpose-specialization, not a diplomat, it was entirely possible it had behaved rashly. There may be consequences, all because it had acted without proper context and consideration.
ZyyXy's cilia stopped their furtive movements as it searched its consciousness. The thought had felt foreign. Not its own. It had been Left-minded. Such a thing should not happen. But ZyyXy had not merged before. This merge had not been sanctioned by the Zix nor overseen by a merge purpose-specialist. Perhaps there were unintended side effects. Things ZyyXy could not possibly anticipate. A cost for its actions.
More Left-mindedness.
ZyyXy delved deeper until could feel the presence within it. It was small, struggling amongst a sea of ZyyXy's thoughts, as if entangled in a Zix Moot. But among the tangled weave of ZyyXy's thought threads, a single thought-thread reached out from the small presence and into ZyyXy's consciousness. Questioning XyyZy's actions. Raising doubts.
Xy remained. Consumed, subsumed, but not eliminated.
Vexed, ZyyXy pruned its threads, emotion and thought alike, returning to a blank state. Slowly, it re-established only those threads ZyyXy permitted and held firm control over. The presence within wilted, shrinking further as ZyyXy's consciousness re-asserted itself. Before ZyyXy could move to excise the irksome presence within, the FCP's data flows shifted, drawing ZyyXy's attention away.
The Angelysians had responded.
Xy was forgotten as ZyyXy established a cluster of thought-threads to monitor the progress of the communication framework. There would be much to glean even from the initial response, and the opportunity to return to its natural predisposition as an observer was a welcome respite after the chaos and fears of the time since it had initially discovered the mysterious object from Sol. Already the communication framework began to fill in, occurring in tandem with the analysis of the second, more essential set of data the FCP began to deliver.
The Species Assessment. The FCP had been used by the Combine across millions of initial interactions with species. All of that data had been used to build a model of what species were possible candidates for membership in the Combine, which were best left ignore, and which posed active threats. The outcome of the assessment could have dramatic consequences for the Angelysians.
ZyyXy expelled its fluid, shrinking down as it analyzed the assessment data.
Warning signs were already appearing.
Platypus out.
Want MOAR peril? PerilousPlatypus
submitted by PerilousPlatypus to HFY [link] [comments]

Visitor's Guide to Detroit Red Wings hockey at Little Caesers Arena 2019-2020

Welcome to the 2019-2020 Detroit Red Wings season. This is the third version of this guide to help out visitors looking for some information from locals about Little Caesers Arena (LCA) and surrounding area in Detroit. I hope you find it helpful. Suggestions welcome!
submitted by spoonyfork to DetroitRedWings [link] [comments]

IQ stock broker is a Forex & bitcoin Company in USA Founded in 2012 by a team of highly motivated professionals who are very passionate about trading on the world’s financial market, and are keen on empowering

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How to trade with levels on Binary Option  Market Psychology Pricing an American Option: 3 Period Binomial Tree Model Best binary options trading brokers located in usa for usa legal traders US Binary Options Brokers: Available Brokers for US Binary Traders BINOMIAL OPTION PRICING MODEL ST 2

An American option is a financial contract that gives its holder a choice to purchase or sell a financial asset at a specified exercise price at any time before the specified expiry date.. American option entitles its holder to discretion not only in exercising his option, but also in the timing of such exercise. European option on the other hand, does not allow flexibility in timing of exercise. For example, if the price of the option is quite near the strike price and near expiry, there is the chance of a large swing in the price as it approaches the “all or nothing” payoff. Taking a look at the above example of the GBP/JPY, if the strike is at 140.50 and the current price is equal to the strike, there is an almost 50% chance that Best Binary Options Brokers 2020 1) IQ Option. IQ Option is a Seychelles-based online trading platform launched in 2013. It has found a lot of favor in South Africa. It is one of the best binary option brokers in South Africa. They claim to be one of the fastest growing online trading platforms, with over 25 million members to date. American Binary Options A new type of Online Trading with a growth rate of more than 360% per year, which is 30% per month expansion of industry. Within the last 2 years, Binary Options online trading has been ranked #1 in monthly growth as number of traders increase by more than 30% per month. A binary option has a strike price of $65 and expires tomorrow at 12 p.m. The trader can buy the option for $40. If the price of the stock finishes above $65, the option expires in the money and

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How to trade with levels on Binary Option Market Psychology

This best binary options strategy can be used in IQ Options and Olymp Trade. ... American traders should not trade binary options. Investing in CFDs involves a certain level of risk, so a ... American Binary Option Pricing: ... finCampus Lecture Hall 10,945 views. 9:42. Pricing an American Option: 3 Period Binomial Tree Model ... Binomial tree to price option Part 10 ... Are you looking for information on Binary Options trading in USA. Well in this video we go into where you can start trading with binary options and what platforms are available to you DISCLAIMER This illustrates the Cox-Ross-Rubenstein binomial tree method of computing the value of a standard American call and put option. Values at the tree nodes show the stock price. Red denotes nodes ... Price Action Trading for Binary Options is a channel providing FREE Binary Options COURSE on how to trade with candlesticks in IQ option.This channel also helps beginner traders to study the tips ...

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