Âge Minimum - Jeux d'Argent - Casino, Pari en Ligne et Loterie

casino age minimum

casino age minimum - win

HWI: The minimum gambling age (poker, lottery, casino etc) is 16 in at least 12 US states

Currently, the minimum gambling age varies in several states, from 18 to 21.
What if, in at least 12 states (7 east coast states and 5 west coast states), it had been 16?
submitted by AnakinWayneII to HistoricalWhatIf [link] [comments]

CMV: Since the minimum age required to gamble at a casino is 18 (United States), video games that let players buy loot boxes with with real world money should receive an AO (adults only) rating.

Slot machines give randomized rewards and so do loot boxes yet you have to be 18 to play slots at a casino. Both tribal and non tribal casinos have a minimum age requirement of 18 for pretty much everything except Bingo.
Articles by The New Yorker and The Guardian outline some of the issues.
I know that traditionally only games with extreme pornography have received the AO rating, however, according to the ESRBs website, M is for 17 and up. 17 years old is too young to gamble in all casinos in the US therefore games with loot boxes that can be bought with real world money should be given an AO rating.
EDIT: My view was changed due to this comment. My new view is that loot boxes should be removed from games entirely. Skins and other cosmetics should be available as a straight purchase, rewarded through skillful play (achievements), or unlocked via a sort of "exp bar" mechanic.
submitted by Final-Verdict to changemyview [link] [comments]

Tijuana Casino Minimum Age

Is the minimum age to participate in casino-related activities in Tijuana set at 18 or 21?
submitted by CFrancisW to tijuana [link] [comments]

Deltas awarded in "CMV: Since the minimum age required to gamble at a casino is 18 (United States), video games that let players buy loot boxes with with real world money should receive an AO (adults only) rating."

Below is a list of the deltas awarded in this post.
Please note that a change of view is not necessarily a reversal, and that OP awarding a delta doesn't mean the conversation has ended.
For a full explanation of the delta system, see here.

Deltas from OP Final-Verdict

Deltas from Other Users

None yet.
submitted by DeltaBot to DeltaLog [link] [comments]

Is the Minimum Age for the CNE Casino 18 or 19?

submitted by KevinPower81 to askTO [link] [comments]

(23M)Gambling no more and finally getting it together.

"I just wanted to share my story here in Reddit because I kinda kept this story to myself and if I tell this to my friends, they probably wouldn't believe me anyway. But I just wanted to tell someone who's having the same problem that I had before. It's kind of a long story so don't read it if you don't wanna read long stories. I needed to tell a back story first so it's easy to understand what I'm going to tell.
So, I'm from Winnipeg. So here's how it all started. I ran away from my parents with only $2500 on TFSA and $800 on my Chequing account Also like ($1000 worth of bitcoins I think??? or like a year later I don't remember the timeline anymore) when I was 18, 5 years ago. Life was more or less great. I was working 30-38 hours a week at Walmart with barely above minimum wage salary. For some reason, I still managed to save money with low salary, renting a room and owning a car and paying all my bills at the same tome. I even brought myself to college and got a Legal Assistant Degree while still working after school and weekends to pay my bills. But, after my internship. The place I did my internship didn't want to take me because I kinda fell asleep in the court room on the hearing beside the judge (Cos I was tired from working and going to school every time). It kinda got hard for me to get a job in that field cos I didn't have any work experience in that field, but I didn't want to do internship cos I didn't want to work for free.
Around 19-20 years of age, I just decided to find any job to make more money. I got into a production company as a general labourer. Working two jobs and with lots of money. I just didn't know what to do with all that money. It was so easy for me to make money that I thought I could just outspend what I wanted to spend my money on. So, I just started to spend my money playing in Casinos. Coincidentally, 1 month after I was working two jobs. I won $1250 on a $50 sidebet on Pai Gow Poker and then won another $2500 on $50 side bet the week after. That's when I started to ruin my finances. I would go into Casinos like almost every week. I was making like $1200 biweekly after taxes and would spend all my salary, go through all my savings, borrow from friends, and maxing out my credit cards. Hell, I even started talking to my parents again just to borrow money from them so I can just gamble more when I spend all my salary from gambling.
I even started working 3 jobs. Working 60-70 hours but I would spend all that money from gambling. Sometimes, my gas would almost run out or I wouldn't even eat sometimes cos I already gambled all my money in Casino. So basically I was gambling for a 2-4 years. I lost like around $40k in total. I was even paying more on NSFs, Credit card interest than necessities sometimes cos I'd actually go to the casinos right after I get my paycheques. I was always stressed that time. I wouldn't know what to do. Couldn't sleep properly at night sometimes, being paranoid, thinking how can I pay my debts, when to eat next time, and all other things. Tough times.
Then, Covid happened last year. I quit on my full time job like a month before covid got serious (bad timing I know) because I was always late and I got laid off at my part time job because of lack of customers due to Covid Scare. Luckily, the Casinos closed down too. Then, I got a job at a pork processing company as a SliceMachine Operator. So, I started to save a lot of money which allowed me to start paying off my credit card debts , student loans, late payments, debts to friends.
Unfortunately, Casinos opened again for like almost a month and I gambled and lost around $3000 which like my savings at the time. Thankfully, they closed down again. But now, most of my debts are paid off except for like a couple hundreds in Credit card, student loans, and car loan which are low interest so I'm not in a rush to pay them anymore.
Now, I've learned my lesson and I started investing my saved money and trying to be financially responsible once again. To be honest, If I can take anything back from the past. I wouldn't even want to get the money that I've lost in the Casinos. I would just want to get back the time when I was at (19-22) where I could've use those time to spend it with my friends and/or travel and vacations. Instead of wasting my time chasing my losses."
P.S. sorry, I'm new in reddit. My first post actually, don't know how to format these things properly lol
submitted by Swat-Benelli-M700 to PersonalFinanceCanada [link] [comments]

Feb/4/2021: (1) Armenia will grow weed (2) Colonel charged w/bribery & tampering w/draft during war (3) Education reform: grading, curriculum, preschool (4) Bill: treason, disability ranking, media (5) Diplomacy (6) Rumors & rebuttals (7) Cancer stats & free treatment (8) $750M bond (9) in-out stats

Your 14-minute Thursday report in 3497 words. Part 1.

anti-corruption: Defense Ministry official busted with bribery & tampering with draft during war

NSS report says: a Colonel, who had oversight over subdivisions, received a ֏975K bribe from a conscript to transfer him to another location on Sep-13-2020. Part of the bribe was transferred to his online gambling account.
When the war began, a draft was declared and recruits began training at a location in Armenia. The Colonel took a ֏1.2M bribe from a soldier in exchange for not sending him to the front lines.
During the winter draft, the Colonel took a ֏5.2M bribe from another conscript and used his connections to send him to the desired service location. A similar ֏1M bribe was requested on January 6th from another recruit.
The Colonel took another ֏1.4M bribe to help promote a conscript and allow him to work at a hospital instead of regular service.
On October 22nd, during the war, the Colonel decided to help a friend move from bordering Khndzoresk (Syunik) hospital back to Yerevan. As a result, the clinic became understaffed and couldn't fulfill its duties. Moreover, the Colonel then helped the same friend not to be deployed on Syunik borders as a soldier and instead to handle tasks in the rear, on October 26th, in exchange for a ֏300K bribe.
On October 13th, during the war, the Colonel and his accomplices wanted to help a soldier to leave Artsakh. When they learned that the latter was already on the "deserted" list, they took steps to remove him from the list.
Then, he learned that his friends' sons received a draft notice, and use his connections to remove them from the draft list.
After the war, on Dec-13, a friend asked the Colonel to make sure that his son, who was serving in Lusakert, wasn't sent to the front lines. The Colonel contacted the Lusakert facility but learned that the soldier was not among those who were supposed to be sent to the front lines. Nonetheless, the Colonel decided to defraud his friend by claiming that "he took care of it", and received a ֏200K bribe.
The colonel and over a dozen others were arrested. Illegal weapons were found under their possession. The investigation continues to expose other possible suspects.
https://youtu.be/ifo13WJLpsU
https://armenpress.am/arm/news/1042334.html

bill: harsher punishment for treason, spying, espionage

BHK MPs drafted a bill to increase punishment for traitors, spies, passing of state secrets. They want to raise the maximum punishment from 15 years to 20-life. The authors explained the move by citing many media reports about alleged "treason" incidents.
The bill was discussed at a relevant Parliamentary committee. The chairman QP MP Vladimir said he supports life imprisonment as the minimum punishment. However, during the discussion, they agreed to settle on 15-20 years plus property confiscation, or a life sentence.
The committee found the espionage punishment too harsh and asked the bill author to reduce it from 15 to 12 years. The BHK author agreed.
The bill was approved unanimously and will be debated/voted on the Parliament floor later.
https://armenpress.am/arm/news/1042354.html

Jalal is back with another position

The wounded ex-Artsakh army commander Jalal Harutyunyan will serve as the Republic of Armenia's Defense Ministry's Head of the Military Control Service. He will replace General Movses Mosi Hakobyan who quit on November 18th.
https://armenpress.am/arm/news/1042353.html

Russian-Turkish ceasefire monitoring group begins operations

Russian troops are using ORLAN-10 and FORPOST drones to monitor Am-AZ troop locations and movements.
https://youtu.be/ToSLqUDj6OE
https://factor.am/335089.html

ECHR received Armenia's complaint against Azerbaijan regarding 228 POWs / Azeris counter-claim for 13 POWs

Armenian families submitted a petition to ECHR to require Azerbaijan to provide information regarding 228 individuals. Azeris want to know data about 13 people.
(From the language it is unclear to me whether the petition is for confirmed POWs, or it also includes families of missing soldiers who want to know whether their relatives are POWs. Likely the former.)
https://armenpress.am/arm/news/1042406.html

Red Cross visited 4 Armenian POWs in Azerbaijan

They were able to establish contact with families.
https://armenpress.am/arm/news/1042428.html

Russia expects UNESCO to soon visit Armenian monuments that went under Azeri control

https://factor.am/335437.html

Russia removed tomato import ban on 13 Armenian firms

Russian regulator will allow 13 Armenian sellers to export tomato and pepper to Russia again after earlier finding a food virus in them. A similar ban was implemented against Azeri tomatoes.
https://armenpress.am/arm/news/1042433.html

US Congressman demands an explanation from the US ambassador to Azerbaijan over "congratulatory" statement

Rep. Bred Sherman wants to know why the US ambassador to Azerbaijan Lee Litzenberger congratulated Azerbaijan's Economy Minister with "de-occupying territories and US's willingness to aid Azerbaijan with rebuilding those territories". He reminded the US officials that the US is a member of the Minsk Group and should take steps to ensure Artsakh's safety and prevention of a new war.
Bred Sherman praised Biden's appointee Anthony Blinken for stating that the US will review its military assistance to Azerbaijan after the latest war in Artsakh.
Artsakh MFA yesterday released a statement urging countries, officials, and organizations to refrain from such "congratulatory" statements.
https://armenpress.am/arm/news/1042370.html

de-occupy Hadrut NGO

... aims to help 13,500 Hadrut residents who lost their homes during the war. It was founded during the war by activists who held protests in front of various embassies. In the early days, they received aid from President Sarkissian's office. The latter gave shelter to 25 families.
Today the NGO aims to help refugees with employment, while simultaneously lobbying for Minsk Group to de-occupy Hadrut so residents can return. "I hope that one day our NGO will shut down because Hadrut is no longer occupied," said co-founder Meri Davtyan.
https://armenpress.am/arm/news/1042286.html

govt session: financial aid for Syunik border villagers

The government approved a new aid package for residents of Syunik's Shurnukh and Vorotan villagers. Those who lost their homes will qualify for the same aid package as Artsakh refugees: one-time ֏300K payment plus monthly ֏65K payments for 6 months. There is another pending aid package to build new houses for them.
Context: Two dozen houses in Vorotan and Shurnukh went under Azeri control because they were built on the Azeri side of the internationally-recognized borders.
https://armenpress.am/arm/news/1042362.html

bill: disability ranking to be replaced with degrees of functionality impairment

The government approved a bill, yet to be approved by Parliament, to reform the disability system. The disability assessment process will analyze the person's level of functional impairment while taking into account surrounding conditions.
"Today, the system is run under a 1993 law that does not do a comprehensive assessment of the surrounding environment, person's ability to function in public life," says the govt.
The draft bill will repeal the 1-3 Categories and Disabled Child category. A person's functionality impairment degrees will be light, medium, heavy, or deep. Disability will no longer be considered a permanent health problem. The assessment will be based not only on the factor of health problems but also on the environmental factors of the person's activity and participation in public life.
Healthcare and Social Ministries, NGOs, the UN, and the EU worked together to create and test an assessment methodology.
https://armenpress.am/arm/news/1042365.html
Tags: #DisabilityLaw #disabled

bill: require unknown Telegram/Facebook media channel owners identified before "linking" by mass media

QP MPs want to require social media channel operators identified before a "mainstream media" can link to them. It doesn't restrict citing "anonymous sources", however. It also requires outlets to disclose sources of revenues for transparency. Read yesterday's news for context and arguments in favor or against it.. The debate continued today.
QP MP Arthur: For example, a legitimate news organization with an editorial staff of 30 people generates information, holds interviews, etc., while a Telegram channel that we do not know where it is managed from and by whom, begins to disseminate sensationalized information and over time becomes more "legitimate" than real media outlets because media outlets "advertised" them.
This is also a national security risk because it is very possible that such sources are being operated by an adversary country to spread instability and an atmosphere of fear in the country. //
The co-author criticized the critics who "claimed that the bill intends to ban anonymous sources. That's not true. This also won't affect the protection of journalists' source secrecy."
https://armenpress.am/arm/news/1042357.html
If you're interested in more debates:
https://youtu.be/MTHwRa4YjgY , https://youtu.be/ThDNVwZYEp8 , https://youtu.be/S6C_NocS9N0 , https://youtu.be/3_-i2Z23ubI , https://youtu.be/wiPnmfeLNJ8
Tags: #MediaLaw #TelegramLaw #FreeSpeech

rumors and rebuttals: Artsakh army isn't being dissolved

Serj's won-in-law Mishik earlier circulated rumors that were denied by state officials. Today, Kocharyan-ally Vitali Balasanyan, who serves as Artsakh's Security Council chief, confirmed that the army isn't "disintegrating." After the restructuring process, there will be subdivisions with professional contractors, he said.
https://armenpress.am/arm/news/1042344.html

rumors and rebuttals: Azeri flag won't fly over Artsakh govt buildings

Vitalik Balasanyan also denied rumors about Azeri flags being installed on Artsakh govt buildings in Stepanakert.
https://armenpress.am/arm/news/1042344.html

rumors and rebuttals: Azeri families won't resettle in Stenapakert / none are shopping in market

Vitalik Balasanyan said there are false rumors about two districts in Stepanakert being populated by Azeris, and Azeris allegedly freely shopping in Stepanakert market.
"Dear citizens of Artsakh, on behalf of the authorities of the Artsakh Republic, I assure you that despite the irreparable losses inflicted on us as a result of the war, the state is always committed to fulfilling its responsibilities to ensure the security and normal life of the population. Accordingly, I urge you not to pay attention to the false news. Everything is being done to create and expand the necessary conditions for a dignified life of the people of Artsakh."
https://armenpress.am/arm/news/1042344.html

rumors and rebuttals: Artsakh envoy won't stop operating in Russia

The Permanent Representation of the Artsakh Republic in Russia will not be terminated, said the Artsakh govt in response to rumors.
https://armenpress.am/arm/news/1042367.html

rumors and rebuttals: no single currency in EAEU trade bloc

EAEU would like to inform you that you've been misled about alleged plans to establish a single currency among member-states.
https://armenpress.am/arm/news/1042427.html

location "Hollywood, Yerevan, Armenia"

There is a district called Hollywood in Yerevan, Armenia. Gamblers were caught running an underground casino in there. This is the second such bust in the past few months. The police say ֏5.5B in damages was done to the state.
https://youtu.be/sp0Sb--e_ms?t=60
https://factor.am/335320.html

anti-corruption: prosecutors charge education officials with ֏1.2B auction shenanigans

Prosecutors said: State Oversight Committee (SOC) audited the "National Center for Educational Technology" government-affiliated agency's finances between 2013-2020. Every year, the agency submitted a report on the work done by them towards servicing the education system. The bill was ֏700M annually.
It was revealed that between 2012-2015, they granted an auction-based contract to the same company. It received a combined ֏2.8B in funding. The law requires the auction-holding officials to examine the market and take other steps before the auction. They failed to do so.
Later, during 2017-2019, the same company was selected to do the job, but this time it was only paid ֏300-400M annually, far lower than during the previous years.
֏1.2B in damages was done to the state. A felony case is launched.
https://armenpress.am/arm/news/1042389.html

re: Armenia's $750M eurobond sale / lowest % in history / $3B demand by investors / economy news

Read yesterday's news for context.
Pashinyan: The issuance of $750M eurobonds is a strong positive signal for the start of the economic year. The issuance was done under the most favorable conditions in the history of our republic, with the lowest 3.8% percentage rate. Our previous record was in 2019 at 4.2%. The demand was for $3B but we decided to issue only $0.750B.
First, it provides a guarantee of macroeconomic stability. Second, this is the first serious signal of overcoming the post-war economic shock, which shows that international investors have confidence in the economic future of Armenia and the policy pursued by the government. //
Economy Minister Janjughazyan: this was part of our long-term plan and we had planned to do it while drafting the 2021 budget. We planned to issue fewer bonds but decided to add $250M because of favorable terms. We plan to use that extra cash towards the stabilization deposit, as a safety pad, to be used throughout the year if necessary.
As long as our budget has a deficit we will have to borrow. But this is only part of the story; the country's overall debt burden is calculated based on various indicators. So far Armenia has been rated as a country with a lower debt burden.
https://armenpress.am/arm/news/1042351.html, https://armenpress.am/arm/news/1042352.html , https://armenpress.am/arm/news/1042363.html , https://armenpress.am/arm/news/1042393.html

how many people did leave and arrive after reopening air traffic with Russia?

The governments of Armenia and Russian worked on an "app" to allow mutual travel after taking a test. By February 15th, there will be 4-route flights in 2 directions. There were several flights in the past few days.
3900 left and 3400 arrived. 1423 Armenian citizens left and 1263 Armenian citizens arrived. "More people were willing to leave in December than today," noted Diaspora Committee chief Sinanyan.
"Some people flew to Russia but had to return due to a problem. This wasn't due to the COVID app implemented by us. Preliminary data shows that they went to Russia with a paper QP code which raised the suspicion of Russian authorities. We will work with them to resolve this," said Deputy PM Mher. (say what??)
"We need to better inform the public about the existence of this app. Restoring routine flights will help the tourism industry," said PM Pashinyan.
https://armenpress.am/arm/news/1042358.html , https://armenpress.am/arm/news/1042383.html

Pashinyan about the suspended Amulsar gold mining project

He repeated his earlier position that "Decisions must be made that take into account Armenia's best interests."
"The mining industry plays a very important role in the development of Armenia's economy, including in the security context."
"We must make decisions to make investment programs acceptable for the Armenian public while taking into account interests of Republic of Armenia."
https://armenpress.am/arm/news/1042368.html

COVID stats

1829 tested. 147 infected. 352 healed. 11 deaths. 4637 active.
"We're negotiating for vaccines via COVAX global initiative. Separately, we're negotiating with Russia for Sputnik-V. Vaccines should be available in March. It will be targeted at specific groups. It won't be mandatory," said Healthcare Minister Avanesyan.
https://armenpress.am/arm/news/1042341.html , https://youtu.be/vXz3pHx1BlM?t=92

the consumer market price increase in the past 12 months

Armenia's consumer market inflation was +4.5% from January to January. Food +6.4%. Alcohol & tobacco +10.8%. Clothing +2.6%. Utilities +0.6%. Appliances +5.8%. Healthcare +5.6%. Transport +5.7%. Telecom +0.5%. Leisure & culture -0.8%. Education +2%. Dining +1.6%. Misc +3.5%.
https://armenpress.am/arm/news/1042323.html

Parliament MP stops a citizen's suicide attempt

Someone tried to jump from Kievyan bridge. QP MP Gor Gevorgyan was nearby and stopped the attempt. The police took the distressed person to a station.
https://armenpress.am/arm/news/1042329.html

psychological support will be provided to war participants and the public

Emergency Ministry says 15-30% of people have PTSD after the war. Today the government approved a plan to provide psychological aid to war participants and others. The target group includes families of missing people, POWs and their families, those who received disabilities, families of those who died, those who fought in the war, IDPs, civilians who were affected in any way. The program will work in Armenia and Artsakh.
The government will purchase services from experienced mental health service agencies.
https://armenpress.am/arm/news/1042403.html

Armenia will grow industrial marijuana on mass industrial scale / incentive to boost land utilization

Hemp is a type of weed that contains less of the substance that makes you feel high. The government wants to grow industrial hemp on a mass scale to boost mood land utilization and revenues.
Pashinyan: this is going to open room for many speculations. It's important to present the project in detail so the public will have a full understanding of what is being done. Unfortunately, "hemp" is interpreted as something else, while in reality, it is a very important industrial raw material. The growing process has risks but there are oversight mechanisms that have been tested in many countries.
Deputy PM Avinyan: the US, Russia, and China have a great experience with industrial hemp production. The practice was examined by the Economy Ministry. We're talking about industrial production only. It will significantly activate agricultural land utilization. Today, 40% of lands are gone unused. This is part of our plan to boost the production of high-value agricultural products.
https://youtu.be/ssZgr2DR3DM?t=7
https://www.healthline.com/health/hemp-vs-marijuana#marijuana
https://armenpress.am/arm/news/1042372.html

Education Minister says the "controversial" parts of Church/History merger were "resolved"

Education Ministry wants to merge the school subjects "Armenian Church History" and "Armenian History". Critics said it will shrink the church-related materials too much, others called it treason, while others supported the decision, stating that it's all part of our history and having a separate class is inefficient.
Education Minister Dumanyan says he met colleagues at the National Academy of Sciences and they resolved the conflicts "that caused a noise earlier." He will reveal details soon.
https://armenpress.am/arm/news/1042379.html , https://youtu.be/V0sC3dx-gzU

Major education reforms: "education alone will not solve all problems, but there is no problem that can be solved without an education"

... said PM Pashinyan during a govt session while discussing education reforms. Kids in 1-5 grades will no longer receive grades; tt will be pass or no pass (still needs Parliamentary approval). "There will be a criticism. How can you not grade? But this is a comprehensive program that emphasizes the student's needs and preferences," said Pashinyan.
"We need to pay attention to how the time is spent in schools and what skills are being taught in school hours. It will reflect in our society 15-20 years later. It will define whether we have a technological product or not.
What we were doing in 12 years (school length) can be done within 9 years, but a 9-year school isn't the solution. Instead of shortening the school, we're trying to fill the gap in a way to have a 50% higher efficiency by the end of the 12th year.
In developed countries, education starts not from school but from preschool. The lower the education entry age the more developed the countries are," said Pashinyan. (the govt has a plan to make sure 70% of kids attend preschools by 2023)
https://armenpress.am/arm/news/1042394.html

cancer stats in Armenia / annual rate / drops among children / fewer abandon treatment

world
9.6 million people die from cancer annually. 1/3rd is possible to prevent. Another part can be cured with the help of early detection.
Armenia
Cancer was the 2nd leading cause of death in 2020. It has increased in the past 10 years but at a small rate. Lung cancer is more common among men, and breast cancer among women.
First time diagnosis by year: 2018 - 8762, 2019 - 7908, 2020 - 7050.
Deaths by year: 2018 - 5199, 2019 - 5434. 2020 - unavailable. (55% men, 45% women)
The cancer rate went up by 1.5x compared to 1990. However, it declined by 2x among children under 14yo.
Fewer people abandon treatment. 3 years ago 53% of lung patients did so, today it's 40%. Breast cancer treatment abandonment went from 47% to 22%. (I translated the word բարձիթողության as "abandonment". Correct me if it refers to something else.)
Artsakh
The number of cancer cases has decreased in Artsakh: from 345 to 260 YoY.
prevention
Oncologist Safaryan says the early detection helps to avoid complications and save lives, even if it's the type of cancer that is known to reappear. There are many patients who defeat cancer. "Smokers should get a lung x-ray twice a year. Those working in chemical plants should get a frequent screening. Do not ignore symptoms and չգցել ականջի հետև. You can defeat it more easily when it's at 1-2 stages. It's a lot harder when it advances to 4."
Preventing cancer isn't easy. The causes of this disease are many. Genetics, bad habits, obesity, surrounding environment. A genetic test can reveal the likelihood of suffering from illness. Some women choose to undergo a mastectomy to prevent possible breast cancer in the future.
"I decided that if 1-in-100 is destined to be cured, I will be that one," said Ashkhen, a woman who recently defeated cancer.
More: https://armenpress.am/arm/news/1042291.html , https://armenpress.am/arm/news/1042364.html , https://armenpress.am/arm/news/1042405.html

cancer diagnosis, surgery, and radiotherapy are free

The treatment was made free recently. The Oncology Center urges the public to get screened as part of an early-detection initiative. The pilot program began in Vanadzor; 307 women were screened.
Cancer diagnosis, surgery, and radiotherapy are free, while the medication has a co-payment.
https://armenpress.am/arm/news/1042423.html

today in history

2004: Mike Zuckerberg founded Facebook to steal your SSN
1949: Sri Lanka declares indpendence
https://armenpress.am/arm/news/1042309.html

president meets donor

Artsakh president Arayik met donor Alec Baghdasaryan and thanked him. "Only with the joint efforts of the Armenian people is it possible to quickly overcome the difficulties and to plan development programs." Alec plans more charity programs relating to education.
https://armenpress.am/arm/news/1042326.html

donations to Artsakh & recovering soldiers

www.1000plus.am (recovering soldiers & their families)
www.HimnaDram.org (for Artsakh & Armenia)
www.ArmeniaFund.org (U.S. tax-deductible)

archive of older news

http://www.armeniapedia.org/wiki/Daily_Anti-Corruption_Reports

disclaimer

All the accused are considered innocent unless proven guilty in the court of law, even if they "sound" or "appear" guilty.
submitted by ar_david_hh to armenia [link] [comments]

Not your parents PLAYBOY: How Playboy is reinventing themselves and why you should Invest $MCAC

I know what you're already thinking. Playboy is a dead porn brand that publishes a magazine and doesn't appeal to millennials or gen z right?
Wrong.
Leadership
Let's start with Ben Kohn, the CEO. Kohn has worked in private equity for 25 years and started a firm called Rizvi Travers which invested in pre IPO tech companies. They were the largest investor when Twitter went public and invested in Facebook, Snapchat, Square, SpaceX, Instacart, and Uber.
In 2011, Kohn partnered with Hugh Hefner and took Playboy private. Kohn became the CEO in 2017 with the goal of revitalizing one of the largest, most recognizable brands in the world. Since becoming CEO, Kohn has been shutting down most of the legacy business and most recently discontinued producing a domestic magazine. He's focused most of his attention so far on growing the high margin licensing business and direct to consumer business, transforming Playboy into a consumer lifestyle brand focusing on 4 categories:
Kohn is also placing a strong emphasis on appealing to women and young people, something that Playboy had never done in the past. Over the last 3 years, the female audience has grown by 70% and 90% of their audience today is under the age of 40. Out of the total e-commerce sales, 40% of customers are women.
Financials
Playboy is already a profitable business. They have a highly efficient, high margin business model that accelerates with growth.
For the first 9 months of 2020, Playboy grew revenue by 78% from 57 million to 101 million and grew adjusted ebitda 129% from 9.5 million to 22 million. For 2021, they reaffirmed guidance of 167 million of revenue and 40 million dollars of ebitda. By 2025, Playboy is conservatively projecting 296 million of revenue and 140 million in ebitda, but expects it to be much greater. It's also important to note that they have over 400 million of forward booked minimum guaranteed cash flow, but they only recognize 67 million of that today, so the actual revenue numbers are much higher.
Playboy's business is monetized in two primary ways, licensing and direct to consumer. Licensing is a key part of the revenue stream and they anticipate it more than doubling moving forward. However, Playboy is extremely excited about its growing direct to consumer business as well which I will dive into in the next section.
Growth
Playboy has huge growth opportunities in each of their 4 product categories. First I want to point out that Playboy is HUGE in China and it's growing rapidly in India. In China, Playboy is one of the leading men's apparel brands with over 2500 brick and mortar stores and over 1000 e-commerce stores. Playboy sells products in over 180 countries and is the 17th most licensed brand in the world.
Style & Apparel:
Over the last 3 years, Playboy has partnered with Pacsun, Misguided, Supreme, and others. The Pacsun and Misguided businesses have increased almost 15x over the last 3 years. Playboy also launched Playboy Labs and partnered with Steve Aoki to promote the brand. Playboy intends on transitioning this business from a pure licensing business to a direct to consumer business going forward. They have future collaborations with Yandy planned as well.
Sexual Wellness:
The sexual wellness category is a 240 billion dollar industry today and is projected to grow to 400 billion by 2024. Currently, the industry is fragmented and made up of small businesses with no ability to scale. Playboy is poised to become the leader in this category through strategic acquisitions of existing companies and by growing its product offerings. Yes, I'm talking about lingerie, condoms, sex toys etc. They recently acquired the sexual wellness retailer Lovers for 25 million and expect them to add 45 million in revenue over the next 12 months. They are planning on making more strategic acquisitions in this space moving forward to become the leading direct to consumer brand in this field. They also began offering online sexual wellness classes for women, which have seen large growth since inception.
Gaming & Lifestyle:
The growth opportunities in this category are huge. Playboy is diversifying into online gambling, mobile gaming, CBD/Marijuana, and virtual reality. They have a social club/poker room opening in Houston this year in addition to their casino in London. They currently have partnerships with Microgaming as well as Scientific Games for mobile gambling apps like slots and poker, with plans to build more. They are also planning on entering the sports gambling market through partnerships with well known sports betting operators.
Moreover, they recently launched an exclusive furniture collection on Wayfair and plan on offering more in the future. They currently offer 3 CBD products and have plans to enter the legal marijuana market when it's legalized at the federal level, which might happen soon under the Biden administration. As of now they sell Playboy branded smoking materials like ash trays and grinders. They are planning on launching 4 more CBD products in 2021. Lastly, Ben Kohn said that experiencing Playboy through a virtual world format is something that is "extremely interesting to us". He gave an example of the Travis Scott and Unreal Platform collaboration.
Beauty and Grooming:
Currently, Playboy offers men's and women's fragrances and color cosmetics in Europe. They have plans to expand their product line and enter the North American market this year. In China, a place where Playboy has a large market presence, Men's grooming is one of the fastest growing categories and an area that Playboy is not in today. They are planning on entering this market in the near future with Playboy branded skincare and grooming products.
SPAC Merger
Playboy has a DA with Mountain Crest Acquisition Corp, $MCAC, with the shareholder vote taking place THIS TUESDAY 2/9/21. Once it's approved, the ticker will change to PLBY shortly after. One of the great things about this deal is that there are absolutely no warrants outstanding, meaning there will be very little dilution. They only have 1/10th of a right per share outstanding which automatically convert to common stock. Upon completion of the merger, PLBY will have only 37 million shares outstanding, which is a very low float. Any increase in volume and demand will send the stock price higher.
After the merger, PLBY will have a market cap of approximately 413 million. For comparison to other global brands, Nike's market cap is 185 billion, Disney's is 329 billion, and Lululemon's is 45 billion. Now I'm not saying Playboy is near those companies today. However, if they continue growing and realize their potential, they're massively undervalued.
Additionally, the management team all signed 12-month lock ups, preventing them from selling for at least one year. This is not a transaction sale, but a true capital raise to accelerate growth. They are in this for the long haul.
Conclusion
Playboy has big growth opportunities in multiple product categories to become a leading consumer lifestyle brand. They have a high margin profitable business model and a very healthy balance sheet. They have 100 million in free cash right now and only 40 million in net debt, or one times 2021 adjusted ebitda. They already have global brand awareness and the bunny logo alone has tremendous value. Ceo Ben Kohn knows what he's doing and has a proven track record of success.
It might be flying under the radar right now because all the hype is surrounding GME and EV socks. I believe when the ticker changes to PLBY and people realize that Playboy is no longer what it used to be, this has huge long term upside.
FYI: All of the statistics I mentioned are directly taken from the CEO Ben Kohn in his 1 hour webinar interview with SpacInsider.
Disclosure: Long 500 commons $MCAC
Disclaimer: Do your own due diligence too
submitted by pucklife21 to SPACs [link] [comments]

After episode 33, I really feel like we need to address the Gacha Situation seriously

This is gonna be a really long, rambling post about gacha, gambling, addiction, psychology and ethics. If you want the TL;DR, here it is: Joey and Garnt are at the very least irresponsible influencers, and at the very worst they might have a serious addiction that stems from a low dopamine life-style.
We all most likely watched the episode and know what happened and what was talked by who, but for further context, if you are unaware of anything, even after the memes, on the last episode of Trash Taste Podcast, specifically in the last 40 minutes of it, the Boys discussed (and argued) about the gacha game scene and gambling addiction. You can check it out on the sticky post on the top of the subreddit front page.
To cut it short, Connor argued that gacha games are just as if not more dangerous than actual gambling, specifically for a few reasons. First, it is a game of no return. In real life gambling, you can (fleetingly) get real money back from it, and even make a considerable profit. Gacha games simulate the act of gambling while offering no significant reward or value other than a measle amount of dopamine and a cute character to play with. Secondly, the game is marketed towards older kids, teenagers and young adults on an age range of 12-25 years old, an age group where most individuals are either not mature enough to manage their money safely or even financially independent at all, with most people in this range not even being active members of society yet. Furthermore, the gacha-gambling model is largely unregulated and unsupervised by authority figures, be it responsible adults, laws or any other regulating institution.
To this, Garnt (largely) and Joey (in a lesser but still significant way) responded that, while they agree no one should be able or willing to spend such large amounts in these games, they do not pose significant harm to most people, and even further, can present justifiable value enough to be acceptable in their current forms, with minor changes. At one point, Joey expressed the idea that if these games made it difficult for him to spend money, he would mostly just not play them at all rather than go free-to-play. Garnt attempted to defend the idea that spending on these games was not necessary and going the F2P route was not only possible, but easy. He himself, however, admitted to that not being the case with him.
This is the thick and short of it. Now let me get into the main argument this post is attempting to make.
Connor's position along the entire discussion was entirely and utterly reasonable, and not only that, but even after being soft-gaslighted into being less harsh on his stance, he still was the only one willing to take the problem seriously at all.
Garnt and Joey, kn the other hand, began the discussion with an ironic and memey tone, not taking it at all seriously. When Connor's stance didn't change and his points began hitting a little too close to home, that's when they got defensive of their point and tried to appeal to various fallacious arguments and unbelievable takes. Most notably, Garnt defended that "If you have a problem with gambling or if you have poor self-control, you just should not be playing Gacha Games", which beyond being obvious, is a bonkers thing to say. It would be akin to saying "if you feel depressed or suicidal often, you should just ask for help and not kill yourself" or "if you have a drug problem, maybe don't go buy drugs". It is a statement that hides behind it's obvious correctness to take away attention from the fact that this adds nothing of value at all to the discussion,nor does it make for a suitable defense of the system that gacha ganes operate in.
The first big problem with this entire thing is that the three of them, both in the podcast and with their individual channels, have a great influencing power. Having your opinion, no matter who you are, broadcast to over a few hundred thousand people world-wide is bound to influence or resonate with some of the audience. When the person in question is a respected figure, speaking to an audience of admirers or fans, most of which at a young age, and within a subject matter of interest to the audience, the influence rate will grow even bigger. In this midst, there is statistically no way at least a handful of people didn't watch this episode and felt like they had their actions justified. Add to this that the gacha community at large is either aware but indifferent to the similarities it has to gambling, or straight up defensive of the entire model, and you have a pretty dangerous mixture of things here.
The second issue I see and hope to convey on this matter is that both Garnt and Joey seem unaware of just how scummy and messed up the tactics behind gacha games are. It's not just rate manipulation and constant advertising. The entire development process is centered around creating the perfect space for you to spend copious amounts of money without feeling that you really spent them. It goes so much deeper than just making cute girls to sell you. From the game page on the app store you get it from to the main menu, to the game design, to the in-game systems, to the rates, to the promotions, to the update cycle, to the end game, to the daily challenges, EVERY LITTLE ASPECT of it is engineered to rewire your bain into believing that it's not that bad to spend, and having the desire to do so more often than you reasonably would.
This is a very important one, amd Connor briefly touched on it in his rant. Cassinos, actual gambling places, build and thought to make you spend and lose, are like a glass door compared to the five inch lead wall that is the gacha strategy. They show you the rates at all times. They offer you the option to set yourself a limit. They make you aware that you are spending money, they cap the age at a minimum of 21, they have a lot of systems in place to control bad spenders. Of course, most of those came from law and regulations, but even before that, back in the 18th amd 19th centuries, no normal adult would advocate or defend that 12 to 18 year olds should be able to gamble real money into pieces of paper or cardboard cutouts. So imagine thinking, for even a moment, that what gacha games do is even close to okay. It is not, by any measure, morally, ethically or lawfully, okay.
But it gets worse. Way worse. Here is where I began actually worrying about the boys, in particular Joey and Garnt, the latter most of all.
They seem to actually believe that the above exposed is somehow justifiable based on little doses of dopamine, memories and the abstract idea of "the experience" you get. They compare spending ONE HUNDRED DOLLARS on a game to get TWO DIMENSIONAL IMAGINARY GIRLS to a night out with friends where you spend a hundred dollars in food or drinks.
What the actual f*ck.
This is not just bad. It's really, really bad. It's unreasonably and unbelievably absurd. It nearly collapses the entire concept of reality from just how bad a take this is.
No. No, no, no. NO. In no way, in no conceivable theoretical way, one of those things is comparable to the other. Never. This is the type of thing that depressed people tell themselves to justify self destructive behavior. Spending copious amounts of disposable income into games just to get "a daily dose lf dopamine" going is insane. Just for reference, you can get dopamine for free by doing any of the following:
Exercising
Finishing a task-list
Cleaning your room
Working on a passion project
Playing any sport, specially with friends
Going for a walk with you pet
Having a conversation with a friend or significant other
Having a good meal
Waking up from a good nap
Watching a fun movie
Traveling
Hiking
Riding a bike
Radical sports
Reading a good book
Seeing a long-time relative or friend you missed for a long time
Getting a hug
Having sex
Sleeping cuddled with you SO
Holding hands
Kissing
Watching the sun set/rise
Going to the beach
Camping
Playing an actual good videogame that isn't f*cking Genshin or FGO
This is not an exhaustive list. It's literally just things I thought off the top of my head while writing this. Some of those activities require some money to do, and some are impossible during the pandemic. But most of them are free/cheap and easy to do at home or with little to no contact with anyone.
If getting a good pull in a lootbox virtual casino is the best way you can think of to get any dopamine release, or if that release is so significant to you as to justify spending more money than some people make in a week, then I'm sorry, but you have a serious problem. I mean it. I know the Boys can do most or all of those things listed up there and much more. I know for a fact they are not in a situation of loneliness, vulnerability or isolation, even in the current world situation. So why is it that Garnt thinks gambling is a good solution for boredom in the quarentine? Or why did Joey insinuate that making it harder for him to spend money would just make him drop the game?
And if these two, that as I said are in a very privileged spot of having easy access to healthy ways to produce dopamine and conquer isolation, are having this kind of relationship with these games, what's to say of people around the world, including many of their listeners/viewers, who either live alone and/or have no perspective of a successful career with easy access to basically limitless disposable income like they do? What's to say of the teenagers who spend all night up playing games, watching anime, jerking off and stealing their parents' credit card to buy pulls? What's to say of the depressed university students who have a shitload of debt thrown at them and live an isolated, virtual life right now? What about them?
Joey and Garnt might not have any problem controlling themselves, or have enough money to waste such that a thousand dollars into gachas doesn't feel unreasonable, no matter how actually unreasonable it is. But they are either ignorant of the actual problem, or (and I sure hope I'm completely off on this one) completely unemphatic to their struggles. Because "Just don't play" is not a thing someone with empathy for the gambling addicts would say. Connor was deadass on this one.
And that leads us to the final nail in this horrific, goldplated coffin. The memes.
Yes, the memes.
There are so many memes. Garnt mentioned that "no one memes on the guys going bankrupt" while doing just that for half an hour. The entire gacha culture is basically a serious sociological and psychological problem deep-rooted into the heart of the zoomer generation. And yet it wears a mask mad e of memes, that hides the actual problem under a nearly impenetrable layer of irony, self-pity and depressive jokes. But the subject is not that funny under the magnified lens of a closer look.
The easygoing demeanor with which gacha addicts and casual underaged gamblers treat the entire thing is so light on the mood, so soft on the eyes, that you may just forget that those people might be ruining their lives. It's not a joke. It should not be treated like one. The meme culture around gacha fames has created more gambling addicts among 15 and 16 year olds than any illegal casino would ever dream of. These young people are just laughing away ridiculous sums of money for a teenager to spend, and feeling none of it until it is too late to go back and give up.
I am not trying to guilty trip any of the Boyys here, nor am I accusing them of being apologetic of underage gambling. I'm just trying to put this entire thing under a serious light. Because it needs someone to do so. This post comes from a place of worry and love, not one of disrespect or accusations. I simply want the Boys to look at this in a responsible way.
I might be talking to the walls here. I might really be just shouting in the vacuum. But if I can try to make my voice be listened to, I will. Because I must. If you read all the way down to here, I have two more things to say.
One is: please, do not let the monetization model these games operate in get to you. If you've spent any amount of money on them and feel tempted to continue, I insist you don't. If you have only ever played them without spending, and are still having fun, you're free to do so, but tread carefully.
And the other is: gacha mechanics can ruin much more beyond your financial wisdom. They are actively harmful to the games industry as a whole. Instead of making good games out of passion, these developers are being led to create mediocre games out of greed from the higher ups. If gou care about gaming at all, or if you just give a shit about an industry many people love, I request that you understand why gacha games are a bad sign, and that you spread that awareness, if you can. This is a really important subject to me and I think ut should be to other gamers as well.
Thank you for reading. Have a great day. Save your money.
P.S.: Garnt, Joey and Connor. If you guys read this, I love you and what you do. I listen to this podcast almost religiously, and I really enjoy all of it. Please, take care of yourselves and have a great 2021. Peace. (This is a shot in the dark, the chances of them reading this are so low I feel almost stupid. But hey, I tried huh?)
submitted by i_need_helpguys to TrashTaste [link] [comments]

I have been announcing to friends more often and more confidently that I will not ask out guys- the responses have been interesting

Ive recently met a HVM that im pretty sexuality attracted to, we have known eachother for a while, but i haven't seen him in a few years and he is single this now- I was having girl talk with my bestie and describing this guy, and eventually she was like "so whats gonna be your next move and I said confidently "Oh no, Im not going to ask him out, I dont ask guys out. " and my best friend (she in LTR with a prettyHVM but she definitely worked hard to get him to where hes at) but she sort of didn't get it, like i suppose I used to plan shit like that, but I feel so good just being like, no, thats not my job and i dont have to think about that. My bottom line is I dont want to have a relationship - or explore a relationship with any man who doesn't as a bare minimum have the confidence and interest in me to ask me out. Another male friend I was talking too about this other guy that I have known in a work setting for years and has been in relationships and also single more recently I have always had sexual tension with- I think we both find each other attractive, but when he became single he turned into the biggest man whore- but I feel like he had a madonna / whore thing where he would confess love for me when he was off his face and I was put off and never went there despite how we had some chemistry and we haven't worked together for ages and anyway time passed and he seamed to have grown up and reflected or whatever and I saw him again for first time recently and really he gave off a vibe of having missed me alot and having strong feelings for me still- so I asked a mutual friend (while drunk) if it was my imagination or if he gives me a vibe and friends was like yeah probably whatever just ask him out- and I was like, "Oh no I wont ever be asking him out" and reaction was like 'what why how'? like it was so unreasonable, and Im thinking now, why? Im literally not harming anyone or leading anyone on- like If this guy or the other asked me in a date i would go TBH. And Its not that I am affraid of rejection (im not , and I doubt they would reject me anyway) The Man asking the Woman out is the only foundation anything good can flourish on (not guaranteed obvs) As soon as the woman asks out the guy, the guy sees her as free/ expendable. even if they are HV they will see you as expendable or too easy to be HV. Men treat women who ask them out the way they treat money won from casino- like - it came so easily and freely i have nothing to lose- this girl just wants my dick - Im gonna give it to her- or this is my chance to ask a girl to do some freaky kink or anal- because she asked me out its a bonus round easy come- easy go. - or put her in the wings for back up when i get horny. To add to this women have been brainwashed by the trope of "bUt WhAt If HeS ShY" its BS. Shy guys ask out girls that they really like. Ive been asked out by shy guys heaps. Infact shy guys do ALOT more asking out than "confident" guys. So enough with that- and who wants to date a guy that liked you but was too nervous to ask you, especially when liking a person so much that you ask them out even though you were shy is LIFE teaching you to become a MAN and overcome insecurities and face possible rejection. Ive been there ive been rejected sure its embarrassing and hurtful but can we stop acting like this is the hugest burden for weedy white guys? on this note "confident " guys get asked out by girls ALL the time, and thats why they dont ask you out its not that they are shy its that they used to girls swinging off their dick and doing all the approaching and asking out- so they actually have had zero practice and dont know how too- (dw these guys hit 40 after being casual FWB with hundreds of women and lose thier looks and confidence and become very tragic)
My choice to not ask out ever again is only going to effect me positively and not have any bad effects for anyone else. It's amazing being this stress free- I dont have to actually strategise anything I can have inclinations and preferences towards guys I think are Hot and HV but I dont have to do anything unless they ask me out in a dignified and respectful way, and if they dont then I know thats not for me. Its funny how this isn't normal and when I say it I feel like people want an explanation or think im being unequal or unfair but I am the one who living with my choice and the only argument against it seams to be "some shy guy is missing out on getting laid easily" haha boofucking hoo. Has anyone got any evidence of a girl asking out a guy and it being Happily ever after? or whi has story of asking out a guy and it ending in the bad/ confrontating sexual discomfort?
submitted by EffectiveHoneydew422 to FemaleDatingStrategy [link] [comments]

Scopely, your frustration mechanics are working old friend

What is wrong with this game? I listed a lot of reasons but if you don't feel like reading just read a few of them and I would have made my point.
TLDR: You are on a journey to finish a task. But you only have a few small drops of resources, while there is an ocean of requirements necessary for the task to be completed. You start to see that the outcome of your task is not worth the hurdles. The journey is no longer fun after you realize that you have been always walking on the same path and are destined to do so forever.
Bottlenecks
LITERALLY everything in this game a bottleneck. Training mats, gold, T4s, orange gear, red star orbs, promo creds, even purple gear lmao basically everything needed to get your toons up to a level beyond the power requirement in 2018 lol. All the reward systems are outdated and basically the same since level 60 was the cap. Why would I ever buy a $100 character if I don't have any resources to upgrade them? It's gotten to a point where even whales have to do diligent resource management. It's absolutely crazy that a whale has to pick and choose who he can take to G15 after spending thousands of dollars. The new raid rewards are also terrible for the amount of effort and resources you need. You get less of everything else then U7.5 except 250 G15 fragments (@30%). Great in 8 days you get a few G15 pieces but you already had you had to invest a mind blowing amount of G15 pieces, T4s, promo creds and other precious resources to get your toons ready.
Gameplay
The main game modes aren't fun at all, more like a chore (except war but that's also becoming pretty much the same matchups all the time at this point and requires a huge time sink). Always the same auto raids, auto blitz, auto RTA...etc. All the new content is basically just a more difficult version of the same boring shit. Raid sliders, the brilliant invention they came up with "the same shit with 100% increase in stats". RTA is a "new" game mode BUT IT SUCKS, you literally play it for 30min a day hoping for it be over as soon as possible, the same feeling you get when you have to clean your gutter. I mean they got feedback that it sucks yet they made their battle pass around it. Where are some fun innovative concepts like 1v1 war or I don't know come up with something.
No investment is being made into this game at all. Where is all this money we are paying for new toons going? I mean really not everything can go into your pocket where is the reinvestment? You're telling me that I have to pay $50-100 per toon each month and I can't even get fucking fun new content? Look at a company in the entertainment space, Netflix charges 8EUR a month and constantly has fresh and exciting new content. Is all this just a cash grab or is there really a long-term future here?
Bugs
There have been so many bugs and they just keep on pilling up. With the crazy expensive premium prices in this game there should be no bugs period. It's like you buy a really new expensive state of the art computer just to find that you have some stupid annoying problem like space and enter buttons not working. It's more the principle that is in question and it really just emphasizes what they do with our money, instead of fixing bugs and hiring better QA people they just put the money in their pocket and release buggy EXPENSIVE products. Also on top of that when it's a bug that benefits us it gets fixed in under 15 minutes, but when its a harmful bug (like the numerous phoenix bugs) they take their time and fix it whenever they want.
Team synergies
There is just so much cookie cutter teams that you need all 5 characters for that specific team to work, which is restrictive and makes the game loose it's potential. It would be so much more fun if you could theory craft and the synergies were more mechanical. Then things would be more interesting and the game would feel less repetitive. It's crazy that you have two different X-men teams and if you were to mix & match them you would get a shit team, which completely goes against the lore. On top of all that you release a game mode RTA, which shows just how bad things get when you go against the cookie cutter business model.
Time-sink
1.5-2h of playing time requirements per day when you have a 6-8h free time day (assuming 16-18h for work and sleep) is a lot of time, end of story.
Red stars
This system sucks plain and simple. Everyone knows it, now content requires 6 rs. Please tell me how can I get 6 rs for good toons when the drop rates are so low (without getting lucky). Exactly the same concept as a casino, where you can spend thousands of dollars and still not get lucky at all. You release 4 toons a month now, and we only get 5 rs a week, even with hoarding you cannot keep up with that. Yet we need at the bare minimum a 4rs just to be competitive.
Conclusion
There are just so many things wrong, each patch gets more and more disappointing. It's becoming increasingly difficult to keep up with the constant player releases, events, blitz's...etc. The content is just getting more and difficult while the rewards associated with that content are increasingly becoming shit.
I use to spend a lot on the game but now I just don't have the resources to keep up new toons so I don't purchase the offers. Additionally I haven't seen a good offer in ages so I also just stopped purchasing in general. Even during Christmas arguably the happiest time of year, they were greedy beyond belief and the offers were insultingly trash.
My theory is that we are just financing Scopely's debt from the acquisition and whether or not we like the game seems irrelevant. I don't see the long-term strategy here as things stand now, hope that changes in the future. The main reason I am still playing atm is because of the sunk cost fallacy, I know its crap but I just can't imagine wasting all that time and money and then just quitting, feeling that all of it was for nothing.
I know it's a bit of a rant and generally I'm a really positive person but I spent so much time on a once great game just to see it crash in a iceberg with no future ahead makes me angry. I get that everyone has their opinion, that is fair and totally respect that. I think that the game has a lot potential if Scopely starts making better decisions.
submitted by how_yes_no to MarvelStrikeForce [link] [comments]

Some financial advice I found here (KEEP IN MIND I DID NOT WRITE THIS SOMEONE ELSE HERE HAS AND IM REPOSTING IT BECAUSE IT GOT DELETED)

Alright Kids.
I’m 31 years old, and I look back on the last 11-13 years and wanted to share some financial advice, advice I wish I received from my parents or teachers when I was in high school. This is a little letter to my teenage self, and I think you will all find a lot of great ideas.
I look back and realized if someone would had told me the following, my life would be very different. I have been very successful throughout my life but was never taught how to invest money.
Investing is not for old people, it’s not for people in their 30’s and 40’s. It’s for you, on your 18th birthday.
When you turn 18, you are legally able to invest money for your future. On your 18th birthday, you should be opening an investment account.
For example, let’s pretend it was 5 years ago. On your 18th birthday, you had $1000 dollars saved. Let’s say you bought the following stocks, with your $1000 evenly across them (these are all examples that are high growth areas that I have looked at and invested into).
-CrowdStrike (Cybersecurity used by big companies)
-AMD (Computer parts)
-NVIDIA (Computer parts)
-Netflix
-Zoom
-Okta (Security for big businesses)
-Trade Desk
-Zynga (Digital Games company)
Tesla
If you put $1000 dollars across all these shares evenly, and then put in 10 dollars a month by year 5 you would be sitting on $73,000. By year 7 you would be sitting on almost $400,000. By year 10 it would be worth $4.84 million dollars. This is all based on 5 years of past market data.
All up you would have invested $2190, and in return in a decade if you kept investing every month that 10 dollars, and never touched the original $1000, you would be worth almost 5 million dollars. Imagine being 30 years old and having $5 million to then be able to invest responsibly even further… you would be able to work part time in a job you loved and didn’t hate, and just enjoy life.
Now the past is NOT an indication of the future – but the point of this exercise is to show you if you are smart and invest in big and emerging companies like Apple, Netflix, Trade Desk, NVIDIA etc, over just a mid-long periods of time you could very well retire in your 30’s and live debt free for the rest of your life
PEOPLE DON’T TEACH YOU ABOUT MONEY BECAUSE THEY WANT YOU TO WORK FOR THE REST OF YOUR LIFE.
The education system is set up in a way to try and enslave you into work for the rest of your life. Don’t let that happen to you. If you be smart in your 20’s, you will be set for the rest of your life. They want you to slave away in a job that doesn’t pay you well, to retire with benefits that they will eventually take away from you. Don’t let the system do that to you. The dickheads on wall street also make it sound far too complicated and scary for an average person to get involved in. They will throw around terms that you don’t know, and it's all to try and confuse the sh!t out of you. They want to make money, and they want you to work the minimum hour job so that company can keep making huge profits of your misery.
My advice is to read read read. Read and learn how the stock market & shares work in companies. Learn about dividends that companies pay you every month for just investing in their company. Learn about taxes and how it could affect you.
YES – this stuff can be boring to read, and you might not find it very exiting as hours of scrolling on TikTok or Reddit…. But your future self will thank you (and maybe thank me).
Watch an hour of CNBC every week and get to know what they are talking about with financial news. You might find it painfully boring, but really listen. Listen to what they are talking about with trends. Listen to what’s happening in the world of financial markets. Watch the opening bell program at 9:30am Eastern and learn how it works, and what they are talking about. LISTEN LISTEN LISTEN. Take Notes.
Read a website called Motley Fool. Read Market Watch. Read Yahoo Financial.
Watch interview Youtube with Warren Buffet. Listen to what that guy has to say – he has amassed one of the greatest fortunes on earth from simply reading, and understanding how companies work, and investing in the right ones.
DO NOT look at your stocks and shares every single day. There WILL be days you see them go down, but just remember that you are not worried about this, you are looking at years from now. It is scary to see a stock drop 5% on a day and your money vanish. Just remember – it is only a LOSS when you sell. You have not lost a CENT until you press that sell button.
BUY LOW, SELL HIGH. ALWAYS.
BUY IN BIG NAMES
There is a lot of “experts” out there that will try and tell you about this great new stock and its very low and it’s about to explode. These are called penny stocks – go see Wolf of Wall Street to learn more.
These are super risky stocks that will skyrocket only a small percentage of the time. There is SO much money to be made in a 10-year window if you invest in just the safe big companies. Don’t be a schmuck and put 1000’s into a company selling its stocks for $1.98.
Be smart, play it safe and you will increase your odds of that goal of having a million in the bank by a large percentage. Yes it might take an extra 4 or 5 years, but in the grand scheme of things would you rather that then lose all your money to a scam company that goes bankrupt?
There is a thing now called “fractional shares” which means for the big boy stocks like Amazon, you can own just a small percentage of a share. That means you will still get some performance of a single share of amazon, but just on your fraction. If you keep putting your 10 dollars a month evenly across your shares, you will slowly grow your share amounts.
For example. I have .8943 of a stock in Amazon. It is worth 2,264, where a full stock is worth 3,198. I have slowly built this up over the last month and already my investment is up $133 dollars or 6.26%. I have put a little bit of money every day into this stock, and every day it goes towards my goals.
This is an amazing time to be alive for young people & investing. You can put even just a few dollars per week towards a big expensive stock like Amazon, Google etc. – and still earn the same rate of reward as the big-time investors. And you can do it from your phone or computer!
DO NOT USE WALLSTREET AS A CASINO. DO NOT BET IT ALL ON 1 SINGLE STOCK. Spread your money out over 15 -20 stocks. Look at what some of those websites I mentioned are talking about. Read the forecast for the future. Learn what the companies make and do. Think logically – what could this product / industry do in 5-10 years time.
That’s pretty much it guys. I just wanted to really write something that I wish I read when I was 15 -18. I regret not knowing how stocks worked until last year. I regret not being more in-tune with financial news, but I am trying to make up for it now.
Don’t be like me. Start putting that 10 dollars a month, 5 dollars per week, whatever you can afford towards your future by the time you hit 30 – you will be in such a wonderful position.
Just remember – THEY DON’T WANT YOU TO KNOW HOW TO INVEST / WHAT TO INVEST IN & MAKE IT SEEM SCARY BECAUSE THEY WANT YOU TO WORK YOUR 9-5 JOB FOR UNTIL YOU TURN 70. Don’t let the bastards do that to you.
On a more personal note - since this is kind of like a letter to my self. Things get better. As a kid that was bullied, harassed & tormented through High School... if you put your head down, you just work hard, amazing things can and will happen. Be your beautiful individual self. Don't chase those who don't want you. You will find your place in the world, it just takes some time.
I didn't have much of a future when I was your age, but I found my passion in life and I was able to build a pretty cool life out of it and was able to travel the world and have visited over 90 countries. Keep that chin up, keep smiling, and know that you are loved, cherished, and valued. You have SO much to contribute to the world, and you will. Don't let the bad guys win.
REMINDER I DID NOT WRITE THIS SOMEONE ELSE HAS AND I AM REPOSTING IT BECAUSE THE ORIGINAL GOT DELETED
submitted by TheNotoriousEngineer to teenagers [link] [comments]

I went from minimum wage to 6 figures with no college after being a deadbeat for 18 years. AMA

I am posting this because I see a lot of young people failing and I see a ton of my past self in them. I want to help other's empower themselves, to be able to pursue their dreams, and enrich their lives as well as those of their friends.
I was a massive loser most of my life. Do you know that guy you've seen drunk at the local bar for the past 15 years after graduating High School? The roommate who buys a new graphics card/console every 6 months making minimum wage but never pays rent on time and says it's cause he "doesn't get paid enough"? The guy who boomerangs back to this parent's house every other year because his bank account is perennially +-$20? The guy who has been going to Junior College for 12 years? I was that guy.
Started work at the age of 15, my first job was McDonalds where I was slangin' nuggets for 4 years.
The jobs I've had since then were:
I was terminated for not making my sales quota at Sprint right before the great recession started in 2007. During this job seeking time I was in a group interview with 20 men, most ex-military, competing for two jobs to haul junk off people's property. I also didn't even get a call back when I applied to clean restrooms at a community pool. Those were really fun times. The existential dread of seeing no future was all consuming ,the depression was real.
It was a few years after this that I changed my view of the world and my approach to life, this is when I found a career. At the age of 33 I went from $32K a year to $100K. From bussing tables to travelling across the country to meet clients and coordinating expensive large projects. No expensive and lengthy school, no get rich quick, no nepotism, no new age crystal "manifesting with your mind" horseshit.
How?
The short version is I got up the nerve/drank enough to sing karaoke for the firs time in my life(Everlong by the Foo Fighters \m/), made a friend who offered me an entry level job in the wine industry, and after truly applying myself for about 5-6 years I went from bussing tables to closing hundreds of thousand dollar deals. This is a simplistic description of my success, my change in attitude was the key.
If you want some career advice from a former scrub, ask away.
submitted by The-Nathanimal to AMA [link] [comments]

Chapter by Chapter Summary of Comprehensive Research on Discrimination Against Men in Finland (PhD Thesis)

What can you do as an MRA?

Main Body - Here it is:

This is a chapter-by-chapter summary of Discrimination Against Men: Appearance and Causes in the Context of a Modern Welfare State, a 2009 doctoral dissertation by Pasi Malmi (University of Lapland) that provides an impressively detailed and balanced investigation of discrimination against men in Finland (the theory and results actually give almost as much detail on discrimination against women, although men will be the focus here).
Chapters 5 to 8 are the most important. Chapter 5 explains six biases that cause gender discrimination, chapter 6 delineates the patriarchal and matriarchal subsystems of Finnish society, chapter 7 examines the various discourses that justify discrimination against men, and chapter 8 analyzes a database of gender discrimination complaints made to the Finnish gender equality ombudsman, a third of which were made by men.
(Length: 1,800 words.)
Chapters 1 to 4 (introductory/background chapters)
Chapter 1 situates the perspective taken by the dissertation within gender studies. It rejects anti-feminist and anti-women perspectives, and the glorification of traditional masculinity and gender roles (e.g., the mythopoetic men’s movement). But it also rejects the “critical studies of men” paradigm, which sees men as the main causes of men’s and women’s problems, refuses to criticize feminism or women, and does not believe that discrimination against white, heterosexual, middle-class men exists (pp. 20–21).
Chapter 2 defines various relevant concepts, and explains that the findings from Finland are intended to be relevant primarily for the Northern European welfare states, and secondarily for other European and Anglo-American countries (pp. 32–34).
Chapter 3 gives a brief overview of current or traditional viewpoints on what causes direct or indirect discrimination or mistreatment of men: gender roles, hegemonic masculinity, industrial capitalism, feminism (specifically gender feminism and victimization feminism), and exploitative women (pp. 36-44).
Chapter 4 develops a theory of sociocultural evolution, which says that ideas that are simple, exaggerated, and coherent with popular paradigms generally win out over their rivals, regardless of whether they are true or backed up by evidence. This happens due to functional selection (p. 57), unintentional biases (p. 63), and interest group bias (p. 71), among other factors (see summary, p. 115).
Chapter 5: Applying the Theory to Gender Discrimination (p. 118)
This chapter develops a general theory of gender discrimination, centered on a typology of six different biases that cause gender discrimination (p. 127).
The masculine bias and feminine bias are unintentional gender biases caused by the processes that simplify, exaggerate, and mutate people’s mental memes or ideas according to their gender (p. 127). For example, a person’s conception of domestic work or childcare will be centered on their own experiences or contributions, which are partly determined by their gender, and so they will often downplay/exclude the other gender’s contributions (e.g., yardwork vs. housework) (pp. 135–138). As a result of these biases, segregated groups and networks of men or women tend to have a masculine-biased or feminine-biased culture of values, priorities, concepts, words, stories, jokes, stereotypes and beliefs that can lead to practices that discriminate against the other gender (p. 120). For example, a group of female social workers might decide that women are better custodians of children and default to recommending custody to them (pp. 141–142).
The masculist bias and feminist bias come from interest groups, networks, or movements seeking to advance the status of men or women, respectively. Masculism and feminism have sexist and anti-sexist branches (p. 143). The modern sexist branch of feminism includes theories like feminist standpoint epistemology (which gives special status to women’s feelings and intuitions) and the feminist theory of social work (interests of women and children are synonymous, social workers should identify with their female customers). It also includes stereotypes that women are unselfish, peaceful, responsible, loving, hard working, while men are the opposite (pp. 149–152). The anti-sexist branch of feminism by definition is less hostile towards men as people, but it is not necessarily able or willing to accept men’s issues: “[i]n general, the idea of the discrimination of men is perceived as bizarre by feminists” (pp. 155–158). The sexist branch of masculism is discussed primarily in the context of religion (pp. 144–129). The anti-sexist branch of masculism has little power, although it is discussed as sometimes being the source of biased statistics downplaying women’s issues (pp. 152–155).
The alpha male bias and alpha female bias are the biases of high status (wealthy, powerful, attractive, etc.) members of each gender against low status members of their gender. They are particularly apparent in high status men’s bias against male criminals (male judges giving harsher treatment, including sentences, to them compared to women) and high status women’s bias against female prostitutes (pp. 170–173).
A central point of this dissertation is that male-dominated and female-dominated organizations (the patriarchal and matriarchal subsystems) are prone to predominantly discriminate against the other gender, but it’s important to clarify that they’re not guaranteed to do so. The masculine and feminine biases (the unintentional “own gender” biases) are just two of the six biases. An organization could be more influenced by the ideological biases (masculist and feminist biases) or the biases against low social status people of each gender (alpha male and alpha female biases).
Chapter 6: Locating the Patriarchal and Matriarchal Subsystems of the Finnish Society (p. 188)
This chapter identifies Finnish society’s patriarchal and matriarchal subsystems by looking at various measures of power, including raw numbers, managerial positions, control of knowledge, and informal positions of power (p. 222).
Not all areas of Finnish society fall into one of these subsystems.
Chapter 7: An Empirical Examination of the Memeplexes, Discourses and Coalitions that Induce Discrimination against Men (p. 224)
This chapter analyzes the discourses that justify discrimination against men, coming from sources that include sexism and feminism.
Sexism: The development of the modern misandric versions of sexism is examined, including 19th century views of men as “barbarians whose urges had to be leashed in by the forces of decency—meaning women—if civilization were to survive” (p. 233), which it attributes to the joint interests of women and upper class men. Notions of chivalry and macho masculinity also lead to institutionalized belief systems where men’s comfort, health, and even lives are considered less important than women’s (p. 238). Macho masculinity, with its aversion to men “complaining”, tends to oppose talking about men’s issues or seeing them as relevant for gender equality (p. 306).
Feminism: Certain influential varieties of feminism see women as the disadvantaged and discriminated gender (p. 247). Thus the sole purpose of equality policy is women’s advancement (p. 256) and men are largely reduced to the role of defendant (p. 270). When faced with cases requiring a choice between promotion of equality and empowerment of women, many feminists reacted by rejecting equality as outdated or as a smokescreen for promoting men’s interests over women. Under these discourses, “the empowerment of women is more important than the advancement of gender equality in all contexts, including the matriarchal subsystem of the society” (pp. 259–260). That would apply even to women’s advantage in family courts and criminal courts (p. 305).
Also mentioned is a combination (and mutation) of difference feminism and equality feminism which says that “women are superior to men in many ways, but men are not superior to women in any ways” (p. 296)—which means that when men are ahead it’s because of sexism, but when women are ahead it is legitimate and natural.
The groups and alliances that justify misandry and discrimination against men (p. 334):
📷
Chapter 8: Gender Discrimination, According to the Complaints Sent to the Finnish Equality Ombudsman (p. 346)
Complaints: This chapter analyzes 800 complaints of gender discrimination made between 1997 and 2004 and sent to the Finnish equality ombudsman (p. 348). Men were 33% of victims, according to the author’s suggestion for the best measure of actual discrimination in these cases (outcome types 3–5, p. 356). Labour market discrimination, the largest category, primarily involved women (76%), while the second largest category, discrimination against customers, primarily involved men (~60%).
Another category, discriminative legislation, primarily involved men (77%). Few complaints were made, but due to active conscription policies (lasting 5-12 months), almost all men in Finland are affected by discriminative legislation. The author classifies these complaints as discrimination, although the equality ombudsman does not, “as the Finnish equality law is not applicable to men’s obligatory military service” (p. 354).
Bias: Per chapter 6, equality policy itself is in the matriarchal subsystem of equality (e.g., 90% of employees in the equality ombudsman office are female, p. 354). The ombudsman has a policy not to comment on complaints involving custody and divorce, purportedly to not interfere with the court system, but the author suggests that it stems from a bias against men, perhaps due to prioritizing women’s status over equality or wanting to avoid a flood of complaints from men (p. 354). This is made more explicit by another comment from the ombudsman’s office saying that it is not taking action on certain cases of discrimination against men because “the main purpose of the equality law is to improve women’s status especially in the labor market”, suggesting that the law should be applied more strictly to cases of discrimination against women (p. 381).
Patriarchal & matriarchal subsystems: 57% of discrimination cases in the matriarchal subsystem of society (as defined in chapter 6) were against men, compared to 31% in neutral domains, and 17% in the patriarchal subsystem of society (p. 358).
Discrimination examples: Many cases of discrimination against women (e.g., a workplace that only required women to do extra cleaning tasks on top of their regular duties) are recounted on the same pages but we’ll look at men here.
Likely motives: Two alternative rating methods (tables 52 and 53) find that either (certain) feminist ideas are the most common motivators of discrimination against men, or sexism and the feminine bias are the most common motivators (feminine bias meaning unintentional gender bias of groups of women, counterpart to masculine bias of groups of men). Financial motives were also frequent (pp. 401-402).
SOURCE: https://becauseits2015.wordpress.com/2017/10/22/comprehensive-research-on-discrimination-against-men-in-finland/
submitted by mhandanna to LeftWingMaleAdvocates [link] [comments]

What investors need to watch for in 2021

With the conclusion of the 2020 elections and the inauguration of President-elect Joe Biden on the horizon, it's time to take a look at what things as investors to watch for in the coming year. We are now beginning to get a picture of the balance of power in Washington and how that is going to affect the markets and investing. Let's analyze what is likely to happen and what you need to watch for.
  1. Stimulus: For several weeks now, the folks in Washington have been debating back and forth about another round of stimulus money for the economy as a response to the COVID pandemic and its effect on American businesses, workers and investors. Many politicians have been calling for a $2000 stimulus check for American families. Less than a week before the inauguration, we are likely to find out what President-Elect Biden's plan is going to look like in a speech scheduled for this evening. Biden is expected to unveil a stimulus package that he describes as being "in the trillions" of dollars of federal stimulus money. We are likely to see a return to the return of a $600 weekly unemployment benefit and a third stimulus check. Biden has tweeted that he will push for a $2000 stimulus check, something the Democrats in the House and Senate have been pushing for for more than a month. Depending on how it works its way through Congress and what Biden and congressional members of his party come up with, we could end up with a plan that includes two more stimulus checks; one right away and one more down the road. Republicans may try to stand in the way of more stimulus money, but Democrats are likely to have enough votes to get more stimulus checks through congress.
  2. Investments: With the Dow and the S&P at or near all-time highs, one would think that the stock market has recovered even if the economy has not. Stocks seem completely separated from the harsh realities of other areas of the economy: business revenues, bankruptcies, unemployment and decreased travel and vacation spending. However, as the vaccine rollouts continue and as the pandemic begins to subside (which is likely to happen by the 2nd quarter of the year), there will likely be some pent-up demand on many sectors of the economy, including the aforementioned travel sector. Restaurants, hotels, casinos, airlines, theme parks and other businesses that have been hurt the most from the pandemic may see a boom in the summer and fall months. But, most sectors of the economy are likely to do better in 2021 than they did in 2020, with the possible exception of online retailing. (And even then, I'm not expecting that sector to experience a significant slow-down). We may see indexes reach all-time highs multiple times throughout the year, assuming we don't have something else unexpected come along to tank the economy once again.
  3. Taxes: The balance of power should prevent a major change in Federal Income Tax rates and deductions for at least the next 2 years. While President-Elect Biden has a tax plan that would increase taxes significantly on higher wage earners, and would raise Capital Gains taxes and payroll taxes, those plans would have to be approved by Congress. It's unlikely that Biden will get everything he wants through the divided Congress. However, even if he gets some things through congress, it could have a significant impact on some investors. Investors would be wise to keep an eye on tax changes that find their way into law and adjust their investment strategies accordingly.
  4. Retirement Planning: There were a lot of changes to retirement planning in 2020, mostly because of the Secure Act, which passed with bipartisan support. There were also provisions in recent pandemic relief bills that temporarily altered rules for retirement withdrawals. With the new balance of power in Congress, a retirement bill with further enhancements could emerge in 2021. Provisions could include such things as raising the age for required minimum distributions to 75, indexing catch-up contributions for inflation, and adding additional catch-up options for those over 60.
  5. Health care: Joe Biden ran a big part of his campaign on improving the Affordable Care Act, but the future of that law depends heavily on what happens with the case currently before the Supreme Court, and that may not be decided until the summer. “I’d put the odds of the court overturning the whole law pretty low. From that point, it’s then a matter of what the government can do administratively through the Health and Human Services Department and through current law,” says Febeo. For instance, the Biden administration may undo many recent actions taken, some as simple as widening the open enrollment period that Trump narrowed. In the meantime, at least for the first part of 2021, health care policy will ostensibly be about fighting COVID-19, rolling out the vaccine distribution, and gett
https://www.vhinny.com/p/moneywatch-2021-nw1ghz8u64
submitted by ixamnis to RedditTickers [link] [comments]

The truth about the dbrand Grip...

The truth about the dbrand Grip...
Grips. Let's talk about 'em.
If you've spent any amount of time on this subreddit, you've likely seen at least one post about a Grip case that has fallen apart. Most of you have seen several. We know this because we've seen every single one. We’d like to see less of them. Ideally, none.
Over the past 18 months, we’ve been on an odyssey to fix the underlying problem. What follows is a chronicle of that journey.
Our objectives in writing this post are three-fold. There will be a tl;dr version at the end of this post, summarizing each of the three:
  1. Offer an in-depth technical explanation as to why Grip cases fall apart.
  2. Outline the improvements we've made to the Grip case to mitigate and eventually solve the issue.
  3. Provide some much-needed context as to how widespread the issue truly is, and what our next steps are for affected Grip SKUs.
Since you're still here, you must be in it for the long haul. Assuming an average reading speed of 250 words per minute, this is going to take you nearly 24 minutes to get through. We'll try to make it the most informative 24 minutes of your life. Let's get started.

PART ONE

Why Do Grips Fall Apart?
Most phone cases are made out of a single material. The material itself varies from case to case, though the most common is Thermoplastic Polyurethane (TPU). The Grip case, as a point of comparison, is made of two different materials: an elastomer and a polycarbonate.
The word elastomer is a combination of the words elastic and polymer. That's because it describes polymers that have elastic properties - like the one that forms the outer rim of your Grip case. The elastomer that we use is responsible for two critical properties of the Grip case: impact protection and grip.
If you fell off of a rooftop, would you rather land on a hard plastic surface, or a rubber surface? If you value your life at all, you'd choose the rubber - its elastic properties would absorb much more force from the impact. Guess what rubber is? First one to answer "an elastomer" wins a prize!
Next, imagine you’re a pervert, gently running your finger across every surface of a No. 2 Pencil. Which part of the pencil do you think would provide the most resistance to the tracing of your finger? If you guessed "the eraser," congratulations: you possess a basic understanding of coefficients of friction. Erasers are made of rubber. Rubber has a high coefficient of friction because of its elastic properties.
The Grip case's elastomer isn't rubber - it's our own specially-formulated compound. It's still a useful comparison, as all elastomers share similar properties - provided they have the same degree of Shore Hardness.
One person reading this is asking: “Shore Hardness?” The next section is their fault.

A Beginner's Guide to Material Science
The Shore Hardness scale gauges the hardness of various elastomers. It can be measured with a device called a durometer. You probably don't have one.
  • Low Shore Hardness = softer, more malleable, less dense, more rubber-like.
  • High Shore Hardness = harder, less malleable, more dense, more plastic-like.
If you fell out of a building and landed on a rubber surface with a high Shore Hardness, injury or death would be much more likely.
If you used an eraser with a high Shore Hardness, you'd find it wouldn't actually do much erasing.
Now, what if you made a phone case out of an elastomer with a high Shore Hardness? It wouldn't offer much grip or impact protection.
The Grip's outer rim is made from an elastomer with a low Shore Hardness. As a result, the material is grippy and impact-resistant, but much more malleable and thus more likely to deform. That's why we bond the elastomer to a polycarbonate skeleton.
Polycarbonates don't require as much explanation as elastomers: they're a category of plastic. On your Grip case, the back plate is made of polycarbonate. The elastomer rim is bonded to the polycarbonate plate on all sides of the Grip, providing structural rigidity to the elastomer, fighting to keep it from deforming. At least, that's the idea. As we've all seen, it hasn't worked out that way.
Bonding two distinct materials together is much more complicated than gluing them together. Instead, we rely on a thermal bonding process. Basically, that means we heat both of our polymers to a degree which would turn you from “rare” to “well done” in moments. This heat melts the polymers, which we then inject at a pressure which would turn you from “solid” to “paste” even faster.
Once injected, these two materials get fused together along the seams. To further reinforce the bonds, we use a series of interlocking "teeth" to provide a greater surface area on which the bonding process can occur. Consider these teeth the mechanical bond, which exists to strengthen the thermal bond.

Pictured: Bonding mechanic between the elastomer and polycarbonate.
With that out of the way: why do Grips fall apart?
The elastomer rim around the edge of the Grip case is naturally inclined to deform and stretch. The bonding mechanisms we described above are designed to keep that from happening, but it often isn’t strong enough. As soon as the bond fails at any point, it's only a matter of time until a total structural failure occurs.

PART TWO

How Are We Stopping Grips From Falling Apart?
Philosophically, there are two approaches to take:
  1. We can investigate why, exactly, the bond between the elastomer and the polycarbonate is failing.
  2. We can tweak and iterate the thermal and mechanical bond - strengthening it to the point where it's statistically improbable that your case will fall apart.
We tried the first approach - it's the road to madness. The number of variables is irrationally large. What's the temperature like where you live? The altitude? The humidity? Do you bring your phone into environments that deviate from the ambient temperature of your location? Does your school or workplace have extremely dry air? Do you bring your phone into a sauna? What sort of soap do you wash your hands with? Do you have oily hands? What sort of food do you cook? Do you smoke? How hard do you press on the buttons? What's your angle of approach when you actuate a button? How big are your hands? How often do you take your phone out of the case? Do you remove it from the top, the bottom, the sides?
We could follow all of these roads, find out exactly which factors are causing the bond to fail, then implement preventative measures to keep it from happening - but that would take a decade. We don't have that long. Much like you, we want this fixed yesterday.
So, from the moment we received our first complaint about a Grip deforming around the buttons, we've been making structural, thermal, and mechanical improvements to the design and production process of the Grip case - some visible, some not. Every new phone release has brought a new iteration on the core Grip design, with each one reducing the failure rate, incrementally. We'll bring the receipts in the next chapter. For now, let's highlight the most noteworthy improvements.

The Most Noteworthy Improvements
The first signs of trouble were the buttons. Months before we'd received our first report of a Grip case de-bonding, we saw the first examples of buttons that had bent out of shape.

Pictured: Button deformation.
Why the buttons? Because you press down on them. The force from button actuation puts strain on the elastomer, causing displacement of the material in the surrounding area. Through a combination of time, repeated button actuations and the above-mentioned force, the case would permanently deform around the buttons. This concept is called the "compression set" of the elastomer - Google it.
The solution to this problem was two-fold:
  1. First, we increased the compression set of the elastomer. Essentially, we made it as dense as we could, without compromising on the elastic properties of the material.
  2. Second, we added relief slits surrounding the buttons - they're plainly visible on any newer Grip case model. These relief slits are an escape route for the force generated by button actuation. They also had the positive effect of making button actuation significantly more satisfying (read: clicky).

Pictured: Relief slits to improve button tactility and durability.
Another early issue, pre-dating the first reports of total de-bonding, was a deformation of the elastomer along the bottom of the case - where the charging port and speakers are.
Since we've covered the basics on how the interlock between the elastomer and the polycarbonate creates a bond, this is how the interlocking teeth along the top edge of the polycarbonate skeleton of the Grip used to look.

Pictured: First-gen interlocking teeth on the top of the Grip.
...and here's the bottom of that very same Grip case.

Pictured: First-gen interlocking teeth on the bottom of the Grip.
Notice anything? Around the charging port, there is absolutely nothing keeping the elastomer in place. No teeth, no structural reinforcements... it's no coincidence that an overwhelming majority of early Grip deformations happened along the bottom.
Since then, we’ve added a reinforced polycarbonate structure around the bottom of the Grip case. You'll see what that looks like in a bit.
So, why didn't the launch portfolio of Grip cases have mechanical interlocks or a polycarbonate support structure along the bottom?
The answer may or may not be complicated, depending on how much you know about plastic injection molding. We'll assume the worst and explain the concept of "undercut" to you with a ridiculous metaphor.

The Ridiculous Metaphor
Imagine you had a tube full of melted cheese. Next, imagine you emptied that entire tube into your mouth. Rather than swallowing the cheese, you decide to let it sit in your mouth and harden. Why are you doing this? We don't know. Let's just say you want a brick of cheese that's perfectly molded to the contours of your mouth - a very normal thing to want.
So, your mouth is completely filled with cheese. It hardens. You reach into your mouth to remove the brick of cheese. As you're removing it, you encounter a problem: your teeth are in the way. This wasn't a problem when you were putting the cheese into your mouth, but that was because the cheese was melted and could flow around your teeth. Now that the cheese has hardened, this is no longer the case.
In the world of plastic injection molding, this is an undercut. Our concern was that, by molding a structurally rigid piece of polycarbonate around the charging port and speaker holes, we'd find ourselves unable to remove the Grip Case from the mold once hardened. Imagine spending $30,000 on industrial tooling only to get a $30 phone case stuck inside of it.
Once we saw Grip cases deforming along the bottom cutouts, we knew we'd need to find a way to remove the cheese from your mouth without breaking your teeth. To make a long story short: we did it. The cheese is out of your mouth, and you get to keep your teeth. Congratulations! Now, keep reading.
On newer models of the Grip case, the result is a polycarbonate bridge extending around the bottom cutouts, adding both structural reinforcement and interlock mechanisms to promote mechanical bond, much like the ones which line the perimeter of the rest of the Grip case.

Pictured: Newest-gen structural reinforcement on the bottom of the Grip.
On the subject of structural reinforcements, this design revision was around the time we flanked the buttons with some fins, working in tandem with the heightened compression set and button relief slits, detailed above, to further guarantee that button actuation would have no impact on the overall durability of the Grip case.

Pictured: Lack of button fins on the first-gen Grip.

Pictured: Button fins on the newest-gen Grip.
As an aside: Unrelated to the de-bonding issues, we've also made a number of smaller improvements to the Grip case with each new iteration. For instance, we chamfered the front lip of the case to make edge-swiping more pleasant and reduce dust accumulation along the rim. Those raised parallelogram shapes along the sides of your Grip case that create its distinctive handfeel? We made those way bigger for a better in-hand experience. In short: product development is a complex and multifaceted process. Each new iteration of the Grip case is better than the one that came before, and that applies to more than just failure rates.
Speaking of failure rates: all of these improvements were in place by the time we launched iPhone 11-series Grip cases. The failure rate for these cases decreased exponentially... but didn't disappear entirely.

The Even More Ridiculous Metaphor
With these improvements, we achieved our desired outcome: the case was no longer deforming around the buttons or the charging port. Instead, the structure of the case began to fail literally anywhere else around the perimeter of the phone.
Think of it this way… you’re a roof carpenter. The greatest roof carpenter of all time. Like the son of God, but if he was a carpenter. Unfortunately, you’ve been paired with the Donald Trump of wall-builders.
You're tasked with building a house. You spend all of your time and energy perfecting your roofcraft. You've designed a roof that's so durable, it may as well have been made of Nokia 3310s. Nothing's getting through that bad boy.
The wall guy? Instead of building that wall he said Mexico would pay for, he's been tweeting about the miraculous medicinal properties of bleach while a plague kills hundreds of thousands of Americans.
The point here is that you can build the greatest roof of all time, but the walls need to be strong enough to match.
To strengthen the Grip case's metaphorical walls, we needed to re-design the inside of the Grip case from scratch. More specifically, the mechanical interlock between the springy elastomer and rigid polycarbonate skeleton. We took every tooth at the bonding point between the two materials and made them as large as we possibly could. Then, we added more teeth.

Pictured: Polycarbonate teeth on the newest-gen Grip.
To jog your memory: this is how the teeth used to look...

Pictured: Polycarbonate teeth on the first-gen Grip.
If time proves that these changes aren’t enough, our engineers still have a number of ideas on how to improve the bond between the elastomer and polycarbonate. Will we ever need to implement those ideas? Again - that’s a question only time can answer. Each change might be the silver bullet that puts this problem to bed for good... but there's only one way to find out: it involves real-world testing and, with each iteration, months of careful observation.

PART THREE

So, Where Are We Now?
Have the improvements we've made to the Grip case been successful? You bet.
For the sake of comparison: we began shipping iPhone 11 series Grips on September 30th, 2019. Within six months of that date, we had received 52 reports of structural failures - a big improvement over the early days, but still not good enough.
Fast forward two months. We began shipping Note 10 Plus Grip cases on November 21st, 2019. In the first six months of availability, we received exactly eight reports of Note 10 Plus Grips falling apart. Again, a major improvement over the iPhone series in the same stretch of time. If we'd launched the first Grip cases with a failure rate that low, we wouldn't be writing this post right now and you’d have nothing to read while pretending to do work.
How about the Galaxy S20 series, which began shipping on February 10th, 2020? They're the most recent and improved set of SKUs we’ve made to date, leveraging everything we've learned and making further improvements over the Note 10 Plus. No reports so far. Same goes for the iPhone SE and OnePlus 8 series - these SKUs share all the improvements we've made to the underlying design of the Grip case thus far.
Does that mean these numbers will hold forever? Who knows. That's the thing: every improvement we make, we need to wait several months to see how effective it's been. No amount of internal testing can replace the real-world data of shipping cases to hundreds of thousands of users across nearly 200 countries.
We could always just throw in the towel, make the entire case out of rigid plastic, and call it a solved issue... but that would be the easy way out. The Grip case and its unique design properties can't reach their full potential unless we make incremental improvements - then wait and see how they pan out in the real world.
All of which is to say: it's far too early to say the newest set of improvements have officially solved the problem. While the failure rate is still zero, we need to keep watching. We've made a ton of progress, but we're not going to rest until we've killed this issue for good - without sacrificing the unique properties that make the Grip case stand out in a sea of derivative hard plastic and TPU phone cases.
That's probably enough to inspire confidence in someone who's on the fence about buying an S20 Ultra Grip, an iPhone SE Grip, or any Grip we release in the future. But what if you're one of the people who bought an older Grip model?

"I'm One Of The People Who Bought An Older Grip Model!"
We won't sugarcoat it. The failure rates for older Grip models is way higher than we deem acceptable. Why has it taken us this long to publicly address the issue, then?
Easy: it's not as widespread as you might think. Some humans reading this might be looking at their iPhone X Grip, purchased in 2019 and still intact, wondering what all the fuss is about. That's an important consideration: most people who have functioning, still-bonded Grip cases aren't posting on /dbrand about how unbroken it is. The people who've had issues around total product failure are in the minority.
We're not using the word "minority" as a get-out-of-jail-free card here. It's still a way larger number than we'd ever be comfortable with. We simply don't want our transparency and candor in writing this to be misinterpreted as an admission that every single Grip case we've made for older devices is going to fall apart. Statistically speaking, this is an issue for a minority of Grip owners.
Our philosophy at first was that, while it was unfortunate and frustrating that Grip cases were falling apart, dramatic PR action wasn't necessary. Instead, we resolved to:
  1. Quietly and diligently work in the background to improve the underlying design of the Grip case.
  2. Ship free replacements to anyone whose Grip case had failed.
To date, we've spent hundreds of thousands of dollars on shipping fees alone for replacement Grips. As you can imagine, that number gets a lot higher once you add in the cost of actually making the thing. We've been fine with writing these costs off as sort of an R&D expense, since every example of a deformed or de-bonded Grip provides invaluable data on how to improve the product.
Where our strategy backfired was in the narrative that began to take root as Grip cases continued to fall apart. Look at it this way: the failure rate of older Grip case SKUs is anywhere between 1% and 20%, depending on how early we released the SKU. Since the improvements we've already made to the underlying design were rolled out incrementally with each new phone release, that number has been on a steady downward trend.
For the purpose of this thought experiment, we'll go with the earliest, shittiest Grip cases - putting us at a long-term failure rate of 20%.
So, 20% of customers for this device have a Grip case fall apart at some point in the product's lifespan. Every single one of those people writes in to our Customer Experience team about the issue. They all receive a replacement, free of charge.
Since this replacement is identical to the first Grip case they'd received, it also has a 20% failure rate. We're now dealing with percentages of percentages. Stop panicking, we'll do the math for you: that means 4% of these hypothetical Grip owners will have a second Grip case fail on them in the long run.
Four percent is a lot better than twenty… but it's also a lot of people who've been burned twice. These people are going to be extra vocal about how shitty the Grip case is. To be fair, they've got every right.
So, we've got four groups of customers for this SKU:
  • Group A: Has had two or more Grip cases fail (4%).
  • Group B: Has had exactly one Grip case fail (16%).
  • Group C: Bought a Grip which has not failed (80%).
  • Group D: Has not purchased a Grip case (NA%).
Group A is livid about the repeated issues they've had - rightfully so.
Group B, having been burned before, reads about Group A's experience. They take it to mean their replacement will inevitably fail on them as well, and they'll one day get the dubious honor of joining Group A.
Group C, despite not having had any issues yet, reads the experiences of Groups A and B. Then, a significant portion of this group begins to operate under the assumption that it's only a matter of time before their Grip falls apart as well.
Group D reads all of the above and decides they don't have enough confidence in the Grip case to ever purchase one.
A narrative begins to form that this hypothetical failure rate is close to 100%. Worse yet: people with newer phones, unaware that each new iteration of the Grip case has a dramatically reduced failure rate over the last, start to assume their case also has a 100% failure rate. That's where our original strategy - the one where we quietly improved the product in the background while offering replacements for defective units - backfired on us.
This narrative only exists because we've continued to leverage existing stock with too high a failure rate, which, in hindsight, was like pouring gasoline on a gender reveal forest fire of disappointment and regret. This brings us to our next chapter.

Mass Destruction
At this point, you're probably aware that a number of Grip SKUs for older phones have been listed as "Sold Out" on our website, and haven't been restocked since.
We stopped production on these cases because we knew they'd have all the same issues as the original production runs. See, it's not as simple as pushing a "make the Grip not fall apart" button at the factory - we'd need to redesign the case from scratch, implementing all of the design improvements we've made up to this point, then re-tool our existing machinery to produce this new version. We'll have more to say about re-tooling a bit later - for now, focus on the fact that some Grips have been listed as "Sold Out".
If someone's Grip case falls apart while listed as "Sold Out", we don't have any replacements to send them. Instead, dbrand's Customer Experience team has been issuing refunds wherever possible, and store credit otherwise. Just in case you're wondering what we mean by "where possible": PayPal doesn't allow refunds on transactions that are more than six months old. Store credit, on the other hand, can be offered indefinitely.
What we've come to realize is that we're never going to be able to escape this downward spiral until we rip the band-aid off and stop stocking these old, flawed SKUs.
Today, we're ripping the bandaid off. As you're reading this, we're disposing of all of our old stock. All of the flawed Grip SKUs are now listed as "Sold Out".
Head over to our Grip listing and take a look at what's available. Everything that you can currently buy is up to spec with the improvements we've made over the past year - meeting or exceeding the standard of quality set by the Galaxy S20 series, the iPhone SE, and the OnePlus 8 series. In some cases - take, for instance, the iPhone 11 series - this means we've already re-tooled our production lines to meet that quality benchmark.
If a Grip case is listed on "Backorder", it means we've begun the process of re-tooling the SKU to match the improved quality standard you've spent the last five hours reading about.
However, if a Grip case is now listed as "Sold Out", that means no more reshipments.
If you own a sold out Grip case that hasn't fallen apart yet: that's great! Don't assume that your Grip is doomed to fail just because we devoted 5661 words to explaining why it might fall apart. You've still got better odds than you would at a casino.
As always, if you run into any issues with your case, sold out or not, shoot an email to one of our Robots. They'll still take care of you - it just won't be with a replacement case… for now.

Mass Production
Remember when we said we'd talk more about re-tooling a bit later? That's right now.
So, why are so many Grip models not being fixed? Why haven't we re-tooled these old SKUs with all of the quality improvements made to the case's build quality? It's a little complicated.
Taking the improvements we've made to the most recent suite of Grip models and retroactively applying those changes to older SKUs isn't a simple task - it would require us to throw out our existing production tools and create new ones, from scratch. Suffice it to say that doing so is a wildly expensive endeavor.
To recoup that cost, we'd need to produce more Grips than we're likely to ever sell for aging, irrelevant hardware. Let's use the Pixel 3 as an example.
If we replaced every single de-bonded Pixel 3 Grip, that would account for about 3% of the MOQ (Minimum Order Quantity) on a re-tooled Pixel 3 Grip case. Now we're sitting on 97% of that MOQ as overstock. Pixel 3 owners have had their phone for nearly two years now. If they want a phone case, they already have one. They're not looking for new Pixel 3 cases, they're getting ready to buy a new phone. Simply put, it’s no longer a viable market.
Now, say the Pixel 3 was a significantly more popular phone - enough that we'd be shipping out, say, 50% of the MOQ as replacements on day one. Now, that's a lot more tempting to us - we'd still lose boatloads of money, but at least it would go towards some consumer goodwill.
To figure out how much money we'd lose on re-tooling, we gave our bean-counting Robots a giant jar of beans and told them to get to work. They emerged three days later. When asked how many beans were in the jar, they gave us a blank stare. When asked if it was possible to re-tool any of our production lines for old Grip SKUs without losing obscene amounts of money, they said:
"Absolutely not."
Still, we're no strangers to throwing away obscene amounts of money to make the internet happy. Remember Amazon gift cards? Those were the days. The only question that remains is "How much money are we willing to set on fire?"
We can't tell you yet. Why? Because we're currently running a detailed cost-benefit analysis on the subject of re-tooling old production lines, on a SKU-by-SKU basis. That's business talk for "the bean-counting Robots have been given more beans to count."
The objective is to determine the viability of producing new-and-improved Grip stock for older phones: how many units would be tied up in replacements for that model, how many we could reasonably expect to sell to new customers, and how much overstock would be left from the MOQ.
From there, we can determine what the financial impact of re-tooling would be and make the final decision on how much cash we're dumping into the ocean somewhere off the coast of the Seychelles. We'll have our results by early next week.
These re-tooled models, if produced, would feature every improvement we’ve made thus far to the Grip case line, plus a few that have yet to be released. Remember how the S20s, the iPhone SE and the OnePlus 8s haven't had any reported failures yet? Picture that, but for the phone you've got.
If we go ahead with re-tooling production lines for your phone, a few things will happen:
  1. The Grip case for your phone will go from "Sold Out" to "Backorder".
  2. Our Customer Experience Robots will shift their communication strategy from "we no longer support your phone," to "we'll get you a replacement once we've got improved units in stock."
None of these things will happen until we've run the simulations on which phones are getting restocked. Why are we posting this today, then? We could have waited a week and had concrete answers to offer about the future of our out-of-stock Grip cases. Well…

Take Our Survey
This is it: your chance to have some say in how much money we set on fire as a goodwill exercise for this whole R&D clusterfuck.
Those simulations we're running? They'll be great for telling us how much money we're going to lose on each Grip SKU, but it won't tell us anything about how much money our customers want us to lose on each Grip SKU.
To that end, we've prepared a survey for people who have purchased a Grip case. We'll be taking your feedback into consideration during our decision-making process.
We have only one request: don't be a jackass. Answer the questions honestly.
Click here to take the survey.

In Closing...
We're sharing a special moment right now. We're all seeing a light at the end of the tunnel.
For us, that light is "we're almost done with a year-long R&D effort to stop the Grip case from falling apart."
For you, the light is "the end of a 5661-word marathon of a Reddit post."
We just want to take a minute to recognize that we couldn't have gotten this far without your collective support. At any point in the past year, we might have pulled the plug on the Grip project entirely if we'd reached a critical mass of negative sentiment from our customers. Instead, we've got an army of devotees who have no problem paying us for the privilege of being our guinea pigs.
Product development isn't a one-and-done process. It's easy to forget, but our skins weren't always to the world-class, record-setting, Michael-Jordan-in-his-prime standard you expect from us today. If you happen to have an iPhone 4 skin lying around, apply it and let us know how it goes. You'll immediately appreciate how many process improvements we've made. We weren’t born as the greatest skin manufacturer in history. We got there through a process of methodical improvement. Each jump in quality was driven by a bottomless well of user feedback, sourced from millions upon millions of customers. That, and the competition was comically inept.
It's the same story for the Grip case. Your continued support has enabled us to make huge strides in developing a product that's on the cusp of blowing everyone else out of the water. We're going to keep working until it gets there.

TL;DR VERSION

Please note that by reading this tl;dr, you’re missing out on several outlandish metaphors, including classics such as:
  • Plastic injection molding melted cheese into your face hole.
  • What if Jesus and Donald Trump built a house?
  • How to turn yourself from “rare to well done” and “solid to paste”.
  • Pencil Perverts.

WHY DOES THE GRIP FALL APART?
  • The Grip case is made from two materials: a polycarbonate skeleton and an elastomer frame.
  • The elastomer frame provides the majority of the case's impact protection and grip, but is prone to deformation.
  • We prevent deformation by bonding the material to a polycarbonate skeleton (i.e. the rigid back plate on the Grip case).
  • The bond between the two materials was not as strong as we'd originally anticipated, causing the elastomer to de-bond from the polycarbonate skeleton and the case to sometimes fall apart.

WHAT HAVE YOU DONE TO FIX IT?
  • Through a series of design revisions, we've made countless improvements to promote a stronger bond between the two materials.
  • These changes have incrementally reduced the failure rate of Grip cases. Our most recent SKUs are yielding extremely promising results.
  • Each time we improve the Grip case, we need to play a months-long waiting game to observe the real-world effects.

HOW ABOUT THE GRIPS YOU'VE ALREADY SOLD?
  • Since we're using you as guinea pigs for the purposes of product development, we've been uncharacteristically generous with our warranty policy.
  • However, that warranty policy only lasts as long as we have stock. Once we're out of Grips, we're out of replacements.
  • We've finally reached the point where we need to rip off the bandaid and dispose of all of our Grip stock produced during 2019.
  • If your Grip for any of these older phones falls apart, you can no longer get a replacement.
  • You should still write in to our Customer Experience team if it happens to you - we'll work something out.
  • On the bright side, our Grip SKUs from 2020 onwards have dramatically reduced, if not outright eliminated, the failure rate of previous models. We have no reported cases to date.
  • It's not economically viable to re-tool production lines to apply our improved industrial designs to any of the Grip cases that are currently marked as "Sold Out".
  • We're probably going to do it anyways.
  • We're running the simulations right now to determine which older devices will be re-tooled.
  • Take our survey to help determine which devices we'll be re-tooling.
submitted by db_inc to dbrand [link] [comments]

I broke a sentence into two sentences. Did I do it correctly?

Original Excerpt:
It’s the minimum age at which you can enter a casino in America, and the name of a family of card games, including blackjack, that are popular with gamblers.
1) It’s the minimum age at which you can enter a casino in America.
2) It’s the minimum age at which you can enter the name of a family of card games, including blackjack, that are popular with gamblers.
submitted by lavenderah to EnglishLearning [link] [comments]

Correct me If I'm wrong

Hello, I think about trying myself out in a card counting thus i have some questions about whether or not I'm understanding things correctly. I'll be really grateful for the answers :) After all the things I want to ask there will be some additional info about some things I want to share because some of the questions may seem a bit odd. It's (as, well, everything in this post) optional and has pretty much nothing to do with counting. So the questions are as follows:
1) Rules are as follows: 6D, 3:2, ENHC, S17, DA2, SP3, SPA3 (4 hands in total), DAS, NHSA, SURRXA, ES10 (I belive if it's ENHC it's always an early surrender? Anyway you can surrender anything except an dealer's Ace upcard). Penetration is 5:6. I belive that's are some great rules but I can't calculate the exact house edge under this specific set of rules. I belive it's around 0.2%. Is there anyway to calculate the exact house edge? I've been searching for a different calculators but didn't find any that could calculate all of the above. Also tried searching how different rules affected house edge and calculating all of this myself, but failed again.
2) Is it worth to adjust my betting strategy if I want to use the exact house edge? Just as an example: if the real house edge is 0.2% should I try to calculate all the different bet sizes for a Kelly betting? By that I mean that at TC 0 house edge is 0.2%, TC 1 -0.3%, TC 2 -0.8% and so on?
3) About betting and how I understand it. So the best way to maximize your bankroll growth rate while having the lowest risk of ruin is to use full Kelly which gives you 13.53% RoR. For a part time player I belive that's acceptable. So the absolute minimum of a bankroll I'd need will be 1k$ (min bet is 5$ and 5/0.005=1000, right?) IF I intent to play only at TC 2+ which means wonging a lot. So at TC 2 I start betting the table minimum and incrementing my bets by 5$ for each next TC. I belive that would also decrease ror but I'm not sure by how much. Also If I want to play from the start of the shoe and let's say wong out at TC -3 (using flooring for handling non integer TCs so it's more like -2 "actually") and my first raise being 10$ at TC 2 while betting only half a Kelly which would give me 1.83% ror (according to a table I've found on the internet) I'll need a 4k$ bankroll?
4) Deck estimation. I'm really bad at it and so I decided to try to implement a side count of all the cards dealt but it's really hard and Colin from BJA said in one of his videos that's it's really not worth it. After I found out that the average hand consists of 2.7 cards I've decided to keep a side count but all the hands played which means that I decrease my divisor by half a deck for every 10 hands played which gives us ~27 cards. I belive that with this method it's better to use half Kelly betting because we are worried about skyrocketing our ror by overbetting because of the varience of the shoe and how the game is going. Half a Kelly gives us 3/4 of a growth rate with under 2% ror and overbetting half a Kelly is actually going closer to betting a full Kelly which only increases our growth rate and all of that applies to a full Kelly which means that overbetting a full Kelly decreases our growth rate while making our ror even worse than 13.5%. The real question is: is this method an OK to use? Would dispersion of amount of cards per hand really affect the overbetting? It's an important question because I don't think I'll be able to try half Kelly before at least 2k$ bankroll. And for me it's a lot of money. More about all the unimportant stuff later on.
So thanks for reading all of this, now I'll tell some things that aren't really about blackjack. Feel free to skip all of this and I'd be really grateful for all the answers :)
I'm 22 and I live in Ukraine. I'm a croupier myself :) My english is kinda rusty but I belive you can forgive me for that :) In Ukraine casinos are only beginning to open because all of the gambling things were not legal till right the recent days. Minimum age to start playing is 21. In worst case 12 hours of dealer's life (1 work day) is 25$+70% of the tips that are being split. If you've read the betting strategy for a full Kelly and min bet of 5 at TC 2+ you could be surprised by the amount of EV I'm in theory generating but if it'll be worth at least 5$/hour (against 2.1$/hour as a croupier not including tips) and thinking of it as a part time thing I belive that's worth a shot. Thanks for your attention, time and (I hope) answers :) First time using reddit as well :)
submitted by compulsyan to blackjack [link] [comments]

Day 1 of Quitting- My story into gambling addiction

Hi everyone,
This is my first post so bare with me. It may be long so don’t feel compelled to read it.
I am 26 years old and in the midst of the Pandemic, I have been working from home since March. Before September, I would never have thought of myself having a gambling addiction. I remember being on a cruise when I turned 21 and put $20 in a slot machine and lost it and was so angry and disappointed in myself.
Then in September I kept seeing this ad on Instagram for an online casino. One day I succumbed and decided to sign-up because they had a $30 signup offer. I thought, ‘Hey what’s the harm?’ I wish I could go back and slap myself and say don’t do it.
I play through the free $30 and won $500. My whole body felt electrified. That went away when I realized there were wagering requirements (I have never been in/involved with casinos so I had no idea). By the time I met the wagering requirement, I had $75 of withdrawalable money. Still excited I made $75 for free I went to withdrawal, but found out the minimum withdrawal amount is $100. So I kept playing and eventually lost it. I wish I learned my lesson that this will be the reality most of the time.
For a bit of background, before this I was in a decent financial state. Pretty good job for someone my age, lived alone in a nice apartment, had some credit card debt, but overall manageable. I have some mental health problems (Bipolar and anxiety disorders) but received treatment and relatively stable compared to my early 20s.
As the days went on I couldn’t stop thinking about seeing that ‘big win’ flashing on my screen and kept thinking to myself, ‘that $500 could have been mine if I didn’t have that $30 bonus’. So, I decided to deposit $20 and bet low on the same game and won nothing. I felt sick like I did on the cruise.
This particular online casino gives you $1 every day, so for the next week I just played but $1 and won some, but not enough to withdrawal. About a week later, I got an email from the casino saying if I deposit $50, I’ll get an extra $50 with no wagering requirement. The thought of depositing $50 was crazy to me so I just deleted the email and continued with my free $1 a day. After about a week of that, I get another email, deposit $50 play with $200. I scoured the fine print and I only had to play through the extra $150 once, then any winnings I can withdrawal. I still hesitated until Friday night where I had a couple drinks and decided to go for it. Back then, I would say this was one of the most fun nights of my life. I kept landing the ‘fireshot’ feature and winning mini and minor jackpots. At the end of the night I won $1200 USD (I’m from Canada so it would be about $1500 CAD).
My body was so full of excitement I could barely hit the withdrawal button. When I did, I found out they had to verify my account and I had to send in the required documents. After I researched if this was standard for online casinos and researching this casino, I sent in my documents. I went to bed happy, and already had plans on what I was going to buy/pay off with this win. Unfortunately I was too excited to sleep. So I log back in and miraculously (at least to me back then), my $1200 was still there, and playable. So I thought why not play a few more rounds with a higher bet to get an even bigger win? Big mistake. By 3:00am, I was down to $100. I forced myself to stop so I could still withdrawal something. After about a week or two, I resisted playing/betting more and when I logged into my online banking and saw the $120 deposited, I think that’s when my addiction started.
I was no longer satisfied with my free $1 everyday. I started just depositing $20 here and there. On my lunch break or in the evening when I was bored. Then $20 turned into $50 and $50 to $100. After maxing my credit card with no significant wins, I decided enough was enough. And stopped for the rest of September.
Most likely because I had researched so much about online casinos, I had more ads than ever tempting me. One night again after a few drinks, I joined a different online casino. This one was completely different, with better games, a level up feature where you get to spin a wheel after each level and win free spins, cash back or free money, I was hooked again. I put in $50 and lost and was completely broke. So I patiently counted down the days until I got paid. I also sold about $500 worth of video games/consoles I didn’t want to sell, but did to have more money to gamble with.
On payday, I set an alarm for 4:00am when my pay is deposited. This was the first real sign to myself I may be becoming obsessed, but brushed it off. I deposited $100 and won $200. Same story, I had to verify my account but this was done within hours, and I got my money in two days VS a week and a half with my first casino. Stupidly, I put the $200 back in and lost it. I was back to being broke after only two days of getting paid. By the weekend, my credit card payment posted and in my eyes, I had money again.
That night I won most of what I lost back and learned my lesson and withdrew it. When I saw that sum deposited into my bank account, I was ecstatic. I first paid off my credit card I was using to make the deposits, and went out and bought AirPods Pro. I felt rich (even though the win was less than $1000). That evening I wanted to play again, but I had no money. This was the night I learned I could cancel a bill payment within 24 hours. Which I did. And played through all my winnings. Words can’t describe how disappointed I was in myself. I was broke. Credit card maxed. And the only thing I had to show for it were the AirPods. The next day I tried returning them but they wouldn’t accept the return because of their return policy on headphones. I vowed to myself to never gamble again, wrote a note in my phone describing what I was feeling so I could read it if I was ever tempted. That week I fell into a depressive episode. I couldn’t afford groceries, lied to friends and family for not spending time with them because I feared they would want to order food, I didn’t want to admit what happened, so I isolated myself.
That week was what I thought was the hardest. I just stayed in bed signing up to every casino out there for free spins no deposit sign ups to try to fill the void but you never actually win anything on no deposit spins. Finally, my good friend asked what is going on and I immediately bursted into tears and told her I was broke, and my credit card maxed. We work at the same job, and long story short, are both getting $5000 in retro pay because of a expired union contract. She told me she would lend me $5000 now, and I would give her my retro money when we get it in February. This was one of the kindest things anyone has ever done for me. Reluctantly, I decided to accept this kindness and we worked out a budget on how I would not let this happen again. Here’s the thing, and I will never forgive myself for, I didn’t tell her all this happened because of gambling. I was too ashamed and embarrassed.
Life was somewhat normal again for a couple weeks until one night I decide to just put in $100 and see if I can win some of what I now owed my friend back. After $500 lost, those same feelings came back, but worse since I felt I betrayed my friend’s kindness, and that this isn’t the first time this happened.
Fast forward to November - I won again (not nearly enough to recover my losses), paid my credit card and cancelled the payment, lost it all again. Then towards the end of November, my $1000 for rent sitting in my savings account kept calling my name. I have never ever been in a position where I would risk not affording rent, but my addiction was stronger and I lost $500 of it. I had about a week until my rent was due, I had nowhere to turn, I couldn’t ask my friend for a loan because in her mind, and from the few times she asked, I was sticking to my budget. My new way of handling stress was gambling, so I put another $100 in and won $600. I was saved and again vowed myself to never put myself into this position again and ‘quit’.
Now it is December, I guess this is my rock bottom. Not nearly as bad as some people’s, but here it is. I took out another credit card for ‘emergencies’ since my main one is maxed. I was good, and didn’t use it except to buy a few groceries which I swore I would pay off on payday. My mental health declined, and I deposited $100 and lost it. Then another $100. Lost it. Made another ‘promise’ to myself to stop and I did until last night. I now owe $1,000 on the new credit card, and my main one is now in a negative balance because of a subscription.
I am a liar, I take advantage of people’s kindness that I didn’t deserve in the first place, and now in more credit card debt than I know how to deal with. All I can wish for is I’ve learned my lesson. That the money I lost I will never get back, and to find some way to fill the void gambling has left in my life. After only the first day, I don’t know what will give me that feeling of excitement, the feeling of being alive. I had all my casino accounts deleted this morning, but I know there are more out there, I just really hope I can stop myself from ever going back on this path.
If you made it this far thank you for reading. If you have any suggestions on what I can do to not relapse, and any hobbies or activities that can fill the void please let me know.
submitted by evguy789 to GamblingAddiction [link] [comments]

casino age minimum video

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In every single licensing body (that we are aware of, at least), the minimum age requirement is 18. If you are under the age of 18, it is possible to still play at an online casino, but you wouldn’t just be breaking the rules of the casino and the licensing body, there is a very good chance you are breaking local laws as well. Soaring Eagle Casino & Resort, Mount Pleasant: "Minimum age to gamble" | Check out 14 answers, plus 1,279 reviews and 660 candid photos Ranked #4 of 14 hotels in Mount Pleasant and rated 4 of 5 at Tripadvisor. In this day and age, you would think that CA$1 can’t buy you much but that’s not the case with Minimum Deposit Casinos. There is no longer the need to pay top dollar to have access to the best online casino games. You can sign up today and start playing for as little as 1 Canadian dollar (CA$1). Minimum Casino Gambling Age. Each state or province determines its own minimum age for casino gambling, however Native American casinos are exempt from state jurisdiction and can lower the minimum age to 18 under the Federal Indian Gaming and Regulatory Act. Some states have 2 minimum ages (18 in some tribal casinos, 21 in others). Minimum Age to Gamble in United States of America. Below you will find the minimum legal age to gamble in various locations around the U.S., Virgin Islands and Puerto Rico. In the 50 American states, some times you'll see a variance, this usually is due to Indian casinos having different age requirements in their casinos than state regulated Minimum Age Requirements: Jake’s 58 Casino Hotel policy is that no individual under the age of 18 will be allowed to play any video gaming machines. Furthermore, no one under 18 is allowed on the gaming floor. L’âge minimum est de 21 ans pour les belges qui veulent entrer dans un casino ou jouer en ligne sur un casino belge. Par contre la limite est de 18 ans minimum pour les loteries, les paris et les jeux de café. En Belgique, les espaces dédiés aux jeux d’argent sont classés par catégorie. Âge minimum – Obligations et résumé In some cases, one will allow gamblers to begin at a younger age than the other. In the event that these ages differ from one another, you have to go with the gambling age that is higher. For instance - your casino allows 18 year olds, but your state requires you to be 21. That means you cannot join unless you are 21, as per your state's - British Columbia: Here the minimum age is 19. Internet gambling that is officially government sanctioned and legal in the province includes the British Columbia Lottery Corporation casino site. It features games such as craps, bingo, poker, blackjack, slots and sports betting. - Labrador: Here the minimum age is 19. The minimum age for gambling in the US varies between 18 and 21 depending on the state. If you want to find a casino near you, check out the map below to see every state’s minimum gambling age

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How to Flip a Hotel Life For Sale - YouTube

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