If you know about an app that doesn’t work in iOS 13 or iOS 13.1, comment the name of it and I’ll add the app to the list. Please kindly provide the app link(s) to the app(s) you’re reporting. ⚠️ If the app is partly functional (works but has a few buggy features) or only works on select devices, please include those details in your report. Non-Functional Apps in iOS 13 Beta
Citi (Contains buggy features)
Hulu (Contains buggy features)
INB Mobile Bank (On select betas, app is usable in beta 3)
Thanks for all your app requests! I hope that this list, which will be continuously updated until the final launch of iOS 13, will help other users. ❗️This list has been discontinued. I will no longer be adding new apps to the list since iOS 13 has already been released to the public. Thanks for all your support and I’ll see you next year!
You have an obligation to protect your property. Since it is protection, it is necessary to be able to face harsh conditions. The so-called obligation refers to relying on yourself and not on anything else, including not relying on the state. At the 315 party, Chinese traditional holiday, hit the Bitcoin head. Some people like to compare Bitcoin and gold together, which is actually wrong. "Bitcoin is a safe-haven asset" is a false proposition. Bitcoin has the highest volatility in the world. How can such a high volatility asset be called a safe-haven asset? ——315 party Yes, cryptocurrencies are too volatile to be suitable for safe-haven assets, but suitable for refuge funds. Asylum funds refer to the wealth that is deprived of when a person is in distress, the property is illegally deprived, or the wealth cannot be legally protected. Asylum funds are more life-saving. This is not the same as safe-haven funds. Safe-haven funds refer to wealth that can keep assets from depreciating under certain systemic risks. Hedge funds are not targeted at specific individuals. We often imagine gold as a safe haven under geopolitical instability. At the beginning of this year, under the new crown virus epidemic, people generally accumulated a lot of food, and even held guns legally. This is asylum thinking, ensuring that you can survive the risks. Peace is in danger, and we need to have asylum thinking in order to face the unpredictable risks in this complex society. What are we going to avoid? First of all, we must understand the potential difficulties we will encounter. The essence of the insurance industry lies in this, calculating the possible risks and preparing for them. Generally speaking, asylum funds are generally arranged outside the insurance, that is, after the insurance is bought, you should consider the asylum funds. Like preventing fires, serious illnesses, and so on, you have to hand it over to insurance. Our country is very safe, and robberies are too far away from us. But many countries may not have such security guarantees. In many countries, insurance covers robberies on a broad scale. Our country is different. Compared with most countries, born in today's China, we need to avoid much less. Our commercial civilization is sufficiently developed and insurance has solved most of the potential difficulties. In our country, the need for asylum funds is relatively small. We are a rich country. Some difficulties cannot be covered by insurance, that is, the situation of depriving property according to law, which is a difficulty for specific individuals. This often involves the evaluation of justice, and we do not want to evaluate the scope of justice in depth. Let us not just call for the complete deprivation of all the property of the bad guys, which is not conducive to building a just society. Any force that cannot be checked and balance is a disaster for justice, including justice itself. We do not support the bad guys in possession of weapons against justice. The real need for asylum is that in many countries, legal civilization has not yet been built, and there are always some dark corners of the earth where civilization has not yet arrived. Just like many countries in North Korea, the Middle East and Africa. In other cases, this civilization is different from the other civilization. It is lawful on one side and deprived of it on the other. Snowden is a case. In a civilized United States, Snowden is a crime, but in many countries he is regarded as a hero. Snowden is a crypto digital currency enthusiast. He also wrote a few days ago that he wanted to buy Bitcoin. Civilizations can be misplaced, and cryptocurrencies can fix it. Refuge funds must be hidden. The encrypted system of encrypted digital currency has no physical form and T + 0 liquidity, which can be circulated from person to person, difficult to be tracked, and there is no capital limit, that is, no lower limit or upper limit. These characteristics make Bitcoin and others an effective refuge fund. We are eager for wealth from the bottom of our hearts, but the society as a whole has very strangely demonized money. Qiu Fu is a very common mindset. As an adult who is responsible for yourself and your family, at least add a hidden item to your balance sheet. The anonymous and no physical form of encrypted digital currency is suitable for this task. Converting your wealth to part of the encrypted digital currency and withdrawing it to multiple addresses can perfectly hide your wealth. You can buy bitcoins on multiple exchanges, even if you are buying bitcoin on an exchange that requires real-name authentication. After purchasing you distribute Bitcoin to any address. Guarantee that no one will ever know your specific wealth. And if you can find someone who trades OTC, it's more perfect. There is also no need for a private bank and expensive safes to store Bitcoin. You can encrypt and package your Bitcoin wallet and store it in multiple mailboxes or online disks. Guarantee that you are in any corner of the world, as long as you have the Internet and a smartphone, you can exchange Bitcoin into local currency. Asylum funds can accept volatility. Bitcoin plunged 50% at every turn, but it was better than nothing. Asylum funds pay attention to life-saving, it is best to leave a bite to eat, not for your enjoyment. When choosing asylum funds, it is necessary to choose mainstream coins that will not return to zero as much as possible. Remember that you have an obligation to protect your property and do not rely on any third party.
The International 2018 in Vancouver FAQ (Updated!)
Hey there again, you punks. So with a tip coming from some of the moderators on the board, I've decided just to quickly update this FAQ that I wrote a few months back since TI is next week and I'm sure many of you still have a ton of questions. I've gotten some more information that I can pass down to you in regards to Vancouver but also now TI as well, including updated marijuana laws and beer recommendations. Two quick notes:
This summer has been an extremely hot season in Vancouver (at least in Vancouverite standards). Like anyone who attended in Seattle last year, there is noticeable smoke in the air in the city due to the fires all over the Pacific North West. If you have breathing issues or health related problems do to particles in the air, be advised that there is currently an Air Quality Advisory in effect so act accordingly. Wind/Rain will most likely clear up any issues going into next week, but just a heads up in case new fires flare up or we aren't blessed with some light rain. Forecast is looking to be sunny through midweek and the finals, with an average of about 23-25C.
Yes, but it's not exactly regulated by AirBnB. Feel free to stay at one through AirBnB but know that it might be a little tricky to deal with issues if they come up with your rental. Also while you're at it, check out VRBO.
How far away from Rogers Arena should I stay?
The general piece of advice you'll get from any local about where to stay for TI is going to be anywhere that's on the Skytrain Expo Line (the line in dark blue). The Expo Line will take you to Stadium-Chinatown station, which is where Rogers Arena is 30 seconds away. As in Seattle, the closer to downtown you are, the more expensive it is to stay.
Where are the cheaper hotels like Holiday Inn, Mediterranean Inn or Travelodge like in Seattle?
Unlike Seattle Center, there aren't very many budget hotels left, if at all in the Downtown core. The cheaper hostels are available, though fair warning, many of them are placed on Granville Street, which is a place that many Vancouverites will tell you to avoid while you're here (Though I have never stayed at a hostel on Granville, if anyone has an experience, feel free to share). Check out the Ramada Inn and the Days Inn near Waterfront for some cheaper-ish options.
Are there any areas in Vancouver that we should specifically avoid?
In my mind, there are two places that I would keep a look-out for avoiding while you visit Vancity.
Granville Street. During the day time it's normally fine, filled with some cool shops (Golden Age Collectibles, The Rock Shop, Movieland Arcade) but it's packed to the absolute max with dumbasses at night due to the amount of night clubs. There's police around every weeknight, but since you're in Vancouver for a good time, head towards Gastown, Chinatown or Main Street for places to party.
Downtown East Side. If you've researched anything about Vancouver, you'll know that this area as where a large portion of the cities homeless reside. There is rampant drug use, poverty and sex work in this neighborhood, focused mainly between 5-10 blocks in the area of Main/Hastings. That being said, the community is an especially strong one, with fantastic human beings supporting the less fortunate. Though there isn't too much danger in terms of being robbed, you might want to just avoid the area at night. Be respectful to the people of this community and you'll have no problems.
Is there UbeLyft?
Sadly, no there isn't. We know, it absolutely sucks and everyone in Vancouver is aware. Your options are public transit or a taxi.
What's the parking situation like around Rogers Arena?
Super shitty if you don't like paying for parking. If you can, park outside of the Downtown core near a Skytrain and then head over to the Arena. Commercial Drive is pretty good for this if you can find certain spots. Tinseltown as well if you buy a movie ticket on non-event days.
How does Transit work? What do I need?
If you've ever been to any major city, you'll notice that Vancouver shares the same load-up card/tap system that places like London share. It's called Compass Card and it's fairly easy to use. Just load up money onto the card, tap it when you enter and tap when you leave. It'll do all the calculations for you. Note that certain zones will cost more just due to how far you're traveling.
Does Vancouver have car-sharing?
Yes it does! Car2Go and Evo are two of Vancouver's most popular car share services. Hot tip would be to register before you head over to Vancouver and it'll help mitigate the fact that UbeLyft aren't in Vancouver just yet. Just drive safely.
How do I get from the Airport (YVR) to Downtown Vancouver?
The easiest way to get to downtown from YVR, if you aren't getting picked up/taking a taxi is to take the Canada Line. It will take you directly to Waterfront station, from there you can take multiple buses, the Expo Line (the main line that will take you to Rogers Arena) or the Seabus (going to North VancouveLonsdale).
What's the drinking age in Canada?
19 years old.
I'm new to Canadian beer culture, what would you recommend?
Vancouver has an exploding craft beer culture and you'll be happy to find that the variety of different beers/ciders to drink is absolutely massive, probably to the point of being intimidating. Here are some of my favorite breweries and the beers that you should look out for when you're at the liquor store/pub: Twin Sails Brewing Dat Juice Pale Ale Two Straws MilkShake IPA Short Pants Mosaic IPA Brassneck Brewing Changeling Sour Passive Aggressive IPA Bjorn Again Farmhouse Ale Steel & Oak Changeling Sour Passive Agressive IPA Bjorn Again Farmhouse Ale Bomber Brewing Bomber Parklife Passionfruit Ale Bomber Pilsner Bomber Snow White IPA
Does Vancouver have any specific rules about drinking that I should know about?
Yes. First, there isn't any drinking in public if you already didn't know. Second, you must have TWO pieces of ID on you whenever you go to buy drinks in case you're asked for your ID. First piece must be photo ID, the second piece must be something with your name on it (in order for bartenders/servers to validate the first piece). I see a lot of tourists thrown off by this, so just know that Vancouver's liquor laws are much more strict than other places. I've heard from a few Vancouver residents that this isn't exactly enforced harshly, but just to note that it is an actual law. Piece of mind.
What's the legal drinking limit in Vancouver?
%.05. There will be a ton of pubcrawls and side events going on for people that are attending TI and I'm sure that you'll be blasted one night or another. Please don't drink and drive. If you need a cab, here are the numbers you can contact in order to grab a taxi from downtown. Yellow Cab: (604) 681-1111 Black Top Cab: (604) 731-1111 MacLure's Cabs: (604) 831-1111 Also, a note for people from outside of Vancouver: the cab drivers in this city are notorious for being hard to deal with at times. Broken debit machines, cash up front, not providing receipts. Use your common sense to get you through pushy cabbies. If they have a broken debit machine and they are still driving, kindly reject them and give your business to another cabbie that will. UbeLyft will be here soon and karma will bite them back. If at anytime you are in an emergency and don't know what to do, please DM me and I will provide my contact info.
This is not confirmed at the moment, but if the rules were anything like Seattle, you will be able to bring outside food into the arena. You are not permitted to bring liquids into the venue. You'll have to dump out your water bottle and refill it once inside. Rogers Arena might have different policies, but thankfully the venue has twice the amount of food stalls including a much more varied selection.
What's a secret you have from being a lifelong Canucks fan for eating in the area?
Everyone from Vancouver attending will hate me, but this is going to be one of the hottest tips I can give you: there is a Costco food court DIRECTLY across the street on the lower level of Rogers Arena that DOES NOT require a membership in order to buy food. It is the only Costco food court in Canada that doesn't need a membership to eat there. Hot dogs, poutine, pizza, soft drinks, ice cream and it's all lovingly Costco cheap. Enjoy!
What sort of credit card/tap options does Vancouver accept?
Visa/Mastercard are widely accepted everywhere. Cards such as American Express/Discover are also accepted most places, though a few places might reject them for whatever reason (higher charge rates, issues with their machines etc..) Best case would be to make sure you have a Visa/Mastercard with you at all times as a back-up in case you run into any issues. Most places in Vancouver also allow you to use Android/Apple Pay now as well. No bitcoin though.
How much money should I bring?
Well, that's entirely up to you. If you're staying the full week, a few hundred dollars in spare Canadian currency won't hurt you, especially if majority of your spending is going to be on plastic. There's going to be the Secret Shop, but that'll be done through online ordering and not cash payments. Just don't come with nothing. Worst case, always have at least $30-$40 cash on you just in case you run into a bind. It's really entirely up to you and how you plan on spending your time here. Do note that because of the low Canadian dollar, don't be surprised if the price of certain things is higher than usual.
Are there any huge cultural differences in Canada that I should know about?
Due to the amount of fires that have started in the Pacific North West the past month or so, please do not throw your cigarette/joint butts into the street, sidewalk, bushes or wherever that isn't a proper garbage. You'll get a ton of dirty looks by locals if you do otherwise. Canadians are known to be rather polite, we'll answer questions for you or guide you in the right direction (as long as we aren't in a huge rush). As long as you're respectful of the people around you, take care of your hygiene, don't spit on the ground, talk over people in conversation or just avoiding being a total dick, you'll be fine. Though Vancouver is a somewhat socially cold city, that's mainly in dating circles. Get some new Bumble photos up!
What's the tipping policy like in Vancouver?
Most places won't have the tip included in your bill. It's common courtesy to tip between %10-%15 of your final bill if you enjoyed your meal/drink/service. Feel free to go higher if you had a really excellent time. Some places do include the tip in the bill, but will have it noted usually at the bottom of the menu.
I'll be taking public transit while I'm here. Any tips?
A few. Remove your backpack when you're boarding a bus/SkyTrain in order to create more space for the people around you. Hygiene again is a big one. Remember to fill your Compass card and check your remaining balance at least once a day in case you're transiting a lot. If you see elderly/disabled/parents with strollers attempt to come on board, the polite thing to do would be to offer your seat etc..
My English isn't great and I need to ask a question, what should I do?
Don't worry at all! Vancouver is an extremely multicultural city and the residents here are used to hearing many different languages daily. Best bet is if you struggle communicating with anyone for any reason, download the Google Translate app and use it to answer questions you might have in a discussion.
I want to ask for a playetalents autograph and I'm standing right beside them. How should I ask?
Use common sense. Most players/talent would be more than willing to sign an autograph or pose for a photo with you. But also be aware that much of the on-screen talent (Slacks, Kaci, panel members) will often have to be running from segment to segment, taking in matches and so on. If they seem to have a minute, ask nicely, thank them for their time and cross one off of the bucket list.
I want to throw things at Slacks!
Don't throw things at Slacks.
Will there be an outdoor screen showing games?
No update on this. Rogers Arena is mainly a concrete concourse, surrounded by a viaduct and multiple lower roads. Unlike Seattle Center (which had multiple fields and smaller available venues), the only place large enough outside the Arena that could hold a large crowd with a big screen would most likely be the "main" entrance through Expo Blvd/Pat Quinn Way. There are a few other options in the area, but we're going to have to wait to see how creative Valve is with the space around the Arena. Perhaps they rent out the adjacent parking lots?
Will there be a beer garden?
No update on this also, but again, there's a lack of outdoor space beyond the concrete concourse. Sportsbar Live will be open, which also gives a view of inside the Arena while you're eating/drinking. But again, it's indoors.
Can I charge my phone inside of Rogers Arena?
From what I remember from Canucks games, yes, there are stations where you can plug your phone in to charge. But don't be surprised if a company like NVIDIA pops up a charging station outside much like in Seattle.
What is the capacity for Rogers Arena?
Where will I be able to see players? Will there be an open-area to ask for autographs?
One of the more obvious differences that most people will find from Key Arena to Rogers Arena, is that unlike Key Arena, Rogers doesn't have an open space concept between levels. Meaning, you won't be able to just look up to the third floor and see players hanging out like you normally would. This year, they most likely will be held in the boxes above or in the dressing rooms in the lower levels. Look for autograph times scheduled throughout the week to see your favorite players.
Is there anything being hosted at BC Place during TI?
The only thing right now is a Vancouver Whitecaps (MLS) game on August 18th and a BC Lions (CFL) on the 25th. So if you really feel inclined, now you know.
Where, how and when can we buy weed legally when we arrive in Vancouver?
When: On October 17th, weed will officially be legalized in British Columbia and most parts of Canada. How: Normally you need a medicinal prescription to purchase marijuana legally. Though, because of the soon to be legalization coming up in a few months, most dispensaries will most likely write you a prescription if you tell them a valid medical reason for the marijuana (Trouble sleeping, chronic joint pain, back pain, headaches, trouble eating etc.). My friends who smoke themselves told me that hot tip, so do with it what you will. Please DO NOT buy weed from a source that isn't verified by another trusted person or a licensed dispensary. You never know what your weed could be laced with. Where: Here are some dispensaries located close to Rogers Arena. Bloom Medical Dispensary The Dub Dispensary The Medical Cannibis Dispensary
Where can I smoke?
You can't smoke anywhere that frequents children, even if there aren't kids around. So no beaches, public parks, playgrounds etc.. So just, anywhere that's away from people that don't want to partake essentially.
Yo dude, thanks for that help, hit this shit real quick.
I wasn't able to buy any tickets. What should I do?
If you weren't able to buy tickets from Ticket Master, you have a few options. Post in the TI8 Vancouver Subreddit and ask if anyone has a spare ticket. Buying tickets from scalpers in front of Rogers Arena is fairly easy and shouldn't be difficult if you understand the basics of haggling.
Know what you're comfortable paying and stick to it. Always remember that number.
Be prepared to just walk away. The longer you stay negotiating, the more you show the scalper how important it is for you to buy the tickets. Play the long game.
The less you talk, the less information you give the scalper. If he says he's got a Midweek ticket for $300, shrug and say no thanks.
Have money in your hand/wallet when you're trying to buy tickets. When they see that the cash is right there, they'll be more inclined to just make the deal and move onto the next one.
You will most likely miss the opening ceremonies, but after that the prices for Midweek tickets will normalize and scalpers will want to just get rid of their tickets at a lesser price. The advantage you have in this instance is that Vancouver, outside of the LoL tournament at Pacific Colosseum, doesn't have much experience with esports tournaments. So scalpers themselves won't have the same level of patience. The longer you wait to buy your tickets from them, the cheaper you can get them for. Only downside is that you'll be missing games. The other thing you can do is literally just walk around the outside of the Arena and spot non-scalpers with extra tickets. There are always people who buy extra tickets and are just wanting to get their money back (friends flake on them, they couldn't flip them like they thought). DO NOT panic and end up buying an overpriced ticket from StubHub, Craigslist or wherever. Tickets will be available, you just have to keep your cool.
I'm picking up my tickets at the venue. Where do I go?
The box office at Rogers Arena is located at the bottom of the venue on Expo/Pat Quinn Way at the Toyota Ticket Center. You can pick up your tickets between these times: Mon, August 20th: 7AM - 9PM Tue, August 21th: 8AM - 9PM Wed, August 22nd: 8AM - 9PM Thu, August 23rd: 8AM - 9PM Fri, August 24th: 8AM - 9PM Not sure about the box office times for the Finals. Will update that when I know.
FIRST TIME ATTENDING TI
I'm coming to TI alone. What can I expect?
So first off, understand that EVERYONE there is going for the same reason you are, DOTA. Don't be afraid to go up to people, say hello and start conversations. If they shrug you off, fuck them, they don't deserve your brilliance. Enjoy yourself. Worst case, just create a thread on DOTA saying that you want to go shotgun a few beers. My first TI was pretty much by myself, but the combination of a beer + a garden really did wonders. Simply put, don't worry as much as your mind is telling you to worry. All the talent (casters/players) are incredibly friendly and are pretty much the same as us, just super stoked to be there. But do give them space if they're working or running around to the next thing.
What else do I need my Ticket/Badge for?
During TI, after every First Blood in a match, there are potential drops given to in arena attendee's who have registered their badge with their Steam ID. There will be a Steam Link kiosk/section OUTSIDE of Rogers Arena, so look out for it. You must have tapped into the Arena in order to be eligible for those drops. The link to register your badge to be eligible for these drops will be on the back of your badge when you receive it.
What sort of stuff should I be bringing with me on an average day?
Try to pack as lightly and efficiently as possible. My two main staples during the last two TI's were a water bottle (usually given out in a goody bag for midweek + finals ticket holders) and a portable battery pack for my phone. Also know that you might buy things from the Secret Shop, do some shopping downtown and the last thing you want to do is carry that stuff around with you all day. Though consider bringing a sweater for inside the Arena, as Rogers is a fairly cold one. HOT TIP Try checking with bell boys/concierge at any hotels if they can possibly check in some of your bags for you. I tried this at TI7 and was surprised how chill they were. I left them a $5 tip for taking my bags and was free for the rest of the day.
When should I go to the Secret Shop?
Avoid the Secret Shop on the first day or else you'll just spend the entire day waiting in line. Midweek the shop lines will be much more reasonable.
What else should I do in Vancouver beyond watching DOTA?
I have an emergency and I need help. Who do I call?
Depending on your situation, here are numbers for emergencies in British Columbia. Ambulance, fire, police: 911 Poison Control: Lower Mainland: 604-682-5050 Toll-free: 1-800-567-8911 Healthlink BC: 811 Deaf or Hearing Impaired: 711 Crisis Intervention & Suicide Prevention: Call 1-800-SUICIDE (1-800-784-2433) if you are considering suicide or are concerned about someone who may be. Mental health support: Call 310-6789 (no need to dial area code) for emotional support, information and resources specific to mental health.
Who's the guy with the statue outside the Arena?
That is Roger Neilson, former Vancouver Canucks head coach and the inventor of towel power. Please treat it nicely!
Where does Arteezy live? Where did he go to school? Where does he hang out?
How sweet of you to ask! That would be Lush by Snail Mail. Please, if you feel like you need to ask any questions, or there should be things added to this FAQ, post here or DM me. There are obviously some things that no one knows right now in regards to potential additions or subtractions from moving the event from Key Arena to Rogers. But I'll try my best to keep this thing updated if people bookmark it for future use. Enjoy planning your trip to TI!
WSB101 - THE BOOK OF YOLO: BEGINNERS GUIDE TO TRADING LIKE A DEGENERATE AND EVERYTHING WSB
The Book of Yolo: COMPLETE GUIDE TO WSB The goal of this is to actually create something that all of you WSB newbies can read - because we’re all tired of seeing the endless wave of uninformed and unavoidable stupidity from those who have never touched the stock market. CALLING ALL NEWFAGS AND NORMIES. If you can’t read, GFY now. Now that we will be on the popular section of reddit, this has become pertinent. WSB can't avoid newcomers, so we might as well explain how the clock ticks here. This one is for you all. This is to serve as a reference what values we hold, what instruments we use, and as a general place to educated the uneducated. First off, this is the LEAST helpful stock market-based community for newcomers. Sarcastic answers are the only thing of true value here. It isn't a place to learn, but a place to plan out where you will dock your yacht. Newcomers are usually berated upon asking the inevitable stupid questions that they could learn slowly from reading here, or just using a damn search engine. Instead of embarrassing yourself here, you now have the opportunity to read this and get what we’re all rambling about. This will help you understand what to expect if you make the decision to undertake a WSB style trading career, so you can stay here and contribute to the yolo lifestyle or otherwise GFY. I will edit in any suggestions that our frequenting users or mods want to add to this as well. To begin: Here are our topics for WSB101 -Basics (Equities/Stocks) ; -ETF's ; -Options ; -Futures Trading ; -SubCulture ; BASICS/EQUTIES Skip if you understand basic stock stuff Okay, so what is an equity/stock? An equity is essentially what you’d think of as your “vanilla” trading tool. They move up or down depending on market forces, and can range from pennies to thousands of dollars per share. To explain how stocks work, let's define a few terms. Volume: The number of shares of stock traded during a particular time period, normally measured in average daily trading volume. Spread: The difference between the bid and the ask price Bid Price: The current price in which someone wants to buy at Ask Price:The current price in which someone wants to sell at Volatility: The WSB favorite. Volatility is referring to the price movements of a stock as a whole. The higher the volatility, the more the stock is moving up or down. Highly volatile stocks are ones with extreme daily up and down movements and wide intraday trading ranges. Margin: A margin account lets a person borrow money (take out a loan essentially) from a broker to purchase an investment. The difference between the amount of the loan, and the price of the securities, is called the margin. Margin is one of WSB’s popular instruments of wealth and destruction. Dividend: This is a portion of a company’s earnings that is paid to shareholders, or people that own hat company’s stock, on a quarterly or annual basis. Not all companies do this. PPS: Acronym for “Price per Share” Moving Average: A stock’s average price-per-share during a specific period of time. Bullish: Expecting the stock to go up Bearish: Expecting the stock to go down Any raised hands can redirect themselves to here: http://www.investopedia.com/articles/investing/082614/how-stock-market-works.asp?ad=dirN&qo=investopediaSiteSearch&qsrc=0&o=40186 Now that these terms are defined, let's move into the details of why this is even useful. Most people know what a stock is, but how and why stocks move is a different story. The stock market is essentially a big virtualization of supply and demand - meaning that usually high positive volume creates upwards movement in the PPS, where high negative volume does the opposite. This creates a trader’s opportunity; Generally, the most effective time to buy or sell is where the candlesticks (volume data) are thinning out. When you are ready to take an entry point or execute an exit point, waiting till the volatility (candlesticks) thin out is one method to give you best trade possible. WSB FAVORITE EQUITIES: Of many equities, WSB favors the riskier ones - but avoiding penny stocks is a policy. AMD - CEO Lisa Su, Next Gen Processors, chips, graphics. It’s the gamers gambit. Up roughly 1400% as of 2/7/2017 since WSB first mentioned it NVDA - AMD’s sister? Mother? Daddy? Who knows. NVDA has been a sexy semiconductor leader. Is up 400% since gaining traction on WSB. FNMA / pfds - Mnunchin, Trump, Big fat fannies. Get your self deep in the fannie. We all want it. WSB 10 bagger candidate for reforming the housing market. WSB holds a large cumulative position that can be seen below. Also a good read is the beginners guide to FNMA. Any post by u/NOVACPA is very often VERY informative on FMNA/pfds. https://www.reddit.com/wallstreetbets/comments/5oissp/results_wsb_fnmafmcc_holdings https://www.reddit.com/wallstreetbets/comments/5t7gba/beginngers_guide_to_fnma_fmcc_read_this_before/ ARRY - A biotech champion that prevailed after a lot of failures and huge losses in the biotech sector. Dark times for WSB. Up ~300% since getting traction on the subreddit. TWTR - WSB likes to buy put option contracts on her. Exemplary of a social media platform that is unable to monetize itself. TSLA - Maybe not unanimously a favorite, but loved for it’s sexy volatility, Elon Musk, and ridiculously expensive options. GILD - A Shkreli pump and dump? The greatest large cap pharma recovery of all time? Who knows. Martin took the time to make a post on this reddit and it is up $5 dollars since. ETF'S Welcome to the world of investing made easy. Exchange traded funds (etfs) are devices that can be traded like stocks, but often track the value of many companies by investing in their listed assets accordingly. Specifically, An ETF, or exchange traded fund, is a marketable security that tracks an index, a commodity, bonds, or a basket of assets like an index fund. Unlike mutual funds, an ETF trades like a common stock on a stock exchange. ETFs experience price changes throughout the day as they are bought and sold. ETFs typically have higher daily liquidity and lower fees than mutual fund shares, making them an attractive alternative for individual investors. ETF’s come in beautiful and delicious varieties, often with a BEAR form and a BULL form of each; but the most delicious to WSB are the 3x etf’s. A 3x ETF is one in which the underlying movement of the ETF is leveraged 3:1. Meaning for every movement within the underlying index or stocks, the 3x ETF moves well.... 3x as much.. WSB FAVORITE AND USEFUL ETF’S: JNUG - 3x Gold Miner Bull - A hit or miss, has extreme intraday movements and essentially tracks GDX (gold miner’s index). Jnug will usually move with a pretty strong correlation to gold, which is affected by the mentioning of rate hikes (negatively), movement of the US dollar (inversely), uncertainty (positively), and supply and demand. NUGT - Jnug with a different price tag JDST - The inverse 3x etf of JNUG - or the bear etf. It does almost exactly the opposite movements of JNUG by the tick. Moves for the same reasons, but obviously opposite directions. DUST - Jdst with a different price tag. UGAZ - Natural Gas 3x Bull ETF - essentially tracks the price value of the commodity Natural Gas, but more specifically the S&P GSCI Natural Gas Index ER. The index comprises futures contracts on a single commodity and is calculated according to the methodology of the S&P GSCI Index. Natural gas is most affected by Weather temperature conditions (use your brain), petroleum prices, and broader economic conditions. DGAZ - Inverse of UGAZ UWT - Crude Oil Bull 3x ETF - extreme intraday movements, closely follows the price of oil. More specifically, it tracks futures. UWT seeks to replicate, net of expenses, three times of the S&P GSCI® Crude Oil Index ER. The index tracks a hypothetical position in the nearest-to-expiration NYMEX light sweet crude oil futures contract, which is rolled each month into the futures contract expiring in the next month. The value of the index fluctuates with changes in the price of the relevant NYMEX light sweet crude oil futures contracts. DWT - Inverse of UWT FAS - Financial Bull, specifically FAS seeks daily investment results, before fees and expenses, of 300% of the performance of the Russell 1000 ® Financial Services Index. The fund creates long positions by investing at least 80% of its assets in the securities that comprise the Russell 1000 ® Financial Services Index and/or financial instruments that provide leveraged and unleveraged exposure to the index. Can be used when bullish on US financial services - so banks, lenders, etc. FAZ - Inverse of FAS UPRO - S&P500 Bull 3x ETF, essentially tracks the S&P500 and multiplies it’s returns by 3x. BRZU - Tracks Brazil (in its most basic form). It creates long positions in the MSCI Brazil 25/50 Index. LABU - Tracks the Biotech sector, or specifically 300% of the performance of the S&P Biotechnology Select Industry Index ("index"). It should be noted that LABU has doubled since just before the election of Donald Trump. LABD - Inverse of LABU RUSL - roughly creates 300% of the performance of the MVIS Russia Index. RUSS - Inverse of RUSL SPY - Tracks the S&P500, but is not 3x. OPTIONS: Alright, so half you are going to understand this, and half of you are not. Pull up an options chain now on any stock (penny stocks and specific stocks do not have chains because of their market cap). Options are truly the ultimate way to achieve maximum risk/reward. An option is a contract that gives the buyer the right to buy or sell 100 shares of a stock at a certain price, on a certain date. This concept makes options a commodity themselves. KEY TERMS: A CALL - is the right to buy. Buying calls is taking a bullish position in its most extreme form. A PUT - is the right to sell. The underlying - is the stock that the option is covering i.e. AAPL, GOOG, AMZN Strike Price - the price at which a put or call option can be exercised. ITM, In the money - In the money means that a call option's strike price is below the market price of the underlying asset or that the strike price of a put option is above the market price of the underlying asset. Being in the money does not mean you will profit, it just means the option is worth exercising. OTM, Out of the money - a call option with a strike price that is higher than the market price of the underlying asset, or a put option with a strike price that is lower than the market price of the underlying asset. ATM - At the money - Strike price at the same price as the underlying Expiration - Expiries for options are every friday of every week usually, with exceptions such as every month, or every other day - depending on the underlying. SPY and SPX are great examples of very active option chains with expiries every other day. On the expiry date or any time before (with american options), an option can be, but doesn’t have to be exercised, meaning the holder of the option can use it to buy or sell shares of the underlying stock at the strike price. Most people on WSB do not exercise the contracts, but merely flip them for increases in value as the underlying moves. For example, when AAPL was at 120 before its earnings report, Joe Shmoe Yolo buys 10 FEB 17th CALLS at strike 127 for .60 , each. Now .60 cents is really 60 dollars each, because the contract is multiplied by 100 (the right to 100 shares). In total, Joe Shmoe Yolo spends $600 dollars + commision on this trade. The next day, AAPL leaps to 130 upon great news. These same option contracts are now worth 3.50 each. $350 dollars per contract, times ten contracts is $3500 dollars. Joe Shmoe Yolo just turned $600 into $3500 dollars. MAGIC. Spoiler alert: Joe Shmoe Yolo was me. That same Joe Shmoe later buys FEB 17th XOM calls at 90, hoping for similar results. However, XOM ends up never reaching anywhere close to the strike price, and the options expire worthless. Get it? Now what determines the pricing of options? OPTION PRICING: Below is sourced from investopedia Intrinsic Value: The intrinsic value is the actual value of a company or an asset based on an underlying perception of its true value including all aspects of the business, in terms of both tangible and intangible factors. This value may or may not be the same as the current market value. Additionally, intrinsic value is primarily used in options pricing to indicate the amount an option is in the money. Time Value: Time Value = Option Price - Intrinsic Value. The more time an option has until it expires, the greater the chance it will end up in the money. The time component of an option decays exponentially. The actual derivation of the time value of an option is a fairly complex equation. As a general rule, an option will lose one-third of its value during the first half of its life and two-thirds during the second half of its life. This is an important concept for securities investors because the closer you get to expiration, the more of a move in the underlying security is needed to impact the price of the option. Time value is basically the risk premium that the option seller requires to provide the option buyer the right to buy/sell the stock up to the date the option expires. It is like an insurance premium of the option; the higher the risk, the higher the cost to buy the option. Makes sense, right? Time value is determined by the expiration date. An expiration date in derivatives is the last day that an options contract is valid. When investors buy options, the contracts gives them the right but not the obligation, to buy or sell the assets at a predetermined price, called a strike price, within a given time period, which is on or before the expiration date. If an investor chooses not to exercise that right, the option expires and becomes worthless, and the investor loses the money paid to buy it. Volatility: In an options pricing, you see IV. This stands for implied volatility. The higher that is, the higher the options will be priced Volatility is the extent to which the return of the underlying asset will fluctuate between now and the option's expiration. Volatility, as expressed as a percentage coefficient within option-pricing formulas, arises from daily trading activities. How volatility is measured will affect the value of the coefficient used. Decaying Nature of Options: Decay refers to derivative trading (i.e. options). When you sell or buy a call/put (using those two for simplicity purposes) you don't get an infinite time frame to make your dreams come true. Time is your enemy; the further out the expiration date, the less time decay there is. Time decay really hits the worst the week of expiration. Sound confusing? Say you're buying options of the stock WSB (I hope you're seeing what I did there) - and the option costs $1, the expiration is this Friday. Say today is Monday. You buy a call expecting WSB to take you to the moon and beyond. Each day the stock doesn't move closer to your strike price or remains stagnant/drops, you lose value on your option + the time decay. Meaning if it finishes closer to your strike price, your option could be worthless because of that time decay. Questions? Ask away. A great example of these factors in action is TSLA. TSLA’s options are among the most expensive for companies in its price range, why? An in the money TSLA call expiring this week is worth around $1100 per contract. Insanely expensive. But for a reason. TSLA has extreme intraday movements and calls have an implied volatility of 40.92%. Which is fairly high. In addition to that, it holds high intrinsic value / price per share, and a week of time value. -Futures 101 - The Ultimate YOLO Guide (thanks to u/IncendiaryGames) Okay, a lot of you have been YOLOing on faggot delights on SPY options. How would you like to trade something with the same or more leverage, 1.0 delta, and no time premium costs? Have you considered futures? What are futures? Unlike options, futures is a contract where both the buyer and seller is obligated to perform the transaction by the expiration. Conversely, in options, only the seller is obligated to perform. That means you can lose more than your investment. Originally they were used by farmers to sell future crops early and guarantee some amount of sales. Since then futures have expanded not just to commodities but currency and equity indices like the S&P 500. Why the heck would I want to trade futures? Here are the advantages: Leverage $5k is the margin requirement for most contracts. For example with the E-mini S&P 500 with 5k you're trading $120k worth of stuff. 1 contract = 500 spy shares. Some brokers offer intraday daytrading margin rates too - TD Ameritrade is 25% of the overnight margin rate($1,250.) Some brokers go as low as $500 an /ES future. SPAN Margin If 24x overnight leverage and 240x day trade leverage didn't give you a hard on there is also SPAN margin, which is like portfolio margin on steroids. The beauty of SPAN margin is you don't need a $125k+ account to be eligible. SPAN will greatly reduce your margin requirements if you hold uncorrelated or inversely correlated positions (up to an 80% discount, here is a list of groups that give discounts) and if you hedge with options. Hedge with the right option or asset and now you have up to 500x day trading margin. 23/7 and day trading Ever get in and out of an equity only to have your broker yell at you to stop doing that or deposit $25k? There is no pattern day trading restrictions on futures. Feel free to day trade and blow up your account as often as you want! You can also trade 23 hours a day. Get trading on how the S&P 500 index will react to news from China right away. Taxes No matter how long or how short you hold you always get taxed under the 60/40 rule. 60% of your profit from futures will be taxed as a long term gain and 40% will be taxed as short term gain. No wash sales. Trade your hearts out. Just remember holding past Dec 31st will treat you as if you closed all your positions that day and you'll be taxed on unrealized gains. Long/Short No need to pay interest or borrow shares as being short a future contract is being a writer, just like an options writer. Options Of course there are options. What fun would it be without options? Unlike stock options each contract gives different number of future contracts. Research what you're trading. Ok. I'm convinced. I want to strat trading futures! What are some good strategies? YOLO Strategies Swing trading Trying to guess/predict/ride sudden market momentum. A low volume average day in the S&P 500 (/ES) for one contract can swing +- $500. Get it right and you can see a huge appreciation of value. /ES is usually highly liquid during regular hours with average volume of 1 million trades and usually bid-ask spreads of one tick. One approach is to buy or short in your direction and put in a stop loss to an amount you're comfortable to lose (say $200.) Since it's so liquid you'll likely be filled at or near your stop loss during the day if your trade goes against you. If you can guess the direction 50% of the time and have trades like this: trade 1 - gain $800 trade 2 - lose $200 Then you may profit over the time period. If you have a 50% chance of being wrong and losing $200 or 50% chance of being right and gaining $800 then over time you'll gain more than you lose. Also, since the present value of your futures contract is included in your margin calculation then if it goes strongly in your favor your position can quickly grow to cover its own margin and you can let it ride for a while. You'll want to be sure you enter a combo buy/short order along with a stop loss order simultaneously, like this for Thinkorswim. Futures can move suddenly and a sudden movement can make you lose a ton of money. Exploiting outdated SPAN margin guidelines There are several out of date correlations between popular futures like oil and say things like wheat that SPAN gives you margin credits on. Take whatever position you want in oil (/cl) then take the opposite in something that doesn't move much day to day with less volatility such as /w (wheat)) and your /cl and /w positions will get a 75% credit, giving you 50% more buying power on crude oil. (2 positions * .25 = 0.5). Trade your heart out on the more volatile future then when you're done close your safer future pair. SPAN is constantly changing but such a complex system definitely has its exploits. Automated/algorithmic trading For you programmer geeks out there it's really hard to algorithmic trade on small accounts due to pattern day trading rules and economies of scale with broker fees. Futures is probably the best way to get your feet wet. Join us on /algotrading if you want to explore more! Boring safer strategies I'm including these for completeness but these belong on /investing. Scalping With high frequency trading scalping is less guaranteed. Basically scalping is using tiny momentum as usually there are small micro patterns in futures buying and selling activity where it will rise or fall a couple of ticks. Since the notional value of each tick is $12.5 it's profitable for retail investors and small accounts to act as a market maker after fees at the smallest bid-ask spread possible. Spreads Just like you can trade spreads in options, you can trade calendar spreads in futures. Futures have contracts with different expiration dates and the prices are different for each month of expiration based on the market's expectations. You can go long or short the near month expiration and the opposite for the far month. This will hedge out any sudden market moves as that would likely affect both months. Bull markets in general tend to increase the price of the near month faster than the far month. Basically with a spread trade you're making a long term bet on bull or bear for the underlying future. Pairs trading You can go long in one future say the dow jones (/ym) and short the S&P 500 index and profit off the relative growth. This is a hedged trade as any market ups or downs will likely affect both positions with the same % value. For the past 180 days /ym - /es has been really profitable. Even if you don't do a full perfect pairs trade it is still a great option to reduce the leverage too on whatever index future you're trading so you can stay in longer or overnight. Interest rate and optimal leverage plays Since the $5k investment is equal to $120k of the S&P 500 index currently then you'll likely beat out the market by buying one future contract and putting $115k in safe treasuries or bonds or uncorrelated assets. Some people choose to leverage their stock portfolio and you can get the exact leverage ratio of liquid investments to future ratios. In probability theory the max leverage you can gain is determined by the Kelly Criterion which modeling shows indicates the S&P 500 index to be leveraged to 1.40x. Yes, you could do the same with options but even on SPY deep in the money call leaps are illiquid and have a time premium. Even today they are so deep ITM that the options you would need to use have 0 open interest and a bid-ask spread of $5 per share (so $500 per contract.) You'd need ~5 contracts per 120k so you're already eating $2.5k/$120k - 2% interest rate a year for that leverage. SPX isn't better, it's bid ask is 22 so you'd be eating $2.2k/$120k - 1.83% interest rate. It's doubtful you won't get much past the ask as its only market makers providing liquidity and guess what the market maker will do if you buy/sell the option? They will hedge with the underlying futures until their minimum profit is the risk free interest rate. Hedging Going long and short in various non correlated or negatively correlated assets to seek out a high sharpe ratio and have a higher risk free return that is market neutral. Basic hedge fund stuff. The variety and price efficiency of futures makes things pretty attractive in this area. SUBCULTURE Wallstreetbets is a community that has become infamous for the most wild west, moon or cardboard box trades on the planet earth. WSB is a place where you can take out thousand dollar loans, refinance your homes, cash advance all of your credit cards only to put it all on JNUG, and we will still love you. Your mother won't. Your father will never understand your spectrum of autism, but we will always love you. It is a uniquely beautiful community focused on praising its biggest losers as much as its biggest winners. To begin on the subculture, we should define some key moments in the sub's history. HISTORY: (As made by u/digadiga) + my additions 2012: Jartek [+1] creates /wallstreetbets, and word slowly starts to ooze out. 2013: americanpegasus discovers pennies. AP has seen the light, and is a penny stock evangelist. Jartek & AP have an epic options vs pennies battle - they both lose a couple of hundred bucks, but we are entertained, and WSB is officially born. AP blows up his retirement, swears off pennies and moves onto bitcoins. 2014: fscomeau [+3] discovers options. He repeatedly bets five figures on AAPL calls before earnings. FS claims a supernatural clairvoyance of AAPL. FS then posts about his chest pains and ER visits. He finally suffers an epic loss. Is he dead? Is he alive? Is he is mother? Is he banned? Who cares? 2015: Photos from the 3rd annual meetup are posted. Where a bunch of dudes hang out on the romantic beaches of Guerrero Mexico. In a completely unrelated event, the wsb banner is changed to thousands of ejaculating dicks. Modpocalypse occurs. Hundreds of random users are added as moderators for a few months. None of the new mods can change the CSS. The constant whining about how "wsb isn't what it used to be" continues. Someone attempts to show how selling covered calls is idiot proof, but gets lazy, bets all six figures on Apple, and suffers significant losses. Robinhood gets popular. Should you buy one share of AMZN or one share of GOOGL? Who gives a fuck. 2016: Everyone starts saying "go fuck yourself." Except me. Because I am what I am. And if you don't like it, you can all go fuck yourselves. u/World_Chaos performs one of the more impressive yolo's of the sub, starting with 900 dollars, and turning it into 55k. https://www.reddit.com/wallstreetbets/comments/414blh/yofuckinglo_900_to_55k_in_12_days/?ref=share&ref_source=link 2017: u/fscomeau preforms what he calls "The Final Yolo", a 300k trade against AAPL before earnings (that I, u/thor303456 inversed), supposedly supposed to net fscomeau 2.5 million or so, in which he will finally stop trading. FSC is featured on several market related articles and newspapers, showing up on yahoo, etc. Later we find proof during his livestream of AAPL earnings that he was paper trading. Even later, FSC writes a near 200 page book called "Wolfie Has Fallen" describing how he trolled the entire internet, some following him into that AAPL trade. Martin Shkreli visits the sub and proclaims that GILD pharma is worth over $100 a share and is deeply undervalued. KEY FIGURES: Donald J Trump - He is the Marmalade Manchurian, the Tangerine Tycoon, and our spray tan Stalin. Unbelievable night of election. WSB demographics show a primarily capitalist and right wing (or at least joking to be so) point of view, and thus we are generally pro trump. In actuality though, WSB is focused on pro-market, which Trump happens to be. u/Jartek - Founder of the sub, original yoloer. Believe he has retired from reddit for the most part. Mostly inactive. u/Fscomeau - The Canadian as some call him, and perhaps one of the most profound internet trolls of 2016-2017. A French-Canadian trader who deals with mostly options. The man has been called "The Great Inverse", and for a good reason. Nearly all of the trades or statements he made on WSB were completely wrong or mostly wrong. Truly the strongest technical indicator. Martin Shkreli - An idol to many WSBers, Martin stands as the master of the biotech sector. A very debated character for very stupid reasons. Martin regularly tweets about the stock market, occasionally does a youtube channel, and livestreams fairly regularly. u/theycallme1 - Educated trader, and mod of WSB. Roasts people often and roasts them good. Ask him the questions that aren't stupid. One of the most active mods. u/world_chaos - some fucking college student with some real net worth. Sits on 100k or so (needs verification), and was an inspiring yoloer to all, with his 900 to 55k yolo with options. Lingo, Terminology, and Nomenclature: The Faggots Delights - Truly the most suicidal, yet clearest shot to the moon. This term is usually used to define either weekly, or daily option plays on the SPY/SPX. Some users trade them very profitably, such as u/MRPguy and many in the past. Cuck - Truly the worst thing you could be. A cuck is a man who likes watching his wife/girlfriend fuck other guys. Weak, spineless, and a term often throw around here. The YOLO - You only live once. This is something that is, and should be realized as undeniably true. Why are you sitting on a 5k emergency fund that is making you less interest in a year than what I just made in 10 minutes? Why haven't you used all of the credit on your 5 credit cards or used your testicles as collateral for a loan yet? YOLO or YOLOING is as much a psychological decision to embrace absurdism, and win with everything you have while risking it all. Yolo is what it means to be a WSB trader. Bagholding or a Bagholder - When you're stuck with the most ass trade of your life, because you know it'll go back up. A bagholder is the 59 year old guy at the grocery store who won't quit his Job because he knows he only has to wait another year until he gets a return on his investment (of his life). Anyone holding SUNEQ is the definition of a bagholder. Autists - Something we embrace, something we call each other, something we all are. Autism isn't used in an offensive way as much as it is a generally accepted term that defines us. The best traders have autism because of their distance from emotion. I bet you never made it to this part of the reading because you're such a damn autist. Tendies - Tendies are what you get after you make a small amount of money. "I SOLD AMD TODAY FOR A $13 DOLLAR PROFIT, GOING TO MCD's TO GET MY TENDIES". Tendie money is usually shameful and insignificant, but at least it got you tendies. Chicken tenders at McDonalds are the least expensive for the most cholesterol. I know some of the writing was half ass, full of errors, or otherwise not the best explanation. But I believe this will serve its purpose, and maybe help to promote new ideas from moderately educated traders. WSB has very strong traders, and the most uniquely risky trading styles on the planet. Hopefully this can serve to better the overall community. You guys are all faggots, upvote this so we can get the noobs to stop trying to bite on our cocks. Also I'd really appreciate input on anything to add to this overall. It took my over 3 hours to write up, so I eventually grew tired and probably have missing spots. Enjoy your time here at WSB. EDIT: Added a shit ton of stuff, fixed errors. THANKS FOR ALL OF YOUR INPUT, ACTUALLY MAKING WSB GREAT AGAIN MODS: Can we make this editable by others mods or something? My fingers aren't enough. Seems like this could serve as a good "official" thing. Paging u/theycallme1u/CHAINSAW_VASECTOMY etc
Investing in Exchanges- A fair comparision between Binance, Coss and Kucoin.
Hello fellow crypto currency roller coaster riders! We are quite deep in the bear market, and today I wanted to talk about investing in cryptocurrency exchanges. Not by purchasing market shares, but by holding their native tokens for utility and of course, growth in the future. I do not work in finance, but I do like to see myself as someone always maintaining a neutral view towards projects. Because a open mind is always better when money is involved, even more when holding "bags" yourself. (You can scroll down for a TL;DR and for fees) Please note this article is about investing in exchanges, not which exchange is the best for you to trade at. I only mention these three exchanges because of personal experience with them. There are many more so this article could only be of partial help to you.
Why investing in (most) exchanges is exciting and with less overall risk:
Let me start this article by showing my excitement for these investments. Instead of hoping that one of the 100+ currency-replacing coins will become a global used coin on the whole globe, by investing in the exchanges themselves, you only risk money on the exchanges becoming a success. A bear market, while negatively impacting exchanges as well, is not half as bad as it is bad as for other coins. Because exchanges mostly win and grow based on volume. We all know how much volume bitcoin has, since it dropped below 6000. The main risk here, in my opinion, is if the exchanges themselves will make it (because there's quite a lot of them), and grow more, and if the cryptocurrency market itself will survive. The latter I have no doubt of. Of Course, standard risks apply as well. Successful hacks or drama will always damage the tokens a lot, but this goes for every project out there. I want to talk and compare 3 exchanges in this article. Binance, COSS, and Kucoin. I know there are a few more exchanges out there with native tokens as well, but forgive me that I don't have time to research all of them. Some of these exchanges are actually fairly high risk compared to others I am not mentioning, because I do not have experience with them. I recommend you to read this article and put it next to other articles to make your own conclusions and make your own investment advice. Before I start comparing these three exchanges, I do want to write a little about DEX's. (Decentralised Exchanges).
I feel decentralised exchanges hold no future. The nature of true decentralisation means the exchange can hold no funds, which means that every trade done on the platform requires more fees because its sending it between wallets. (But less fees if you transfer a lot of money) Not only this, but these DEX's sound like heaven to wash money in, so they may get shut down. (Because they do not need KYC) And if you are thinking that they won't, because they are decentralised and can't get shut down, then you are gravely mistaken, because law enforcement definitely has its ways to force the developer's to push a update that breaks the exchange. However, people have to admit that these exchanges are interesting, because security would probably be top notch at most of these DEX's, since it holds no funds whatsoever. It can still fall victim if there is a fault somewhere that allows a hacker to abuse a exploit (and then for example replacing a wallet address), but the chances on this are less than with centralised exchanges.
Binance is the top exchange out there. Not immediately by the top exchange volume, but because it has many altcoins that people appreciate. It has top notch support and is a very trustworthy service that has proven itself to also be reliable and fast. I also love its advanced features and UI, and the liquidity and volume it has on most coins makes trading simple. There are almost no negative things to say about binance, I did not experience any negatives anyway, so far. So now it's token: BNB. BNB is a growing token that still grows in utility- you can even get hotel rooms with BNB now. But the most important use is the fee cut on the exchange. If you do a trade and you pay 10 euro fee, it will become 7.5 euro paid in BNB, if you have BNB in your binance wallet. Because binance is at the top, people will flock towards binance to trade again. And the good amount of volume makes people want to purchase BNB tokens. Not the mention with the increasing amount of use cases for BNB, it makes more and more sense for people to hold some of it. Although I do have to note that the market cap of BNB is already quite high, so I do not expect huge growth. It should also be noted that every year, the fee cut gained from using BNB tokens will be decreased. Thus value may also therefore drop. Investment Opinion BNB: I would consider BNB a medium-high risk investment. This is because everyone knows to trust Binance, and it works really well, so I do not see them fall in the top used exchanges. The token earns use cases every year, however their main utility becomes less powerful every year, which is a red flag for investors. Personally not invested anymore.
Coss is something different. They actually have two native tokens: CFT and COSS. Coss had quite a buggy past, but seemed to have learned it's lessons regarding outsourcing development and have shown improvement. All of the past and how they improved can also be read on their medium posts. Support was the one time I needed to use it, fast and friendly. They now hired a in-house development team that build a successful exchange before. The recent released 1.2 version is a huge improvement over the buggy older version, that barely got used for good reason. With 1.2, they also introduced CFT, a token that just like BNB allows you to pay the fees using CFT. This will effectively cut all your trading fees by 25%, the same as binance currently does, without plans to make the cut less effective over the years. I feel COSS is on the right path. I think the token’s low market cap is because it's negative past and people moved on, but now coss is pushing forwards fast and seems to become a good competitive exchange. COSS seeks and seems to become best of all exchange worlds combined, and 1.2 shows they are well on their way. The risk on purchasing and holding COSS is due to the question: Can COSS get more users and bots for volume? At least to get to the 8.5 million daily to run even? They have shown (so far) that they are ready, but it’s a big step. There are still bugs to squash, still functions to add. But I can't ignore that 1.2 is a big step up. So now it's tokens: COSS and CFT. Purchasing COSS tokens will get you passive income over time. Every week (and in the future every day) the income from fees of the exchange are split in half. Half goes towards the company, and half goes towards COSS token holders. These are paid in literary all the coins that are paid by fees. So if bitcoin is traded the most, you will see mostly bitcoin appear in your passive income wallet. I find it's not only fun to watch getting tiny amounts of coins, but also fun to play around with calculations and see the amount of income we can get as volume increases. And we have to keep in mind coss-fsa.com income is calculated on current rates. Should we enter a bull market again, the income in dollars will only rise up. A small negative here, is that to receive small received coins from holding COSS, you must convert them to ETH or pay for receiving them. As to my understanding, this is a backup to make sure COSS cannot be noted as a security. (And a singapore lawyer already gave the opinion COSS is a utility token). Coss will be holding promo’s sometimes to convert all received coins into CFT or other possible coins. Participating in these promo’s will be entirely optional though. However you should also note that currently about 90 million coss tokens receive the passive income, out of a 200 million total supply. CFT fee cutting is also taking a bite from the average fee. So it is hard to make a estimate of what average fee to input on a calculator like coss-fsa.com. I find that COSS is a "high risk high gain" investment, because COSS admitted to need about 8.5 million dollar of volume daily to run even. They could have used the CFT utility on COSS tokens. But they did not, this shows that COSS needs additional funds to grow. I do not mind, this CFT causes additional attraction to use the exchange and will provide COSS with extra income it can use, to make themselves and token owners be successful. Win-Win? With CFT being an attractive option, with a well working API, fast deposits and a much more bug-free and stable 1.2 version right now, the growth potential for COSS is definitely there. You should note that COSS went from 0.4 million daily volume to 1.5 already. That is a growth of nearly 4x already. But to also be fair here, COSS is running on half fees this month only. So perhaps this volume might go down again next month. Unless more users and bots will come, of course. Coss's market cap is very low, and volume as well, because it's a platform that needs to prove itself to be reliable and trustworthy. In my opinion, it is already attractive enough for traders to come, and if COSS keeps this up, I feel COSS will meet a bright future. Investment Opinion COSS: I find coss a attractive well-working platform since 1.2 and might even consider using it as main exchange, if it will house my favorite altcoins in the future. I will not rate it fully high risk, but more as medium-high risk as investment, because I feel COSS definitely delivered with the 1.2 update and have shown good potential, and growth is already proven. Investment Opinion CFT: I feel i explained enough about CFT above as well, and would recommend purchasing it for traders, but not for holders currently. I say that because the price of CFT is 10 cents currently, and COSS tokens are currently lower in price, which I feel should not be correct a correct value between coss and ctf.
Kucoin is in many ways like COSS. They have proven themselves with a stable exchange that has a attractive UI and API, and that shows in their KCS token market cap. They also have a similar token usage and even the UI looks similar. However, I do not have much good to say about kucoin. I had contact with their support team twice, and I feel I was not helped well enough. Once time, I had nano transferred to Kucoin, and it took a full hour to deposit. (Nano is instant, so I panicked after 10 minutes and being fairly new at crypto) After around 30 hours of writing the support request, I got this reply: https://i.redd.it/4h8idfbtkoe01.jpg Note that this was a support team member, telling me to write "suppoet" if "still not work". Another time, i deposited eth to Kucoin and it took way longer. The transaction already showed it was successfully confirmed and received on the wallet address on kucoin, yet kucoin persisted that it was the fault of binance and told me to solve it with them. So Kucoin has quite bad support, in my experience. Furthermore, the platform is not true to promises and shady. I am also a moderator in Gladius, which has its native token as well. Kucoin states they give a head's up of 30 days before delisting. Kucoin did not give this head's up, and decided to delist Gladius's native token GLA because the lack of volume. They said they would delist it after ~30 hours in their message. After around 8 hours, it was already not possible to trade it anymore. So a double promise broken. Finally as a example is that kucoin stopped withdrawals of USDT, at the same time the market panicked about USDT. This probably caused a lot of trading and in turn, extra volume for Kucoin. So now its token: KCS. Again I have to be quite negative here. KCS holders are entitled to 50% of the profit Kucoin gets from trading fees. They also get a fee cut on trading by holding KCS. Sounds attractive right? Well....Not so much. First of all, Kucoin has a high probability of a secret system in place that will will give more income to kucoin, and less to KCS holders, at certain volume achieved by kucoin. At more than 50 million dollar traded daily, they start to reduce the 50% fair split to KCS holders. Even better, should the exchange ever reach 350 million volume daily, the 50% split will be reduced to 15%. The worst about this all, is that kucoin is hiding this from its users. When asking this question, no one will give you a clear answer. They will simply link you with how KCS works. Apparently this feature was also confirmed on their reddit and initial whitepaper, but all traces about this has been removed. Yet when asking about it, no one denies it, neither confirms it. Furthermore, you do not get a coin variation passive income like with COSS. No, all trade fees are simply converted to KCS, and then distributed to KCS holders. So you basically purchase KCS...to get more KCS. This may sound attractive to prevent tiny amounts of "dust" like on coss, but with coss you will also get options to convert all your dust to CFT later. Lastly, you could hold KCS to reduce trading fees, but you will need a lot, for a tiny discount. For holding 1000 KCS, you will get a 1% cut on fees. so 0,1% becomes 0,099%. The maximum discount is 30%, wich you get by holding 30.000 KCS. A small positive is that fees are then not paid in KCS. You keep the KCS. With binance and COSS, the fee is paid in their CFT and BNB tokens, so you lose the token over much trading. Investment Opinion KCS: I cannot say that Kucoin is a real bad investment perse, because they are clearly doing well, for whatever reason that may be. I will not come back to kucoin unless there is a token on there that I cannot get anywhere else, and then i will transfer that token out of kucoin. I would -personally- never ever invest in KCS and I will stay away from kucoin at all times.
Investing in exchanges is in my opinion one of the safest bets to make in cryptocurrencies, especially during this bear market. Decentralised Exchanges probably hold no future due to regulation and higher fees. Binance is the most used exchange for most, and is proven trustworthy, fast, stable and has many good options and liquidity. BNB tokens are an medium-high risk investment, because the market cap is already high, and its main utility of cutting fees, will grow less effective in time, but is still currently an attractive token. COSS is a exchange which is progressing fast, but has a bad history due to bugs and a mediocre UI. Can they become one of the top players? Yes they can if they continue like this. Time will tell if they gather enough trust and stability, and with trust and stability more users. COSS tokens are a medium-high risk to make a high passive income later or sell the tokens for high profit. Why people use Kucoin is beyond me. They are shady and not true to promises. would not recommend using it, neither would I recommend holding it's token, but facts do remain that they are doing well so far. I don't think they hold much future value because of the negative things I noted. Bitcoin can go down and destroy all your initial investment amounts, no matter what project you put it in. Risk factor: Very high.
It’s my bad, guys. I got too busy to sit down and format the post right after it went up. It’s been up for a few hours and people are blowing up over it. A few have private messaged me and asked for a link to the forum post. Let me clarify where this is being posted. This site is very, very privacy oriented. Links are automatically changed every few minutes, and they are updated across the site automatically. Even the domain name changes every couple of hours. In short, nothing on the site is static. You have to be invited and run software on your computer to keep the links updated. So, no, I can’t link anyone to the post. I can’t invite anyone to the site either, because every account gets ONE invite, and I’ve already given mine to a friend a while ago. Sorry. That’s also why, even though Michael/Neale provides links in this post, I can’t link them here. Without further comment, here’s the last post from Michael/Neale!
Jack's face told me that there would be no lying my way out. Not a chance in hell. He wasn't going to believe anything besides the truth. I eyed the gun on his bedside table briefly. If he didn't like the way I'd been living, he could shoot me. Or just plain attack me. Jack seemed to be a very upright and honest guy. I'd probably lose his help by the end of telling the truth. So, I did. I told him about leaving the military and being unable to find a job. I told him everything I've told you now. I told him that I did in fact talk with Neale's Employees, and that I didn't want the police involved because I was an identity thief. Jack sat on the bed across from me and just stared during my story. He barely even moved. No reaction. "I still don't know if these guys are after me as Michael, or me as Neale," I finished with a shrug. Then I sighed deeply and looked at the floor. "You're kidding me," Jack said after a few seconds of silence. "Nope, it's all true," I said. He stood up and grabbed one of the motel keys. "I'm taking a walk to think about this," he said. I didn't even look up. He left, and I stayed where I was, my eyes boring into the floor. "Fuck." I whispered after he slammed the door. My emotions were drained, but the adrenaline of being caught by Jack kept me alert. No way was I sleeping anytime soon. I pulled out my laptop and took a seat at the desk provided by the motel. It would be past midnight soon, so the DeathNote guys' latest wager would be wasted. They'd have to put in another if they wanted their money on their next attempt. If the DeathNote guys were going to try and make some money by killing me, I was going to use their greed against them. I wrote a quick bot that would poll the DeathNote site every few seconds. If a bounty was added under my name, I'd get a text from my email address. Hello crude alarm system. Writing that bot took about half an hour, and by the time I had finished, I was ready to sleep again. As I laid down, I turned up the ringer on my phone to its maximum. I hoped it would wake me up. Sleep hit me like a metric ton of bricks.
I didn't hear Jack come back in last night, but he was sleeping in his bed when I squinted in the morning light and rolled over. The curtains were parted just barely and let a single stream of sunlight right into my eyes. Grumbling, I got up to pull them closed. The alarm clock on my nightstand said it was 10am. I panicked, realizing that I was very late for work. I pushed that trivial panic down and laughed quietly at myself. I was so wrapped up in maintaining Chris's identity that I apparently didn't give a shit about Neale or Michael. Not getting fired took priority over staying alive, apparently. I called my store and told the employees I was sick and wouldn't be in after all. Giving instructions from memory. I glanced over at Jack, who was completely passed out. His Beretta, phone, and keys were lying on his bedside table. I watched him intently for a few minutes, thinking. He could very well wake up and call the cops on me. He was a liability now. But there was nothing I could do to get rid of him. Not now, at least. Time to get to work. I still had some fishing to do. Ha, get it?
I logged into the backend of the fake phishing site I'd made, and was pleased to find ten entries in the database. Ten people had used my "forgot password" scam, and eight of them were Neale's. The other two were from my Employees. Marco and Alejandro Chavez. Brothers? Or were they cover names? They had followed my instructions, providing the same email address for both of them, but separate phone numbers. Pulling out my phone, I entered both numbers and saved them. I had yet to decide what I was going to do with them. Now, onto Neale. All of these Neale's were at least a little smart. None of them gave addresses, only zip codes. But at least I had something. Two zip codes were far out of state, two were one state away, and three of them were from nearby counties. One Neale didn't even have the last name of Keaton. How many Neale Keaton's were there? I decided to investigate the three Neale's in nearby counties. Google provided Facebook pages, LinkedIn profiles, and even a Twitter account. They were semi-active there, and even though they looked like grade-A citizens online, there was no way to know if any of them were not my Neale. For each one, I created a Facebook profile with some stock photos online. Their profiles were locked down, but their friends lists were viewable. I correlated the number of friends and guessed that the friends with the most of the same high school meant that was the school Neale had gone to. I used that high school to finish the profile, and sent off a friend request. I followed the same procedure for the other two zip codes in the neighboring states, but ignored the other two that were far away. If they accepted my friend request, I could do some more digging on their profile and hopefully narrow down my list. It took me a couple of hours to set everything up. Jack woke up just as I was wrapping things up. "Guess you're more into computers than you let on," he said as he sat up. I didn't say anything, but I turned around slowly to make eye contact. "You gonna call the cops on me?" I ventured. "Do you see the cops here?" "No..." "There's your answer." "Are you planning to help me get out of this?" "I don't want to help you." "Then why are you still here?" I coarsely asked. "After last night, whoever was shooting at us knows I'm helping you. So, before I knew what kind of an asshole you are, I locked myself into this." "You really think I'm that big of an asshole that I don't deserve to live?" I said angrily. "Identity theft is pretty fucking serious, Michael. Or should I say "Chris", because that's what your name tag says." I cringed and shut my eyes. "Jack," I started. "I'm not a bad person, or at least I try not to be. I boost people's credit scores and only take what they can afford to lose and not get suspicious about. I do that so I have a chance at retiring and not being a store manager beyond the age of 65." "So you go to school, you learn how to be valuable instead of stealing value from someone else!" Jack's voice rose. I gestured wildly at my laptop. "I didn't know shit about this or business before I started! But look at me now, I'm learning and getting better! Hell, if I get good enough, I might be able to repay everything I took! Plus interest!" Jack turned away and ran his hands through his hair. "So if you're stuck with me, like you said, then what's the endgame here?" I asked, giving him a minute to collect himself. "To get my name disassociated with yours, or Neale's or whoever the fuck these guys are after." "Good, then we have the same goal: to ditch Neale's identity. I have a part of a plan. Maybe sixty-five percent." "How comforting," Jack sneered. I spread my arms out and widened my eyes. "I've gotten this far on some pretty complicated crimes, Jack. We can get out of this." Jack sighed. "What's your sixty-five percent of a plan?" "Well, obviously we leave this area and never come back. Find a way to fire those Employees after I pay them what I owe." "You owe them money?!" Jack cried incredulously. "Not me! Neale!" Jack shook his head at me. I continued anyway. "I pay them what I owe so they don't come looking for me. We leave town, I burn everything to do with Neale. I find a new job somewhere else, you do the same, and we're free and clear." "How is that only sixty-five percent of a plan? Sounds more like common sense." "I haven't run through all the variables yet to make sure nothing is left undone," I said, folding my arms. "If you want my help, I have some conditions," Jack said. "Honestly, I could take it or leave it at this point, so I'm not to inclined to ask for your help," I snipped. "Then you can walk home from the motel." I shut my mouth. "First, you give me your real info. First name, last name, military unit, parent's info, the works." I waited for him to continue, even though I was shouting "No!" internally. "Second, you burn every identity you have currently. All except for Chris, since you need a job somewhere. But if you take out anymore credit cards, they sure as hell better be in your name." I clenched my jaw. Those were my backups. My emergency identities in case I needed to run. "Then I've decided. I don't want your help." "Then I'll call the cops." "Not if I get out of town first." "Then I'll find Chris directly and tell him all about what you've been using his info for. I'm sure your store keeps records on first and last names and social security numbers. I'll call as a bill collector and find the real Chris. Your best identity will be gone." He snapped his fingers. "I can't believe this. You're threatening me to accept your help. Are you listening to yourself?" "Actually, I'm protecting the public against you. If I find out you're swindling people out of identities again after this, I'll turn you in myself. The alternative is that I turn you in right now." Shit. He had me in a tight corner. I could squeeze out, but it'd take time to plan and some research to-- "Deal?" Jack interrupted my thoughts, thrusting out a hand. "If we have a deal, I help you get out of Neale's identity and get the target off your head. No deal, and you go to jail tonight." I sighed, then took his hand. "First thing's first," Jack said after we let go. "Burn those identities."
I shuffled around my office, peeling credit cards and IDs from underneath tables and underneath carpet flooring. Jack explored the room, looking for any that I might be intentionally leaving behind. "We might need these to get out of town," I complained while stacking the cards on my desk. "You mean you might need them. I don't have any fake identities to fall back on if things go south, so you don't get them either." "I'm telling you, these could be useful," I grumbled. "And I told you that was part of the deal. Every identity except Chris." I kept Neale's and Chris's documents off to one side. Neale's I would need in case I needed to prove myself to my Employees, and Jack was letting me keep Chris's identity. I tried to keep at least one identity hidden, but Jack swept the room and found him. Bert Drew, a tax accountant. "Whoops, missed one," I laughed nervously. Jack just dropped the credit card on the table and continued searching. Once Jack was satisfied by his search, we gathered all the documents and cards and went to Jack's house. We took out his barbeque, lit a fire, and toasted each one. Every name that was dumped into the fire evoked memories for me. "And you'll pay off every last one of these and close the account?" Jack demanded. "Most are already paid off," I sighed. "I'll finish the rest today." He nodded his satisfaction.
After burning all that plastic to a crisp, we had gone inside to do some research. I wanted to check my phishing site for more details and talk to my Employees to find out how much I actually owed them. Jack stood behind me as if he didn't trust what I was doing. Out of recent habit, I went to DeathNote first. I couldn't believe what I was staring at. Neither could Jack. His jaw hung slack before he took his fingers through his hair again. "Oh my god..." I whispered. And so, my little darkweb dweebs--hey, that's kinda catchy--this is where you started to come in. I'm sure you've seen the lovely "Wanted Poster" style post at the top of DeathNote. "WANTED -- NEALE KEATON. REWARD: $150,000. DEAD OR ALIVE." The rest of the post was some big long monologue about how shitty Neale Keaton was and how he double crossed on his business deals and shot up both friends and enemies. It included lines about how Neale stole identities too, which I thought was interesting. Did they get that from the real Neale, or from stalking me? The post wasn't signed, not even with a username. It was stuck to the top of the page. I read it in horror, a horror that was amplified after what we’d just done. "YOU DICK!" I screamed, jumping at Jack and shoving him into the wall. Even as he backpedaled, he grabbed his Beretta and stabbed it into my chest. I was so furious that I didn't care. "WE BURNED ALL OF MY IDENTITIES EXCEPT NEALE AND CHRIS. WELL, GUESS WHAT?! THEY KNOW ABOUT CHRIS NOW TOO! I'M WORTHLESS NOW, JACK!" He kept the gun painfully dug into my chest and glared at me. "There were kids at the store, when Neale's "employees" showed up. They were taking photos together in front of the store. Posing and stuff. They weren't even suspicious." He was thinking now. "Do you see how far up shit creek we are now?!" I yelled. Eventually, I calmed down and we got back onto DeathNote. It got worse. There was an honest-to-God campaign against Neale. You assholes were commenting everything you could dig up on Neale from across the darkweb. The stuff came from hidden sites that I didn't have an invite to and couldn't have searched. Our Neale had been a very busy man. Killed three drug runners in an ambush and stole their goods. Burned down a few competing meth labs. Harassed people who planned to testify against his friends and killed the ones who did. I'd call him a bad guy, but that doesn't do it justice. Not only was he enemies with good people, but he was enemies with practically every other bad guy out there! Not a single positive comment about him showed up. And everyone that commented thought that his name belonged to my face. I sat back in disbelief. “I can't outrun this,” I sighed. “This is all over the place, who knows where he has and hasn't been. No matter where I move, this bounty, plus the DeathNote gamble, is attached to my face. Doesn't matter who I really am. No one is going to believe me when I say I'm not him.” Jack was staring grimly at the screen. My phone suddenly rang, which scared the hell out of both of us. I exhaled sharply then took it off the table. Another $1,000 had been added to DeathNote. I refreshed to see that, sure enough, there was more. The bet was for today. “We should get moving,” Jack said after seeing the new bet. “I need to take care of a couple of things on my own first,” I said. “Can I borrow your car and a scarf?”
Jack let me leave without a fight. I don't think he cared if I lived or died at that point. “I'll call a couple of friends and see what I can set up while you're gone,” was his response. I wrapped the scarf around my face in a way that didn't arouse suspicion, and left in Jack’s car. My plans were twofold: collect my cash from my hiding places, and pay Neale’s Employees. There were three hiding places in town with cash that would total around $5,000. Enough, I hoped, to pay the two and get us out of town. I called Marco, who I hoped was the tall one. “Hello?” “It’s me,” I ventured. “Hey, boss.” “You hear the news?” I asked. “Which part?” “I’ve been ousted.” “Heard that,” he said. “Anything else?” “Shawn Lockhard is looking for you.” Marco sounded nervous. “I'm not concerned about him right now,” I said, unsure how else to respond. “He’s offering you help.” Well then. I guess Neale has some friends after all. “What kind of help?” “The usual. Money, guns, passports.” A way out. Neale was offering me a way out. “I'm coming by to pay what I owe you,” I stated. “Remind me how much.” “Nah, boss, it’s only a couple thousand. Keep it, you're going to need it. We planned for this.” Well what do you know. Loyal employees, and good friends. Even though the world hated Neale, I was starting to like him. Guess he wasn't such a bad manager after all. “We still should meet,” I said, against my better judgement. I glanced in my rearview mirror in paranoia. “We need to talk.”
I left the meeting with Marco and Alejandro feeling a little better. I had a meeting with Shawn Lockhard, whoever the hell that was. We had spoken on the phone. Two passports, ten grand, and a private plane trip to the northwest. From there, I could slip into Canada and hide away while I disassociated Neale from myself. Jack could do whatever he wanted after that. As I drove back to the motel, I thought about just taking off. I thought about staying with Marco and Alejandro until the meeting that night, grabbing the money, and running. Jack would demand half of it, if not more. But I wasn't Neale. Michael and Chris were more loyal than that. So, I parked around back, and made my way to the room. As I approached the motel room, my phone started buzzing. I opened it to see texts flooding in, one after the other. Gambles on DeathNote were being placed left and right. What the hell? There were five already and growing. When I stepped around the corner, I looked up from my phone, and my whole body tensed. There, huddled near the door to our motel, were the two DeathNote goons. Looked like I had just managed to turn the corner right as they were going to break the door down. The one facing me looked up in surprise and pointed. The other one swung his head around to look at me. They were both wearing something on their heads… flashlights on headbands? “You’ve got to be kidding”, I growled as they stood up and pursued me. I was already back around the corner by the time they’d stood. My phone’s buzzing picked up intensity as I stuck it back into my pocket. I bolted for the car, thankful that I was leading them away from Jack and keeping him safe. A silenced shot whizzed past my arm, and I moved to the side, my throat clenching up. I couldn’t even swear, I just moved back and forth, praying they were bad shots. I heard three more silenced shots, but didn’t see where they went. I was coming up on the corner of a building, so I threw myself around it to put something between us. The car was still far enough away that they could catch up and fire more shots. Suddenly, I heard gunshots from behind. I ducked behind a car and wondered what the hell I was going to do. My phone continued to buzz, and I got very, very irritated. Then, I realized that some of the gunshots weren’t silenced. There was an exchange of fire happening around the corner between muted, silenced shots and the raw power of a Beretta. Jack was here. I made for the car, pulling the keys out of my pocket while I ran. Gunfire was still filling the air when I jumped into the car. A few people were peering out of the gas station next door, wondering what was going on. I saw two of them on the phone, probably calling the police. Great. My phone was distracting me, so I pulled it out and tossed it onto the floor of the car. It kept buzzing, but at least now it wasn’t against my thigh. I slammed the car into reverse and sped out of the parking space. For half a second, I wondered what the hell I was doing. But before I could question it, I put the car in drive and stomped on the gas. I lowered my seat so I could just barely see over the steering wheel. I flew around the corner, yanking the wheel hard to the left. I saw my chance and took it. The DeathNote goons were no match for the Honda Civic. The first guy bounced off my front bumper, flying forward into the air. The other guy, alerted by his buddy being bounced off, managed to roll onto the hood. Momentum had other plans, and he tumbled up the windshield, over the roof, and slipped off the trunk. As he rolled over the windshield, I caught sight of what was on his head. A fucking camera. He was filming this! I glanced at my still buzzing phone on the floor of the car. It must’ve been a live feed, and people were submitting gambles, each trying to be the one who got the closest to my time of death. Fuck. I came to a stop just in time to see the first guy land on another parked car, setting off the car alarm. The brakes had brought me too far from Jack, so I switched into reverse and hit the gas. I heard the guy behind me scream, and the car jolted when it hit him. Jack threw open the passenger door and slammed it shut. “Go!” He yelled. I peeled out of the parking lot and into the street.
“Those fuckers!” I yelled, punching the steering wheel. I needed some release: a way to get the adrenaline out. Jack looked down at my still buzzing phone. “They had live feed cameras on their heads,” I explained. “They were showing video to DeathNote, and people were placing bets on the exact second that I would die.” “Jesus…” Jack said in a tone I couldn’t quite understand. “I arranged a deal,” I said. “I can get us out of here. Private plane, money, and a way out of the country.” Jack did a double take. “How?” “My Employees set it up for me. I guess being Neale Keaton still has some perks.” “How do you know it isn’t a trap? A way to kill you and collect the reward?” “Because, according to my Employees, Shawn makes enough money to make that reward money seem like pocket change to him. Apparently I told them at one point that I’d seen his golden private jet.” Jack still looked skeptical. “I told him I was coming alone,” I continued. “But that doesn’t mean you can’t come along for backup.” Jack nodded while I told him my plan.
I rolled up to the private airport and slowly pulled into hangar 3, as Shawn had instructed. Jack, who was hiding in the back seat, jumped out of the car on my command. I was moving slow enough for him to slip out and get behind some crates, gun at the ready. He was my backup if things went south. If things went badly here, we’d be out of options. I was met with a guy in a suit who held out a hand for me to stop the car. I obeyed. He came to my door and pulled it open for me. “Welcome, Mr. Keaton,” he greeted cordially. Not what I was expecting. I stepped out of the car, and he held out a hand for the keys. That made me nervous. I wanted a getaway vehicle. “That’s okay,” I said, putting the keys in my pocket. To my surprise, he didn’t protest. We were inside a massive hangar that housed not one, but two private planes. One was a small, single prop airplane. The other was a private jet. It was black, not gold, but was still sleek and beautiful. The floors of the hangar were polished concrete that actually shone under the large, dome lights overhead. The walls were made from polished steel and segmented into storage containers. The hangar looked nice, but there were large crates scattered everywhere, as if a cargo plane had just been unloaded. The mess took away from the appeal if you asked m-- “Neale!” Someone called from across the concrete. I looked over to see a much older man walking my way. He was a walking contradiction. He looked like he was almost 90, but his walk was young and full of spring. I hoped I’d be that upbeat when I was that old. If I ever made it to that age. Instead of replying with a name, like an amateur, I smiled widely. “Thanks for seeing me,” I said happily. “Happy to see you in the flesh!” He called back as we neared each other. We met right in between the two planes. The man reached out a hand, and we shook vigorously. The man in the suit was still beside me, and the old man turned to him. “Tell everyone that the hangar is closed for the night, please Harold. And go home yourself. Take the night off.” The man smiled and actually bowed. The old man bowed back, and the man excused himself. “I’m guessing you’re Shawn,” I ventured when the man had left. I hoped that Jack could find a way to stay hidden while they closed down the hangar. “Indeed,” he laughed, giving me a wry smile. “It’s so good to see you, Neale. I’ve been looking forward to meeting you for a long time.” “Long overdue, I guess,” I smiled back, playing my part. “I wish it was under better circumstances. You’re aware of my situation?” “Oh yes,” he murmured. “Your identity has been revealed. You’re a marked man, Neale.” Something about that last sentence made me uneasy. Shawn must’ve sensed it, because he laughed to put me at ease. “You and I are a lot alike,” he said in typical old man rhetoric. Life story, here we come. “Bold, but cautious. Visionaries. Makers of our own fortune. When you were down after leaving the Army, you didn’t just accept your fate. You got up and took control of your future.” I nodded, my heart skipping a beat. Stay calm, Neale might have been in the Army too, that’s not uncommon. “You and I both use people to get what we want. We both started out by mistreating them, but, over time, we learned that the best way to get what you want from people is to give them something in return. We learned to treat our human relationships as symbiotic.” “I used people face to face. But you, my friend, you used people without them even knowing about it. I’m in awe of your methods. What a world of technology we live in,” Shawn sighed. My smile was fading. “Hello, Michael,” he smirked. “I’m Neale Keaton.”
A small pistol had materialized in his wrinkled hand, and light glinted off the metal in my peripheral. It was aimed steadily at my chest. “Do you know how long it took to track down all of your history? I mean, once I had your real name and found your credit cards, it was a lot easier to backtrack you from identity to identity. You kept great historical data. I guess you just got sloppy after a while.” “I’m not alone,” I whispered. “You’re not?” He said in surprise. “Jack!” I called into the empty hangar, my voice echoing. The real Neale Keaton didn’t even flinch. There was no reply. “Sounds to me like you’re alone,” Keaton chuckled. “Actually,” Jack said from behind him. “He brought me.” Keaton didn’t even turn around. Jack’s gun was trained on Keaton’s back, but Keaton just smiled. “Glad you could make it,” he said. “Me too. Almost thought that Michael was going to come without me,” Jack smirked before lowering his gun. I stared at him in disbelief. “You… and… him?” I stuttered. Keaton waited while I put it together. I didn’t vocalize my understanding. “Why?” I asked. Keaton’s eyebrow raised. “Why take such a roundabout way to get money? Why didn’t you just have Jack shoot me in the back, take your money, and leave?” Keaton burst out laughing. Jack’s smile was condescending, as if I had asked why 2 plus 2 did not equal five. “It’s not about the money,” he laughed. “If you don’t get it yet, there’s no point in me explaining it to you.” He turned to Jack. “Is he armed?” “No,” Jack said, still clutching his Beretta but aiming it at the floor. Neale nodded. “You want me to take your place,” I said, the pieces suddenly clicking. Once one block fell, the rest of the puzzle clicked. And ho-ly shit, was it clever. “Oooooh my Gooood,” I laughed, unable to resist smiling. “You don’t want to be Neale Keaton anymore!” Keaton smiled reassuringly. “You’ve made too many enemies! But you were smart enough to do business without letting anyone ever see who you were. You hired other people to do your deals, even though it pissed off the people you made deals with. “Every time your hired guns double crossed someone, even if they were rogue and stealing from you, you were the one who got blamed. There’s only so many bad deals that can happen before no one will deal with you anymore.” “I guess he can think,” Keaton glanced at Jack. “But you couldn’t have just thought of this after I’d stolen your identity… you had to have…” I trailed off, thinking. “My identity was bait. You were the one unlucky fish who bit the hook. I let you be me before releasing the hounds,” Keaton prompted. “You hired the DeathNote guys? You put money on your own head and just hoped they wouldn’t shoot the real Neale Keaton?” “Of course they didn’t know who I was,” Keaton snapped. “You gave them my address,” I kept going. “And the other two guys you hired were, what, a scare tactic? Why tell them they were working for Neale?” “They were my employees long before you came along. I had to dump them just like I dumped my identity. Once you die, they’ll find a new employer.” “And once you had decided that I would be your strawman to take a bullet for you, you told them about Shawn Lockhard,” I finished. Keaton nodded, looking impressed. “I’ll make you a deal, Michael, since that’s why you’re here. I’ll let you live. Jack here won’t be the one to kill you. You’re smart. You get to keep Neale Keaton’s identity and I’ll let the world finish you off. You may last a while, but not that long.” “How very generous,” I said sarcastically. “Sarcasm won’t help me like you any more.” Keaton tutted. “But why Jack? What’s he got to do with this?” “I was your bodyguard, of sorts,” he spoke up. “My job was to keep you alive long enough for the word to spread that Neale Keaton had to die. Plus, I supplied all of your identities to Neale here.” That also explained how he knew about DeathNote. Keaton had told him about the plan. I remembered the gunfight we had just left with the DeathNote guys. Neither of them had been behind any cover, yet no one had been shot. The firefight had been staged. How many more details had I missed? “If you try to use any of the identities that you and Jack burned,” Keaton said, “I’ll add it to the Wanted poster. You are to use my identity and mine only. You will become me. I even emailed you some notes about the people you may meet.” “Once again, how generous.” “See, I can be nice,” Keaton said. “Unfortunately, I have a duty to a client who I promised a tip-off on the infamous Neale Keaton.” Keaton nodded to Jack, and Jack aimed the Beretta once more. I put my hands up instinctively. “We’re going to take a little trip, leave you tied up somewhere, and let my client know your whereabouts.” “Not much of a chance against the world,” I replied. Keaton shrugged. “I’m sure you’ll think of some way out. If you don’t, then you’re not worthy of my name after all.” Jack advanced toward me. “Turn around,” he said. I slowly complied. Suddenly, the sound of a small, metallic ting resounded throughout the hangar. Like a magnet to metal. A huge, fiery explosion suddenly went off at the head of the private jet. The heat raced across my skin, and it felt like I was next to a bonfire. Luckily, we were further back towards the tail, or else we might’ve been hit. “WHAT THE FUCK WAS THAT!” Keaton shrieked. “There!” Someone yelled from the large hangar entrance, which had been left open. Gunfire filled the hangar. Jack dropped his attention from me and moved to stand in front of Keaton. He raised his Beretta and took several calculated shots and the men who were firing blindly inside. I dropped and rolled under the single prop plane, putting something between Jack and I before he decided to take a shot at me instead. The gunfire increased as more men showed up at the entrance. “NOWHERE TO HIDE, NEALE!” Someone screamed. “FUCK YOU, OLIVER!” Keaton yelled back, returning fire with his own small pistol. “Jack, move back. The crates have ammo.” Keaton said over the gunfire. I was barely able to hear him. Perfect, I thought. I moved quietly along the airplane, keeping its body between me and the multiple shooters. When I hit the back of the plane, I peered around. Jack and Keaton were still exchanging bullets with the intruders, slowly stepping towards the crates in the back. I moved just out of their peripheral vision, following my training. I stayed low and made sure the plane kept me out of sight. When I reached the scattered crates, I lifted one quickly to find it full of nothing but straw. Taking a chance, I dug my hand down and touched metal, thank God. I pulled out an actual AK with the a clip taped to the side with packaging tape. Biting off the tape, I felt around for ammo and managed to snag a handful of loose bullets. I ducked behind the crate and slid bullets one by one into the clip. Eight bullets. Eight shots. More than enough to kill Keaton and Jack, but not enough to get out of here. They’d kill everyone here just to make sure they got the real Keaton. I heard gunfire getting closer, so I knew that Jack and Keaton were getting closer. They had to be running out of bullets by now. I glanced up and saw that they were using the plane as cover like I had and were still making their way back. Raising the AK, I aimed for Jack’s back, lining the sights up perfectly. My finger slowly squeezed the trigger until I heard a click. It jammed. “SHIT,” I hissed involuntarily. That made Jack turn around. I hit the floor as three bullets zipped overhead, denting the steel wall behind me. Desperately, I tore at the bullet feed, trying to kick out the jammed bullet. I heard Jack’s gun click loudly, and took my chances. I jumped up, still fiddling with the AK, and ran towards Jack. He ran towards me too, ready to fist-fight it out. I lowered the AK to one hand and raised the other like I was going to punch. The distraction worked, and I shoved the AK forward, barrel first. It hit him hard in the gut, and he doubled over. With two hands, I used the AK to slam the butt down on the back of his head. He collapsed instantly. I’d hit the back of his neck perfectly. Gasping for air and trying to keep the adrenaline for just a little longer, I tried one more attempt to unjam my rifle. But it was hopeless, and I could get shot at any second. Keaton turned back, probably just realizing that Jack was gone, and saw me standing over Jack’s unconscious body. I dropped the gun, intending to run back to the crates and find another. But the jammed bullet jumped out when the gun hit the ground. Both Keaton and I saw the bullet bounce off the ground. As if in slow motion, I bent to pick up the gun while he spun his pistol on me. I wasn’t fast enough. A bullet caught him in the calf from behind, and he screamed. It forced him down onto one knee in a small spray of blood. His gun went off, but wasn’t aimed anywhere specific. He crawled further under the plane to shield himself, which gave me time to act. I pulled out my phone, which was pissing me off. IIt had been vibrating non-stop ever since I arrived at the hangar. Even though it pissed me off, it was good. It meant that Marco and Alejandro had done their jobs. I raised the AK in one hand, and my phone in the other. One button started the video recording. I let out all six remaining bullets, only two of which actually hit Keaton’s chest. He screamed again, dropped his gun, and fell down face-first. Satisfied, I hit “Stop” on my phone and slipped it into my pocket again. Both were down. I was the only one left. And the gunfire from the door wasn’t slowing down. The squeal of tires made me perk up my ears, and I smiled in disbelief as two SUV’s sped into the hangar, each manned by Marco and Alejandro. Alejandro used his to defend Marco’s car, which sped between the two planes and skid to a stop in front of Keaton. I raced forward with the AK and jumped into the backseat. I dropped to the floor while Marco hit the gas and turned around. Alejandro had already gone in front and his SUV was taking all the fire. The car rocked as we tore out of the hangar and bullets ravaged the back of the car. I tore the battery out of my phone to stop it from vibrating anymore. “Their cars are parked far away, we should be safe soon,” Marco said with his usual accent. “Thanks, Marco,” I rasped, sitting up. “You’re welcome, Mr. Keaton.”
I knew there was a 50/50 chance that this meeting was setup. In the worst case, I’d be riding a private jet out with guns blazing. In the best case… well, what happened was the best case. At my request, Alejandro and Marco had gone onto DeathNote and spread rumors that I was getting alerts from DeathNote whenever a new hit was added. I changed my code to paste my phone’s location on DeathNote every time it received a text about a new hit. You darkweb dweebs caught on immediately and started spamming the hit list to get my location and track me down. The more hits that were added, the more value Neale Keaton’s death had. And with that beautiful video, I was able to prove to the DeathNote owners that I had indeed killed Neale Keaton. How did they know that old guy was the real Neale? I’d been recording on my phone ever since I got to the hangar. The audio corroborated everything. With proof in hand, the runners of DeathNote paid out my grand total of $56,000 in Bitcoin. I didn’t get the $150,000 unfortunately since it was Keaton himself who had placed that reward. See, I knew something was fishy with Jack after I looked at his phone the morning after I told him I was an identity thief. He was asleep when I went through his phone to try and find a way to ditch him somehow. I wasn’t sure what I was looking for. But his calls list showed a call to the same number multiple times over the last couple of days. All of the calls had been made while I wasn’t with him. Sure, it could have been anyone, but it made me suspicious. When I met with Marco and Alejandro, I kept up the ruse of being Neale. They only knew what I told them, and I asked them to bring two cars to my phone’s location when they heard shooting. My phone had brought you lovely darkweb fuckers right to where I was going to die. You inadvertantly saved my life. Like I said from the start, you were being manipulated. By both Neale and myself. Thanks ;) Someone made a post a few days ago out of video from the people who came to kill Keaton at the hangar. The video showed Jack and Keaton, who was a 90 year-old guy, but not my face. All the rest of you saw that Keaton’s reward had been claimed, and cried fraud. But it wasn’t fraud. I just beat you all to it. This post is here to salvage Chris’s reputation. Michael is a piece of shit. Neale is a piece of shit too. But Chris is the one identity I actually wanted. I wish I could have that identity and that life back. But it’s too late now. You have forced my hand, and until this site accepts that I got the bounty fair and square, I can’t be Chris the store manager. I’m an identity thief, my darkweb dwellers. I become who I need to be to get what I want. The sooner you accept that I am NOT Neale Keaton, the sooner Neale Keaton will die. Until then, Keaton’s email is really helping me assume his role. Once you all accept it, I’ll dump his shit, delete everything, and go back to being Chris the store manager. Until that changes, I am Neale Keaton.
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