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The Ultimate Parlay: DraftKings ($DKNG)
Here on a Sunday night to give you autists some time to cross-check my info, start your RH instant deposit, and let your wife's bf know you're coming back with a vengeance. Here's an in-depth analysis on DraftKings and how to maximize profits over the foreseeable future to squeeze this for every tendie we can. Now that many states face revenue shortfalls due to the coronavirus pandemic and wider budget deficits, there needs to be a push to fill that gap and nothing is better positioned than sports betting. As you all know, $DKNG came to market through a SPAC merging with Diamond Eagle back in April, at the worst of the pandemic when live sports were dead and there was more uncertainty than ever for what was to come. Jason Robins, Draft Kings CEO, has balls of steel and knew that they needed to get to market quickly for a sports betting run-up the likes of which we've never seen. Sports are now on their way back, with a huge amount of positive catalysts coming up in the next few months to skyrocket this stock to the moon and beyond.
I want to clarify that a large amount of my conviction from this play comes from the incredible management team leading the company. CEO Jason Robins is a stand-up guy and has led the company through a huge amount of scrutiny since its founding in 2012. He comes from a data analytics background which could not be a better fit for the sports betting business. He prioritizes the high speed data that fuels the DraftKings platform as its most valuable asset and speaks often on the commitment his team has to ethical values and encouraging a trustworthy environment for its users to gamble their paychecks on the DraftKings platform. I've linked a great interview to get to know the CEO and give further insight into DraftKing's plans moving forward below and highly recommend anyone going in on this play give it a quick watch. Jason is optimistic about the future of state's legalizing mobile sports betting moving forward and says they will continue to invest boatloads of money into customer acquisition costs through TV ads and billboards on a state-by-state basis. Link: https://youtu.be/2OVFB9piEC0 Any of you who have come across DraftKings commercials, YouTube ads, billboards, know that their marketing is on point. This is a great play because DraftKing's expansion has occurred thus far on a state-by-state basis. This means that there's a large part of the nation (actually the majority) that is still ignorant to the sports betting wave that is coming in 2021. DraftKings is positioned extremely well to lead the way into the ~25 states still waiting to pass the bill.
The fact that the top 4 states in the country still have not legalized online sports betting presents a HUGE opportunity to ride this wave with little downside risk. Sports have already gone through the worst-case scenario during COVID shutdowns and survived—now we’ve got a great amount of positive catalysts coming up (NBA season, March madness, Super Bowl, etc.) that the general population is begging for some action on, paired with more money in their pocket from significantly less entertainment costs since the pandemic started. The Wuhan Virus gave DraftKings a shot in the arm to streamline its way into most (if not all) of the remaining state's ballots during Q1 and Q2 due to the huge cut in tax revenues that the lockdowns caused across the country. Governor Cuomo of New York released a statement last week stating he is now considering the passing of mobile sports betting in order to raise the state's tax revenue during a time where Congress completely skipped them over in terms of providing aid through the stimmy. New York is a huge catalyst moving forward. In my opinion, this is a make or break for how things look for DraftKings moving forward, and will largely influence how other states react. Mobile sports betting scares states as it is new and so accessible, but if you do research into the Powerball and other loterry companies, it just took a push in the right direction for states to realize how much money they are leaving on the table by not participating in these emerging markets. Sports betting has already benefited the 9 states which passed the bill (NJ leading the way) and has NY as well as every other governor, feeling major FOMO. Current states where online (mobile) sports betting laws have passed:
Legislation aside, the other huge catalyst is DraftKing's unique approach to owning its own data and proprietary tech stack. I believe that this will be where DKNG separates itself from the competition that is rushing to this space and will give it the upper hand in acquiring, and retaining, a large percentage of new users across opening states. From investor presentation:"Upon close of the business combination, DraftKings will become the only vertically-integrated pure-play sports betting and online gaming company based in the United States. Through the business combination, DraftKings expects to realize synergies by transitioning its risk and trading sports betting platform to SBTech’s, instead of relying on a third-party platform. In addition to reducing costs, DraftKings will control its backend system and product roadmap, differentiating the company from other U.S. operators and giving it the ability to tailor its sports betting product to U.S. sports and users." "SBTech is a global leader in omni-channel sports betting and gaming, with more than 1,200 employees in 10 offices worldwide. Since 2007, the group has developed the industry’s most powerful online sports betting and casino platform, serving licensees in more than 15 regulated territories. SBTech’s clients include many of the world’s premier betting and gaming operators, state lotteries, land-based casinos, horse racing companies, and iGaming start-ups. The group supplies highly flexible betting and gaming solutions to clients looking for exceptional configurability and the quickest route to market, complemented by proven business intelligence and reporting capabilities. The SBTech offering includes its seamless sportsbook, Chameleon360 iGaming platform, managed services, on-property sportsbook and omni-channel solutions that provide players with constant access to sports and casino products across all online, mobile and retail channels. Supported by unrivaled expertise in trading and risk management, acquisition and CRM, and the highest standards of regulatory compliance, SBTech’s partners consistently achieve rapid growth, enhanced brand loyalty and record revenues." DraftKings prioritized OWNING their own backend technology via this merger with SBTech, making them the first, and only company in this space to own their risk and trading platform. This gives DraftKings a huge edge to the rest of the market. It forked up the cash to keep everything in house not only to provide a better customer experience, but also to widen the moat against competitors as new states come onboard. The key here is to clarify that DraftKings and SBTech combined to be the only player in the market with 100% vertical integration and control of their own backend. Jason Robins and the rest of the management team are placing their efforts on having the best technology and the best product and really going all in on owning the U.S. landscape opening up, with as little need for cross-platform interaction as possible. This acquisition of SBTech was a complete game changer because it allowed them to be independent from paying revenue share to a third-party for betting lines and risk management services. Clarification: no other sports betting/fantasy sports/casino company currently has 100% vertical integration on the level that DraftKings has established.
This is where the market is missing the mark. Take the time to read over analyst reports, news articles, and interviews and you'll quickly notice 99% of the general market is completely glazing over DraftKing's iGaming sector. This industry has been a CA$H COW in Europe for awhile now, and is only getting started in the United States. Out of the companies that occupy this space, DraftKings is the only one to create one synergistic platform for Fantasy sports/Sportsbook/iGaming. This will be a huge value proposition that will ultimately rocket DraftKings to the top of the gaming market and solidify it as THE gaming powerhouse moving forward. The infrastructure driving DraftKing's products and Tech (all in one platform) Anyone that's watched the run of Skillz and the hype pushing PaySafe, knows how much anticipation there is for iGaming to become the new norm in the world of gambling. DraftKings has emerged as the market leader in each state they've launched in, and continue to gain more and more market share. Once new users get introduced to their platform, the cross-selling opportunity is limitless and creates an extremely sticky customer acquisition cycle. Competitors like Penn and MGM are dinosaurs in this space and have been playing catch-up to DraftKings since 2012. The new age of gamblers don't want to drive to a physical casino location or buy a home desktop to gamble. Everything will be mobile and run in real-time. DraftKings has been building an incredible live-sports ecosystem (first to market) and innovates the possibilities of what you can bet on a daily basis. Just download the app for yourself and do some exploring. I believe this is going to boom in the TikTok/millennial crowd as more states start to hop onboard.
Pulled from the investor presentation, $DKNG has smashed every one of their 2020 assumptions listed below. For any stats guys out there, I would love to see some models at how much of this market is still up for grabs. DraftKings has positioned themselves to be at the head of this movement, and I believe that 2021 will be the year we really see them take off into triple digits share prices. The catalysts are there, and the market is ripe for the taking. Their projections are extremely conservative and management lets the numbers do the talking. In my opinion, this is a bet on the management putting the dots together to EXECUTE as state legislation starts to go their way, once NY happens this shift will occur rapidly. https://www.sec.gov/Archives/edgadata/1772757/000110465920032214/tm2012476d1_425.htm The management is incredible and truly displays a vision for wanting to prop up shareholder value in the long-term through valuable data, a fully integrated platform, and aggressive customer acquisition to take control of this market as states realize the economic deficits which they are facing going into a new year. This along with the unprecedented hype that is going to be involved with sports events this year, will skyrocket DraftKings to new heights. This is not a bet on sports betting alone, it is a play on a data-heavy and analytically driven behemoth, with strategic partnerships (league, team, and celebrity partnerships) and one of the most aggressive marketing strategies I have ever laid eyes on. The stock soared earlier this years upon news of the Michael Jordan partnership (https://www.cnn.com/2020/09/02/investing/draftkings-michael-jordan-deal/index.html) and there is many, many more big moves in the pipeline.
Long-term I am extremely bullish on people wanting risk to make up a daily part of their lives. The psychology of sports betting resembles that of the lottery and is becoming a must-have for people to have the choice to place bets from the convenience of their mobile phones. We are moving into a future where if risk and leverage are not involved, people will have little interest in dedicating their time to things. This shift can be seen with the boom in retail options trading (shoutout wsb gang) and will have a similar effect in sports, iGaming, and random prop bets/surveys that Draft Kings is innovating heavily in. This is not to mention the infrastructure that DKNG is continuing to build out to rival that of Europe in terms of live sports betting (which makes up three quarters of revenue for online sports books in the UK) and expanding their horizons to lesser betted on sports such as tennis, golf, soccer, etc. If you've gotten this far, congrats you're just a few steps away from striking gold. Any feedback, comments, rebuttals, bear scenarios, etc. please comment. Good luck.
DraftKings has state legislation action coming, incredible management, is data-driven, is vertically integrated/owns its tech stack, has exposure to the full range of new world gaming (Fantasy/Sportsbook/iGaming), and is ahead of its competition forming league, team, and celebrity partnerships. $70c 1/21/22 $90c 1/20/23
My 1 Year Anniversary of Full Time Day Trading. 3 Years In The Business. What I Wish I Could Tell Myself Years Ago.
This industry has a lack of transparency so I'm more than happy to say I will provide lots of that throughout this post with screenshots. There are LOTS of imgur links to back what I say so it's not just words on a post expecting you to just believe what I'm typing. This post I suppose is "Part 2" my post back in April, "After 2 years of Daytrading. 7 months full time. Here's my advice". I'm doing this to update everyone who came/comes across this in the future. Yes, it is possible. No, it won't be easy. You will pay homage to the rite of passage into this career. I'll also provide some examples of styles of trading so for the newer aspiring traders, there will be some things I rarely see discussed on forums. So here's to 1 year of Full Time Day Trading TL;DR - You'll become desensitized to trading. Stubborn to other strategies (There are biggebaddemore lucrative strategies. Don't chase them. Why fix what's not broken? I know what works for me and I'm content with it. No strategy is better than another. It's a personal choice. ). Losing individual trades won't faze you, they're inevitable. Profiting certainly feels better. After a while, you won't be as enthralled to trade every morning, it'll become just another part of your day). Trading is just managing your money through a statistic and the medium to execute it is trading on your platform. Think: "If. Then. Because". Your trading plan should be that black and white. Ask "Why" for everything you do and use. If you can't answer it with documented results, drop it. I get a bunch of messages all the time from people asking - . Out of those who follow me and chat me seeking further tips through my previous posts. I'll be answering the FAQ's and addressing things I see frequently in this sub as far as trading axioms Disclaimer: I won't sugarcoat anything. I'll share my experiences and add pieces of advice I'd give to those who are currently experiencing the same thing becoming a full time day trader and what day to day life is like, the occasional distress, (DRAWDOWNS). Some of you follow my Twitter for the past few months where I post my daily watchlists with a snippet that reveals my DayTradingBuyingPower. I do this not to brag but to demonstrate that the account does yield growth, I pay myself, and there are days where the balance does not move because there was no edge. I also do this since nobody else shows their account performance. (Yes. You, Mr. YouTube gurus and wannabe gurus). We do this for income, the numbers on our accounts are real. Treat it as such. Get your initial capital out of your account THEN try to "Scale your account" with your profits AKA The Market's Money. I'll go over: •FAQ's that I get in my inbox (I'm still welcome to further questions if I don't answer here) •Decision Fatigue (You will experience this) •The previous year (2019-2020) of ups and downs •How to use my watchlists that I post on Twitter in the morning to your advantage •The pivotal moment that changed my trading career (NFLX 10-17-19) •The road to becoming a full time trader. (It won't be fun unless you're handed the money) •You'll have a better grasp of my strategy (Between ProTip 4 and 5. ProTip 8.) There are 10 "ProTips" throughout the post that I wish I could tell myself years back and I'll periodically throw them in here as the post goes on. I make posts long in order to segregate those serious about this business and those who will just become another statistic in the failure rate of this business. At the end of this post, I'll go over the frequent questions I receive such as: (Answers to FAQ at bottom of post.)
"How do you prepare for a trading day?"
"What would you go back to tell yourself?"
"Books?" (The most abused question, but I get it. I could start a public library with just trading books I bought over the years)
"What is your background?"
"What is a normal day for you?"
"How did you discover your strategy?"
"What did you do/How did you get started?"
"What is your % return?" (Not a fun question since a trading account is not an index or investment account. Intraday traders do not measure performance in %. Most are measured in "R".)
"Is enough to start trading?"
"Why do you need so many monitors"? (This one is rarely asked but I do see it discussed on platforms and people trading on mobile phones love giving flack to anybody who trades on multiple monitors. Hint: Everyone's different. Whatever works for the individual. There are no rules in trading. The only rule is that it works.)
Background: I heard about daytrading during the 2008 crash while in high school. We all want to make more while working less. I entertained day trading from time to time but always realized I never had enough money. Horrible mindset because I could have still researched WHILE saving money to put into my trading business. 2015 -I opened my first trading account with Scottrade while in the Marines. Apparently if you have a net worth of over $1,000,000 you can get out early (Biggest rumor ever). I frivolously bought crap penny stocks. In short - I was a hair away from gambling. What made it NOT gambling was the fact that at least I owned something tangible (Securities of a company) and anything can happen. Buy low sell high was my strategy. Didn't work obviously. No idea what I was doing. I'd buy and hold hoping to wake up to the stock price being way higher and it never happened. •ProTip #1 : If you hold a trade overnight... It is not daytrading. Stop turning into an investor because you can't admit a minor defeat. 2017 - I started taking this business seriously while working in the oilfield as a Logistics Planner (If you're wondering what company since I am asked this from time to time, Google: "World's largest oilfield services company"). No kids, girlfriend/wife or financial obligations. I worked 10AM - 7PM CST and would trade the open from home for roughly 1 hour. Later I was offered to be a Data Analyst... Only downside was... I couldn't trade since I had to be at work now at 8AM CST during the market open. In the moment of signing the offer letter, I was bummed thinking, "No more trading," That wasn't the case though. You can still build your trading business with a 9-5 and while never making one trade. The data is there. •ProTip #2 :We all see the same data. It's there forever. Many strategies show their edge both live and in hindsight the same. (Especially if you trade patterns). You CAN build your business as a trader without even taking a trade. You CAN build your strategy while working a 9-5. Just because you're not trading, does not mean you can't build your business through research. You won't know how you'll react to the losses but at least you can diagnose the raw data with a large enough sample size for assurance and confidence. If you have a 9-5 and want to go fulltime into this business. Stay for a bit, save, live so far beneath your means that it is almost miserable, (depending on your expenses, area you live, family etc) and get a few hundred sample sizes of your strategy! And for your PTO/days off... trade the open. I sacrificed my vacation days to trade. After 2 years in corporate America, eating cheap food, never going out, saving relentlessly, I made the decision to just do it and resigned. I went straight into the ring of fire known as trading. That was on: September 23rd, 2019 ""(Sound familiar?) When you hear these types of comments.. your response should be: "Nobody put the time I put into this. The 90%+ who fail, don't have it all written out, computerized backtests, manual backtests, statistics, SOP manuals, JUST like the job I have which is a business, I'm just another cog in their wheel. I'll just be wearing all the hats in my trading business. Instead of Oil&Gas, it's just for trading". One thing I see here a lot is people saying to trade X amount of months/years or make X. •ProTip #3 -Think in man hours, not calendar. Example: Trader A puts in 1 hour of study/work/research everyday for 1 year. (365 Hours) Trader B puts in 12 hours of work every day for 4 months. (~1,450 Hours) Trader A lives in a major city while Trader B lives in the middle of nowhere. (Think cost of living) 2 totally different living expenses and 2 different calibers of dedication. I'd put my money on Trader B because he put in more man hours. (~1,000 more hours on the clock to be more exact). ProTip #4 - Have a cushion in your account AND your personal bank account. Having a strategy is great but you won't know entirely if you can fulfill and execute your plan until you experience the ups and downs both short and long term. A strategy is constant over long periods of time... there will be days, weeks, and perhaps a month here and there where you aren't making much money. We hear all the time, "Trade like a casino". Casinos don't make money day after day but the odds are in there favor over the long haul. Month 1 of full time trading was great: Immediately after going full time, the first month (September 2019 to October 2019), I did super well. Business as usual. No stress. Everything going as planned. No turbulence. At least not like I had ever experienced... The 2 prerequisites I had before resigning was:
Show consistency in returns. Consistent Sharpe Ratio.
Make a 4 figure trade (I achieved this while short 100 shares on ROKU September 20th, 2019 and even made a victory post if you scroll down my profile's posts.)
First life-changing trading lesson learned as a full time trader: That money printing spree ended on NFLX October 17th, 2019. Less than 1 month of being a full time trader. Deviating and going against my plan I actually made $500 in a matter of 4 minutes. If you follow my watchlists on Twitter, I always trade with the direction of the gap. If I notate, "Long Watches" that means I will only trade it IF (and only IF) I see a long biased pattern. Likewise I will only be looking to short my "Short Watches". Plenty of times I'll call out a ticker and it immediately goes the other way. No harm no foul because there was no long biased pattern to confirm my thesis. On 10-17-2019, I went against my plan and it worked.. NFLX gapped up to resistance and I went short when it tanked off of a short pattern.(This is known as fading). The market gave me a free lunch and then some. So now I'm walking on air in my mind: "I'm an absolute unit" "I'll do it again and clear another $500 to make it a 4 figure day before 9:30AM Central" "Should have quit my job way earlier being this good." Within 30 minutes of the open. I gave all $500 back. Yes I wanted to trade it back. Never have I had the desire to smash anything but I do understand those who do! Yes I stood there and felt like each passing second was wasted opportunity. The next 24 hours were long! ProTip #5:It's circumstances like that that help you in the long run. FunFact: I never once deviated from my plan since. Not ever again. "I could have paid for my groceries and electric for the month after 4 minutes of trading if I just took the free pass the market gave me" I felt dumb but in hindsight, I'm glad at what happened. It was this exact instance that married me to my strategy/business plan. The next day and the 7 trading days following. I didn't make 1 profiting trade. My longest ever drawdown - 11 straight trades. While researching I found out this was Decision Fatigue (I'll go over this shortly below) Put yourself in that situation... You have bills and your income is strictly trading. I don't care how much a robot you think you are or how strongly you believe in probabilities, when you were in an office less than a month ago making almost 6 figures sitting in an air conditioned office knowing direct deposit is on its way every other Friday no matter how well or poorly you performed at work.. Now you're in the hot seat. Its a bottomless feeling. Now all of your friends and families words are ringing in your head. But just like a boxing match.. you gotta take a hit to get a hit. Win some, lose some, shake hands and get back to normal life. Water under the bridge. Mind you: •No guaranteed direct deposit every 2 weeks. •No more medical/dental insurance. •401K retirement is no longer being matched. 11 trades is nothing. You only require ~5.5 trades at 2:1RRR to make it back OR 3.5 trades at 3:1RRR. It's nothing especially in your research because you can easily just scroll a little more and see, "Oh that's just a drawdown. No big deal". How will you react in real time? Will you buckle or choke? But the thing is, I was skipping trades out of fear and JUST so happened to be picking all of the unsuccessful ones. (Decision Fatigue) Think about those 2 weeks of being in a drawdown. Half of the month. You're not just stagnant, your account is bleeding slowly but surely. Next time you're looking at your spreadsheet/backtest/predictive model/research.. try to put yourself in those days of drawdown. It's not just 11 boxes of red with "-1R" or "Loss" in them. The screenshot above on Imgur is just a recent example. Think about your daily routine, going to the gym, hanging with friends, grocery shopping, cooking, going to bed, waking up, doing a routine, then losing again.. and again.. and again. Try to think of life during those 300+ hours (Weekends too) of, "I haven't made money. I've lost money. And I still have bills. After paying them, I'll be closer to my set Risk of Ruin". Here's a lesson you won't learn before going fulltime but I'll do my best to emphasize it here: Pick a strategy. And stick with it. It can literally be anything. Don't spread yourself thin watching 20+ tickers and be a jack of all patterns/tickers. Be a master of 1 pattern and master of 1 circumstance. There's this real thing called "Decision Fatigue" which explains exactly why what happened.. happened. The article explains that the 2 outcomes of this mental strain known as "Decision Fatigue" is:
Sound familiar? Does it kind of make sense now? As a new trader you have YouTube, Facebook, StockTwits, Twitter, "gurus", books recommended on Amazon, all throwing their ideas/strategies around, the market has opportunities littered all over.. Decision Fatigue is inevitable for the unprepared. Decision Fatigue happens in every profession. If you mess up at your 9-5, its just a blunder, your paycheck will remain the same. Just a slap on the wrist and move on. With trading, you make a mistake.. it's less food on your table, lights don't stay on, and/or water isn't running. That pressure adds up. No wonder so many fail... The signs of Decision Fatigue: •Procrastination. •Impulsivity. •Avoidance. •Indecision. When you find what clicks with you AND its either statistically or performance proven, have the courage to risk a healthy sum of your capital into it. There are strategies/patterns/styles of trading littered all over the internet: Very broad example: "IFcircumstance happensTHEN"Execution". Stoploss is XYZ. Target is XYZ.BECAUSEover a series of Y trades, I will make $X,XXX.xx". ProTip #6 :Strategies are all over the internet. It's your account/money, backtest it. People share their strategies here all the time and although I don't agree with them because I know what works for me, it's something to chew off of for you newer traders. YouTube is a harbor with people who give just enough info to figure their style out.You will lose trades. Sit for some screen-time and pay homage to the edge that you discover. All in due time. Insert key metrics and find correlations. This is how you create checks and balances to create/formulate a black and white trading plan. When I first started doing this, my spreadsheet(s) had so many columns it was annoying and would kill my desire to continue working. You'll find things that are imperative and some that are unimportant. For a lack of more colorful terms: "Throw stuff at the wall and see what sticks"Trim the fat. Rinse and repeat.
Here's some things I used to remind myself of and perhaps it'll ring some bells for you:
•Surrender your capital to your edge. If you truly accept the risk and trust your proven edge, losses don't feel like anything nor do profits. Although we're not here to put on losing trades and yes it does feel nice to profit. I still from time to time will excited when I hit target after a series of multiple profiting trades depending on my mood. •If you're nervous or your heart starts beating quicker when you hear the sound effect of a trade getting entered/filled. Be honest with yourself and ask yourself if you're truly accepting the risk. •Things you can't take to the bank:
Number of trades.
"This one great trade that I hit target in less than 30 seconds and I got filled better than expected"
All of these are integral metrics. But you're trading to make money. It's up or down, green or red, profit or loss, TRUE or FALSE. So with that said, find what works flawlessly and is easy to follow. Checks and Balances. Then allocate a good sum of risk into it. I read it here all the time, "Don't risk too much" and that's great and true for new traders. But don't sell yourself short. Push yourself over the edge and admit that you know your stuff. Think of Trader A and Trader B. If you've put the time in.. don't sell yourself short. You've built enough courage to learn a business so many fail at. This business has such a negative connotation. But remember that not everybody can handle meritocracies and that's exactly what the market is. Don't try to be the best, just work harder than everyone else and the output of your input will be relative. ProTip #7:YouTube trading ads from gurus... they're subconsciously making you think you're a novice trader.It's in their marketing. They study marketing psychology. The EASIEST things to sell:
People that are desperate for those things are the most vulnerable and these "Traders" marketers are fantastic at portraying all 3 of those things at once. •ProTip #8 (Broken record alert) :Write a business plan. Your strategy shouldn't take longer than 4 sentences to explain to another trader. When you have a plan that's proven through a statistic and WAIT for it to happen, you feel100Xbetter taking the trade. You don't even care too much when it results in a loss. Because that was your plan, you accept it much better, and you know it was just an expense for a winning trade. Want my strategy? "I scan for stocks with a market cap of over 250M, 10k shares premarket, gapping to support or resistance, priced over $10, and I look for a pattern biased to the direction of the overnight gap. It isn't rocket science. Check my Twitter, look at the dates I posted, and you'll notice the gist. Yes this is an edge but not the entire edge. How fast can you sift through 15 time frames? How long does it take you to fill out your order ticket? Your Fibonacci time extensions with 5 EMA's and Bollinger Bands aren't helping you. They're lagging. If they work for you, great. In my experience, they hindered my visibility. Pro Tip #9: Yes statistics are highly applicable to trading. Patternsdowork. All patterns do is tell you WHEN to enteexit, and how many shares. Humans will never think differently of money. Be the frontrunner of the market's emotions. Nobody remembers the indecisive leader. Risk taking is a commonality amongst leaders. Trading requires courage and it's O.K. to show a bit of confidence as long as you also have the humility to admit when you're in a bad trade.(Notice how I didn't put, "wrong". You're only "wrong" when you deviate from a proven strategy.) ProTip #10:Risk management is 24/7. I've never heard anyone mention this but think about it a little bit. Having financial obligations can become stressful regardless of how you earn your income but its far more stressful while running a business. Not just any business, but a business where you can go to work on your A-game, do every single last thing right, trade without emotion etc... and still walk away with less money than what you came to work with. Meanwhile somebody who JUST started trading made a 4 figure profit not knowing what the heck the difference betweenETB, HTB, or NTB. Think of it like this, a JV high school baseball player can hit a homerun off of an MLB pitcher once.. but how will he fare at the end of the season? Traders don't predict stock prices, traders predict the outcome over hundreds of trades. People chat me asking what TO do rather than what NOT to do. You don't learn labor intensive jobs or how to fly a plane by what to do.. you learn what NOT to do to stay alive. That's all I have. Once you have a trading plan underway and you're executing it, you don't have much time when your hobbies are cheap but I still do respond to chats/messages. I do get asked from a previous post when I'll build a website and to answer that: I'm learning how to build a site on rainy days. Can't put a definitive date on it. I will say that its coming, if you don't give up on this business in the next year or so, you'll see it. What I plan on putting on there:
Position size Calculators
Dictionary with examples
I just don't want some generic WordPress site. I want my website to be stellar and a great resource for aspiring traders. Something I didn't have learning this business. I want it to be something I'd consider a staple in a trader's resources. Perhaps one day it will be referenced on this sub frequently. FAQ:
"How do you prepare for a trading day?" I get behind the computer about 20 minutes before the bell. Reason being: "If you study long. You'll study wrong". If the chart isn't grabbing my attention and gets me excited, then I flick to the next ticker. I don't even know the companies I trade half the time nor do I care about a news report some journalist wrote. Also there is no magic news outlet that lets you know about "Major events that affect stock prices". If there was, I wouldn't be here because we're all subscribed to the same edge nor would I be trading my style.
"What would you go back to tell yourself?" Get more data. Save a little more, your hairline and sleep schedule will thank you. Take only perfect trades and don't feel forced to trade. There will be days you don't touch an order ticket. And days where you are busy and have tunnel vision. Next thing you know its time to shut it down for the day.
"Books?" - I try to humble myself when answering this but off the cuff, they're all mediocre. Andrew Aziz's was ok, definitely get it, it's only a few bucks on Kindle. Just don't expect it to give you strategies BUT it will give you ideas. If you're brand new, it is good as it will teach you the common vernacular of a day trader. Mark Douglas was interesting but his YouTube seminar recordings are much better. No book, Facebook group, YouTube channel is going to be the end all be all perfect strategy. Expect losses. Don't be a one hitter quitter after suffering a few tiny losses/paper cuts. Stick to it. Most books will help you familiarize yourself with the common vocabulary amongst traders and will hint ideas. It's your job to formulate the strategy and template for research.
"What is your background?" I was a logistics planner for a major oilfield services company. Later I then became a data/buyer analyst so yes, data analytics/research was a 2nd language for me entering trading. I did have that upper hand and did shave off months if not years for me.
"What is a normal day for you?" I'm always done trading after 10:30AM Central. I will hold onto a trade until right before the bell if it hasn't hit either target or StopLoss by the time I leave the house but it is absolutely closed in entirety by 2:55PM Central. After I trade, I enjoy the day. No I'm not riding around in my Lambos posting IG/Snapchat (I have neither) stories of my profits with my private jet waiting on a runway trying to sell an $7 eBook or a $100 membership (HINT HINT). I grill/cook, read, workout, ride my motorcycle, attack my other sources of income (small businesses I'm building), hit the driving range, shoot guns, etc. I live in Texas. Life is cheap and fun here.
"How did you discover your strategy?" I bought TradeIdeas premium, went through all of their computerized backtesting patterns, tested them. Then did what I mentioned earlier... Tried to find correlations in metrics. It distilled the trades to a strict criteria and here I am. I post on average 4-5 tickers on my watchlist. 7 max. I do not like spreading my attention thin across multiple tickers. I do not recommend buying TradeIdeas, it does have lots of bugs.
"What did you do/How did you get started?" Was a data analyst, was good at research and applied it to trading. My incentive was, "I could have made more money trading rather than sitting in 2+ hours of roundtrip traffic and 9 hours in an office. The data is there. Everybody sees the same charts all over the world. There are ways to make this possible"
"What is your % return?"(Not a fun question since a trading account is not an index or investment account. Intraday traders do not measure performance in %) I trade to make money AND pay myself, so my equity curve will look like a small loss or small gain after I pay myself. % return? I measure my account's performance in Sharpe Ratio and Risk Units. My Sharpe Ratio is ~1.85. While I yield roughly .8 - 1 R per trading day. Some weeks I make 10R. Some weeks I lose 2R. Yeah one week I might make $2,500. But the next week I might lose $300. The following week my strategy will yield $0 and the last week I might make $1,000. Some weeks suck. Some weeks are great. But overall. Just shy of 1R per trading day. Some days I'm super busy taking trade after trade. Some days I'll shut it down after 5 minutes without even filling out an order ticket. Some days I won't even see the open because there is no edge for me.. Keywords... "For me".
"Is enough to start trading?" Depends on where you live. Are you restricted to PDT? If not then how much are you obligated to expenses? I live in Texas. Things are cheap here. If you live in NYC or The Bay Area your expenses will be astronomical compared to mine. A $30,000 account is totally doable for a single Texan with low monthly expenses. Now if you're in California or New York? I'm sure you'll fall below 25k if you have 1 bad month. Also depends on if you have other sources of income or a full/part time job. I encourage every trader and aspiring trader to have multiple sources of income, don't rely solely on trading. Not just for the sake of mitigating pressure but also for sanity. If you have a family to provide for, I don't know what that's like, you never know when Little Johnny is going to randomly pick up Trombone lessons for a school program/play while little Suzie needs transmission work in her car because a simple solenoid went out. $1,700 later.
"Why do you need so many monitors?"I use 3 for trading. The 4th is for music. The other 2 are useless while trading. That's for trading though. When I made the decision to go full time, I knew I was about to go off the chain with research. And sifting between spreadsheets, a platform to see multiple timeframes for a pattern to backtest. My attention span is short, I'll lose my train of thought before I open the other tab to input data. But the main reason was for research. It's such a time saver and is a headache repellant when doing research while everything is laid out in front of you. Now that I have a system. I'll most likely be treating myself to 2 ultrawides for Christmas.
As always, thank you to everybody who takes time out to message me and letting me know some people read these and show appreciation. I would say, "Good luck" but there is no luck in trading. Just statistics. Remember that! In conclusion: Yes. Full time trading is possible, depending where you live/monthly expenses and obligations. You're more likely to become a profitable trader than a professional athlete. There is a level of uncertainty each day, perhaps each week, doubtful each month, and definitely not each year. If I ever want a raise, I just consult my business plan and financials, then decide if I can handle it mentally. If you have medical issues, get a part time job for the benefits. If you're healthy, just be careful. All the best! -CJT2013
It’s June 18th, 2017. There are three days before the National Hockey League’s first expansion draft in seventeen years, and the boardroom of T-Mobile arena, the future home of the Vegas Golden Knights, is buzzing. Months of scouting, speculation on who might be available, and discussions about possible trades are finally nearing their fruition. Bill Foley, the team owner, steps out to grab another cup of coffee when a thought suddenly strikes him. He works it around in his brain for a second, then runs back into the boardroom. A pro scout who focuses on goaltending is making his pitch to General Manager George McPhee. “...Well, if we don’t take Grabovski, Jaroslav Halak is available as a potential backu-“ “Don’t you DARE speak that bastard’s name to me!” McPhee screams. He quickly snaps out of the PTSD flashback that the goalie’s name inspired and moves on. “We’ll take the centre from them and... what about that Rangers backup instead? That Raanta guy?” On the whiteboard behind them is a set of handshake deals that they have made, pending registration with the National Hockey League's office.
Anaheim trades: Shea Theodore for Expansion Draft Considerations. (Clayton Stoner) Columbus trades: 2017 1st, 2019 2nd, jack johnson, for Expansion Draft Considerations (William Karlsson) Florida trades: Reilly Smith for Expansion Draft Considerations (Jonathan Marchessault) and a 5th round pick Minnesota trades: Alex Tuch for Expansion Draft Considerations (Erik Haula) and a 3rd round pick New York trades: 2017 1st round pick, 2019 2nd round pick for Expansion Draft Considerations (Mikhail Grabovski) Tampa Bay trades: Nikita Gusev, 2017 2nd, and 2018 4th for Expansion Draft Considerations (Jason Garrison) Winnipeg trades: 2017 1st round pick and 2019 3rd round pick for Expansion Draft Considerations (Chris Thorburn) and Columbus 1st
Foley interrupts the goaltending conversation - this can't wait. "George, can I talk to you quickly?" They take a sidebar. "George, I just had a thought. These deals you made - you just traded 'expansion draft considerations,' right?" "Yes, we'll select the player that they want us to." "But what if you don't? What if you just take whoever you want? Would it be against the rules?" "I... well...no. Technically we could do that. But it would be dishonest and would make everyone furious at us." "So? I didn’t buy an NHL team to make friends. I bought an NHL team to win a Stanley Cup, and also to let people know that I went to West Point. Did you know I went to West Point?” “Yes Bill” “I trust you George. Now go out there and get me a championship.”
Tensions are high in the green room on June 21st. General managers are walking in and out to greet and chit-chat with George McPhee and Bill Foley, the newest members of their exclusive fraternity of NHL executives. They laugh and exchange stories: Joe Sakic tells them about the gas leak in the Pepsi Centre that they noticed as soon as the season was over; Peter Chiarelli asks them to give him a call if they draft a right handed defensive defenceman (because that Draisaitl kid isn't really working out); John Chayka asks them if they're hiring. McPhee is having a hard time keeping things light and friendly, knowing that he's about to betray all of these men. Just submitting an offer sheet is enough to get you kicked out of the GM Secret Santa, let alone dishonesty at this level. Gary Bettman walks into the green room excitedly. “Bill, George, I am so excited for us to get going. Everyone in this building is so energized, I even just saw Evgeny Kuznetsov doing some smelling salts in the bathroom!" ~ The Las Vegas Hard Rock Hotel and Casino is packed with new Vegas Golden Knights fans. The award show itself is highlighted by the best NHL.com intern-written jokes that unpaid can buy. Host Joe Manganiello is dutifully following the Jack Johnson model on stage: he might be bombing out there but boy is he eating up minutes. After Brent Burns finishes his Norris trophy victory speech, and the PA quickly wipes the crumbs and beard hair off the microphone, the time has come for Vegas’ first picks. "From the Anaheim Ducks, Vegas picks…” McPhee looks out at the smiling faces in the crowd. He sees Bob Murray, sitting with his plus-one for the evening (Randy Carlyle). He sees Jim Rutherford trying to turn his blaring ringtone off with his screen brightness turned up all the way. He sees Lou Lamoriello, sitting with a slightly less murderous look in his eyes than usual. He knows that the friendships he has fostered with all of these extremely normal and competent people will never recover from what he is about to do. He takes a deep breath. “Josh Manson!" The Vegas fans go wild. The attached trade is announced too: they have picked up Shea Theodore in exchange for “draft considerations.” The general managers’ faces contort with fury as it dawns on them what has happened. Things only get worse as McPhee and Foley continue to announce their picks. Instead of taking Erik Haula from the Wild, they take Matt Dumba. And they still get Alex Tuch. Instead of taking Mikhail Grabovski from the Isles, they take Brock Nelson. And they still get a 1st and a 2nd. Instead of taking Jason Garrison from the Lightning, they take Yanni Gourde. And they still get Nikita Gusev. ~ After the show, twenty-nine general managers storm the green room with murder in their eyes. Bettman tries to deflate the situation. “Good evening gentlemen. I understand you’re upset, bu- Wait, where’s Jim Benning?” “He got stuck in the revolving door somehow. But we have him on speakerphone.” Benning's voice bellows out of Pierre Dorian's team-issued Motorola Razr. “That was an embarrassment! A mockery! An insult to everything that hockey is supposed to be! Who even wrote those 'jokes' anyway?! And by the way, the expansion draft was bullshit too!” Bob Murray’s face is an angrier shade of red than usual. “George you scumbag, we had a fucking deal! We only traded you Shea Theodore so that you would take Clayton Stoner!” McPhee says “Well actually, Bob, the trade was made for “draft considerations.” And I promise you we really considered taking Stoner.” The room erupts in anger again. Garth Snow is irate as well: "You bastard, how could you take Nelson?! Resigning Tavares would've been a sure thing if you had taken Grabovski instead! I can't imagine how this franchise's cap situation could possibly be any worse!" Lou Lamoriello smirks. Bettman sighs and tries to be diplomatic. “Gentlemen, I’m sorry, but he’s right. It says in the transcripts of the official trade calls that the trades were made purely for ‘considerations’, not for the selection of specific players. There’s nothing we can do about that. That being said, George, per the NHL’s licensing agreement with EA Sports we will need to confiscate a few of your phones.” The managers walk out of the room grumbling. On the way out, a confused Dale Tallon says “There's one thing I don't understand: If George went back on all those other deals, why didn’t he take Alex Petrovic from us instead of that Marchessault guy? And he still took that cap dump Reilly Smith from us too! What an idiot.” ~ The Knights’ players were already fired up by their respective teams’ willingness to let them go – now they’re extra motivated by everyone else in the league hating their guts.
Jonathan Marchessault – William Karlsson – Reilly Smith David Perron – Brock Nelson – Yanni Gourde Tomas Nosek – Vadim Shipachyov – James Neal Ryan Carpenter – Pierre-Edouard Bellemare – Alex Tuch William Carrier Brayden McNabb – Matt Dumba Nate Schmidt – Josh Manson Shea Theodore – Colin Miller Jack Johnson Marc-Andre Fleury Antti Raanta
They claim the President's Trophy and the Stanley Cup in each of their first three seasons. The league's general managers conspire to exact revenge on these scoundrels, and all agree that Marc Bergevin should offersheet their best young players, a plan that immediately backfires when Bergevin inadvertently saves Vegas considerable negotiating time and helps them lock up their core at reasonable numbers. The Knights later find a loophole in the salary cap that allows them to add high-salary free agents seemingly at will. After they sweep through the bubble playoffs in 2020, it becomes clear that no other team can compete with them, and TV ratings hit a dismal low. Amid financial uncertainty caused by COVID-19, the National Hockey League officially folds in late 2020. Agent Allan Walsh, desperately trying to secure spots in the KHL for his stunned clients, soberly sums up the feelings of the hockey world: https://preview.redd.it/q9p41mrmnzv51.png?width=560&format=png&auto=webp&s=5db5d08168a2c897b4f57e8473f73612f191398c (Thank you for reading, it's been awhile!)
Simple ways I've found to save money or How I'm earning $500 an hour
Edit: Probably going to be a truckload of downvotes due to the title. Do your worst. But for newbies to leanfire I think it's helpful to think this way. I'm not trying to say I earn $500 an hour 40 hours a week, but rather that's how much I earned for some of the hours I spent reducing my expenses. Can't change the title now though. So I just wanted to share this info because it's so exciting to me. I've already hit leanfire with my average spending being about $1000 a month. But ever since I got into being frugal I have to say it's actually more fun then when I was earning big bucks. Every time I figure out a way to save money it's like hitting a little jackpot at the casino (I don't gamble, just illustrating the feeling). So here are some ways I've found since I hit leanfire (about 9 months ago) 1) Cut my own hair. Savings ($25 per month, $300 per year, $1,500 in 5 years). I did this pre-corona but it ended up having a 2 fold benefit for me. Obviously it was required for a lot of people with corona, but the reason I did it because I HATE getting a haircut. I'm a guy, and maybe that's part of it, but I just don't like waiting around, then having them do a so-so job. Plus, now it takes me 30 minutes, instead of a hour (with 15 minutes both ways). It's a little challenging at first, but people say they don't notice anything different. 2) Switching from TMobile to Mint Mobile ($95 per month, $1,140 per year, $5,700 in 5 years) - This was a huge win for me. I found out that they both use the same network... I tried it out without switching my phone over. Now I pay (20 a month * 2) + ($15 a month that TMobile was paying for my netflix account). So $55 a month now vs 140 a month before! This was my biggest win by far but it was so satisfying. I love the service (and the app is better than TMobile. I have 8 gigs of data a month, which is fine. I'm cutting it close sometimes, but still I'm doing good on that. My total expenses for the year are only 12k, so saving $1,140 a year is an ENTIRE MONTH for me. 3) Down grade my Internet plan ($27 per month, $324 per year, $1,600 in 5 years). I had Comcast's 100 mbps plan when I really only needed 25. Max streams we have at one time is 2, and that isn't too often. So now I'll be on their lowest plan. Isn't that great though? Finding savings where you didn't really know you could? Literally nothing changes for me and I'm gonna save a lot. This took about 20 minutes to figure out and change. And considering it will earn me $324 a year, doing the math that comes out to $972 an hour as far as the rate I'm earning for my time. Being conscious of your spending and whittling down expenses has a ridiculously high rate of return. 4) Buying my own router ($15 per month, $180 per year, $900 in 5 years) - While I was checking my internet services I realized that I was renting that stupid Comcast Modem. I went online to see if there was a good replacement. Sure enough, for $120 I could get a great one and it would pay for itself in 9 months. But instead being the cheap sucker that I am, I decided to buy a used one from Amazon Warehouse for $60. Sure it's gonna be beat up, but I could buy 2 for that price. So even if it only lasts for a year I can buy another similar one for that price. Win! (Note, it will take 4 months to break even on it, but after that total profit). Took about an hour, so 180/hr! 5) Turning my coffee marker off when not in use ($40 a month, $480 a year, $2,400 in 5 years) - So this began as an investigation as to why my electric bill was so high. I started going out to the meter and literally using a stop watch to see how fast the meter was spinning per minute. As I was doing that I noticed that it starts FLYING ahead (1 rotation was taking 60 seconds, then it went to taking 2 seconds!!!!). I couldn't understand what was going on. So I started looking up the watts on things I use. 300w or so for the fridge, can't do much about that. Then I came to the coffee maker. 900watts!!! And we leave it on all the time. My dad and I drink coffee, at least a pot and a half of coffee a day each (yes it's a lot I know lol). But if you do the math 900 watts * lets say 20 hours a day * .16 cents per watt (which I pay), comes to $86.50 a month. JUST ON MY STUPID COFFEE MAKER. I had no idea! So the solution was to get a big restaurant sized thermos so after we use it we can stick it in there and it keeps it pretty hot for quite a while. CRAZY that this could have been the cause of my high utility bill. Took like 3 hours to figure out. So 'only' $160/hr (https://www.energy.gov/energysavemaps/appliance-energy-calculator) 6) Change my own oil ($40 savings quarterly, $160 per year, $800 in 5 years). I was always a cheap sucker, so when I was 18, with no knowledge I went and changed my brakes on my own, calipers and roters as well. This led to fixing things like Alternators and starters. (Brakes one time were going to $1,700, I did it for $225). I always avoided doing oil because it's a dirty process, which it is, but it takes nearly 2 hours at the dealership where as it takes me about 45 mins to do it myself. I hate waiting lol. The savings is even larger if you are working. It took about $100 in parts (ramps and stuff), so it'll take a few times of doing it to break even. But the hour I get back is invaluable. 7) Signed up for an Amazon credit card ($100). They had a free promotion where you get $100 if you sign up. You don't get a physical card, it's just used for amazon purchases. I'll never use it, but it's awesome I got it for free!
Total Savings per year: $2,584
So literally without giving up much, and not even counting the savings I got by time saved, I am saving $216 a month or almost $2,600 a year. In just 5 years that'll be $13,000 (more if you invest it). When you figure that my yearly burn is $12,000 that is a 21% savings on my whole year expenses. With that money I could buy all new furniture, a small boat, many great TV's, a new computer or two, a cheap car payment or probably a million other things. In my case I'm just gonna invest it probably, but really this didn't take me that long and now I'm gonna save a bundle. I love it! So yeah, that's it. I honestly didn't need any of these savings, but being ultra frugal is fun in and of itself. Now I have a $800 a month burn instead of $1000. Hope this helps some of you! It was a really great feeling for me! Happy savings!
READ THIS FIRST: Official Frequently Asked Questions and Answers - Important Up to Date Information You Need To Know about EIDL
\*LAST UPDATED 8/01**)
OFFICIAL FREQUENTLY ASKED QUESTIONS AND ANSWERS FOR EIDL
PURPOSE: This post will be a master thread with everything we have collectively learned on EIDL about the loan and the application process. It will be updated on an ongoing basis and will always contain the most current information. Things change frequently at the SBA with policy and you should check back on this thread on a regular basis. Please post any questions not covered and I will respond and add them here. INDEX OF QUESTIONS:
How do I get in touch with customer service phone support?
What are my chances of being approved for this loan? Can I know in advance?
I received a decline letter for “Business activity not eligible”. What can I do?
How is the loan amount calculated? How can I request a specific amount?
What is the maximum loan amount?
When will I get my portal invite?
I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
I understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
Does contacting my congressmen or senator actually work?
I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
Who are you, cue378? Can you help me?
My loan as obligated or already funded, I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
How do I show support for the volunteers and moderators for EIDL
I received my portal link, but when I go to create an account it just takes me to the login page. What can be done?
I was declined for "unsatisfactory credit". What are my options?
What documents are required? Will a loan officer contact me?
What is the status of the Advance/Grant program? Can I still get a grant?
What are the eligible uses of EIDL funds?
I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
What is CAWEB and how can it help me track my loan disbursement and other status?
1. QUESTION: How do I get in touch with customer service phone support? ANSWER: The highest level of official customer service is known as "tier 2" and can be reached by calling 1-800-659-2955 and asking for Tier 2. (NOTE: As of 5/29 the previous direct number is currently out of service) They are unfortunately, a very limited means of support. They are able to check your application status and see the current "stage" and leave notes in your file, but unable to directly make any changes or escalate anything in a meaningful way. Most are very nice and well meaning people but are usually poorly informed and often provided contradictory information between calls. The important thing to understand is that notes left by T2 do not actually notify a loan officer or anyone, they are simply waiting to be read if someone happens to open your file and takes the time to review the case notes. So if a T2 says they requested a change do not assume it was or will be made. 2. QUESTION: What are my chances of being approved for this loan? Can I know in advance? ANSWER: The loan is relatively easy to get approval for by loan standards. The exact underwriting criteria the SBA is using was leaked by some helpful people (hat tip to u/Sbaleaky) and thus you can have a good understanding what your chances are. Underwriters look for the following: -Minimum Credit Score of 570. They will pull from experian. Close to Vantage 3 model found on nav DOT com or TransUnion numbers on credit karma. They do NOT use FICO. Credit score is largest factor for approval for this loan and no exceptions are made for under 570. -If economic injury was sustained based on formula described in QUESTION 4. If this is a negative number you will be auto declined. (SEE QUESTION 5) The SBA does not consider potential revenue lost or general expenses in the loan amount. -Tax liens or tax issues are NOT a disqualifying factor or taken into consideration for COVID19 disaster. -Business start date must be prior to 1/31/20 -open bankruptcies = Declined. Closed OK. -Arrest for felony < 5 years = Declined -Arrest for misdemeanor < 5 years = Declined -Sole proprietors with delinquent child support > 60 days = Declined -Any business principals with 50% or more ownership with delinquent child support > 60 days = Declined -Your business must pass verification in some way that it is a valid operation. If they can find it on google it will suffice. Otherwise you may have to provide documents to prove it's a legit business. -Your business type must not be on the list for ineligible business activity. See list on FAQ. -All owners on application must be either US citizens or Permanent Residents. E-2 Investor visa is NOT eligible and any attempts to appeal or add a co-borrower who is a citizen or LPR will be unsuccessful. Corporations, Partnerships, and Limited Liability Entities (LLE): Alien-owned corporations, partnerships, and LLEs properly registered and licensed in the state where the disaster occurred are eligible. If any member, partner, or shareholder, owning 20 percent or more of the applicant business is in the USA they must be a qualified alien. If the alien resides outside the USA an exception may be made. 3. QUESTION: I received a decline letter for “Business activity not eligible”. What can I do? ANSWER: EIDL has a list of restricted business categories, if your type is NOT on this list and you still received this letter you may have been improperly classified. The following applicants are not eligible for EIDL assistance.
7-Eleven Franchise Stores, despite what corp office says. (advance is OK)
Lending or Investment Concerns (except for real estate investments held for rental)
Multi-level Sales Distribution (Pyramid) Concerns c. Speculative Activities d. Non-profit Organizations that are not considered a Private Non-Profit
Consumer and Marketing Cooperatives. However, other cooperatives and small agricultural cooperatives meeting applicable size standards are eligible f. Not a small business concern (except for PNP of any size) g. Gambling Concerns. Concerns that derive more than one-third of their annual gross revenue from legal gambling activities.
Casinos, Racetracks, Etc. Businesses whose purpose for being is gambling (such as casinos, racetracks, poker parlors, etc.) are not eligible for EIDL assistance regardless of their ability to meet the one-third criteria established for otherwise eligible concerns.
Loan packagers who derives more than one-third of their annual volume from the preparation of applications seeking financial assistance from SBA
Political or Lobbying Concerns.
Pawn shops, when 50 percent or more of previous year’s income was derived 50 30 9 71 Effective Date: May 31, 2018 from interest
Real Estate Developers. Establishments primarily engaged in subdividing real property into lots and developing it for resale on their own account.
Life Insurance Companies.
Concerns Engaged in Illegal Activities (as defined by Federal guidelines). p. Government-owned concerns, except for businesses owned or controlled by a Native American tribe.
Concerns with Principals Incarcerated, on Parole or Probation: remain ineligible if the parole or probation is lifted solely because it is an impediment to obtaining a loan.
Concerns engaged in live performances of, or the Sale of Products, Services, of a Prurient Sexual Nature.
Businesses considered as hobbies.
Concerns Involved in Change in Ownership Situations: Concerns which had a substantial change of ownership (more than 50 percent) after the impending economic injury became apparent, and no contract for sale existed prior to that time are ineligible .
4. QUESTION: How is the loan amount calculated? How can I request a specific amount? ANSWER: There is no way to request a specific amount, the eligible amount is calculated automatically by formula based on your inputs. There are three known formulas:
Standard Small Business: Revenue minus COGS divided by 2 minus advance, subject to maximum of 150K
Not for Profit: 6 months operating expenses year prior to 1/31/20
Business that collects rental property income, your offer is calculated by lost rents due to the disaster, not the standard formula. If your offer is lower than expected you may have been wrongly classified into this formula.
Agricultural businesses: 6 months operating expenses year prior to 1/31/20
If the formula results in a negative number or less than your advance you will be declined for "ECONOMIC INJURY NOT SUSTAINED" 5. QUESTION: What is the maximum loan amount? ANSWER: As of last update it is currently 150K cap. This will not change anytime soon and there will be no way to request more at present. The only way to avoid the cap is if your loan was already being obligated prior to the change by the SBA from 500K. If I hear anything new on this it will be updated here. 6. QUESTION: When will I get my portal invite? ANSWER: Portal invites are a fully automated process and not strictly sequential but follow general group patterns. If you see someone that has a higher number than you get a portal invite it does NOT mean you were "passed over". 7. QUESTION: I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what? ANSWER: This is when the actual loan process starts and underwriting begins. Your application will be assigned a loan officer for review using the criteria listed in question 2. The exact process is as follows (hat tip u/sbaleaky and u/LOL_Face_69) with the actual stages from start to finish. Keep in mind that once you accept in the portal a number of things are going on behind the scenes, which is why "processing" can take a great deal of time. Once you see a loan amount in your portal, this is NOT a "pre-approved offer". It is simply a potential amount you are eligible for based on the stated formula if you pass underwriting.
Initial Call Needed (credit not ran)
Credit Pulled (waiting for automated portal invitation, this is by far the longest part of the process)
Quoted (received portal invite with an eligible amount)
Offer Accepted (you confirmed and submitted an amount in the portal)
Submitted Deal (waiting to be assigned to a Loan Officer)
LO assigned and makes decision: Declined, Duplicate, Approved
[The following takes place behind the scenes and will not reflect in your portal, but will still say "processing"]
Approved: T2 Rep can now see your loan is approved on their screen. This means the Loan Officer has approved the deal and it is now going to the Senior Loan Officer. If the SLO does not approve the deal then it will go to declined.
Obligating: SLO known as a "team leader" reviews the work of the first LO to ensure everything was done correctly. Once they sign off on the deal the loan is now fully approved. The loan is being sent to the E-Tran system to receive a loan number. The loan has not yet received a loan number from E-Tran while obligating. This is the most common phase where hang ups in "processing" can error called "error in obligating". Usually due to small technical issues or errors in your information that need to be sorted.
Obligated: A loan number from E-Tran has been obtained and now closing documents can be drafted and sent to the borrower. This is when your portal would change from "processing" to approved. There may be a delay between when your offer is obligated to when it actually shows approved. I have seen it happen in as fast as 10 minutes or as long as 12 hours. You can also see approved but not have docs available. Docs will not show up until you get an email with the approval. The delay on this can be a few hours or more.
Funding: Docs are signed and the loan is automatically moved to funding stage to have treasury issue an ACH. This happens very quickly and you should see the ACH sent right after with the funds arriving in 24-48 hours on banking days. At this point you can track the disbursement with your loan number from the docs using CAWEB to see if the ACH has been sent. See CAWEB question.
Funded: Process complete, funds are successfully in your bank account. Congrats
Note: The exception to this process is that some applications which are considered easy (based on unknown factors) to approve are subject to full automation and may go straight to approval bypassing the above steps. This only happens in rare cases. You may also see a status that says, "On-Hold" Amount $0: This status typically is when your loan was temporarily declined and is still in the reconsideration department pending possible reconsideration approval. It most commonly relates to credit based issues or problems pulling your credit report from Experian. 8. QUESTION: I now understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time? ANSWER: The amount of time it is normal for your portal to say "processing" is highly variable as a hundred different factors are involved behind the scenes. Once you submit for processing you are in queue to be assigned a loan officer**.** If your application has been in underwriting for greater than 20 days it may merit investigate, but not necessarily indicate a problem with your chances of approval. Do NOT panic if it seems "stuck" with no communication from anyone. This is normal.
UPDATE: As of 7/20 the current queue/wait time to be assigned a loan officer, get approved, and have closing docs drafted is 14-18 days. Some are seeing immediate automated approvals same day, this only happens in around 30% of cases. The rest must be manually processed. You are NOT "stuck" if you are still within this time range.
9. QUESTION: Does contacting my congressmen or senator actually work? ANSWER: Yes, the SBA treats congressional inquiry very carefully and will flag and sometimes white glove your application. Often they will assign a special case worker during the process. The important thing is when your local congressional office reaches out they do NOT contact the local district SBA but this email: [[email protected]](mailto:[email protected]). This email is NOT for use by applicants but only official government purposes. 10. QUESTION: Help! I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this? ANSWER: Yes, butonly if you meet the following two conditions:
You should NOT have already accepted an amount and submitted for processing in the portal. *If you already did see note below.
You have documentation to backup the changes such as Federal Tax Returns 2018 or 2019 or P&L Statements. Tax returns are preferred if available but not required if the offer is showing as eligible in the portal.
The important thing here is DO NOT accept the offer in the portal if you need to revise your numbers.
*IF YOU HAVE ALREADY ACCEPTED THE OFFER: Call tier 2 support as soon as you possibly can and ask them to make the following note in your file: Loan Officer, DO NOT approve this file without calling me, the applicant, because my (revenue or COGS) figures are wrong. I have supporting docs to make the changes. Please contact me ASAP. 11. QUESTION: I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late? Answer: Unfortunately tier 2 is currently giving absolutely terrible advice in this situation. They are telling people to accept the offer in the portal to speak with a loan officer to make the revision. The problem is that once you accept you set the process in motion and then it gets obligated by treasury it is impossible to adjust. The proper time is prior to accepting. Often times loan officers never are needed, never reach out or even read these notes. I see it every day and people are stuck its the "kiss of death" advice. If you already accepted you may have time but would need to work quickly from date of submit. UPDATE: As of 6/15 there is now a way to fix this. See question 13. 12. QUESTION: Who are you, cue378? Can you help me? ANSWER: I am a small business owner sharing the information, strategies, and general knowledge I have gained over the course of 4 months and helping in almost 1000 cases. I do not work at the SBA nor do I have any affiliation with the SBA. Do to an extreme flood of requests for help, I will not be able to answer PM's or chat requests. Some people have asked how they can support my efforts. While I do not ask for donations, another volunteer decided to setup a tip jar in case people want to show their support. To be clear any assistance I offer is entirely free without any expectations. Please note, anything donated prior to contacting me in an effort to gain faster help/special attention won't yield those results, while appreciate your support I keep everything fair to others who don't donate. The tip jar can be found HERE. 13. QUESTION: My loan was obligated, already funded, or I already accepted the amount in the portal. I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it? ANSWER: As of 6/12 loan modifications are now being allowed. You can contact [[email protected]](mailto:[email protected]) and request a "Loan Modification increase". It is a 3-4 week process that requires documentation. A second loan will be given for the difference from the first one. It will be processed as a 20xx series loan in the old system/portal. For more details email me. Note if you have not yet accepted the offer the normal process is much faster. 14. QUESTION: How do I show support for the volunteers and moderators forEIDL ANSWER: For supporting Cue378, there is a tip jar listed above. If you wish to show support to our community moderators, you may reach out to them direct at u/tahoechick36 and u/Scorpio14534to ask how you can show your appreciation for their time and efforts. It takes a great deal work run the community and they are putting in a near full time effort outside their normal occupations. 15. QUESTION: I received my portal link, but when I go to create an account it just takes me to the login page or I get the error: "The user account has not been confirmed yet. What can be done? ANSWER: If you takes you back to the login screen instead of letting you create an account, try following the steps HERE 16. QUESTION: I was declined for "unsatisfactory credit". What are my options? ANSWER: You have a few options.
You can bring your vantage 3 score over 570 by paying down cards, when you are ready you can request the SBA re-pull your report and reactivate your account via [[email protected]](mailto:[email protected])
*You can request to add a co-borrower that has a higher score than 570 with no open bankruptcy and run their credit to reactivate your application.
*As of July 20th the SBA is no longer allowing the use of a Co-Borrower for reconsideration of an insufficient credit denial. Further details and updates on this situation are available in the threadHERE. 17. QUESTION: What documents are required? Will a loan officer contact me? ANSWER: In many cases no documentation is required and everything is self certified. Most commonly an LO will need to contact you to clarify some things about your business or request specific documents, or confirm your public business presence. In about 1/3 cases you will receive no communication from a loan officer and approvals are automated. For denials you lose self certification ability and you will be required to furnish full documentation. 18. QUESTION: What is the status of the Advance/Grant program? Can I still get a grant? ANSWER: As most of you already know, the EIDL Advance/Grant program has ended and the full 20 billion in funding for the advance has been exhausted. The option has been removed from new applications. Getting funding for the advance as a new applicant at this time will not be possible. For older applications please see this post for more information: https://www.reddit.com/EIDL/comments/hr3l41/eidl_news_714_update_regarding_the_current_status/ 19. QUESTION: What are the eligible uses of EIDL funds? ANSWER: These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. What are all the possible uses of the funds? The wording ‘obligations that are unable to be met due to lack of revenue’ seems to be a catch all, but how much so? The EIDL working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits or for expansion. If you have more specific questions on the allowable usage of EIDL funds, one of our moderators, u/Scorpio14534 who is also a licensed professional CPA that is very knowledgeable on this matter is open to email requests. They can be reached here: [[email protected]](mailto:[email protected]) 20. QUESTION: I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do? ANSWER: This occurs when the numbers entered on your application for COGS are greater than your revenue. The SBA calculates economic injury based on the formula in question number 4. You can also be denied for this reason if the resulting number is less than your advance amount. Please note that the SBA is only taking into account revenue earned prior to the disaster date of 1/31/20 to calculate your economic injury. If your only revenue was earned after that date as a newer business you may not qualify, but it is possible to use a 12 month projection which you can submit to reconsideration. If the numbers on your application were correct, you would not be eligible for an EIDL. If you made an error you can request an amendment and reactivation of your application. 21. QUESTION: What is CAWEB and how can it help me track my loan disbursement and other status? ANSWER: You can use the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding. It allows you to see disbursement status and other details related to your loan. ****Hat tip tou/tahoechick36for this amazing write up*\* Using the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding. Visit caweb.sba.gov or click the link at the top of EIDL Setting up an account: You need a SBA Loan # to set up an account - for EIDL it appears on the first page of your documents, in the upper left hand area, and says "SBA Loan # XXXXXXXXXX.” SBA loan #'s are 10 digits. Your Application # will NOT work for account set-up. If you have a PPP Loan, you can use your SBA # for this loan to set up an account. Sometimes this # is easy to figure out, sometimes not. That has to do with an intermediary (like your bank) being involved, but if you can track down an actual SBA Loan #, you can go ahead and get registered without your EIDL loan number.
On the home page click on "Not Enrolled?" in the top left. This takes you to a screen to enter info. You may come to hate this screen, this process is very finicky.
Look at the rules for creating a User ID and Password by clicking on "Rules..." next to the fields.
Write your exact ID & password down somewhere - if you ever get locked out and call the SBA for help, they are going to tell you that Borrowers are not supposed to be able to access CAFS CAWeb. Apparently we still can, so don't make this a big deal or maybe that will change!
For user type - select "borrower" from the drop down menu.
Fill in the highlighted fields with your info. Click on the "ZIP LOOKUP" button after you enter your zip code. This auto populates some other boxes, and registration won't work if you don't do this.
For the country code in the phone number section enter "1" for the United States.
Financial commitment ID is your Loan # - 10 digits.
If you don't have a landline, it has been reported that just entering your mobile number in both fields works. You will have to select 3 of their security questions, enter the Captcha image info, then hit "submit" at the bottom.
If it didn't like the info you have entered, it will give you an error message for what part it didn't like, and you will have to try again, which requires re-entering quite a bit of the information. It's a pain. But if it takes it, you're in! There may be a verification step now as well. Finding your loan on CAWeb
On the caweb homepage, login (if you aren't already), it will be personalized and show your name. You have to scroll down and check the "Agree to Terms" box when you are logging in.
Click on "Borrower" in the top left, then click on "Borrower Search". This should take you to your "Loan List" showing the loan #, borrower name, loan type, amount, and loan status.
PPP loans typically appear as "Active Un-Disbursed" - if your PPP is already funded don't worry about that. Your EIDL will show up as "Disbursed Current" if funds are on their way. It may say something else if you look immediately after you send back you Docs, but it should change pretty quickly. Logging out and back in again will sometimes refresh the status. Loan status will say "Active Un-Disbursed" until Treasury send the funds to your bank, then it changes to "Disbursed Current".
It depends on your bank when they post in your account (same day, next day, time).
If your banking info didn't verify, the transaction will fail to go through, and the status will revert.
If you are not funded within 3-4 banking days, there is likely a problem - check your info in your portal, call the SBA, and then email Cue if needed.
If you click on your loan# in the list, it opens up a page with details about your loan.
There's even a box at the bottom to check if you want electronic account statements only, but if you check that, a warning pops up about "all attached to this loan will be affected by this change", so we recommend not selecting that option just yet.
PRE POST EDIT - Damn I'm sorry this is so long. TLDR - got hoovered up for an entire day and fell for it again. Hello random internet friends. I'm all over the place and it's hard to write this because I know what a lot of you will be thinking and telling me to do. I'm not sure even why I'm writing this, I guess I just need to get my thoughts out there and rant / vent etc. Last Tuesday my wife (after we'd had a fight over chocolate spread, yep! fricken chocolate spread) came to me and said that she didn't want to be in this anymore. I grey rocked my arse off and simply replied "Yep! I agree" Apart from a talk on Wednesday night we remained apart from each other as much as we could (As I have three kids and literally no funds and no family or friends nearby I couldn't leave the house). Over the next few days I was an emotional rollercoaster I just kept up with the grey rock but found that during the days I was feeling really down but whenever my wife was out or in the evenings when she was in bed and I was still up I was feeling quite positive. Fast forward to yesterday and the big hoover started. It started in the morning. I said that I was going out to the shops and she said that she needed to speak to me first. She came in quite strong. "I don't know what is going on with you but I need to have full access to understand what your problem is so I can help". "Full Access to What?" "Your bank accounts, Your debts, your emails" "I'm not giving those to you" "I think there is something going on with you and I want to help so I need to see them, I think you have a gambling problem or something" I'd just like to add at this point that I do not gamble, sure I've been the casino a couple of times and the horse races but more for the day out to have fun than to do any serious gambling, (we're talking perhaps 10 occasions over the last 15 years or so) Normally I've come out even or lost like £40 or something. One time, about three years ago I placed a relatively large bet and lost and she keeps bringing this up saying that I have a problem with gambling but since then I haven't gambled at all. I eventually caved in under the pressure (I don't have anything to hide on my statements) and said I would print them off for her later. She then started saying that I have addiction problems and I had to get rid of my computer because I'm addicted to it. I enjoy playing some strategy games but I only do this for a hour or two in the evening after everyone has gone to bed. Throughout all this the grey rock got dropped and I started engaging with her and of course I was trying to explain that the real reason I wasn't her meltingmandible and more was because of the way she has treated me over the years we have been together. She said that she wasn't going to do the "abused little husband thing again" The conversation went on and I somehow managed to get her to agree that she wouldn't call me names anymore, she wouldn't put me down, she would berate me over the amount of money that I make. I left for the shops and when I got back she came up to me and put her arm around me and was really nice to me. Ok I thought, we then got inside and she said "You know, we've spoken about what you need to make this relationship, but we didn't speak about what I need" Ahhhh, crap! here we go. turns out she wants the following She wants me to pay her 65% of my salary to contribute towards all the house bills, this will leave me with enough money for petrol and to cover my mobile phone bill and a couple of other things, you have to bear in mind that she an income of approximately 15 times my annual income. She wants me to get rid of my computer because she doesn't like me playing computer games, carrying out family history research, or video editing which I all do as a hobby. She wants me to help out around the house more, (I'm up 3 hours before her every day getting the kids up and ready for school, doing snack boxes, walking the dog. I go to bed 3 or 4hours after her and I'll generally clear up the kitchen and tidy away things around the house. I'll leave work early to pick up the kids and have to work over time to make up for it. I'll cook about 50% of the time and also bathe the kids when I get in from work. She wants access to bank account so she can keep an eye on it. She wants me to make an effort to lose weight as she says I'm obese (I'm overweight but I'm also 6ft 2in so I can carry it off a bit. I also eat when I'm feeling down) By the end of all of this I was so emotionally exhausted that I just stupidly agreed to it all. When she went to bed, I put the kids to bed and went into her bedroom and she started bursting into tears about how this relationship has degraded, I said that I was willing to take ownership of the things that have gone wrong but she also needed to understand that she has caused our relationship to suffer as well. We talked for almost an hour and the best I got out of her was "yes I fly off the handle when I shouldn't sometimes but it's only because of what you have been doing" throughout all of the day I could see what was happening but Seeing the woman that I love crying her eyes out in front of me and feeling that I could make her feel better was just too much for me and I finally buckled. So to close. I now have to
hand over 65% of my paycheck
not use the computer as much for things that I enjoy, family research, video editing, and strategy games
do more work around the house
see a therapist about my addiction problems to food, computers and gambling (food, I agree I have a problem with when I'm feeling down but I don't gamble and have never had a problem with gambling, the computer, I only use for recreational in the evening when everyone else is in bed and I'm by myself)
In return she is going to:
try and stop calling me names
not put me down so much
not roll her eyes at me when a household bill comes in and I ask for her credit card to pay it.
What the f*** is wrong with me? I thought that there was a little light at the end of this long 15 year tunnel but I just got sucked back in. Even though I know what has happened and what was happening my heart was breaking seeing her crying.
Coronavirus misconceptions vs. reality: the *** MAIN *** reason to no longer postpone the release of the "global pandemic" script is the dying oil industry
All it takes is to add 1 + 1 to understand WHY illuminati MUST NOW administrate the KILL SHOT, starting with: non-renewable resources rapidly reaching ZERO, specifically OIL. (1) Passing "Truth in Plain Sight" is one of the commandments of the satanic illuminati religion, part of proving to what extent people can be reduced to human cattle. Coronavirus hoax agenda can be reduced to this: script meant to accomplish what is written in plain sight since 1980 in the Georgia Guidestones: 500 million. (2)
Fake coronavirus: "vaccine" misconceptions v reality
Misconception: "Vaccine" is meant to kill in a few years. Reality: The lethal "vaccine" round is not meant to kill in a few years but rather in a few days. (3)
Misconception: Dr. Fauci is a reliable health professional. Reality: "Fauci" is a fake name meant to suggest Fraud(ci). Same as the illuminati icon Ethiopian actor playing ...Yesus (read: "Jesus"), the head of the WHO. (4)
Talk of fake names evoking mockery ...
Giuliani-Borat script for dummies
You are in the reverse Truman Show (5), the movie released 1998 to celebrate the completion of the simulated reality matrix (6): everyone on the "political news" stage are actors (7) and the audience is Truman Burbank. (8) The main agenda of the sex-based 1998 "Lewinsky-Clinton" script was to divert the global audience from the start of air bombings against the only European country not controlled by the illuminazi. This justified by "massacres" for the camera, in a world where about every "head of state" was already doing nothing but to execute orders from the Illuminati Grand Master. (9) The main agenda of the sex-based 2020 "Hunter-Biden laptop" script is to divert the audience from the start of the global mandatory "vaccination", to reduce the world's population to 500 million. This justified by a fake "highly contagious and deadly" virus, named to mock Jesus, as it supposedly resembles a crown of thorns. As for the audience for which this script was created: reduced to "conspiracy" boards, populated by supporters of the actor playing "casino billionaire" playing LastTrumpe(nc)ts (illuminati named icon Trump after the verb ["to trump"] as well as similar nouns: Tramp, Trumpet [Last] and Truman [Show]). In other words: the very same actor about to fully detonate as suicide bomber DamnOld Tramp. (10) This while the rally audiences for the actor about to enter the White House riding the "black" Camel(a) ticket, good old Joe (of the "black" Obama Bi-nla-den ticket) (11), is reduced to two digits. The best actor to complete the disarming US citizens agenda, which must take place NOW. The same Biden who is now calling for MANDATORY masks for all interstate transportation (alias: interstate highways). Oct 23, 2020 - Video: Biden Says He Will Mandate Mask Wearing on All Interstate Highways — in Your Vehicle
The main reason to no longer postpone the release of the "global pandemic" script is the dying oil industry.
Reminder from Jan 2020: Lethal coronavirus vaccine's second round: What will happen before - Script is HERE and only here The fake global pandemic is meant to reduce the world's population to 500 million. Before the global mandatory LETHAL "vaccine" the illuminati (alias illuminazi) script has anyone not only vocally opposing it but also refusing it eliminated. This will be done in two steps.
Before the announcement of the first round of the global mandatory "vaccine" the goal is to detain all protesters, from those exposing the hoax to those opposing vaccines, masks [added: and installing or deactivating the "trace app"].
First round of the global mandatory "vaccine" will be used solely to detect and eliminate those who refused to take it. In other words: when the second deadly round will be carried out SIMULTANEOUSLY all over the world there will be no longer anyone left to oppose it.
May I remind you that the two steps announced in first post from 2009 are well behind us.
Why YOU will accept VASSACCINATION of children and parents, before illuminati VASSASSINATE YOU
Of course all reasons are a consequence that YOU carry the Mark of the BEAST, that YOU formally ACCEPTED it on November 2, 2004 in the US or in the EU a few days earlier, October 2004. But what exactly are those reasons? For a start: 1. You accepted genocide of your own people. Reminder: since 2000 alone in the US more than 4 million "unproductive" were murdered in hospitals and homes. (12) Notes Still wearing masks and installing COVID-19 mobile phone tracing apps? Then you did not get the basics that any child can get. Each MANDATORY measure is upscaled to pave the way for the FINAL SOLUTION for the global "super virus pandemic" hoax. IF you want any chance to escape the slaughterhouse that you are now currently inside but do not yet recognize it, then start by reading all articles in the CONTEXT and BASICS sections below. Note that many of these articles were posted YEARS ago by only ONE and continue to unfold EXACTLY as predicted, all verifiable by timestamp. CONTEXT(All in reddit)
To get your Age, the End Times, you MUST get the Illuminati Matrix since 1789 Illuminati World Wars and Illuminati Matrix all basic facts exposed worldwide first by Last Prophet Matt, one of only two members of the Web of Truth. In other words: same goes for the Illuminati Web of Disinformation. 2009 article, last updated Nov 2016 - Illuminati Matrix: unchallenged from the start, 1789 It was established 600 years after the illuminati stepped on stage as "crusaders". Not even those who played a KEY role opposing and even defeating the illuminati in major battles were able to recognize AND expose KEY pieces of the Matrix, let alone its totality. The list of those who could have shaken the Illuminati Matrix includes: ...
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Live casino games in this establishment are provided by Pragmatic Play and Net Ent, two reputable software companies that thrill players across the globe with vibrant slots and luxurious live casino games. There are seven variants of roulette, 18 types of blackjack, five types of baccarat and sic bo, which indicates this live casino is on the smaller side. Still, this makes it perfect for beginners who can’t handle a great variety of games and variants all crowded on a single platform. If we had to mention some titles that were fun for us, it would definitely be Roulette Macau. The minimum bet is €0.50 and the maximum bet is €2,000, but what surprised us the most is the live chat feature where you can talk to your peers all across the globe. Talk about authentic casino experience! This casino lacks only one type of live gaming - gaming shows that are most common at Evolution Gaming live casinos. Adding a few popular titles would further diversify their portfolio and be a popular choice among punters who like dynamic yet lighthearted types of gambling that don’t require a lot of attention, skill or knowledge. >>Get Free No Deposit Bonus<<
Deposits and Withdrawals
The minimum deposit at Casino Sieger is €10, while the minimum withdrawal is set at €20. You can make the payment via several popular methods: Sofort, AstroPay Card, Visa, MasterCard, SafetyPay, ecoPayz, Skrill, Neteller, PaySafeCard, PassNgo, Zimpler, Trustly and many more. And while some of these payment methods might be restricted in certain countries, there is always more than plenty to choose from. All payouts are processed within two working days, and you might even have to verify your identity, but trust us, this step is essential for safe and smooth transactions. It takes up to four working days for the money to get to your bank account. If you don’t want to verify your account, keep in mind you can withdraw only up to €2,000. Per week you can withdraw up to €1,000, and there is a limit on €2,500 in withdrawals per month. Of course, there are some exceptions to this rule so make sure to read T&C carefully. Furthermore, the company reserves the right to charge a 10% fee on withdrawals which can be considered quite pricey.
Verifying your Casino Sieger account
As already mentioned, all players who want to enjoy their winnings to the fullest must verify their account. The entire process is quite simple and takes just a little bit of effort. You have to prove your:
Identity, by providing ID copy or similar document that proves who you really are
Address, by sending a utility bill or bank statement, no older than 60 days, with full name and address
Casino Sieger is the ultimate winner when it comes to a user-friendly interface; let’s take it step by step. First, the casino looks sleek, elegant and professional thanks to an attractive combination of black, silver and gold. All buttons are easily visible, and even users of the older generation won’t have any difficulties navigating it. Second, games are well organized in their respective categories, and there is also a search bar that works without mistake. Do you need to know more about bonuses? Bonus terms are easily accessible and published for everyone to read, so there is no guessing game when it comes to playing the wagering requirement. Furthermore, almost all games feature a demo mode, which means you can play virtual money before your real deposit. That way you don’t risk any real money, but still manage to learn all the rules and features. Overall, it was a pleasure to play in this casino.
Casino Sieger mobile platform follows the same design concept as the desktop platform, with some minor adjustments for more pleasant mobile gaming. One of those adjustments is a slightly different games menu, but we have to admit it doesn’t affect the playing experience in a negative way. On the contrary, it makes more sense to navigate vertical tabs than horizontal ones while playing on the phone. The mobile gaming interface is instant and supported by all modern browsers that can be set up on Android and Apple phones. There are no downloads and updates involved, and your mobile storage space won’t be affected by mobile gaming. This advanced approach towards mobile gaming allows you to play whenever and wherever; just make sure you have a reliable internet connection, and a solid WiFi or mobile data plan with your operator. All games load pretty fast, and work without any delays or buffering. >>Get Free No Deposit Bonus<<
Casino Sieger Help and Support
Feel free to contact their customer support via live chat. Agents respond quickly, and even though you might have to wait a minute or two to get your answer, the service is simply superb so we can’t complain. Before starting the chat, you will have to provide your name and email, as well as type the question you have for the support. Alternatively, you can contact them via email. These are the main categories in the Casino Sieger FAQ:
In addition to FAQ, there are also game guides that provide basic rules on how to play certain gaming titles.
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Turbo Casino Welcome Bonus Package & Promotions
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Other Promotions to Consider
It’s always a good idea to keep your eyes open for any new promotion. That’s why the casino will send you any seasonal or holiday offers as soon as they are put up on the website. Remember to check your email regularly to never miss on something cool.
Turbo Casino Security & Licenses
Turbo Casino focuses exclusively on operating as a remote gaming operator. Put simply, they are licensed by the Malta Gaming License (MGA) which gives them credibility in Europe. The website is completely secured from any interventions thanks to the comprehensive SSL offer that the casino runs to guarantee your funds are protected. The website uses a GoDaddy SSL certification which allows it to keep your private date just that – private. Speaking of the security of the website, you won’t find any flashy banners or other security risks. Looking at the HTML code, we concluded that the website was properly coded, something you can see for yourself when you browse around without any problems.
Turbo Live Casino
Turbo Casino has chosen an interesting partner to power its live dealer games – NetEnt Games. NetEnt is the world’s leading developer for slot games, but as you can imagine they also have a very cool live portfolio. The available games include
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With a mix of table limits and opportunities to play as a high roller, it’s definitely worth checking out what Turbo Casino’s live vertical has displayed. We are sure that the games will grow and more live dealers will soon appear on the shopping windows of this operator.
Slot Games & Providers
There are two main categories for the slots here – video and classic (simply called “slots,” however). You will find fewer classic games, but they are worth your while. We have tested and determined that as long as you have a mobile device, you can enjoy these games on the go. Definitely a big plus for gamers who don’t get so much time to play, but more on that later. In the meantime, it’s good to know that you will find such awesome titles as Rapid Reels, CashSplash 3 Reel, Classic Joker 5Reels, Wild Stars, Twin Joker, and many other awesome games. If you move over to the video slots section, Turbo Casino will introduce you to some of the best Microgaming and NetEnt titles. Yes, these two studios provide the casino with the better part of the existing games. This is good – especially if you are a player looking to turn a profit while they play. So long as you are registered, you will be able to experience the casino’s offer for free – no questions asked. However, for security reasons and to comply with its licensing, Turbo Casino expects you to have verified your identity. Once again, you can expect to find HTML5-compatible games here. >>Get Exclusive Welcome Bonus & Free Spins<<
Speaking of HTML5, you probably know that this is indicative of being able to play from tablets and smartphones. The majority of vendors that provide games for Turbo Casino have adapted most of their titles for this tech. As a result, iOS users will have nothing to worry about in the slightest. Other than that, we definitely can see room for improvement insofar as the mobile user interface is concerned. Browsing is a little clunky from a phone, but it’s completely fine in-game
Turbo Casino Payment & Withdrawal Methods
It’s always a good idea to check whether a casino can offer you enough payment options. All deposits are carried out instantly and so are withdrawals – although there could be a delay of up to 24 hours for the casino to make sure that everything is in check. Some of the available payment methods include Credit Cards (Visa & MasterCard), Bank Transfer and e-Wallets, such as Skrill, Neteller & Zimpler, among others. Keep in mind that to carry out any financial operation at Turbo Casino, you will need to verify your identity by showing the necessary documents, such as a utility bill, a valid ID, a copy of your credit card oand a bank statement. Not all information is required, but some will be. Make sure to comply with the process and you will be able to play at Turbo Casino before long. Need to confirm something specific about the payment options? We recommend that you drop by the customer support page and see what’s in for you there.
Mistakes do happen, but the good news is that they are very easy to solve at Turbo Casino. This is all made possible by the intuitive customer support options that you will find here. Whether you want to get in touch with the casino or just check things out on your own, you will definitely be happy with the level and quality of the helpline here. Let’s start with the fact that you can read up on your own in the Q&A section. Not really sure if that’s something that you would really enjoy yourself? Well, there is no need to worry either, because if you can’t find your way in the Q&A, you will find the casino’s customer care agents available 24/7. You can get in touch by using one of the following methods:
We generally recommend going for live chat as it’s quick, a bit impersonal, and ultimately very effective. Sometimes you may be required to call – or get a call – to make sure that everything is in order. If you think your issue can wait a few hours, then you can perhaps drop a line at [[email protected]](mailto:[email protected]) – this is a no rush customer care option that does the trick. >>Get Exclusive Welcome Bonus & Free Spins<<
Turbo Casino has a long way to go still and there is no mistaking that. However, the casino already displays the signs of a great online casino. In our own list of recommendations are things such as game variety, and perhaps a little more comprehensive bonus systems. In terms of mobile execution, the casino can use a slight update in speed, but overall the results are very satisfactory. Looking to have a mighty good t
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7 Melons Casino Overview
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Only available for the players residing in Switzerland
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To make 7 Melons Casino, a one-time gaming stop for all the players, this casino brand also presents live casino games for the players. These let the them play real-time with the players all around the world. Not only this, these live games are hosted by live dealers who add more to this fun. All you need to do is log in to your 7 Melons casino account and go to the live games tab. This will give you access to these live dealer games. So sign up at this casino site and head to its gaming lobby to fulfill all your gaming needs!
7 Melons Casino Software
The gaming fun that the players get to enjoy at an online casino site largely depends on its software. Thus it has been powered by some of the best gaming software brands like Netent and Microgaming. These together have not only ensured that the players get a flawless gaming experience with its user friendly graphics and superior quality audiovisual effects. But these have also made its gaming lobby full of the games that can make this casino site easy to fall in love with.
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7 Melons Casino Video Slot Games
Thanks to their popularity, slot games have permanently made their place in the hearts of the players and also in the gaming lobbies of all the reputed online casinos. 7 Melons Casino also acknowledges this and offers high-quality slot games for the players. Its gaming lobby is loaded with slot games that are going to be loved by the players. These include classic slots, 3 reels slots and the latest 5 reels. Some of these include Wild Scarabs and Immortal Slots, Thunderstruck II and Lucha Legends.
7 Melons Casino Table Games
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7 Melons Casino Bonuses and Promotions
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Though this casino site offers frequent bonuses to the players it also makes every day they play here a chance to win. Thus it presents its loyalty program which is very elaborate and full of chances to win. This makes sure that the players get to be a part of fun each time they log in here. With this, you will be awarded loyalty points for every real money you place. These can be redeemed for bonuses and also help you climb up the loyalty tiers. As you climb these up the levels, bonuses and the fun that you get to have at this casino site will only go on increasing!
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Speaking of games, Roku Casino has a lot to offer and should have something for every player’s taste. You can test out themed slots and progressive jackpots and, of course, different slots like classic slot games, video slots and 3D slots. Naturally, the casino provides the best slots developed by Evolution Gaming, Habanero or Play’n GO as well as other top game studios. As an addition, you are able to also try out live casino games, e.g. from Ezugi. To pay in at Roku Casino you can use a variety of different payment options. Crypto currencies like Litecoin and Bitcoin are accepted to initiate a deposit. Whereas e-wallets cannot be used to deposit, as an alternative the casino accepts credit cards like MasterCard and Visa. However, it should be said that the precise selection of payment methods varies from one location to another. Note: Not every deposit method might hold identical deposit limits. To find out the Roku Casino deposit limits, you have the option to look at the cashier section or contact the customer service.
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