Casino Rama Weekend Packages

"I think I've lived long enough to see competitive Counter-Strike as we know it, kill itself." Summary of Richard Lewis' stream (Long)

I want to preface that the contents of this post is for informational purposes. I do not condone or approve of any harassments or witch-hunting or the attacking of anybody.
 
Richard Lewis recently did a stream talking about the terrible state of CS esports and I thought it was an important stream anyone who cares about the CS community should listen to.
Vod Link here: https://www.twitch.tv/videos/830415547
I realize it is 3 hours long so I took it upon myself to create a list of interesting points from the stream so you don't have to listen to the whole thing, although I still encourage you to do so if you can.
I know this post is still long but probably easier to digest, especially in parts.
Here is a link to my raw notes if you for some reason want to read through this which includes some omitted stuff. It's in chronological order of things said in the stream and has some time stamps. https://pastebin.com/6QWTLr8T

Intro

CSPPA - Counter-Strike Professional Players' Association

"Who does this union really fucking serve?"

ESIC - Esports Integrity Commission

"They have been put in an impossible position."

Stream Sniping

"They're all at it in the online era, they're all at it, they're all cheating, they're all using exploits, probably that see through smoke bug got used a bunch of times"

Match Fixing

"How many years have we let our scene be fucking pillaged by these greedy cunts?" "We just let it happen."

North America

"Everyone in NA has left we've lost a continents worth of support during this pandemic and Valve haven't said a fucking word."

Talent

"TO's have treated CS talent like absolute human garbage for years now."

Valve

"Anything that Riot does, is better than Valve's inaction"

Closing Statements

"We've peaked. If we want to sustain and exist, now is the time to figure it out. No esports lasts as long as this, we've already done 8 years. We've already broke the records. We have got to figure out a way to coexist and drive the negative forces out and we need to do it as a collective and we're not doing that."

submitted by Tharnite to GlobalOffensive [link] [comments]

Stock Market News Today | APHA & TLRY Merge | APPLE Rises | Stimulus & FED Meeting Today [12-16]

What is the latest news in the stock market? Aphria is merging with Tilray while the stimulus may be agreed on today after the latest developments. Also, the FED starts its 2-day meeting, let’s talk about this and everything happening in the stock market
~Very Long Post~
Hello everyone and Good Morning! So, let’s start with the recap of yesterday as we see a great day for the stock market, the best in December actually, as a one-two punch of stimulus and vaccine data helped the rally, with the broad market SP500 finishing up 1.29%, the Nasdaq Composite 1.25% and the Dow Industrial 1.13%. We also saw the VIX dropping more than 7% from the recent highs, as it was nearing the 25 levels which would imply more volatility ahead for the stock market.
We saw ¾ of the companies gaining yesterday on decent volume, with 145 new highs, as all 11 sectors finished in the green, with Utilities and Energy leading the way up almost 2%, while just 2 sectors gained less than 1% for the day, the Communications sector and the consumer staples. This rally was pushed by almost every type of company, especially small and mid-caps, as large-caps lagged a bit and were pretty much flat for the day, with the exception of Apple as you can see in this HEAT MAP, as I said in a previous post, I believe that Apple is ready for takeoff after more and more reports of great numbers in the new iPhone 12 lineup sales, and with the Fitness+ service launching this Monday this keeps increasing the number of services that Apple offers. I believe that the Apple One bundle will be a great revenue stream for them alongside the move to the 5G in the next years.
So here is the economic calendar for today as we start off early in the morning with MBA mortgage applications, followed but retail sales, PMI, inventories and finish up with the last meeting and decisions from the FED in 2020.
We also received news that as soon as the FDA & CDC give approval, which could and probably will happen as soon as this weekend, Moderna will be able to ship over 6M doses right away, more than double what Pfizer delivered in the initial shipment.
This is happening while the stimulus appears closer than ever, but it should be noted that it does appear it will not include any stimulus checks for citizens. As the Congress seems to be targeting a $750B relief package. This is very needed as the savings, especially for low-income households, has been substantially on the declin since May, just like always, the rich get richer and the poor get poorer.
This measures from the Government have been unexpectedly just been called upon from Warren Buffett also, as he emphasized that small businesses have become collateral damage, though he previously said he wouldn’t speak in public about this until May, the degrading situation probably made him change his mind.
We will also have the FED starting its meetings today, and follow up tomorrow, with most analysts expecting the FED to lay out the plans for additional asset purchases to provide additional support for the economy. And even if this is a temporary measure, it would be great for the economy if they keep this program going until the vaccine is more widely available and the reopening can come back in full force.
Yesterday we also got numbers on the Industrial Production, which beat the consensus with a .4% increase M/M while capacity utilization also increased with the manufacturing output way better than expected. This was led especially by motor vehicle and parts sales which were up 5.3%.
So, with some good news in the last period, a recent survey showed that fewer respondents believe that stocks are overpriced or overvalued right now. I think this is a fair opinion, as we have gone through a period of consolidation since the beginning of November, stocks have become more stable, some have lost ground, some have gained. This is very healthy for the broad stock market and may eventually start a new bull run very soon.
On some other stock market news, we saw the whole green energy sector getting a big boost yesterday, as the US Congress seems to have agreed to a package of tax incentives and extensions for both wind and solar projects. Some of the biggest gainers yesterday were SunPower, Enphase, SolarEdge, with most of the companies from the INVESCO Solar ETF trading way higher. As we also saw PENN national gaining yesterday after giving great news again to investors, as they have acquired a new casino in Maryland as they keep expanding their nationwide footprint.
Meanwhile, we will get Lennar Q4 earnings today after the close, and I expect them to have a great quarter, but this hasn’t helped many companies this quarter, as even great earnings results haven’t pushed most companies to have big gains, I think Lennar will post a terrific quarter as a result of the continuing strong housing market as more and more people flee big cities attracted by better tax implications while they also run from the growing poverty in states like California.
Some good news also came from the Eurozone this morning, as the PMI popped up to 49.8 which is still a contraction for the economy, but that is an improving view of the economy overseas, up from 45.3 in November.
We also have to keep an eye on what ABNB and Doordash will do, as investors are starting to get the chance to short this highly valued IPOs. So, this might hit the stocks even more after they have suffered in the last days as I expected.
And one last bit of news, Aphria is merging with Tilray, they will become an almost $4B market cap cannabis player, as they seek to also move to the US and grow its market share in the country, as the full legalizing of cannabis in the US seems to be approaching. This will help both companies to be able to have low-cost, state of the art cultivations alongside improved processing and manufacturing facilities. This will also position them for a better footprint in the EU, with Aphria having a footprint in Germany, while Tilray has a low-cost production facility in Portugal.
I think the pot and clean energy sectors alongside the EVs are the ones to watch in the next years.
Let’s hope for another great day in the market as the FUTURES seem to be pointing at a good open, hopefully some green action continues after that.
Thank you everyone for reading! Hope you enjoyed the content! Be sure to leave a comment down below with your opinion on the stock market!
Have a great day and see you next time!
submitted by 0toHeroInvesting to stocks [link] [comments]

Huge destash! Some new items and lowered prices! Tarte x Aspyn, Glossier, Charlotte Tilbury, Fenty, Huda, Pat McGrath, Melt, Nudestix, Nars, Colourpop, Urban Decay, Nabla, Too Faced, RMS, Tom Ford, Benefit, Jouer, YSL, Ilia, Milk, KKW, KL Polish, & more! Come take a look 👀

Hi, I am selling new & lightly swatched or used items from a non-smoking home. If you want more pictures of specific items, let me know. Everything is full sized unless marked as ds.
Feel free to make reasonable offers especially for multiple items. $5.00 minimum purchase preferably. Shipping is $4.00 unless they are heavier items. I accept PayPal G&S (I cover fees). I will send tracking info as soon as I have it and will ship packages within 2-3 days.
If you would like some reviews from people I have sold to on previous posts, let me know.
If you change your mind, please let me know. I will move to next person in line after 2 hours. If you need more time than that, just let me know and we can work something out. Thank you for looking 😃
FOR SALE!!
EYESHADOW PALETTES: Verification
• Tarte Aspyn Ovard palette (Used a few times/endless summer has been repressed)- Limited edition, Asking $35
• Urban Decay Naked 2 palette (Only used 1x)-Retails for $54, Asking $20
• Dominique Cosmetics Berries & Cream palette (Used 5-6x)- Retails for $44, Asking $13
• (SOLD) Huda Beauty Desert Dusk palette (Only used 1x)- Retails for $65, Asking $21
• Too Faced Natural Love palette (Used 2-3x)- Retails for $59, Asking $18
• Kylie Cosmetics bronze palette (Only swatched)- Retails for $29.40, Asking $6
• (SOLD) Nars Atomic Blonde eye and cheek palette (Used/the 2 left shades are pressed togetheprice will reflect condition)- Retails for $59, Asking $15
• (SOLD) Nabla Cutie palette (Nude) (Used 2-3x)- Retails for $24, Asking $10
• Dose of Colors Marvelous Mauves palette (Only swatched)- Retails for $32, Asking $10
• Elf x Jkissa palette (first one) (All shades only swatched except bottom left blue shade is used 1x)- Cant find retail price because it’s limited edition, Asking $8
• Colourpop Give it to Me Straight palette (Some shades never used/some used 1x)- Retails for $18, Asking $7
• Colourpop Fem Rosa palette (Used 4-5x)- Retails for $16, Asking $7
• BH Cosmetics Weekend Festival palette (Used 2x)- Retails for $18, Asking $7
• BH Cosmetics Take Me Back to Brazil palette (Used 2x/some shades never used)- Retails for $20, Asking $8
• Milani Bold Obsessions eyeshadow palette (Used 1-2x)- Retails for $10.99, Asking $4
• Alamar Reina Del Caribe 1 palette (Used 5-6x)- I can’t find retail price because it’s limited edition, Asking $4
FACE PALETTES: Verification
• Benefit cheekleaders bronze (some shades only swatched/some used 1x)- Retails for $60, Asking $23
• Kevyn Aucoin contour book volume 3 (Used 2-3x)- Retails for $59, Asking $22
• Tom Ford Shade & Illuminate with box in shade 1 and Tom Ford bag the compact comes in (cream bronzer and highlighter) (Only swatched lightly)- Retails for $88, Asking $37
• Nars Exposed palette (Some shades only used 1x/some used 3-4x)- Retails for $59, Asking $22
• RMS Signature Set palette (Pop collection)(Comes with Buriti bronzer, Magic luminizer, Demure lip2cheek, Beloved lip2cheek, & Simply vanilla lip and skin balm) (Used 1x)- Retails for $44, Asking $14
• Jouer bronzer duo in Sunlight/Suntan (Used 1-2x)- Retails for $32, Asking $13
• Juvia’s The Saharan blush palette (2)- Retails for $18, Asking $7
HIGHLIGHTERS- Verification
• (SOLD) Benefit Tickle highlighter (swatched only)- Retails for $30, Asking $13
• (SOLD) YSL Lumiere Divine highlighting finishing powder- Retails for $47, Asking $12
• Perricone No Makeup highlighter (Used 5-6x)- Retails for $35, Asking $10
• Charlotte Tilbury highlighter wand in Spotlight (Used 3-4x/took sponge off of applicator because I thought it dispensed better)- Retails for $38, Asking $13
• Urban Decay highlighter in Sin (Used 4-5x)- Retails for $26, Asking $5
• Kaja Mochi Glow in Prizm (Used 1-2x)- Retails for $19, Asking $3
• Kaja Mochi Glow in Toy Alien (ds) (Used 1x)- Asking $2
• Ofra Pillowtalk highlighter (ds)(Only used 1x)- Retails for $18, Asking $4
• (SOLD) Becca Shimmering Skin Perfecter Slimlight in Pearl (Used 1x)- Asking $3
• Maybelline Master Strobing Stick in Medium (Swatched only)- Retails for $9.99, Asking $2
• Ulta Beauty Illuminator in Brilliant Diamond (Swatched only)- Retails for $10, Asking $2
• Wet n Wild rainbow highlighter in bronze over the rainbow- new still sealed- Asking $1
BLUSH: Verification
• Nudestix Nudies matte blush stick in Bareback (Used 3-4x)- Retails for $32, Asking $13
• Ilia multistick in A Fine Romance (Used 2-3x)- Retails for $34. Asking $13
• Stila convertible color cream blush in Peony (Swatched only)- Retails for $25, Asking $8
• Tarte Amazonian Clay blush in Paaarty (ds .05 oz)(Swatched only)- Asking $2
• Ulta mineral blush in Sweet Pea (Swatched only)- Retails for $12, Asking $2
• Stila aqua glow watercolor blush in shimmering lotus (Swatched only)- Retails for $3
• Milani baked blush in Delizioso Pink (Swatched only)- Retails for $9.49, Asking $2
• Milani baked blush in Bella Rosa (Swatched only)- Retails for $ 9.49, Asking for $2
• Elf blush in Shy (Used 2-3x)- Asking $.50
BRONZER\CONTOUR: Verification
• Milk Makeup bronzer stick in Baked (Used 1-2x)- Retails for $28, Asking $13
• Kylie Cosmetics bronzer in Khaki (Swatched only)-Retails for $18, Asking $6
• Bare Minerals Endless Summer bronzer in Faux Tan (Used 2x)- Retails for $29, Asking $11
• Benefit Hoola (ds) (Used 2x)- Asking $2
• NYX Micro Contour duo pencil in Light (Swatched only)- Asking $2
• Milani baked bronzer in 04 Glow (Swatched only)- Retails for $8.99, Asking $1
POWDERS: Verification
• (SOLD) KKW brightening powder in 1 (Vanilla) (Used a few times)- Retails for $18, Asking $9
• Laura Gellar Baked Balance N Brighten powder foundation in Porcelain (Used 10x)- Retails for $34, Asking $6
• JCat Aquasurance powder foundation in Ivory (Used 3-4x)- Retails for $13.99, Asking $3
• Urban Decay Velvetizer mix in medium (ds .14 oz)- (Can use as regular powder) (Used 1x)- Retails for $17, Asking $3
• Ilia Fade Into You soft focus finishing powder (ds .05 oz) (Used 1x)- Asking $2
• (SOLD) Rimmel Stay Matte pressed powder in Creamy Natural (Used 6x)- Retails for $4.69, Asking $1
FOUNDATIONS: Verification
• (SOLD) Fenty Pro Filt’r Matte longwear foundation in 120 (only used once)- Retails for $35, Asking $12
• Smashbox Studio Skin 15 hour wear foundation in .2 (Used 3-4x, bottle is about 7/8 full)- Retails for $38, Asking $12
• Laura Mercier Flawless Fusion Ultra-Longwear foundation in 1C1 Shell (Used a few times, bottle is almost full)- Retails for $48, Asking $13
• (SOLD) Laura Mercier tinted moisturizer in Porcelain (Used 2-3x, almost full)- Retails for $46, Asking $13
• Too Faced born this way foundation in sand (new in box, got sent wrong shade)- Asking $16
• RMS Uncover Up foundation/concealer pot in 000 (Used 5-6x, a little over 3/4 full)- Retails for $36, Asking $12
• (SOLD) Estée Lauder Double Wear foundation in 1C0 Shell (Used 2-3x)- Retails for $43, Asking $13
• Makeup Forever Ultra HD foundation stick in Y225 (About 40-45% remaining)- Retails for $43, Asking $7
• Makeup Forever Ultra HD foundation stick in Y225 (About 20% remaining)- Retails for $43, Asking $4
• It Cosmetics Bye Bye Redness Neutralizing Correcting cream (About half full)- Retails for $34, Asking $6
CONCEALERS- Verification
• Dose of Colors Meet Your Hue concealer in 01 (used a few times)- Retails for $24, Asking $8
• It Cosmetics Bye Bye Undereye full coverage concealer in Light (used a few times)- Retails for $27, Asking $8
PRIMERS- Verification
• First Aid Beauty Hello Fab coconut skin smoothie priming moisturizer- Retails for $29, Asking $11
• First Aid Beauty Hello Fab Pores Be Gone matte primer- Retails for $29, Asking $11
• Milk Makeup Hydrogrip gripping primer (ds) (used 1x, mostly full)- Retails for $15, Asking $5
• Laura Mercier radiance primer (ds .5 oz) (Used 1x, mostly full)- Asking $2
• (SOLD) Becca First Light priming filter (ds .5 oz) (Used 1-2x)- Asking $2
• Maybelline Master blur stick primer in universal transparent (Used 1-2x)- Retails for $7.99, Asking $1
EYES/BROWS/LASHES: Verification
• Pat McGrath Dark Matter pigment- Part of the dark star labs set which was $95, Asking $13
• Melt Cosmetics single eyeshadow in Rubbish (Swatched only)- Retails for $17, Asking $8
• Glossier Boy Brow in Blonde (Used 1x)- Retails for $16, Asking $7
• Nudestix Magnetic Luminous eye color stick in Copper Foil (swatched only)- Retails for $26, Asking $7
• Nudestix Magnetic eye color stick in Twilight (swatched only)- Retails for $26, Asking $7
• Nudestix Magnetic eye color in Lilith (used 1x lightly)- Retails for $26, Asking $7
• Nudestix Magnetic matte eye color stick in Putty (swatched only)- Retails for $26, Asking $7
• Nudestix Magnetic matte eye color stick in Taupe (used 1x lightly)- Retails for $26, Asking $7
• Tarte Chrome Paint shadow pot in Top Yacht (swatched only)- Retails for $22, Asking $7
• Nars Velvet Shadow Stick in Hollywoodland (used 2x)- Retails for $20, Asking $5
• Stila Glitter & Glow in Sunset Fire (ds) (new never used)- Came in set, Asking $3
• Stila Magnificent Metals foil finish eyeshadow in Metallic Gilded Gold (swatched lightly)(comes with box and mixing medium)- Can’t find retail because it’s discontinued, Asking $4
• Colourpop Zodiac loose pigment in The Crab (used 1-2x)- Retails for $6, Asking $2
• Colourpop single eyeshadow in Checkmate (comes in compact) (swatched only)- Retails for $4.50, Asking $2
• Colourpop SSS in Bandit (used 2x)- Retails for $6, Asking $1.00
• Colourpop SSS in Cornelious (Broken/price will reflect condition)- Retails for $6, Asking $.50
• Colourpop SSS in Brady (Broken/price will reflect condition)- Retails for $6, Asking $.50
• Colourpop pencil eyeliner in Mr. Bing (new)- Retails for $6, Asking $1.00
• Colourpop pencil eyeliner in Besto (used 5-6x)- Retails for $6, Asking $.50
• CoverGirl x Katy Perry Katy Kat Wink lashes in Kat Whiskers (New in box)- Asking $1.50
• Revlon brow mousse in Soft Brown (new)- Retails for $10.99, Asking $.75
• Revlon brow mousse in blonde (used 1x)- Retails for $10.99, Asking $.50
• Revlon Colorstay Bold creme eyeshadow in Cognac (swatched)- Retails for $8.49, Asking $.75
• Revlon Colorstay Bold creme eyeshadow in Merlot (swatched)- Retails for $8.49, Asking $.75
Lips: Verification
•Glossier generation g in jam- (older version) Never used, swatched 1x lightly on back of hand- Retails for $18, Asking $8
• Kylie Cosmetics lip kit in Koko K (no box) (new)- Retails for $27, Asking $10
• Nars Tonka lipstick (new with box but I just got it in the mail recently and it was broken on the bottom so it can fall out of tube and also the top is a little smashed so price will reflect condition)- Retails for $26, Asking $5
• Mac Lustre lipstick on See Sheer (More of a lip tint) (swatched 1x lightly on back of hand)- Retails for $19, Asking $7
• Mac cremesheen lipstick in Creme D’ Nude- never used, swatched 1x lightly on back of hand- Retails for $19, Asking $7
•Mac amplified lipstick in Saint Germain- never used, swatched 1x lightly on back of hand- Retails for $19, Asking $7
• Urban Decay cream lipstick in Wired- Retails for $22, Asking $7
• Rodin luxury lipstick in Dahlia- never used, lightly swatched once on back of hand- Retails for $38, Asking $9
• Nars Velvet Matte lip pencil in Do Me Baby (ds .06 oz)- Asking $3
• Ofra liquid lipstick in Nude Potion (new)- Retails for $20, Asking $5
• Ofra liquid lipstick in Verona (new)- Retails for $20, Asking $5 • • Kat Von D liquid lipstick in Crucifx (used 2-3x)- Retails for $21, Asking $3
• Kat Von D liquid lipstick in Hawkwind (new)- Retails for $21, Asking $4
• Dose of Colors liquid lipstick in Flirty (new)- Retails for $18, Asking $4
• Jeffrey Star liquid lipstick in Christmas Cookie (ds) Asking $3
• Colourpop lippie stix in Little Tings (swatched)- Retails for $7, Asking $2
• Maybelline shine lipstick in Baddest Beige (swatched)- Retails for $7.99, Asking $1.50
• Bite matte cream lip crayon in Glacé (ds) (swatched)- Asking $1
• Ella & Mila glossy liquid lipstick (New in box)- Retails for $14, Asking $1
•Loreal lipstick in Doutzen’s nude- Used 1x lightly, sanitized- Retails for $8.95, Asking $.50
•Covergirl x Katy Perry Katy kat matte lipstick in cosmo kitty- Used 1x lightly, sanitized- Asking $ $.50
• Nyx matte lipstick in pale pink (Used 2 times)- Retails for $6, Asking .50
NAIL POLISH: Verification
• (SOLD) KL Polish in Wishbone- Retails for $8.50, Asking $5
• (SOLD) KL Polish in Casino Night- Asking $5
• (SOLD) KL Polish in Winter is Coming- Asking $5
submitted by juliamera8 to makeupexchange [link] [comments]

HUGE DECLUTTER! Mostly everything is over 50% off! Charlotte Tilbury, Pat McGrath, Natasha Denona, Nars, Jouer, Tom Ford, Glossier, Fenty, YSL, RMS, Jouer, Huda, Urban Decay, Nudestix, Hourglass, Ilia, Nabla, Colourpop, KKW, KL Polish, & more! Come take a look 👀

Hi, I am selling new & lightly swatched or used items from a non-smoking home. If you want more pictures of specific items, let me know. Everything is full sized unless marked as ds.
Feel free to make reasonable offers especially for multiple items. $5.00 minimum purchase preferably. Shipping is $4.00 unless they are heavier items. I accept G&S (I cover fees). I will send tracking info as soon as I have it and will ship packages within 2-3 days.
If you would like some reviews from people I have sold to on previous posts, let me know.
If you change your mind, please let me know. I will move to next person in line after 2 hours. If you need more time than that, just let me know and we can work something out. Thank you for looking 😃
FOR SALE!!
(I have everything that has sold marked)
EYESHADOW PALETTES: Verification
• (SOLD)Charlotte Tilbury Exaggereyes palette (Only used 1 time/barely used)- Retails for $53, Asking $30
• (SOLD)Urban Decay Born to Run palette (Used 2-3x)- Retails for $49, Asking $15
• Urban Decay Naked 2 palette (Only used 1x)-Retails for $54, Asking $24
• Dominique Cosmetics Berries & Cream palette (Used 5-6x)- Retails for $44, Asking $15
• Huda Beauty Desert Dusk palette (Only used 1x)- Retails for $65, Asking $22
• (SOLD) Too Faced Natural Lust palette (Only swatches)- Retails for $59, Asking $22
• Too Faced Natural Love palette (Used 2-3x)- Retails for $59, Asking $20
• Kylie Cosmetics bronze palette (Only swatched)- Retails for $29.40, Asking $7
• Nars Atomic Blonde eye and cheek palette (Used/the 2 left shades are pressed togetheprice will reflect condition)- Retails for $59, Asking $18
• Nabla Cutie palette (Nude) (Used 2-3x)- Retails for $24, Asking $12
• Dose of Colors Marvelous Mauves palette (Only swatched)- Retails for $32, Asking $12
• (SOLD) Too Faced White Peach palette (Only used 1x)- Retails for $40.50, Asking $14
• Morphe 35I (pastel collaboration with pony park) (Swatched only some shades, some shades never used)- Retails for $25, Asking $12
• Elf x Jkissa palette (first one) (All shades only swatched except bottom left blue shade is used 1x)- Cant find retail price because it’s limited edition, Asking $10
• Colourpop Give it to Me Straight palette (Some shades never used/some used 1x)- Retails for $18, Asking $8
• Colourpop Fem Rosa palette (Used 4-5x)- Retails for $16, Asking $8
• (SOLD) Colourpop Mint to Be palette (Most shades are new/couple have been swatched only)- Retails for $12, Asking $6
• BH Cosmetics Weekend Festival palette (Used 2x)- Retails for $18, Asking $8
• BH Cosmetics Take Me Back to Brazil palette (Used 2x/some shades never used)- Retails for $20, Asking $9
• Milani Bold Obsessions eyeshadow palette (Used 1-2x)- Retails for $10.99, Asking $5
• Alamar Reina Del Caribe 1 palette (Used 5-6x)- I can’t find retail price because it’s limited edition, Asking $5
FACE PALETTES: Verification
• Tom Ford Shade & Illuminate with box and Tom Ford bag the compact comes in (cream bronzer and highlighter) (Only swatched lightly)- Retails for $88, Asking $40
• (SOLD) Dior Backstage Glow face palette in 001 Universal- (Swatched only)- Retails for $45, Asking $24
• (SOLD) Charlotte Tilbury Filmstar Bronze and glow (Used 12-15x)- Retails for $68, Asking $24
• (SOLD) Natasha Denona Bloom blush and glow palette (Swatched only)- Retails for $55, Asking $25
• Nars Exposed palette (Some shades only used 1x/some used 3-4x)- Retails for $59, Asking $25
• RMS Signature Set palette (Pop collection)(Comes with Buriti bronzer, Magic luminizer, Demure lip2cheek, Beloved lip2cheek, & Simply vanilla lip and skin balm) (Used 1x)- Retails for $44, Asking $15
• Jouer bronzer duo in Sunlight/Suntan (Used 1-2x)- Retails for $32, Asking $14
• Jouer blush bouquet duo in Coquette (Used 3-4x)- Retails for $32, Asking $14
• Juvia’s The Saharan blush palette (2)- Retails for $18, Asking $8
• Too Faced Cocoa Contour palette (older one) (Bottom right shade never used/contour shades used 2-3x/top left shade used 5-6x)- Retails for $42, Asking $10
• Anastasia Beverly Hills cream contour kit in fair- (Used 4-5x)- Retails for $40, Asking $5
HIGHLIGHTERS: https://imgur.com/a/OXe5NUS
• (SOLD) Mac x Pony Park Extra Dimension Skinfinish in Sky’s The Limit (Used 2x lightly)- Limited edition $35
• (SOLD) Glossier Haloscope highlighter in Quartz (Used 2x)- Retails for $22, Asking $9
• (SOLD) Glossier Haloscope in Moonstone (Used 3x)- Retails for $22, Asking $9
• Fenty Killawatt highlighter duo in Lightning Dust/Fire Crystal (Used 5-6x)- Retails for $36, Asking $16
• Fenty Killawatt Freestyle highlighter in Wattabrat (Only swatched)- Retails for $36, Asking $16
• YSL Lumiere Divine highlighting finishing powder- Retails for $47, Asking $14
• Perricone No Makeup highlighter (Used 5-6x)- Retails for $35, Asking $14
• Charlotte Tilbury highlighter wand in Spotlight (Used 3-4x/took sponge off of applicator because I thought it dispensed better)- Retails for $38, Asking $14
• Urban Decay highlighter in Sin (Used 4-5x)- Retails for $26, Asking $6
• Kaja Roller Glow highlighter with clean roller in packaging (Used 1x lightly)- Retails for $28, Asking $8
• Kaja Mochi Glow in Prizm (Used 1-2x)- Retails for $19, Asking $4
• Kaja Mochi Glow in Toy Alien (ds) (Used 1x)- Asking $2
• Ofra Pillowtalk highlighter (ds)(Only used 1x)- Retails for $18, Asking $5
• Hourglass Vanish highlighter in Champagne Flash (ds .05 oz) (Only swatched)- Asking $2
• Nudestix Illuminaughty highlighter stick (ds .06 oz) (Only swatched)- Asking $2
• Nudestix Skin Glossing Pencil (Only swatched)- Retails for $26, Asking $5
• Becca Shimmering Skin Perfecter Slimlight in Pearl (Used 1x)- Asking $3
• Laura Gellar Baled Gelato Swirl Illuminator in Diamond Dust (ds)(Used 1-2x)- Asking $3
• (SOLD) Pixi Glowy Gossamer duo in Delicate Dew (Used 1x)- Retails for $15, Asking $3
• Make face gloss (New)- Retails for $25, Asking $5
• Maybelline Master Strobing Stick in Medium (Swatched only)- Retails for $9.99, Asking $2
• Ulta Beauty Illuminator in Brilliant Diamond (Swatched only)- Retails for $10, Asking $2
• (SOLD) Benefit Dandelion Shy Beam (ds .08 oz)(New)- Asking $1
BLUSH: Verification
• (SOLD) Glossier Cloud Paint in Dusk (Used 1-2x)- Retails for $18, Asking $9
• (SOLD) Glossier Cloud Paint in Beam (Used 1-2x)- Retails for $18, Asking $9
• (SOLD) Buxom Wanderlust primer infused blush in Mykonos (Used 3x)- Retails for $23, Asking $10
• Nudestix Nudies matte blush stick in Bareback (Used 3-4x)- Retails for $32, Asking $15
• Ilia multistick in A Fine Romance (Used 2-3x)- Retails for $34. Asking $15
• Stila convertible color cream blush in Peony (Swatched only)- Retails for $25, Asking $9
• Tarte Amazonian Clay blush in Paaarty (ds .05 oz)(Swatched only)- Asking $3
• Benefit Dandelion Dew (ds .16 oz)(New)- Asking $2
• Ulta mineral blush in Sweet Pea (Swatched only)- Retails for $12, Asking $3
• Stila aqua glow watercolor blush in shimmering lotus (Swatched only)- Retails for $4
• Milani baked blush in Delizioso Pink (Swatched only)- Retails for $9.49, Asking $2
• Milani baked blush in Bella Rosa (Swatched only)- Retails for $ 9.49, Asking for $2
• Elf blush in Shy (Used 2-3x)- Asking $.50
BRONZER\CONTOUR: Verification
• (SOLD) Cover Fx Monochromatic bronzer duo in Sunkissed- Retails for $38, Asking $15
• Milk Makeup bronzer stick in Baked (Used 1-2x)- Retails for $28, Asking $14
• Kylie Cosmetics bronzer in Khaki (Swatched only)-Retails for $18, Asking $7
• Bare Minerals Endless Summer bronzer in Faux Tan (Used 2x)- Retails for $29, Asking $13
• Fenty bronzer in Shady Biz (ds) (Swatched only)-Asking $4
• Benefit Hoola (ds) (Used 2x)- Asking $2
• Make dew pot in Bronze 2 (Used 4x)- Retails for $20, Asking $3
• NYX Micro Contour duo pencil in Light (Swatched only)- Asking $2
• Milani baked bronzer in 04 Glow (Swatched only)- Retails for $8.99, Asking $1
POWDERS: Verification
• Fenty Invisimatte blotting powder (Used 1x)- Retails for $32, Asking $14
• KKW brightening powder in 1 (Vanilla) (Used a few times)- Retails for $18, Asking $10
• (SOLD) Jaclyn Hill Cosmetics Mood Light luminous powder in Dew Me- (Swatched only)- Retails for $32, Asking $15
• Laura Gellar Baked Balance N Brighten powder foundation in Porcelain (Used 10x)- Retails for $34, Asking $7
• JCat Aquasurance powder foundation in Ivory (Used 3-4x)- Retails for $13.99, Asking $4
• Urban Decay Velvetizer mix in medium (ds .14 oz)- (Can use as regular powder) (Used 1x)- Retails for $17, Asking $4
• Ilia Fade Into You soft focus finishing powder (ds .05 oz) (Used 1x)- Asking $3
• Ilia Fade Into You soft focus finishing powder (ds .05 oz)- (Used 1x)- Asking $2
• Rimmel Stay Matte pressed powder in Creamy Natural (Used 6x)- Retails for $4.69, Asking $1
• Milani Prep, Set, Glow illuminating transparent pressed powder (Hourglass finishing powder dupe) (Used condition)- Retails for $9.99, Asking $1
FOUNDATIONS: Verification
• Fenty Pro Filt’r Matte longwear foundation in 120 (only used once)- Retails for $35, Asking $15
• Smashbox Studio Skin 15 hour wear foundation in .2 (Used 3-4x, bottle is about 7/8 full)- Retails for $38, Asking $13
• Laura Mercier Flawless Fusion Ultra-Longwear foundation in 1C1 Shell (Used a few times, bottle is almost full)- Retails for $48, Asking $15
• Laura Mercier tinted moisturizer in Porcelain (Used 2-3x, almost full)- Retails for $46, Asking $15
• Laura Mercier tinted moisturizer in Nude (ds .5 oz) (Used 1x)- Asking $2
• RMS Uncover Up foundation/concealer pot in 000 (Used 5-6x, a little over 3/4 full)- Retails for $36, Asking $14
• It Cosmetics YSBB full coverage CC Cream in Fair (a little over half full)- Retails for $39.50, Asking $9
• (SOLD) Estée Lauder Double Wear foundation in 1C0 Shell (Used 2-3x)- Retails for $43, Asking $15
• Makeup Forever Ultra HD foundation stick in Y225 (About 40-45% remaining)- Retails for $43, Asking $7
• Makeup Forever Ultra HD foundation stick in Y225 (About 20% remaining)- Retails for $43, Asking $4
• It Cosmetics Bye Bye Redness Neutralizing Correcting cream (About half full)- Retails for $34, Asking $7
• Loreal Infallible Total Cover foundation in 301 Classic Ivory (40-50% full)- Retails for $12.99, Asking $1
• Maybelline Superstay foundation in 112 (Only used once but the pump is stuck so it is hard to get foundation out without opening bottle/price will be lower because of this) (Used 1-2x)- Retails for $11.99, Asking $2
CONCEALERS: Verification
• Glossier Stretch concealer in G11 (about 7/8 full)- Retails for $18, Asking $9
• Dose of Colors Meet Your Hue concealer in 01 (used a few times)- Retails for $24, Asking $8
• It Cosmetics Bye Bye Undereye full coverage concealer in Light (used a few times)- Retails for $27, Asking $12
PRIMERS: Verification
• First Aid Beauty Hello Fab coconut skin smoothie priming moisturizer- Retails for $29, Asking $13
• First Aid Beauty Hello Fab Pores Be Gone matte primer- Retails for $29, Asking $13
• Milk Makeup Hydrogrip gripping primer (ds) (used 1x, mostly full)- Retails for $15, Asking $5
• Laura Mercier radiance primer (ds .5 oz) (Used 1x, mostly full)- Asking $2
• Becca First Light priming filter (ds .5 oz) (Used 1-2x)- Asking $2
• Maybelline Master blur stick primer in universal transparent (Used 1-2x)- Retails for $7.99, Asking $1.50
EYES/BROWS/LASHES: Verification
• Pat McGrath Dark Matter pigment- Part of the dark star labs set which was $95, Asking $15
• Huda Beauty Matte & Metal double ended liquid eyeshadows in Wednesday and Fro-yo- Retails for $25, Asking $15
• Melt Cosmetics single eyeshadow in Rubbish (Swatched only)- Retails for $17, Asking $9
• Glossier Boy Brow in Blonde (Used 1x)- Retails for $16, Asking $8
• Nudestix Magnetic Luminous eye color stick in Copper Foil (swatched only)- Retails for $26, Asking $8
• Nudestix Magnetic eye color stick in Twilight (swatched only)- Retails for $26, Asking $8
• Nudestix Magnetic eye color in Lilith (used 1x lightly)- Retails for $26, Asking $8
• Nudestix Magnetic matte eye color stick in Putty (swatched only)- Retails for $26, Asking $8
• Nudestix Magnetic matte eye color stick in Taupe (used 1x lightly)- Retails for $26, Asking $8
• (SOLD) Nudestix Nude Artist tin box- Asking $2
• Tarte Chrome Paint shadow pot in Top Yacht (swatched only)- Retails for $22, Asking $8
• Nars Velvet Shadow Stick in Hollywoodland (used 2x)- Retails for $20.30, Asking $6
• Stila Glitter & Glow in Perlina (ds) (used 1x)- Retails for $12, Asking $3
• Stila Glitter & Glow in Sunset Fire (ds) (new never used)- Came in set, Asking $3
• Stila Magnificent Metals foil finish eyeshadow in Metallic Gilded Gold (swatched lightly)(comes with box and mixing medium)- Can’t find retail because it’s discontinued, Asking $4
• Colourpop Zodiac loose pigment in The Crab (used 1-2x)- Retails for $6, Asking $3
• Colourpop single eyeshadow in Checkmate (comes in compact) (swatched only)- Retails for $4.50, Asking $2
• Colourpop SSS in Bandit (used 2x)- Retails for $6, Asking $1.00
• Colourpop SSS in Cornelious (Broken/price will reflect condition)- Retails for $6, Asking $.50
• Colourpop SSS in Brady (Broken/price will reflect condition)- Retails for $6, Asking $.50
• Colourpop pencil eyeliner in Mr. Bing (new)- Retails for $6, Asking $1.00
• Colourpop pencil eyeliner in Besto (used 5-6x)- Retails for $6, Asking $.50
• The Balm Batter Up eyeshadow stick in Outfield (used 1-2x)- Retails for $17, Asking $2
• The Balm Batter Up eyeshadow stick in Slugger (used 1-2x)- Retails for $17, Asking $2
• CoverGirl x Katy Perry Katy Kat Wink lashes in Kat Whiskers (New in box)- Asking $1.50
• Revlon brow mousse in Soft Brown (new)- Retails for $10.99, Asking $.75
• Revlon brow mousse in blonde (used 1x)- Retails for $10.99, Asking $.50
• Revlon Colorstay Bold creme eyeshadow in Cognac (swatched)- Retails for $8.49, Asking $.75
• Revlon Colorstay Bold creme eyeshadow in Merlot (swatched)- Retails for $8.49, Asking $.75
Lips: Verification
•Glossier generation g in jam- (older version) Never used, swatched 1x lightly on back of hand- Retails for $18, Asking $8
• Kylie Cosmetics lip kit in Koko K (no box) (new)- Retails for $27, Asking $12
• Nars Tonka lipstick (new with box but I just got it in the mail recently and it was broken on the bottom so it can fall out of tube and also the top is a little smashed so price will reflect condition)- Retails for $26, Asking $5
• Mac Lustre lipstick on See Sheer (More of a lip tint) (swatched 1x lightly on back of hand)- Retails for $19, Asking $8
•Mac cremesheen lipstick in Creme D’ Nude- never used, swatched 1x lightly on back of hand- Retails for $19, Asking $8
•?Mac amplified lipstick in Saint Germain- never used, swatched 1x lightly on back of hand- Retails for $19, Asking $8
• Urban Decay cream lipstick in Wired- Retails for $22, Asking $8
• Rodin luxury lipstick in Dahlia- never used, lightly swatched once on back of hand- Retails for $38, Asking $10
• Benefit Benetint (new)- Retails for $30, Asking $8
• (SOLD) Benefit Double the Lip lipstick & liner in one in Lusty Rose (swatched lightly on back of hand)- Retails for $20, Asking $4
• (SOLD) Benefit Double the Lip lipstick & liner in one in Nude Scandal (swatched lightly on back of hand)- Retails for $20, Asking $4
• Nars Velvet Matte lip pencil in Do Me Baby (ds .06 oz)- Asking $3
• Ofra liquid lipstick in Nude Potion (new)- Retails for $20, Asking $
• Ofra liquid lipstick in Verona (new)- Retails for $20, Asking $ • • Kat Von D liquid lipstick in Crucifx (used 2-3x)- Retails for $21, Asking $3
• Kat Von D liquid lipstick in Hawkwind (new)- Retails for $21, Asking $4
• Dose of Colors liquid lipstick in Flirty (new)- Retails for $18, Asking $
• Jeffrey Star liquid lipstick in Christmas Cookie (ds) Asking $3
• (SOLD) Fresh Sugar Poppy tinted lip treatment (ds .07 oz)- Asking $2
• Lipstick Queen lipstick in Medieval (ds .05 oz)- Asking $2
• Colourpop lippie stix in Little Tings (swatched)- Retails for $7, Asking $2
• Colourpop Ultra Metallic lip in Varsity Blues (used 1x)- Retails for $7, Asking $1.50
• Inc.redible rollerball glows in Choose Your Happy (new)- Retails for $10, Asking $1.50
• Maybelline shine lipstick in Baddest Beige (swatched)- Retails for $7.99, Asking $1.50
• Bite matte cream lip crayon in Glacé (ds) (swatched)- Asking $1
• Ella & Mila glossy liquid lipstick (New in box)- Retails for $14, Asking $1
• Nyx butter gloss in Sunday Mimosa (Used 1x)- Retails for $5, Asking $.50
•Loreal lipstick in Doutzen’s nude- Used 1x lightly, sanitized- Retails for $8.95, Asking $.50
•Covergirl x Katy Perry Katy kat matte lipstick in cosmo kitty- Used 1x lightly, sanitized- Asking $ $.50
• Nyx matte lipstick in pale pink (Used 2 times)- Retails for $6, Asking .50
BRUSH SET: Verification
• (SOLD) Set of brushes- Morphe M153, BH Cosmetics #1 pink brush from set, 2 Sonia Kashuk mini eye brushes, 2 Coastal Scent brushes, Mr Handyman brush, 1 Motd concealer brush, 2 AOA oval brushes, 2 random brushes- Asking $6
NAIL POLISH: Verification
• KL Polish in Wishbone- Retails for $8.50, Asking $6
• KL Polish in Casino Night- Asking $6
• (SOLD) KL Polish in Gemini- Asking $6
• KL Polish in Winter is Coming- Asking $6
SKIN: Verification
• (SOLD) Make succulent gel (a little over half left)- Retails for $25, Asking $4
• (SOLD) The Ordinary Caffeine Solution (new)- Retails for $6.70, Asking $3
• (SOLD)Nip Fab Dragons Blood Plumping serum (1 oz) (used 1x)- Asking $2
• (SOLD) Kate Somerville Wrinkle Warrior 2 in 1 plumping moisturizer and serum (ds .25 oz) (new)- Asking $1
• (SOLD) Earth to Skin super fruits blueberry exfoliating cleanser (1oz) (new)- Asking $.50
• (SOLD) Earth to Skin super fruits citrus day gel cream (.5 oz) (used 1x)- Asking $.50
• (SOLD) Proactive Green Tea moisturizer (ds .33 oz) (used 1-2x)- Asking $.50
submitted by juliamera8 to makeupexchange [link] [comments]

Stock Market News Today | APHA & TLRY Merge | APPLE Rises | Stimulus & FED Meeting Today [12-16]

What is the latest news in the stock market? Aphria is merging with Tilray while the stimulus may be agreed on today after the latest developments. Also, the FED starts its 2-day meeting, let’s talk about this and everything happening in the stock market
~Very Long Post~
Hello everyone and Good Morning! So, let’s start with the recap of yesterday as we see a great day for the stock market, the best in December actually, as a one-two punch of stimulus and vaccine data helped the rally, with the broad market SP500 finishing up 1.29%, the Nasdaq Composite 1.25% and the Dow Industrial 1.13%. We also saw the VIX dropping more than 7% from the recent highs, as it was nearing the 25 levels which would imply more volatility ahead for the stock market.
We saw ¾ of the companies gaining yesterday on decent volume, with 145 new highs, as all 11 sectors finished in the green, with Utilities and Energy leading the way up almost 2%, while just 2 sectors gained less than 1% for the day, the Communications sector and the consumer staples. This rally was pushed by almost every type of company, especially small and mid-caps, as large-caps lagged a bit and were pretty much flat for the day, with the exception of Apple as you can see in this HEAT MAP, as I said in a previous post, I believe that Apple is ready for takeoff after more and more reports of great numbers in the new iPhone 12 lineup sales, and with the Fitness+ service launching this Monday this keeps increasing the number of services that Apple offers. I believe that the Apple One bundle will be a great revenue stream for them alongside the move to the 5G in the next years.
So here is the economic calendar for today as we start off early in the morning with MBA mortgage applications, followed but retail sales, PMI, inventories and finish up with the last meeting and decisions from the FED in 2020.
We also received news that as soon as the FDA & CDC give approval, which could and probably will happen as soon as this weekend, Moderna will be able to ship over 6M doses right away, more than double what Pfizer delivered in the initial shipment.
This is happening while the stimulus appears closer than ever, but it should be noted that it does appear it will not include any stimulus checks for citizens. As the Congress seems to be targeting a $750B relief package. This is very needed as the savings, especially for low-income households, has been substantially on the declin since May, just like always, the rich get richer and the poor get poorer.
This measures from the Government have been unexpectedly just been called upon from Warren Buffett also, as he emphasized that small businesses have become collateral damage, though he previously said he wouldn’t speak in public about this until May, the degrading situation probably made him change his mind.
We will also have the FED starting its meetings today, and follow up tomorrow, with most analysts expecting the FED to lay out the plans for additional asset purchases to provide additional support for the economy. And even if this is a temporary measure, it would be great for the economy if they keep this program going until the vaccine is more widely available and the reopening can come back in full force.
Yesterday we also got numbers on the Industrial Production, which beat the consensus with a .4% increase M/M while capacity utilization also increased with the manufacturing output way better than expected. This was led especially by motor vehicle and parts sales which were up 5.3%.
So, with some good news in the last period, a recent survey showed that fewer respondents believe that stocks are overpriced or overvalued right now. I think this is a fair opinion, as we have gone through a period of consolidation since the beginning of November, stocks have become more stable, some have lost ground, some have gained. This is very healthy for the broad stock market and may eventually start a new bull run very soon.
On some other stock market news, we saw the whole green energy sector getting a big boost yesterday, as the US Congress seems to have agreed to a package of tax incentives and extensions for both wind and solar projects. Some of the biggest gainers yesterday were SunPower, Enphase, SolarEdge, with most of the companies from the INVESCO Solar ETF trading way higher. As we also saw PENN national gaining yesterday after giving great news again to investors, as they have acquired a new casino in Maryland as they keep expanding their nationwide footprint.
Meanwhile, we will get Lennar Q4 earnings today after the close, and I expect them to have a great quarter, but this hasn’t helped many companies this quarter, as even great earnings results haven’t pushed most companies to have big gains, I think Lennar will post a terrific quarter as a result of the continuing strong housing market as more and more people flee big cities attracted by better tax implications while they also run from the growing poverty in states like California.
Some good news also came from the Eurozone this morning, as the PMI popped up to 49.8 which is still a contraction for the economy, but that is an improving view of the economy overseas, up from 45.3 in November.
We also have to keep an eye on what ABNB and Doordash will do, as investors are starting to get the chance to short this highly valued IPOs. So, this might hit the stocks even more after they have suffered in the last days as I expected.
And one last bit of news, Aphria is merging with Tilray, they will become an almost $4B market cap cannabis player, as they seek to also move to the US and grow its market share in the country, as the full legalizing of cannabis in the US seems to be approaching. This will help both companies to be able to have low-cost, state of the art cultivations alongside improved processing and manufacturing facilities. This will also position them for a better footprint in the EU, with Aphria having a footprint in Germany, while Tilray has a low-cost production facility in Portugal.
I think the pot and clean energy sectors alongside the EVs are the ones to watch in the next years.
Let’s hope for another great day in the market as the FUTURES seem to be pointing at a good open, hopefully some green action continues after that.
Thank you everyone for reading! Hope you enjoyed the content! Be sure to leave a comment down below with your opinion on the stock market!
Have a great day and see you next time!
submitted by 0toHeroInvesting to wallstreetbets [link] [comments]

I am 36 years old, make $66,900, live in Portland OR and work as a Data Coordinator.

Section Zero: Background
Hello all, happy hoildays! I stumbled upon this subreddit not long ago and have enjoyed the commentary and experiences everyone's shared. Wanted to add another perspective from a mid-30s first-gen American. I've had some missteps regarding careers and finances, but I feel like I'm in a slightly better place now. I tried YNAB in the past but I wasn't consistent enough with it. These days I use Mint to monitor my finances and have a "Finance Friday" each month to review all my accounts and spending. I currently live with my partner TJ and his dog RR. We do not combine finances, but he has been unemployed since March. I have helped him with some bills and basic necessities here and there until he finds his next job or career.
My current financial goals are to just maintain a status quo and not get any debt until pandemic times are over. Then I will focus on a house remodeling fund and savings for taking care of my parents.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? My parents taught us about money from a frugal perspective. They are immigrants who worked in food service/factories. There was always this “save save save” mentality. Even when they started their own small business, we saved like there was no tomorrow. In high school, my calculus teacher bought us all “The Millionaire Next Door” book and had us read it as an assignment - that was my first structured introduction to finances.
Did you worry about money growing up? No, there was always food on the table and a roof over our heads. I knew that our extended family would support us if needed.
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Yes. My dad didn’t finish the high school-equivalent in their country, while my mom did finish high school, but no college. My older and younger siblings took a different path in life after high school. I am the first and only in my family to graduate from college. My parents covered all tuition for my two bachelor degrees with the agreement that I support them fully during their retirement and send them gifts/extra money whenever I can. I feel very lucky and privileged that they were able to provide that education for me.
At what age did you become financially responsible for yourself and do you have a financial safety net? 24 when I went on a work holiday abroad. My family was always available to help when needed, but the experience abroad helped me stand on my own feet. As an adult, I also inherited that “save” mentality and put a lot of my earnings towards savings. I didn’t date until my 30s, lived frugally, didn’t go out to eat/hangout with people, shopped thrift stores, and had very few hobbies. I am starting to “live a little” now though.
Do you or have you ever received passive or inherited income? Aside from the tuition, my parents have helped with a down payment for my first house and living costs during periods of unemployment.

Section One: Assets and Debt
Retirement Balance
If the place I was working at offered a 401k, I would always contribute up to the company match. I started my IRA in my mid-20s and would try to contribute the yearly max. I've stopped that the past 2-3 years though. My Other Brokerage is some play money, but I got tired of staring it and switched to index funds. I haven't contributed anything to it in a few years.
Equity if you're a homeowner
Purchased my first home for $382,000 with 20% down, right before lockdown earlier this year. Perfect timing, right?? I plan to live here until my retirement. My parents contributed $15k while I used most of my savings for the rest.
Savings account balance: $3,073
Checking account balance: $7,800
Credit card debt: I charge everything on my credit card for the points, then pay it off each month using my checking account balance.
Student loan debt: Traditionally no student loan debt as mentioned in Section Zero.

Section Two: Income
Income Progression (listed as gross income with cost of living area):
High School
College and first “career” job
Mental health break
College (again) and second “career” job
Third “career” jobs

Main Job Monthly Take Home:
Monthly Net (paid bi-weekly): $2,758
Deductions:
Side Gig Monthly Take Home:
No side gigs at the moment, but I am thinking of signing up on Upwork.com and doing Excel/data entry projects to help pay the mortgage.
Other Income: TJ’s friend will be staying with us for a month in January, who will pay rent of $800 including utilities. Depending on how that goes, we may take on a roommate in the spare bedroom long-term.

Section Three: Expenses
Mortgage - when I bought the house, the plan was that I would charge TJ a portion of the mortgage costs as “rent”, but since his unemployment I am now covering it all myself.
Regular Monthly Payment: $1677.57
HOA: $30/year
Retirement contribution: Nothing additional than what's been mentioned.
Savings contribution: I used to do $50-100/month, but since COVID I’ve stopped contributing to my savings account.
Investment contribution: None at this time.
Debt payments: $100/month towards TJ's credit card balance of $2,307.
Donations: $10-20/month, usually towards Omaze or Planned Parenthood.
Utilities:
Cellphone: On my parents plan.
Subscriptions:
Gym membership: Pre-COVID I did Orangetheory for a year. I started to pick up free exercise equipment from Craigslist this year, so we have a small garage gym now and utilize YouTube exercise videos instead.
Pet expenses: $10/month. TJ has stockpiled some Costco canned dog food before unemployment, but once that runs out I will likely cover the costs. We also started to make homemade dog food to help supplement.
Car insurance: $460 every 6 months. Car is paid off.
Regular therapy: I will start in the new year. Not sure what the costs are yet, but I will use my HSA to pay.
Vitamins/Medications: $20/month
Groceries & household items: $75/month
Miscellaneous (eating out, house purchases, gifts, etc): $100/month

Section Four: Money Diary
Monday
6:30am Neighbor starts up their truck. We joke that it's our natural alarm clock. They idle for about 15 minutes before heading off. I go back to bed.
9am My real alarm goes off. I put the electric kettle on for some morning tea. While it's boiling, I do my morning routine: drink glass of water, take synthroid, use bathroom, brush teeth, quick shower. I then make tea - Jasmine Pearl English Breakfast with dark forest mix. I started ordering loose leaf tea in large amounts back in March instead of small bags or single serving packets. Seems more economical since I drink it daily. I let the dog out into the backyard so he can do his morning routine.
9:30am I go through my daily tasks for work. They entail checking processes and reports to make sure they ran successfully overnight. I then answer some emails and catch-up on Slack channels.
12pm Lunch is leftover roast chicken and quinoa from Saturday. I heat it up in the instant pot. Love that thing! Almost every meal of ours involves the instant pot. We hardly use the stovetop. We then walk the dog to the business park across from our neighborhood. There's a very short trail that runs along a drainage creek by the business park. It's quite muddy, but has a nice woodsy feeling. Over the summer, we saw sumac trees there as well. Free sumac spice!
1:30pm Department meeting on Zoom. Our director announces his resignation on the call. Everyone is shocked! Layoffs were announced for next year but this was not a part of it. I think it's a good move for him and he doesn't have to have this worry of layoffs over his head.
3pm I meet with an engineer from another team and talk about a data source they are in charge of. He helps me out in understanding it and we identify most of the fields that I need for a project I’m starting.
5:30pm I check in with my partner. He's been watching LinkedIn tutorials on internal recruiting, job coaching and general computeoffice skills. It's a career change that he wants to make - something where he can talk to and help people. He doesn't have a bachelor's, only an associates, and hopes these tutorials will get him a leg up in the job search. I sent him some entry level HR admin roles the other day and remind him to apply. I then heat up leftovers: homemade chana masala and rice. I add some butter and coconut milk to thin it out, so there's enough for both of us.
10:30pm I take some magnesium, vitamin D and Airborne. I say goodnight to the dog who sleeps in the office. Then I say goodnight to TJ. He sleeps in the spare bedroom on weeknights due to his snoring keeping me up. I'm a light sleeper while he is a pretty deep sleeper.
Daily total: $0
Tuesday
9am I check Reddit Secret Santa. My match seems like a really good person. Not sure what to get, but most likely will purchase something off their wishlist. I wish I was more creative with my gift giving.
11am Meeting with business stakeholder. She submitted a few changes to an existing data process about a month ago. I make the change while on the call and have her test. Success! Marking it off the todo list. I love when we can finish things directly on a call.
12:30pm I come out of my office to make lunch. I notice my partner is not home. I check my messages and see that he's stepped out to pick up a few things. I ask for celery, carrots, and kombucha. $17. I make a quick charcuterie board for lunch: Costco salami, cheese, homemade hummus and Triscuits. It's a simple, fast meal that’s always in our rotation.
2pm My partner is back and we take the dog out for a walk and quick round of disc golf at a nearby park. We mask up and play only a few holes. Disc golf is a pretty frugal activity, you only need 2-3 discs to get started. TJ remarks that my throws are getting better, but then again they weren't great to start with. We talk about Christmas/Birthday gifts on the way back home since he was born on New Years Day. He mentioned snowshoeing but asked to not spend that much. I'll do some research!
5pm I think about personal career projects. Should I put up a portfolio of projects somewhere? I decide to try and pull some Yelp data. There’s not a lot of data points that I was interested in. Regardless, I tinker with it for an hour. TJ asks if I'm hungry. I said not so much, but felt thirsty. Maybe some ginger soup tonight?
7:30pm Dinner is served - ginger carrot soup made in the instant pot. We eat some rice crackers with it. Lately I feel like we've been eating more vegetarian dinners. It definitely helps stretch our food budget. We end the evening by finishing Fargo season 3 on Hulu.
Daily total: $17
Wednesday
1:30am I'm woken up by the dog. He's been sneezing a lot and wheezes at random intervals. TJ doesn't have the money for a vet visit but I've offered to pay as long as he calls to make the appointment. I give the dog some coconut oil, rub his belly until he seems better and go back to bed.
7am Garbage day. We usually put it out the night before but I forgot. I get up to go, but TJ handles it. I think, at least. I'm too sleepy to pay attention and go back to bed.
9am I wake up and rinse some dishes that have piled up and put them into the dishwasher. We both grew up in households that had a home dishwasher, but forbade from using it. It was drilled into us that hand washing saves more water, unless you had a restaurant/industrial dishwasher. I think with modern home dishwashers, that's changed, so I wanted to try it out with our dishwasher and monitor the water bill. Don't have any dishwashing pods or powder, so I put some OxiClean in it.
12:30pm I overhear TJ on a call with a recruiting agency. It seems to be going well, lots of laughing. I heat up some taco lasagna that I freezer meal-prepped last month.
2pm Collaborate on a project at work with an engineer. My manager put me on this project since I was asking for an assignment on a more technical team. I'm learning tidbits here and there, but I don't feel like it's structured enough.
5pm I do an Orangetheory-At-Home workout and try to break a sweat. It's not the same as going to their studio.
6pm Charcuterie for dinner. Our fridge is full of store-bought and homemade pickles that go super well on a charcuterie board.
Daily total: $0
Thursday
7am I wake up tired. The house has been feeling more cold, which woke me up a few times. We keep the temp at 72F during the day, at night around 68F since we thought the bedrooms keep the heat in pretty well. My mistake!
9am I do my usual morning routine and login to work. My team mostly spends the morning sending each other emojis.
11:30am Lunch today is mini quiche, frozen chicken and veggie entree, and hot dogs. Not the most cohesive meal, but it fills the belly.
12:30pm TJ heads out to his mailbox that's 30 minutes away. He is still waiting on his tax return and a 401k withdrawal. His taxes had to be filed by mail for some reason, then the IRS office shut down due to COVID. So he wanted to see if it arrived yet at the mailbox. He also takes the dog to the vet's urgent care on his way. They didn't have any regular openings available until the end of the year, and the dog seemed to be getting worse. I give TJ $40 to mail a gift package to a friend in France and also reiterate that I'll cover the vet bill when he gets it.
4:30pm I pay some bills, my favorite activity (not)! Sewer bill: $59.44 (billed every 2 months). Geico bill: $459.60 billed every 6 months. Then I follow up with my mortgage officer over email. I had sent her some documents for a refinance quote last week, but haven't heard back. Rates keep dropping, so I'm told, but what does that really mean? I do some research on realestate.
5pm TJ messages me and says he'll be back for dinner. I ask him to pick up some Popeyes via drive thru since we both don't feel like cooking today. Popeyes is currently our fancy “going out to eat” food. $24.17 for a 4pc dinner meal and a 2pc dinner meal.
Daily total: $583.21
Friday
8:30am Busy morning at work. My phone is buzzing with emails and Slack messages. I try to answer them while I make tea.
10am Zoom Department happy hour. We reminisce about our director and then play those Jackbox party games. Some of them are hard!
11am TJ asks if he can make me anything for lunch. He suggests savory oatmeal, quick and easy. I tell him that I really appreciate him making meals/doing chores/etc without me prompting. We've been having conversations about "house project management" and mental load because I did most of the chores or I had to continually remind/tell him to do it. I'm really happy to see us progress on this front. I decide to work through my lunch break so I can end the day early. I don't often do that, but I'm ready to get the weekend started.
2pm I check on TJ in the spare bedroom and ask if the dog has been fed yet, since he was nipping at my feet. I notice something off about TJ and ask how he is doing. TJ is depressed about his personal life, career, finances. He doesn't know what to do, spends half the day meditating and reflecting on past trauma. I've been prodding him to get a therapist but he is confused about his insurance. He makes an appointment with a primary care doctor first. I feed the dog some homemade dog-friendly beef stew.
4pm My mom swings by the house (but doesn't enter). She currently works at a school who distributes free USDA food boxes since March. There's often many boxes leftover that would go to waste, so she will grab a box for us. Onions, potatoes, beets, turnips, eggs, cheese, butter, frozen veggies and frozen chicken. She also brought her vintage pasta maker. I asked last week if she ever used it these days and her reply was “no, feel free to have it”. I love pasta and noodles and figure it would be great to make it ourselves as a frugal hobby.
8pm We catch up on Mandalorian and watch silly Youtube videos before heading off to bed.
Daily total: $0
Saturday
9am I open up my web browser and look at Craigslist and NextDoor for free stuff. I've been scouring for free landscape rocks, pegboards, and wood for house projects. I had this grand ambition to redesign our backyard. It faces our neighbor and currently the fence is pretty low. They can see into our kitchen and bedroom and we can see them. But y'know, COVID and going from dual income house to single income means it all has to be put on hold. So I've been looking for free items in the meantime. Over the past months, I've gotten planter pots, plant cuttings, a raised bed, stepping stones, all from free listings. I don't see anything worthwhile so I go and make some tea.
11am I look at Amazon and make some purchases for Reddit Secret Santa. A foodie kit, DVD of their favorite movie, and some cute pens for their writing hobby. $54. I hope they like it!
12pm TJ heats up leftover stir-fry for lunch for us. I put on some Binging with Babish and we watch how to make pasta. We have a plan - TJ makes the pasta, I make the sauce. Perfect date night activity at home. We watch some more videos on pasta and noodles to educate ourselves.
4pm I start prepping veggies. Big batch of onions, canned tomatoes, ground beef and butter in the instant pot. Meanwhile, TJ works on the pasta by following Babish's instructions.
7pm We gorge on fresh made pasta and bolognese sauce. It's so good! We end up watching Fargo.
11pm Usually I'll be in bed by now, but it's a Saturday and not tired yet (probably because of all that pasta). We play some Kirby's Dream Course on the Switch.
Daily total: $54
Sunday
10am Quick walk around the neighborhood with the dog. He's on a new routine now with the medicine he's taking. It seems to be helping his breathing issues.
11am The pasta maker and flour is still out since we didn't clean up yesterday. There's some old pie crust in the fridge so I roll it out with the pasta machine for mini quiches. (Sally's Baking Addiction blog is my go-to place for her all-butter crust and quiche recipes btw). TJ helps by mixing up the eggs.
3pm I play some Genshin Impact (GI) on my phone while TJ plays Starcraft in the office. I don't usually play gacha games, but the Zelda BotW-style of GI appealed to me. A gacha game is a game with randomized characteitem boxes that you use real-money to purchase a “pull” or to spin the wheel. I know the gacha parts of the game can be a real money sink if you get addicted to them, it’s almost like gambling. My main team is Fischl, Bennett, Barbara and Noelle. I level up to AR 22 and look up free-to-play tutorials for the game.
6pm There's some leftover pasta from yesterday, enough for both of us. I throw in some roasted beets to round out the meal. We watch more Fargo while eating. Almost done with Season 3!
10pm I find a tour operator who offers a small, socially-distant snowshoeing tour up on the mountain. I reserve for two people - this will be TJ's Christmas/birthday gift. $75. Off to bed for another workday.
Daily total: $75
Weekly Total: $689.79
Section Five: Reflections
Aside from the car insurance bill, this was a typical week for me, COVID or not. We make the majority of our meals at home and usually splurge on drive-thru/delivery once every other week. I may have overspent on the Secret Santa gift, but I don't often give gifts out to friends. It's not something our family does either. For TJ’s Christmas/birthday gift, we usually talk upfront about costs. I’ve gifted him fancy restaurant experiences the past 2 years, since we can share that experience, but obviously can’t do that now. Snowshoeing is a nice change of pace.
The conversations with TJ this week have given me thought on how to approach him differently about finances and working together in a relationship. I’m still unsure about the future financially, particularly as my parents near retirement age and that TJ has pulled out his 401k to pay his debts. I don't know if I can support both my parents and TJ together, so I am finding ways to upskill and/or side hustles without becoming a workaholic or bogged down by stress.
Writing this money diary was also the first time where I really paid attention to my past income and current income. I might be contributing too much into ESPP that could go towards the 401k or mortgage instead? I also seem to have been underpaid for what I did in past jobs, even in a LCOL area.
submitted by throwaway_md_182481 to MoneyDiariesACTIVE [link] [comments]

Stock Market News Today | APHA & TLRY Merge | APPLE Rises | Stimulus & FED Meeting Today [12-16]

What is the latest news in the stock market? Aphria is merging with Tilray while the stimulus may be agreed on today after the latest developments. Also, the FED starts its 2-day meeting, let’s talk about this and everything happening in the stock market
~Very Long Post~
Hello everyone and Good Morning! So, let’s start with the recap of yesterday as we see a great day for the stock market, the best in December actually, as a one-two punch of stimulus and vaccine data helped the rally, with the broad market SP500 finishing up 1.29%, the Nasdaq Composite 1.25% and the Dow Industrial 1.13%. We also saw the VIX dropping more than 7% from the recent highs, as it was nearing the 25 levels which would imply more volatility ahead for the stock market.
We saw ¾ of the companies gaining yesterday on decent volume, with 145 new highs, as all 11 sectors finished in the green, with Utilities and Energy leading the way up almost 2%, while just 2 sectors gained less than 1% for the day, the Communications sector and the consumer staples. This rally was pushed by almost every type of company, especially small and mid-caps, as large-caps lagged a bit and were pretty much flat for the day, with the exception of Apple as you can see in this HEAT MAP, as I said in a previous post, I believe that Apple is ready for takeoff after more and more reports of great numbers in the new iPhone 12 lineup sales, and with the Fitness+ service launching this Monday this keeps increasing the number of services that Apple offers. I believe that the Apple One bundle will be a great revenue stream for them alongside the move to the 5G in the next years.
So here is the economic calendar for today as we start off early in the morning with MBA mortgage applications, followed but retail sales, PMI, inventories and finish up with the last meeting and decisions from the FED in 2020.
We also received news that as soon as the FDA & CDC give approval, which could and probably will happen as soon as this weekend, Moderna will be able to ship over 6M doses right away, more than double what Pfizer delivered in the initial shipment.
This is happening while the stimulus appears closer than ever, but it should be noted that it does appear it will not include any stimulus checks for citizens. As the Congress seems to be targeting a $750B relief package. This is very needed as the savings, especially for low-income households, has been substantially on the declin since May, just like always, the rich get richer and the poor get poorer.
This measures from the Government have been unexpectedly just been called upon from Warren Buffett also, as he emphasized that small businesses have become collateral damage, though he previously said he wouldn’t speak in public about this until May, the degrading situation probably made him change his mind.
We will also have the FED starting its meetings today, and follow up tomorrow, with most analysts expecting the FED to lay out the plans for additional asset purchases to provide additional support for the economy. And even if this is a temporary measure, it would be great for the economy if they keep this program going until the vaccine is more widely available and the reopening can come back in full force.
Yesterday we also got numbers on the Industrial Production, which beat the consensus with a .4% increase M/M while capacity utilization also increased with the manufacturing output way better than expected. This was led especially by motor vehicle and parts sales which were up 5.3%.
So, with some good news in the last period, a recent survey showed that fewer respondents believe that stocks are overpriced or overvalued right now. I think this is a fair opinion, as we have gone through a period of consolidation since the beginning of November, stocks have become more stable, some have lost ground, some have gained. This is very healthy for the broad stock market and may eventually start a new bull run very soon.
On some other stock market news, we saw the whole green energy sector getting a big boost yesterday, as the US Congress seems to have agreed to a package of tax incentives and extensions for both wind and solar projects. Some of the biggest gainers yesterday were SunPower, Enphase, SolarEdge, with most of the companies from the INVESCO Solar ETF trading way higher. As we also saw PENN national gaining yesterday after giving great news again to investors, as they have acquired a new casino in Maryland as they keep expanding their nationwide footprint.
Meanwhile, we will get Lennar Q4 earnings today after the close, and I expect them to have a great quarter, but this hasn’t helped many companies this quarter, as even great earnings results haven’t pushed most companies to have big gains, I think Lennar will post a terrific quarter as a result of the continuing strong housing market as more and more people flee big cities attracted by better tax implications while they also run from the growing poverty in states like California.
Some good news also came from the Eurozone this morning, as the PMI popped up to 49.8 which is still a contraction for the economy, but that is an improving view of the economy overseas, up from 45.3 in November.
We also have to keep an eye on what ABNB and Doordash will do, as investors are starting to get the chance to short this highly valued IPOs. So, this might hit the stocks even more after they have suffered in the last days as I expected.
And one last bit of news, Aphria is merging with Tilray, they will become an almost $4B market cap cannabis player, as they seek to also move to the US and grow its market share in the country, as the full legalizing of cannabis in the US seems to be approaching. This will help both companies to be able to have low-cost, state of the art cultivations alongside improved processing and manufacturing facilities. This will also position them for a better footprint in the EU, with Aphria having a footprint in Germany, while Tilray has a low-cost production facility in Portugal.
I think the pot and clean energy sectors alongside the EVs are the ones to watch in the next years.
Let’s hope for another great day in the market as the FUTURES seem to be pointing at a good open, hopefully some green action continues after that.
Thank you everyone for reading! Hope you enjoyed the content! Be sure to leave a comment down below with your opinion on the stock market!
Don't forget to check out my YouTube Channel!
Have a great day and see you next time!
submitted by 0toHeroInvesting to u/0toHeroInvesting [link] [comments]

Stock Market News Today | APHA & TLRY Merge | APPLE Rises | Stimulus & FED Meeting Today [12-16]

What is the latest news in the stock market? Aphria is merging with Tilray while the stimulus may be agreed on today after the latest developments. Also, the FED starts its 2-day meeting, let’s talk about this and everything happening in the stock market
~Very Long Post~
Hello everyone and Good Morning! So, let’s start with the recap of yesterday as we see a great day for the stock market, the best in December actually, as a one-two punch of stimulus and vaccine data helped the rally, with the broad market SP500 finishing up 1.29%, the Nasdaq Composite 1.25% and the Dow Industrial 1.13%. We also saw the VIX dropping more than 7% from the recent highs, as it was nearing the 25 levels which would imply more volatility ahead for the stock market.
We saw ¾ of the companies gaining yesterday on decent volume, with 145 new highs, as all 11 sectors finished in the green, with Utilities and Energy leading the way up almost 2%, while just 2 sectors gained less than 1% for the day, the Communications sector and the consumer staples. This rally was pushed by almost every type of company, especially small and mid-caps, as large-caps lagged a bit and were pretty much flat for the day, with the exception of Apple as you can see in this HEAT MAP, as I said in a previous post, I believe that Apple is ready for takeoff after more and more reports of great numbers in the new iPhone 12 lineup sales, and with the Fitness+ service launching this Monday this keeps increasing the number of services that Apple offers. I believe that the Apple One bundle will be a great revenue stream for them alongside the move to the 5G in the next years.
So here is the economic calendar for today as we start off early in the morning with MBA mortgage applications, followed but retail sales, PMI, inventories and finish up with the last meeting and decisions from the FED in 2020.
We also received news that as soon as the FDA & CDC give approval, which could and probably will happen as soon as this weekend, Moderna will be able to ship over 6M doses right away, more than double what Pfizer delivered in the initial shipment.
This is happening while the stimulus appears closer than ever, but it should be noted that it does appear it will not include any stimulus checks for citizens. As the Congress seems to be targeting a $750B relief package. This is very needed as the savings, especially for low-income households, has been substantially on the declin since May, just like always, the rich get richer and the poor get poorer.
This measures from the Government have been unexpectedly just been called upon from Warren Buffett also, as he emphasized that small businesses have become collateral damage, though he previously said he wouldn’t speak in public about this until May, the degrading situation probably made him change his mind.
We will also have the FED starting its meetings today, and follow up tomorrow, with most analysts expecting the FED to lay out the plans for additional asset purchases to provide additional support for the economy. And even if this is a temporary measure, it would be great for the economy if they keep this program going until the vaccine is more widely available and the reopening can come back in full force.
Yesterday we also got numbers on the Industrial Production, which beat the consensus with a .4% increase M/M while capacity utilization also increased with the manufacturing output way better than expected. This was led especially by motor vehicle and parts sales which were up 5.3%.
So, with some good news in the last period, a recent survey showed that fewer respondents believe that stocks are overpriced or overvalued right now. I think this is a fair opinion, as we have gone through a period of consolidation since the beginning of November, stocks have become more stable, some have lost ground, some have gained. This is very healthy for the broad stock market and may eventually start a new bull run very soon.
On some other stock market news, we saw the whole green energy sector getting a big boost yesterday, as the US Congress seems to have agreed to a package of tax incentives and extensions for both wind and solar projects. Some of the biggest gainers yesterday were SunPower, Enphase, SolarEdge, with most of the companies from the INVESCO Solar ETF trading way higher. As we also saw PENN national gaining yesterday after giving great news again to investors, as they have acquired a new casino in Maryland as they keep expanding their nationwide footprint.
Meanwhile, we will get Lennar Q4 earnings today after the close, and I expect them to have a great quarter, but this hasn’t helped many companies this quarter, as even great earnings results haven’t pushed most companies to have big gains, I think Lennar will post a terrific quarter as a result of the continuing strong housing market as more and more people flee big cities attracted by better tax implications while they also run from the growing poverty in states like California.
Some good news also came from the Eurozone this morning, as the PMI popped up to 49.8 which is still a contraction for the economy, but that is an improving view of the economy overseas, up from 45.3 in November.
We also have to keep an eye on what ABNB and Doordash will do, as investors are starting to get the chance to short this highly valued IPOs. So, this might hit the stocks even more after they have suffered in the last days as I expected.
And one last bit of news, Aphria is merging with Tilray, they will become an almost $4B market cap cannabis player, as they seek to also move to the US and grow its market share in the country, as the full legalizing of cannabis in the US seems to be approaching. This will help both companies to be able to have low-cost, state of the art cultivations alongside improved processing and manufacturing facilities. This will also position them for a better footprint in the EU, with Aphria having a footprint in Germany, while Tilray has a low-cost production facility in Portugal.
I think the pot and clean energy sectors alongside the EVs are the ones to watch in the next years.
Let’s hope for another great day in the market as the FUTURES seem to be pointing at a good open, hopefully some green action continues after that.
Thank you everyone for reading! Hope you enjoyed the content! Be sure to leave a comment down below with your opinion on the stock market!
Have a great day and see you next time!
submitted by 0toHeroInvesting to StockMarket [link] [comments]

What A Day: Crash in Toomey by Sarah Lazarus & Crooked Media (12/18/20)

"Lindsey’s been a personal disappointment." - Joe Biden, in the words of so many before him
What a year! We'll be on hiatus until Monday, January 4. Safe and happy holidays, and see you around the inbox in 2021.

Night Of The Living Fed

Say what you will about Senate Majority Leader Mitch McConnell, but it takes a special kind of work ethic to spend the weekend before Christmas holding up coronavirus relief for nefarious political reasons, while taking just one quick break to get a vaccine in short supply. Sorry, not work ethic—what’s the phrase?—moral bankruptcy.
In their mad scramble back to Austerity Mode, Republicans have held off calls for larger direct payments from (checks notes) Sen. Josh Hawley (R-MO) and (squints at notes, dons bifocals) President Donald Trump.
The embarrassing stimulus package that Senate Republicans will eventually, begrudgingly agree to is only on the table because they worry they’ll lose both Georgia Senate runoffs next month if they don’t pass something. Imagine what relief efforts will look like if Mitch McConnell is still in power in the new year without his majority at stake, then grab a shift to help Georgia voters send him packing.

Look No Further Than The Crooked Media

Unholier Than Thou just released a very special episode with Crooked Media alum Brittany Packnett Cunningham. Phill and Brittany discuss the idea of Jesus Christ in the modern context as a social justice warrior. With Christmas fast approaching, the discussion around the identity (as a brown man, inmate, undocumented immigrant, etc.) of the holiday’s namesake is more relevant than ever. Take a listen, and make sure to subscribe to Unholier Than Thou wherever you get your podcasts

Under The Radar

Here, we got you a little Christmas grift: Jared Kusher helped create a shell company that funneled millions of dollars in campaign funding to Trump family members. American Made Media Consultants Corporation, whose creation Kushner approved, has spent approximately half of the Trump campaign’s $1.26 billion in total funds since 2019. The company allowed the Trump campaign to shield details of its spending, and while earlier reporting pinned the whole scheme on former Trump Campaign Manager Brad Parscale, we now know that the family was directly involved: Lara Trump was AMMC’s president, Vice President Mike Pence’s nephew was (fittingly) veep, and Trump campaign CFO Sean Dollman was treasurer and secretary. Nothing a last-minute blanket pardon won’t clear up!

What Else?

The Trump administration has abruptly halted defense briefings for Biden’s transition team. After Axios reported that Acting Defense Secretary Chris Miller had ordered Pentagon officials to stop cooperating with the transition, Miller explained that it was just for a wildly unusual holiday break. Here’s Biden transition director Yohannes Abraham: “Let me be clear: there was no mutually agreed upon holiday break."
The Supreme Court delayed a ruling on whether Trump can exclude undocumented immigrants from the Census count. The three liberal justices disagreed that it was “premature” to rule that the policy is unconstitutional.
Rep. Cedric Richmond (D-LA), an incoming White House senior advisor, has tested positive for coronavirus after campaigning alongside Biden in Georgia on Tuesday. Biden tested negative on Thursday.
Former national security advisor Michael Flynn has continued calling for Trump to institute martial law to remain in power, arguing that military coups are actually no big deal in a Thursday appearance on Newsmax.
Rupert Murdoch has received his first dose of the coronavirus vaccine, while Tucker Carlson goes on his network and scares the shit out of people with vaccine disinformation.
New York City’s Department of Investigation released a report outlining the many ways the NYPD screwed up during the George Floyd protests, resulting in excessive use of force.
The New York Times has retracted the reporting of its Caliphate podcast and will return the Peabody award it won, acknowledging that the central figure’s account of acting as an ISIS executioner in Syria couldn’t be substantiated.
The Space Force announced that its members will be called “Guardians,” and that this was the result of a year-long naming process, and that it is “a name chosen by space professionals, for space professionals,” and that Guardians will be hired based on resemblance to Chris Pratt, and only that last part is made up.
Atlantic City is auctioning off the opportunity to blow up Trump’s casino. If that’s out of your price range, keep in mind that tweeting “lol remember when you lost” at the president is both legal and free.
We normally wouldn't amplify vaccine misinformation, but this is important.

Be Smarter

The extensive Russian hack of federal networks that the president has yet to acknowledge keeps getting more alarming. At least six government departments were breached in an operation that went undetected for eight months. DHS’s Cybersecurity and Infrastructure Security Agency warned that malware-infused software updates from SolarWinds may not have been hackers’ only access point to government networks, and restoring security to those networks may take months. It’s still unclear how many total agencies were affected or what data may have been stolen. Anyway, remember three decades ago, in 2018, when the Trump administration eliminated the cybersecurity coordinator role on the NSC, and then spent 2019 bullying a whole bunch of cybersecurity experts out of the government? Seems like that might be worth a second look.

What A Sponsor

Sick of UTIs? Meet Uqora. UTIs are the second most common infection in the United States. Uqora was created by a chronic UTI sufferer who had tried it all and was sick of the constant cycle of infections. So, if you're tired of the cycle of UTIs, meet Uqora. Uqora specializes in UTI relief products and proactive urinary tract health supplements. They've helped more than 100,000 people stay healthy and want to help you too. Plus, you get 15% off.

Is That Hope I Feel?

The FDA has authorized Moderna's coronavirus vaccine.
Nearly 76,000 new voters, a majority of them under the age of 35, have registered in Georgia since the November election.
A federal judge has rejected a lawsuit from Sens. Kelly Loeffler (R-GA) and David Purdue (R-GA) aiming to get those new voters’ ballots thrown out.
More than 1.1 million people in four countries have received their first coronavirus vaccine shots, according to a Bloomberg vaccine tracker that’s deeply soothing to stare at.
Look at you. Thank you. Keep it going.

Enjoy

Netflix Is A Joke on Twitter: "We asked @KeatonPatti to force a bot to watch over 1,000 hours of holiday movies and then asked it to write a holiday movie of its own. Then we animated it. Here it is"
submitted by kittehgoesmeow to FriendsofthePod [link] [comments]

Which Director had the best run in the 60s?

Best run in terms of anything
Stanley Kubrick: Lolita, 2001: A Space Odyssey, Spartacus, and Dr. Strangelove.
Robert Wise: The Sound of Music, West Side Story, The Sand Pebbles, The Haunting, Two for the Seesaw, and Star!.
Jean Luc Godard: Breathless, Contempt, My Life to Live, Two or Three Things I Know About Her, Pierrot le Fou, Bande à part, A Woman Is a Woman, Le petit soldat, The Carabineers, A Married Woman, Alphaville, Made in U.S.A, Masculin Féminin, La Chinoise, Weekend, One Plus One, Joy of Learning, A Film Like Any Other, and British Sounds.
David Lean: Lawrence of Arabia and Doctor Zhivago
Francois Truffaut: Stolen Kisses, Antoine and Colette, Shoot the Piano Player, Jules and Jim, The Soft Skin, Fahrenheit 451, The Bride Wore Black, and Mississippi Mermaid.
Alfred Hitchcock: Psycho, The Birds, Topaz, Marnie, and Torn Curtain.
Billy Wilder: The Apartment, Irma la Douce, The Fortune Cookie, One, Two, Three, and Kiss Me, Stupid.
Federico Fellini: 8 1/2, La Dolce Vita, Juliet of the Spirits, Satyricon, Spirits of the Dead, and Boccaccio '70.
Ingmar Bergman: Persona, Shame, Hour of the Wolf, The Passion of Anna, The Rite, All These Women, The Silence, Through a Glass Darkly, Winter Light, The Devil's Eye, and The Virgin Spring.
Mike Nichols: The Graduate Teach me!, and Who's Afraid of Virginia Woolf?.
Sidney Lumet: The Fugitive Kind, The Appointment, The Hill, The Deadly Affair, Fail Safe, Bye Bye Braverman, The Group, A View from the Bridge, The Pawnbroker, and Long Day's Journey into Night.
Luchino Visconti: Rocco and His Brothers, The Damned, The Leopard, Sandra, and The Stranger.
George Roy Hill: Butch Cassidy and the Sundance Kid, Thoroughly Modern Millie, Hawaii, The World of Henry Orient, Period of Adjustment, and Toys in the Attic .
Roman Polanski: Knife in the Water, Repulsion, Rosemary's Baby, The World's Most Beautiful Swindlers, and Cul-de-sac.
John Huston: The Unforgiven, The Misfits, The Night of the Iguana, The List of Adrian Messenger, The Bible: In the Beginning..., Freud, Reflections in a Golden Eye, A Walk with Love and Death, Casino Royale, and Sinful Davey.
Sergio Leone: The Dollars Trilogy, Once Upon a Time in the West, and The Colossus of Rhodes.
Michelangelo Antonioni: Blowup, L'Avventura, L'Eclisse, La Notte, and Red Desert.
John Ford: How the West Was Won, The Man Who Shot Liberty Valance, Sergeant Rutledge, 7 Women, Cheyenne Autumn, Two Rode Together, and Donovan's Reef.
Akira Kurosawa: Yojimbo, Red Beard, Sanjuro, The Bad Sleep Well, and High and Low.
John Frankenheimer: Birdman of Alcatraz, The Manchurian Candidate, The Train, Seven Days in May, Seconds, Grand Prix, All Fall Down, The Fixer, The Young Savages, The Gypsy Moths, and The Extraordinary Seaman.
Vittorio De Sica: Yesterday, Today and Tomorrow, Woman Times Seven, Marriage Italian Style, After the Fox, Un monde nouveau, Il giudizio universale, The Condemned of Altona, and Two Women.
Blake Edwards: Breakfast at Tiffany's, Days of Wine and Roses, The Party, The Great Race, A Shot in the Dark, High Time, Soldier in the Rain, Experiment in Terror, and The Pink Panther.
John Sturges: The Great Escape, The Magnificent Seven, Ice Station Zebra, Marooned, Hour of the Gun, A Girl Named Tamiko, By Love Possessed, and Sergeants 3.
Stanley Kramer: Guess Who's Coming to Dinner, It's a Mad, Mad, Mad, Mad World, Ship of Fools, Inherit the Wind, Judgment at Nuremberg, and The Secret of Santa Vittoria.
Robert Aldrich: What Ever Happened to Baby Jane?, Hush...Hush, Sweet Charlotte, The Flight of the Phoenix, The Dirty Dozen, The Killing of Sister George, The Last Sunset, 4 for Texas, and Sodom and Gomorrah.
Mario Bava: The Girl Who Knew Too Much, Black Sunday, Kill, Baby, Kill, Hercules in the Haunted World, Knives of the, Erik the Conqueror Avenger, Danger: Diabolik, Black Sabbath, Blood and Black Lace, and Planet of the Vampires.
Elia Kazan: Wild River, The Arrangement, America America, and Splendor in the Grass.
Samuel Fuller: Shock Corridor, The Naked Kiss, Shark!, Underworld U.S.A., and Merrill's Marauders.
Robert Bresson: Au hasard Balthazar, Mouchette, The Trial of Joan of Arc, and A Gentle Woman.
Andrei Tarkovsky: Andrei Rublev and Ivan's Childhood.
Sam Peckinpah: The Wild Bunch, Major Dundee, The Deadly Companions, and Ride the High Country.
Yasujirō Ozu: Late Autumn, The End of Summer, and An Autumn Afternoon.
Robert Altman: Countdown and That Cold Day in the Park.
Francis Ford Coppola: Tonight for Sure, The Bellboy and the Playgirls, Dementia 13, You're a Big Boy Now, Finian's Rainbow, and The Rain People.
Jean-Pierre Melville: Léon Morin, Priest, Army of Shadows, Le Samouraï, Magnet of Doom, Le Doulos, and Le deuxième
Luis Buñuel: The Milky Way, Belle de Jour, Simon of the Desert, Diary of a Chambermaid, The Young One, The Exterminating Angel, and Viridiana.
John Cassavetes : Faces, A Child Is Waiting, and Too Late Blues.
Roberto Rossellini: The Taking of Power by Louis XIV, Uno sguardo dal ponte, Escape by Night, Garibaldi, Les Carabiniers, Vanina Vanini, Les Carabiniers, Anima nera, and Benito Mussolini.
Pier Paolo Pasolini: Mamma Roma, The Gospel According to St. Matthew, Accattone, The Hawks and the Sparrows, Pigsty, Theorem, Oedipus Rex, and Medea.
Howard Hawks: Man's Favorite Sport?, Red Line 7000, El Dodrado, and Hatari!.
John Schlesinger: Darling, Midnight Cowboy, Far from the Madding Crowd, A Kind of Loving, and Billy Liar.
Martin Ritt: Hud, Paris Blues, Hemingway's Adventures of a Young Man, The Spy Who Came In from the Cold, The Outrage, Hombre, Five Branded Women, and The Brotherhood.
Jack Clayton: The Innocents, The Pumpkin Eater, and Our Mother's House.
Robert Mulligan: The Rat Race, The Great Impostor, The Spiral Road, To Kill a Mockingbird, Love with the Proper Stranger, Inside Daisy Clover, Baby the Rain Must Fall, Up the Down Staircase, and The Stalking Moon.
Satyajit Ray: Nyak, Two, Teen Kanya, Kanchenjungha, Devi, Rabindranath Tagore, Abhijan, Mahanagar, Aranyer Din Ratri, Chiriyakhana, Goopy Gyne Bagha Byne, Charulata, and Mahapurush.
Tony Richardson: Tom Jones, The Entertainer, A Subject of Scandal and Concern, A Taste of Honey, Sanctuary, Hamlet, Red and Blue, Laughter in the Dark, The Loved One, The Loneliness of the Long Distance Runner, Mademoiselle, The Sailor from Gibraltar, The Charge of the Light Brigade, and Laughter in the Dark.
Bryan Forbes: Séance on a Wet Afternoon,Whistle Down the Wind, King Rat,The L-Shaped Room, Deadfall, The Wrong Box, The Whisperers, and The Madwoman of Chaillot.
Richard Brooks: Elmer Gantry, In Cold Blood, The Happy Ending, Sweet Bird of Youth, Lord Jim, and The Professionals.
Claude Chabrol: Les Biches, The Unfaithful Wife, The Champagne Murders, Les Bonnes Femmes, Wise Guys, The Third Lover, Landru, Ophélia, Le Tigre aime la chair fraiche, Marie-Chantal contre le docteur Kha, Our Agent Tiger, The Road to Corinth, and This Man Must Die.
Mario Monicelli: The Passionate Thief, Casanova 70, Caprice Italian Style, The Girl with the Pistol, Organizer, L'armata Brancaleone, High Infidelity, and Sex Quartet.
Norman Jewison: In the Heat of the Night, The Thomas Crown Affair, The Cincinnati Kid, The Russians Are Coming, the Russians Are Coming, Gaily, Gaily, 40 Pounds of Trouble, The Thrill of It All, Send Me No Flowers, and The Art of Love.
Gillo Pontecorvo: The Battle of Algiers, Burn!, and Paras.
Ken Russell: Song of Summer, French Dressing, Women in Love, and Billion Dollar Brain
Ken Loach: Kes and Poor Cow.
Costa-Gavras:Z, Shock Troops, and The Sleeping Car Murders
Jacques Demy: The Umbrellas of Cherbourg, The Young Girls of Rochefort, Lola, Bay of Angels, and Model Shop.
Carol Reed: Oliver!, The Running Man, and The Agony and the Ecstasy.
Fred Zinnemann: A Man for All Seasons, The Sundowners, and Behold a Pale Horse.
Arthur Penn: The Chase, Alice's Restaurant, Bonnie and Clyde, The Miracle Worker, and Mickey One.
Agnes Varda: Cléo de 5 à 7, Le Bonheur, Lions from love, Les Créatures, and Loin du Vietnam.
Masaki Kobayashi: Harakiri, Samurai Rebellion, The Inheritance, A Soldier's Prayer, Hymn to a Tired Man, and Kwaidan.
Otto Preminger: Advise & Consent, Exodus, The Cardinal, Bunny Lake Is Missing, In Harm's Way, Skidoo, and Hurry Sundown.
Stanley Donen: Charade, Two for the Road, The Grass Is Greener, Surprise Package, and Once More, with Feeling!.
Nicholas Ray: The Savage Innocents, 55 Days at Peking, and King of Kings.
Luis García Berlanga: Long Live the Bride and Groom, Three Fables of Love, The Executioner, Plácido, and La boutique.
Walerian Borowczyk: Mr. and Mrs. Kabal's Theatre, Renaissance, and Goto, Island of Love.
Karel Reisz: Isadora, Saturday Night and Sunday Morning, Night Must Fall, and Morgan – A Suitable Case for Treatment.
Joseph Losey: Eva, The Criminal, The Damned, King and Country, The Servant, Boom!, Accident, Secret Ceremony, and Modesty Blaise.
Mark Robson: Daddy's Gone A-Hunting, Von Ryan's Express, The Prize, Valley of the Dolls, The Inspector, Nine Hours to Rama, Lost Command, and From the Terrace.
Richard Fleischer: Che!, Fantastic Voyage, The Big Gamble, Barabbas, The Boston Strangler, Doctor Dolittle, and Crack in the Mirror,
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Emojino Casino 100 gratis spins and 1500€ free bonus code

Emojino Casino 100 gratis spins and 1500€ free bonus code

Emojino Casino Gratis Spins and Free Bonus
Welcome to Emojino Casino Online! Create your account now and collect 20 No Deposit Free Spins! Next, get 100 Free Spins and 1500 EUR Free Cash Bonus in our exclusive welcome bonus pack! Play the best slot machines, progressive jackpots, table games, live dealer and scratch cards!
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Emojino Casino Review

Emojino has been founded in 2020 and is completely focused on casino games. Currently, a collection of 12 game providers with a games count of 990+ different games are offered by Emojino. Dependent upon the country that you reside in the precise count of games may vary. To guarantee a high level of safety, Emojino is regulated by the Malta Gaming Authority. Beside English, Emojino gives the chance to change the website’s language to 7 more options, including Finnish and Danish. Continue reading the following Emojino review for further info on the casino.

GAMES AND SOFTWARE PROVIDER AT EMOJINO

Users of different skill levels should find something for their preferences because of the broad lobby of games. Elk Studios, Play’n GO or NetEnt are amongst the most popular game studios available at Emojino, but of course you can also test some of the best slots created by other outstanding names. Players have the option to find different slots like video slot games, classic slot games as well as 3D slot games. The collection of top slot machines at Emojino includes Pink Elephants 2 from Thunderkick, Mustang Gold from Pragmatic Play and Berryburst MAX from NetEnt. Progressive jackpot slots like NetEnt’s Divine Fortune Megaways are also offered at Emojino.
Customers at Emojino cannot only try out slot machines but also live roulette, live blackjack or live baccarat from Pragmatic Play, NetEnt and Evolution Gaming. However, that is not the only thing – The games collection also includes live versions of dragon tiger, european roulette, sic bo or poker. Customers who would like to play table games should also find games that suits their taste as Emojino offers table games developed by , for example european roulette, poker, american roulette, blackjack or sic bo. However, the casino offers even more – You also have the chance to test out keno or wheel games. Do, however, keep in mind that the accessibility of games can vary for your location.
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PAYMENTS AT EMOJINO CASINO

At Emojino, there are 15 payment methods customers have the possibility to make use of to make a deposit. The casino accepts well-known e-wallets like Skrill and EcoPayz as well as credit cards, for example MasterCard and Visa. Moreover, bank wire transfer deposits like Trustly are permitted just as prepaid payments, for instance Neosurf or Paysafecard. Still, it should be stated that dependent upon your location there might be varying deposit and withdrawal options available. Keep in mind: There might be deposit limitations per given payment method. To view the Emojino deposit limits, you can look at the cashier section or get in touch with the customer support.
In case you wish to pay out your winnings, you can utilize 11 payout options. Players have the option to utilize Trustly, Visa, Bank Wire Transfer or Skrill, to mention only a few of the provided payout options. When considering a withdrawal, note that there are withdrawal restrictions beginning at €40 and up to a maximum of €10.000 per transaction. At Emojino, there are no limitations regarding free payouts, so customers can initiate an unlimited volume of free withdrawals. Therefore, the casino will not bill any payout fees. After requesting a payout, it will be processed automatically by Emojino. It should be noted that Emojino also carries out withdrawals on the weekend.

EMOJINO REGISTRATION AND ACCOUNT VERIFICATION

The sign up process at Emojino is straightforward. First of all, enter your personal info into the registration form. When you entered all personal data to the Emojino registration form, a confirmation of your account is necessary. To this end, you should get detailed instructions on the validation procedure via SMS or email. Finalizing the approval allows you to start playing.
Undergoing an account verification is needed at Emojino in order to initiate transactions. To this end, submitting a scan of an official document (id card, driving license or passport) is needed. In addition, a confirmation of your abode, that can be completed by turning in a bill (bank statement, phone bill or electricity bill), is needed. It is no permitted to upload a supplier bill that is older than 180 days.
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CUSTOMER SERVICE AND SECURITY AT EMOJINO

If you have any questions, you can contact the Emojino customer support in different ways. For instance, the customer service can be contacted via email ([email protected]) or service phone line. Usually, you should receive an answer to your email within a short time period. Additionally, utilizing the web form on the casino site is another contact option. Besides, a Text Chat is available 24/7 on the casino site. To review the customer service response, we asked a few questions. The team always provided quick and helping responses. The casino also has , where you should find answers to common questions.
Every online casino has to fulfil high safety requirements, otherwise they lose their licenses. Emojino upholds the highest security standards by coding the site with SSL128. The according licensing commission, in this case Malta Gaming Authority, reviews the fairness constantly.
Emojino helps to facilitate responsible gaming by offering protection options. These measures provide you with the option to:
  • Set a turnover limit
  • Cap your losses
  • Restrict your sessions
Furthermore, if you have problem with gambling, you can reach out to the NGO Gamcare that Emojino refers to.

EMOJINO BONUS

The Emojino welcome offer can be claimed by all new players. This 100% bonus enlarges your initial deposit up to a maximum amount of €300. 100 Free Spins are also part of the package. Amounts of €20 and more are necessary. You can make use of payment methods like EcoPayz, Paysafecard or Neosurf for this purpose. A payment of €300 will unlock the highest bonus. Then you can avail of a total sum of €600 to place bets with. Adding a bonus code is not necessary.
The automatic credit of your bonus funds should be completed within a short time. If you decide not to utilize the bonus you can reject it afterwards. Your bonus funds are available for playing when your cash funds are spent. You are able to test out slots created by Playson, Play’n GO and NetEnt, as well as other famous game providers in the present portfolio, using your bonus funds. At Emojino, you are not allowed to claim more than one new customer promotion simultaneously.
You are asked to wager your bonus 40 times within 10 days before you have the possibility to initiate a cash out of any winnings. Additionally, wager all won amounts from your Free Spins 40 times. Requesting a payout before you completed the wagering criteria causes the expiration of your bonus. Do not forget to finish the conditions on time, otherwise you will lose the bonus and your winnings. Your deposit, of course, will stay.
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EMOJINO CASINO PROMOTIONS

From what we know, at present no bonus (e.g. a no deposit bonus or a highroller bonus) other than the welcome offer can be claimed at Emojino. At Emojino, participating in a loyalty program or availing of VIP player advantages is not an option. It could be case that registered players have the option to join slot tournaments soon, at present we do not have any info regarding that topic.

EMOJINO OPERATOR INFOS

Being launched in 2020, Emojino is a Blockchain Games N.V. casino brand. TrueFlip has also been launched by the company. To the best of our knowledge, it is not publicly listed. With the operator being committed to high security standards, Emojino bears the following license:
  • Malta Gaming Authority with the license number MGA/B2C/778/2020

OUR CONCLUSION

In sum, skilled customers and newbies can avail of a varied gaming atmosphere at Emojino. Offering 12 popular gaming providers, the casino games section is average. Additionally, with various payment options being accepted at Emojino, you should be able to find a payment that suits your needs. Moreover, when joining the casino as a customer, you may be able to claim generous offers. So, join Emojino now to convince yourself!
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