Survey - Chicago

casino survey questions

casino survey questions - win

Mustel Group giving surveys with leading questions about gaming casino.

They called me today, asked me a bunch of "opinion questions" about new entertainment and casinos coming in. About 3/4 of the way through, give "stats" on how casinos brought in money for municipalities and funded healthcare, blah blah blah. Then asked me if that changed my opinion.
Classic "If you knew Politician X had a African American child, would you still vote for him" questions. Its a way to get support of the community without realizing that casinos just take money from poor people typically. Here is an article on the impact of casinos.
My opinion, if you can't balance your budget, increase taxes (without a vote of course).
Anyone else think this is shady or am I just being crazy?
submitted by traiden to vancouver [link] [comments]

The ECP is stupid, let's plan production.

It's not a debate about whether to plan things. It never has been. Things are already planned and that's how conservatives like it. The question is how things should be planned and by whom. In capitalism, production is planned by the rich, who have no goal in mind but their own profit. To frame the debate as though it were about capitalism versus central planning, like attempts at characterizing capitalism as an 'emergent order,' has only ever been propaganda for the rich.
Why can't things be run differently? In 1920, an economist tried to devise an answer when he wrote about the economic calculation problem (ECP). To make economic decisions requires we have a common value to compare things by. How else do we know what to produce? A shipment of steel could be used to make cars. It could also make pipes, or microwaves, or any other number of things. How do we decide? There isn't a simple, objective answer you could produce in a lab test. It's a matter of finding the right proportion of what everybody wants. So the critical question is, what do people want? How do we determine that? The argument people are making when they invoke the ECP is a socialist economy couldn't determine this, and will thus always mismanage resources. (This is the origin of the 'commie no food' meme.)
The capitalist price system does provide some information about demand, as prices do reflect how real people are spending their money and thus implies an expression of preference. But how much information this actually produces is exaggerated, along with just how meaningful that information is, while its various problems and shortcomings are swept under the rug. Ludwig von Mises, the economist who first described the ECP, meanwhile does nothing to make the case for why no other method to gauge demand is feasible. He asserts the price system itself couldn't be replicated in socialism, but only because his grasp of socialism was basically if one big company bought the whole economy and prices were arbitrarily set by bureaucrats sitting in a room somewhere. The only point he made in the end is planning requires information, which is mundane.
There's numerous ways to gauge demand. The one I'm most interested is just plainly asking, which I have no problem calling the survey method. Take a random sample of the population every so often, have them rank things by importance. That's it. It would create the same type of information as the price system currently does, if not better. What interests me about this method is its simplicity. It could of course be built upon and expanded over time, and other methods could be incorporated in addition to it, but a general belief of mine is that movements require simple ideas as their foundation, and on this subject I can think of nothing more straightforward and easy to understand than 'to determine what people want, ask them.' It's the ideal starting point.
A big objection I always hear to this idea is people wouldn't answer realistically. People would say they want caviar and lobster every meal, or something like that. But obviously we could present choices and trade-offs in such a way that reflects how difficult things are to provide. It's not a choice between bread and lobster, it's a choice between lots of bread and some lobster, because lobster takes more labour and resources to obtain. The suggestion we couldn't figure out something so basic helps to betray how much of the 'skepticism' about socialism is just dull status-quo bias. The argument is practically 'an idea must be bad if I can imagine it being implemented poorly.'
The other big objection is people don't know what they want. After all, how they reply to a survey doesn't always align with how people really behave. And I suppose that's true, but I also don't accept that it's a disadvantage. In fact, I assert the opposite. This objection touches on a big reason why socialist planning would be so advantageous.
There are those who think what people say they want can be discarded. It's what people do, in practice, that matters. To put that differently, it's not people's stated preference that we should care about, but only their revealed preference. That's what reflects our true desires. To put it mildly, this couldn't be more wrong.
If asked clearly and given time to think and produce a deliberate answer, what people say they want is a much better way to determine their values than observing what they do when put in a system designed to influence their behaviour otherwise. The simplest example: a person can be on a diet and want to lose weight, but if we leave a box of doughnuts in the break room every day their behaviour might not reflect that.
And the capitalist economy is one big 'break room with a box of doughnuts.' It's an environment we have no control of, built to modify our behaviour in whatever way is most profitable for the rich. There's obviously a significant disconnect between what people truly want from life and how they end up behaving in capitalism, and to suggest that's not a problem because however they behave is their 'true selves' is an astoundingly stupid oversimplification of human behaviour. It's logically akin to arguing drug addiction isn't a problem because the addict chooses to keep doing drugs, which proves that must be what they want.
Most people fall into traps they'd vote against if they could. Like how supermarkets put all those impulse-buy candies and chocolates near the checkout till, or put common staples like rick, milk, or eggs at the very back of the store to ensure you have to walk through all the aisle to get to them. CostCo, the second largest retailer in the world, regularly moves all their inventory around for no fucking reason beyond ensuring people don't know where anything is and they have to wander around the store looking for stuff, because that way they're forced to walk by and look at more products, and on average end up buying more. Can you imagine if we had an economy that was designed to be efficient, instead of there being whole industries dedicated to this kind of manipulative bullshit?
And capitalists love peddling addiction. Tobacco isn't as cool as it used to be in the West, but it's still a huge problem in some countries, and nicotine products are making a comeback. Meanwhile, alcohol is still going strong. Where I live, they've been putting beer and wine in supermarkets now, predictably always near checkout. And let's not forget sugar and caffeine are highly addictive, and many products have both, including products marketed to children. Did you know in the USA, obesity has doubled over the last two decades?
Gambling can be addictive. That includes not only predatory bullshit like casinos and lotteries (which should all be burned to the ground), but an increasingly large part of the video game industry, as developers incorporate more and more gambling elements into popular titles to better manipulate people into spending money they'll regret.
Pornography is addictive. Food in general can be an addiction. Arguably shopping, consumption, the thrill of going out and spending money and getting to open new things, can itself be an addiction.
This could veer off into a debate about when exactly a behaviour becomes an addiction, but the exact application of that terminology is far from the point. No, the point is how in the moment of consumption, people aren't as rational and in-control-of-things as it's convenient to portray them. So much of our consumption is impulsive, irrational, and manipulated for the benefit of producers. A system where normal people were able to exert actual control over production would naturally be much, much better at determining what things people truly value than what we have.
And as far as I could tell that was the best critique of the survey idea they could muster.
submitted by Hheaut to CapitalismVSocialism [link] [comments]

Matched Betting Extra Place Horse Racing - January 21 Profits - £4,707 on top of Full Time Job

Hi all,
I thought I would share my profits for Matched Betting Extra Place Horse Racing for Jan 21. January 2021 has turned into my best month of Matched Betting since I started way back in Summer 2018. This months profits are roughly £4,707. A life changing figure for many and a great figure seeing this is achievable on top of a full time job. Matched Betting is the only decent side hustle I have actually found, compared to doing hundreds of boring online surveys...yuck! (Unless you are a good business person / have 5 lodgers / lots of family money etc.) To see some of my other Matched Betting profits you visit my site: https://cashontheside.co.uk/
I will be investing some of my profits this month in ETF/Shares and putting into house improvements like a new drive way. In addition with Cheltenham horse festival coming up in March, I will be increasing my bank to cover liabilities.
The bulk of my profits came from Extra Place racing, large underlayed winners and BOG (best offer garuntee). Variance was certainly on my side this month and I must have had at least 10 large winners which won upwards of £1600 pounds per bet. As I underlay my bets I made more profit than If I had fully layed of the bets. About 5% of these profits came from low risk casino. After you have completed all welcome offers...in Matched Betting. Ep's become a gold mine...and I truly recommend them to anyone.
Some more of my bets this month illustrating underlayed bets and ep:
https://cashonthesidecouk.files.wordpress.com/2021/02/winnings4.jpg
https://cashonthesidecouk.files.wordpress.com/2021/02/winnings.jpg
https://cashonthesidecouk.files.wordpress.com/2021/02/another-winner.jpg

Images of one of my bets illustrative of Best offer guarantee: https://cashonthesidecouk.files.wordpress.com/2021/01/136707133_10159536662702922_8507610622687908137_o-1.jpg?w=544
For those who are starting out on their Match Betting journey in 2021 these sort of figures are achievable to you once you have experience….unfortunately this will not come overnight! I do put a lot of time into it..between 2-5 hours a day, 7 days a week sometimes. For the average person you could earn at least £500 a month.
To learn more about Match Betting please visit my article Boost Your Income with Matched Betting. Alternatively you can start an Odds Monkey free trial where they will teach you step by step and give you the calculators you need: odds monkey trial https://www.oddsmonkey.com/affiliates/affiliate.php?id=64754(affiliate) or www.oddsmonkey.com. (non affiliate)
To those with a little more experience who want to learn about Matched Betting Extra Places you can visit my guide here Extra Place Match Betting tips here or I have copied and pasted it all below.
For those with Matched Betting Experience - my guide and tips to Extra Places:
What is Extra Place Matched Betting?
Extra Places can be a very lucrative technique to learn. Extra Places are available for us to do pretty much every day, increasing the appeal. Extra Place Offers are available to all customers. This means that even if you get gubbed with a bookmaker, in most cases, you can still make money with them by Matched Betting on their Extra Place Offers.
Extra Places are considered an advanced reload offer, as they not risk-free. However once you have gained some experience on more basic horse racing offers, you can start to take advantage of the lucrative profits available. It may sound complicated but as soon as it ‘clicks’, it becomes simple. Essentially we are taking advantage of the bookies and exchanges paying out if the horse you have backed comes a certain ‘place’ in a race e.g. 4th.
Extra Places combined with additional offers such as BOG (Best Offer Guarantee) can mean additional profits. For example, you back a horse at odds of 15 and then the starting odds move up to 23. If that horse wins you win an extra x8 on your bet. You can see some real life scenarios I found of Extra Place combined with BOG below. Depending on the size of the underlay, profits below would range up to £3,000+

What is a ‘place’ in horse racing?

Quite simply a ‘place’ is the position the horse finishes a race in. For example if a horse wins a race it comes 1st, if a horse comes 2nd its 2nd. In some races with a large number of horses some bookies will pay out if a horse finishes the race in 1st, 2nd, 3rd, 4th, 5th and 6th position. Horse Racing festivals such as Cheltenham or Ascot are particularly well known for this.

What is an ‘Extra Place’ in horse racing?

Now we’ve understood what a place is in horse racing you may have probably already guessed what an ‘extra place’ is going to be! An ‘extra place’ is where the bookies add one (or more) additional places to their standard place classification on a particular race. For example they may offer to ‘pay 7 places on a race’ instead of the standard 3 places. The ‘extra place’ in this instance cover 4th, 5th, 6th and 7th.
What are my Extra Place top tips?
  1. Some of my biggest profits have come from big underlayed winners and BOG. I typically underlay most of my bets by about 20% sometimes more. If you are starting out I would underlay on the place only by about 10% to play it safe until you learn more.
  2. Don’t bet on more places than a bookmaker is offering. E.g. If the bookmaker is offering 4 places don’t bet on more than that.
  3. Whilst your learning, take horses on implied odds of at least 12 or more on a match of 80%+.
  4. Look to keep qualifying losses down. E.g. for £100 profit, £5 ql.
  5. Please note, the best odds are typically found between 10 minutes up and to race time. You have to be quick on your ‘toes’…learn to walk before you run etc. Start out on easy horse racing officers before doing extra places.
  6. You will need a bank of at least £1000+ for your exchanges, ideally more. The more you have the more of the field you can cover. You can do EP with several hundred in your exchange but you won’t be able to make bigger profits.
  7. Be consistent, don’t take risks, don’t chase your losses and learn from matched betting extra place forums.
  8. Keep the Odds Monkey up throughout the day...and check for good matches.
  9. Use Bookies Boosts to increase your odds and matches.
  10. Do not give in to your fear of missing out on offers…Tomorrow is another day.
  11. Have at least a dual monitoscreen setup. It is important to be able to see exchange, books and calcs.
How do I find Extra Places offers?
I use the the Odds Monkey Extra Place Matcher to find the best opportunities for profit. The Matcher is explained in the below video.
https://youtu.be/oOKAdiSJidg
I am also a regular visitor of the active Odds Monkey community forums. You can sign up for an Odds Monkey free trial today here today https://www.oddsmonkey.com/affiliates/affiliate.php?id=64754 www.oddsmonkey.com (non affiliate). Odds Monkey provide you with the all guides, calculators etc. I have been a member for over 2.4 years now.
Feel free to get in touch or ask below if any questions.
submitted by After-Asparagus1815 to beermoneyuk [link] [comments]

USA Today article

'Looking down their nose at you': GameStop frenzy showed a fresh contempt for hedge funds. Why do Americans hate them? Updated 2:25 pm EST Feb. 11, 2021 In the middle of a pandemic and slow economic recovery, Americans think they’ve identified their Wall Street villain: hedge funds. Their nemesis is summed up in a few searing images: a hedge fund manager who makes millions betting that the subprime mortgage market will collapse, without warning them. Or another relaxing on a yacht as the economy tanks. Years of anger culminated late last month when a group of angry small-time investors on Reddit took on a few of those firms in the GameStop “short squeeze” frenzy. That spurred millions of others to join in, as their effort to drive up the price of a stock perceived as undervalued soon shifted to a campaign to “Stick it to Wall Street." They used the "squeeze" to rally the share price and make profits for themselves while forcing the hedge funds who had bet it would fall to buy it to prevent greater losses. What are these funds, and where does this resentment come from? Hedge funds, known for using higher risk investing strategies, are private investment vehicles that typically wealthy individuals use to get higher returns. They control more than $3 trillion in assets globally. They've angered many Americans by gutting companies such as former American retail icon Sears, causing layoffs and engaging in questionable financial practices that contributed to the near collapse of the U.S. financial system in 2008, experts say. 'This is life changing': Meet the Redditors behind the GameStop saga “Most people see it as guys in suits looking down their nose at you,” says Adam Bixler, 28, an active user on the WallStreetBets Reddit forum, whose members led the charge against the funds. “How I feel is probably how a lot of people feel when thinking about the financial crisis and the massive wealth inequality that exists in this country.” Radio Shack, Toys ‘R’ Us and Payless ShoeSource, along with mall-based retailers such as the Limited, Wet Seal, Claire’s and Aeropostale faced further financial woes after hedge funds and private equity firms loaded them up with debt. A fight is raging in the stock market: Should you worry about your 401(k)? Where to get vaccines: CVS, Walgreens to begin delivering COVID-19 vaccines on Friday “The idea that you can crack open a hedge fund like a piñata and redistribute all this money to people in the form of a short squeeze is very appealing,” says Bixler, who lives in Boonton, New Jersey, and works as a product manager for a company that makes software and tools for the advertising industry. “These are the stimulus checks that everyone wanted.” Proponents of hedge funds say the firms identify and support distressed industries such as retailers and newspapers. These funds are owned by groups of big investors pooling the savings of millions of unionized workers, such as teachers and firefighters, who count on hedge funds to grow and protect their nest eggs. Even so, hedge funds are viewed as vultures by many Americans. Kaysha Apodaca, an emergency room nurse in Dallas, was furious last summer when she lost thousands of dollars after CytoDyn, a biotechnology company she owns, was hammered following a negative report from a “short selling” research firm, about one of CytroDyn's drugs in clinical trials. The post with the research was later pulled. This year, Apodaca thought she missed the opportunity to jump in and buy GameStop or AMC, so she supported the Reddit campaign against hedge funds by investing a few thousand dollars into shares of Nokia, another beaten-down stock discussed on the forum. “I hate hedge funds. Even if this goes to zero, I’m OK with it. I’m not selling, just to prove a point,” Apodaca said. “Hedge funds have unfairly made money off retail investors for years. Now they’re getting a taste of their own medicine.” For Iris Findlay of Orlando, Florida, joining the movement was a way for Americans to show their strength in numbers. “I’m definitely not OK that there are so many billionaires hoarding their wealth while people are struggling, especially during the pandemic,” said Findlay, 31, who is disabled and retired from the Air Force. A large portion of hedge-fund assets are owned by institutional investors, such as pension funds and endowments. Hedge fund research has been critical in exposing an array of accounting fraud scandals in recent decades, including the one involving energy firm Enron. “Hedge funds do play a very important role in the financial ecosystem, but at the same time, they have a PR problem,” says Andrew Lo, a finance professor at MIT Sloan School of Management. They are an easy target, experts say, because some high-profile managers' massive wealth offends Americans who struggle to make ends meet. Michael Burry, founder of Scion Asset Management, is an investor whose billion-dollar bet against the housing market was chronicled in Michael Lewis' book "The Big Short." He personally collected $100 million and made $750 million in profits for his investors. These managers “are seen as multibillionaires that really don’t care about the public good and are focused on enriching themselves and their investors,” Lo says. “But I think that’s a caricature, especially given that hedge funds now have become much more institutionalized as pension funds and endowments are investing in these financial vehicles.” Who do Americans blame? When asked who was the “most in the wrong” in the trading mania that set off one of the biggest short squeezes in history, nearly half of Americans polled said it was either hedge funds (27%) or online brokerage Robinhood (22%), according to a Harris Poll survey conducted Jan 29-31 that was given to USA TODAY exclusively. Just 8% said it was the Reddit retail investors on the WallStreetBets forum, who angered hedge funds that had bet GameStop's stock would remain low. The small-time investors used the forum to help drive up the prices for shares such as GameStop, theater chain AMC Entertainment and several other companies. Many respondents were angry that hedge funds were shorting stocks – betting that the share prices would fall – of companies that average people use and love, according to John Gerzema, CEO of the Harris Poll. “This wasn’t just an attack on a few weak companies,” Gerzema says. “These are companies that are a part of middle-class America and ordinary people’s lives.” How did these funds begin, and how did they grow into such big villains in the minds of so many? What are hedge funds? Hedge funds are financial partnerships between a professional fund manager and investors who pool their money into the fund to earn active returns. Hedge funds can be traced back to the 1940s when Alfred Winslow Jones, an investor, sociologist and former Fortune magazine writer, created a "hedge" by “shorting" stocks he thought were poised to fall. The "hedge" was meant to reduce risk and protect against market fluctuations. It was unconventional at the time but remains the basic strategy for these funds. Hedge fund strategies today are more diverse and run the gamut of extremely risky to fairly conservative. There's another theory about the origin of hedge funds, and this one is connected to a more beloved figure. Some people credit the founding of hedge funds to Benjamin Graham, a mentor to Warren Buffett and the author of "The Intelligent Investor" – the bible of everyone who loves Buffett's method of investing. Buffett, one of the world's richest people and a folksy inspiration to small-time investors, argued that Graham managed a fund with a "hedge"-like strategy in the 1920s. So you made a bundle on GameStop: Get ready to pay the taxes How did hedge funds evolve? Hedge funds have gained in popularity over the past two decades after many of them delivered hefty outsize returns in either up or down markets, an attractive selling point for savvy investors. Some of the world's largest hedge funds include Bridgewater Associates, founded by billionaire Ray Dalio; Renaissance Technologies, founded by billionaire Jim Simons; and Pershing Square, run by Wall Street billionaire Bill Ackman. They have historically charged much higher fees than mutual funds, which are professionally managed funds that invest in stocks, bonds or money market instruments. Since hedge fund managers are nearly always paid a performance fee, or percentage of the gains they create, they have a strong incentive to make money for their investors. For the hedge fund managers to earn performance fees, their investors have to make money first. Hedge funds charge an expense ratio and a performance fee. The common fee structure is known as two and twenty – a 2% asset management fee and a 20% cut of generated gains. How did they become villains? While many Americans lost money during the depths of the financial crisis, some big-time investors did astonishingly well, including those who predicted and profited from the buildup and collapse of the housing and credit bubble in 2007 and 2008. For those Americans who had their livelihoods upended in the financial crisis, it left a bad taste in their mouths, experts say. “They’re associated with ruthless financial institutions that are out there to make money and not care where it’s coming from,” says Itay Goldstein, a professor of finance and economics at the University of Pennsylvania's Wharton School of Business. A big winner from that time is billionaire investor John Paulson, a hedge fund manager who netted $20 billion in profits when he bet against subprime mortgages at the peak of the credit bubble in 2007. In general, short sellers keep stock prices in check by voicing their opinion on where they believe a stock is valued, says Dennis Dick, head of markets structure and a proprietary trader at Bright Trading in Las Vegas. “I’m concerned with this public image that ‘evil short sellers are betting against America’ and that it’s ‘un-American to short stocks,’” Dick says. “It’s not like every short seller is making bets against America. They’re making calls on whether a stock is overvalued or not.” GameStop: Reddit ran a 5-second Super Bowl ad in honor of WallStreetBets, GameStop stock volatility The hedge fund industry has faced a rough stretch in recent years and underperformed the broader stock market but produced its best return in a decade at 11.6% in 2020, according to data provider Hedge Fund Research. Some received a boost from shares of technology firms and companies that focused on goods that people used when stuck at home during the pandemic. Americans who don’t invest directly in hedge funds still receive a benefit from the returns that hedge funds generate, according to Daniel Smith, a partner at ACA Compliance Group, an advisory firm for financial services. Of the $4.5 trillion in state and local pension plans, about 6.9% is allocated to hedge funds, according to data published by the Center for Retirement Research at Boston College, the Center for State and Local Government Excellence and the National Association of State Retirement Administrators. ”Hedge funds help secure the retirement of more than 26 million teachers, firefighters and other public employees by helping pensions navigate all market conditions and meet long-term financial obligations,” says Bryan Corbett, president and CEO at Managed Funds Association, a hedge fund lobby group. GameStop and questions of power The rollercoaster involving GameStop, Reddit and Robinhood has prompted Capitol Hill’s harshest criticisms of Wall Street in years. Several prominent lawmakers on Capitol Hill have warned of such moments, cautioning that companies and hedge funds have too much power. One of these lawmakers, Sen. Elizabeth Warren, D-Mass., who is well known for her disapproval of Wall Street, called on the Securities and Exchange Commission (SEC) to address the dramatic swings surrounding these companies. Warren wrote in a letter that it is “long beyond time for the SEC to act” and asked it to investigate the rallies in GameStop, AMC Entertainment and others that “have seen huge shifts in their share price driven by similar internet reading schemes.” "These wild fluctuations are just the latest indication that many private equity firms, hedge funds, and other investors, big and small, are treating the stock market like a casino, giving little consideration to the companies, communities, workers, and consumers that may be affected by these risky bets," she wrote. The House Financial Services Committee will hold a virtual hearing Feb. 18 regarding “recent market volatility” involving GameStop and the other companies. According to Politico, the CEO of Robinhood, Vlad Tenev, is likely to testify. GameStop-Robinhood stock revolution: Not a secure retirement plan Does the movement have legs? Questions have been raised as to whether the populist movement threatening to disrupt the financial system will be sustained. It’s too early to tell, experts say. “It has the potential to gather momentum. It depends on whether we see other related episodes in the next few weeks that show the same kind of patterns in the financial markets," Goldstein says. "We live in a period of so many unusual things going on that it will probably take the edge off this event." Hedge funds such as Melvin Capital Management took the brunt of losses from soaring stock prices of GameStop and other heavily shorted stocks. Others made a ton of money on the rally, including Senvest Management, which had a profit of nearly $700 million, The Wall Street Journal reported. “Is it sticking it to Wall Street? Only temporarily, but in the long term probably not,” Goldstein says. “At the end of the day, the sophisticated financial institutions will find ways to recuperate and make money out of this.” Lo of MIT agrees. “This incident highlights the growing dissatisfaction, distrust and dislocation that many people feel with respect to the financial sector,” Lo says. “It suggests that people are sick and tired of being disenfranchised and being pushed around by large financial institutions.” Contributing: Savannah Behrmann
submitted by Immediate_Poetry_709 to Wallstreetbetsnew [link] [comments]

Wondering if anyone else thinks Reno should just go back into quarantine for the next three weeks now?

As a Reno resident, I’m afraid that it seems like no one took the Governor asking us to please stay home seriously.
My girlfriend is a nurse, so I’m hyper aware that this is definitely real.
I’m worried that people who are fighting these requests, may not understand how bad it is. The GSR is pretty busy tonight, as was the casino I work at. And it seems from what I observed on the floor doing a survey regarding social distancing requirements ignored by close to half the guests. Security were constantly asking people to please put their masks on and folks kept sitting right next to each other.
This isn’t really a popular idea, trust me I knock out my job by us doing it. As I see it we should have dropped into phase 1 last week sometime. If the numbers didn’t slow I would say putting us in quarantine and essential businesses only for three weeks right now might do us all good as we wait for more vaccines to be put into emergency use and we slow who is becoming infected By isolating everyone we can now.
I am quite aware that our economy is severely damaged right now. I know businesses need to be open to make money, I’m fairly certain that no one thinks we want to stay open so our guests and patrons can get sick and possibly die. So we sit at this crossroads, and I ask you all the question that needs said.

What are we gonna do?
We gonna fight about it, drag our feet and lose more people. People we know and love.Maybe we can stop the us and them mentality and decide together to stop this outbreak as a city, county, and state.
just an idea.

**update**
with California making new restrictions and Oregon going into quarantine if you enter or leave the state. I would say the welcoming tourists to gamble may not be our leaders working on the same page.
STILL THE SAME QUESTION!
Should we preemptively just drop into stay at home Full quarantine and press the government to move and help people in every way including pay and insurance with evictions pushed out again?
submitted by Jthemadprofe550r to Reno [link] [comments]

The truth about the dbrand Grip...

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

PART ONE

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

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

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

PART TWO

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

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

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

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

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

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

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

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

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

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

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

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

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

PART THREE

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

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

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

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

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

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

TL;DR VERSION

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

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

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

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

HOW YOU CAN MAKE MONEY ONLINE IN 2021

HOW YOU CAN MAKE MONEY ONLINE IN 2021


HOW YOU CAN MAKE MONEY ONLINE IN 2021
It seems this pandemic we have been hit with has had a big effect not only in our health but also with our jobs and income, With lots of us now looking at how to make money online and in particular ways to make money at home. Learning how to make extra money online is more important than ever seeing as lots of people, Me included still are not that keen on leaving the house.
Would you like to know how to make extra money online and earn an extra £500 per month on top of your normal wage?
If you are looking for ways to make money at home and in particular how to make money online then this is the post for you.
All of these methods I have used personally and I have always made money from them.
It seems weird writing 2021 but after the year everyone on earth has had in 2020 I think everyone is looking forward to moving ahead. What better way to move ahead than to take on new ways to make money at home and in particular an extra £500 per month on top of your normal wage.
Some of my posts may contain affiliate links. This simply means if you purchase something after clicking one of the links I may receive a commission at no extra cost to yourself. Many thanks for the continued support.
So without further ado lets jump in and see how we are going to go about making that extra money online.
1: MATCHED BETTING:
I have said this before but putting it simply Matched Betting is the number one when it comes to the easiest way to make money at home. If you are not making extra money online by using Matched Betting then you are missing out on some serious extra cash.
Matched betting is the action of placing a for and against bet on a football team or other sport and using this to gain the bookmaker bonuses. It is 100% legal and is netting some people up to £1500 Per month. When looking around for how to make money online this comes top of most google searches.
There is a mom I know on one of the Matched betting forums who is earning approx. £1200 per month from the comfort of her own home while her children nap.
It’s crazy and sometimes I feel people ignore this as they just think it is normal betting or it is not entirely legal but trust me it is.
If you are interested in learning a bit more then check out my guide on Matched Betting, it goes a bit more into how it works. This is my main way of how to make money at home and it has worked really well for me. I even taught a friend how to do it and he now makes around £400 extra per month in his spare time.
Or if you want to start making extra money online straight away then simply click on the banner below to get free access to Profit accumulator a site which has helped 300,000 customers by showing them how to make money online from Matched Betting.
Profit Accumulator literally walks you through each matched bet with full text and video guides to and will have you making extra money online in an hour or so. Check them out.
2: VIRTUAL ASSISTANT
So if you do a search on how to make money online I’m pretty sure that Virtual assistant will be close to the top of the search options.
There is a very good reason for that. We are now living in an ever-increasing digital age and this is getting more and more common especially with the pandemic as companies are working out that it saves them money having their staff work from home.
This also means lots of businesses will need digital assistants or Virtual assistants to assist them with their day to day business needs.
So how do I start making extra money online from being a virtual assistant and what will I need to do?
A virtual assistant could do any number of tasks online such as answering and replying to emails. Creating Facebook adverts, Decluttering emails, Setting up meetings and or organizing an online diary.
There are plenty of virtual assistants who specialize in certain areas and I know of a couple of VA’s that specialize in making Pinterest pins for a blog and scheduling them out.
Assuming you have a laptop or pc and a good internet connection as well as some personal skills such as good literacy, typing skills and organizational skills then you should have the basics to get started.
Rebecca Lake over at Bosssinglemama.com has a great guide to getting started as a virtual assistant as she has great first-hand experience in this field. Go check it out.
3: SELL GOODS ON EBAY
Let me add before I get started that I hate eBay, Don't get me wrong I have made money with eBay and from time to time it is a good way of earning some quick cash but out of all the ways of how to make money online, this is one of my least favorites.
The reason is simply that there are lots of stupid people out there who bid for no reason or argue the item didn't arrive or is not as described and this can be annoying as well as very time-consuming.
Don’t let this put you off though as it may have just been my experience but it’s not for me. However, if you are looking to get started with ways to make money at home then this is a good a place as any.
The best place to start making extra money online with eBay is to have a clear out around the house and get together all the stuff you are probably thinking of just throwing out.
Have a search around the site and see what other people have listed these types of items for. Once you have sold your stuff you can then reinvest that money by buying some packing products off the site and then look for stuff to buy and resell.
Look around at car boot sales and thrift stores to get your bargains and then relist at a profit on eBay, Don’t forget to add the cost of your eBay fees and Paypal fees into the equation. When I first started looking at how to make money online eBay was one of the first places I came to.
4: CASINO OFFERS
Hold on, I’m not suggesting you go down to your local casino. That is not a great way to make money, In fact, your more often than not lose all of your money.
This is a cheeky way of gaining profit from the online casino bonuses offered to new customers. It works in a very similar way to Matched betting in that new bonuses are offered out to new customers and with a bit of background knowledge and trickery, you can obtain most of the profit from those bonuses without losing any money.
It might sound too good to be true but it is from the brainchild of the guys over at Profit accumulator.
Quite a lot of money earned within a day or two.
Simply sign up with Bonus Accumulator, and they will walk you through your first couple of casino offers and then you will get access to their site which includes guides for all online casino offers as well as a very good forum for members.
Sign up below and see how easy it is to make a good consistent profit. When I was learning how to make money online I didn’t have something as easy and accessible as Bonus accumulator. Hit the link below to learn more.
5: PINTEREST VA
As with being a virtual assistant as I mentioned above, you could also specialize in one certain area if you are looking at how to make money online.
Pinterest is essentially a search engine and requires not only great titles and descriptions but also very good graphics and visuals that stand out from the crowd when your potential customers are scrolling through it on their phone.
This is where the problem lies for most bloggers or business owners, we are not overly creative and have probably not used graphics sites such as Canvas before.
Luckily I have used Canvas and have now got pretty good at it, however, in the beginning, a Pinterest VA would have been very handy. A Pinterest VA can not only create pretty pins linking back to your site or blog but also they can schedule them out for you saving you more time to concentrate on other areas.
My advice when trying to start out is to join some blogging groups on Facebook and create a profile. Then just put yourself out there. As a new VA, you could always offer out your services very cheaply just to get some experience behind you.
Kristin from Believe In A Budget has a great post here on how she became a Pinterest VA and how to make money online from learning how to do it yourself.
6: OFFER SITES
OHMYDOSH:
Making extra money online and more specifically making around £500 per month is no easy feat. Offers sites are great at making you £20 here and £30 there but to do £500 per month you will need to combine 2 or 3 of these sites and hit them hard. It is possible though. You can certainly make £250 per month easily.
When looking back at what I did when I was working out how to make money online as I found offers sites and the first one I came across was OhMyDosh.
Offers sites are basically cashback sites that reward you with cash into the account when you sign up for certain things or do simple surveys etc. It is super easy and you can very quickly in one afternoon make a cheeky £50 or so with very minimal effort on your part.
OhMyDosh is one of the easiest offers sites to navigate in my humble opinion. This makes all the difference as well when you are new to the site so I stuck with OhMyDosh for quite a while.
You can sign up here for OhMyDosh if You use my special link you will also get a £1 sign up bonus for free. A nice little start to your profit without having to lift a finger.
Pin This For Future Reference:
SWAGBUCKS:
Swagbucks is a very similar website to OhMyDosh accept it is a little more well known. You simply complete offers and surveys in exchange for Swagbucks which when you hit a certain amount of you can exchange for gift cards etc.
It can get incredibly addictive as Swagbucks have a few daily targets for you to hit and achievements along the way. It becomes your goal to hit those achievements every day.
If you sign up using my Swagbucks Link you will receive 300 Swagbucks for free. What a great way to start towards earning your first gift card.
Swagbucks also have a chrome app button which you can install on your computer which can help you earn more each day giving you greater chances of earning some fantastic gift cards for yourself or your loved ones.
INBOX POUNDS:
Inbox Pounds is the last site you should try in the offers sites. When It comes to making extra money online then combining the 3 offers sites I have mentioned is the best way to maximise your income. Some of the offers will be the same but just skip those and move onto the next one.
Inbox pounds also has a different variant called inbox dollars for our friends across the pond.
The easy stuff is a section that I like on Inbox pounds whereby you can go on and answer easy questions or a simple survey for between 50pence to £1.50. You will be surprised how quickly these all add up.
Dont miss out on making extra money online and earning some really quick cash, sign up using my referral code and start earning now.
7: BLOGGING
Blogging is one of the top answers when searching for how to make money online. Although blogging is not a quick way to make money and it is certainly not the easiest it is one of the more rewarding ways to make money at home.
If you are starting a blog just to make money you need to know that for most people it can be more than a year before they start seeing income and for others maybe less.
It really does depend on how much effort you put into your blog. Take my blog for example. I work really long hours in my main job and a lot of the time I dont work on my blog until the weekend and then I am tired so just dont put too many hours in. It took me around a year before I started earning money.
Other people may put in 4 or 5 hours a day every day and they will progress faster. With blogging though and when it comes to making extra money online with your blog, you need a bit of patience.
If you have a passion for something then it is usually quite easy to turn this passion into a blog. It always helps if whatever you are writing about is something you really enjoy.
If this is something that sounds good to you then I have written a few blogging guides to get you started here. Starting out blogging can be a bit of a minefield so I’m hoping these guides help.
You can start your very own blog from as little as £5.99 per month.
Siteground is who I use to host this blog and I have found them really great to work with. see their link below.
Seeing as starting a blog is so cheap then there is nothing to stop you making extra money online from your new blog.
8: BECOME A PROOFREADER
If you are always looking at how to make money online and keep seeing the same old stuff then try learning about how to get paid to become a proofreader. This is one of those great ways to make money at home by simply using your computer.
Here in the UK I occasionally read a newspaper called the daily mail. I read it via an online app and every single page I read has grammatical errors and misspellings and it drives me mad (Frantically goes back through this post to look for misspellings!!)
They clearly dont have anyone proofread their posts before they go onto the app and it makes me not read it as much. Im sure this is that same for other people.
This can lead to you losing business so paying someone to Proofread emails, documents and other such media can be valuable and companies will pay you to to do this.
Getting started Proofreading is a little harder but I would suggest setting up some profiles on sites such as People Per Hour Fiverr.com or Upwork. You can then offer up your services cheaply which will help if you have no experience.
A lot of proofreading jobs will need you to have a degree unfortunately however there are lots of free courses online to help you get a good feel for Proofreading and can give you some background knowledge.
If you love reading and spot mistakes easily then proofreading can be a great way of making extra money online. Read this beginners guide here and see how you feel about it.
9: TEACH ENGLISH ONLINE
It sounds like you need to go off and get some kind of degree but trust me you don’t. You already have the gift of being able to speak perfect English and if you are looking at how to make money online then that is the skill you can use to do exactly that.
I found out about this when my wife and I were hosting foreign students at our home. We got chatting to them and one group, in particular, said that a lot of the older students already speak good English but were struggling with conversational type language and how to sound more natural which must be an incredibly hard thing to do.
They said that a lot of the students pay up to £20 per hour just to chat to you online and for you to give guidance on how they can sound more natural with their day to day chat. It sounded like a great idea of how to make money online so I got more information from them.
Lots of companies are looking for people just like you to teach their students English and to reward you well for doing just that.
It can all be done from the comfort of your own home with skype or in a zoom type meeting. Make sure to provide yourself with a quiet room and make sure there are going to be no distractions such as mobile phones going off or family members popping their heads in.
So where do you go to find out more information and start making extra money online? Well, Education First is the biggest company and one im sure you will have heard of.
You can build your own schedule although it does have to fit in somewhat with the hours the student is available. You can also teach the same student each time so you can build up a rapport and have a little fun with it.
Click the link above and learn how to make extra money online by teaching students.
10: PUBLISH AN EBOOK
With that handy website Amazon, you can write your own E-book and publish it on their site. The great thing is you dont even need to write it yourself if you dont want to as you can pay people to write it and also get people to design a cover for your E-book as well.
The best way to prepare is to do a search on what keywords are doing well on searches within amazon and then base your E-book around those. As long as you are helping people learn something or solving a problem then you should see sales quite easily.
It might help if you put your E-book up for free for a few weeks to gain some interest and some good reviews before applying a price.
This E-book right here is the perfect example. How to write an E-book and sell it on Amazon step by step guide.
Just remember you do not have to be an expert in something just a little more knowledgeable than your average Joe.
11: FREELANCE WORK
In the current economic climate, we all find ourselves in, it makes sense to look for ways of how to make money online. Freelancing with skills you already have in your day job or skills you have in your hobbies can translate quite well when it comes to making extra money online.
You can create a profile on sites such as Fiverr and Upwork and list the skills you have. You may be able to use a program like Canva really well to create Pinterest graphics or Wedding invites.
There are people on Fiverr who get paid to play video games with lonely people which is a bit weird but shows that if you don’t think you possess a skill then you are probably wrong.
FINAL THOUGHTS ON MAKING MONEY ONLINE IN 2021
This global pandemic has taught me one thing and that is the importance of making extra money online and having a passive income is paramount.
How to make money online is now a more searched for term on Google now then it was at the beginning of the year.
Everyone’s jobs have been and still are at risk and to have a second or third source of income is like a safety net in case the worst happens.
Make sure you pick and try one of the making extra money online tips from above and see how you get on. I would love to hear some progress feedback in the comments.
submitted by Faysalmahmud45 to MAKEMONEY2021 [link] [comments]

Let me introduce you our research about bettors' behavior during the COVID-19

The coronavirus pandemic that swept the whole world in 2020 has, in one way or another, affected all betting offices. It seems that we have survived the first wave, but it is completely uncertain what will happen next. Uncertainty is the main catalyst for global crises. But right now, the price of competent analysis and objective assessment of probabilities is increasing. And this is exactly what we are doing here at Bethub.bet
To get more data on the situation among the players, we spoke with our users and asked them a few questions in order to understand how much and to what extent the pandemic has affected their financial situations and preferences in the game.
The first question was not related to bets – it related to the impact of the pandemic on the financial situation of our users: “How has your income changed during the pandemic?”

The next question we asked was, “How has your sports betting spending changed during the pandemic?”

To understand how the game itself has changed, we asked users “How have your gambling preferences changed during the pandemic?”

One of the most important questions that interested us was, “Did you use credit for gambling during the pandemic, even though you had never used it before?” It’s the use of borrowed funds that is one of the main markers of gambling addiction and one of the biggest negative impacts of gambling on the player.

The indicator seemed to us too high, and we thought that the survey participants might have inattentively read the question and answered only the first part of it. As we were interested in the impact of the pandemic, we decided to reformulate the question and divide it into two simpler ones:
  1. Did you use loan funds for betting before the pandemic?
2. Did you use loan funds for betting during the pandemic?
All research is here
submitted by bethub-bet to sportsbook [link] [comments]

My Experience with a Timeshare (Wyndham) Sales Team in Vegas

I'm writing this because the Reddit threads on this topic are outdated and more people should know what I now know about the "new" timeshares. This is what it's like to be on the receiving end of a Wyndham timeshare sales pitch. Here goes:
I vaguely knew what I was getting in to. My girlfriend and I arrived at an MGM owned casino. We get a bite to eat and as soon as we began our exploration of the Casino someone approached us offering vouchers for free play in the casino worth $75. I'm usually hesitant to ever get sucked into something like this but my girlfriend insisted that we do it. "They give it to you for showing up, we'll just say no, I've got friends who did this too, etc." I went along and decided to keep an open mind about it.
We talk to this guy who convinces people to attend this "seminar" for two hours and you'll receive the vouchers, plus a hotel room for a few nights from a selection of locations, plus free breakfast. He insists that all you need to do is say "no, not interested" once the 2 hours are up and you can just leave with your vouchers. Obviously his incentive isn't to sell anything but fill the buses with as many people as possible.
The next day we get on the bus to the seminar location. My initial thought was that we'd all crowd into a room and watch some presentation before given the opportunity to bounce. I was caught off guard when every couple was assigned a salesperson. We meet our salesman and he immediately compliments us, is incredibly impressed by any of the words we string together, and has now become our fake best friend.
We go into the presentation and the speaker does his thing. And everyone here should be aware that much of what he said was true, but his conclusions were abhorrent. He pointed out that in America we do not use all of our vacation days. We tend to waste them. We are also constantly putting off that one trip to our dream destination to "someday", but "someday" never comes. Next, he points out that most people, dying people, regret working so much and wish they spent more time with their families. These are true facts.
But then he concluded by suggesting we should all buy into this program which will allow us to take these dream vacations. It was the kind of sound financial advice you'd expect from someone who would directly benefit from the purchase and would never hear from you again.
I want to note, the speaker was talented and entertaining. He was loaded with jokes, self-deprecating humor. It was funny, but holy shit. Looking around the room were the salespeople with the obnoxious fake laughter. They saw this probably a hundred times. It was creepy. It was surreal. 1/3 of the audience was in on the sales pitch.
The salespeople used every joke as an opportunity to measure the responses on the faces on their paired couple. The speaker would crack a joke and all the sales people would simultaneously throw their back out laughing before turning to the couple they were with to see if they were laughing too.
There were no opportunities for me to speak with my girlfriend without the salesman eavesdropping. The presentation moved fast enough that looking anything up seemed like too much of a distraction. As skilled as they seemed at controlling my behavior, the whole thing was throwing up red flags.
Anyway, the presentation ended and our salesman led us to a table. On the way over there were other couples sitting out in the open with their assigned salesperson. They seemed excited about what they were hearing and excitedly signing papers. It was...weird.
We sit down and the salesman goes through the program in more detail. Here's where I get genuinely turned off. I work in IT, I'm about to finish my bachelor's degree, I don't think I'm a sucker but my love of science puts me at odds with a person who's giving me overwhelmingly biased information. He reiterates all of the great things about this program. He turns to my girlfriend, "what do you think about that?" "It sounds great!" Then he turns to me. "And what do you think about that? Is it something you'd want to do?" And I reply "Depending on the cost, yes, I'd do it!"
Next, he has us estimate the cost of a hotel we normally pay for. Then he asks us how many vacation days we take per year. This is fine and easy math. If the average cost is $115 per night, and you take 10 days, it's $1,150 per year in hotel costs. The "program" (timeshare but they completely avoid the term) lasts 20 years. It's still vague at this part but the salesman insists on focusing on how much we are gonna pay for these hotel rooms over the next 20 years.
Cost per year multiplied by 20 years is 23,000. But that's not the equation they're doing. They're not accounting for interest! Ah! It would be more over that time! How much does it really cost? About $250,000. They estimate that the hospitality industry has an inflation rate of 11%!! Everyone should have it ingrained in their heads that inflation across the entire economy (in America) has been around 3% per year.
He was willing to tinker with the numbers but, generally speaking, we're spending a fuck ton of money on just hotels according to their calculations. And any close observers would note that the number should have been much lower. $1,300×20 years×1.120 = $174,914.99. I could have been wrong in my calculation but their cost estimate was obscenely high.
Disclaimer: As several people pointed out, some of that math is off and I used the incorrect equation (this does not change the conclusions). Here is a better description from a more qualified redditor mowscut:
As an actuary, both yours and their calculators bothered me. No idea where 250k comes from, but your calculation assumes you’re paying the fully inflated price (in 20 years) for every payment. The full value is a simple future value of annuity certain formula which is P[(1+i)n -1]/i where i is the interest, n the number of payments and P the payment amount. This gives 1,300(1.120 -1)/.11~83,000. Which is also a crazy number, but formulaically appropriate.
Then he asks if we have any more questions. Uh, yeah, how much are we talking about here? They never mentioned up to this point how much it costs! But I'm skeptical and the questions I'm asking are things like how do you actually book a vacation? What happens if I change my mind about it? Is it transferrable? The salesman doesn't know the answers to these questions so a higher level salesman comes over. He's very happy to meet us. He loves the outfit I'm wearing. He compliments various other features and, with the limited amount of information I've provided, seems completely ready to compete with the other salesman for the title of my new best friend.
He answers some of my questions but can't provide any documentation to back up his claims. They still won't provide a price but they hand an iPad to my girlfriend to start filling out personal information. I look over and as soon as I see there's a field for the social security number I damn near slap it out of her hands. They were literally going to do a credit check to see how much the cost would be for us! Huge red flag for me. First, the inquiry shows up on your credit report. While that may not be so bad, I want to be informed on making a purchase and at least know a price range before taking that kind of step.
This throws the salesman off. Apparently, no one stops at this part of the process. The head sales guy says it's fine, and offers for us to check out a room which would be the type of room we'd be staying in if we join this program. I still don't know how much this program costs. We go and the salesman leaves my girlfriend and I alone to explore at our own pace.
This is where I frantically looked for the Reddit thread where personal finance gurus say "GET THE FUCK OUT OF THERE, THEY KIDNAP REDDITORS LIKE YOU AND YOUR CLONE BECOMES A SALESMAN". I found a few threads, and they did warn against this, but they were at least a year old and it didn't all seem timely.
I couldn't find costs online either, so I thought to myself "how much per month would I be willing to pay for something like this?" I concluded $45 per month. But I still had misgivings about making a big commitment on such short notice when I couldn't even read anything like a contract. I'd rather go home and read independent reviews so I can be confident in my decision. I couldn't get to that point.
Once again we end up back at the table but this time the salesman has a laminated piece of paper with prices on it! I immediately I see huge numbers and realize why they waited so long to show it. They wanted approximately $130,000 for the total program. It would be $13,000 down to get started, and almost $500 per month.
(Note: when I did the math later, the actual cost we'd likely pay is around what they wanted for the program. But we'd be paying a fortune upfront and have a monthly payment. We could only go to where Wyndham had properties, which was in America or Australia or some islands, but if we wanted to go to Europe it would be through RCI, which cost about $300 per week. That's about the cost of an AirBnB in some locations, so if you're a smart traveller it may not be worth it at all.)
"Would you rather pay this?" The head salesman circles the $174,000. "Or this", he circles the $130,000. Ooga not want pay big number when ooga pay small number instead. I didn't want it. $45 dollars was as high as I'd go.
This is the part where they tried to pit my girlfriend against me in an amateurish attempt at manipulation. First, they go through the list of everything we ever told them about what we liked about the program (before we ever heard a price). They even sneak in a "you should be willing to sacrifice something for it" and gave a few examples like eating out less or having fewer cups of coffee from Starbucks. So I'm telling the salesman that this is way too expensive and once again the head sales guy shows up. He says things like "I thought you said you liked the program? You said it was a 10/10. Are you saying it's not a 10/10? You said you'd be willing to sacrifice for this!" He was getting irritated. Then he turned to my girlfriend and says "it doesn't sound like he's as rich as he says he is". At this point I was infuriated. Best friends don't say things like this to each other. But I held my cool. I looked him dead in the eye and firmly said "I'm gonna pass".
But damn, the manipulation didn't stop and they didn't give up. They leave us alone to fill out a brief survey with a guy who definitely doesn't sell anything. So this guy shows up, introduces himself, and asks us about why we didn't buy it. I was truthful, it was too expensive and I wasn't willing to spend all that for it. I also felt pressured to make a big commitment on something that hours earlier I knew nothing about. So then he offers to sell us a "trial" program. It's a fraction of the price and it only lasts two years. It starts to be appealing, but then it is also limited to certain locations. I ask to see the contract and the guy says "what do you want me to do, sit here and read you a contract"? At that point he gets frustrated and offers to walk us to the exit. It had been 4 hours. We get our vouchers and leave.
Tl;dr: it would have been a bad financial decision.
Edit: There are a TON of stories in this thread from people who have had experiences with timeshares. They are all worth reading!
submitted by Kildragoth to personalfinance [link] [comments]

Joker123 2021 New Coming Slot Review - Viking and Dragon Slot

Online club games engineer Joker123 2021 have made considerable progress as of late, moving endlessly from conventional organic product machine style slots, to undeniably further developed video slot games, and Viking and Dragon is an extraordinary illustration of the exclusive requirement that has now gotten normal from this Austrian organization. Loaded up with 3D pictures of sledges, lance, protective caps and obviously, a Viking, this online slot machine accompanies enough additional items to help you plunder the club of their wealth, by giving you free twists with multipliers, wild replacements and the opportunity to bet rewards again and again. Vikings appear to spring up in heaps of slot games, while winged serpents are an especially hot (sorry), point, yet rarely do they share space in a similar game. The Viking stars on the reels, while our well disposed mythical serpent is kept to a solitary picture at the highest point of the game screen, where the individual in question watches a heap of gold coins and a major money box. Moving slopes show up behind the reels, for a fresh, cleaned up plan which suits the topic.
While Vikings had gained notoriety for being fearsome heroes, they were really a genuinely modern part, at any rate when they weren't caught up with killing individuals, and the red-hairy character we find in the Viking and Dragon video slot just looks somewhat fearsome as he smiles at players from the reels. Like all Joker123 games, this is a reasonable and dependable slot with an exceptional yield to player rate, so he unquestionably won't be hoping to loot from your bankroll.

Paytable Unlocks the Norse Code

A survey of the paytable is a valuable method of seeing what every image is worth and how the extra highlights work. Conventional playing card images 9, 10, J, Q, K and An are splendidly shaded symbols that will restore the lower esteem wins when they land across any of the 25 paylines of this 5-reel slot machine, and you will require at any rate 3 of a sort to show up in a whole succession from the left side, while a scope of Viking-related picture images pay the higher prizes. These incorporate the reinforcement and head protector that our Viking companion wears into fight, alongside his trusty lance and an ornamental sledge which settles up to 100x the line stake when it's across all reels. The Viking is the top image notwithstanding, and when he's on reels 1 and 2 across a payline you win a little prize, while full runs of 5 Vikings pays 200x the line stake, in addition to you get a short activity when he's in a triumphant combo.
Indeed, even the payouts from the Viking could not hope to compare to what you can guarantee when the shield image stops across a line, as it pays prizes going from 12x to 600x the line stake, contingent upon the number of show up, in addition to this is a wild image that will have the option to go about as some other, aside from the money box. In the event that you have a break in a run of images and the wild is in the ideal spot, it will substitute, you actually get a success line, and it's likewise ready to stretch out lines further across to the correct side, prompting higher-esteem blends. Additional wild images can be added aimlessly after any turn, with somewhere in the range of 3 and 15 more positioned on the reels in Joker123 Casino.

A Boxful of Bonuses

The money box is a reward disperse Joker123 image that won't should be in a specific places and is worth 40x, 100x, or 500x the line stake when found in 3, 4, or 5 situations immediately. When these honors have been paid out, you are additionally treated to 8, 12, or 20 free twists. The furthest right chest image that set off the round could likewise uncover a success multiplier of somewhere in the range of 2x and 5x that will apply to any prizes won for the term of the free games. On the off chance that the money box shows up anytime during these twists, you could be allowed an additional 2, 3, 4, or 5 extra twists, with no furthest cutoff to the number of are granted, transforming this money box into a case pressed loaded with esteem.
submitted by bosskuclub to u/bosskuclub [link] [comments]

Daily Bonus Rewards List

Last updated: 04/02/21

Swagbucks (GPT site) | Ref ($3 bonus for earning $3)

  1. Answer the Daily Poll for $0.01.
  2. Use the search engine until you win some points. I get two wins each day by attempting it at 8am and 5pm. A third win isn’t unheard of, though I am unsure of the optimal timing. One search win pays $0.04 to $0.31.
  3. Play the browser games. Make one move in the game then use the in-game exit button for an attempt to register. You get $0.02 for every second attempt, up to a maximum of $0.10 daily. Be sure to wait 30 seconds between attempts.
  4. Swagbucks Watch – Currently deactivated :(
  5. nCrave direct links (more paid-to-click content):
(a) 7 times a day for $0.07 (seems to be deactivated)
(b) 5 times a day for $0.05 Close and re-open if you don't arrive at blue screen
(c) 3 times a day for $0.03 (seems to be deactivated)
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See this tutorial video if you’re unsure of what to do.

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Win credits daily from Honeygain's new Lucky Jar feature. One credit equals $0.01.

Hideout TV (video site) | Non-ref

Go on any video, scroll down, click Rewards and claim the daily reward code. When you reach 27 points (takes a few days), you can convert it to points on Swagbucks or other GPT sites. If you use Swagbucks for this, it checks off Daily Discover on your daily To Do list.

Inbox Pounds (survey site) Ref (£1 join bonus)

Use the search engine daily to get 7p, plus read 1 or 2 paid e-mails at 1p each. Has the usual surveys and a £20 PayPal cash-out.

StoREwards (receipt scanner app) | Invite code: 1gzhz | Download

Simply open the app to claim an incremental daily bonus which gets you 300 coins per week. This is actually a pathetic amount when you do the maths, but at least the app pays more per receipt scan than its competitors (over 5p each). Use the same e-mail address as the one you registered on Receipt Hog with to get a £1 bonus.

Viewsbank (survey site) | Ref

Get 10p every weekday (not weekends) for answering the ‘Admin Poll’ question. £12 PayPal cash-out. Offers regular exclusive surveys which you will almost always qualify for.

Qmee Pop Quiz (survey site) Ref (50p bonus on first cash-out)

There’s a daily pop quiz question that appears at the bottom of the survey page (next to the poll question). The site now has a countdown showing when the question will appear. Get the question right to win 3p.
Pro-tip: There’s a time limit to answer it, but you can simply close the quiz after seeing the question, Google the answer, and then restart the quiz to select your response.
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Free Daily Casino Games With Cash Prizes

Sky Prize Burst (at Sky Bingo)
Instant win game with small cash prizes (e.g. 10p), free spins, and scratchcards. Available from 10am daily.
Sky Prize Machine (at Sky Vegas)
Instant win game with cash prizes (e.g. £2), free spins and scratchcards. Available from 12pm daily.
Sky Lotto
Daily lottery game. Enter your numbers before 7.45pm and check the results at 8pm. Win scratchcards, and hopefully, cash.
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4 Free (at Tombola Bingo)
A bingo style game. Match 4 numbers on a corresponding prize to win that amount. The chance of winning is low, but I have won £15 so far so it is possible. You need to verify your mobile number to play- They text you an access code every Monday.
4 Free (at Tombola Arcade)
Visit this sister site each day to have a second go at 4 Free.
Ladbrokes Instant Spins
Get free spins, free bets and cash prizes from this wheel of fortune.
Coral Rewards Grabber
Tap your mouse to grab an item from the claw machine, then reveal your prize. Win free spins, bets, scratchcards and cash.
Betfair Prize Pinball (Promotion expired?)
Launch the ball and see if it falls in a prize slot. Win free spins, bets, scratchcards and cash. It looks like you're guaranteed to get something with this one.
William Hill's The Bonus Drop
A plinko style game in which you can win free spins, betting credit and cash prizes.
Virgin Games' Free Games
Uncover tiles on a board to uncover free spins and cash. You will need to deposit £10 into the site to be granted access to the games, but you do not need to gamble this money and can withdraw it again. At the end of the month you get to play a "Special Game" - The number of goes you get is based on the number of days you played the normal game that month.
Paddy Power's Beat The Drop
A game similar in concept to 'The £100K Drop' game show, which you can play with a hypothetical £1000 daily. Allocate your pot to predicted outcomes of upcoming sports events, and progress to the next round with the amount that you placed on the winning outcome. There are 12 rounds in total, and you can choose questions from different sports.
submitted by IGotSatan to LazyMoneyUK [link] [comments]

A Casino in the Jungle

https://i.redd.it/vr1vbewgl1m31.jpg
(map by u/Czepeku)
It was after nightfall when the party noticed warm light, laughter and the scent of warm meals pierce the dense foliage of the jungle. Although wary, they could not resist the promise of some company and maybe even a warm bed, after they had spent weeks resting in drenched tents, hastily built on wet mud. So, they breached the thicket in front of them to find out where these signs of civilization had their origin.
What they found, was a well-lit and welcoming ship, stranded hundreds of miles from the sea. A precious red carpet, draped over luxuriously ornamented wooden stairs, was leading up to a similarly decorated archway with a sign reading "Star-String Casino". The sound of conversations and laughter came from the well-lit upper deck, so the party cautiously sent their Rogue ahead to scout for danger. He got up unseen, surveying the deck. The casino was filled with guests, some seemingly simple Chultans, many adventurers like themselves. They were served by politely smiling hostesses, who brough food, drink and managed the games on many tables. The Rogue returned and told the others what he found. Together, they decided to enter.
A Hostess greeted them warmly, seemingly completely unfazed by their rugged appearance, ill befitting of such a prestigious establishment. She gave them a quick introduction where they could find which games and then went back to her duties. Completely baffled, they decided to split up. The Rogue was incredibly excited to try his hand at gambling again, the Dwarf guide and Dwarf Cleric wanted to see if they could find any familiar faces among the crowd, and the Sorcerer just wanted a drink.
Finding a table to play cards at, the Rogue did not disappoint with his sleight of hand. Through his mischievous methods he won three rounds in a row, earning him the exact same vengeful glare from the other players, while the faint smell of sulphur was creeping into his nose. He nervously laughed it off and tried to re-join his group among the crowd.
The Dwarfs very quickly found some familiar faces back from Port Nyanzaru. There was the fierce survivalist Azaka Stormfang, the one-armed vengeful Dwarf Hew Hackinstone and the two dandies Gondolo the Halfling and his human companion Faroul. The latter two seemingly had already gambled all their gold away and were not in a good mood. Azaka told the Dwarfs that she had lost the whole party she was guiding to a slime-monster in the jungle and was simply resting here before heading back to Port Nyanzaru. Hew was still on his way to enact vengeance on the Red Dragon who took his arm and he wanted to continue at daybreak. The Dwarfs had a good time sharing stories with them and even managed to win a game themselves, granting them a fabled 'Cloak of Billowing'.
Up some stairs, the Sorcerer, being a noble, ordered the most expensive drink from the emptily smiling hostess working the bar and took a few sips. Still suspicious, he started questioning her. There was not much she would tell him, simply that he and his friends deserved a good night's rest before they continued their daring adventure - free of charge! Their conversation was interrupted when the Sorcerer's gaze fell upon the boots of another guest. He thought he saw something glint just above the shoe's rim. Yes, there it was! A thin silky string was leading through the cracks between the planks, into the bow of the ship. He turned around to ask the Hostess about it, closing his mouth before asking the question just in time to notice a similar string leading from the back of her leg into the ship as well. Hastily, he got up, now actively looking for the strings and noticing one on every guest and hostess he could see. As he clumsily excused himself, every head in sight turned to him simultaneously. Conversations instantly fell silent when every guest and hostess got up like one and started walking over to him in perfect sync. The Sorcerer had to cast a spell before they reached him, clapping his hands in a thunder, and disappearing between them.
With a thunderous roar, the Sorcerer appeared between the Dwarfs just as they were telling the Rogue about the cloak, they had won. The Sorcerer had no time to explain: Already all eyes were on them. Even the Dwarf's friends had fallen silent and were glaring at the Sorcerer with the same stare. The party wanted to escape, but it was too late. They were surrounded. All the other guests broke out in the same, inhuman laughter. Their limbs and faces elongated as slime started bubbling forth between the planks in the middle of the deck. Half-formed faces, silently screaming in agony could be seen on the central slimy mass that was connected with thin strings to all of the former patrons. Their forms were revealed to be made of the same stretching, bizarre slime. All of them spoke as one: "It has been too long since any of my prey struggled!" Then they attacked.
The fight was brutal. Not only were the party’s bodies attacked by the monster’s tentacles, but their minds as well. Screams of agony, coming from the monster’s victims and echoing in their minds, had the party’s ears bleeding in pain. Whenever the central mass of writhing slime shifted its unsettling attention to one of them, they had to hold onto their memories as they were sucked out, making them forget ever more of their training with a sword or how to cast some of their spells. They almost did not make it, to be absorbed into the monster as well, becoming just another group of emptily smiling patrons, their memories forever trapped in the heaving mass of slime in control of the whole casino. But they barely managed to squeeze out a victory, with the Sorcerer, blessed by the Cleric, landing one devastating bolt of lightning right in the monster’s heart. Slime splattered everywhere as all the distorted duplicates around them collapsed into viscous puddles. The party grabbed what they could and fled, burning the casino down behind them.
https://static.wikia.nocookie.net/forgottenrealms/images/c/c8/Oblex_elder-5e.jpg/revision/latest?cb=20190515010210
submitted by Morgoth98 to Tombofannihilation [link] [comments]

Zeroth day review of M1

What got my attention
I started looking around for other options when I realized just how much I was paying to Betterment for their services. I like Betterment a bunch, but it's difficult to justify the cost as my account with them grows.
I like that M1 is looking to help people get rich slowly, unlike some flashy fintechs which are trying to gamify stock trading into a casino experience.
I rent my home, so I don't have banks offering me gobs of mortgage debt at ridiculously low rates. Instead of treating my home as an investment, I use the ETF market. But—compared to mortgages—there are very few options for using cheap debt to supercharge returns on ETFs.
Because the choice of asset allocation essentially cap the overall risk of a customer's portfolio, I've always felt that Wealthfront and Betterment should be offering margin at rock bottom rates. M1 seems to have achieved the best of both worlds, with a low margin rates and greater freedom to tailor investments to my needs. I'm a fan.
Honestly this feature should be standard for all investment accounts.
M1 has this great post about its business model. I like seeing the CEO explain to his customers how he plans for the company to succeed.
These features are super nice, definitely draw me in. I'm somewhat worried they are too good to be true, though. How can such an APY be profitable for M1 to offer long-term?
So-so
Given that I'm comparing M1 against my experience with Betterment, I'd really love to see a way to integrate TLH into a pie. TLH is one of my favorite features of using a robo-advisor.
Makes me sad/worried
I really like the lack of AUM-based fees, but I'm not thrilled to see "event-based" fees instead. When evaluating brokers, I've trained myself to look for an ACAT-out fee as a somewhat scummy way to treat your customers. Neither Betterment nor Fidelity charge ACAT-out fees, for instance. Even though the $100 ACAT-out isn't going to break the bank for me, I would prefer to take comfort in the idea that I'm free to take my money out at any time, at no cost to myself.
Certain other fees make me feel the same way, like IRA termination and TOD transfer fees. I'd absolutely prefer to pay more annually for M1 Plus if it meant these fees went away, even if it meant paying more over the lifetime of my relationship.
And as a backdoor Roth user, the IRA conversion fee basically is just a "IRA deposit" fee for me. No bueno.
IMO, TOD should be a first-class experience when setting up a brokerage account. I'm definitely not an expert, but my guess is that the TOD process is easier for brokers than the probate process.
It freaks me out to see my account info available behind a separate set of login credentials, and makes me think the 2FA setup isn't really protecting much. I don't know what the "Transfer Account to Another Profile" feature does, but it just sounds scary. I'm pretty confident it doesn't actually give anyone else the ability to withdraw assets, but I'd sleep better knowing that buttons like that one are available only to CSRs.
I know a bit about asset allocation, so I can pretty easily sit down and compute a "pie" that works for my needs. But it's even easier to just take a survey from Wealthfront or Betterment and use their recommendation. I signed up for M1 knowing that I'd have to put more effort in than I do today with Betterment.
But the lack of financial planning tools makes M1 a complete dealbreaker for my less savvy friends and family. For them, paying 25 basis points per year for better asset allocation advice would absolutely pay off, so Wealthfront/Betterment earn their fees on that feature alone.
The M1 Spend/Plus combination is better than any high yield savings account, in my opinion. So the only thing stopping me from parking my whole rainy day fund there is my lingering doubt that I'll be able to access it quickly and have a good customer support experience. If M1 wants to maximize my potential net interest margin (i.e. make money on my cash deposits), they'd ideally make me feel really comfortable in the cash management experience.
When my Fidelity card was being declined as I tried to use Square Cash to send my roommate the rent, being able to call Fidelity's 24/7 debit card support went a long way to providing the level of comfort that I'm looking for.
When I was new to the Fidelity cash management features, one of the elements that convinced me to dip my toes was the promise of $0.00 incoming and outgoing wire transfers. I figured "I can start moving money over, and if something comes up, I can get money back to a brick-and-mortar bank quickly." For example: I'm signing a lease tomorrow, and have not-quite-enough money in my brick-and-mortar bank account to cover the cashier's check I'm going to need. Being able to quickly transfer money over can be super useful in "oh shit!" situations like that one.
Sidenote: if (heaven forbid) I ever receive a margin call, I'd feel much better knowing that I have wire transfers already configured with every other financial institution that I do business with. But even better would be to feel comfortable just having all of my assets at M1, so that responding to margin calls wouldn't even require a transfer between separate institutions.
M1's product lineup is pretty slim right now. I'd really love to see some upsell options, like Betterment's "pay 15 extra bps for financial advice from a real person". I like seeing upsells because they would provide M1 with a source of revenue that customers pay by choice, rather than fees that customers pay because they're a captive audience. And (as pretty much every fintech company has realized), these ancillary products can improve customer retention in the "core" product.
I'd love to know more about the health of the M1 business. Why do I care? Because I want to be really confident that M1's services and pricing are going to survive and thrive long term. I don't want to see the service change dramatically when the (hypothetical) Series F doesn't materialize. In other words, I want to avoid a Moviepass-esque situation: where the company promises a bunch and then has to backpedal on those promises. If that's going to happen, I'd prefer to re-survey the landscape after the dust settles.
In the very worst case, M1 goes bankrupt. If that happens, I'm pretty confident that the combination of (FINRA, SIPC, FDIC, other alphabet soup) ensures my investments and deposits will remain there for me. But still, I imagine the process is pretty painful for some amount of time, even if customers are all eventually made whole. I'd sleep better at night knowing that these issues are off the table.
Fidelity publishes their revenue and operating income. With Betterment, I can do napkin math based on their published AUM to ballpark their revenue. M1 has that wonderful blog post linked above, but that still leaves me with questions like: "given that the effective fed funds rate is 9 bps right now, and M1 deposit accounts can make 100 bps, is M1 actually making any net interest income?"
Conclusion
I'm still not sure if M1 is right for me. I know I'm paying Betterment/Fidelity a shit ton of money every year, but in doing so I get a fair amount of peace-of-mind. And if I just wanted rock-bottom margin rates, I should use Interactive Brokers.
I'm curious whether other folks have the same concerns, and if so how they've dealt with them.
submitted by M1-Day0 to M1Finance [link] [comments]

My journey through the career of Alex Trebek

Alex had long been established as the avuncular sage of game show hosts, the wise authority figure you never wanted to disappoint should you have the honor to appear before him on the beloved cultural institution that is Jeopardy!
But I grew up with a different Alex, one who was fun and freewheeling rather than the icon of trivia experts. So let's take a look at his U.S. game show career, during which Trebek demonstrated the versatility that made him the greatest game show host of all time.
When we look at this overview, we can see that Alex was always respected, but his career had stalled out a bit in the early 80s with several flops on his resume. Had Art Fleming not turned down the chance to return to the Jeopardy! revival, Alex might be better known today for his TV commercials than anything else.
Thankfully for him, and for us, Merv Griffin knew who was the right person for the Jeopardy! job. I will always be grateful to Alex for the education, entertainment and providing America with an oasis where we can be a little more civilized.
submitted by jaysjep2 to Jeopardy [link] [comments]

A Big List of Challenges (Problems/Goals/Complications/Encounters) for your adventure (including Social, Exploration, Stealth, Mystery, and Combat).

Hi! I have compiled a big list of challenges your players can encounter during the adventure.
If you find this list useful - please help me to improve and extend it!

Action/Adventure Challenges

  • Defeat a villain and his minions.
  • Defeat a monstecreature/horde.
  • Obtain a McGuffin (item, vehicle, money, magic artifact, spell, your lost/stolen valuables, etc)
  • Obtain Information (an ancient book, a piece of gossip, a clue, secret codes, a way to break the curse).
  • Protect/Escort /Guard a person/creature (a rich merchant, a researcher, a young prince targeted for assassination, a last of its kind monster, tax collector, witness).
  • Deliver a person (make sure they don't escape).
  • Rescue a person/creature (rescue a hostage or a kidnapped person, break them out of captivity).
  • Track, Find, Chase, and Capture/Catch a person/creature/vehicle (a criminal, a runaway, a ship, a lost pet, an escaped experiment, the infected).
  • Find and save the missing person (lost kid, caravan, courier, spy.
  • Deliver a valuable/fragile item/cargo and protect it from danger (artwork, cursed artifact, mysterious crate, a treasure map, a message).
  • Destroy the target (an object, a cursed item, enemy weapon or infrastructure, the enemy base, a piece of blackmail on someone, a source of infection, close a portal).
  • Sabotage a plan (disrupt a ritual, prevent a prophecy, undermine the invasion, stop villain from achieving their goals).
  • Capture and secure the base/location (enemy city, friendly city under siege, a building, a military target).
  • Defend a location (protect a village from monsters, a city from the enemy army, prevent enemies from passing a bridge or a tunnel, protect a crime scene, meeting site, warehouse, protect a ritual to ensure it will get completed).
  • Your town/building/ship has been captured and overtaken by enemies. Survive under siege, liberate it.
  • Robbery/Heist (rob a train or a blimp, abduct a person, commandeer a ship, steal diamonds from the casino, steal wand from the mage tower).
  • Protect many innocent people (save people from a natural disaster for example, release the prisoners/slaves).
  • Win a competition (Complications: your team is bad, the other side cheats, you can only win by cheating, the event is more deadly than it was supposed to be. You are competing for other purpose than victory, such as to keep another contestant safe, to spy on someone, or to get into the place where the event goes down, to prevent villain from winning, to prove yourself, to impress someone).
  • Prepare for the mission. Get equipment/supplies/transportation/funding.
  • Deal with the consequences of a botched/evil magic ritual.
  • Distract the enemies. Act as bait for the ambush/trap.
  • Train a novice, keep a noble person safe while they go on adventure.
  • Build or repair an object (by collecting McGuffin ingredients).
  • Perform a Ritual.
  • Law Enforcement - act as a police for a town.
  • Intercept a delivery, escort, communications.
  • Prepare and execute an ambush.
  • Act as an experimental subject for a crazy scientist/wizard (for dangerous potions).

Exploration Challenges

  • Survive/avoid environmental dangers (think of the place itself as the “villain”, it is a monster without HP that "wants" to hurt players or drain their resources, and has certain powers to accomplish that. Traps, cave-ins, lava eruptions, rock-slides, avalanche, collapsing buildings, impenetrable mist, wild animals, dangerous/poisonous flora, falling into a pit, getting lost, etc).
  • Overcome environmental obstacles (a river on your way, a closed gate, climbing a mountain, a swamp, quick sand, slipping hazard above the abyss, thin ice, wild magic area. Retrieve an item from the bottom of the lake.).
  • Travel through multiple locations to reach the target.
  • Explore the location (to learn about it, to map it, to figure out what happened here. To find bandit camps, enemy encampments, monster nest, a way through, resources).
  • Find a lost location/person/item/treasure/clues.
  • Scout for information, survey the location/region (ahead of group, enemy territory, monster infested territory, uncharted wilderness).
  • Clear location of danger (creatures, traps, haunting ghosts, curses, infestation).
  • Track something/someone, find a trail.
  • Deal with a natural disaster (storm, earthquake, flood, meteor).
  • Survival (without food/water, deal with harsh weather, diseases. Find shelter. Repair a ship or a radio. Find a way to get back home.)
  • Enter a guarded area (overcome defenses, defeat security, sneak in unseen).
  • Escape guarded location (break out of prison).
  • Use environment to your advantage (start an avalanche to block a pass, assume the most optimal position for combat).

Social/Intrigue Challenges

  • Convince/Persuade a person to do/say/give you what you want.
  • Intimidate/Manipulate/Blackmail/Force someone to do what you want.
  • Befriend/Seduce someone, make allies.
  • Gain confidence or forgiveness of a person who doesn't like you.
  • Find a non-combat resolution.
  • Get caught lying/cheating/sneaking, and rectify the situation.
  • Persuade a group of people (an organization, an angry mob, snobby nobles. Persuade the army to take a route that will slow them down/lead them into an ambush, convince the bandits to raid the enemy, convince farmers to donate food).
  • Gain social status, power, political influence (prove your worth, gain respect, impress someone, get elected).
  • Change someone's social status (make them look good/bad, get them elected, overthrow a ruler).
  • Run a kingdom/village/team/organization/business, lead an army (build a new one, restore the failing one to former glory).
  • Change the society/group/organization (raise morale, lower the crime, stop witch hunts, deal with corruption).
  • Gain control over the territory (invade a country or repel the invasion).
  • Put down or incite rebellion/mutiny/conspiracy.
  • Negotiate a deal, bargain (political compromise, hostage negotiations, trade information, convince them to sign a document).
  • Resolve conflict, broker peace, unite rivaling factions, settle dispute.
  • Establish political/trade relationships .
  • Navigate a strange culture/customs (without offending anyone).
  • Cause conflict/rivalry/war, pit people/factions against each other (get enemy minions to mistrust each other).
  • Deceive a person.
  • Set someone up, shift the blame to someone else.
  • Infiltrate a group, conceal your identity (cult, bandits, enemy citadel, thieves guild).
  • Find the spy/traitomole.
  • Deal with being blackmailed, spied on, threatened, manipulated.
  • Deal with a nasty rumor or important information/secrets about yourself being out there.
  • Defend someone (or yourself) in the court.
  • Prosecute/judge someone in the court.
  • Put on a show, entertain.
  • Redeem or corrupt a person (teach someone a lesson, seduce someone to the dark/light side).
  • Recruit people to your cause.
  • Find a way to get someone to owe you a favor, find a way to repay the debt you owe to someone else.
  • Enforcement - apply pressure to a person to get them to do something or behave in a specific manner, without killing. (Calm down the rowdy gang, collect the debts).
  • Get enemy soldiers/minions to defect and switch sides.
  • Create a disinformation/propaganda campaign (feed it to the enemy spy, destroy someone's reputation, saw fear in the hearts of the enemy soldiers).
  • Perform a con.

Mystery/Investigation Challenges

  • Investigate a crime (murder, assault, theft, threats, blackmail, destruction of “x”, disappearances, corrupt law enforcer).
  • Spying/Surveillance, gather information on a person/creature/location without being noticed. (Are they up to something shady, are they who they claim to be, discover their secret techniques, how are they bypassing security, how do they create “x”, involvement in “x”, what secrets are they hiding, where are they hiding “x”, where do they keep disappearing to, enemy troops, ).
  • Search for clues and put them together to reach a conclusion.
  • Find and interview witnesses, interrogate suspects.
  • Figure out what's going on, unravel a plot.
  • Figure out what happened in this location.
  • Find evidence (proof of innocence or guilt, expose a corrupt official).
  • Find out if the person is lying or keeping secrets, and what they are.
  • Figure out someone's plot/motives.
  • Figure out who's behind the plot.
  • Do research (find and read ancient texts, talk to old wise people).

Stealth/Heist Challenges

  • Steal (or plant) an item/information (modify enemy maps, plant disinformation. Plant clues to frame a person).
  • Escape from danger (overwhelming force, ambush, pursuit of the law or criminals).
  • Hide, cover your tracks, lay low.
  • Sneak through undetected (sneak past enemy lines to deliver a message to allied forces, sneak past the bouncers into a party).
  • Assassinate stealthily (sneak into the king's chambers, lure them out, use poison, make it look like an accident).
  • Deal with getting noticed / drawing an unwanted attention.
  • Clean up evidence (yours, someone else's).
  • Exchange a real item for a fake or vice versa.
  • Return a (creature, item) before anyone notices it's missing.
  • Sabotage (device, ritual) without being noticed.
  • Smuggle (creature, person, item) into or out of a location.
  • Security Testing - breach the clients security unnoticed.
  • Frame a person/group/nation for a crime.
  • Fake someone's death.

Villain's Moves

  • Personally confront the players.
  • Send minions after the players.
  • Hire a rival team of adventurers or thugs to go after players..
  • Send an assassin.
  • Send a spy.
  • Set a bounty on their heads.
  • Set a trap.
  • Setup an ambush.
  • Take hostages.
  • Threaten an NPC players like.
  • Frame players for a crime, declare them traitors/outlaws.
  • Reveal player's secrets, crimes they have committed.
  • Bribe the authorities/police to act against players.
  • Convince authorities/police that players are evil.
  • Make the public dislike the heroes.
  • Have a "dead man switch" that will hurt people or destroy something valuable if the villain is killed.
  • Know some information valuable to the players (like where hostages are kept, where the treasure is hidden), so players can't kill them, and must negotiate.
  • Set a time-bomb. Something horrible will happen unless players do what they're told.
  • Possess/blackmail/threaten an innocent person into doing their bidding.
  • Pretend to be someone else to deceive the players.
  • Befriend players to use them and betray them later.
  • Kidnap one of the players.
  • Join forces with another enemy of the players.
  • Plant false clues, create decoy trails.
  • Frame someone else for their crimes.
  • Kill hero's mentoally.
  • Cause mistrust, disorder, confusion, infighting among players or general population.
  • Hire people to commit crimes while pretending to be someone else to create mistrust/conflict among two parties. (Example: the bandits "from another country" attacks "local merchants", Start a plague in an uneducated city and have the "foreign merchant" sell snake oil cures, "native patriot" kills a "alien anarchist, etc.)
  • Put difficult choices in front of the heroes (like forcing Batman to save one of the ferry boats, to save Harvey Dent or Rachel).
  • Take away resources from the players (steal their items).
  • Give people the wrong idea about his powers/weaknesses.
  • Push player's buttons, play on heroes' flaws, temptations, fears.
  • Develop a good public image, make friends in the government, be beloved by the public.
  • Seduce player's allies to the dark side, convince/threaten them into betraying players.

Complications

  • Do it under time pressure (before the ritual is complete, before people run out of air, before reinforcements arrive, before or during the event, in transit, while you still have the chance).
  • Do it while competing with the rival team.
  • Unrelated people are interfering with the objective.
  • Do it stealthily (don't attract attention, don't leave clues, no witnesses).
  • Do it while pretending to be someone else.
  • Do it without revealing that your client is involved.
  • Prevent collateral damage, protect the innocents who are around.
  • Avoid violence. Defeat/capture the villain/creature without it being harmed.
  • Mitigate the risk, there's a high probability of causing a lot of damage if you're not careful.
  • Two challenges conflict with each other (you must break your stealth to help someone in trouble, capture criminal or save people who are currently in danger).
  • Difficult choice. Choose lesser of two evils, choose which people to rescue. Requiring personal sacrifice, risk, compromise.
  • Opportunities that come with a difficulty, cost or have negative consequences.
  • Resolve moral dilemma (the creature is dangerous but doesn't deserve to die, you're working for a bad guy, both sides of the conflict have valid points, completing a quest will harm people/environment).
  • Do it with incomplete information.
  • Do it with limited resources or without preparation.
  • Do it without access to powers you're used to having (while sick/injured/debilitated, in an area where magic is outlawed/disabled, having lost your equipment).
  • Locals here are unhelpful/hostile to you. You have low social status.
  • You can't trust anyone.
  • Doing it is illegal, or against authorities best interests, or is threatening a powerful group.
  • There are regulations/restrictions on what you can do hindering your progress.
  • Do it while being supervised (the media is all over you, a brilliant detective is on your tail, you are under suspicion, the enemy knows you're coming, you have a spy/mole).
  • Do it despite your flaws/temptations/fears.
  • It causes conflict/infighting within the team (player characters will have opposite goals/reactions to it).
  • Do it while working together with antagonist or someone else you don't like.
  • The side you're working for turns out to be evil.
  • The villain is someone you know/like/respect.
  • The villain is a respected public figure, celebrity, is liked by people or has authority over you.
  • Bad guy has a dead man switch, if he dies the others will suffer or treasure will be lost. Bad guy is the only one who knows the valuable information.
  • The people you're helping don't want your help.
  • Vital information turns out to be wrong.
  • Deal with the betrayal.
  • Mission has been rigged to fail from the start (PCs may be used as a scapegoat).
  • Objective is stolen before the PCs arrive.
  • Objective must be undamaged.
  • The important item has been transmuted and needs to be changed back, locked in a safe and needs a code to unlock, is a mineral that needs to be refined by a specific process. A book or a message is written in a foreign language that requires a translator.
  • Only a bad/unpleasant person can provide the item/information/favor you need.
Please leave a comment and contribute to this project!
Edit:
I've had a few pretty huge epiphanies while writing this post:
  • Stories are fundamentally about problem solving. Roleplaying is fundamentally about problem solving. This is the fundamental "game loop" of RPGs - GM puts a problem in front of the players, and they find creative ways to solve it, that's what gives them fun stuff to do and feels satisfying to accomplish.
  • Adventure Ideas are fundamentally problems. They create an exciting, challenging, important goal for the players to accomplish.
  • Big problems are broken down into small challenges. But fundamentally, the big climactic adventure/campaign goals and the small challenges players encounter on their way are the same thing. Every scene the characters solve a small problem, and it drives them towards solving the big problem. That's what plot points are - players solving or failing to solve a problem, which moves them closer to or farther away from the goal. Which feels exciting/valuable/dramatic.
  • Conflict, obstacles, social/exploration/combat encounters are fundamentally just sources of problems. There probably are other sources that can generate problems.
  • It's all just nested challenges: Campaign Problem > Adventure Problem > Scene Problem. And any challenge can be used on any of these levels.
  • Therefore, the list above is a list of adventure ideas and plot points at the same time. Make any challenge very important/difficult/exciting to accomplish - and it becomes an idea for the adventure or a campaign. Make any adventure idea relatively small and simple - and it becomes a scene challenge (encounter). Put a number of smaller challenges in front of the players - and you've got your basic story structure (a list of encounters, the gameplay). Because goals and challenges are fundamentally the same, just the nested problems, they can be combined in any order to create any number of unique adventures.
  • Also, it means that you can take big story ideas from movies, TV episodes, published modules, and use them as ideas for small encounters. Shawshank Redemption, Alien, Jaws, Incredibles - they can be big campaign ideas, small adventure ideas, or just a thing characters do in a scene (escape from the prison, hide from a monster, defeat a big golem).
  • Game mechanics are also challenges. If there's an RPG system that gets players to do something awesome (GM moves in Dungeon World, Favors/Debts and Social Status mechanics from the Undying, Weak Moves from Dream Askew) - you can use those as challenges too.
  • Even a single challenge can create an unlimited number of unique stories - you just change the concrete details. McGuffins, NPCs, locations, etc.
Edit 2:
Wow, this is taking off. If you like this post, you will probably enjoy my posts on Adventure Writing Process, Adventure Template (a list of the most important questions to answer when designing an adventure), and Making Combat Awesome. If you want updates on my future posts - follow me here.
Edit 3:
Created a little "Story Generator App" that will pick the random challenges for you.
submitted by lumenwrites to DMAcademy [link] [comments]

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Creating a survey with SurveyMonkey - YouTube

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