Bitcoin Magazine

09-23 06:45 - 'Jamal James is going to be giving a presentation on Lightning Labs new Lightning Terminal #LiT later today.' (twitter.com) by /u/Bitcoin_Magazine removed from /r/Bitcoin within 871-881min

Jamal James is going to be giving a presentation on Lightning Labs new Lightning Terminal #LiT later today.
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09-18 10:45 - 'We've had a huge week so far in Bitcoin! A thread ⬇' (twitter.com) by /u/Bitcoin_Magazine removed from /r/Bitcoin within 1011-1021min

We've had a huge week so far in Bitcoin! A thread ⬇
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03-22 19:26 - 'You can buy it online and it will get delivered trough mail. Only bitcoin tho' by /u/Pristine-Magazine removed from /r/belgium within 45-55min

'''
You can buy it online and it will get delivered trough mail. Only bitcoin tho
'''
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[Guide] How to make money in EFT

EDIT : Thanks to everybody for pointing out the few mistakes/improvements that can be made in this new-player level guide.
For the sake of summarizing here :
- Intel documents are NOT worth 250k. I didn't check them on the flea before writing this and for some reason I always remembered them at 250k. Game is in maintenance so I can't check the real price. That being said, it's still profitable to craft USB into Intel, it's just not x2 profitable.
- Scav case : moonshine / intel docs, some people seem to say they've never been profitable. I personally *did not* measure those, I eyeballed it. I'm working on so much shit that I didn't bother. On average I think that I'm in a net positive, but it's as believable as people saying they're not : without proof we can't really say for sure. That bein said, it's certainly more profitable to run lower-tier scav runs that are *faster* when you're online, and to run a moonshine or intel when you log off. It's more efficient to get a lot of runs while you can re-start them every time.
- Crafting moonshine : It's not profitable to spam it ; I was under the assumption that the average player who will read this will usually not play for 4-5 hours straight and will end up collecting yesterday's moonshine, craft a new one, and that's it. If that's you're rythm then yes, spam it. If you intend to play more than one craft worth's of time, then you will craft moonshine faster than you can spend it, and it's not really worth to sell it on the flea except to up your market reputation for a small loss (about 10k). So in short : craft moonshine to be able to start a moonshine run for when you log off, but you don't *need* more than that.

Check this out

Here is some actual data on the lavatory !!

Hey everybody !

I know it can be a struggle to get a stable economy in this game, especially when you die a lot. Today I'm gonna try and give a few guidelines on how to make money safely, efficiently, fast, or in any other way we can think of.
If you're struggling to stay above the 15-20 million rouble treshold, this guide is definitely for you.
Very often I'll hear newer players say "Damn I can't seem to make money, I keep loosing. Every time I take gear I die instantly". There is some truth in that. Today I'll help you improve your survival rate, but most importantly I'll unbalance the other side of the equation. When you complain about losing a lot of money, I will help you spend less by a significant margin, as well as earn more. You'll also get rid of gear fera naturally.
Remember this throughout this very, very long read : It all depends on how you want to play, and how much. Some of these tips will not fit how you want to play the game, and like Nikita always says : this game is supposed to be fun before anything else.

1. Hideout

Safety Score : 100%
Reward : Moderate but very stable.
Maxing your hideout should be one of your top priorities, probably before telling your mom how much you love her every now and then. If you're not doing either of those, the big gamer in you knows what to do.
Early wipe, save your fuel for when you're online and playing. If you're playing, your generator should definitely be running and all your stations should be crafting something.
Once you have Medstation 1, Workbench 1 and Lavatory 2, you really have no reason to turn your generator off when you're playing.
Once you have the bitcoin farm, you should never turn off the generator.
Medstation :
Craft salewas and/or IFAKs permanently. They cost 8k and sell for 15k. That's a net profit of about 25k / hour for salewas, as well as never having to buy any.
Lavatory :
Always be crafting Bleach. If you have 2 empty blue fuel, use those empty cans to craft a Magazine case.
You can then keep the magazine cases until you've enough for your liking and sell those for a good profit.
The bleach you will use to buy the 6B47 helmets which are better than the SSh-68 helmets. Buying from 2x bleach barter at ragman level 1 means you get the helmet for 18k (instead of 33k on the market). This helmet has better head coverage, less slow/negative effects, less weight, has a slot for a mount, has +11 ergonomics AND is cheaper than the 22k SSh-68. That being said, it has a slight noise reduction that the Ssh does not have. If you wear headphones I'd say this is negligible but debatable. I prefer to have the extra protection and ergonomics for sure, considering it's slightly cheaper.

You can also barter for that helmet and instantly sell it back for a profit (five times) and level up ragman money requirements.
Bleach can also be traded for the Blackjack backpack at level 4, as well as the TTV rig at level 2. You should definitely do it.
Sell excess bleach on the flea market when the prices are around 10.5k or more. (around midnight Central European Time).
Workbench :
You can buy Power Cords and craft Wires forever and always make a profit. Buy in the morning and sell in the evening for better profits (CET timezone). For even more profit, you can craft gunpowders and ammo which tend to also be ridiculously pricy at night.
Buying grenades from Peacekeeper and crafting green (Eagle) gunpowder is a good way to make a lot of money and level up Peacekeeper.
Intel Center :
You main objective is to get this one to level 3 for reduced fees and better quest rewards, but also access to the bitcoin farm at level 2.
If you need FiR for quests, craft that. When you're done craft Intel Documents at all times (buy the USB), and use it for scav case or sell for a x2 profit. ( 3x40 for USB = 120, documents sell for 250)
Bitcoin Farm :
Once you have it, spend all your money on GPU until its maxxed, then level it up even more. The BTC farm is definitely worth it. At 50GPU you need to connect every 15 hours to clic. If you can't, keep it level 2 and connect every 24 hours to clic. Even at level 1 its worth. But its much, much faster at higher levels.
From 0 to 50 GPUs it takes about 30 days to pay for itself. GPUs should not be sold until you maxxed it.
Water Collector :
Must be running at all times. Buy the components if you don't have them.
Booze Generator :
Must be running at all times. Buy the components if you don't have them.
Scav Case :
Always have it running on moonshine, and use intel documents once you're done crafting one.
Nutrition Unit :
It's not really worth crafting sugar to put in the Booze gen, as the price for chocolate is pretty much = the price of sugar. So buy the sugar instead and craft something else. I tend to craft Hot Rods when the prices are good (morning) and then use them to barter 5.45 BS Ammo with Prapor or sell for a profit.

If you do all that, you should have about 150k an hour fairly easily. Don't forget to check it between every raid.

2. Traders

Safety Score : 100%
Reward : Quite good.
Once your mom has received all the love she deserves and your hideout is taken care of, you should have max traders (traders are a requirement for most of the hideout anyway).
Traders level 4 will net you much better prices on most mods and open very good barter trades.
Buy as much as you can from barter trades. You can buy almost everything from it, and it's usually at least 25% cheaper to buy the requirements and then do the barter. Ragman4 has the CPC Armored Rig which is level 5 armor, you'll get it for about 200k instead of 250k on the flea. The Slick is also much cheaper. The Blackjack backpack is literally half priced.
You can also NOT use what you barter and just sell it back to a dealer (sometimes the same from which you bartered) for a profit as well as having 2 times the loyalty money increase (from bartering then from selling).
Another good example is buying a Recbat 14k from the market, getting an ADAR for skier, selling it to Mechanic and winning 8k just like that. You can find every single barter that nets a profit yourself and just buy-resell and you'll probably make another 100k every reset, if you really are struggling and have the patience. I personally advise to just use the equipment for yourself unless you're levelling traders, but I wouldn't go as far as buying all profitable items every reset.
Every trader at every level has good barters. You can make a full decent kit at level 1 traders for about 40k roubles on barter, instead of 90 if you buy it all. (Paca for masks, helmet for bleach, ADAR for recbatt, salewa from craft, backpack, etc. all barters)

Bleach is beautiful and is coveted in the real world for its ability to cure diseases.

3. Modding

Safety Score : 100%
Reward : Very profitable.
Don't mod out of your reach. Don't mod Meta. If money is an issue for you, having +1 ergo won't change your life.
For example,
Priced at 10k roubles
Priced at 45k Roubles

See where I'm going with this?
If you have money, sure, go for the Shift. If you wanna have fun and try, sure, go for it as well. But if you're struggling, buy 4 cobras and mod 4 guns for the price of 1% recoil which will not make you a gamer god anyway.
Also, do NOT buy mods from the flea market when you see you can buy them from traders. Look at the top of the market, if the mod is greyed out, look at the price. It means you don't have access (yet). If the price is too inflated for you, find another mod. There are always other mods. You can make 2 AKMs that have a difference of 2% recoil and 4 Ergonomics and have a 150k price difference. It's up to you. When money is the issue, this was the answer.

Note : Some guns are inherently much more expensive. Guns shooting 5.56 or 5.45 tend to be more expensive than 7.62. AKMs are VERY good budget guns. They're a bit harder to handle, but you can get a fully modded AK for 150-200k, where as you will have an entry level M4 for that price. 7.62 PS ammo is also incredibly cheap while being decent. Play 7.62 if you're struggling with money. It's not meta, but it's far more than enough, trust me. You'll rarely lose fights exclusively because you had PS ammo in an AKM. Rarely.

4. Statistical loadout balance

This is fairly simple yet overlooked a LOT. To be accurate, you need data. Personally I kept it in an excel spreadsheet, if you're hardcore you should do something similar.

A somewhat relevant spreadsheet I used a wipe ago to measure some of my stats
What you need to know about yourself for this :
These will help us measure how much you fuck up or not.
Lets make it simple.
If you have a 500k loadout and you usually extract with 100k, at 10% survival rate, that means you will spend 500k x 10 = 5.000.000 roubles over 10 raids on average, die 9 times, and earn 100k once. This very obvious example shows the loss.
Basically we're gonna try and balance that equation so that you never lose money on average. You'll have ups and downs obviously, but over a week or two, it'll smooth things out for you, like math always does in a pleasant conversation with a girl.

So what can you do to improve that equation ?

4.1 Improve survival rate

Seems simple enough, DIE LESS. You do not need to be good, smart, or special to die less. If you die a lot, do something different. If you die less, try more of that. Explore statistical advantages through different gameplay.
What can you do to die less practically? Here is a list of checkboxes you can tick depending on your money, skill, mood, or any other factor like the map and sheer luck:
Do all that, it'll give you a LOT of data to actually improve by just doing something different without really being fastestronger, just smarter.
And I repeat : you can do some of it, all of it, it depends on what you like, what you're comfortable with, and the time/investment you're putting in the game. It's okay to play at your own pace.

4.2 Reduce gear cost

The second part of our "profit equation" above is how much gear you take with you. Using previous tips, reduce that cost. Barters, cheaper mods, etc.

4.3 Increase extracted value

This one is not as tricky as it sounds. Basically there are two ways to extract with more money in the backpack :
The goal is to pay for the gear you will loose when you die while making a profit on top. That one time you extract if you have a MBSS backpack, you'll need items worth like 50k per slot to break even. If you take a tri-zip, suddenly it's only 30k per slot. If you take a blackjack and blackrock from good old ragman, suddenly it's 10k per slot. So you can break even by looting crickents and DVD players almost.
See where I'm going ? Always take a tri-zip or bigger unless you're doing something special. That way you can afford to loot shitty areas, take less risk, and survive more while having a little less value.
We'll cover that in a minute, but there are ways to loot high value items, moderate value and low value. Those have also different risk/reward.

All of those are also map specific. In woods I'll often go with a 6B3TM armored rig for 40k, no helmet, 20k headphones and a sniper rifle. Rest is pouched so does not count. That's less than 100k investment. All players tend to have low value gear so I never extract with a lot either so it balances out. But on Woods, my survival rate is 20% instead of my overall 40%. So I know it's not a map I can reliably make money on, because I measured that accurately over time. This example is very common and should make sense to you.
Same goes for interchange where I have more about 50% survival but will tend to go in with 600k worth of gear, but will also often extract with over 500k quite regularly. Different ratios, different values, different purposes.
You can measure your own data if you're willing to do so, or you can eyeball it. Eyeballing it is much faster but very inaccurate because you will tend to include emotions in the mix when you die. You'll remember losses ~2x more than your wins (that's somewhat scientifically proven), and if you're eyeballing your loadout you might think you have 600k but really you might have only 450k. I would advise to go hardcore and measure it all for price, initial loadout, losses and earnings, for each map.

5. Money runs

Now money runs are vast and numerous. All include different levels of risk and reward. It's up to you once again to find what you're willing to do for the time it takes, the fun it will give you and how much it will actually help you. You can always try them all for ~50 raids the sake of trying something different and see how your data is impacted. it doesn't have to be 50 in a row if you don't want to. As long as you keep track of it it can be over a whole wipe. You'd have your data ready for the next wipe :) Faster is better though.

5.1 Hatchling runs

Safety Score : 100%
Reward : Very Variable. Mentally exhausting.
Those are incredibly money efficient. You're investing a gear of 0 value, so whatever you extract with is 100% win, so you cannot possibly lose money that way. Is it fun? Is it rewarding? I don't care, to each is own. Statistcally speaking, hatchling runs are an efficient way to make money.
They do however require a little bit of knowledge, but not skill. You'll be much more efficient at doing these kind of runs if you know where to go, what to look for, and how to get there depending on your spawn. That being said, such knoweldge is easily found ; it's nothing complex, it just takes time to learn. Once again, depends on how much you're willing to invest (if not roubles, time).

5.2 Scav runs

Safety Score : 100%
Reward : Low-ish
Scav runs are also incredibly efficient for the same reason as hatchlings. Except those have a cooldown. Statisticall speaking I have noticed you should always run your scavs as fast as possible on the map where you extract both the fastest and most frequently.
The explanation is simple, lets make it simpler :
The scav is a button that makes you earn free money. When you press it the button becomes unpressable for some time, when you release the button you earn money (sometimes).
That means you want to release the button as often as possible. And for that, you need to release it as fast as possible. It's that simple. So make scavs incredibly fast. I'm talking "Run through" fast.
Unless you're looking for FiR items or doing something specific like annoying a streamer, you should literally run straight to the extract every single time, and loot what you have that doesn't make you go out of your way too much. Usually I suggest factory, go in, kill a random scav, loot it, get out.
Two weapons is at LEAST 50k, 100 if they have a scope. There you go. That's 100k every 20 minutes (or less with intel center). That's MUCH BETTER than going up to 150-200k but taking 30 minutes to extract, and taking more risk by spending more time in the map. Every second you're in someone can shoot. Nobody can shoot you in the hideout.
The exception to that rule is Scavs with a pilgrim which you can take on your favourite loot-run map, probably interchange or reserve. There you should just fill everything you can and extract once you're full, no matter what you have. 30 crickents and an extra gun is fine.

5.3 Stash runs

Safety Score : Very
Reward : Okay
Those are very very safe and can be done with a pistol and a backpack only. Very cheap, quite unchalleneged, for a moderate reward. Just go on a map that you like and run around and loot all stashes until you're full, then get out. You can vary the map/route depending on the traffic of players. Interchange and shoreline are good contenders for that.
It'll net you easy money. Not great money, but definitely safe.

5.4 Loot Runs

Safety Score : Moderate
Reward : Quite alright
Once you have better knowledge/skill you can start having a specific route in a specific map, depending on a specific spawn. So it'll take time to learn. Usually very similar than a hatchling run except this time you bring moderate gear and go for moderate loots. For example, instead of going for fast techlight, in-and-out interchange, you can decide "alright I'll loot 100% of Oli and the computers in the back", it'll take time, but it'll make good loot. More money than stashes, definitely will see scavs to kill, and most probably some more pvp. More risk. If you win that PvP you have even more loot as well. But overall good reward.
Loot runs need to be "scheduled" and thought of after several tries, so you know how much you can take per person depending on backpack size. For example you can't say "lets loot oli" if you have a 5-man with blackjacks, you'll all be empty. Adapt.

5.4 PvP

Safety Score : Insane
Reward : Unreliably moderate
This one is pretty obvious. Very risky, unpredictable rewards. Usually better than loot runs when you survive. I won't elaborate on this, because if you're reading this far you're probably struggling in PvP. And the rest of this guide already covers a fair bit.

6. Insurance

Safety Score : "Meh"
Reward : Very profitable.
Now this is very, very important. Always insure your gear. Always.
If you die you will get stuff back, pretty much for free. If you're really struggling people won't loot your "trash", so you WILL get it back.
If you play in a group it's very likely that people will hide your stuff too.
And most importantly : you can insurance fraud. This is the best way to balance the equation we talked about earlier. If you find a decent-ish gun, replace yours. You drop your initial investment by a significant margin, you will definitely get it back, and if you extract it's a flat profit. Weapons don't take inventory slot, so if you have two weapons that are not yours initially they will usually pay for your whole gear. I have quite often left my super-mega-modded HK just for an average M4 or other weapon that I can fight with, just so I can reduce my investment by 350k and up my reward by like 200k instantly. Replace your headphones all the time too, that's an easy -30+30k, same with helmets. even if it's a bit broken or slightly worse.
If you're struggling with money, try to leave every raid with at least 3-4 pars of your equipment that aren't yours initially.
But value the risk behind this. I won't leave my slick for a Paca at the third minute of a raid just to have that extra 28k. I won't leave my meta-modded HK for a naked mosin. But if it seems decent/doable, do it. It will pay off. Because even if you die, you still get your shit back, and gun is usually the most expensive part of the gear.

7. Final notes

It's all about balance. Find what works *for you* and try shit out. Really, try. You'll die, you'll learn, you'll adapt with data to back that up. I find it crazy that people will die and not try to learn from it. That's how you will improve as a player.
First you gotta get smarter, then you'll get better. And with time, skill, mechanics, gamesense, all that will improve on the side. Earning more will snowball in your favour. And if you know you're statistically okay, you will have a much smaller gear fear and enjoy the game more.

Sorry for the wall of text, you guys should be used to it with me by now :D I made these guides in video but not in english, so here I am typing it all for you guys.
Enjoy :)
submitted by SixOneZil to EscapefromTarkov [link] [comments]

12.7 PATCH NOTES

Dear Escapers!
We are glad to present you the preliminary patch notes for the 0.12.7 patch!
---
Added:
---
• Customs expansion (expansion of industrial area, construction site, added many new explorable buildings, stationary weapons, new location for Reshala spawn etc.)
• Added new scav boss - Sanitar.
A former doctor, he worked in the health resort "Lazurny bereg", and before that in the TerraGroup laboratory. After the events that happened in Tarkov, he gathered a gang with former colleagues and operates on the "Shoreline". Actively uses professional skills in combat, quickly healing himself and the gang members. He uses various stimulants and medications, including those of his own production. He can quickly perform surgery by pulling out a bullet or applying a tourniquet on the field. Sometimes he is loyal to the Scavs and can leave a couple of first-aid kits or other medical supplies for his own group members on location
• New quests on Shoreline
• System for reporting suspicious players, unacceptable nicknames and game bugs abusers (on the post-match screen)
Improved AI behavior:
• Bots can pick up items now
• Improved AI behavior when they see bodies
• Bots now can pick up a second firearm from bodies
• AI now can greet each other or player scavs, showing their peaceful intentions
• Bots will eat\drink while in peaceful mode
• AI will perform a mag check when in peaceful mode
• Bots can check someone for friend or foe by aiming at him for some time, if they’re not sure of one’s intentions
• Bots will sprint while patrolling if they consider the spot being dangerous
• AI will be able to storm the player as a group, if he’s holding position and attacking them
• AI will try to avoid dangerous places
---
New weapons:
---
• FN GL40 Grenade launcher
• Mossberg 590A1 Shotgun
---
New ammo:
---
• .366 AP-M
• .45 ACP Hydr-Shock
• 9x19 mm QuakeMaker
• 9x19 mm 7N31
• .45 ACP Lasermatch FMJ
• .45 ACP AP
• 7.62x51 mm M993
• 40x46 мм M381 HE
• 40x46 мм M386 HE
• 40x46 мм M406 HE
• 40x46 мм M433 HEDP
• 40x46 мм M441 HE
• 40x46 мм M576 buckshot
---
Added new stimulants:
---
• 3-(b-TG)
• L1 (Noradrenaline)
• P22 (Specimen 22)
• AHF1-M
• Meldonin
• "Obdolbos" cocktail
• M.U.L.E
• Added an additional icon for the network connection status in case of high packet loss
• In the container slots window, the container tag is now displayed in the header
---
Iteration of improving and reworking the skill system:
---
New skill "Surgery"
• Reduces HP penalty for surgery
• Improved surgery speed
• (Elite) No HP penalty for the restored body part
• (Elite) Maximum increase in the speed of surgery
New skill "Aim drills"
• Increase of the aiming speed
• Decrease the volume of aiming
• (Elite) No hand shaking at any stamina value, first 2 seconds after aiming
• (Elite) Reduced hands shaking during tremor and fracture, the first 2 seconds after aiming
Rework of the “Strength” skill
• Increase all weight limits
• Increase the speed of the sprint
• Increase the jump height
• Increase the strength of the grenade throw
• Increase the strength of a melee attack
• (Elite) The weight does not take into account the weapons on the sling and on the back
• (Elite) Melee attack can be stronger than usual
Rework of the "Endurance" skill
• Increased feet stamina
• Reduced stamina consumption for jumping
• Increased holding breath time when ads
• Increased the speed of breath recovery
• (Elite) Maximum increase in breathing recovery rate
• (Elite) Breathing is no longer dependent on energy
• (Elite) Increased stamina reserve
Various fixes in old skills
• Added 5 HP to the health of “Chest” zone (from 80 to 85)
---
Optimization:
---
• Optimized the rendering of decals
• Fixed freezes that happened when the sound of thunder or the sound of grenades exploding was played
• Optimized the performance of the game server
• Fixed an issue with killing the boss of a group of raiders who appeared on the scene after interacting with the trigger was leading to errors on the server
• Minor optimizations on the first shot or hit
• Optimization of hideout sounds
• Fixes of errors that could potentially lead to different freezes
---
Fixed:
---
• Iteration of fixes and corrections in UI
• Bug with the PostFX menu that remains on the screen after closing the settings
• Bug playing the sound of contusion if the sound is turned off in the settings
• Bug of jerky animation of shooting weapons in the Hideout shooting range
• The passage of raiders on the laboratory through the doors
• A bug that allowed you to quickly move when constantly tapping the "Run" button when overweight
• AS VAL with the handle adapter "Rotor 43" is now impossible to fold
• Inability to exit the location via the paid exit “Car”, if you reconnect at the start of the exfil timer
• Bug with throwing away the magazine when reloading the weapon via the context menu
• Error 228 when receiving items from an expired email
• Formulas for calculating prices for items with its resource and its commissions
• After the reconnect, the equipment that was not searched become searched
• The sound of the visor on/off remained at one point, and does not follow the character
• Bug that wouldn't block buttons on the bottom panel after reconnecting as a Scav
• Interface block if you go to the “Map” screen without a map
• Bug when the "Receive all" button opened only the first and last message with items
• Various bugs with switching the sound from “outdoor " to "indoor", and back, when reconnecting
• Bug of not blocking an item after it was added to the merchant's sales table
• Cartridges from packs of cartridges found in raid now have the status " found in the raid”
• Error when studying items from the scav box
• Fixes in the flea Market
• The search will be updated if you delete and add an item to the wish list
• Loss of a player's nickname and rating from the offer line after applying filters
• The “search by item" option now resets the selected filters
• Bug displaying the loading spinner on top of the list of offers
• The mount without the “Found in raid" label ceased to be semitransparent (blocked) in the selection of the item for the offer, if you put and remove the mod on it
• Bug when the merchant's avatar was flattened
• Incorrect tag behavior on marked items for a flea market offer if you select multiple items from the container, closing and opening the container
• Horizontal scrollbar on the product sales screen
• Bug when the player couldn't put 2 identical weapons on the flea market if one of them was included in the starter kit for pre-order
• Error 1508 - You send bad items- when putting an empty pack of cartridges on a flea Market
• Bug, when for buying through a flea market goods from npc merchants needed items found in raid
Fixed in weapon presets
• Displaying the indicator “you have mods to build” when there are no mods for the build in the stash
• Bug when the build could have been built with the wrong mod that was not in the preset
• Weapon disassembly bug if you build the same preset twice with the same weapon
• Ability to select items that are blocked for purchase, via the presets by clicking the button “Select all”
• Packs of items are no longer displayed in the purchase lists of preset mods
• The purchase lists of presets no longer display items the player's own offers
• Added an error about lack of space when purchasing preset mods
• Bug when opening presets through the lower panel that caused the game client to freeze
Fixed in the hideout
• Various fixes in the bitcoin farm
• White authorization screen if you improve the pre-order version while in the hideout
• Bug when it was possible to install a filter with zero resource in the “Water collector” and it could not be uninstalled
• Calculation of fuel consumption time in the “Generator " zone
• Bug duplicating the canister icon, when selecting a canister, in the “Generator" zone
• Various bugs in group chat
• Bugs with the discharge of weapons in the stash
• Incorrect position of the fire mod pin and the turn of the barrel of the PPSH
• Visual bug for displaying a zero bonus in the base level zones in the Hideout
• Visual bug with the availability of time selection before the raid on the Laboratory screen
• A bug where the player could spawn outside the location
• Spamming error NullReferenceException: MuzzleManager
• An error that occurs every time after treatment or getting a fracture
• "Failed to create device file" error that occurs during client downtime
• Errors when assigning voice commands
• Spamming error when a large number of bots are active in the offline mode
• Various errors while loading in raid
• Various bugs and issues with Customs location
• Various bugs and improvements related to AI
• Fixed a bug when bots didn't follow a grenade throw with a voiceline
• Fixed a handful of bugs related to bots getting stuck
• Fixed a bug where a Gluhar would not react to a killed in the head ally
• Fixed a bug when bots tried to heal a blacked out body part
• Bots are now able to treat debuffs on blacked out body parts again
• Fixed a handful of bugs with bots knocking out doors
• Other AI related bug fixes and improvements
• Various localization fixes and improvements
• Other minor bugs and issues
---
Changed:
---
• Now it is possible to examine items from the construction requirements screen in the Hideout
• Added displaying the time before the bleeding effect disappears in the stash
• Now if you are not matched to the raid within 45 minutes, the search will be canceled
• Updated SV-98 animation, hold, new animations when entering and exiting a sprint, new hold in the menu and on the loading screen
• Updated PPSH animation, hold, and new animations when entering and exiting a sprint
submitted by lordwerneo to EscapefromTarkov [link] [comments]

Patch .12.7 (Today 14:00 MSK) - Notes & Discussion

Edit: For those on New Reddit, we're trying out the "Event" style post, so you should see a start time listed above this post in your local timezone. It seems like it's a hour ahead for me, for whatever reason. Let me know if it works for you.
The installation of the patch has finished!
The installation of the patch has begun!
Regards to CptQ for this count-down timer for those not on new.reddit:
#Countdown Timer

Per the Official EFT Discord:

Tomorrow [The 27th], at 14.00 Moscow time we plan to start installation of the update 0.12.7. The game will be stopped. Installation of the update will take approximately 4 hours, but can be extended if necessary.
Twitter Post: https://twitter.com/bstategames/status/1287475159432081408
Check out the latest Raid Episode (#4): https://www.youtube.com/watch?v=2u8hkw2UTy4
Help our Wiki Editors out: https://old.reddit.com/EscapefromTarkov/comments/hyftjg/your_patchly_wiki_post/

FAQ:

Below are the patch notes for .12.7 :

___
Patch 0.12.7:
Added:
New ammo:
Added new stimulants:

Optimization:
Fixed:
Fixed in weapon presets
Fixed in the hideout
Changed:
submitted by Fwopp to EscapefromTarkov [link] [comments]

Stakenet (XSN) - A DEX with interchain capabilities (BTC-ETH), Huge Potential [Full Writeup]

Preface
Full disclosure here; I am heavily invested in this. I have picked up some real gems from here and was only in the position to buy so much of this because of you guys so I thought it was time to give back. I only invest in Utility Coins. These are coins that actually DO something, and provide new/build upon the crypto infrastructure to work towards the end goal that Bitcoin itself set out to achieve(financial independence from the fiat banking system). This way, I avoid 99% of the scams in crypto that are functionless vapourware, and if you only invest in things that have strong fundamentals in the long term you are much more likely to make money.
Introduction
Stakenet is a Lightning Network-ready open-source platform for decentralized applications with its native cryptocurrency – XSN. It is powered by a Proof of Stake blockchain with trustless cold staking and Masternodes. Its use case is to provide a highly secure cross-chain infrastructure for these decentralized applications, where individuals can easily operate with any blockchain simply by using Stakenet and its native currency XSN.
Ok... but what does it actually do and solve?
The moonshot here is the DEX (Decentralised Exchange) that they are building. This is a lightning-network DEX with interchain capabilities. That means you could trade BTC directly for ETH; securely, instantly, cheaply and privately.
Right now, most crypto is traded to and from Centralised Exchanges like Binance. To buy and sell on these exchanges, you have to send your crypto wallets on that exchange. That means the exchanges have your private keys, and they have control over your funds. When you use a centralised exchange, you are no longer in control of your assets, and depend on the trustworthiness of middlemen. We have in the past of course seen infamous exit scams by centralised exchanges like Mt. Gox.
The alternative? Decentralised Exchanges. DEX's have no central authority and most importantly, your private keys(your crypto) never leavesYOUR possession and are never in anyone else's possession. So you can trade peer-to-peer without any of the drawbacks of Centralised Exchanges.
The problem is that this technology has not been perfected yet, and the DEX's that we have available to us now are not providing cheap, private, quick trading on a decentralised medium because of their technological inadequacies. Take Uniswap for example. This DEX accounts for over 60% of all DEX volume and facilitates trading of ERC-20 tokens, over the Ethereum blockchain. The problem? Because of the huge amount of transaction that are occurring over the Ethereum network, this has lead to congestion(too many transaction for the network to handle at one time) so the fees have increased dramatically. Another big problem? It's only for Ethereum. You cant for example, Buy LINK with BTC. You must use ETH.
The solution? Layer 2 protocols. These are layers built ON TOP of existing blockchains, that are designed to solve the transaction and scaling difficulties that crypto as a whole is facing today(and ultimately stopping mass adoption) The developers at Stakenet have seen the big picture, and have decided to implement the lightning network(a layer 2 protocol) into its DEX from the ground up. This will facilitate the functionalities of a DEX without any of the drawbacks of the CEX's and the DEX's we have today.
Heres someone much more qualified than me, Andreas Antonopoulos, to explain this
https://streamable.com/kzpimj
'Once we have efficient, well designed DEX's on layer 2, there wont even be any DEX's on layer 1'
Progress
The Stakenet team were the first to envision this grand solution and have been working on it since its conception in June 2019. They have been making steady progress ever since and right now, the DEX is in an open beta stage where rigorous testing is constant by themselves and the public. For a project of this scale, stress testing is paramount. If the product were to launch with any bugs/errors that would result in the loss of a users funds, this would obviously be very damaging to Stakenet's reputation. So I believe that the developers conservative approach is wise.
As of now the only pairs tradeable on the DEX are XSN/BTC and LTC/BTC. The DEX has only just launched as a public beta and is not in its full public release stage yet. As development moves forward more lightning network and atomic swap compatible coins will be added to the DEX, and of course, the team are hard at work on Raiden Integration - this will allow ETH and tokens on the Ethereum blockchain to be traded on the DEX between separate blockchains(instantly, cheaply, privately) This is where Stakenet enters top 50 territory on CMC if successful and is the true value here. Raiden Integration is well underway is being tested in a closed public group on Linux.
The full public DEX with Raiden Integration is expected to release by the end of the year. Given the state of development so far and the rate of progress, this seems realistic.
Tokenomics
2.6 Metrics overview (from whitepaper)
XSN is slightly inflationary, much like ETH as this is necessary for the economy to be adopted and work in the long term. There is however a deflationary mechanism in place - all trading fees on the DEX get converted to XSN and 10% of these fees are burned. This puts constant buying pressure on XSN and acts as a deflationary mechanism. XSN has inherent value because it makes up the infrastructure that the DEX will run off and as such Masternode operators and Stakers will see the fee's from the DEX.
Conclusion
We can clearly see that a layer 2 DEX is the future of crypto currency trading. It will facilitate secure, cheap, instant and private trading across all coins with lightning capabilities, thus solving the scaling and transaction issues that are holding back crypto today. I dont need to tell you the implications of this, and what it means for crypto as a whole. If Stakenet can launch a layer 2 DEX with Raiden Integration, It will become the primary DEX in terms of volume.
Stakenet DEX will most likely be the first layer 2 DEX(first mover advantage) and its blockchain is the infrastructure that will host this DEX and subsequently receive it's trading fee's. It is not difficult to envision a time in the next year when Stakenet DEX is functional and hosting hundreds of millions of dollars worth of trading every single day.
At $30 million market cap, I cant see any other potential investment right now with this much potential upside.
This post has merely served as in introduction and a heads up for this project, there is MUCH more to cover like vortex liquidity, masternodes, TOR integration... for now, here is some additional reading. Resources
TLDR; No. Do you want to make money? I'd start with learning how to read.
submitted by hotprocession to CryptoMoonShots [link] [comments]

Wife of Norwegian billionaire has been missing since Oct. 31st 2018. She is presumed kidnapped and/or killed. There was a ransom note left at the crime scene, demanding 9 million Euros in crypto currency. What happened to Anne-Elisabeth Hagen?

So.. I have been waiting for months for someone to write about this case here, and since no one has I suppose I’ll have to give it a shot. This is my first reddit post so mishaps are bound to happen, English is not my first language, apologies for any mistakes, etc… (is this a meme yet?) Edit: wow, holy crap! I didn't expect to be given gold! Thank you kind stranger!
Edit: I have added more to the bottom of this post to clear up some confusion or add more important information that I missed the first time.
Anne-Elisabeth Falkevik Hagen (68) is the wife of Norwegian billionaire Tom Hagen, an investor and co-founder of a company called Elkraft. They married young, only 19 years old, before Hagen made his fortune. Although Hagen is now one of Norway’s richest people, the 172nd richest according to financial magazine Kapital, he and his wife have seemingly led unassuming, quiet lives. From an outsiders perspective they seem like the kind of billionaires you could only hope to be if you ever found yourself in such financial luck, grounded and down to earth, living in the same house for almost 40 years, in a suburb of Oslo called Lørenskog. Tom drives a simple Citroën car. They are parents and grandparents. You would never look at them and think "ah, rich people!".
Their house looks like any suburban Norwegian home, there’s nothing flashy or noteworthy about it. No extra security surrounding the area either. There are no gated communities in Norway, but there are still security measures one can take, and probably should take if you’re that rich, and the fact that they hadn’t might have been one of the reasons Anne-Elisabeth was targeted.
This case reads more like a Hollywood movie than an actual crime case to me, because we don’t really have crime like this in Norway. The police kept the alleged kidnapping a secret until January 9th. Since then little pieces of information have come out or developments have happened in the case, but Anne-Elisabeth is still missing. The police now presumes she has been killed, perhaps even on the day she disappeared. Her family, who speaks to the media through their lawyer, still holds out hope that she might be alive.

I’ll try to keep everything precise and easy to follow:
November
Because of the threats in the letter, the police can’t go out with any information regarding Anne-Elisabeth’s disappearance. They have to work very carefully and quietly in their home to secure evidence from the crime scene. KRIPOS (The National Criminal Investigation Service) and ØKOKRIM (National Authority for Investigation and Prosecution of Economic and Environmental Crime in Norway) get involved.
The police finds traces of Anne-Elisabeths blood inside the house, as well as a shoe print. It is unclear whether or not the blood was from the day of the disappearance. The amount of blood found is reportedly “not unusual” because she lived there, which I take to mean it was very little.
Tom Hagen continues to go to work, people describe him as unsociable and desolate during this period. Neighbors are told Anne-Elisabeth is “away”, and family members are kept in the dark as well. At the end of November family members are starting to feel like something is going on. Finally they find out that Anne-Elisabeth is missing, and there are talks of a kidnapping. No one is allowed to say anything.
December
The investigation is still top secret.
January 9th
The police finally allow the media to talk about the case. Norwegian media have known about it for a long time but have been told not to say anything yet. The apparent kidnapping is announced in a press conference after 10 weeks of utmost secrecy.
A few days after the press conference, the police releases a video of the area around Tom Hagen's workplace. A man can be seen walking down the road next to Tom’s place of work at 7:36am on the morning of the crime. He then abruptly stops and turns around to walk back the same way from where he came.
24 minutes later, another man can be seen walking down the same way. He is passed by a cyclist, who has been identified. The two other men have never come forward. It has been theorised that these two men might have been a look-out of sorts.
January 16th
The family receives a new message from the person or people who claim to have Anne-Elisabeth. This message is recieved through crypto currency (bitcoin this time). I’m not quite sure how this works, but from what I’ve read it’s a difficult and insufficient way to communicate.
January 27th
The family again is in communication with the alleged kidnappers.
Some people find it curious at this point that these alleged kidnappers have been unwilling to communicate with the family during the ten weeks of secrecy, but now that the world knows, they are willing to talk. Who is behind this, exactly? Professional criminals who saw an opportunity after the article in Dagens Næringsliv was published and they realised the man in question lives completely unprotected? A family member? Enemies of Tom Hagen? Could it be Tom himself? Who would want to hurt this woman? Rumours are spreading.
February
The police advice the family not to pay the ransom unless they receive evidence of Anne-Elisabeth’s well-being. This is stressed in every press conference, both in Norwegian and English. The family is hopeful that proof will now be provided, seeing as the alleged kidnappers are now willing to talk, albeit very little. However, they receive nothing.
The police interviews a lot of people, including business partners of Tom’s.
April
After a long Norwegian winter, the police wants to search the lake right next to Tom and Anne-Elisabeth’s house. They employ a police dog specialized in search in water (the same dog who helped in the Kim Wall case). It’s unclear whether or not they actually find anything during this search. Certainly no body or anything like that.
May
The family decides to attempt contacting the alleged kidnappers themselves. They haven’t heard anything at all since January 27th. No evidence of Anne-Elisabeth’s well-being has been provided, and none is provided this time either.
June
The police officially changes their main hypothesis. They now believe Anne-Elisabeth was murdered, and not kidnapped for financial gain. They believe the ransom note as well as any evidence found in the house might have been staged to look like a kidnapping.
More surprisingly, the police officially cancels any further search of the two men seen in the surveillance video outside of Tom Hagen’s work the morning of Anne-Elisabeth’s disappearance. They still have not been identified and it is unknown why the police now believes them not to be involved.
July 8th
The family lawyer Svein Holden receives an e-mail from the dark web. It is written in Norwegian, and the writing style suggests that it may have been written by the same person who penned the ransom note. According to Svein Holden this e-mail contains information that only a perpetrator would know. The message of this e-mail is as follows: in order to receive evidence of Anne-Elisabeth being alive, the family has to pay.
It is again commented on by outsiders how odd it is that this message is received now, five months after the previous one, and right after the police changed their main hypothesis.
Tom Hagen decides to pay 1.3 million Euros in crypto currency. He receives nothing in return.
August
The shoe print found at the crime scene is sent for analysis to police all over Europe. German police finds out that the print belongs to a shoe by the brand Sprox, and is in European size 45. It is sold in Norway at Sparkjøp. The police now requests help from the public, and everyone who have purchased these shoes in cash is encouraged to come forward.
September
The cable tie left at the crime scene has been analysed and has been found to be produced in China and sold in Norway at Biltema.
Both Biltema and Sparkjøp are fairly common stores in Norway.
October
The police have now also analysed the paper the ransom note was written on and the envelope it came in. It was purchased at Clas Ohlson, another common store in Norway. All three stores tied to this case are located in Romerike, the district in which Tom and Anne-Elisabeth Hagen lives.
It’s closing in on a year since Anne-Elisabeth disappeared without a trace. The entire country is awaiting answers. The 25th of October would have been Tom and Anne-Elisabeth’s Golden wedding anniversary. On Thursday the 31st, 365 days have passed since this all happened. But it is not a Halloween tale, it is real life. What happened to her? Where is she? Could she still be alive after all this time?
Edited to add more information or clear up some confusing things:
I'll continue to update if I see common questions or there's anything else I remember!

Sources (unfortunately mostly in Norwegian):https://www.vg.no/spesial/2019/lorenskog-forsvinningen-ett-aa?maaned=sommer2018 https://www.vg.no/nyheteinnenriks/i/KvJ6lG/frigir-film-fra-forsvinningsdagen-frykter-ektemannen-ble-holdt-under-oppsikt https://www.dn.no/marked/tom-hagen/strom/eiendom/tom-hagen-tjente-174-millioner-pa-strom-og-eiendom-i-fjo2-1-387353 https://www.cbsnews.com/news/norway-billionaires-wife-anne-elisabeth-falkevik-hagen-being-held-for-ransom/
submitted by __moonflower to UnresolvedMysteries [link] [comments]

Patch Notes Thread

Dear Escapers!
We are glad to present you the preliminary patch notes for the 0.12.7 patch!
Added:
• Customs expansion (expansion of industrial area, construction site, added many new explorable buildings, stationary weapons, new location for Reshala spawn etc.)
• Added new scav boss - Sanitar.
A former doctor, he worked in the health resort "Lazurny bereg", and before that in the TerraGroup laboratory. After the events that happened in Tarkov, he gathered a gang with former colleagues and operates on the "Shoreline". Actively uses professional skills in combat, quickly healing himself and the gang members. He uses various stimulants and medications, including those of his own production. He can quickly perform surgery by pulling out a bullet or applying a tourniquet on the field. Sometimes he is loyal to the Scavs and can leave a couple of first-aid kits or other medical supplies for his own group members on location
• New quests on Shoreline
• System for reporting suspicious players, unacceptable nicknames and game bugs abusers (on the post-match screen)
Improved AI behavior:
• Bots can pick up items now
• Improved AI behavior when they see bodies
• Bots now can pick up a second firearm from bodies
• AI now can greet each other or player scavs, showing their peaceful intentions
• Bots will eat\drink while in peaceful mode
• AI will perform a mag check when in peaceful mode
• Bots can check someone for friend or foe by aiming at him for some time, if they’re not sure of one’s intentions
• Bots will sprint while patrolling if they consider the spot being dangerous
• AI will be able to storm the player as a group, if he’s holding position and attacking them
• AI will try to avoid dangerous places
New weapons:
• FN GL40 Grenade launcher
• Mossberg 590A1 Shotgun
New ammo:
• .366 AP-M
• .45 ACP Hydr-Shock
• 9x19 mm QuakeMaker
• 9x19 mm 7N31
• .45 ACP Lasermatch FMJ
• .45 ACP AP
• 7.62x51 mm M993
• 40x46 мм M381 HE
• 40x46 мм M386 HE
• 40x46 мм M406 HE
• 40x46 мм M433 HEDP
• 40x46 мм M441 HE
• 40x46 мм M576 buckshot
Added new stimulants:
• 3-(b-TG)
• L1 (Noradrenaline)
• P22 (Specimen 22)
• AHF1-M
• Meldonin
• "Obdolbos" cocktail
• M.U.L.E
• Added an additional icon for the network connection status in case of high packet loss
• In the container slots window, the container tag is now displayed in the header
Iteration of improving and reworking the skill system:
New skill "Surgery"
• Reduces HP penalty for surgery
• Improved surgery speed
• (Elite) No HP penalty for the restored body part
• (Elite) Maximum increase in the speed of surgery
New skill "Aim drills"
• Increase of the aiming speed
• Decrease the volume of aiming
• (Elite) No hand shaking at any stamina value, first 2 seconds after aiming
• (Elite) Reduced hands shaking during tremor and fracture, the first 2 seconds after aiming
Rework of the “Strength” skill
• Increase all weight limits
• Increase the speed of the sprint
• Increase the jump height
• Increase the strength of the grenade throw
• Increase the strength of a melee attack
• (Elite) The weight does not take into account the weapons on the sling and on the back
• (Elite) Melee attack can be stronger than usual
Rework of the "Endurance" skill
• Increased feet stamina
• Reduced stamina consumption for jumping
• Increased holding breath time when ads
• Increased the speed of breath recovery
• (Elite) Maximum increase in breathing recovery rate
• (Elite) Breathing is no longer dependent on energy
• (Elite) Increased stamina reserve
Various fixes in old skills
• Added 5 HP to the health of “Chest” zone (from 80 to 85)
Optimization:
• Optimized the rendering of decals
• Fixed freezes that happened when the sound of thunder or the sound of grenades exploding was played
• Optimized the performance of the game server
• Fixed an issue with killing the boss of a group of raiders who appeared on the scene after interacting with the trigger was leading to errors on the server
• Minor optimizations on the first shot or hit
• Optimization of hideout sounds
• Fixes of errors that could potentially lead to different freezes
Fixed:
• Iteration of fixes and corrections in UI
• Bug with the PostFX menu that remains on the screen after closing the settings
• Bug playing the sound of contusion if the sound is turned off in the settings
• Bug of jerky animation of shooting weapons in the Hideout shooting range
• The passage of raiders on the laboratory through the doors
• A bug that allowed you to quickly move when constantly tapping the "Run" button when overweight
• AS VAL with the handle adapter "Rotor 43" is now impossible to fold
• Inability to exit the location via the paid exit “Car”, if you reconnect at the start of the exfil timer
• Bug with throwing away the magazine when reloading the weapon via the context menu
• Error 228 when receiving items from an expired email
• Formulas for calculating prices for items with its resource and its commissions
• After the reconnect, the equipment that was not searched become searched
• The sound of the visor on/off remained at one point, and does not follow the character
• Bug that wouldn't block buttons on the bottom panel after reconnecting as a Scav
• Interface block if you go to the “Map” screen without a map
• Bug when the "Receive all" button opened only the first and last message with items
• Various bugs with switching the sound from “outdoor " to "indoor", and back, when reconnecting
• Bug of not blocking an item after it was added to the merchant's sales table
• Cartridges from packs of cartridges found in raid now have the status " found in the raid”
• Error when studying items from the scav box
• Fixes in the flea Market
• The search will be updated if you delete and add an item to the wish list
• Loss of a player's nickname and rating from the offer line after applying filters
• The “search by item" option now resets the selected filters
• Bug displaying the loading spinner on top of the list of offers
• The mount without the “Found in raid" label ceased to be semitransparent (blocked) in the selection of the item for the offer, if you put and remove the mod on it
• Bug when the merchant's avatar was flattened
• Incorrect tag behavior on marked items for a flea market offer if you select multiple items from the container, closing and opening the container
• Horizontal scrollbar on the product sales screen
• Bug when the player couldn't put 2 identical weapons on the flea market if one of them was included in the starter kit for pre-order
• Error 1508 - You send bad items- when putting an empty pack of cartridges on a flea Market
• Bug, when for buying through a flea market goods from npc merchants needed items found in raid
Fixed in weapon presets
• Displaying the indicator “you have mods to build” when there are no mods for the build in the stash
• Bug when the build could have been built with the wrong mod that was not in the preset
• Weapon disassembly bug if you build the same preset twice with the same weapon
• Ability to select items that are blocked for purchase, via the presets by clicking the button “Select all”
• Packs of items are no longer displayed in the purchase lists of preset mods
• The purchase lists of presets no longer display items the player's own offers
• Added an error about lack of space when purchasing preset mods
• Bug when opening presets through the lower panel that caused the game client to freeze
Fixed in the hideout
• Various fixes in the bitcoin farm
• White authorization screen if you improve the pre-order version while in the hideout
• Bug when it was possible to install a filter with zero resource in the “Water collector” and it could not be uninstalled
• Calculation of fuel consumption time in the “Generator " zone
• Bug duplicating the canister icon, when selecting a canister, in the “Generator" zone
• Various bugs in group chat
• Bugs with the discharge of weapons in the stash
• Incorrect position of the fire mod pin and the turn of the barrel of the PPSH
• Visual bug for displaying a zero bonus in the base level zones in the Hideout
• Visual bug with the availability of time selection before the raid on the Laboratory screen
• A bug where the player could spawn outside the location
• Spamming error NullReferenceException: MuzzleManager
• An error that occurs every time after treatment or getting a fracture
• "Failed to create device file" error that occurs during client downtime
• Errors when assigning voice commands
• Spamming error when a large number of bots are active in the offline mode
• Various errors while loading in raid
• Various bugs and issues with Customs location
• Various bugs and improvements related to AI
• Fixed a bug when bots didn't follow a grenade throw with a voiceline
• Fixed a handful of bugs related to bots getting stuck
• Fixed a bug where a Gluhar would not react to a killed in the head ally
• Fixed a bug when bots tried to heal a blacked out body part
• Bots are now able to treat debuffs on blacked out body parts again
• Fixed a handful of bugs with bots knocking out doors
• Other AI related bug fixes and improvements
• Various localization fixes and improvements
• Other minor bugs and issues
Changed:
• Now it is possible to examine items from the construction requirements screen in the Hideout
• Added displaying the time before the bleeding effect disappears in the stash
• Now if you are not matched to the raid within 45 minutes, the search will be canceled
• Updated SV-98 animation, hold, new animations when entering and exiting a sprint, new hold in the menu and on the loading screen
• Updated PPSH animation, hold, and new animations when entering and exiting a sprint
submitted by MiNNOCENTWORKACCOUNT to TheScavLands [link] [comments]

Little note pad guide I put together

***EDIT***
========I have now added a hideout crafting manual into this too now========
Hey guys. Nothing major. I just made this note pad guide. There might be some spelling error's here and there and inconsistencies but It's just here for people to use post wipe and for new players to use so they don't throw away useful stuff they pick up in raid. Have fun guys.
Just copy-paste it into a note pad text document and it should work fine Have fun PMC's
Content:
  1. Hideout upgrade manual
  2. Hideout Crafting manual
  3. Quest Item Manual
  4. Useful barter Manual
  5. Useful youtube videos
=================================================================================Hideout Upgrade list=================================================================================
Key:
PSU = Power supply unit
______________________________________
__________Air Filtering Unit__________
Level 1: $10,000

_____________Bitcoin Farm_____________
Level 1: 10 CPU fan, 5 PSU, 5 powercord, 1 electric drill
Level 2: 15 CPU fan, 5 PSU, 5 Circuit Board, 2 Phase control relay
Level 3: 25 CPU fan, 10 silicone tube, 1 Eletric motor, 2 Pressure gauge

___________Booze Generator____________
Level 1: 4 Silicone tube, 2 analog thermometer, 2 pressure gauge, 5 corrugated hose

______________Generator_______________
Level 1: ₽100,000
Level 2: 5 Phase control relay, 1 Eletric motor, 15 Wires
Level 3: 6 Phase control relay, 2 Eletric motor, 5 Spark plug, 5 PSU

_______________Heating________________
Level 1: ₽25,000
Level 2: ₽50,000
Level 3: 8 radiator Helix, 8 wires

_____________Illumination_____________
Level 1: ₽10,000
Level 2: 14 Light Bulb, 5 Wires
Level 3: ₽50,000, 7 Capacitors

__________Intelligence Center_________
Level 1: 1 Folder with Intelligence
Level 2: 3 Folder with Intelligence, 3 USB flash drive, 4 Powercord, 4 Hard drive
Level 3: 2 Military COFDM, 2 VPX flash storage, 3 Gas analyzer, 4 Military cable

_______________Lavatory_______________
Level 1: ₽2,000
Level 2: 3 Corrugated hose, 5 Pack of screws, 1 Electric drill
Level 3: 6 Corrugated hose, 2 Pressure gauge, 1 tool set, 3 Xenomorphic

_______________Library________________
Level 1: ₽400,000

______________Medstation______________
Level 1: ₽25,000
Level 2: ₽50,000, 1 Medical bloodset, 3 saline solution
Level 3: ₽150,000, 5 Saline solution, 1 LEDX

____________Nutrition Unit____________
Level 1: ₽25,000, 2 Phase control relay
Level 2: 4 Wrench, 2 Corrugated hose, 2 Akali, 1 Phase control relay
Level 3: ₽125,000, 3 Coffee Majaice, 3 sodium

______________Rest Space______________
Level 1: ₽10,000
Level 2: ₽35,000
Level 3: $3,000, 4 powercord, 5 capacitors, 7 wires

______________Scav Case_______________
Level 1: 2 Lion, 2 Gold Skull, 6 gold chain, 3 Roler

______________Security________________
Level 1: ₽20,000
Level 2: ₽45,000
Level 3: 2 Working LCD, 4 Wires, 8 NIXXOR lense, 1 SSD Drive

____________Shooting range____________
Level 1: 4 Pack of screws, 5 screw nut, 5 bolts, 3 Duct tape

_____________Solar Power______________
Level 1: €15,000

________________Stash_________________
Level 1: ₽3,500,000, 1 Handdrill, 7 pack of screws, 4 WD-40
Level 2: ₽8,500,000, 2 Eletric Drill, 8 pack of screws
Level 3: €150,000

________________Vents_________________
Level 1: ₽25,000
Level 2: 1 Electric motor, 1 car battery
Level 3: 2 Electric motor, 8 Wires, 3 circuit board, 3 Car Battery

____________Water Collector___________
Level 1: 4 Corrugated hose, 5 Bolts, 5 Screw nut, 3 Duct tape
Level 2: 6 Corrugated hose, 2 Electric motor, 2 Tool set
Level 3: ₽ 125,000, 2 Pliers Elite, 5 Shushtrilo sealing foam

______________Workbench_______________
Level 1: 2 Screw nuts, 2 Bolts, 1 Leatherman Multitool
Level 2: 3 Tool sets, 2 Electric drill, 6 bolts
Level 3: ₽195,000, 2 Pliers Elite, 1 Fireklean gun lube
____________________________________________________________________________________________________________________________________________________________________________________

================================================================================Hideout crafting list================================================================================
__________Intelligence Center_________
Flash drive: 1 GPhone, 1 GPX, 1 SSD Level 2
Intelligence: 3 Flash drive Level 3

_______________Lavatory_______________
Expeditionary fuel tank: 6 Zibbo, 8 Crinket Level 2
2 Corrugated hose: 1 Silicone tube, 3 Wires, 3 blue tape Level 2
Magazine case: 2 Expeditionary fuel tank, 1 M.Scissor, 3 bolts, 3 screw nut Level 2

______________Medstation______________
3 AI-2 Medkit: 1 meds Level 1
Salewa: 1 Painkillers, 1 Bandage, 1 Splint Level 1
2 Meds: 1 AI-2, 1 Bandage, 1 augmentin Level 2
2 IFAK: 2 Meds, 2 Army Bandage Level 2
Grizzly: 5 Meds Level 3

____________Nutrition Unit____________
Iskra Lunch box: 2 Crackers, 1 Tushonka, 1 Squash Level 1
7 Slickers: 1 Alyonka, 1 Oatflakes, 1 Crackers Level 2
8 Aquamari: 1 Superwater, 1 Silicone tube Level 3

____________Water Collector___________
Superwater: 1 Water filter Level 3

______________Workbench_______________
Red gunpowder: 1 Blue gunpowder, 1 Green gunpowder, 1 match box Level 1
8 VOG-25 Khattabka grenade: 5 40 mm VOG-25, 5 fuze Level 1
1 Blue gunpowder: 70 5.45x39 mm PS Level 1
1 Motor: 2 Electric drill, 1 Flat screwdriver, 1 screwdriver Level 2
5 car battery: 1 6-STEN-140-M military battery, 1 Leatherman multitool Level 2
5 RGD-5 grenade: 1 OFZ 30x160mm shell Level 3
____________________________________________________________________________________________________________________________________________________________________________________
Key:
* = Must be found in raid
^ = Requied Item
~~~~ = Common items to look out for.
=================================================================================Quest Items to keep=================================================================================
Prapor | Checking: Machinery key^
Prapor | Delivery from the past: Customs office key^
Prapor | Bad rep evidence: Portable cabin key of customs Factory zone^
Prapor | Ice Cream Cones: 6 60round AK magazines
Prapor | Shaking up teller: Dorm room 203 Key^
Prapor | The Punisher part 2: 10 Lower half-masks* ~~~~
Prapor | The Punisher part 4: 10 Bars A-2607- 95x18 | ANY Balaclava^ (CF, Balaclava, Ghost, Momex), Scav Vest^
Prapor | The Punisher part 5: 3 M4A1's, 3 AK-74N's, 5 PM Pistols
Prapor | The Punisher part 6: 10 USEC dogtags, 10 BEAR dogtags
Prapor | Regulated materials: Military Battery*, 10 30-mil. shells*

Therapist | Shortage: 5 Salewa kits
Therapist | Sanitary Standards part1: Gas analyzer*
Therapist | Sanitary Standards part2: 3 Gas analyzers
Therapist | Operation Aquarius part1: Dorm room 206 Key^
Therapist | Painkiller: 5 Morphine*
Therapist | Pharmacist: Dorm room 114 Key^
Therapist | General Wares: 15 Tushonka* ~~~~
Therapist | Car Repair: 4 Car batteries*, 8 Spark plugs* ~~~~
Therapist | Health care privacy part2: West wing room 306 key^
Therapist | Health care privacy part5: 3 Blue Gun powder^
Therapist | Hippocratic Vow: $500^
Therapist | Private clinic: 3 Ophthalmoscopes, 2 LEDX
Therapist | An apple a day: ₽400,000^


Skier | Supplier: 4 Module-3M bodyarmors, 4 TOZ-106 bolt-action shotguns
Skier | The Extortionist: Unknown key^
Skier | What's on the flash drive?: 2 USB flash drives
Skier | Golden Swag: Dorm room 303 Key^
Skier | Chemical part 1: Dorm room 220 Key
Skier | Chemical part 1: Dorm room 220 Key^
Skier | Friend from the west part 1: 2 MBSS Backpacks, 1 AVS platecarrier
Skier | Friend from the west part 2: $6,000
Skier | Vitamins part 1: Office 112 West wing key^, Key to EMERCOM medical unit^
Skier | Vitamins part 2: 5 Respirators*, 5 Medical bloodsets
Skier | Lend Lease Part 1: West wing room 216 key^, East wing room 306 key^, East wing room 308 key^
Skier | Chumming: 9 Gold Chains^
Skier | Bullshit: 1 Roler^, 1 SV-98 bolt-action sniper rifle^

Peacekeeper | Fishing gear: 1 SV-98 bolt-action sniper rifle^, 1 Leatherman Multitool^
Peacekeeper | Humanitarian supplies: 5 MRE lunch boxs
Peacekeeper | Spa tour part 3: 1 WD-40 100ml*, 2 Clin wipers*, 2 Corrugated hoses*, 2 Ox bleachs*
Peacekeeper | Spa tour part 4: West wing room 219 key^, West wing room 220 key^
Peacekeeper | Spa tour part 6: $8,000
Peacekeeper | Spa tour part 7: 4 Morphine*, 2 Akali*, 2 Corrugated hose*, 2 Propane*
Peacekeeper | Cargo X part 1: East wing room 306 key^, East wing room 308 key^
Peacekeeper | Lend Lease part 2: 3 Virtex programmable processor, 2 Military COFDM wireless Signal Transmitter,
Peacekeeper | Wet Job part 5: East wing room 328 key^, Health resort utility room key^
Peacekeeper | Mentor: €50,000

Mechanic | Farming part 1: 2 tool sets^
Mechanic | Farming part 2: 3 Powercord, 5 T-Shaped Plug, 3 Printed circuit board
Mechanic | Farming part 3: Customs office key^
Mechanic | Farming part 4: 7 Graphics cards, 7 CPU fans
Mechanic | Signal part 2: 3 PC CPU*, 3 Rechargeable battery*, 3 Printed Circuit board* , 3 Broken GPhone* ~~~~
Mechanic | Bad Habit: 7 Malboro Cigaarettes*, 7 Strike Cigarettes*, 7 Wilston cigarettes* ~~~~
Mechanic | Import: 2 UHF RFID Reader, 2 VPX Flash Storage Module
Mechanic | Fertilizers: 5 Wires*, 5 capacitors*

Ragman | Dressed to kill: 7 Ushanka ear-flap cap, 7 Kinda cowboy hat ~~~~
Ragman | Gratitude: Ghost balaclava^, Shemagh^, RayBench sunglasses^, Round frame sunglasses^
Ragman | Hot Delivery: 2 ComTac 2 headset^, 6B47 Helmet^, Gzhel-K armor^
Ragman | Database part 2: Key to OLI logistics department office^
Ragman | Sew it good part 1: 2 Shmaska, 2 Pilgrim backpack
Ragman | Sew it good part 2: 2 Gzhel-K armor
Ragman | Sew it good part 3: 2 6B43
Ragman | Sew it good part 4: 2 WTRig, 2 Black rock
Ragman | The blood of war part 2: 4 Fcond*
Ragman | Living high part 1: 3 lion, 3 horse, 2 cat, 1 roler
Ragman | Living high part 2: 3 teapot*, 2 Vase*
Ragman | Supervisor: Key to Goshan cash register
Ragman | Textile part 1: 5 Aramid fiber cloth*, 10 Ripstop cloth*, 3 paracord* ~~~~
Ragman | Textile part 2: 10 Fleece cloth*, 10 Polyamide fabric Cordura*, 5 KEKTAPE duct tape* ~~~~

Jaeger | Acquaintance: 5 Iskra lunch box, 6 Emelya rye croutons, 3 delicious beef stew ~~~~~~~~~~~~~~~~~
Jaeger | The survivalist path thrifty: 2 Iskra lunch box^, 2 Water Bottle^
Jaeger | Huntsman path - the trophie: 1 golden TT*
Jaeger | Huntsman path - Sellout: Killa's helmet*
Jaeger | Huntsman path - Woods keeper: Shturman's key*
Jaeger | Ambulance: 3 CMS surgery kits, 2 Portable Defilbrillators
Jaeger | Shady Business: 3 flash drives*
Jaeger | Fishing place: 3 TerraGroup Labs access keycards*

Fence | Pickup: firesteel*, Antique axe*, antique Book*, FireKlean gunlube*, rooster*, Silver badge*, Deadlyslob beard oil*, Golden GPhone*, Devildog Mayo*, Sprats*, Fake Mustache*, Kotton Beanie*

=================================================================================Useful barter trades EFT=================================================================================

---Prapor---
RGD-5 Grenade: 1 ES lamp - REPUTATION LEVEL 2
F1 Grenade: 2 ES lamp's - REPUTATION LEVEL 3

---Therapist---
Painkillers: 2 Match boxes - REPUTATION LEVEL 1
Car medkit: 2 Duct Tape - REPUTATION LEVEL 1
Lunchbox: 1 Syringe - REPUTATION LEVEL 1
Office key: 4 Gold chains - REPUTATION LEVEL 2
Med case: 7 Blood sets, 7 Syringes, 2 Vasaline - REPUTATION LEVEL 2
Scav Junk Box: 100 level 10+ dogtags - REPUTATION LEVEL 2
Document case: 1 cat statue, 1 Lion Statue, 5 Horse statues - REPUTATION LEVEL 2
ICase: 20 Ophthalmoscope 10 meds OR 140 level 15 dogtags - REPUTATION LEVEL 3

---Peacekeeper---
MBSS Backpack: 1 Hard Drive - REPUTATION LEVEL 1
P226R Pistol: 4 A-2607 - REPUTATION LEVEL 1
Intelligence: 2 Black diaries, 2 Green diaries - REPUTATION LEVEL 3

---Mechanic---
VOG-17 Grenade: 1 Fuze - REPUTATION LEVEL 1
AmmoCase: 5 Blue gunpowder, 1 Green gunpowder - REPUTATION LEVEL 1
Toolset: 1 Pliers, 1 screw driver, 1 Wrench, 1tape, 1 tape - REPUTATION LEVEL 1
LCD Screen: 3 Broken LCD screens - REPUTATION LEVEL 2

---Ragman---
PACA Armor: 3 Half Masks - REPUTATION LEVEL 1
6B5-15 Armor: 3 soap, 4 Toilet paper - REPUTATION LEVEL 1
6B47 Helmet: 2 Bleach - REPUTATION LEVEL 1
GSSh-01Headset: 2 Paper - REPUTATION LEVEL 1
MBSS backpack: 2 Level 1 Dogtags - REPUTATION LEVEL 1
ComTac Headset: 6 Matchboxes - REPUTATION LEVEL 2
Tri-zip: 4 ES lamps - REPUTATION LEVEL 2
GZHEL armor: 2 Gold Chains, 3 Coffee - REPUTATION LEVEL 3

---Jaeger---
Fuel: 15 Matchbox - REPUTATION LEVEL 1
Food bag: 10 hot rod, 15 tar cola, 5 Herring, 5 squash - REPUTATION LEVEL 2
Sicc case: 10 Paracord, 15 Duct tape, 10 Blue tape, 12 Nails - REPUTATION LEVEL 3
Red rebel: 15 Propane tank, 10 Fcond, 15 Dry fuel - REPUTATION LEVEL 3
Grenade box: 5 survL, 15 matches, 8 repellent - REPUTATION LEVEL 3

=================================================================================Useful Videos=================================================================================

5 Weapon builds for level 1-10: https://www.youtube.com/watch?v=3gaucOGg0Eg
3 Low recoil AK builds: https://youtu.be/gGtO79Mnp6E
3 Low recoil M4 builds: https://www.youtube.com/watch?v=OXNYEY8OlZ8
Body Armor guide: https://youtu.be/Cpbnt2beYkw
Helmet Guide: https://youtu.be/EVL18PTInAg
Pestily Playthrough Series: https://www.youtube.com/watch?v=NfhzNj4Fpcs&list=PLZJoJ7H5Zfou35S9qHj_lza1n-geWBW3s
submitted by Underdome_Savage to EscapefromTarkov [link] [comments]

Weekly Update: Parachute Crypto League, new assets on Voyager’s Interest Program, Fantom Lachesis now ABCI compatible, CyberFM + Blockchain Radio... – 1 May - 7 May'20

Weekly Update: Parachute Crypto League, new assets on Voyager’s Interest Program, Fantom Lachesis now ABCI compatible, CyberFM + Blockchain Radio... – 1 May - 7 May'20
Hi everyone, it’s been a difficult few weeks for everyone around the world with a constant barrage of sobering news – from COVID-19 to super cyclonic storms to George Floyd. I hope this update offers some much needed respite. Here’s your week at Parachute + partners (1 May - 7 May'20):

Congratulations to Foo for winning the inaugural Parachute Crypto League (which started last week). New leagues (including ones with $PAR prizes) were added this week. New Parachute league was added as well. How does it work? Click here to find out. Hope you got a chance to partake in the Tiproom giveaway event. Bose hosted a Football-themed trivia in TTR for some sweet $PAR rewards. Noice! Gamerboy’s random quiz for 1k $PAR per question got everyone scratching their heads. Unique and Victor’s trivias were pretty as well. Charlotte changed up the format of standard tiproom quizzes with a new one this week. Cap shared a sneak peek of what’s to come in the next few weeks. New $PAR use-case as well. Plus, latest digestives coming up. The 2FT ongoing theme continued with "videos featuring bands or artists whose name starts with the letters U, V, W, X or Y" this week. Check out all the cool music that got posted from Sebastian’s playlist. Epic gif Peace Love. Haha! Want to get some $PAR for staying in shape during the lockdown? Don’t forget to check out the TTR Pushups Contest. And if you were a fan of Jason’s Financial Fridays in 2gether, stay tuned for next week since it is coming back to Parachute. ParJar is currently at 32k+ users and 1.4M+ tips. Epic!
Jason shared a sneak peek into his computing setup. Pretty cool!
aXpire COO Matthew Markham wrote about the effect of legal billing software on law practice management. The monthly 200k $AXPR burn can be tracked here. 2gether CEO Ramon Ferraz routinely sends out emailers with project updates to all Founders (registered 2gether members). Click here to check out the latest. The crew also compiled a list of 7 books to read in order to learn about cryptocurrencies. Voyager introduced $XRP (Ripple), $EOS, $XLM (Stellar), $OMG (OmiseGO) and $ZRX (0x) to its Interest Program. Read more about it here. They celebrated it with a massive 5k $XRP giveaway along with an interest boost program. CEO Stephen Ehrlich sat down for an interview on Scott Melker’s (The Wolf of All Streets) podcast this week. Stephen was also interviewed by Jason Hartman (host of Creating Wealth Show). Switch released the first set of a 10 part series blog posts this week chronicling the story of the project starting with the beginning, move from Ethershift to Switch, launch of SwitchDex and the various Switch tokens. More to come next week. Fantom submitted a proposal to the MakerDAO community for adding $FTM as a collateral for $DAI. The latest technical update was published as well. The update covers news such as Fantom’s consensus protocol now being compatible to Application BlockChain Interface (ABCI). ABCI allows blockchain "transactions to be processed in any programming language". Saweet! Read more about ABCI compatibility here. The first Uptrennd Halvening ($1UP gets doubly difficult to earn) is expected to happen around the time of bitcoin halvening. Altcoin Buzz talked about it in their latest video. Huge congratulations on crossing 100k members! Uptrennd also announced a Citizenship program aimed at improving the overall quality of posts and comments by offering more giving power to higher ranked members. Jeff also sat down for interviews with Scott Cunningham for BeInCrypto and with Cash Alternative TV this week.
Amazing achievement, Uptrennd!
Following the launch of Pangaea Phase 3 last week, Harmony started an incentivised testnet staking program this week for delegators in partnership with Binance. The April #pow thread (i.e. project updates from April) can be found here. It was also summarised into an article. If you missed last week’s AMA, you can catch up from the transcript. Pangaea Phase 3 testing now has 1k+ validators and delegators. Noice! Part 2 from last week’s smart contract webinar was released. Harmony's Edgar Aroutiounian gave a presentation at Ready Layer One's online conference on BLS Aggregate Signatures. The project joined Indian state Telangana’s Blockchain District Accelerator program T-Block Accelerator as an official platform partner. Cointelegraph covered this news as well. The team also shared the latest updates through a community hangout. IntelliShare founder Raymond Xiong will appear for an AMA with CoinKeeper next week. Elections for the 6th Autonomous Committee started this week. GET Protocol shared their thoughts on how to reopen Dutch museums safely. COTI’s April rewards were distributed. Crypto analysis collective Trade Dog’s in-dept project review was released. Congratulations on getting the highest rating. If you have missed the events of April, the latest newsletter’s got your back. DoYourTip announced a partnership with InFocus Games to have their mascot Tipply as a playable character in the Pathfinders game in the form of an ERC1155 asset. The demo is live already. Have fun gaming! A DYT trading league on Crypto Leagues was started as well.
Harmony’s Pangaea P3 testing turned out to be a success with high participation throughout
Read all about Opacity’s April updates here. District0x’s latest weekly update report can be read here. The latest Hydro blogpost cleared some FAQs about prepaid cards. Community requests for the latest Sentivate update was closed this week. The update includes browser upgrade, devMode toggles etc. The code commits can be tracked on GitHub. Check out how stream and play works here. If you are worried about censorship resistance of the Universal Web, have a read of this tweet thread. Plus, a $BTC giveaway contest was launched by the crew as well. Chief Engagement Officer at OST, Simona Pop, spoke at the first ever Ethereal Virtual Summit this week in addition to speaking at Ready Layer One’s community event (as mentioned in the last update). The SelfKey team explored if there was a causal relationship between developer activity and market cap of a project. The data breach compilation article was updated. The crew will be hosting an AMA next week. The progress report for April was published. Now that Constellation’s Hypergraph Mainnet is live, read all about the current status and what next here. The team sat down for an AMA with KuCoin. The community-built balance-checker lets you look at mainnet wallet balances. The Yazom Mobile app got approved by Google Play. You can register for early access on the website. Blockchain Radio was integrated with CyberFM this week. This means all 17 featured shows and 23 radio hosts of Blockchain Radio will now be available on the CyberFM app.

And with that, we close for another week in the Parachuteverse. See you again with another update. Ciao.
submitted by abhijoysarkar to ParachuteToken [link] [comments]

Upon the Fortune of this Present Year | Monthly FIRE Portfolio Update - November 2019

My ventures are not in one bottom trusted, Nor to one place; nor is my whole estate Upon the fortune of this present year Therefore my merchandise makes me not sad
Shakespeare, The Merchant of Venice (1596)
This is my thirty-sixth portfolio update. I complete this update monthly to check my progress against my goals.
Portfolio goals
My objectives are to reach a portfolio of:
Both of these are based on an expected average real return of 4.19 per cent, or a nominal return of 7.19 per cent, and are expressed in 2018 dollars.
Portfolio summary
Vanguard Lifestrategy High Growth Fund – $797 618 Vanguard Lifestrategy Growth Fund – $45 218 Vanguard Lifestrategy Balanced Fund – $81 294 Vanguard Diversified Bonds Fund – $109 367 Vanguard Australian Shares ETF (VAS) – $158 769 Vanguard International Shares ETF (VGS) – $28 471 Betashares Australia 200 ETF (A200) – $268 114 Telstra shares (TLS) – $2 057 Insurance Australia Group shares (IAG) – $9 996 NIB Holdings shares (NHF) – $8 100 Gold ETF (GOLD.ASX) – $98 376 Secured physical gold – $15 868 Ratesetter (P2P lending) – $16 915 Bitcoin – $128 630 Raiz app (Aggressive portfolio) – $17 535 Spaceship Voyager app (Index portfolio) – $2 377 BrickX (P2P rental real estate) – $4 418
Total portfolio value: $1 793 753 (+$33 713)
Asset allocation
Australian shares – 43.2% (1.8% under) Global shares – 22.9% Emerging markets shares – 2.4% International small companies – 3.2% Total international shares – 28.4% (1.6% under) Total shares – 71.6% (3.4% under) Total property securities – 0.2% (0.2% over) Australian bonds – 4.8% International bonds – 9.8% Total bonds – 14.6% (0.4% under) Gold – 6.4% Bitcoin – 7.2% Gold and alternatives – 13.5% (3.5% over)
Presented visually, below is a high-level view of the current asset allocation of the portfolio.
[Chart]
Comments
This month the value of the portfolio increased again by around $33 000 in total, building on the previous two months of growth.
[Chart]
The equity part of the portfolio has grown by around $50 000 to now reach over $1.25 million for the first time. This increase includes new contributions and the last part of the previous June distributions being 'averaged into' equity markets. The equity component of the portfolio has increased by around 40 per cent this calendar year.
The only other major movement in the monthly value of the portfolio has been a sharp downward movement in the price of Bitcoin, and a small increase in the value of bond holdings.
[Chart]
The contributions this month went entirely into the Vanguard Australian shares ETF (VAS.ASX), to reduce the gap to both the overall target equity allocation, and to achieve the target split between Australian and global shares. From this month onwards I expect more regular variations in whether new contributions go to either Australian or global shares, based on keeping this target allocation constant.
Charting errors and wrong bearings - the nature of long-term returns
Over the last month, as the end destination starts to appear a little clearer in the distance, the issue of the nature of long-term returns has been front of mind.
There is a strong literature and body of academic work around long-term equity return expectations. Much of this has informed my thinking, and has over time found its way into the corners of financial independence movement through the avenues of the so-called Trinity and Bengen '4 per cent' studies (pdf), and a range of calculators that use historical data to help guide investors expectations around feasible future returns.
Yet, as I have noted before, future states of the world are not drawn from the same distribution as the past - or as the British writer G K Chesterton evocatively put it - 'wildness lies in wait'. Most often this issue is glided over neatly (including by myself) with assured sounding phrases such as 'based on history'.
The works of Nassim Taleb, most particularly Fooled by Randomness, and The Black Swan, provide a fuller perspective on these issues. Recently though, reading a 2017 paper Stock Market Charts You Never Saw provided a unique and arresting view of their application to long-term return projections.
The paper is long and detailed, but makes some fundamental points for consideration. It provides a challenging perspective on investment returns that falls almost completely out of mainstream discussions of the topic in the financial independence arena.
To summarise, the paper highlights that:
As the paper notes:
"When investment advisors counsel that stocks are the best bet for a long investment horizon, they should append the acknowledgement: “if my market timing is good.” When advisors argue for stocks over bonds, they should append the caveat “as long as you are not French, or Italian, or Japanese, or Swiss, and provided that the 20th century is a better guide to the future than the 19th century.” For real investors with their limited time horizons, who may reside anywhere in the world, there have been times when both stock recommendations were bad."
The issue of the primacy of total returns, compared to income returns is also bracingly challenged with reference to the drawdown phase:
Once portfolio accumulation ceases with retirement, portfolio income must be spent to live. Under those circumstances real price return, over short periods lasting two or three decades, becomes an important metric. By that measure, an investment in stocks has been dicey indeed.
Usefully, the paper sets out (at the end) both conventional charts, and alternative representations of the same returns data, aimed at illustrating the hidden biases and properties of standard charts of market returns.
In short, the paper poses challenges to many conventional investment tenets assumed to be true and widely repeated within financial independence discussions. Often these tenets are promoted with the sound and well-meaning goal of reducing new or existing investors caution or level of worry around possible falls in equity markets. The question this work implicitly poses is, in the process, are distorted expectations unintentionally being promoted?
Drawing out the lessons - understanding and responding to risks
What are the practical implications of this? The most obvious is to look closely at how data is presented and to think carefully about how the assumptions implicit in that presentation line up against ones own situation.
Some other implications include:
In other words - to paraphrase Shakespeare's Antonio - not trusting ones ventures to one ship, place, or a fortune upon the present year.
Progress
Progress against the objectives, and the additional measures I have reached is set out below.
Measure Portfolio All Assets Objective #1 – $1 598 000 (or $67 000 pa) 112.2% 153.0% Objective #2 – $1 980 000 (or $83 000 pa) 90.6% 123.5% Credit card purchases - $73 000 pa 103.0% 140.4% Total expenses - $89 000 pa 84.5% 115.1%
Summary
As the year begins to draw to a close, a restlessness to see its final outcomes, in dividends and portfolio growth presses itself forward. It is in fact a small echo of one of the strong temptations of the middle of the FI journey - a desire to wish away time itself.
Some potential upcoming changes and uncertainties in work situation have added force to this temptation, forcing some thoughts about different potential balances between work and other elements of daily life could be.
By distance, the intended journey is around ninety per cent over. At times this introduces both an elegiac quality to, and a premature desire to mark, possible 'lasts' along the journey.
Yet the extraordinary current state of financial markets gives pause. Policy makers and advisors casually discuss negative rates and their implications, even as Australian and US equity markets hit new highs. In a sense, it feels a more psychologically testing time to be closer to my higher target allocation for equities than any time before.
The diversification in the portfolio can be thought of as a series of small hedges against different potential futures playing out. By far, the largest probability (or potential future) at 75 per cent, is that the historical dominance of equity as a generator of real returns continues to function.
The remainder of the portfolio can be seen in some ways as a offsetting hedge against large equity market falls, or some other disturbance in financial markets with negative implications for equity. At base, however, I remain comfortable with the 'balance of probabilities' implied in the target asset allocation.
This month saw a new (v)blogger Mx Lauren join the Australian FI scene, as well as the suggestion by Money Magazine of a new 'simplified' retirement rule of thumb to consider.
A further piece of fascinating reading was this piece by Ben Carlson in Fortune Magazine, explaining the key role of earnings growth in recent US market return. It posits that the recent strong performance of US equities is attributable to fundamental earnings growth, rather than simply an unjustified expansion in the price investors are willing to pay for that growth.
This - in addition to Shakespeare's pre-modern enjoinment to diversify - is potentially another reason to not confine considerations to one market, and one place, as December distributions slowly drift into sight.
The post, links and full charts can be seen here.
submitted by thefiexpl to fiaustralia [link] [comments]

With 244 million active accounts in 2018, PayPal is one of the most popular payment processing tools out there. PayPal has lots of limitations that slow down the process of running the business and high fees. Here's a list of PayPal Alternatives for Startups

PayPal is a well-known solution for companies looking to accept payments worldwide, manage their finances, and send invoices. With 244 million active accounts in 2018, PayPal is one of the most popular payment processing tools out there.
More and more companies are looking for PayPal alternatives these days since this company has lots of limitations that slow down the process of running the business.
When it comes to choosing the proper payment solution, you need to pay attention to the fees, data security, and customer service.
For those of you who are looking for Paypal replacements or want to know other flexible solutions, in this list, we have put together 32 great Paypal alternatives that work for startups.
Source

Payoneer

Payoneer is the first option that crosses my mind when it comes to Paypal alternatives. Payoneer allows you to send money using a debit card, credit card, and ACH payments. It is fast, – the payments can be completed in just 2 hours.
Pricing: Processing fee starts at 3%

Skrill

Skrill has a clean, user-friendly interface. It offers you a prepaid debit card. The fees may be the same as Paypal, but it makes international payments easier since the payments can be sent to the debit card at once. After that, you can use your debit card to withdraw money using an ATM.
Pricing: Receiving money into your Skrill account is free. Send payment for only 1.45% fee. Withdraw funds with 7.50 % fee.

TransferWise

Transferwise is a much faster and cheaper solution for international transfers. You can send and receive money on their service without borders. It merely works: clients pay in their currency, and you get the payment right on your bank account within a few hours in the currency of your country. You need to share your phone number and last four digits of your credit card to receive money.
Pricing: You need to pay a difference in exchange rates and small Transferwise fee.

Selz

Selz is a tool that will help you to create your online store or sell goods on social media. It is not a payment system, but an online store builder with ‘drag and drop’ feature and more. Besides that, you can integrate your payment gateway with Selz without other external services. They offer automatic Tax Invoices for your customers.
Pricing: 2% transaction fee; 2.9% + 30¢ processing fee¹

Google Pay

Using Google Pay, your clients can make purchases using your website and app. You can enable shopping across devices to reduce missed conversions and forgotten passwords. This is one of the best options for store owners. It takes a second to get or receive a payment.
Pricing: Google Pay has no fees for using debit cards or making bank transfers, though you have to pay a 2.9% fee for credit cards.

2checkout

2checkout is another perfect Paypal alternative tool. It’s all about accepting payments globally. The commission in the USA is almost the same as Paypal, but when it comes to receiving payment from other countries, they offer better rates. It allows you to sell any product abroad.
Pricing: 2SUBSCRIBE pricing plan requires 4.5% + $0.45 per successful sale. 2SELL requires 3.5% + $0.35 per successful sale.

Stripe

Stripe is a global startup company with a 19% market share. Companies of any type and size use the service to accept payments and manage their business needs. Developers love this service for Stripe’s API that allows quickly add a payment method to a website.
Pricing: 2.9% + 30¢ per successful card charge

Wepay

Wepay features not only excellent customer support but also a virtual terminal that allows you to make purchases online without leaving the website. The company was established in 2008.
Pricing: 2.9 percent + $0.30 per credit card payment; 1 percent + $0.30 per bank transfer.

Quickbooks

Quickbooks or Intuit is a popular useful tool for small business owners who need help with their finances. It gives you an ability to accept payments both in-person and online. Besides, it can help you to pay taxes, manage salaries, and file payroll tax forms.
Pricing: 2.4 percent + $0.25 per swiped, tapped or dipped transaction; 3.4 percent + $0.25 per keyed transaction

ProPay

ProPay was built in 1997. It provides similar features as PayPal, along with the ability to send and receive payments worldwide. For those who are doing transactions in person, you can use ProPay JAK. It is a mobile phone credit card reader that process cards in real time.
Pricing: Pricing depends on the type of transaction and card you have.

Shopify Payments

For those of you who sell products and services with Shopify, you need to get a closer look at their in-built service called Shopify Payments. It gives you low processing fees, allows you to accept payments using different cards (Visa, Discover, Mastercard, and American Express), and have all your data at one place.
Pricing: Online credit card rates 2.9% + 30¢. In-person credit card rates 2.7% + 0¢.

Amazon Pay

Amazon Pay if the first tool for letting people checkout at your online store. It features an account with user login where all information is stored. It makes the process faster and smoother than with regular shopping cart.
Pricing: The fees start with 2.9 percent+ 30¢ per transaction

Dwolla

Dwolla is another tool similar to Paypal. Just like Paypal, it allows you to send and receive payments from individuals and companies. Their main specialization is ACH bank transfers, so that bank transfers are super secure. But the main disadvantage is that you can’t create an account with Dwolla outside of the US.
Pricing: The transaction fee is only $0.25.

Braintree

This tool will come in handy for e-commerce store owners because it offers web and mobile payments. You can store credit cards with Braintree just like Google Pay. Paypal runs this company, but it still provides more advanced list of features and better customer support.
Pricing: 2.9% + $.30 per transaction.

Square

This tool will help you to manage payrolls. With Square, your employees can clock in and out of work and set up direct deposits. Besides, Square grants small business loans that you can pay back with a percentage of daily sales.
Pricing: 2.9 percent fee + $0.30 per transaction

Payza

With Payza you can accept payments using a credit card and bank account. Moreover, the tool also works with cryptocurrency.
Pricing: 1.99 percent + $0.25 per transaction

Venmo

Venmo is famous for its feature to send cash to friends. When you create an account on Venmo, it offers you to make a list of friends. After that, it is way easier to send money to people from this list. The business can use it for the checkout process.
Pricing: It’s free to send or receive money from a linked bank account. Electronic withdrawal (standard or Instant) from $0 or 1%* (min. $0.25). $2.50 for out-of-network ATM withdraw.

Payline

Payline offers you straightforward, transparent, and flexible payment processing experience. It is a useful service for store owners – you can use it whether you’re in-store, mobile, or online.
Pricing: Swiping in person: 0.2% ($0.10 per transaction | $10 per month)

click2sell

Click2sell is a reliable Paypal alternative that offers almost all the same features. It accepts Paypal, Skrill, and credit card payments. The main difference is that they have potent reports and affiliate tracking.
Pricing: Depending on your plan, $1.50 + 7 percent per direct sale or $1 per transaction up to $19.99

Klarna

Klarna is a service that offers its customers ‘pay later’ feature. It means you can purchase goods online and pay with Klarna. Then, you have from 14 up to 30 days after delivery to pay them back interest-free.
Pricing: Free for up to one month

Merchant

Merchant claim to be a hassle-free payment processing company that gives you more control over your funds than Paypal. They allow a grace period that can help you to resolve disputes rather than freeze your account, just like Paypal usually does.
Pricing: Processing fees start at 1.99 percent + $0.25 per transaction

Wirecard

Another perfect payment solution for global companies. Wirecard works with over 100 transaction currencies and 200 payment networks that gives you almost complete freedom. With this tool, you can do in-store payments, mobile payments, value-added services, and much more.
Pricing: The pricing is available upon request

BlueSnap

BlueSnap allows you to add payment methods to your websites, stores, and apps. Your customers can make purchases with credit cards, bank accounts, or similar online payment systems.
Pricing: 3.90% + $0.30 or you can develop a personal pricing plan.

Worldpay

Whether you use terminal, online, or point-of-sale with Worldpay, it does not matter. They provide EMV chip card payments and also alternative payment options in the situations when your customer has no card.
Pricing: Pricing is available upon request

FastSpring

FastSpring is an e-commerce platform for software and Saas companies. With this service, you can easily enable payments online or in an app. You can make popup checkout for clients, personalized shopping experience and more.
Pricing: Pricing is available upon request

Viewpost

Viewpost is a full-featured payment and billing solution that will be suitable for both single freelancer and huge enterprise company. You can view payment history in your account and keep track of all transactions.
Pricing: $14.99/month plus transaction fees

Authorize

Authorize has over 43,000 merchants and handles more than one billion transactions per year. This is a big company that accepts credit card and electronic payments in person, or over the phone.
Pricing: No setup fee, free monthly gateway, 2.9% + 0.30 cents per transaction

Popmoney

Send, receive or request money online with Popmoney. The process is transparent and straightforward: cash moves from one bank account to another without any middle accounts.
Pricing: Flat $0.95 per transaction to use it here at Popmoney.com

Charge

Without setup or cancellation fees, Charge is a good credit card processing platform. It enables you to accept payments online and in stores.
Pricing: Merchant Account Application Fee and Web Shopping Cart are free.

Paylane

If you have SaaS or e-commerce businesses, you need to take a closer look at Paylane. This tool allows you to accept payments in various currencies and formats. Smashing Magazine and The Next Web use it.
Pricing: 2.8% + 0.25 EUR and 0 for Paypal

Coinbase

Coinbase is a cryptocurrency trading platform that allows the business to get Bitcoin transfers. If your client is familiar with cryptocurrency, they can easily send your payment to your Bitcoin wallet. Then, you can merely convert this amount into your local currency, or transfer to another payment service. But remember about exchange rates.
Pricing: Pricing varies depending on the cryptocurrency

Apple Pay

All iPhone users can get the advantage of using Apple Pay to transfer money. Previously, I used it only to pay products in stores without a card. When a person sends you cash, it stores automatically in your Apple Wallet. You can spend it using Apply Pay or transfer on your bank account within 1-3 business days.
Pricing: It charges the banks as a rebate for every transaction. No fee for merchants.
submitted by sdblro to Entrepreneur [link] [comments]

The Decade in Blockchain — 2010 to 2020 in Review

2010

February — The first ever cryptocurrency exchange, Bitcoin Market, is established. The first trade takes place a month later.
April — The first public bitcoin trade takes place: 1000BTC traded for $30 at an exchange rate of 0.03USD/1BTC
May — The first real-world bitcoin transaction is undertaken by Laszlo Hanyecz, who paid 10000BTC for two Papa John’s pizzas (Approximately $25 USD)
June — Bitcoin developer Gavin Andreson creates a faucet offering 5 free BTC to the public
July — First notable usage of the word “blockchain” appears on BitcoinTalk forum. Prior to this, it was referred to as ‘Proof-of-Work chain’
July — Bitcoin exchange named Magic The Gathering Online eXchange—also known as Mt. Gox—established
August —Bitcoin protocol bug leads to emergency hard fork
December — Satoshi Nakamoto ceases communication with the world

2011

January — One-quarter of the eventual total of 21M bitcoins have been generated
February — Bitcoin reaches parity for the first time with USD
April — Bitcoin reaches parity with EUR and GBP
June — WikiLeaks begins accepting Bitcoin donations
June — Mt. Gox hacked, resulting in suspension of trading and a precipitous price drop for Bitcoin
August — First Bitcoin Improvement Proposal: BIP Purpose and Guidelines
October — Litecoin released
December — Bitcoin featured as a major plot element in an episode of ‘The Good Wife’ as 9.45 million viewers watch.

2012

May — Bitcoin Magazine, founded by Mihai Alisie and Vitalik Buterin, publishes first issue
July — Government of Estonia begins incorporating blockchain into digital ID efforts
September — Bitcoin Foundation created
October — BitPay reports having over 1,000 merchants accepting bitcoin under its payment processing service
November — First Bitcoin halving to 25 BTC per block

2013

February — Reddit begins accepting bitcoins for Gold memberships
March — Cyprus government bailout levies bank accounts with over $100k. Flight to Bitcoin results in major price spike.
May —Total Bitcoin value surpasses 1 billion USD with 11M Bitcoin in circulation
May — The first cryptocurrency market rally and crash takes place. Prices rise from $13 to $220, and then drop to $70
June — First major cryptocurrency theft. 25,000 BTC is stolen from Bitcoin forum founder
July — Mastercoin becomes the first project to conduct an ICO
August — U.S. Federal Court issues opinion that Bitcoin is a currency or form of money
October — The FBI shuts down dark web marketplace Silk Road, confiscating approximately 26,000 bitcoins
November — Vitalik Buterin releases the Ethereum White Paper: “A Next-Generation Smart Contract and Decentralized Application Platform
December — The first commit to the Ethereum codebase takes place

2014

January — Vitalik Buterin announces Ethereum at the North American Bitcoin Conference in Miami
February — HMRC in the UK classifies Bitcoin as private money
March — Newsweek claims Dorian Nakamoto is Bitcoin creator. He is not
April — Gavin Wood releases the Ethereum Yellow Paper: “Ethereum: A Secure Decentralised Generalised Transaction Ledger
June — Ethereum Foundation established in Zug, Switzerland
June — US Marshals Service auctions off 30,000 Bitcoin confiscated from Silk Road. All are purchased by venture capitalist Tim Draper
July — Ethereum token launch raises 31,591 BTC ($18,439,086) over 42 days
September — TeraExchange launches first U.S. Commodity Futures Trading Commission approved Bitcoin over-the-counter swap
October — ConsenSys is founded by Joe Lubin
December — By year’s end, Paypal, Zynga, u/, Expedia, Newegg, Dell, Dish Network, and Microsoft are all accepting Bitcoin for payments

2015

January — Coinbase opens up the first U.S-based cryptocurrency exchange
February — Stripe initiates bitcoin payment integration for merchants
April — NASDAQ initiates blockchain trial
June — NYDFS releases final version of its BitLicense virtual currency regulations
July — Ethereum’s first live mainnet release—Frontier—launched.
August — Augur, the first token launch on the Ethereum network takes place
September — R3 consortium formed with nine financial institutions, increases to over 40 members within six months
October — Gemini exchange launches, founded by Tyler and Cameron Winklevoss
November — Announcement of first zero knowledge proof, ZK-Snarks
December — Linux Foundation establishes Hyperledger project

2016

January — Zcash announced
February — HyperLedger project announced by Linux Foundation with thirty founding members
March — Second Ethereum mainnet release, Homestead, is rolled out.
April — The DAO (decentralized autonomous organization) launches a 28-day crowdsale. After one month, it raises an Ether value of more than US$150M
May — Chinese Financial Blockchain Shenzhen Consortium launches with 31 members
June — The DAO is attacked with 3.6M of the 11.5M Ether in The DAO redirected to the attacker’s Ethereum account
July — The DAO attack results in a hard fork of the Ethereum Blockchain to recover funds. A minority group rejecting the hard fork continues to use the original blockchain renamed Ethereum Classic
July — Second Bitcoin halving to 12.5BTC per block mined
November — CME Launches Bitcoin Price Index

2017

January — Bitcoin price breaks US$1,000 for the first time in three years
February — Enterprise Ethereum Alliance formed with 30 founding members, over 150 members six months later
March — Multiple applications for Bitcoin ETFs rejected by the SEC
April — Bitcoin is officially recognized as currency by Japan
June — EOS begins its year-long ICO, eventually raising $4 billion
July — Parity hack exposes weaknesses in multisig wallets
August — Bitcoin Cash forks from the Bitcoin Network
October — Ethereum releases Byzantium soft fork network upgrade, part one of Metropolis
September — China bans ICOs
October — Bitcoin price surpasses $5,000 USD for the first time
November — Bitcoin price surpasses $10,000 USD for the first time
December — Ethereum Dapp Cryptokitties goes viral, pushing the Ethereum network to its limits

2018


January — Ethereum price peaks near $1400 USD
March — Google bans all ads pertaining to cryptocurrency
March — Twitter bans all ads pertaining to cryptocurrency
April — 2018 outpaces 2017 with $6.3 billion raised in token launches in the first four months of the year
April — EU government commits $300 million to developing blockchain projects
June — The U.S. Securities and Exchange Commission states that Ether is not a security.
July — Over 100,000 ERC20 tokens created
August — New York Stock Exchange owner announces Bakkt, a federally regulated digital asset exchange
October — Bitcoin’s 10th birthday
November — VC investment in blockchain tech surpasses $1 billion
December — 90% of banks in the US and Europe report exploration of blockchain tech

2019

January — Coinstar machines begin selling cryptocurrency at grocery stores across the US
February — Ethereum’s Constantinople hard fork is released, part two of Metropolis
April — Bitcoin surpasses 400 million total transactions
June — Facebook announces Libra
July — United States senate holds hearings titled ‘Examining Regulatory Frameworks for Digital Currencies and Blockchain”
August — Ethereum developer dominance reaches 4x that of any other blockchain
October — Over 80 million distinct Ethereum addresses have been created
September — Santander bank settles both sides of a $20 million bond on Ethereum
November — Over 3000 Dapps created. Of them, 2700 are built on Ethereum
submitted by blockstasy to CryptoTechnology [link] [comments]

Bitcoin: Beyond The Bubble - Full Documentary - YouTube Celebrating the Third Bitcoin Halving: Group Discussion: Surviving the Surveillance State BitcoinTina on Bitcoin Part 1 3 Types of People Who Won't Buy Bitcoin Celebrating the Third Bitcoin Halving: Bitcoin Predictions with Samson Mow

In the afternoon of July 15, a colleague alerted a Bitcoin Magazine Slack channel that the Twitter accounts for major cryptocurrency exchange Binance and its founder Changpeng Zhao (CZ) had apparently been hacked. Soon after, another colleague said that the account for cryptocurrency exchange Gemini was also hacked. “Bitcoin has a strong support at $11,000, followed by $10,500 and then $10,000,” said Joe DiPasquale, CEO of cryptocurrency hedge fund manager BitBull Capital. “If $10k is broken we may see ... Bitcoin Magazine's Block Explorer is a web tool that provides detailed information about Bitcoin blocks, addresses, and transactions. Home. Bitcoin Block Explorer. Blocks Transactions. Height. ... 45:41 PM UTC. 1843. 1311.932. ... Powered by Bitcoin Magazine and esplora ... Bitcoin Magazine provides news, analysis, information, commentary and price data about Bitcoin through our website, podcasts, research, and events. Digital money that’s instant, private, and free from bank fees. Download our official wallet app and start using Bitcoin today. Read news, start mining, and buy BTC or BCH.

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Bitcoin: Beyond The Bubble - Full Documentary - YouTube

Bitcoin Magazine is incredibly excited to present the first of a four part series discussing Bitcoin and how it is interacting with the world from the perspective of BitcoinTina. Part 1 focuses on ... Deep Dive on Ronin Dojo and Samourai Wallet - Duration: 1:42:45. Bitcoin Magazine 170 views. New; 1:42:45. Bitcoin Magazine presents Hashing It Out for Bitcoin Independence Day - Duration: 6:47:40. Bitcoin Magazine presents non-stop coverage of Bitcoin’s third Halving with hours of commentary and analysis from Bitcoin 2020 speakers and some of our closest friends. Ring in the new cycle the ... Bitcoin Magazine 2,905 views. 59:39. AMA with Jack Mallers of Strike and Zap! - Duration: 1:05:12. Bitcoin Magazine 662 views. 1:05:12. Celebrating the Third Bitcoin Halving: Lightning in the 4th ... 📰Just in case you didn’t get your fix of #BitcoinNews & #CryptoNews, try Bitcoin Magazine. With #CryptocurrencyNews, ... 45. Steve Jobs introduces iPhone in 2007 - Duration: 10:20.

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