I recently wrote this up for my friends who asked me how I do what I do. I figured I'd share it here. This is freely available to anyone who wants it, though please credit me if you simply copy/paste. Nothing here is novel, and can be done by anyone. I am not a financial professional, and the example given below is only Abbvie because I forgot that Abbott Labs was alphabetically the first in the S&P 500 when picking an example.

First, let’s come right out and say that if you do not have the time to do this, or do not find it enjoyable, just buy low-cost index funds that track either the total market or the S&P 500.
Second, let’s make an important distinction:
Investing – This is the act of purchasing assets for less than their intrinsic value. This PDF will focus on how to determine the intrinsic value of an asset that produces income. Note that for most assets, this is simply how much money you can extract from the asset over the period of time that you hold it for. There’s no other value than money in investing. Causes and emotions are what philanthropy is for.
Speculating – This is, at its core, the act of taking supply of an asset from the present to the future (by hoarding it). If there is more demand, lower supply, or both, this pays the speculator to take the asset from a period of low value to one of high value. It is not gambling, but is very difficult to do, since it entails taking on timing risk. It is not illegal, immoral, or impossible, but I have no special insight into it. I’ll leave it there.
Gambling – This looks a lot like speculation, but without any particular reason to believe the asset will be more valuable in the future. Speculators at least estimate the value of an asset to investors, as they are ultimately the end market for an asset. Do not gamble. Full stop.
Determining the intrinsic value of an asset
The value of an asset is simply the present value of all future income that asset can provide you. Since a dollar in five years is naturally less valuable than a dollar today, you have to discount future income against the opportunity cost of forgoing the dollars you invest today. When we get to the Present Value equation, this is represented by interest. It can also be thought of as the opportunity cost of investing in the asset instead of some other asset or simply consuming the dollars instead.
Here’s the actual math. Note that it’s not super hard, and while I will explain it, there are dozens of free websites that will quickly let you calculate this. The key phrase to Google would be “present value of a growing annuity calculator.”
PV = (C / i - G) * {1 – [(1 + G)/(1 + i)]^n}
PV = present value
C = cash flow per period
n = number of payments
i = interest rate
G = growth rate
The value for PV is your estimation of what the asset is worth today. If this ends up far higher than the market price, you are probably purchasing dollars for quarters. Avoid edge cases, as you are guessing about both the interest and growth rate.
C is the cash flow per period. If you have a high degree of confidence in the culture of the company and it has a long history of being good stewards of retained earnings, you can use the earnings per share (EPS). I usually use the dividend. It is impossible to fake or financially engineer a dividend, and requires less looking through financial documents to make sure it’s what it appears to be. But for, say, Apple or Microsoft or Chevron, feel free to use the EPS.
The number of payments is how many payments you expect while holding the asset. Dividends in American companies are typically quarterly (though some pay monthly or every six months, so check on that), so every multiple of four would represent one year if you choose to do it that way. If n = 16, then you’re expecting to hold the asset for 4 years. You can also put in a year’s worth of dividends and keep n = years rather than quarters.
I typically do n = 30, since 30 years is both a long time horizon that is realistic, and coincides when I will hit “retirement age.” You will have to decide how far ahead you’re planning. For most people, they are net purchasers of investments while working and net sellers while retired, so keep that in mind. Note that using years instead of quarters will lessen the amount of compounding, and will provide some cushion in case you’re wrong.
Interest is one of the two variables you have to guess at. Typically, one would put what you expect the actual long-run interest rate to average for this investment. Unfortunately, this is really difficult. Instead, I use a rate that represents my opportunity cost. There are any number of relatively safe ways to get a 5% yield on money invested, so I generally use i = 5% to represent that this asset has to perform better than a utility or telecom or real estate investment trust. Feel free to use what you feel is most appropriate for you. A higher interest rate will lower the value of the asset, so high-balling this number will provide some cushion in case you’re wrong.
The second variable you have to guess at is the growth rate. If you’re looking at the dividend, you want to know how fast to expect it to grow over time. If you’re using the EPS for C, then you want to see how quickly the total earnings are growing per share. This is extremely difficult to predict. I recommend taking the 5-year growth rate and halving it. Dividends will also be more predictable here, as most companies pay out far less than they make, which means even if EPS grows slowly, the dividend can still grow quickly for many years after a boom is over for the company. Note that lowering your estimate for G will lower the value of the asset, so low-balling this number will provide some cushion in case you’re wrong.
OK, so let’s walk through an example. I’ll use Abbvie, a biotech/pharmaceutical company. It has a quarterly dividend for the coming year of $1.30/share. Its dividend has an 18.5% growth rate over the last 5 years, and has grown it for the last 7 (it’s only been around for 8 years).
I assumed a growth rate (G) of 7%. I used $5.20 as the starting dividend this coming year and used years for my n = 30. As always, I used i = 5%.
This gave me an estimated present value of 1 share of Abbvie at $197.94. As of writing this, Abbvie shares are trading on the market at $103.43. This looks like a screaming buy, but first let’s look at why I have a high degree of confidence.
Note how the interest was higher than the going rate – I used my “low-risk alternative” as an opportunity cost. Abbvie has an extremely high rate of growth for its dividend, so I took less than half of its current rate. I also calculated annually rather than quarterly, which reduces the impact of high rates of growth. That’s three places in the equation where I consciously lowered the estimated value of a share of Abbvie, and it still came out as a strong buy – spending less about 50c for a dollar!
I do this because even if I’m wrong in some or all of my predictions, I now have quite a bit of room to be wrong and still make money. It’s like how you don’t walk next to a steep cliff, right? You should know how to walk where you want to, but there’s always the small chance something could cause you to slip or put a foot wrong. But if your plan is always to be 5 feet away from the edge of the cliff, the odds are that you’ll not go over the edge even if you fall down.
Many people feel this is over cautious. But let my portfolio speak for itself. I’ve beaten the S&P 500 index fund every year except one since 2008. My brokerage only keeps digital records back to Dec 2015, but the S&P 500 returned 101% since then – with dividends reinvested. My own portfolio has returned 256%.
So caution is still very high reward. In fact, if you just don’t lose, you’ll do better than the vast majority of professional money managers (about 85% of whom cannot even match the index funds).
Due diligence still has to occur
Now, we can’t just go straight out and buy Abbvie – though it’s a high profile company that receives lots of investor and regulator scrutiny so it’s less likely to have a landmine than most. Just to make sure, you’ll want to do the following before buying shares in this company:
-Check the debt load. If the debt is very high, has very high interest rates, or has a lot of it maturing very soon, then this is a yellow flag. It doesn’t mean don’t buy, but make sure you understand the structure of the company’s debt and make sure it won’t impair the company’s earnings going forward. This information is found on the balance sheet. Abbvie has $97.287 billion in long-term liabilities such as debt, pension liability, and deferred taxes. That’s a lot compared to their assets, but they also are owed some money, so it nets out about $90 billion.
-What’s the book value? Book value is fairly low at $8.65/share. This is pretty much the assets minus the liabilities. Abbvie is in a knowledge industry, however, so you shouldn’t expect their main assets to be physical capital that can be sold. It’s mostly organizational or human capital from their workforce, so this isn’t worrying. If Abbvie was, say, a retailer with stores and land and inventory, you’d want this to be much, much higher for the share price. There’s no easy way to judge this one, unfortunately, but it’s good to look it up and you’ll eventually get a feel for it. No red flags here.
-What are the catastrophic risks that even you or I could think of? For a company in the pharmaceutical space, the obvious answer is regulatory and political risk. Regulatory risk is just want it sounds like – more regulation which can be either costly to comply with or lower profits. This does have an upside, which is that it makes it harder for new competitors to enter a market, so I tend to be rather sanguine about regulatory risk. Political risk is much more severe. This is when politicians decide to either confiscate a company, target it specifically rather than the industry it’s in, or other ways in which the government is involved with taking rather than regulating. In Anglo countries (US/UK/Canada/Australia), the rule of law is typically strong enough that this doesn’t happen much, as there is usually some kind of due process. Places like China, Argentina, Russia, and the EU are much more likely to nationalize or otherwise capriciously penalize a company due to the prevailing political winds. Abbvie has a global footprint, but that also means it’s diversified against such risk. It’s headquartered in the US, so it’s unlikely someone will simply take the entire company.
-Payout ratio? Abbvie has a fairly high payout ratio (80% for the last completed fiscal year of 2019), as they have been aggressively growing the dividend. That’s another good reason to input a much lower G than the last few years. That being said, Abbvie has been around for 8 years (it was spun off of Abbott Labs) and has grown its dividend for the last 7 years and has announced it will this coming year as well. The payout ratio is pretty high, but not worrisome. It suggests a fairly mature company that’s now returning cash to shareholders. I’d say this is not nothing, but less than a yellow flag for me. Any company with 95%+ payout ratio is much more vulnerable to a dividend cut.
-Credit rating? S&P gives Abbvie a BBB+ grade for its unsecured debt. This is a slight downgrade because their balance sheet is currently digesting a big acquisition from early 2020 (Allergan). Moody’s gives it a Baa2 rating for unsecured debt. These are both good, solid, investment-grade credit ratings (if you were buying the bonds of Abbvie). This looks great.
-Does it need a genius? Some companies run on all cylinders because they have a genius at the helm – often a founder. But what you want is a company any dummy can run, because sooner or later any dummy will. Don’t plan to invest long-term in companies that require skilled management. Abbvie is fairly diversified and has an OK pipeline of research. They also can buy little biotech companies that invent something but can’t navigate the regulations to bring it to market. So pondering giants are actually a good thing. Means they’re hard to break.
So, given that there was nothing obviously treacherous in our basic due diligence, and the extreme discount at which our example is selling for, this would be one you might want to buy! This is what I do for all the companies I invest in.
Notice that there is no story, no excitement, no narrative, no counting on good or bad management. Emotion has no place in investing. You also will notice that we took every opportunity to reduce the risk of losing your capital by always sandbagging the estimated value of the company. You never want to pick up nickels in front of a steamroller. You want the investment to be so obvious it hits you in the face like a baseball bat. If you’re ever on the fence, don’t do it. You don’t have to hit home runs – just don’t strike out.
You can be even more conservative in your estimates than I am. If, for instance, you used 5% growth rate for Abbvie’s dividend, you’d still get a present value of $148.57/share vs the current market price of $103.43. Similarly, you could use a higher interest rate, which would also lower the estimated present value.
You may have to do this calculation with more companies to find one to buy, but even in a very expensive market like today’s, there is always an opportunity. You don’t even have to look at little companies. There’s around 500 companies in the S&P – just start with “A” and work your way through all of them.
A quick note about further reading: I very strongly urge most people to actually read as little as possible on this subject once they get the basics. That’s not because there’s not more to learn, but because I would sadly say the majority of what I see and hear is actively bad advice. But if you do want to keep up with financial news and books and chat boards, the best thing to do is find out what the historical returns of the person giving advice are.
Since WWII, the long-run return on the S&P 500 has generally been just a bit shy of 10% per year. If someone can’t beat that, year-in-and-year-out, then their advice is worthless. As in, you don’t want to accidentally absorb it. This is, unfortunately, true for most professionals. Over the last 15 years, 92.2% of actively managed funds have underperformed a simple S&P 500 index fund (and they charge you fees for the privilege). Beware anyone selling something. The advice here is given freely
That’s why I made a point of mentioning that I have and regularly outperform the standard fund almost every year. Granted, I don’t have many of the regulatory restrictions a public fund would have, but it shows how useful the advice I’m giving here is. You don’t need anything fancy. You don’t need anything high risk. I’ve done this through two deep recessions and the longest bull market in history.
If you want to learn more about investing in general and where I learned how to do this, you can read Benjamin Graham’s The Intelligent Investor. It was written in the 1930s, so much of the technical information is out of date. Skip over that and just read it for the concepts.
Even easier reading is to go online to Berkshire Hathaway’s website and pull Warren Buffett and Charlie Munger’s annual letter to shareholders. Almost all of them have something useful in them and don’t make you do equations.
I am available for questions in the comments

Islam appears as if it ways made up by Primitive, medieval Arabs who didn't know anything about the world outside from their local area nor had interactions with a divine being.

ISLAM- The belief that an All-Knowing, All-Powerful God decided to reveal his doctrine for mankind, to a 7th century illiterate Arab slave trader(slave and sex slave owner who had regular sex with his 9 year old wife) ,in a cave where no one else was there to verify, through Angel Gabriel over 23 years rather than just beaming it into his brain.

Islam is an extremely Arab-centric religion, it seems as if it was completely made up by an Arabic person/people. The more a religion is tied to the culture of whatever society created it, the less likely it is to be legitimate. An omnipresent All-Knowing God wouldn’t care where on earth the primates he gave sentience to come from. This is what I will be discussing.

THE KAABAThe holy site for pilgrimage is very conveniently located in their backyard (Saudi Arabia.) This would be like a religion of Japanese origin claiming the holy site for pilgrimage is in Tokyo. Muslims have to pray towards the Kaaba which is located in Mecca, Saudi Arabia. Pre-Islamic Arabia was extremely underdeveloped and primitive. Literature wasn’t important and credible texts were rare so sometimes historians have to go with the biased Islamic perspective. According to the Abrahamic religions(Islam included), Abraham lived at around 2100-2200BC which is thousands of years before Islam was born in the 7th century. Islamic sources claim Abraham built the Kaaba for Islamic practises and it was his most important accomplishment. However the Bible never mentions the Kaaba and some Muslims claim Allah is the same God of the bible. Strangely the Kaaba was never mentioned in Judaism and Christianity. Only Islamic sources claim Christians and Jews also respected the Kaaba religiously. It was difficult to unify the many sects of Judaism and Christians on many things but not one sect of either religion mentioned the Kaaba. This suggests this idea was entirely fabricated. Islamic sources claim that the Kaaba in Mecca was a well known, important trade centre. Most Historians agree this is false as there was no mention of the Kaaba by the powerful Roman Empire, and the neighbouring Persian Empire and neighbouring Northern African Rulers until the birth of Islam . All historical evidence indicates the Quran was built by Arab Pagans a few centuries before Muhammad, not Abraham, yet again another false Islamic claim made by early Muslim Arabs or Muhammad.The Zamzam Well is a well located in Mecca, Saudi East of the Kaaba the holiest place in Islam. According to Islam, it is a miraculously generated source of water from God, which sprang spontaneously thousands of years ago when Ibrahim (Abraham's) son Ismael (Ishmael) was left with his mother Hajar (Hagar) in the desert, thirsty and crying. Ibrahim made a request to Allah- 14:37: "{O our Lord! I have made some of my offspring to dwell in an uncultivable valley by Your Sacred House (the Ka'bah at Makkah) in order, O our Lord, that they may perform Salah (prayer). So fill some hearts among men with love towards them, and (O Allah) provide them with fruits so that they may give thanks.}" Muslims believe Zamzam was the first among many fruits provided to Ibrahim by Allah. provided to Ismail and Hajar were in the desert. Very conveniently the Holy Water in Islam is located in Mecca, Saudi Arabia. The water is so holy it is taught to heal diseases and sickness; there is no scientific evidence to support this. This appears to be a knock-off version of a biblical story (one of the many in Islam) where Abraham’s concubine and his son Ishmael were left in the desert of Paran in Palestine. The Hadith Sahih Muslim 31:6046 says that ZamZam water is special, can quench hunger,feed you and make you gain weight;there is of course no scientific evidence to support these claims. Islam makes it appear as if it is a miracle that there is water well in the desert which is expected coming from primitive Arab desert dwellers with little scientific knowledge. Water is underground in most deserts because as rainwater falls, it is absorbed underground and flows through the underground including under a desert.

IMPORTANCE OF ARABIC
Allah stated His holy book must be written, memorised and taught in Arabic(conveniently Muhammad's language) to Prophet Muhammad even though there are thousands of other languages in the world. Vulgar Latin or Middle Chinese were the most spoken language in the world in the 7th century when the Quran was revealed,English and Mandarin are the most spoken languages in the 21st century. Only 5% of the world's population today speak Arabic (Arabic is the 5th most spoken language in the world) so it is illogical, confusing and absurd why God wanted "the most important words for mankind" to be specifically delivered in Arabic. If Allah had revealed his doctrine to all cultures and corners of the world, there would be an independently verifiable method to confirm that every language in the world received the same message from the same God. This would be very powerful evidence in favour of Islam. It is a shame he decided against this:
Quranic Verses on Importance of Arabic:
41:3- "A Scripture whereof the verses are in detail, a Lecture in Arabic for people who have knowledge"
7:1: "Alif, Lam, Mim, Sad (These are the names of letters of the Arabic alphabet and in this sequence only Allah knows their meaning here;this is one of Allah's many miracles)."
12:2: "We have sent it down as an Arabic Quran so you people may understand/use reason"
14:44: "We have not sent any Messenger except with the language of his people (Arabic) so he can make things clear to them. Allah misguides anyone He wills and guides anyone He wills. He is the Almighty, the All-Wise."
42:7: "So We have revealed an Arabic Quran to you, in order that you may warn the mother of cities(Mecca) and all who live nearby..."
44:58: "We have made the Quran easy in your language (Arabic) so that they might be reminded."
26:198 - "And if We had revealed it (this Qur'an) unto any of the non-Arabs" - 26:199. "And had Muhammad recited the Quran unto them, they would not have believed in it "
41:44: "If We had made it a foreign Quran, they would have said, ‘If only its verses were clear! What? Foreign speech to an Arab?’ Say, ‘It is guidance and healing for those who have faith, but the ears of the disbelievers are heavy, they are blind to it, it is as if they are being called from a distant place." - Could Allah's book not also be unclear to Non-Arabic speakers which was the vast majority of the world in the 7th century and the 21st century?
Why the Almighty God would have a preference for one language over the thousands of others is unclear. Muslims believe Arabic has a special status in Islam. It is compulsory to learn Arabic to be a Muslim and perform activities like the 5 daily prayers, recite the Shahadah and read the Quran. Millions of Muslims around the world memorise the Quran and verses for prayer which are entirely in Arabic whilst not knowing the meaning of what they are saying when they pray everyday and read the Quran. It is estimated up to 10 million Muslims around the world (the majority not Arabic speaking in countries like Nigeria, Indonesia and Pakistan) have memorised the whole Quran. Most of them barely understand a word of what they have memorised It seems likely an All-Wise, All-Powerful God would be able to come up with a better way for people to show devotion to Him than reciting words in a foreign language they don’t know. God’s chosen messenger was an Arabic Person. Islam is filled with Key Arabic terms like Hajj, Shahadah, Taqwa, Taraweeh, Ramadan, Zakat and encourages Arabic customs like keeping a beard, eating dates and women covering their hair.
SPLITTING OF THE MOON
54:1 The Quran states: "The Hour draws near; the moon is split in two". And if they see a miracle they turn away and say 54:2 "Passing Magic," Sahih Bukhari 4:56:81 Narrated Anas states : \"*That the Meccan people requested Allah's Apostle to show them a miracle, and so he showed them the splitting of the moon."*The Quran and Hadith claim that the people of Mecca,Saudi Arabia asked Muhammad to prove that he had divine powers so he miraculously split the moon into two pieces and then, presumably, put it back together again. There is absolutely no scientific evidence whatsoever that the moon has ever been split into two. Since the moon is visible to half the planet at any given time, we should expect to see numerous accounts from different parts of the world attesting to this event if it actually happened. The Romans, Greeks, Egyptians, Persians, Chinese and Indians had avid astronomers who should have seen this event and recorded it in their histories. The absence of historical record from other civilisations, contemporary to Muhammad, is a strong indication that this event never happened. Yet again another Islamic lie. The Quran states in 4:82 "Do they not then consider the Qur'an carefully? Had it been from other than Allah, they would surely have found some contradictions." The Quran appears to tell us it certainly didn't come from God as we have clearly found a contradiction in the book between what it says and what actually happens/happened in reality as the moon never split. The Quran also says in 2:256 "Whoever believes in Allah, then he has grasped the most trustworthy handhold(The Quran) that will never break. And Allah is All-Hearer, All-Knower." Clearly the Quran is broken and is not trustworthy as it has lied to us and tried to deceive us about Science. The lie of the splitting of the moon disproves many of Allah's 99 names such as AL-HAQQ(The Absolute-Truth,) AR-RASHEED(The Infallible Teacher,) AL-ALEEM (The All-Knowing,) AR-RAQEEB(The Watchful One,) AL-HAKEEM(The All-Wise,) ASH-SHAHEED(The All Observing Witnessing, AL-MAJEED(The Glorious-Most Honourable,) AL-HAMEED(The Praiseworthy,)DHUL-JALAALI WAL-IKRAAM(Possessor of Glory and Honour, Lord of Majesty and Generosity.)

DESCRIPTIONS OF HEAVEN/PARADISE
The invention of an afterlife by religions such as Islam is to serve our primitive desires to stay alive and is a result of the fear of One's mortality. The invention of an afterlife is also means to satisfy our primal desires to feel pleasure and Islam provides this as it sates in 41:31- "You will have therein(Paradise) whatever yourselves desire, whatever you want." The sole purpose of a Muslim's life is to enter Paradise and according to 29:64- " This life is nothing but diversion and play (to distract you from the ultimate goal of paradise)" The way heaven is described in a religion is usually reflective of the culture the religion originated from; this is expected as religions are fabricated by humans not sourced from divine beings.

The Islamic Paradise (Jannah) is described in the Quran and in Hadith as a place with lots of magnificent gardens, nice greenery and weirdly obsesses on how there are many rivers and sources of water in Paradise. Here are some verses on the Islamic Paradise:
36:34 - “And We have made (In Paradise) therein gardens of date-palms and grapes and We have caused springs of water to gush forth therein.”3:193 - “But as to those who are careful of (their duty to) their Lord, they shall have gardens beneath which rivers flow....”16:31 - “The gardens of perpetuity, they shall enter them, rivers flowing beneath them; they shall have in them what they please...”47:15 - "The description of Paradise which the righteous have been promised is that in it are rivers of water the taste and smell of which are not changed..."5:119- "...There are gardens, with rivers flowing beneath – their eternal Home. Allah is well-pleased with them, and they with Allah. That is the great salvation."9:72- "Allah hath promised to Believers, men and women, gardens under which rivers flow, to dwell therein, and beautiful mansions in gardens of everlasting bliss."61:12 - “These it is (Paradise) for whom are gardens of perpetuity beneath which rivers flow,”54:54 - "Verily, The Righteous, will be in the midst of Gardens and Rivers in Paradise."18: 33. "Each of those two gardens brought forth its produce, and failed not in the least therein, and We caused a river to gush forth in the midst of them."
The fascination with gardens and water appears to be a reasonable depiction of heaven coming from primitive desert dwellers who didn’t have much access to greenery and vast areas of water. Most people don't think of water when they think of a heaven except of course primitive Arabs who lived in the sweltering heat of the desert.
Islam is famous for having an extensive list of things which are forbidden under the religion (Haram) . There are customs like drinking alcohol, gambling, wearing gold and women being able to dress freely, and beautifying one's appearance which was and is part of most cultures including Pre-Islamic Arabia that were subsequently banned under Islam. I believe the reason religions like Islam ban trivial, inconsequential thing like beautifying one’s appearance is because if you can force people to give up something so intrinsic to their society and to being human, it is much easier exercise control. Abu Huraira reported Allah's Messenger (ﷺ) as saying: The world is a prison-house for a believer and Paradise for a non-believer. Sahih Muslim 2956. The purpose of tedious rules is to make its adherents cement themselves more concretely to the religion. Muslims are being controlled massively by the the commands of a fictional being(Allah) and unfortunately do not seem to understand that. There is no other reason. The rules do not benefit you but the business. Every time you follow these rules with no evidence they came from a divine being, you are paying another subscription fee until you decide you are being used and drained to the religions benefit, not yours. Muslims are obligated to follow the Quran and it's rules as it is supposedly the word of God- 4:59- "O you who believe! Obey Allah and obey the Messenger (Muhammad ), and those of you (Muslims) who are in authority and if there is deviation amongst yourselves, refer back to Allah, His Messenger (and Quran ), if you believe in Allah and in the Last Day. That is better and more suitable for final determination."
FASCINATION WITH WINE IN PARADISE
The fascination with wine in the Islamic heaven indicates that the Arabic authoauthors were into alcohol all along. Allah is clearly a confused man who doesn't even understand and abide by his own words as he says in 5:90 that alcohol consumption is the work of Satan but then promises alcohol in heaven for righteous Muslims. 5:90- "O you who believe! Intoxicants (all kinds of alcoholic drinks), gambling, Al-Ansab, and Al-Azlam (arrows for seeking luck or decision) are an abomination of Shaitan's (Satan) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful." It seems weird to condone something in Heaven that you said is bad to do on Earth.Here are Quranic verses on Alcohol in Paradise:76:5 - "Indeed, the righteous will drink from a cup [of wine] whose mixture is of Kafur."76:17 - “And they will be given to drink a cup [of wine] whose mixture is of ginger. “47:15 - “The description of Paradise is that in it are rivers of water the taste and smell of which are not changed; rivers of milk of which the taste never changes; rivers of wine delicious to those who drink; and rivers of clarified honey (clear and pure)....”
FASCINATION WITH WOMEN AND SEX IN PARADISE
The Quran forbids men and women especially women from beautifying themselves, tells men to lower their gaze, tells men and women to be modest in dress and behaviour, and discourages the provocative sexual display of their bodies and and discourages hyper-sexuality however extensively discusses sex and the beauty of the women in heaven. Yet again, it seems weird to condone something in Heaven that you said is bad to do on Earth.
24:31 - “And tell the believing women to lower their gaze (from looking at forbidden things), and protect their private parts (from illegal sexual acts, etc.) and not to show off their adornment except only that which is apparent (like palms of hands or one eye or both eyes for necessity to see the way, or outer dress like veil, gloves, head-cover, apron, etc.), and to draw their veils all over Juyubihinna (i.e. their bodies, faces, necks and bosoms, etc.) and not to reveal their adornment except to their husbands, their fathers, their husband's fathers, their sons, their husband's sons, their brothers or their brother's sons, or their sister's sons, or their (Muslim) women (i.e. their sisters in Islam), or the (female) slaves whom their right hands possess, or old male servants who lack vigour, or small children who have no sense of the shame of sex. And let them not stamp their feet so as to reveal what they hide of their adornment. And all of you beg Allah to forgive you all, O believers, that you may be successful.”
Here are Quranic Verses regarding the beauty of the women in Paradise:
2:25- “...they shall have therein Azwajun Mutahharatun (purified mates or wives), (having no menses, stools, urine, etc.) and they will abide therein forever.” This means God will provide pure women for men to have sex with in Paradise.55: 70-“Therein (In Paradise) will be fair (wives) good and beautiful.”37:48- -“And with them (believing men) will be chaste females, restraining their glances (desiring none except their husbands), with wide and beautiful eyes.” 37:49. “(Delicate and pure) as if they were (hidden) eggs (well) preserved.”2:25- "Virgins await those who enter paradise."
78:31-34 - “Verily for the Righteous(men) there will be the fulfilment of (the heart´s) desires; Gardens and vineyards, And a cup(of wine) overflowing; And women of equal age with big and firm breasts”
Quran 55:54-56 - “They(righteous men) will recline on Carpets...In them will be houris(virgins) restraining their glances, and no man or Jinn has ever opened their hymen with sexual intercourse, which of your Lord’s blessings would you deny?
The obsession and fascination with women's beauty and sex in the Islamic Paradise and lack of regard for female sexuality with no Quranic verses appealing to a Woman’s desire for sexual gratification clearly illustrates this was made up by sexually aroused Arabian Men who were implementing their sexual fantasies into their ideal paradise. It is oddly suspicious that there are no Islamic verses describing the handsome men in Paradise for women. The misogynistic objectification of women by portraying them as commodities and treating them like prizes to be won if One is faithful to Allah is typical of the ideals of the time, where women in most civilisations were treated as second class class citizens and had limited rights compared to men.
Bonus Quranic verses on women in Islam:
4:34- "Men are in charge of women, because Allah hath made the one of them to excel the other, and because they spend of their property (for the support of women). So good women are the obedient, guarding in secret that which Allah hath guarded. As for those from whom you fear rebellion from, admonish them and banish them to beds apart, and beat them. Then if they obey you, seek not a way against them. Lo! Allah is ever High, Exalted, Great." This verse means men are in charge of women, because Allah made men to be better than women. Women must obey men, and if they refuse they must be punished. Refuse to have sex with them and beat them into submission.
2:223- "Men,your women are soil for you (to cultivate/farm) so go to your soil as you please, and send (good deeds) before you for your souls, and fear Allah, and know that ye will (one day) meet Him. Give glad tidings to believers, (O Muhammad)." In the mind of Allah, women are like a dirty field for men to put their penises through. Plough them whenever you like (as long as they're not menstruating, of course.)
4:24- "Also forbidden for men to marry are women already married, except those whom your right hands possess(captive women aka sex slaves)." This verse means Allah permits men having sex slaves.
OBSESSION WITH DATES
Islam has stressed the holiness of the date and the date palm more than any other religion. In fact, the Prophet Muhammad said that Ajwah dates—grown in the Madinah region of Saudi Arabia—are from paradise. The date palm, mentioned more than any other fruit-bearing plant in the Quran 22 times is a symbol often associated with Muslims. Muhammad argued that seven dates in the morning protected one from poison and witchcraft. The Quran states that Mary was advised to eat dates while in labour with Jesus, to ease childbirth and strengthen the body. The Prophet was once reported to have said, “People in a house without dates are in a state of hunger.”
Some of the many Islamic verses on date-palms:The Hadith - Jami’ at-Tirmidhi 3464 states: “ The prophet says: whoever says: Glory is to Allah the Magnificent, and with His Praise, a date-palm tree is planted for him in Paradise.”36:34 - “And We have made (In Paradise) therein gardens of date-palms and grapes, and We have caused springs of water to gush forth therein.”55:11 - ”Therein are fruits, date-palms producing sheathed fruit-stalks (enclosing dates)."(This verse means thankfully Allah has provided humans with date-palms on Earth)17:91- "Or you have a garden of date-palms and grapes, and cause rivers to gush forth in their midst abundantly."55:68- "In them (both) will be fruits, and date-palms and pomegranates."80:29- "And olives and date palms"54:20- "Plucking out men as if they were uprooted stems of date-palms."(Allah bragging about the punishment and torment he inflicted on innocent disbelievers using a strong wind)
It seems very convenient and oddly suspicious that God has created a special status for date-palms in his religion and talks about dates an awful lot, given the fact dates are a staple food in Saudi Arabia (It’s eaten regularly and mass produced in the Arabic World). It is very easy for a culture that loves and places great value on dates to then say that God also gives dates a special status. Why the creator of the universe would have a liking to the common fruit in the Middle East over all the thousands of fruits that exist is unclear. It would be suspicious if the God of a religion of Japanese origin claimed Sushi is a holy,special food and described how much sushi there would be in heaven e.g "For those that believe, there will be plates of sushi for them in Paradise."

PORK
The Quran offers no explanation as to why pork is impure is it states in 6:145 when God says, in reference to the flesh of swine (pig), “for that surely it is impure.” Arabs generally didn’t eat pork and thought it was an unclean animal before Islam came so it was very convenient that Allah said Muslims shouldn’t eat pork as it was unclean and impure. This highlights how the Arabs were scientifically illiterate and didn't know proper cooking kills pathogens. Why would the creator of the universe view some foods the mere humans he created eat as disgusting but others perfectly fine for them to eat. This seems like a human trait that is usually dependent on One's culture. For example, a person from the USA may view eating snails and horse meat as disgusting whilst a person from France may view this as perfectly normal.

SPREAD OF ISLAMIslam was spread by Arab Conquest & War and Arab traders. The most Islamic regions of the world are in the Middle East/Arabic countries. Doesn't Allah know his "beautiful words of wisdom" for mankind would be spread through violent ways and evil dictators who forced it upon lands they conquered. Allah is All-Knowing, Benevolent and All-Powerful therefore he could have stopped these from happening or created a better way for his doctrine to spread through Mankind. Quran 2:256 states: "There is no compulsion in religion. Verily, the Right Path has become distinct from the wrong path." and 15:9 states: "Verily We: It is We Who have sent down the Dhikr (i.e. the Qur'an) and surely, We will guard it (from corruption.)" This verse clearly means the All-Powerful Allah and his Angels dramatically failed on their promise to protect the Quran from corruption and misuse as we know how much evil that has been committed in the name of the Quran throughout history especially given the infamous rise of Radical Islamic Terrorism over the last few decades. 99% of all terrorist attacks that occurred throughout the world from 2010-2020 were Islam related. This disproves many of Allah's 99 names such as AL-MUHAYMIN(The Preserver of Safety,) AR-RASHEED(The Guide, Infallible Teacher,) AL-HAQQ(The Absolute Truth,) AL-AZIZ(All Powerful,) AL-MUHAYMIN AL-‘ALEEM(The All-Knowing.) Doesn't Allah realise that by revealing his doctrine exclusively to Arabs, he engineered the cultural isolation of the rest of the world from his doctrine, he engineered the circumstances of Unbelievers' disbelief that live in the far corners of the world like South America,New Zealand and the Pacific/Remote Islands of the world therefore he created a punishment (Hell) for a situation he knowingly created. It is very suspicious that Allah is Arabic-speaking, Arab-centric, yet will punish non Arabs millenniums later for not believing the message they received through a game of telephone.

RENAMING OF JEWISH AND CHRISTIAN FIGURES
The Quran also arrogantly claims that key figures: Jesus(Isa), Abraham(Ibrahim), Noah(Nuh), David(Dawud), Ishmael(Ismail), Isaac(Ishaq), Joseph(Yusuf), Ezekiel(Dhulkifl), Moses(Musa), Solomon(Sulayman) ,Jacob(Yaqub) in the centuries old religions of Judaism and Christianity were actually Muslim and Islamic Prophets and gave them Arabic names instead of their Aramaic and Hebrew names. ARABIC NAMES ARE BRACKETED.

FASTING“The month of Ramadan [is that] in which was revealed the Quran, a guidance for the people and clear proofs of guidance and criterion. So whoever sights [the new moon of] the month, let him fast it; and whoever is ill or on a journey – then an equal number of other days. Allah intends for you ease and does not intend for you hardship and [wants] for you to complete the period and to glorify Allah for that [to] which He has guided you, and perhaps you will be grateful.” (Quran: 21:85)Fasting in Ramadan is one of the 5 pillars of Islam and must be performed if One is fit,healthy, not pregnant,not ill and not menstruating. Islam requires fasting from dawn till dusk in the holy month of Ramadan which is approximately 12 hours in Saudi Arabia. If the authoauthors were in Northern Europe where dawn till dusk can last up to 22-23 hours in the summer months, leaving a 1-2 hour window to eat a day for a whole month, they probably wouldn’t have made this difficult, extremely unhealthy and dangerous task a requirement. The author is also clearly unaware that there are parts of Northern Europe near the North Pole where the sun never sets in the summer months. This phenomenon is colloquially known as the Midnight Sun. For example Svalbard, Norway is known for having a Midnight Sun. In Svalbard, Norway there is no sunset from April to August and no sunlight from November to January. Islam was born 1400 years ago so how would people living in these parts of the world be able before the invention of mechanical clocks 600 years ago is unclear. The Quran makes no provisions for Muslims living in these areas, the Quran states in 6:38- " We did not leave ANYTHING out of this book," this is weird given the fact the Quran is meant to be the perfect,final word from the All-Knowing All-Powerful God who knows about the existence of the midnight sun.

THE ONLY ANIMALS,PLANTS, CITIES AND PEOPLE MENTIONED IN THE QURAN ARE THE ONES FOUND IN THE MIDDLE EAST.

The only animals and plants mentioned in the Quran are the ones found in the Middle East. Never ones specifically in Australia, Europe, Antarctica North America or South America.
The only cities, nations and continents mentioned in the Quran are the ones found in the Middle East area. Never ones specifically in Australia, Europe, Antarctica North America or South America.
The people mentioned in the Quran all lived in the Middle East area.The Quran doesn’t mention people living in Australia, Europe, Antarctica, North America or South America.
The Quran never mentions smoking even though it was popular and existed in the Americas long before the 7th century when the Quran was written.
All the miracles in the Quran occurred in Saudi Arabia and nowhere else in the world. No miracles from Allah. No miracles in the Quran in Australia, Europe, Antarctica, North America or South America.

ISLAM'S OBSESSION WITH ARABIC AND ARABIAN CULTUREReligions are fabricated by humans, consequently, they are tied and intrinsic to the particular culture it originated from and Islam is no exception. Religious and Non-Religious people agree that 99.99%+ of religions are fabricated by humans as there are thousands of religions that make incompatible claims,each claiming to be sourced from a divine being. Islam is obsessed with Arabic and Arabic culture, every page you turn to you see a reference to Arabic culture, this isn't the case for Christianity. The Majority of people don't think of Israel, Hebrew and Israeli culture when they think of Christianity. Like I said, the more a religion is tied to the culture of whatever society created it, the less likely it is to be legitimate. An omnipresent All-Knowing God wouldn’t care where on earth the primates he gave sentience to come from. A religion that professes its universality and its suitability for all mankind, 81:27 "Verily, this (the Quran) is no less than a Reminder to (all) the 'Alamin (mankind and jinns)," seems rather centred around a specific group of people (Arabs).
All evidence points to the fact Islam and the Quran was a completely made up by Arabic People and/or Muhammad who had no contact with a Deity and other cultures beside Arabic culture adding to the fact it is filled with hundred of contradictions, inconsistencies and scientific inaccuracies. The fictional character ,Allah, was clearly obsessed with Arabs and Arabic culture and couldn't go a few pages without a reference to Arabic culture; this guy is meant to be the creator of the universe. Islam appears to be a local Arab folklore to unite nomads under the banner of one God through the violent political campaign of Muhammad. Islam claims to be global but all knowing Allah forget to send prophets outside of Arab world. The evidence of contradictions, both big and small serves as clear evidence of human tampering. If the Quran came from Muhammad it was nothing more than fabrication from a power hungry megalomaniac, with his claims of divine inspiration being nothing more than an attempt to conquer Arabia and Islam being nothing more than just another false desert cult to emerge from a sea of desert cults.

Islam appears as if it ways made up by Primitive, medieval Arabs who didn't know anything about the world outside from their local area nor had interactions with a divine being.

ISLAM- The belief that an All-Knowing, All-Powerful God decided to reveal his doctrine for mankind, to a 7th century illiterate Arab slave trader(slave and sex slave owner who had regular sex with his 9 year old wife) ,in a cave where no one else was there to verify, through Angel Gabriel over 23 years rather than just beaming it into his brain.
Islam is an extremely Arab-centric religion, it seems as if it was completely made up by an Arabic person/people. The more a religion is tied to the culture of whatever society created it, the less likely it is to be legitimate. An omnipresent All-Knowing God wouldn’t care where on earth the primates he gave sentience to come from. This is what I will be discussing.

THE KAABA
The holy site for pilgrimage is very conveniently located in their backyard (Saudi Arabia.) This would be like a religion of Japanese origin claiming the holy site for pilgrimage is in Tokyo. Muslims have to pray towards the Kaaba which is located in Mecca, Saudi Arabia. Pre-Islamic Arabia was extremely underdeveloped and primitive. Literature wasn’t important and credible texts were rare so sometimes historians have to go with the biased Islamic perspective. According to the Abrahamic religions(Islam included), Abraham lived at around 2100-2200BC which is thousands of years before Islam was born in the 7th century. Islamic sources claim Abraham built the Kaaba for Islamic practises and it was his most important accomplishment. However the Bible never mentions the Kaaba and some Muslims claim Allah is the same God of the bible. Strangely the Kaaba was never mentioned in Judaism and Christianity. Only Islamic sources claim Christians and Jews also respected the Kaaba religiously. It was difficult to unify the many sects of Judaism and Christians on many things but not one sect of either religion mentioned the Kaaba. This suggests this idea was entirely fabricated. Islamic sources claim that the Kaaba in Mecca was a well known, important trade centre. Most Historians agree this is false as there was no mention of the Kaaba by the powerful Roman Empire, and the neighbouring Persian Empire and neighbouring Northern African Rulers until the birth of Islam . All historical evidence indicates the Quran was built by Arab Pagans a few centuries before Muhammad, not Abraham, yet again another false Islamic claim made by early Muslim Arabs or Muhammad.
The Zamzam Well is a well located in Mecca, Saudi East of the Kaaba the holiest place in Islam. According to Islam, it is a miraculously generated source of water from God, which sprang spontaneously thousands of years ago when Ibrahim (Abraham's) son Ismael (Ishmael) was left with his mother Hajar (Hagar) in the desert, thirsty and crying. Ibrahim made a request to Allah- 14:37: "{O our Lord! I have made some of my offspring to dwell in an uncultivable valley by Your Sacred House (the Ka'bah at Makkah) in order, O our Lord, that they may perform Salah (prayer). So fill some hearts among men with love towards them, and (O Allah) provide them with fruits so that they may give thanks.}" Muslims believe Zamzam was the first among many fruits provided to Ibrahim by Allah. provided to Ismail and Hajar were in the desert. Very conveniently the Holy Water in Islam is located in Mecca, Saudi Arabia. The water is so holy it is taught to heal diseases and sickness; there is no scientific evidence to support this. This appears to be a knock-off version of a biblical story (one of the many in Islam) where Abraham’s concubine and his son Ishmael were left in the desert of Paran in Palestine. The Hadith Sahih Muslim 31:6046 says that ZamZam water is special, can quench hunger,feed you and make you gain weight;there is of course no scientific evidence to support these claims. Islam makes it appear as if it is a miracle that there is water well in the desert which is expected coming from primitive Arab desert dwellers with little scientific knowledge. Water is underground in most deserts because as rainwater falls, it is absorbed underground and flows through the underground including under a desert.

IMPORTANCE OF ARABIC
Allah stated His holy book must be written, memorised and taught in Arabic(conveniently Muhammad's language) to Prophet Muhammad even though there are thousands of other languages in the world. Vulgar Latin or Middle Chinese were the most spoken language in the world in the 7th century when the Quran was revealed,English and Mandarin are the most spoken languages in the 21st century. Only 5% of the world's population today speak Arabic (Arabic is the 5th most spoken language in the world) so it is illogical, confusing and absurd why God wanted "the most important words for mankind" to be specifically delivered in Arabic. If Allah had revealed his doctrine to all cultures and corners of the world, there would be an independently verifiable method to confirm that every language in the world received the same message from the same God. This would be very powerful evidence in favour of Islam. It is a shame he decided against this:
Quranic Verses on Importance of Arabic:
41:3- "A Scripture whereof the verses are in detail, a Lecture in Arabic for people who have knowledge"
7:1: "Alif, Lam, Mim, Sad (These are the names of letters of the Arabic alphabet and in this sequence only Allah knows their meaning here;this is one of Allah's many miracles)."
12:2: "We have sent it down as an Arabic Quran so you people may understand/use reason"
14:44: "We have not sent any Messenger except with the language of his people (Arabic) so he can make things clear to them. Allah misguides anyone He wills and guides anyone He wills. He is the Almighty, the All-Wise."
42:7: "So We have revealed an Arabic Quran to you, in order that you may warn the mother of cities(Mecca) and all who live nearby..."
44:58: "We have made the Quran easy in your language (Arabic) so that they might be reminded."
26:198 - "And if We had revealed it (this Qur'an) unto any of the non-Arabs" - 26:199. "And had Muhammad recited the Quran unto them, they would not have believed in it "
41:44: "If We had made it a foreign Quran, they would have said, ‘If only its verses were clear! What? Foreign speech to an Arab?’ Say, ‘It is guidance and healing for those who have faith, but the ears of the disbelievers are heavy, they are blind to it, it is as if they are being called from a distant place." - Could Allah's book not also be unclear to Non-Arabic speakers which was the vast majority of the world in the 7th century and the 21st century?
Why the Almighty God would have a preference for one language over the thousands of others is unclear. Muslims believe Arabic has a special status in Islam. It is compulsory to learn Arabic to be a Muslim and perform activities like the 5 daily prayers, recite the Shahadah and read the Quran. Millions of Muslims around the world memorise the Quran and verses for prayer which are entirely in Arabic whilst not knowing the meaning of what they are saying when they pray everyday and read the Quran. It is estimated up to 10 million Muslims around the world (the majority not Arabic speaking in countries like Nigeria, Indonesia and Pakistan) have memorised the whole Quran. Most of them barely understand a word of what they have memorised It seems likely an All-Wise, All-Powerful God would be able to come up with a better way for people to show devotion to Him than reciting words in a foreign language they don’t know. God’s chosen messenger was an Arabic Person. Islam is filled with Key Arabic terms like Hajj, Shahadah, Taqwa, Taraweeh, Ramadan, Zakat and encourages Arabic customs like keeping a beard, eating dates and women covering their hair.

SPLITTING OF THE MOON
54:1 The Quran states: "The Hour draws near; the moon is split in two". And if they see a miracle they turn away and say 54:2 "Passing Magic," Sahih Bukhari 4:56:81 Narrated Anas states : \"*That the Meccan people requested Allah's Apostle to show them a miracle, and so he showed them the splitting of the moon."*The Quran and Hadith claim that the people of Mecca,Saudi Arabia asked Muhammad to prove that he had divine powers so he miraculously split the moon into two pieces and then, presumably, put it back together again. There is absolutely no scientific evidence whatsoever that the moon has ever been split into two. Since the moon is visible to half the planet at any given time, we should expect to see numerous accounts from different parts of the world attesting to this event if it actually happened. The Romans, Greeks, Egyptians, Persians, Chinese and Indians had avid astronomers who should have seen this event and recorded it in their histories. The absence of historical record from other civilisations, contemporary to Muhammad, is a strong indication that this event never happened. Yet again another Islamic lie. The Quran states in 4:82 "Do they not then consider the Qur'an carefully? Had it been from other than Allah, they would surely have found some contradictions." The Quran appears to tell us it certainly didn't come from God as we have clearly found a contradiction in the book between what it says and what actually happens/happened in reality as the moon never split. The Quran also says in 2:256 "Whoever believes in Allah, then he has grasped the most trustworthy handhold(The Quran) that will never break. And Allah is All-Hearer, All-Knower." Clearly the Quran is broken and is not trustworthy as it has lied to us and tried to deceive us about Science. The lie of the splitting of the moon disproves many of Allah's 99 names such as AL-HAQQ(The Absolute-Truth,) AR-RASHEED(The Infallible Teacher,) AL-ALEEM (The All-Knowing,) AR-RAQEEB(The Watchful One,) AL-HAKEEM(The All-Wise,) ASH-SHAHEED(The All Observing Witnessing, AL-MAJEED(The Glorious-Most Honourable,) AL-HAMEED(The Praiseworthy,)DHUL-JALAALI WAL-IKRAAM(Possessor of Glory and Honour, Lord of Majesty and Generosity.)

DESCRIPTIONS OF HEAVEN/PARADISE
The invention of an afterlife by religions such as Islam is to serve our primitive desires to stay alive and is a result of the fear of One's mortality. The invention of an afterlife is also means to satisfy our primal desires to feel pleasure and Islam provides this as it sates in 41:31- "You will have therein(Paradise) whatever yourselves desire, whatever you want." The sole purpose of a Muslim's life is to enter Paradise and according to 29:64- " This life is nothing but diversion and play (to distract you from the ultimate goal of paradise)" The way heaven is described in a religion is usually reflective of the culture the religion originated from; this is expected as religions are fabricated by humans not sourced from divine beings.
The Islamic Paradise (Jannah) is described in the Quran and in Hadiths as a place with lots of magnificent gardens, nice greenery and weirdly obsesses on how there are many rivers and sources of water in Paradise. Here are some verses on the Islamic Paradise:
36:34 - “And We have made (In Paradise) therein gardens of date-palms and grapes and We have caused springs of water to gush forth therein.”
3:193 - “But as to those who are careful of (their duty to) their Lord, they shall have gardens beneath which rivers flow....”
16:31 - “The gardens of perpetuity, they shall enter them, rivers flowing beneath them; they shall have in them what they please...”
47:15 - "The description of Paradise which the righteous have been promised is that in it are rivers of water the taste and smell of which are not changed..."
5:119- "...There are gardens, with rivers flowing beneath – their eternal Home. Allah is well-pleased with them, and they with Allah. That is the great salvation."
9:72- "Allah hath promised to Believers, men and women, gardens under which rivers flow, to dwell therein, and beautiful mansions in gardens of everlasting bliss."
61:12 - “These it is (Paradise) for whom are gardens of perpetuity beneath which rivers flow,”
54:54 - "Verily, The Righteous, will be in the midst of Gardens and Rivers in Paradise."
18: 33. "Each of those two gardens brought forth its produce, and failed not in the least therein, and We caused a river to gush forth in the midst of them."
The fascination with gardens and water appears to be a reasonable depiction of heaven coming from primitive desert dwellers who didn’t have much access to greenery and vast areas of water. Most people don't think of water when they think of a heaven except of course primitive Arabs who lived in the sweltering heat of the desert.
Islam is famous for having an extensive list of things which are forbidden under the religion (Haram) . There are customs like drinking alcohol, gambling, wearing gold and women being able to dress freely, and beautifying one's appearance which was and is part of most cultures including Pre-Islamic Arabia that were subsequently banned under Islam. I believe the reason religions like Islam ban trivial, inconsequential thing like beautifying one’s appearance is because if you can force people to give up something so intrinsic to their society and to being human, it is much easier exercise control. Abu Huraira reported Allah's Messenger (ﷺ) as saying: The world is a prison-house for a believer and Paradise for a non-believer. Sahih Muslim 2956. The purpose of tedious rules is to make its adherents cement themselves more concretely to the religion. Muslims are being controlled massively by the the commands of a fictional being(Allah) and unfortunately do not seem to understand that. There is no other reason. The rules do not benefit you but the business. Every time you follow these rules with no evidence they came from a divine being, you are paying another subscription fee until you decide you are being used and drained to the religions benefit, not yours. Muslims are obligated to follow the Quran and it's rules as it is supposedly the word of God- 4:59- "O you who believe! Obey Allah and obey the Messenger (Muhammad ), and those of you (Muslims) who are in authority and if there is deviation amongst yourselves, refer back to Allah, His Messenger (and Quran ), if you believe in Allah and in the Last Day. That is better and more suitable for final determination."
FASCINATION WITH WINE IN PARADISE
The fascination with wine in the Islamic heaven indicates that the Arabic authoauthors were into alcohol all along. Allah is clearly a confused man who doesn't even understand and abide by his own words as he says in 5:90 that alcohol consumption is the work of Satan but then promises alcohol in heaven for righteous Muslims. 5:90- "O you who believe! Intoxicants (all kinds of alcoholic drinks), gambling, Al-Ansab, and Al-Azlam (arrows for seeking luck or decision) are an abomination of Shaitan's (Satan) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful." It seems weird to condone something in Heaven that you said is bad to do on Earth.Here are Quranic verses on Alcohol in Paradise:
76:5 - "Indeed, the righteous will drink from a cup [of wine] whose mixture is of Kafur."
76:17 - “And they will be given to drink a cup [of wine] whose mixture is of ginger. “
47:15 - “The description of Paradise is that in it are rivers of water the taste and smell of which are not changed; rivers of milk of which the taste never changes; rivers of wine delicious to those who drink; and rivers of clarified honey (clear and pure)....”
FASCINATION WITH WOMEN AND SEX IN PARADISE
The Quran forbids men and women especially women from beautifying themselves, tells men to lower their gaze, tells men and women to be modest in dress and behaviour, and discourages the provocative sexual display of their bodies and and discourages hyper-sexuality however extensively discusses sex and the beauty of the women in heaven. Yet again, it seems weird to condone something in Heaven that you said is bad to do on Earth.
24:31 - “And tell the believing women to lower their gaze (from looking at forbidden things), and protect their private parts (from illegal sexual acts, etc.) and not to show off their adornment except only that which is apparent (like palms of hands or one eye or both eyes for necessity to see the way, or outer dress like veil, gloves, head-cover, apron, etc.), and to draw their veils all over Juyubihinna (i.e. their bodies, faces, necks and bosoms, etc.) and not to reveal their adornment except to their husbands, their fathers, their husband's fathers, their sons, their husband's sons, their brothers or their brother's sons, or their sister's sons, or their (Muslim) women (i.e. their sisters in Islam), or the (female) slaves whom their right hands possess, or old male servants who lack vigour, or small children who have no sense of the shame of sex. And let them not stamp their feet so as to reveal what they hide of their adornment. And all of you beg Allah to forgive you all, O believers, that you may be successful.”
Here are Quranic Verses regarding the beauty of the women in Paradise:
2:25- “...they shall have therein Azwajun Mutahharatun (purified mates or wives), (having no menses, stools, urine, etc.) and they will abide therein forever.” This means God will provide pure women for men to have sex with in Paradise.
55: 70-“Therein (In Paradise) will be fair (wives) good and beautiful.”
37:48- -“And with them (believing men) will be chaste females, restraining their glances (desiring none except their husbands), with wide and beautiful eyes.” 37:49. “(Delicate and pure) as if they were (hidden) eggs (well) preserved.”
2:25- "Virgins await those who enter paradise."
The obsession and fascination with women's beauty and sex in the Islamic Paradise and lack of regard for female sexuality with no Quranic verses appealing to a Woman’s desire for sexual gratification clearly illustrates this was made up by sexually aroused Arabian Men who were implementing their sexual fantasies into their ideal paradise. It is oddly suspicious that there are no Islamic verses describing the handsome men in Paradise for women. The misogynistic objectification of women by portraying them as commodities and treating them like prizes to be won if One is faithful to Allah is typical of the ideals of the time, where women in most civilisations were treated as second class class citizens and had limited rights compared to men.
Bonus Quranic verses on women in Islam:
4:34- "Men are in charge of women, because Allah hath made the one of them to excel the other, and because they spend of their property (for the support of women). So good women are the obedient, guarding in secret that which Allah hath guarded. As for those from whom you fear rebellion from, admonish them and banish them to beds apart, and beat them. Then if they obey you, seek not a way against them. Lo! Allah is ever High, Exalted, Great." This verse means men are in charge of women, because Allah made men to be better than women. Women must obey men, and if they refuse they must be punished. Refuse to have sex with them and beat them into submission.
2:223- "Men,your women are soil for you (to cultivate/farm) so go to your soil as you please, and send (good deeds) before you for your souls, and fear Allah, and know that ye will (one day) meet Him. Give glad tidings to believers, (O Muhammad)." In the mind of Allah, women are like a dirty field for men to put their penises through. Plough them whenever you like (as long as they're not menstruating, of course.)
4:24- "Also forbidden for men to marry are women already married, except those whom your right hands possess(captive women aka sex slaves)." This verse means Allah permits men having sex slaves.
OBSESSION WITH DATES
Islam has stressed the holiness of the date and the date palm more than any other religion. In fact, the Prophet Muhammad said that Ajwah dates—grown in the Madinah region of Saudi Arabia—are from paradise. The date palm, mentioned more than any other fruit-bearing plant in the Quran 22 times is a symbol often associated with Muslims. Muhammad argued that seven dates in the morning protected one from poison and witchcraft. The Quran states that Mary was advised to eat dates while in labour with Jesus, to ease childbirth and strengthen the body. The Prophet was once reported to have said, “People in a house without dates are in a state of hunger.”
Some of the many Islamic verses on date-palms:
The Hadith - Jami’ at-Tirmidhi 3464 states: “ The prophet says: whoever says: Glory is to Allah the Magnificent, and with His Praise, a date-palm tree is planted for him in Paradise.”
36:34 - “And We have made (In Paradise) therein gardens of date-palms and grapes, and We have caused springs of water to gush forth therein.”
55:11 - ”Therein are fruits, date-palms producing sheathed fruit-stalks (enclosing dates)."(This verse means thankfully Allah has provided humans with date-palms on Earth)
17:91- "Or you have a garden of date-palms and grapes, and cause rivers to gush forth in their midst abundantly."
55:68- "In them (both) will be fruits, and date-palms and pomegranates."
80:29- "And olives and date palms"
54:20- "Plucking out men as if they were uprooted stems of date-palms."(Allah bragging about the punishment and torment he inflicted on innocent disbelievers using a strong wind)
It seems very convenient and oddly suspicious that God has created a special status for date-palms in his religion and talks about dates an awful lot, given the fact dates are a staple food in Saudi Arabia (It’s eaten regularly and mass produced in the Arabic World). It is very easy for a culture that loves and places great value on dates to then say that God also gives dates a special status. Why the creator of the universe would have a liking to the common fruit in the Middle East over all the thousands of fruits that exist is unclear. It would be suspicious if the God of a religion of Japanese origin claimed Sushi is a holy,special food and described how much sushi there would be in heaven e.g "For those that believe, there will be plates of sushi for them in Paradise."

SPREAD OF ISLAM
Islam was spread by Arab Conquest & War and Arab traders. The most Islamic regions of the world are in the Middle East/Arabic countries. Doesn't Allah know his "beautiful words of wisdom" for mankind would be spread through violent ways and evil dictators who forced it upon lands they conquered. Allah is All-Knowing, Benevolent and All-Powerful therefore he could have stopped these from happening or created a better way for his doctrine to spread through Mankind. Quran 2:256 states: "There is no compulsion in religion. Verily, the Right Path has become distinct from the wrong path." and 15:9 states: "Verily We: It is We Who have sent down the Dhikr (i.e. the Qur'an) and surely, We will guard it (from corruption.)" This verse clearly means the All-Powerful Allah and his Angels dramatically failed on their promise to protect the Quran from corruption and misuse as we know how much evil that has been committed in the name of the Quran throughout history especially given the infamous rise of Radical Islamic Terrorism over the last few decades. 99% of all terrorist attacks that occurred throughout the world from 2010-2020 were Islam related. This disproves many of Allah's 99 names such as AL-MUHAYMIN(The Preserver of Safety,) AR-RASHEED(The Guide, Infallible Teacher,) AL-HAQQ(The Absolute Truth,) AL-AZIZ(All Powerful,) AL-MUHAYMIN AL-‘ALEEM(The All-Knowing.) Doesn't Allah realise that by revealing his doctrine exclusively to Arabs, he engineered the cultural isolation of the rest of the world from his doctrine, he engineered the circumstances of Unbelievers' disbelief that live in the far corners of the world like South America,New Zealand and the Pacific/Remote Islands of the world therefore he created a punishment (Hell) for a situation he knowingly created. It is very suspicious that Allah is Arabic-speaking, Arab-centric, yet will punish non Arabs millenniums later for not believing the message they received through a game of telephone.

The Quran also arrogantly claims that key figures: Jesus(Isa), Abraham(Ibrahim), Noah(Nuh), David(Dawud), Ishmael(Ismail), Isaac(Ishaq), Joseph(Yusuf), Ezekiel(Dhulkifl), Moses(Musa), Solomon(Sulayman) ,Jacob(Yaqub) in the centuries old religions of Judaism and Christianity were actually Muslim and Islamic Prophets and gave them Arabic names. ARABIC NAMES ARE BRACKETED.

FASTING
“The month of Ramadhan [is that] in which was revealed the Quran, a guidance for the people and clear proofs of guidance and criterion. So whoever sights [the new moon of] the month, let him fast it; and whoever is ill or on a journey – then an equal number of other days. Allah intends for you ease and does not intend for you hardship and [wants] for you to complete the period and to glorify Allah for that [to] which He has guided you, and perhaps you will be grateful.” (Quran: 21:85)
Fasting in Ramadan is one of the 5 pillars of Islam and must be performed if One is fit,healthy, not pregnant,not ill and not menstruating. Islam requires fasting from dawn till dusk in the holy month of Ramadan which is approximately 12 hours in Saudi Arabia. If the authoauthors were in Northern Europe where dawn till dusk can last up to 22-23 hours in the summer months, leaving a 1-2 hour window to eat a day for a whole month, they probably wouldn’t have made this difficult, extremely unhealthy and dangerous task a requirement. The author is also clearly unaware that there are parts of Northern Europe near the North Pole where the sun never sets in the summer months. This phenomenon is colloquially known as the Midnight Sun. For example Svalbard, Norway is known for having a Midnight Sun. In Svalbard, Norway there is no sunset from April to August and no sunlight from November to January. Islam was born 1400 years ago so how would people living in these parts of the world be able before the invention of mechanical clocks 600 years ago is unclear. The Quran makes no provisions for Muslims living in these areas, the Quran states in 6:38- " We did not leave ANYTHING out of this book," this is weird given the fact the Quran is meant to be the perfect,final word from the All-Knowing All-Powerful God who knows about the existence of the midnight sun.

THE ONLY ANIMALS,PLANTS, CITIES AND PEOPLE MENTIONED IN THE QURAN ARE THE ONES FOUND IN THE MIDDLE EAST.

The only animals and plants mentioned in the Quran are the ones found in the Middle East. Never ones specifically in Australia, Europe, Antarctica North America or South America.
The only cities, nations and continents mentioned in the Quran are the ones found in the Middle East area. Never ones specifically in Australia, Europe, Antarctica North America or South America.
The people mentioned in the Quran all lived in the Middle East area.The Quran doesn’t mention people living in Australia, Europe, Antarctica, North America or South America.
The Quran never mentions smoking even though it was popular and existed in the Americas long before the 7th century when the Quran was written.
All the miracles in the Quran occurred in Saudi Arabia and nowhere else in the world. No miracles from Allah. No miracles in the Quran in Australia, Europe, Antarctica, North America or South America.

ISLAM'S OBSESSION WITH ARABIC AND ARABIAN CULTURE
Religions are fabricated by humans, consequently, they are tied and intrinsic to the particular culture it originated from and Islam is no exception. Religious and Non-Religious people agree that 99.99%+ of religions are fabricated by humans as there are thousands of religions that make incompatible claims,each claiming to be sourced from a divine being. Islam is obsessed with Arabic and Arabic culture, every page you turn to you see a reference to Arabic culture, this isn't the case for Christianity. The Majority of people don't think of Israel, Hebrew and Israeli culture when they think of Christianity. Like I said, the more a religion is tied to the culture of whatever society created it, the less likely it is to be legitimate. An omnipresent All-Knowing God wouldn’t care where on earth the primates he gave sentience to come from. A religion that professes its universality and its suitability for all mankind, 81:27 "Verily, this (the Quran) is no less than a Reminder to (all) the 'Alamin (mankind and jinns)," seems rather centred around a specific group of people (Arabs).

All evidence points to the fact Islam and the Quran was a completely made up by Arabic People and/or Muhammad who had no contact with a Deity and other cultures beside Arabic culture adding to the fact it is filled with hundred of contradictions, inconsistencies and scientific inaccuracies. The fictional character ,Allah, was clearly obsessed with Arabs and Arabic culture and couldn't go a few pages without a reference to Arabic culture; this guy is meant to be the creator of the universe. Islam appears to be a local Arab folklore to unite nomads under the banner of one God through the violent political campaign of Muhammad. Islam claims to be global but all knowing Allah forget to send prophets outside of Arab world. The evidence of contradictions, both big and small serves as clear evidence of human tampering. If the Quran came from Muhammad it was nothing more than fabrication from a power hungry megalomaniac, with his claims of divine inspiration being nothing more than an attempt to conquer Arabia and Islam being nothing more than just another false desert cult to emerge from a sea of desert cults.
PS: I am Ex-Muslim

UK conservative opinions on Uk policy ideas (immigration, unions, advertising, electoral reform etc)

I would call myself a libertarian. I am a Marxist in that I use a materialistic interpretation of history and events. I have some ideas that I think would benefit the UK. Some of which are in line with conservative ideas. I would love to know what you guys think or what you think would be a better idea. Please criticize. I hope to have a dialogue about this as much as possible.
Drugs
de criminalise all drugs (much like portugal) treat it as a mental health issue. A lot of people take drugs because of homelessness and poverty so by dealing with those hard drug use will go down. Legalise Cannabis, Mushrooms (and most hallucinegics), LSD, MDMA and Cocaine (https://www.theguardian.com/commentisfree/2009/jun/13/bad-science-cocaine-study). tax them inline with the estimated costs for misuse of them. regulate them like tobacco and alcohol.
Obesity and Food
Ban the sale of energy drinks to children below 16. ban the sale of very sweet confectiionary and drinks to children below 16 (some mexican states have done it recently), This includes in schools. tax very fatty, sugary or nutritionly rare foods in line with what the estimated costs are for the NHS to deal with the health problems caused by them (much the same way we do with alcohol, tobacco and in my tax system other drugs). Possibly make it mandatory to fortify very cheap foods with minerals and vitamins so the impoverished can get more nutrients. although the body doesnt absorb these very well so it might be pointless.
Make it illegal for a company/business to throw away food stuff and make them donate it to foodbanks/food charities.
Advertising/product placement/Games/Gambling
Ban all adverts to children in any way. Ban alcohol ads, vaping ads, gambling ads, payday loan ads, ads for big SUV/highly polluting vehicles. Ban product placement, ban TV shows for kids that have toys explicitly linked to them. Ban Loot box system in games. Make fixed odds betting machines have lower returns. Either tax very highly online gambling sites (spin wheel style), forced break periods or make it a state monolopy. Gambling is effectively a license to print money. why shouldn't the state take the proceeds from what is a worthless noncontributing part of the economy. All ads that have photoshopped used need to a sign saying they've been photoshopped and very thin models have to have a medical certificate that they are healthy (like france).
NHS
repeal the Blair laws making the NHS act more a competitive business which have proved to ineffective. Make the English NHS system more in line with the Scottish system.
Tax or in some make people who do more dangerous activities pay a small amount extra for the increased likelihood of needing the services of the NHS like motorcyclists, horse riders, extreme sportspeople.
Free speech
repeal a lot of the Blair era censorship legislation. repeal with 2014 porn ban.
prostitution
legalize brothels. but make prostitution licensed to stop sex trafficking. Mandate the wearing of a condom. Possibly make it that you can only be a prostitute if you hold a british passport to stop sex trafficking from abroad.
Trade Unions
repeal the anti-trade union legislation.
Electoral reform
I think a system like Single Transferrable Vote would be better than FPTP. I think that registered political parties should somehow get some minimum funding from the state to facilitate a healthy and varied democracy. Remove the hereditary peerages from the house of lords.
availability of credit
I don't think payment plans for normal consumer goods should be available. I think it should be harder to get a pay day loan than it currently is.
Fines
I think that fines for speeding, other fine-able offenses should be means tested and shouldn't have a cap.
Copyright
I think that Copyright should expire for everything after 50 years. So at the this point everything from before 1969 should be in the public domain. I think any British citizen creator who leaves the UK to not pay income tax should have the copyright for their work removed in the UK when they do leave.
Welfare
Introduce Universal basic income in the UK. replace all the means tested and tedious bureaucracy associated with current system. I think it should start from 18 years old and increase slightly each year. Maybe start at 5,000 pounds and by your thirties move up to 10,000 pounds by the time you want to start having kids etc. I think UBI would make work always pay more than being on benefits. It would disincentive benefits fraud as well as people having children to acquire more benefits.
Tax
I do believe in a progressive taxation system. I think the tax free threshold should be raised. I think the brackets for taxation are good at the moment but I would add higher tax thresholds at higher rates e.g. 50% at 200,000, 60% at 500,000. I am unsure what the upper limit should be for tax rate or income. The rich will leave anyway (Jim ratcliffe most recenty) no matter what the tax rate is. If they ever wants to come into the UK they should have to pay to do so. If they have a knighthood it should be taken away.
Immigration.
remove all EU citizens not in critical under supplied or high paying jobs from the UK as well migratory workers from outside the EU. Syrian Civil war refugees should go back as well. basically as many people as possible should be made to go back to their country of origin without directly endangering their lives. I think the pay threshold for workers to legally migrate here should be much higher probably 40,000 pounds a year. there should be not net migration to the UK each year.
children and population growth
I think the UK should aim for net 0% population growth. I think couples who want to have kids should be made to screen for any hereditary recessive genetic diseases before they plan to have a child so they can know if they're kid is going to be disabled. Possibly people should have to have in the womb embryo testing as well to see if theyre child has any genetic diseases. legalise child euthanasia (like belgium and the netherlands https://en.wikipedia.org/wiki/Groningen_Protocol). I think people should be discouraged from having lots of children especially those without the means to provide for them. however if people do decide to have kids I think the provision for parenting should be a lot. 2+ years of paid maternity leave. free parenting lessons, support as much as possible the needs of the child and mother in the critical early bonding years. Ban all Child beauty pageants including trans ones (like france has done). I don't think childen can legally consent to hormone replacement drugs. I think the age of criminal responsibility should be raised should be raised to about 14. I think there are arguments to lower the age of consent in the UK to 15.
the environment
Library of things/Repair cafes in towns and cities to be able to more easily repairs good or not have to buy in the first place.
Government subsidy scheme to better insulate homes across country.
More extensive use of nuclear fission energy for electric generation.
Large scale food waste reclamation for Compost or animal feed.
Subsidy for Ground source heat pumps for poor households
Subsidy for Thermal exchangers in home for poor households
Make planned obselescene illegal. Make right to repair legally mandated.
simplify the amount and types of plastic products to make it easier to recycle goods. Ban non recyclable plastics from being used in single use items.
Make products label their expected lifetime (from average use) so consumer knows what a good long lasting product is. For large electric goods perhaps put a minimum expected lifespan for it to be sold in the UK.
I think you could legislate to make products illegal from rainforests or unsustainable harvested forest.
Tax loopholes
make all gift-aid illegal, make art donations as tax write off illegal, donations to think tanks,charities illegal as tax write-offs,
currently if you live outside the UK for more than 6 months you don't pay any income tax. I think the amount of income tax you pay should be proportionate for how long you spend in country with a bare minimum of 20% (estimate).
Make shell companies illegal so large multinationals can't escape to tax havens and not pay corporations tax. If they don't ban them from trading in the UK. This may need to be done in a coalition of states working together.
education
repeal Blair era education legislation that created needless hoops and paper work for teachers. repeal new laws that teachers can you sources from anti-capitalist, anti-democratic sources etc. repeal the Gove/Cameron legislation that made schools behave like businesses. The point of school is for the kds to work hard and earn qualifications not the teacher. It is an inherently discriminatory system. allow at GCSE much more education in technical qualifications. e.g. bricklaying, carpentry, electricians etc, machine work. I don't think they need to start at 16 or above. I think theres an argument that children should be able to leave school at 16. Some of the courses they do are pointless. Apprenticeship pay is so low that in the short term it makes more sense to get a minimum wage job. Atleast make apprenticeship pay in line with minimum wage to incentivise it rather than literally force kids to be extremely cheap labour.
self defense
I think it should be legal to carry around pepper spray, mace or stun gun. The criminals already have weapons. Why not decriminalise the ability for an individual to defend themselves especially women. Free female self defence classes.
BBC
release all BBC created media onto the Iplayer. The British Tax payer paid for it. Why shouldn't they be able to access it. Perhaps make a BBC iplayer app to host it all for foreigners to use and pay for like Netflix.
International business
Make corporations who sell goods in the UK prove that they don't come from slave/child labour. If they don't then they can't sell that product in the UK.
VAT
remove VAT for resold,recycled products, upcycled products, products that are good the planet (re-chargeable batteries, battery chargers). effectively rebrand VAT as a carbon tax. completely remove VAT on sanitary products, all energy efficiency/saving products.
Voting
like Australia make it mandatory to go to the polling booth.
University
make universities offer their humanities subjects as online only option so that people can do their degree from anywhere and not necessarily in the expensive university town. the course would be cheaper. Make foreign students pay for their healthcare when they are here.
Tourism
make foreigners pay to get into British Museums especially the big ones in london. I realise this may be cost prohibitive for smaller Museums.
Housing
change the rental legislation that tenants can legally not pay full rent if a landlord hasn't done repairs to the standard of the property when the renter moved in.
No foreigner can own more than 2 homes in the UK (in thailand you can't own any property unless you're thai)
Cap the number of a properties anyone can own. especially for buy to let landlords.
If a house has sat vacant for too long it has to be put on the market as a competitive price.
houses cannot be treated as an investment where it doesn't matter if its occupied or not. a roof over ones head is a right.
Homelessness
expand the access to homeless shelters. the best way to stop human and sex trafficking as well hard drug use to is stop homelessness.
migratory farm workers
ban migratory farm workers in the UK. there are thousands of Uni, GCSE, college and A level students who have months off school in the picking season. Why not get them to pick fruit and vegetables? same thing goes for homeless people. Get them all to pick fruit and veg.
littering & dog tax
small tax on having a dog to pay for dog park maintenance, dog bins, etc. small tax on single use packaging to pay for more Bins on high street, bins to be emptied more regularly to reduce littering. Same small tax on tobacco for cigarette butt bins.
These are all my ideas. Please critique them.

My Opinion on Technical Analysis, AMA!

TL-DR:
I'm a former retail Day Trader with 15 years experience. I've also worked as a Professional Stockbroker. I believe that technical analysis is a scam promoted by brokers in order to generate trading revenue from retail traders who are unable to afford access to the real news and data that moves stocks. I'll be online for the next 8 hours - AMA.
Edit 24 hours later:
I've literally been inundated with messages asking for my website and I just don't see why I shouldn't provide it. I've made the whole thing free - there are no paywalls. It's at news.broker
Post:
This opinion is unpopular amongst those who are somehow convinced that technical analysis does work. These individuals either rely on the scam in order to generate their income off the fees generated by retail traders OR have invested so much time and effort into learning technical analysis and the ability to quickly identify chart patterns that they unable to admit they might be wrong. I present this opinion after more than 15 years of trading experience both as a self-employed Day Trader and as a Professional Stockbroker. I am now a Financial Journalist and offer this insight in the hope that it convinces some people to wake up and see technical analysis for the fraud it is.
Now before I go on I want to first state that charts, by their definition, offer a visual depiction of historical stock price movement and are therefore very useful when it comes to analysing and researching stocks. Determining an entry and exit point using a stock chart and a few lines here and there is an excellent way of assessing previous levels of support and resistance when done properly and according to the timeframe upon which you wish to hold the stock.
Technical analysis is a good tool when used properly to determine the entry and exit price points of a stock that has already been selected to invest or trade using other forms of analysis.
In my first 2 or 3 years of being a Day Trader, I was convinced technical analysis was some kind of secret mystery that if mastered would lead to generating consistent profits. I figured that the short term trading of stocks was different to longer term investing and that a different approach was required to be successful. This false and incorrect belief was supported in the official literature provided by my broker in the guise of educational resources and I found plenty of guru's online and in person with very compelling arguments as to why I should pay them money to buy their books, courses, home study kits or overseas seminars.
I viewed technical analysis as being a new way of trading stocks. A secret that only a few people 'in the know' knew about and definitely something that could be learned and mastered on its own in order to become a successful trader. Who wouldn't want what I have just written? It sucks people in like a cult - people who just want to learn how to trade which I believe wholeheartedly is a noble and smart endeavour that strikes at the heart of entrepreneurship.
I attended seminars, purchased books, downloaded charting software and even stood up in front of a University presentation being conducted by a well known fund manager in an attempt to argue that his proven value investing philosophy was second to technical analysis. I thought it was the most purest form of generating insight into a stock price because it took it 'already took in all of the factors' - whatever the hell that means.
I would spend hours each night going through the stock chart of every single listed equity trading in the ASX/S&P 200 index (I live in Australia) and would apply various studies in order to determine what to trade the next day. I'd search for elusive breakouts, stocks that were about to hit previous support or resistance levels. The fundamentals didn't bother me because as far as I was concerned, technical analysis already included that and by the time a retail trader gets word of the news about a stock, it has already moved (there is unfortunately an element of truth in that - read on). I didn't really consider the fact that for a chart pattern to develop, the price must have also already moved somewhat.
My false belief as I touched on earlier was supported by my broker and again at the seminars my broker sent me to. In my opinion this was solid information/education because the people telling me were market professionals and much more experienced and educated than I was. I didn't consider that my broker only generates money when I generate fees from executing trades - it never entered my mind that this information could be a load of BS.
Thankfully, I had (and still have) a genuine and almost obsessive passion for business and the financial markets. I love reading company annual reports and conducting research and so in between looking at chart patterns and colouring in lines I would also look at the fundamentals of the business out of pure curiosity. As part of this process, I would pick up on certain things that would get me bullish or bearish about a stock - a product launch, a law suit or an industry forecast for example. As I gained experience trading I would slowly place more and more emphasis on the fundamentals until one day I saw the light.
A stock moves either up, down or sideways. Generally up or down - therefore, any type of analysis is going to be correct roughly 50% of the time. I would view all my profitable trades as solid examples of correctly applying technical analysis and I would view all loosing trades as being mistakes. For me, tefhncial analysis was perfect and when it didn't work it was because I hadn't properly applied it.
After about 2 or 3 years of trading using technical analysis exclusively, I began incorporating more and more fundamental analysis and kind of broke even most of the time. I worked as a Security Guard part-time to fund my life, but my full-time job and career was trading. I say this because for the first few years I really didn't make any serious profits, though I didn't lose much either so I kept persisting.
In my 4th or 5th year of trading I did well as I incorporated more fundamental analysis and less technical analysis but during the GFC in 2008 lost a fair bit of money. I returned to doing security work but still kept trading. Then I came into quite a bit of cash, quit my job and became a 'full-time trader' where I subsequently lost around $80,000 in one year.
I was devastated and about to quit everything and go back to being a security guard when I received a telephone call from Bloomberg one day offering me a free trial of their Professional terminal. I had no idea the cost and didn't ask. The operator figured I was loaded since I had spent $80k on the market in a short period of time and had set-up a Pty Ltd / LLC company for taxation reasons.
Within a few hours a courier arrived at the door with a colourful keyboard and a fingerprint authentication device that looked like something out of a 007 movie. I downloaded Bloomberg and switched on the terminal. My life pretty much changed that moment.
I now had access to the exact same financial news, economic data and research enjoyed by Wall Street brokers. As I said before I didnt quite understand what I had, but as I was about to quit everything anyway I genuinely didn't care. I still remember receiving a breaking news alert on the terminal within the first few moments regarding the very first Takarta airbag recall. I decided to short the stock as a test trade and within the next few months that position alone paid for the next 2 years of terminal access.
I couldn't believe the power I now had and I lived it up big time. I travelled to China, Hong Kong and stayed at luxury hotels. I flew business class and everyone who told me to get a real job and stop gambling on the market now looked at me differently. I had made it as a Day Trader and was now in the class of a 'sophisticated investor ' permitting me to various benefits and investment opportunities.
Truth be told, Day Trading even when successful gets a little lonely and boring. I saw a job advertisement for a boutique Stockbroking firm in Sydney and applied using a few years of broker statements and sent my email via Bloomberg's IM directly to the CEO. I had 3x gruelling interviews and got the job. I didnt do too well at being a broker and actually got put in charge of creating a morning news briefing and research reports for clients. It was at this point I realised my real passion in life was writing about financial news and the stockmarket. To cut a long story short I quit my job as Broker and started my own financial news website- which I have never disclosed on Reddit and will never do so in the future - there is no underlying motive for posting this. I just want to say my point if view.
As a Professional Broker, we did not use technical analysis unless the client requested it OR when determining support and resistance. It just doesn't work for anything else and the level of research, news, analytics and data made available to institutions is considerably better than what is made available to retail traders.
So why is technical analysis promoted so heavily? For a few reasons.
Firstly, your broker only makes profit when you trade. It is therefore in their best interest to get you trading and generating fees as much as possible. In order to get you to do this, they must provide you with some kind of motivation or explanation as to why to buy or sell a stock. The financial news industry is quite different to other news and whilst insider trading is illegal- it is far more common than you would think and comes in various shapes and forms.
I consider insider trading to be acting on information not made available to the general public right now. For me, that includes a news story that has only been published to a select few people who can afford a subscription that costs the same as the price or a new car. The law has a different definition that favours the elite.
I believe that retail traders should have access to the very same information, at the same time, as institutional traders. Organisations such as Bloomberg or Reuters should NOT be allowed to withhold their news stories to subscribers for a period of time like they do. $24k per year for a subscription is ridiculous for most people and places this valuable information well out of reach. This is the kind of information that moves the financial markets - NOT chart patterns resembling a human torso (head & shoulders) or the stars in the night sky (gann).
To put it simply: Fundamental Analysis such as news, financial statements, broker recommendations, industry forecasts, product releases, trademark/copyright registrations, dividend announcements, research reports, law suits, fiscal policy, management changes, new regulations, COVID-19, opinion polls, regulatory action, fines and penalties, patent grants, consumer sentiment, predictions for interest rate changes and other economic calendar events - the list is endless. It is these that moves the financial markets - NOT chart patterns!
Anybody who has worked in a professional level finance job knows what I'm saying is 100% true and correct. It is only uneducated, uninformed, inexperienced retail traders who buy into the technical analysis BS. Unfortunately, many of these traders either get a few wins and genuinely believe their own hype OR are just excellent liars and choose to promote their BS strategy using very professional looking and convincing arguments. I'm certain many will respond to this post calling me an idiot.
I've quit trading and I'm not a broker. I'm an independent financial journalist and have ZERO investment holdings in any listed or non-listed company. I invest my money in AUD because it is my local currency and I own Gold - that's it. I'm 100% independent and I charge $1.00 for 12 months of access to my website which as I said is NOT given out on this reddit account. I've written this very lengthy post to provide some insight into the scam that is technical analysis.
I'll be on for the next 8 hours or so, go ahead and AMA if you have questions. Thanks.

+60,000+ Legends!

Hello Everyone!

As we enter the most wonderful time of the year, the 20 days of footy, we have much to celebrate!

Firstly, we just ticked over 60,000 footy fans in AFL!

We welcome all our new friends from all over the world as our reach expands across to the US and further with regular broadcast timeslots across a range of networks. As well as all our new friends within Australia who are immersing themselves within footy culture from the comfort of their couch and home while we navigate these crazy times. We have welcomed our new friends with weekly newbie threads on a Friday, where no question is silly and all commentary from the perspective of a newcomer is at home and a new Compendium that you should also check out!
It is absolutely amazing to see so many people from all walks of life interacting and bonding over the fierce rivalry of who will host the 2020 Grand Final. Which will obviously be Blundstone Arena.

We thank you all for being so welcoming to all our newcomers. And we also thank you for being all so resilient in such troublesome times. We all know that everyone is going through some serious stuff right now in the world and you have all been so supportive of each other.

This new traffic and influx of users has prompted us to announce a revamped rules list and a reminder to familiarise yourself with them, to ensure the high calibre of content you all produce is maintained.
AFL is a sport that reaches across all divisions of humanity to bring them together to enjoy the Greatest Sport on Earth. Your subreddit reflects Aussie Rules’ diversity, and as such people from all walks of life are a part of our vibrant community.
We have decided to revamp the rules and make them a bit more user friendly, and we are mentioning this now as there has been a substantial increase in abuse and negativity within the subreddit.
If you intend to join in the discussion around our great game there are some basic guidelines the AFL community expects you to follow;

Be Respectful to One Another; our game and the people around it can charge some spirited debate, but that doesn’t give anyone license be uncivil.
Be Kind to One Another; the world is an unkind place enough as it is, AFL has a proud history of making all people feel welcome, and expect new users to do the same.
Don’t do Illegal Things; streams, scamming people, harassing other users that kind of thing are not in the communities control once they are referred to Reddit admins, or other appropriate authorities. Please take care.

That’s it really! If everyone did these things we wouldn’t need the next bit!

1. AFL Users Prohibited Contact

1.1. Do not be a Dickhead.

Reported as: 1.1. Do not be a dickhead.
1.1. What is a dickhead? Not being civil in discussions and debates, and not being respectful of others. Do not be aggressive, call people names, make overtly offensive comments or flame them. Homophobic, racist, sexist, and other intolerant comments directed at those within the AFL industry, community and fellow redditors will be removed, and may also result in a ban. Do not be a dickhead. Being a dickhead, especially repeatedly, may lead to a ban.

1.2. Charging Opposition Player / No Ad Hominem attacks

Reported as: 1.2. Refrain from ad hominem attacks
1.2. Refrain from ad hominem attacks i.e. derogatory comments regarding a person rather than their actions or comments. Offensive comments will be removed and may result in a ban. This includes calling out and negatively usertagging fellow redditors for gloating/spite. Remember the human and play the ball, not the player.

1.3. Contact Below The Knees / Do not Injury Cheer

Reported as: 1.3. Do not Injury Cheer
1.3. Do not Injury Cheer; Any comments wishing injury or taking joy in one will be removed, and may result in a ban.

1.4 Too Many Men on Field / Alt accounts may be banned

Reported as: 1.4 Alt accounts may be banned
1.4. Users, novelty accounts, alt accounts and downvote magnets which make no reasonable contribution to discussions may be banned.

1.5 Illegal Shepherd / Refrain from Discussion on Politics & Religion

Reported as: 1.5 Refrain from discussion on politics & religion
1.5. Unless in a Free Talk Thread or directly applicable to a thread, please refrain from discussing politics and religion. If directly applicable to a submission, please keep the discussion within the thread, and be tolerant of others' beliefs and points of view.

1.6. You Need to Calm Down / Keep Reddiquette in mind

Reported as: 1.6. Keep Reddiquette in mind
1.6. Keep Reddiquette in mind, including general Reddit rules (no illegal activity, no personal information, etc.) We have no control over the action that Admins take in response to breaking Reddit Rules. https://www.reddit.com/wiki/reddiquette

1.7 Yanio, Yknow? / Rumours must be from known personas or media outlets.

Posts only
Reported as: 2.8. Rumours must be from known personas or media outlets.
2.8. Rumours must be from known personas or media outlets; this is to cut down on the influx of fake and troll social media accounts making up rubbish for cheap views and drama. Links to unverified social media accounts or to purposefully anonymous accounts will be removed and the user may be banned.

2. AFL Content Provisions

2.4. Do Not Spam Our Subreddit.

Reported as: 2.4. Do not spam our subreddit.
2.4. Do not spam our subreddit. If the sole purpose of you being a reddit user is to submit content from or to direct traffic to your own website (or blog, or youtube channel, articles you wrote, tweets and twotes from your fan account etc.), we will remove that content, mark your submissions as spam and likely ban you. However, if you are regular contributor of /AFL we are willing to make reasonable exceptions.

2.2 Low Effort Content May Be Removed.

Reported as: 2.2 Low effort content may be removed.
2.2. Memes, advice animals, single line text posts and other low-content posts that do not contribute or spark healthy discussion may be removed at moderators' discretion. This includes ‘lolspotting’ where debate in singular posts for ‘LOL of the Week’, short hot takes from a match just finished ‘Does anyone reckon… ?” or other such similar posts. There is definitely a thread for it during the week or up currently within the subreddit. Please save your Dankest for the Monday Meme thread and read the submission guide for further explanation.

2.1 Do Not Post Streams/Downloads

Reported as: 2.1 Do not post Streams/Downloads
2.1. Do not post threads about streaming or downloading AFL games. Keep them in the match thread or read the How to Watch AFL Guide if you need more information.

2.3 RTFFAQM!

Reported as: 2.3 RTFFAQM!
2.3. Please check the FAQ and New queue before making a submission and keep titles accurate and free of bias. When posting news articles, please use the suggested title or the title on the webpage at the time of posting. Do not use URL shorteners, as any posts with URL shorteners will be removed automatically. Mark any NSFW posts clearly. Posts in violation may be removed at moderators' discretion.

2.6. No Submissions Related To Gambling.

Reported as: 2.6. No submissions related to Gambling.
Any link or text submission to do with gambling or gambling companies will be removed immediately and may result in a ban. Discussion in specific threads is permitted but is at the discretion of the moderation team. This means posts discussing dollar odds for matches, Brownlow winners, and Coleman etc. Flair bets however, are strongly encouraged.

2.7. Highlight and other AFL videos must be of high quality and from reputable websites.

Reported as: 2.7. Highlight and other AFL videos must be of high quality
2.7. AFL related videos, highlights or media must be of high quality and from a reputable platform, such as v.reddit, Gyfcat, Twitter, YouTube or Facebook. Please do not record your TV on your phone in your shaky hand while balancing a pie in the other. Enjoy that pie.
If you need to have a gander of these rules further down the line, as always, they will be in the side bar, alongside the FAQ, the Wiki and a bunch of other cool information.
There has been a severe increase in umpire abuse in match threads and discussion threads. They are members of the AFL cohort and it is against subreddit rules to attack them, no matter how justified or vindicated you feel. Commentary on rules within the game itself, and their implementation are allowed, you're allowed to be critical of how the game is governed, from on the grass and in AFL House.
Please remember the human. They are doing their jobs, they have family and friends, and are also quarantining for AFL and are missing their loved ones too.
In order to continue making the home of AFL on Reddit the best place to be, it is up to you, the legend that you are, and need to be vigilant of this behaviour. If you see any comments or discussion that break rules. Please. Report. It.
We are not all seeing eyes. If you wish to see change within the subreddit, report the antisocial behaviour.
If you abuse those of the AFL community and your peers within this subreddit, you will be banned.
If you send abuse to anyone in the moderating group you will be banned.
Be a dickhead, you will be banned.
We are all human. We are all here for the same reason, to worship to holy deities of Faganism and Dewdis— uhh..here to enjoy the wonderful sport of AFL. Yes. AFL.
AFL is an inclusive, positive and friendly place to meet and discuss all areas of AFL. For everyone no matter their age, gender, sexual orientation, culture/nationality or football team, no matter how much we all hate Collingwood.
We are all accountable for what happens here.

Keep staying awesome, please stay safe and enjoy the 20 days of footy!

UK Labour opinions on UK policy ideas (immigration, unions, advertising, electoral reform etc)

I'm not sure if this is allowed here. I would call myself an environmental libertarian-ish. I am member of the Labour Party. I am a Marxist in that I use a materialistic interpretation of history and events. I have some ideas that I think would benefit the UK. Some of which are in line with Labour ideas. I would love to know what you guys think or what you think would be a better idea. Please criticize. I hope to have a dialogue about this as much as possible.
Drugs
Decriminalise all drugs (much like portugal) treat it as a mental health issue. A lot of people take drugs because of homelessness and poverty so by dealing with those hard drug use will go down. Legalise Cannabis, Mushrooms (and most hallucinegics), LSD, MDMA, Steroids and Cocaine (https://www.theguardian.com/commentisfree/2009/jun/13/bad-science-cocaine-study). Tax them inline with the estimated costs for misuse of them. Regulate them like tobacco and alcohol.
Obesity and Food
Ban the sale of energy drinks to children below 16. Ban the sale of very sweet confectionery and drinks to children below 16 (some Mexican states have done it recently), This includes in schools. Tax very fatty, sugary or nutritionally rare foods in line with what the estimated costs are for the NHS to deal with the health problems caused by them (much the same way we do with alcohol, tobacco and in my tax system other drugs). Possibly Ban the use of High Fructose Corn Syrup and Margarine in UK foods. Possibly make it mandatory to fortify very cheap foods with minerals and vitamins so the impoverished can get more nutrients. although the body doesn't absorb these very well so it might be pointless.
Plain Packaging and warning labels on Junk food like cigarettes. make the nutritional information for actual representative portions. If companies shrinkflate a product then they have to put it on the packaging of the product that they have done so. Ban the sale of Alcohol and Tobacco to pregnant women (not sure how you enforce this).
Make it illegal for a company/business to throw away food stuff and make them donate it to foodbanks/food charities (Like France)
Advertising/product placement/
Ban all adverts to children in any way. I think you could also make toys/mannequins sold in the UK have realistic proportions for both boys and girls. Ban junk food ads, alcohol ads, vaping ads, gambling ads, payday loan ads, ads for big SUV/highly polluting vehicles. Ban the sponsorship of events by any of these things either. Ban product placement, ban TV shows for kids that have toys explicitly linked to them. All ads that have photo shopped used need to a sign saying they've been photo shopped and very thin models have to have a medical certificate that they are healthy (like France).
Gambling/Games
Ban or reclassify Loot box systems in games. Make fixed odds betting machines have lower returns. Either tax very highly online gambling sites (spin wheel style), forced break periods or make it a state monolopy. Gambling is effectively a license to print money. Why shouldn't the state take the proceeds from what is a worthless noncontributing part of the economy. Either make the lottery state run and recieve all the profits for public work or ban it and replace it with a government bond deposit scheme like premium bonds but a lower threshold to enter.
NHS
repeal the Blair laws making the NHS act more a competitive business which have proved to ineffective. Make the English NHS system more in line with the Scottish system.
Tax or in some make people who do more dangerous activities pay a small amount extra for the increased likelihood of needing the services of the NHS like motorcyclists, horse riders, extreme sportspeople.
Ban the ever greening of drugs so they can be made cheaply and generically. If a pharma company has received funding to develop a drug then it must be sold at cost (or much lower profit). Somehow democratise the access to science and medical journals e.g. higher tax, made to be free if research was publicly funded, government run science journal).
Free speech
Repeal a lot of the Blair era censorship legislation. repeal with 2014 porn ban.
prostitution
Legalize brothels. but make prostitution licensed to stop sex trafficking. Mandate the wearing of a condom. Possibly make it that you can only be a prostitute if you hold a british passport to stop sex trafficking from abroad.
Trade Unions
repeal the anti-trade union legislation.
Electoral reform
I think a system like Single Transferrable Vote would be better than FPTP. I think that registered political parties should somehow get some minimum funding from the state to facilitate a healthy and varied democracy. Remove the hereditary peerages from the house of lords.
availability of credit
I don't think payment plans for normal consumer goods should be available. I think it should be harder to get a pay day loan than it currently is.
Fines
I think that fines for speeding, other fine-able offenses should be means tested and shouldn't have a cap.
Copyright
I think that Copyright should expire for everything after 50 years. So at the this point everything from before 1969 should be in the public domain. I think any British citizen creator who leaves the UK to not pay income tax should have the copyright for their work removed in the UK when they do leave.
Welfare
Introduce Universal basic income in the UK. Replace all the means tested and tedious bureaucracy associated with current system. I think it should start from 18 years old and increase slightly each year. Maybe start at 5,000 pounds and by your thirties move up to 10,000 pounds by the time you want to start having kids etc. I think UBI would make work always pay more than being on benefits. It would disincentive benefits fraud as well as people having children to acquire more benefits.
Tax
I do believe in a progressive taxation system. I think the tax free threshold should be raised. I think the brackets for taxation are good at the moment but I would add higher tax thresholds at higher rates e.g. 50% at 200,000, 60% at 500,000. I am unsure what the upper limit should be for tax rate or income. The rich will leave anyway (Jim ratcliffe most recenty) no matter what the tax rate is. If they ever wants to come into the UK they should have to pay to do so. If they have a knighthood it should be taken away.
Immigration.
Remove all EU citizens not in critical under supplied or high paying jobs from the UK as well migratory workers from outside the EU. Syrian Civil war refugees should go back as well, The war is over now. basically as many people as possible should be made to go back to their country of origin without directly endangering their lives. I think the pay threshold for workers to legally migrate here should be much higher probably 40,000 pounds a year. There should ideally be no net migration to the UK each year.
children and population growth
I think the UK should aim for net 0% population growth. I think couples who want to have kids should be made to screen for any hereditary recessive genetic diseases before they plan to have a child so they can know if they're kid is going to be disabled/Birthing complications. Possibly if a couple is high risk of a genetic diseased child people should have to have in the womb embryo testing as well to see if theyre child has any genetic diseases. I think people should be discouraged from having lots of children especially those without the means to provide for them. However if people do decide to have kids I think the provision for parenting should be a lot. 2+ years of paid maternity leave. Free parenting lessons, support as much as possible the needs of the child and mother in the critical early bonding years.
Ban all Child beauty pageants including trans ones (like France has done). I don't think children can legally consent to hormone replacement drugs. Ban Gay conversion therapy. I think the age of criminal responsibility should be raised should be raised to about 14. I think there are arguments to lower the age of consent in the UK to 15.
Euthanasia
Legalise child euthanasia (like belgium and the netherlands https://en.wikipedia.org/wiki/Groningen_Protocol). Legalise normal euthanasia for people of any age as well.
the environment
Library of things/Repair cafes in towns and cities to be able to more easily repairs good or not have to buy in the first place.
Ban or curtail the sale of bottled war. Install more water fountains and public bathrooms instead.
Government subsidy scheme to better insulate homes across country.
More extensive use of nuclear fission energy for electric generation.
Large scale food waste reclamation for Compost or animal feed.
Subsidy for Ground source heat pumps for poor households
Subsidy for Thermal exchangers in home for poor households
Make planned obselescene illegal. Make right to repair legally mandated.
simplify the amount and types of plastic products to make it easier to recycle goods. Ban non recyclable plastics from being used in single use items.
Ban paper junk mail and possibly free newspapers.
Make products label their expected lifetime (from average use) so consumer knows what a good long lasting product is. For large electric goods perhaps put a minimum expected lifespan for it to be sold in the UK.
I think you could legislate to make products illegal from rainforests or unsustainable harvested forest (palm oil specifically)
Tax loopholes
Make all gift-aid illegal, make art donations as tax write off illegal, donations to think tanks,charities illegal as tax write-offs,
Currently if you live outside the UK for more than 6 months you don't pay any income tax. I think the amount of income tax you pay should be proportionate for how long you spend in country with a bare minimum of 20% (estimate).
Make shell companies illegal so large multinationals can't escape to tax havens and not pay corporations tax. If they don't ban them from trading in the UK. This may need to be done in a coalition of states working together.
education
Repeal Blair era education legislation that created needless hoops and paper work for teachers. Repeal new laws that teachers can you sources from anti-capitalist, anti-democratic sources etc. Repeal the Gove/Cameron legislation that made schools behave like businesses. The point of school is for the kids to work hard and earn qualifications not the teacher. It is an inherently discriminatory system. allow at GCSE much more education in technical qualifications. e.g. bricklaying, carpentry, electricians, machine work, DJing etc . I don't think they need to start doing it at 16 or above. I think there's an argument that children should be able to leave school at 16. Some of the courses they do are pointless. Apprenticeship pay is so low that in the short term it makes more sense to get a minimum wage job. Atleast make apprenticeship pay in line with minimum wage to incentivise it rather than literally force kids to be extremely cheap labour like now.
self defense
I think it should be legal to carry around pepper spray, mace or stun gun especially for women. The criminals already have weapons. Why not decriminalise the ability for an individual to defend themselves especially women. Free female self defence classes.
BBC
Release all BBC created media onto the Iplayer. The British Tax payer paid for it. Why shouldn't they be able to access it. Perhaps make a BBC iplayer app to host it all for foreigners to use and pay for like Netflix.
business
Make corporations who sell goods in the UK prove that they don't come from slave/child labour. If they don't then they can't sell that product in the UK. Ban or reclassify Multi Level Marketting companies as Ponzi Schemes. Label Scientology as a cult (like Germany has). Regulate detox tea and supplements like any other medicine/pharmaceutical. One day a year allow any to search for a named person and see what their salary is (Norway does this).
Government
Ban former MPs from ever holding any business position once they retire. Make them divest all their business interests before being an MP. Make their spouses and children's company's to never receive state money or have a job in a state enterprise. Same goes for Generals/Civil Servants. Spread of Government facilities from London to other cities e.g. does any every ministry need to be in London? Pay HMRC accountants/auditors much more than they a company would so they tell the government the loopholes companies use to not pay tax. Make it Financially rewarding to be ethical.
VAT
Remove VAT for resold,recycled products, upcycled products, products that are good the planet (re-chargeable batteries, battery chargers). Effectively re brand VAT as a carbon tax. Completely remove VAT on sanitary products, all energy efficiency/saving products.
Voting
Like Australia make it mandatory to go to the polling booth.
University
make universities offer their humanities subjects as an online only option as well as in person so that people can do their degree from anywhere and not necessarily in the expensive university town. The course would be cheaper. Make foreign students pay for their healthcare when they are here. Give less money to unis with more beneficiary (e.g. red brick unis). They already have so many endowments they don't need as much from the state. Foreign students can't work at all while studying here.
Tourism
Make foreigners pay to get into British Museums especially the big ones in london. I realise this may be cost prohibitive for smaller Museums.
Housing
Change the rental legislation that tenants can legally not pay full rent if a landlord hasn't done repairs to the standard of the property when the renter moved in.
No foreigner can own more than 2 homes in the UK (in Thailand you can't own any property unless you're Thai)
Cap the number of a properties anyone can own. especially for buy to let landlords.
If a house has sat vacant for too long it has to be put on the market as a competitive price.
Rent control for a property inline with inflation for renters.
Houses cannot be treated as an investment where it doesn't matter if its occupied or not. A roof over ones head is a right.
Homelessness
Expand the access to homeless shelters. The best way to stop human and sex trafficking as well hard drug use to is stop homelessness.
migratory farm workers
Ban migratory farm workers in the UK. There are thousands of underemployed Uni, GCSE, college and A level students who have months off school in the picking season. Why not pay them to pick fruit and vegetables? Same thing goes for homeless people. Get them all to pick fruit and veg.
littering & dog tax
Small tax on having a dog to pay for dog park maintenance, dog bins, etc. Small tax on single use packaging to pay for more Bins on high street, bins to be emptied more regularly to reduce littering. Same small tax on tobacco for cigarette butt bins.
These are all my ideas. Please critique them.

UK Labour opinions on Uk policy ideas (immigration, unions, advertising, electoral reform etc)

I would call myself an environmental libertarian-ish. I am a Marxist in that I use a materialistic interpretation of history and events. I have some ideas that I think would benefit the UK. Some of which are in line with Labour ideas. I would love to know what you guys think or what you think would be a better idea. Please criticize. I hope to have a dialogue about this as much as possible.
Drugs
de criminalise all drugs (much like portugal) treat it as a mental health issue. A lot of people take drugs because of homelessness and poverty so by dealing with those hard drug use will go down. Legalise Cannabis, Mushrooms (and most hallucinegics), LSD, MDMA, Steroids and Cocaine (https://www.theguardian.com/commentisfree/2009/jun/13/bad-science-cocaine-study). tax them inline with the estimated costs for misuse of them. regulate them like tobacco and alcohol.
Obesity and Food
Ban the sale of energy drinks to children below 16. ban the sale of very sweet confectiionary and drinks to children below 16 (some mexican states have done it recently), This includes in schools. tax very fatty, sugary or nutritionly rare foods in line with what the estimated costs are for the NHS to deal with the health problems caused by them (much the same way we do with alcohol, tobacco and in my tax system other drugs). Possibly make it mandatory to fortify very cheap foods with minerals and vitamins so the impoverished can get more nutrients. although the body doesnt absorb these very well so it might be pointless. Plain Packaging and warning labels on Junk food like cigarettes. make the nutritional information for actual representative portions. Possibly Ban the use of High Fructose Corn Syrup and Margarine in UK foods. If companies shrinkflate a product then they have to put it on the packaging of the product that they have done so. Ban the sale of Alcohol and Tobacco to pregnant women (not sure how you enforce this).
Make it illegal for a company/business to throw away food stuff and make them donate it to foodbanks/food charities.
Advertising/product placement/
Ban all adverts to children in any way. I think you could also make toys/mannequins sold in the UK have realistic proportions for both boys and girls. Ban junk food ads, alcohol ads, vaping ads, gambling ads, payday loan ads, ads for big SUV/highly polluting vehicles. Ban the sponsorship of events by any of these things either .Ban product placement, ban TV shows for kids that have toys explicitly linked to them. All ads that have photoshopped used need to a sign saying they've been photoshopped and very thin models have to have a medical certificate that they are healthy (like france).
Gambling/Games
Ban or reclassify Loot box systems in games. Make fixed odds betting machines have lower returns. Either tax very highly online gambling sites (spin wheel style), forced break periods or make it a state monolopy. Gambling is effectively a license to print money. why shouldn't the state take the proceeds from what is a worthless noncontributing part of the economy. Either make the lottery state run and recieve all the profits for public work or ban it and replace it with a government bond deposit scheme like premium bonds but a lower threshold to enter.
NHS
repeal the Blair laws making the NHS act more a competitive business which have proved to ineffective. Make the English NHS system more in line with the Scottish system.
Tax or in some make people who do more dangerous activities pay a small amount extra for the increased likelihood of needing the services of the NHS like motorcyclists, horse riders, extreme sportspeople.
Ban the evergreening of drugs so they can be made cheaply and generically. If a pharma company has recieved funding to develop a drug then it must be sold at cost (or much lower profit). Somehow democratise the access to science and medical journals e.g. higher tax, made to be free if research was publicly funded, government run science journal).
Free speech
repeal a lot of the Blair era censorship legislation. repeal with 2014 porn ban.
prostitution
legalize brothels. but make prostitution licensed to stop sex trafficking. Mandate the wearing of a condom. Possibly make it that you can only be a prostitute if you hold a british passport to stop sex trafficking from abroad.
Trade Unions
repeal the anti-trade union legislation.
Electoral reform
I think a system like Single Transferrable Vote would be better than FPTP. I think that registered political parties should somehow get some minimum funding from the state to facilitate a healthy and varied democracy. Remove the hereditary peerages from the house of lords.
availability of credit
I don't think payment plans for normal consumer goods should be available. I think it should be harder to get a pay day loan than it currently is.
Fines
I think that fines for speeding, other fine-able offenses should be means tested and shouldn't have a cap.
Copyright
I think that Copyright should expire for everything after 50 years. So at the this point everything from before 1969 should be in the public domain. I think any British citizen creator who leaves the UK to not pay income tax should have the copyright for their work removed in the UK when they do leave.
Welfare
Introduce Universal basic income in the UK. replace all the means tested and tedious bureaucracy associated with current system. I think it should start from 18 years old and increase slightly each year. Maybe start at 5,000 pounds and by your thirties move up to 10,000 pounds by the time you want to start having kids etc. I think UBI would make work always pay more than being on benefits. It would disincentive benefits fraud as well as people having children to acquire more benefits.
Tax
I do believe in a progressive taxation system. I think the tax free threshold should be raised. I think the brackets for taxation are good at the moment but I would add higher tax thresholds at higher rates e.g. 50% at 200,000, 60% at 500,000. I am unsure what the upper limit should be for tax rate or income. The rich will leave anyway (Jim ratcliffe most recenty) no matter what the tax rate is. If they ever wants to come into the UK they should have to pay to do so. If they have a knighthood it should be taken away.
Immigration.
remove all EU citizens not in critical under supplied or high paying jobs from the UK as well migratory workers from outside the EU. Syrian Civil war refugees should go back as well. basically as many people as possible should be made to go back to their country of origin without directly endangering their lives. I think the pay threshold for workers to legally migrate here should be much higher probably 40,000 pounds a year. there should be not net migration to the UK each year.
children and population growth
I think the UK should aim for net 0% population growth. I think couples who want to have kids should be made to screen for any hereditary recessive genetic diseases before they plan to have a child so they can know if they're kid is going to be disabled. Possibly people should have to have in the womb embryo testing as well to see if theyre child has any genetic diseases. I think people should be discouraged from having lots of children especially those without the means to provide for them. however if people do decide to have kids I think the provision for parenting should be a lot. 2+ years of paid maternity leave. free parenting lessons, support as much as possible the needs of the child and mother in the critical early bonding years. Ban all Child beauty pageants including trans ones (like france has done). I don't think childen can legally consent to hormone replacement drugs. Ban Gay conversion therapy. I think the age of criminal responsibility should be raised should be raised to about 14. I think there are arguments to lower the age of consent in the UK to 15.
Euthanasia
legalise child euthanasia (like belgium and the netherlands https://en.wikipedia.org/wiki/Groningen_Protocol). Legalise normal euthanasia for people of any age as well.
the environment
Library of things/Repair cafes in towns and cities to be able to more easily repairs good or not have to buy in the first place.
Ban or curtail the sale of bottled war. Install more water fountains and public bathrooms instead.
Government subsidy scheme to better insulate homes across country.
More extensive use of nuclear fission energy for electric generation.
Large scale food waste reclamation for Compost or animal feed.
Subsidy for Ground source heat pumps for poor households
Subsidy for Thermal exchangers in home for poor households
Make planned obselescene illegal. Make right to repair legally mandated.
simplify the amount and types of plastic products to make it easier to recycle goods. Ban non recyclable plastics from being used in single use items.
Ban paper junk mail and possibly free newspapers.
Make products label their expected lifetime (from average use) so consumer knows what a good long lasting product is. For large electric goods perhaps put a minimum expected lifespan for it to be sold in the UK.
I think you could legislate to make products illegal from rainforests or unsustainable harvested forest (palm oil specifically)
Tax loopholes
make all gift-aid illegal, make art donations as tax write off illegal, donations to think tanks,charities illegal as tax write-offs,
currently if you live outside the UK for more than 6 months you don't pay any income tax. I think the amount of income tax you pay should be proportionate for how long you spend in country with a bare minimum of 20% (estimate).
Make shell companies illegal so large multinationals can't escape to tax havens and not pay corporations tax. If they don't ban them from trading in the UK. This may need to be done in a coalition of states working together.
education
repeal Blair era education legislation that created needless hoops and paper work for teachers. repeal new laws that teachers can you sources from anti-capitalist, anti-democratic sources etc. repeal the Gove/Cameron legislation that made schools behave like businesses. The point of school is for the kds to work hard and earn qualifications not the teacher. It is an inherently discriminatory system. allow at GCSE much more education in technical qualifications. e.g. bricklaying, carpentry, electricians etc, machine work. I don't think they need to start at 16 or above. I think theres an argument that children should be able to leave school at 16. Some of the courses they do are pointless. Apprenticeship pay is so low that in the short term it makes more sense to get a minimum wage job. Atleast make apprenticeship pay in line with minimum wage to incentivise it rather than literally force kids to be extremely cheap labour.
self defense
I think it should be legal to carry around pepper spray, mace or stun gun. The criminals already have weapons. Why not decriminalise the ability for an individual to defend themselves especially women. Free female self defence classes.
BBC
release all BBC created media onto the Iplayer. The British Tax payer paid for it. Why shouldn't they be able to access it. Perhaps make a BBC iplayer app to host it all for foreigners to use and pay for like Netflix.
business
Make corporations who sell goods in the UK prove that they don't come from slave/child labour. If they don't then they can't sell that product in the UK. Ban or reclassify Multi Level Marketting companies as Ponzi Schemes. Label Scientology as a cult (like germany has). Regulate detox tea and supplements like any other medicine/pharmaceutical. one day a year allow any to search for a named person and see what their salary is (norway does this).
Government
Ban former MPs from ever holding any business position once they retire. Make them divest all their business interests before being an MP. Make their spouses and children's company's to ever recieve state money or have a job in a state enterprise. Same goes for Generals/Civil Servants. Spread of Governemnt facilites from London to other cities e.g. does any every ministry need to be in London? Pay HMRC accountants/auditors much more than they a company would so they tell the government the loopholes companies use to not pay tax. make it Financially rewarding to be ethical.
VAT
remove VAT for resold,recycled products, upcycled products, products that are good the planet (re-chargeable batteries, battery chargers). effectively rebrand VAT as a carbon tax. completely remove VAT on sanitary products, all energy efficiency/saving products.
Voting
like Australia make it mandatory to go to the polling booth.
University
make universities offer their humanities subjects as online only option so that people can do their degree from anywhere and not necessarily in the expensive university town. the course would be cheaper. Make foreign students pay for their healthcare when they are here. Give less money to unis with more beneficiarys (e.g. red brick unis). They already have so many endowments they don't need as much from the state. Foreigns students can't work at all while studying here.
Tourism
make foreigners pay to get into British Museums especially the big ones in london. I realise this may be cost prohibitive for smaller Museums.
Housing
change the rental legislation that tenants can legally not pay full rent if a landlord hasn't done repairs to the standard of the property when the renter moved in.
No foreigner can own more than 2 homes in the UK (in thailand you can't own any property unless you're thai)
Cap the number of a properties anyone can own. especially for buy to let landlords.
If a house has sat vacant for too long it has to be put on the market as a competitive price.
rent control for a property inline with inflation for renters.
houses cannot be treated as an investment where it doesn't matter if its occupied or not. a roof over ones head is a right.
Homelessness
expand the access to homeless shelters. the best way to stop human and sex trafficking as well hard drug use to is stop homelessness.
migratory farm workers
ban migratory farm workers in the UK. there are thousands of Uni, GCSE, college and A level students who have months off school in the picking season. Why not get them to pick fruit and vegetables? same thing goes for homeless people. Get them all to pick fruit and veg.
littering & dog tax
small tax on having a dog to pay for dog park maintenance, dog bins, etc. small tax on single use packaging to pay for more Bins on high street, bins to be emptied more regularly to reduce littering. Same small tax on tobacco for cigarette butt bins.
These are all my ideas. Please critique them.

is it illegal to gamble in your own home australia video

Additionally, if the illegal gaming in question is hosted outside Australia, ACMA contacts the Internet Service Provider, or ISP, to deal with the issue according to their policies. IGA is the result of the government trying to enforce responsible gaming, and curb the gambling problem. But operating online poker sites in Australia is illegal. It is illegal to provide an online casino to Australian players or provide gambling games for real money. Examples of these games are roulette , baccarat , video poker , blackjack and craps . It is illegal to offer online casino gambling in Australia. Retail Wagering Licensees offer: (i) pari-mutuel (totalisator) betting on racing (thoroughbred, harness and greyhound); and (ii) fixed-odds betting on racing, virtual/simulated racing, sports and other approved events. Online gambling remains strictly illegal in Japan, but casinos can now open in resorts as long as the facilities include entertainment venues, an international conference hall and a hotel. Operators themselves are subject to very strict screening, and the entire process of legalising land-based casino gambling in Japan is expected to be completed during 2018’s Diet session. How to Report Illegal Gambling. For the most part, gambling is regulated by state law, so whether a particular instance of gambling activity is illegal depends on the law in your state. However, online gambling is illegal throughout the... However, local activities such as poker parties in a professional area, underaged gambling with those under the age of 21, dogfights and human fight clubs are normally illegal. Some states may legalize certain activities to support colleges or for local businesses, and it is important to know the difference based on the state. Keeping your home game legal and safe is fairly simple, but it's surprising how many people make mistakes that put their game at risk from both cops and robbers. You will still need to do a little research into your local laws to make sure you're compliant with them, but these simple rules will go a long way toward ensuring your game is both legal and safe. Either way, verifying if you are legally allowed to gamble and whether the activity is considered a criminal offense is very easy and requires just a moment’s research work. While many countries may have not passed laws to make gambling legal, it’s not illegal for you to gamble even though there are no licensed websites in your Internet casinos and sportsbooks have grown immensely in popularity over the past several years. From playing cards to betting on the Super Bowl to playing roulette, you can literally have Las Vegas in the comfort of your own home. However, is it legal to gamble online? In short, offering most forms of online gambling in Australia is illegal per the Interactive Gambling Act 2001 and the Interactive Gambling Bill of 2016. The Interactive Gambling Bill of 2016 was Australia’s latest attempt at blocking the loopholes operators took advantage of in the Interactive Gambling Act 2001.

Australian Gambling Laws | Online Gambling Guide in Australia

is it illegal to gamble in your own home australia

is it illegal to gamble in your own home australia - win

How To Value A Stock (From Someone Who Has Beaten The S&P Almost Every Year Since 2008)

Islam appears as if it ways made up by Primitive, medieval Arabs who didn't know anything about the world outside from their local area nor had interactions with a divine being.

Islam appears as if it ways made up by Primitive, medieval Arabs who didn't know anything about the world outside from their local area nor had interactions with a divine being.

UK conservative opinions on Uk policy ideas (immigration, unions, advertising, electoral reform etc)

My Opinion on Technical Analysis, AMA!

+60,000+ Legends!

Hello Everyone!

Firstly, we just ticked over 60,000 footy fans in AFL!

We thank you all for being so welcoming to all our newcomers. And we also thank you for being all so resilient in such troublesome times. We all know that everyone is going through some serious stuff right now in the world and you have all been so supportive of each other.

1. AFL Users Prohibited Contact

1.1. Do not be a Dickhead.

1.2. Charging Opposition Player / No Ad Hominem attacks

1.3. Contact Below The Knees / Do not Injury Cheer

1.4 Too Many Men on Field / Alt accounts may be banned

1.5 Illegal Shepherd / Refrain from Discussion on Politics & Religion

1.6. You Need to Calm Down / Keep Reddiquette in mind

1.7 Yanio, Yknow? / Rumours must be from known personas or media outlets.

2. AFL Content Provisions

2.4. Do Not Spam Our Subreddit.

2.2 Low Effort Content May Be Removed.

2.1 Do Not Post Streams/Downloads

2.3 RTFFAQM!

2.6. No Submissions Related To Gambling.

2.7. Highlight and other AFL videos must be of high quality and from reputable websites.

Keep staying awesome, please stay safe and enjoy the 20 days of footy!

UK Labour opinions on UK policy ideas (immigration, unions, advertising, electoral reform etc)

UK Labour opinions on Uk policy ideas (immigration, unions, advertising, electoral reform etc)

is it illegal to gamble in your own home australia video

is it illegal to gamble in your own home australia top