Some of you may know me from my previous posts, many of which are among the most upvoted of all time on this subreddit. Just kidding, I’ve never posted here. I’m coming up on day 70 of SR and I figured I would make a post detailing what I’ve discovered.
Introduction
I began whacking off when I was 12. The negative effects were immediate. I went from a popular and liked individual to a member of the untouchable class. Never knew what caused that. Now I do.
At 13, I started working as a blackhat internet marketer. In other words, I was a scammer or con artist. I had immediate success and became “kid rich” in high school. From there, I continued ripping people off until I was 24. (You can read about all of my various scams and schemes in a 255-page book I wrote about my life, and how I changed my life, here. It's free.)
And we're back. Along the way, I became a drug addict. At 14, I discovered weed. At 16, I discovered psychedelics. At 17, I discovered MDMA and other stimulants. My home life sucked (divorced and depressed parents), so I dove straight into the world of drugs.
Overall, from the time I became a teenager, my life revolved around drugs, video games, and scamming people. I also whacked off very generously, considering it to be normal and healthy. I thought it was a waste product. Not an uncommon story.
Accidentally Discovering SR
About a year ago, I hit rock bottom, which you will read about if you decide to read my book. In essence, I was completely broke and living at home, with no friends, and my girlfriend had just dumped me. Coincidentally, I was also whacking off a ton during this time. Go figure.
A string of wild synchronicities led me to read the book Outwitting the Devil by Napoleon Hill. Think and Grow Rich was the catalyst that led me to get “kid rich” in high school, so I basically just followed Mr. Hill’s recommendations on how to outwit the devil to the letter… and it worked. I became genuinely happy for the first time in my life. I was crying tears of joy every morning when I woke up.
Frankly, at the time, I was not convinced that lust was a bad thing, because getting attention from women made me feel so good. Still, since the rest of the formula for outwitting the devil was working so well, I decided to completely repress my lust. I even managed to quit drugs under the guise of considering them to be gluttonous.
Life was good. The results were unbelievable. I moved to a new city. After being antisocial my entire life, people were going out of their ways to converse with me. I had tons of friends. Very attractive women were going out of their way to make themselves known to me. I didn’t know what on earth was happening, but my life was better than it had even been before, despite the fact that I was more broke than I had ever been before. Turns out money doesn't equal happiness. Who knew?
After about two months of completely repressing my lust, I decided to have sex. With all of this new attention from women, my lust then spiraled out of control. Repression doesn’t work. Knowledge is the key. Knowledge allows you to want to retain. At the time, I had the belief, but not the knowledge behind the belief, which inevitably led to a lack of faith.
Fast forward a couple months and I was back to where I was before: scamming, doing drugs, etc. Lust truly is the root of all sin. Lose control of your lust and you’re probably going to lose control of the rest of your life to some extent.
Whoops
I once again hit rock bottom in October 2020. I took a big gamble on a big adventure, and it failed. In fact, I came within a minute or two of certain death, and my plans were ruined. Now, I had $300 to my name, no car, no housing situation, and no more possessions than I could fit into a large backpack.
I crashed at a friend’s house and spent two months mostly moping around. At the end of November 2020, I read a random Reddit linking to montalk dot net and had a bout of gnosis.
Here is where things get interesting.
Randomly, I messaged a random Reddit user, and he linked me to The Practice of Brahmacharya. I was sold. I started doing SR, controlling my passion, and being careful to remember that pleasure comes but never stays, the human body is only clay, and everything will pass away. This was the knowledge I needed to WANT to control my lust. Before, after reading Outwitting the Devil, I was doing it almost against my will.
Results
Magnetism. The point of SR, to me, is not to attract women. But there’s no doubt that doing SR will attract women. In fact, it will attract everything and everyone. But the attraction is mostly mental. People subconsciously sense your high vibration and they look at it curiously. You’ll get a lot of love, but also a lot of hate if people are comfortable enough to confront you. Your thoughts begin to influence reality more than ever before.
Invisibility. This is mostly a joke, but I swear it’s real. When you’re vibrating at a very high level, you become invisible to others. Not literally. But I’ll give you an example. I’m walking down this road and the air is completely still. Two women are approaching, gossiping in a negative tone. As they pass, I say hello. They jump, completely startled, and looked at me as if I had just appeared out of nowhere. I was in their field of vision for, like, a minute. They should have noticed me. This has happened a couple times. I’m aware this bullet contradicts the previous one.
Calm. I used to be an explosively angry person. In fact, I used to get violent fantasies. I used to really hate the sheep. I didn’t understand how they couldn’t see through the lies! May as well exploit them. Now, I love the sheep, even though they still chirp at me occasionally, especially with all of this asinine /\/\@$K usage. (I’ve taken a hardline stance and will not put one on for even a second. Since I’m still self-employed as a copywriter, it’s possible to do since my workplace (read: bedroom) doesn’t require it. I’d recommend doing the same if you are sick of the bullshit. We need your help.)
Ability to disconnect emotion from thoughts. Emotions come and go. The error is when you let external influences affect your thoughts. There will be times when you are tense or sad. For example, it’s hard to feel totally good emotionally if you are tired. In the past, I let these emotions go straight into my neural network, which would lead to entire days full of bad emotions, which I masked with drugs. Now, I relax into the emotions, meditate on them, and they pass quickly. I usually learn something in the process. The thought of being able to control my emotions without drugs is awesome.
Ability to heal trauma. If you are not powered by your semen (lol), you’re not as strong and solid as you could be. This makes it nearly impossible to face the trauma of your past, before you woke up. Now that I have healed my trauma, at least to an extent, my life is just wonderful. I’m a complete stranger to my past scammer self, which is fantastic. IMO, the point of life is to realize your trauma, heal it, then link up with the Holy Ghost, Sophia, and help others heal theirs, too. If you’re doing SR but still not loving life, consider reflecting on uncomfortable moments from your past. Don’t repress them, just like you don’t repress your lust.
Loving life, man. If you ignore the ethics of my blackhat marketing, I was always rich in comparison to my peers, and I barely worked. I was also pretty jacked. I happened to be born with a conventionally attractive face and am quite tall. Despite these intrinsic advantages, life always sucked. Now, life always rocks, no matter what is happening. Do I still get down sometimes? Sure. You can’t feel euphoric always. But now I realize that stumbling blocks are part of the equation, and I take them in stride. I get excited for bad moments because I realize I’m about to learn something big which will make my life even better in the long run.
Difficulties / Relapse
I have not yet physically relapsed. But I have definitely let my mental state get out of control before, to the tune of looking at Instagram models, etc. This has happened twice. It SUCKED! Felt crappy for days afterwards.
When I feel it bubbling up nowadays, I take a deep breath straight into my cranium and hold it for a few seconds. It dissipates. I also channel it into my third eye if it’s a lesser urge and I feel like I can actively control it. Learned these two tricks from posters on here.
If I'm out in public, I straight up look away. I never really looked, considering it to be disrespectful. But man, don't feel bad about looking off to the side if there's an attractive woman walking in front of you.
IMO, the mental leads to the physical, and not the other way around. It’s the same as any other addiction. You can’t physically force yourself to stop if you don’t want to stop, because your mind controls your body. So, work on your mind instead of putting all of this effort into repression. Books can provide the knowledge you need to want to stop. Once you want to stop, it’s easy to do so.
Summary
As far as other aspects of my life go, the past two months have been a wild ride, as I’ve healed an absolutely massive amount of trauma in that time. One night, I did the karma meditation on ascensionhelp dot com and ended up screaming at the top of my lungs for two hours, uncontrollably, almost involuntarily. Scamming people for a decade, then realizing all of that karma in a short span of time, will do that to you!
This post has been all over the place, but I just wanted to let everyone know that SR is a very key part to living a good life. Better financial circumstances? SR can help with that. You want peace? SR. Happiness? SR. You want to stop scamming people, even though you’re damn good at it, it’s easy, and there’s no one to stop you? SR. (Side note: I did get sued by Perkins Coie when I was 17 due to one of my early scams, and I was also visited by a 3-letter agency for a particularly illegal scam, but nothing ever came of either of those instances. I’d like to say I talked my way out of them, which I did, but looking back, it was blatant intervention from my Higher Self which allowed me to talk my way out of them in the first place. Thanks, dude!)
SR is not the end-all-be-all to success in your chosen realm, but damn does it ever help. I really like this community because you guys understand the physical, but a lot of you are well-versed in the metaphysical realm too. If you want to do SR to get ahead in the physical world, that’s cool, but understand that the real power of SR is allowing yourself to access the metaphysical and spiritual concepts of this world that are hidden to the masses. Many posters here can give me a run for my money, which I very rarely experience in real life. Peace!
EDIT: Turns out I can't reply to comments on this post since I have no less than 25 karma on here. To u/UniqueUsername203: Fair question. This is an epic trollzor account, minus this post. I've had to branch outside of poker since I'm banned there for 30 days. If I really wanted to scam people again, I know of better avenues than spamming and pretending to be a girl, though I did that in an automated fashion circa 2010. Didn't work that well, only made like $20 - $40 per week and it was weird as fuck (even though I never directly talked to any of my victims).

Dear Reddit. I have started writing a book of short stories about my life as a hobo. True to my nature of blowing money faster than it came, or blowing the opportunity of even making it, I love you assholes and will let you read the book for free as I write it from the beginning. Enjoy

Chapter One: Bozeman or Bust (lots of bust)
I had done it once again, like so many other years before, by traveling north to one of the harshest and coldest states that a hobo could possibly go to during the dead of winter, late-January 2021: Mon-fucking-tana. Or as the locals jokingly say, "Montucky". (edit: Shout-out to Montucky Cold Snacks, the cheap horse-piss watered down beer that is Montana's equivalent of Washington's "Rainier Ale" or Oregon's "Session Lager"). I digress.
If I was a goose, I'd surely be the Jonathan Livingston Seagull of the flock…the black sheep shitshow of a goose flying in the completely wrong direction at the worst time of the year. As forementioned, this was not the first time, nor second time, that I've done this. In fact, it's become a habit, if not straight-up routine.
Laramie, Wyoming circa November 2016. Glendive, Montana circa January 2015 Minot, North Dakota circa January 2014. Yukon, Canada circa November 2013. Bellingham, Washington circa January 2006. The list goes on, and on, and on…
And here I am. Bozeman Fucking Montana, circa January-February 2021. The locals say it's an unusually warm winter, which by Montana's standards might include 5 inches of snow in the afternoon and temperatures dropping below 10F degrees at night. However, according to the high standards of a low-class hobo born and raised on the Gulf Coast of Alabama, this weather is colder than a witches tit.
Now, that's not to say that I ain't prepared though. I assure you that I am. Sixteen years of living on the road and rails has made this black goose a well-seasoned bird, with all the trimmings. I have a military sleeping bag that can keep me alive down to negative 30 temperatures. My military backpack is waterproof, and so are the snowboarding pants that I wear under my insulated Carharrt overalls. I have alpaca wool thermal pants, merino wool socks, thermolite waterproof boots, thinsulated gloves, and several wool and polyster beanie hats. My dual-layer mountaineering tent can withstand hurricane-force winds and all the snow that a blizzard can muster.
Winter? Montana? Bring it bitch. Hit me with your best shot. You know I like it. wink
Sigh. However, DESPITE the freezing temperatures and shit tons of snow, there's a lil secret that I've learned during my many years of traveling, and that secret is certainly DUE to these wintery conditions: Jobs! Lots and lots and lots and lots of jobs! Jobs here, jobs there, jobs every-fucking-where. Hotel jobs, restaurant jobs, retail jobs, construction jobs, maintenance jobs, driving jobs, even jobs just to help other people get more damn jobs!
You want a job during winter? Well they got jobs out northern Californie way, Oregonie way, Montanie way, Washingtonie way, North and South Dakotie way, and every which way can go above above the Mason-Dixon line!
If you can't find a damn job in the Northwestern United States of America during winter, you ain't fucking looking, and that's a fact. If you got one arm and you can swing a hammer, or punch a number on a cash register, then consider yourself hired on the spot and you can start today.
Before this chapter turns into an entire damn book of its own (A Hobo's Guide to Finding Jobs) let's get back to the story here: Bozeman or Bust.
As I begin this chapter, I have a red-wine hangover that is enough to drive me to a bullet in the head. I made a pot of coffee only to puke it back up on my hands and knees in front the porcelain thrown. I think it was good ole Earnest Hemingway that once said "Write Drunk, Edit Sober". Experienced words of wisdom from a fine man that knew everything a man could possibly know about drinking shit tons of wine and writing shit tons of stories. I wouldn't be lying if I was to confess that Mr. Hemingway, along with Mr. Steinbeck and Mr. Twain, are drunken heroes of mine that I could only hope someday to sit alongside in the bookstores of Hell and Hades with a gallon of cheap Merlot. Salut, gentleman.
After puking, rolling cigarettes, drinking coffee, and puking several times more, I was finally able to sit down to try and remember what-the-fuck happened yesterday; a solemn meditation technique that involves tons of coffee and contemplation; a time to worship the asinine achievements that are accompanied in both rejoice and regret.
Yesterday started off sober as a saint. I had a job interview at this place I had found on craigslist, some place looking for fresh warm bodies to fill up their production-assembly line. I took a bus to the address they had given me, which ended up being the adress to the Bozeman City Bank.
"A bank?", I thought, as I wondered around the parking lot dumbfounded and confused for a solid 5 minutes, checking the address several times on my phone, wondering why on earth I've been sent to a state bank. After circling the parking lot, I noticed a door on the side of the bank that said "Job Choices Employment Services: Second Floor".
Godammit. I had been fucking conned. Fucking craigslist. I know what's going on here…this a goddamn employment agency that wants to take 10-15 percent of my paycheck, take away my rights to healthcare and benefits, in the so-called promise of finding me a "great career path of opportunity".
Employment agencies. Just like rats. The only "opportunity" here was them: Creatures of opportunity, parasites hellbent on scavaging peoples money and benefits. "A not-even-close-to-great career path of 9-5 slave-labor bullshit involving years of suckling away your mind, body, and spirit", the sign on the door should have read.
This was definitely a mistake. And anyone that has ever had the unfortunate pleasure of being with me can you tell one thing about me: I fucking love mistakes. I love making them, and I love learning from them. I am a walking-talking connoisseur of mistakes. In fact, I just made a mistake trying to spell connoisseur, so I asked Google "Hey Google, spell connoisseur", and due to lack of interpreting my Alabama accent, Google made the mistake of showing me the word Coitus. I have now learned that the word "coitus" is another word for sex. As a writer and the son of an English teacher, I love learning new words. As a human male, I love sex. So learning a new word for "sex" is a fantastic trade-off for that fortunate mistake!
I digress.
I decided to walk into the bank, up the stairs to the second floor, and down the hall to the employment agency. A well-dressed and very sexy debutant by the name of Tracy stood up and greeted me with a smile that was formal, professional, and admittedly very sexy.
While my dirty mind started playing cheap porn music, along with vivid images of me and Tracy wrecking that office like wild alleycats, I was suddenly snapped back into reality with Tracy's sexy voice, saying:
"Hey, you must be Mr. Huck! Are you here for the 3:00 o'clock interview? Could you please start by filling out this application? You can have a seat over at the desk here"…
Godammit. This employment agency was GOOD. I was Tracy's submissive little slut. I walked right where Tracy told me to walk, sat right in the chair Tracy pulled out for me to sit in, and I started filling out the application with the ballpoint pen that Tracy had somehow put in my hand without me even realizing it. Tracy could have stolen my wallet and the 11 dollars inside of it as well, had she wanted to, and I wouldn't have even noticed. And even if I had noticed, I would have let her do it anyway. Godammit!
As I started to fill out the application, I got to the section I dreaded most: job references. Oh boy…allow me to tell you a little about Huck's references, or lacktherof:
At my last job, I was fired because of a fight that broke-out between my ex-girlfriend and myself, which began with lots of shouting and shoving, and ended with me getting a black-eye from being punched in the face twice. Fun fact: Italian women are fiery as they are fierce, and bold as they are beautiful. And just like their male Italian counterparts, such as Sylvester Stalone or Al Capone, they know how to land a solid right jab. This fight erupted in the worker's dormitory for all employees to hear and see. And although I was the one with the swollen black eye, I was the one they decided to fire. C'est la vie, such is life. Que sera sera, it be what it fucking be.
We can scratch that job off as a reference, without a doubt.
The job before that, I was at a marijuana farm called "Great American Cannabis", in which my managers and co-workers tried to recruit me into a far-right group of sexist and racist baboons called "The Proud Boys".
There was a pre-determining factor in why that farm had hired me, and assumed I would be interested in their idealogical gang. That pre-determing factor was the very same factor that led Google to teaching me the wrong word and definition: my Alabama accent.
Great American Cannabis had hired me based on a phone interview, in which they assumed my southern accent indicated two things, in which case one of their assumptions was right, and one was wrong:
Assumption Numero Uno: Huck has an Alabama accent, which therefore indicates that he has years of experience working on farms, growing plants, and being an honest and hard-worker.
Assumption Numero Dos: Huck has an Alabama accent, therefore he must be idealogically aligned with far-right beliefs including sexism and racism.
Welp, I am proud to say that even that although a 50% winning percentage may be fine and dandy with gambling in Vegas, and can be seen as half full or half empty based on however optimisitic or pessimistic you might be, in the case of Great American Cannabis and The Proud Boys, those odds ended pretty badly.
As it turns out, despite being raised by a racist father and surrounded by bigotry in the not-so-sweet home of Alabama, those very dispositions made this black sheep child rebel from such ass-backward beliefs, and I am staunchly pro-civil rights, which means I am pro-immigration, and a proud supporter of the sufferage movement for womens right.
Obviously, that did not go very well with my co-workers at the farm, and I was fired within the first month. But wait, theres more tragic humor to the story of this farm, which I'll organize in two keypoints:
Keypoint Numero Uno: The farm was owned by Iranian immigrants. I…shit…you…not. That's right. YOU DID READ THAT CORRECTLY. Not only was the farm owned and managed by a minority group of immigrants, those very immigrants came directly from the very country is at the VERY TOP of White-America's shitlist: Iran.
Keypoint Numeros Dos: After I was fired based almost entirely according to my leftist and progressive views on race and gender equality, within just a couple of weeks nearly everybody on the farm was fired and replaced by cheaper immigrant labor in the form of Laotian women. That's right…a white-blooded American-born legal-working male, was replaced by brown-blooded, foreign-born, mostly-illegal-working females, on a farm owned and managed by right-wing racists and sexists that were anti-immigration. Once again, I…shit…you…fucking…not...let THAT shit sink in.
I literally cannot make this shit up, and let it be forever proof that reality, however tragic or ironic it may be, is far greater than fiction. You can write that last sentence in a letter, shove that puppy in an envelope, slap that bitch with a stamp, and mail it to the fucking MOON. Or you can mail it to Iran, or Laos, whichever you prefer.
However, I digress.
So, being that I was fired from Great American Cannabis by a bunch of Iranian Proud Boys, you can scratch that job off of the "reference" list as well. Sigh.
So, how about the job before that? Well, that's a hell of a story too, but I'll make it quick and cut shorter to the chase:
I worked on a fishing boat for a Mormon captain. Although I loved him like a Dad, and he often treated me like a son, my job ended in these words:
"Huck, I really like you. You're one of the hardest working deckhands I've ever had, despite it being a very terrible year for fishing. However, as a man that is a Latter Day Saint of God, as a Mormon, I'm going to have to ask you to leave because of three reasons:
1) You smoke cigarettes, marijuana, and drink alcohol and coffee.
2) You curse worse than a sailor.
3) You are an atheist/agnostic."
And in case you, the reader did not know: Mormons HATE cigarettes, marijuana, alcohol, AND coffee. They are forbidden to curse, and they are not even allowed to tolerate the company of anyone that isn't a believer in God.
Well Godammit. How in the hell am I so goddamn misfortunate and unlucky, to be the must FIRST FUCKING PERSON in the entire HISTORY OF FISHING, that has gotten fired for using curse words and drinking whiskey. I couldn't even absorb the fact that my boss was firing me because I couldn't get over the fact that I was possibly the first sailor or fisherman in all of ocean-faring humanity that had gotten fired for doing what sailors and fisherman are guaranteed and known to do best: drinkin' and cursin'
We can also scratch THAT job off the possible reference list as well.
It was at this point in the office of Job Choices Bozeman that the porn music had long since stopped playing in my head, and that I suddenly and swiftly fell deeply into a full blown existential crisis right there in Tracy's office while simply trying to think of a single reference from my last 3 jobs. The unbelievable amount of misfortune, tragedy, irony, and utter insanity of my last 3 job experiences had truly started to sink in, and I was beginning to legitimately lose my temporary grasp on sanity along with my faith in humanity altogether in one great, big, sloppy sandwich of existential fucking crisis.
Allow me to self-diagnose this existential crisis sandwich by peeling off some of the layers of this enormous stinking onion that is in the middle of it all: Either that curse that was put on me a few years ago by a Mexican trainhopping gypsy from New Orleans is proof that curses are indeed fucking real, or either I am the unluckiest son of a bitch on this entire planet that is so very unlucky that I am slowly (or quickly) coming to the conclusion that this entire life is a simulation that is programmed by some sick comedic asshole that specializes in the tragedies of both irony AND misfortune. And though some people in this world call that programmer God or Allah or Jehovah, I call him Jeff. I call him "Jeff in Programming", with same amount of disdain and hatred that Michael Scott refers to "Toby in Human Resources" in the American version of the show "The Office".
(Sidenote: If you do not understand my last reference because you have not watched The Office, then you need to stop reading this book right now, go sign up for one month of Netflix, and spend that entire month binge-watching one of the greatest sitcoms ever made in the history of television: The Office (US Version). Go. Now!)
I digress.
As I collapsed into a full-blown existential crisis while thinking of job references on the second floor employment services office above Montana State Bank, my fantasy-based relationship with Tracy was also about to crumble into an existential crisis as well, based on two very important qualities:
Quality Numero Uno: Tracy and I had no relationship that actually existed outside of my head and a stupid job application form. We had never knocked over all of the filing cabinets, water-cooler, or broken the copying machine with tantric sex. That scenario never existed period.
Quality Numeros Dos: I was about to not only lie, but also commit non-existent adultery to Tracy, thus putting a very real end to a not-very-real relationship.
I stood up from the desk that me and Tracy had never fucked on, and I told Tracy that I had to use the bathroom. And though I did really have to use the bathroom, it wasn't for the purpose of pissing or taking a shit, it was for the purpose of throwing the application in the toilet and sneaking my way down the hallway and out of the employment agency. In which case, that is precisely what I did.
Upon stepping out of the door and back into the parking lot of Bozeman City Bank, I noticed another hot little woman across the street: A dazzling red-headed freckle-faced damsel by the name of Wendy, who promised in her fertile bosom the birth of two-dollar cheeseburgers and loaded baked potatoes. I went inside Wendy's house, and began to have an oral relationship by penetrating my mouth with nearly everything that was offered on Wendy's dollar-value menu.
Stop here, acquire coffee, booze, and cigarettes until I feel like writing again, which may be later tonight, tomorrow morning, or possibly fucking never

Where do we go? A post on our choices and options in a post-robberhood world. Alternatives and other platforms. Let’s migrate to different apps.

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

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

Stop the Toxic Masculinity Culture in NS

Feb/4/2021: (1) Armenia will grow weed (2) Colonel charged w/bribery & tampering w/draft during war (3) Education reform: grading, curriculum, preschool (4) Bill: treason, disability ranking, media (5) Diplomacy (6) Rumors & rebuttals (7) Cancer stats & free treatment (8) $750M bond (9) in-out stats

Your 14-minute Thursday report in 3497 words. Part 1.

anti-corruption: Defense Ministry official busted with bribery & tampering with draft during war

NSS report says: a Colonel, who had oversight over subdivisions, received a ֏975K bribe from a conscript to transfer him to another location on Sep-13-2020. Part of the bribe was transferred to his online gambling account.
When the war began, a draft was declared and recruits began training at a location in Armenia. The Colonel took a ֏1.2M bribe from a soldier in exchange for not sending him to the front lines.
During the winter draft, the Colonel took a ֏5.2M bribe from another conscript and used his connections to send him to the desired service location. A similar ֏1M bribe was requested on January 6th from another recruit.
The Colonel took another ֏1.4M bribe to help promote a conscript and allow him to work at a hospital instead of regular service.
On October 22nd, during the war, the Colonel decided to help a friend move from bordering Khndzoresk (Syunik) hospital back to Yerevan. As a result, the clinic became understaffed and couldn't fulfill its duties. Moreover, the Colonel then helped the same friend not to be deployed on Syunik borders as a soldier and instead to handle tasks in the rear, on October 26th, in exchange for a ֏300K bribe.
On October 13th, during the war, the Colonel and his accomplices wanted to help a soldier to leave Artsakh. When they learned that the latter was already on the "deserted" list, they took steps to remove him from the list.
Then, he learned that his friends' sons received a draft notice, and use his connections to remove them from the draft list.
After the war, on Dec-13, a friend asked the Colonel to make sure that his son, who was serving in Lusakert, wasn't sent to the front lines. The Colonel contacted the Lusakert facility but learned that the soldier was not among those who were supposed to be sent to the front lines. Nonetheless, the Colonel decided to defraud his friend by claiming that "he took care of it", and received a ֏200K bribe.
The colonel and over a dozen others were arrested. Illegal weapons were found under their possession. The investigation continues to expose other possible suspects.
https://youtu.be/ifo13WJLpsU
https://armenpress.am/arm/news/1042334.html

bill: harsher punishment for treason, spying, espionage

BHK MPs drafted a bill to increase punishment for traitors, spies, passing of state secrets. They want to raise the maximum punishment from 15 years to 20-life. The authors explained the move by citing many media reports about alleged "treason" incidents.
The bill was discussed at a relevant Parliamentary committee. The chairman QP MP Vladimir said he supports life imprisonment as the minimum punishment. However, during the discussion, they agreed to settle on 15-20 years plus property confiscation, or a life sentence.
The committee found the espionage punishment too harsh and asked the bill author to reduce it from 15 to 12 years. The BHK author agreed.
The bill was approved unanimously and will be debated/voted on the Parliament floor later.
https://armenpress.am/arm/news/1042354.html

Jalal is back with another position

The wounded ex-Artsakh army commander Jalal Harutyunyan will serve as the Republic of Armenia's Defense Ministry's Head of the Military Control Service. He will replace General Movses Mosi Hakobyan who quit on November 18th.
https://armenpress.am/arm/news/1042353.html

Russian-Turkish ceasefire monitoring group begins operations

Russian troops are using ORLAN-10 and FORPOST drones to monitor Am-AZ troop locations and movements.
https://youtu.be/ToSLqUDj6OE
https://factor.am/335089.html

ECHR received Armenia's complaint against Azerbaijan regarding 228 POWs / Azeris counter-claim for 13 POWs

Armenian families submitted a petition to ECHR to require Azerbaijan to provide information regarding 228 individuals. Azeris want to know data about 13 people.
(From the language it is unclear to me whether the petition is for confirmed POWs, or it also includes families of missing soldiers who want to know whether their relatives are POWs. Likely the former.)
https://armenpress.am/arm/news/1042406.html

Red Cross visited 4 Armenian POWs in Azerbaijan

They were able to establish contact with families.
https://armenpress.am/arm/news/1042428.html

Russia expects UNESCO to soon visit Armenian monuments that went under Azeri control

https://factor.am/335437.html

Russia removed tomato import ban on 13 Armenian firms

Russian regulator will allow 13 Armenian sellers to export tomato and pepper to Russia again after earlier finding a food virus in them. A similar ban was implemented against Azeri tomatoes.
https://armenpress.am/arm/news/1042433.html

US Congressman demands an explanation from the US ambassador to Azerbaijan over "congratulatory" statement

Rep. Bred Sherman wants to know why the US ambassador to Azerbaijan Lee Litzenberger congratulated Azerbaijan's Economy Minister with "de-occupying territories and US's willingness to aid Azerbaijan with rebuilding those territories". He reminded the US officials that the US is a member of the Minsk Group and should take steps to ensure Artsakh's safety and prevention of a new war.
Bred Sherman praised Biden's appointee Anthony Blinken for stating that the US will review its military assistance to Azerbaijan after the latest war in Artsakh.
Artsakh MFA yesterday released a statement urging countries, officials, and organizations to refrain from such "congratulatory" statements.
https://armenpress.am/arm/news/1042370.html

de-occupy Hadrut NGO

... aims to help 13,500 Hadrut residents who lost their homes during the war. It was founded during the war by activists who held protests in front of various embassies. In the early days, they received aid from President Sarkissian's office. The latter gave shelter to 25 families.
Today the NGO aims to help refugees with employment, while simultaneously lobbying for Minsk Group to de-occupy Hadrut so residents can return. "I hope that one day our NGO will shut down because Hadrut is no longer occupied," said co-founder Meri Davtyan.
https://armenpress.am/arm/news/1042286.html

govt session: financial aid for Syunik border villagers

The government approved a new aid package for residents of Syunik's Shurnukh and Vorotan villagers. Those who lost their homes will qualify for the same aid package as Artsakh refugees: one-time ֏300K payment plus monthly ֏65K payments for 6 months. There is another pending aid package to build new houses for them.
Context: Two dozen houses in Vorotan and Shurnukh went under Azeri control because they were built on the Azeri side of the internationally-recognized borders.
https://armenpress.am/arm/news/1042362.html

bill: disability ranking to be replaced with degrees of functionality impairment

The government approved a bill, yet to be approved by Parliament, to reform the disability system. The disability assessment process will analyze the person's level of functional impairment while taking into account surrounding conditions.
"Today, the system is run under a 1993 law that does not do a comprehensive assessment of the surrounding environment, person's ability to function in public life," says the govt.
The draft bill will repeal the 1-3 Categories and Disabled Child category. A person's functionality impairment degrees will be light, medium, heavy, or deep. Disability will no longer be considered a permanent health problem. The assessment will be based not only on the factor of health problems but also on the environmental factors of the person's activity and participation in public life.
Healthcare and Social Ministries, NGOs, the UN, and the EU worked together to create and test an assessment methodology.
https://armenpress.am/arm/news/1042365.html
Tags: #DisabilityLaw #disabled

bill: require unknown Telegram/Facebook media channel owners identified before "linking" by mass media

QP MPs want to require social media channel operators identified before a "mainstream media" can link to them. It doesn't restrict citing "anonymous sources", however. It also requires outlets to disclose sources of revenues for transparency. Read yesterday's news for context and arguments in favor or against it.. The debate continued today.
QP MP Arthur: For example, a legitimate news organization with an editorial staff of 30 people generates information, holds interviews, etc., while a Telegram channel that we do not know where it is managed from and by whom, begins to disseminate sensationalized information and over time becomes more "legitimate" than real media outlets because media outlets "advertised" them.
This is also a national security risk because it is very possible that such sources are being operated by an adversary country to spread instability and an atmosphere of fear in the country. //
The co-author criticized the critics who "claimed that the bill intends to ban anonymous sources. That's not true. This also won't affect the protection of journalists' source secrecy."
https://armenpress.am/arm/news/1042357.html
If you're interested in more debates:
https://youtu.be/MTHwRa4YjgY , https://youtu.be/ThDNVwZYEp8 , https://youtu.be/S6C_NocS9N0 , https://youtu.be/3_-i2Z23ubI , https://youtu.be/wiPnmfeLNJ8
Tags: #MediaLaw #TelegramLaw #FreeSpeech

rumors and rebuttals: Artsakh army isn't being dissolved

Serj's won-in-law Mishik earlier circulated rumors that were denied by state officials. Today, Kocharyan-ally Vitali Balasanyan, who serves as Artsakh's Security Council chief, confirmed that the army isn't "disintegrating." After the restructuring process, there will be subdivisions with professional contractors, he said.
https://armenpress.am/arm/news/1042344.html

rumors and rebuttals: Azeri flag won't fly over Artsakh govt buildings

Vitalik Balasanyan also denied rumors about Azeri flags being installed on Artsakh govt buildings in Stepanakert.
https://armenpress.am/arm/news/1042344.html

rumors and rebuttals: Azeri families won't resettle in Stenapakert / none are shopping in market

Vitalik Balasanyan said there are false rumors about two districts in Stepanakert being populated by Azeris, and Azeris allegedly freely shopping in Stepanakert market.
"Dear citizens of Artsakh, on behalf of the authorities of the Artsakh Republic, I assure you that despite the irreparable losses inflicted on us as a result of the war, the state is always committed to fulfilling its responsibilities to ensure the security and normal life of the population. Accordingly, I urge you not to pay attention to the false news. Everything is being done to create and expand the necessary conditions for a dignified life of the people of Artsakh."
https://armenpress.am/arm/news/1042344.html

rumors and rebuttals: Artsakh envoy won't stop operating in Russia

The Permanent Representation of the Artsakh Republic in Russia will not be terminated, said the Artsakh govt in response to rumors.
https://armenpress.am/arm/news/1042367.html

rumors and rebuttals: no single currency in EAEU trade bloc

EAEU would like to inform you that you've been misled about alleged plans to establish a single currency among member-states.
https://armenpress.am/arm/news/1042427.html

location "Hollywood, Yerevan, Armenia"

There is a district called Hollywood in Yerevan, Armenia. Gamblers were caught running an underground casino in there. This is the second such bust in the past few months. The police say ֏5.5B in damages was done to the state.
https://youtu.be/sp0Sb--e_ms?t=60
https://factor.am/335320.html

anti-corruption: prosecutors charge education officials with ֏1.2B auction shenanigans

Prosecutors said: State Oversight Committee (SOC) audited the "National Center for Educational Technology" government-affiliated agency's finances between 2013-2020. Every year, the agency submitted a report on the work done by them towards servicing the education system. The bill was ֏700M annually.
It was revealed that between 2012-2015, they granted an auction-based contract to the same company. It received a combined ֏2.8B in funding. The law requires the auction-holding officials to examine the market and take other steps before the auction. They failed to do so.
Later, during 2017-2019, the same company was selected to do the job, but this time it was only paid ֏300-400M annually, far lower than during the previous years.
֏1.2B in damages was done to the state. A felony case is launched.
https://armenpress.am/arm/news/1042389.html

re: Armenia's $750M eurobond sale / lowest % in history / $3B demand by investors / economy news

Read yesterday's news for context.
Pashinyan: The issuance of $750M eurobonds is a strong positive signal for the start of the economic year. The issuance was done under the most favorable conditions in the history of our republic, with the lowest 3.8% percentage rate. Our previous record was in 2019 at 4.2%. The demand was for $3B but we decided to issue only $0.750B.
First, it provides a guarantee of macroeconomic stability. Second, this is the first serious signal of overcoming the post-war economic shock, which shows that international investors have confidence in the economic future of Armenia and the policy pursued by the government. //
Economy Minister Janjughazyan: this was part of our long-term plan and we had planned to do it while drafting the 2021 budget. We planned to issue fewer bonds but decided to add $250M because of favorable terms. We plan to use that extra cash towards the stabilization deposit, as a safety pad, to be used throughout the year if necessary.
As long as our budget has a deficit we will have to borrow. But this is only part of the story; the country's overall debt burden is calculated based on various indicators. So far Armenia has been rated as a country with a lower debt burden.
https://armenpress.am/arm/news/1042351.html, https://armenpress.am/arm/news/1042352.html , https://armenpress.am/arm/news/1042363.html , https://armenpress.am/arm/news/1042393.html

how many people did leave and arrive after reopening air traffic with Russia?

The governments of Armenia and Russian worked on an "app" to allow mutual travel after taking a test. By February 15th, there will be 4-route flights in 2 directions. There were several flights in the past few days.
3900 left and 3400 arrived. 1423 Armenian citizens left and 1263 Armenian citizens arrived. "More people were willing to leave in December than today," noted Diaspora Committee chief Sinanyan.
"Some people flew to Russia but had to return due to a problem. This wasn't due to the COVID app implemented by us. Preliminary data shows that they went to Russia with a paper QP code which raised the suspicion of Russian authorities. We will work with them to resolve this," said Deputy PM Mher. (say what??)
"We need to better inform the public about the existence of this app. Restoring routine flights will help the tourism industry," said PM Pashinyan.
https://armenpress.am/arm/news/1042358.html , https://armenpress.am/arm/news/1042383.html

Pashinyan about the suspended Amulsar gold mining project

He repeated his earlier position that "Decisions must be made that take into account Armenia's best interests."
"The mining industry plays a very important role in the development of Armenia's economy, including in the security context."
"We must make decisions to make investment programs acceptable for the Armenian public while taking into account interests of Republic of Armenia."
https://armenpress.am/arm/news/1042368.html

COVID stats

1829 tested. 147 infected. 352 healed. 11 deaths. 4637 active.
"We're negotiating for vaccines via COVAX global initiative. Separately, we're negotiating with Russia for Sputnik-V. Vaccines should be available in March. It will be targeted at specific groups. It won't be mandatory," said Healthcare Minister Avanesyan.
https://armenpress.am/arm/news/1042341.html , https://youtu.be/vXz3pHx1BlM?t=92

the consumer market price increase in the past 12 months

Armenia's consumer market inflation was +4.5% from January to January. Food +6.4%. Alcohol & tobacco +10.8%. Clothing +2.6%. Utilities +0.6%. Appliances +5.8%. Healthcare +5.6%. Transport +5.7%. Telecom +0.5%. Leisure & culture -0.8%. Education +2%. Dining +1.6%. Misc +3.5%.
https://armenpress.am/arm/news/1042323.html

Parliament MP stops a citizen's suicide attempt

Someone tried to jump from Kievyan bridge. QP MP Gor Gevorgyan was nearby and stopped the attempt. The police took the distressed person to a station.
https://armenpress.am/arm/news/1042329.html

psychological support will be provided to war participants and the public

Emergency Ministry says 15-30% of people have PTSD after the war. Today the government approved a plan to provide psychological aid to war participants and others. The target group includes families of missing people, POWs and their families, those who received disabilities, families of those who died, those who fought in the war, IDPs, civilians who were affected in any way. The program will work in Armenia and Artsakh.
The government will purchase services from experienced mental health service agencies.
https://armenpress.am/arm/news/1042403.html

Armenia will grow industrial marijuana on mass industrial scale / incentive to boost land utilization

Hemp is a type of weed that contains less of the substance that makes you feel high. The government wants to grow industrial hemp on a mass scale to boost ~~mood~~ land utilization and revenues.
Pashinyan: this is going to open room for many speculations. It's important to present the project in detail so the public will have a full understanding of what is being done. Unfortunately, "hemp" is interpreted as something else, while in reality, it is a very important industrial raw material. The growing process has risks but there are oversight mechanisms that have been tested in many countries.
Deputy PM Avinyan: the US, Russia, and China have a great experience with industrial hemp production. The practice was examined by the Economy Ministry. We're talking about industrial production only. It will significantly activate agricultural land utilization. Today, 40% of lands are gone unused. This is part of our plan to boost the production of high-value agricultural products.
https://youtu.be/ssZgr2DR3DM?t=7
https://www.healthline.com/health/hemp-vs-marijuana#marijuana
https://armenpress.am/arm/news/1042372.html

Education Minister says the "controversial" parts of Church/History merger were "resolved"

Education Ministry wants to merge the school subjects "Armenian Church History" and "Armenian History". Critics said it will shrink the church-related materials too much, others called it treason, while others supported the decision, stating that it's all part of our history and having a separate class is inefficient.
Education Minister Dumanyan says he met colleagues at the National Academy of Sciences and they resolved the conflicts "that caused a noise earlier." He will reveal details soon.
https://armenpress.am/arm/news/1042379.html , https://youtu.be/V0sC3dx-gzU

Major education reforms: "education alone will not solve all problems, but there is no problem that can be solved without an education"

... said PM Pashinyan during a govt session while discussing education reforms. Kids in 1-5 grades will no longer receive grades; tt will be pass or no pass (still needs Parliamentary approval). "There will be a criticism. How can you not grade? But this is a comprehensive program that emphasizes the student's needs and preferences," said Pashinyan.
"We need to pay attention to how the time is spent in schools and what skills are being taught in school hours. It will reflect in our society 15-20 years later. It will define whether we have a technological product or not.
What we were doing in 12 years (school length) can be done within 9 years, but a 9-year school isn't the solution. Instead of shortening the school, we're trying to fill the gap in a way to have a 50% higher efficiency by the end of the 12th year.
In developed countries, education starts not from school but from preschool. The lower the education entry age the more developed the countries are," said Pashinyan. (the govt has a plan to make sure 70% of kids attend preschools by 2023)
https://armenpress.am/arm/news/1042394.html

cancer stats in Armenia / annual rate / drops among children / fewer abandon treatment

world
9.6 million people die from cancer annually. 1/3rd is possible to prevent. Another part can be cured with the help of early detection.
Armenia
Cancer was the 2nd leading cause of death in 2020. It has increased in the past 10 years but at a small rate. Lung cancer is more common among men, and breast cancer among women.
First time diagnosis by year: 2018 - 8762, 2019 - 7908, 2020 - 7050.
Deaths by year: 2018 - 5199, 2019 - 5434. 2020 - unavailable. (55% men, 45% women)
The cancer rate went up by 1.5x compared to 1990. However, it declined by 2x among children under 14yo.
Fewer people abandon treatment. 3 years ago 53% of lung patients did so, today it's 40%. Breast cancer treatment abandonment went from 47% to 22%. (I translated the word բարձիթողության as "abandonment". Correct me if it refers to something else.)
Artsakh
The number of cancer cases has decreased in Artsakh: from 345 to 260 YoY.
prevention
Oncologist Safaryan says the early detection helps to avoid complications and save lives, even if it's the type of cancer that is known to reappear. There are many patients who defeat cancer. "Smokers should get a lung x-ray twice a year. Those working in chemical plants should get a frequent screening. Do not ignore symptoms and չգցել ականջի հետև. You can defeat it more easily when it's at 1-2 stages. It's a lot harder when it advances to 4."
Preventing cancer isn't easy. The causes of this disease are many. Genetics, bad habits, obesity, surrounding environment. A genetic test can reveal the likelihood of suffering from illness. Some women choose to undergo a mastectomy to prevent possible breast cancer in the future.
"I decided that if 1-in-100 is destined to be cured, I will be that one," said Ashkhen, a woman who recently defeated cancer.
More: https://armenpress.am/arm/news/1042291.html , https://armenpress.am/arm/news/1042364.html , https://armenpress.am/arm/news/1042405.html

cancer diagnosis, surgery, and radiotherapy are free

The treatment was made free recently. The Oncology Center urges the public to get screened as part of an early-detection initiative. The pilot program began in Vanadzor; 307 women were screened.
Cancer diagnosis, surgery, and radiotherapy are free, while the medication has a co-payment.
https://armenpress.am/arm/news/1042423.html

today in history

2004: Mike Zuckerberg founded Facebook to steal your SSN
1949: Sri Lanka declares indpendence
https://armenpress.am/arm/news/1042309.html

president meets donor

Artsakh president Arayik met donor Alec Baghdasaryan and thanked him. "Only with the joint efforts of the Armenian people is it possible to quickly overcome the difficulties and to plan development programs." Alec plans more charity programs relating to education.
https://armenpress.am/arm/news/1042326.html

donations to Artsakh & recovering soldiers

www.1000plus.am (recovering soldiers & their families)
www.HimnaDram.org (for Artsakh & Armenia)
www.ArmeniaFund.org (U.S. tax-deductible)

archive of older news

http://www.armeniapedia.org/wiki/Daily_Anti-Corruption_Reports

disclaimer

All the accused are considered innocent unless proven guilty in the court of law, even if they "sound" or "appear" guilty.

Review of Martin Scorsese’s 1995 Casino [A mob movie that has many actors that will go on to be in the Sopranos].

mods please lmk if this violates the rules. i’m posting here because I write about the mob/casino and many relevant themes that are important elements of the Sopranos, in my opinion. I think they’re of the same medium and genre so wanted to post here. Hope that’s alright. Cheers! (11 min read) ————————————————————————
EDIT 2: TL;DR -
Casino is a story of sexual and financial intrigue, mob violence, union pension fund embezzlement, a “love” story, and the protagonist's masochist addiction to the pain and chaos his lover inflicts on him. It turns out that the sharp-minded genius who meticulously runs the casino, is no more rational than the gamblers who routinely frequent the casino, coming back to lose their money and hoping that the odds will magically shift in their favor.
———————-
Every good filmmaker makes the same movie over and over again—Martin Scorsese is no different
Scorsese's Casino is a phenomenal story of the condoned chaos and "legalized robbery" that happens on a daily basis to gamblers who bett away thousands of dollars and return each day for more “FinDom,” but without any of the sexual sadism. The whole scam only persists because the house always wins: the odds are stacked 3 million to one on the slot machines, but the same shmucks return wide-eyed each day hoping for a different outcome, devoid of any rational re-evaluation required to maintain their grasp on reality, and the liquidity of their bank accounts.
Casino is a story of sexual and financial intrigue, mob violence, union pension fund embezzlement, a “love” story, and the protagonist's masochist addiction to the pain and chaos his lover inflicts on him. It turns out that the sharp-minded genius who meticulously runs the casino, is no more rational than the gamblers who routinely frequent the casino, coming back to lose their money and hoping that the odds will magically shift in their favor.
Robert De Niro plays Sam "Ace" Rothstein, recruited by his childhood friend Nick "Nicky" Santorno to help run the Tangiers casino, which is funded by an investment made with the Teamsters’ pension fund. Ace’s job is to keep the bottom line flowing so that the Mafia's skimming operation can continue seamlessly. De Niro's character felt like half-way between Travis from Taxi Driver (of course, nowhere as mentally disturbed) and half of the addictive excess, greed, and eccentric business-mind of Jordan Belfort in The Wolf of Wall Street.
Ace’s attention to detail gives him a rain-man-esque sensibility; his ability to see every scam, trick, hand signal, and maneuver happening on the casino floor make him the perfect manager of the casino, and take his managerial style to authoritarian heights in his pursuit of order and control over what is an inherently unstable and dynamic scheme; betting, hedging outcomes, and walking the line to keep the money flowing and the gamblers coming back. I’m not claiming Ace is autistic, I'm no clinician, but his managerial sensibilities over the daily operations of the casino, from the dealers to the pit bosses, to the shift managers, are to the point of disturbing precision, he has eyes everywhere, and knows how to remove belligerent customers with class and professionalism, but ultimately is short sighted in “reading” the human beings he is in relationship with. Ace is frustratingly naive and gullible in his partnership with Nicky and the threat he poses to him, and in his marriage with Ginger.
Ace has no personal aspirations to extract millions of dollars for himself out of the casino corruption venture. Ace simply wants the casino to operate as efficiently as possible, and he has no qualms about being a pawn of the bosses. While Sam, “the Golden Jew”—as he is called—is the real CEO of the whole enterprise, directing things at Tangiers for the benefit of the bosses “back home.” Ace’s compliance is juxtaposed with Nicky’s outrage upon feeling used: he gripes about how he is in “the trenches” while the bosses sit back and do nothing. Note that none of the activity Nicky engages in outside of the casino—doing the work of “taking Las Vegas over”—is authorized by the bosses. Ultimately Nicky’s inability to exert control over his crew and the street lead to his demise.
In the end, capitalism, and all that happens in the confines of the casino, is nothing but “organized violence.” Sound familiar? The mob has a capitalist structure in its organization and hierarchy: muscle men collect and send money back to the bosses who do not labor tirelessly “in the trenches.” The labor of the collectors is exploited to create the profits of their bosses. The entire business-model of the Mafia is predicated on usury and debtors defaulting on loans for which the repayment is only guaranteed by the threat of violence. But this dynamic is not without its internal contradictions and tensions, as seen in Casino.
In a comedic turn, the skimmers get skimmed! The bosses begin to notice the thinning of the envelopes and lighter and lighter suitcases being brought from the casino to Kansas City, “back home”. The situation continues to spin out of control, but a mid-tier mafioso articulates the careful balance required for the skimming operation to carry on: to keep the skimming operation functioning, the skimmers need to be kept loyal and happy. It’s a price the bosses have to pay to maintain the operation, “leakage” in their terms. Ace’s efficient management and precision in maintaining order within Tangiers is crucial for the money to keep flowing. But Ace’s control over the casino slips more and more as the movie progresses. We see this as the direct result of Nicky’s ascendance as mob kingpin in Vegas, the chaos he creates cannot be contained and disrupts the profits and delicate dynamics that keep the scam running.
Of course I can’t help myself here! We should view Scorsese’s discography, and the many portrayals of capitalist excess not as celebratory fetishization, but a critique of the greed and violence he so masterfully captures on film. See the Wolf of Wall Street for its tale of money as the most dangerous drug of them all, and the alienation—social and political—showcased in Taxi Driver. Scorsese uses the mob as a foil to the casino to attack the supposed monopoly the casino holds on legitimate, legal economic activity that rests on institutionalized theft. When juxtaposed with the logic of organized crime, we begin to see that the two—Ace and Nick—are not so different after all.
The only dividing line between the casino and organized crime is the law. Vegas is a lawless town yes, “the Wild West” as Nicky puts it, but there are laws in Vegas. The corruption of the political establishment and ruling elites is demonstrated when they pressure Ace to re-hire an incompetent employee who he fired for his complicity in a cheating scam or his stupidity in letting the slot machines get rigged; nepotism breeds mediocrity. In the end, Ace’s fall is the result of the rent-seeking behavior that the Vegas ruling class wields to influence the gaming board to not even permit Ace a fair hearing for his gaming license, which would’ve given him the lawful authority to officially run Tangiers. The elites use the political apparatus of the State to resist the new gang in town, the warring faction of mob-affiliated casino capitalists. While the mob’s only weapon to employ is that of violence. The mafia is still subservient to the powers that be within the political and economic establishment of Vegas, and they’re told “this is not your town.”
I’d like to make the most salient claim of this entire review now. Casino is a western film. The frontier of the Wild West is Vegas in this case, where the disorder of the mob wreaks havoc on, an until then, an “untapped market.” The investment scheme that the Teamsters pension fund is exploited for as seed capital, is an attempt to remain in the confines of the law while extracting as much value as possible through illegal and corrupt means for the capitalist class of the mob (and the ultimately dispensable union president). Tangiers exists in the liminal space of condoned economic activity as a legal and otherwise standard casino. While the violence required to maintain the operation, corrupts the legal legitimacy it never fully enjoyed from the beginning. This mirrors the bounty economy of the West and the out-sourcing of the law and the execution of the law, to bounty hunters. There is no real authority out in the frontier, the killer outlaw on the run is not so different from the bounty hunter who enjoys his livelihood by hunting down the killers. Yet, he himself is not the State. The wide-lens frame of Ace and Nicky meeting in the desert felt like a direct homage to the iconic image of the Western standoff. The conflict between Ace and Nick, the enforcer and the mastermind, is an approximation of the conflicts we might see in John Wayne’s films. The casino venture itself could be seen as an analogy of the frontier-venturism of railroad pioneers going to lay track to develop the West into a more industrial region.
I would have believed that this was a documentary about how the mob took over control of the Vegas casinos in the 1970-80s … if it were not for the viewer being expected to believe that Robert De Niro could play a Jew; it's hard to believe a man with that accent and the roles he’s played his entire career could be a “CRAZY JEW FUCK!!” I kid! But alas, De Niro is a class act and the last of the many greats of a bygone era. At times, it felt like Joe Pesci lacked talent as an actor, but his portrayal of the scummy, backstabbing bastard in Nicky was genuinely remarkable, but I might consider his performance the weak point of the movie. It’s weird to see a man that short, be that much of physical menace. There are a number of Sopranos actors in Casino. I’m sure Vincent Chase watched the movie and said to himself, “bet, i’ll cast half of these guys.”The set design and costumes were gorgeous. The styles and fashion of the time were spectacular. Scorsese’s signature gratuitous violence featured prominently, but tastefully. The camera work, tracking shots through the casino and spatial movement was incredible and I thought the cinematography was outstanding, the Western-esque wide lens in the desert was worthy of being a framed still.
The Nicky//Ace dynamic is excellent and the two play off of each other well. The conflict between the two of them escalates gradually, and then Nicky’s betrayal of Ace by cheating with Ginger marks the final break between the two of them. Nicky’s mob faculties represent a brutal, violent theft that is illegal and requires the enforcement of violence by organized crime. Despite the illegal embezzlement and corruption at play with the “skimming” operation at work at the casino, the general business model of the casino stands in contrast to the obscene violence of the loan sharks. Ace operates an intelligent operation of theft through the casino, and his hands-on management approach is instrumental to the success of the casino. Nicky’s chaos pervades the casino, and the life and activities of “the street” begin to bleed into Ace’s ability to maintain order in the casino. “Connected” types begin frequenting the casino, and Ace unknowingly forces one particularly rude gambler to leave the casino, who happens to have mob ties with Nicky. The “organized violence” of the casino cannot stay intact perfectly, because the very thing holding it together is the presence of the mob. Nicky is in Vegas as the enforcer and tasked with protecting Ace but his independent, entrepreneurial (shall we call them?) aspirations lead him to attempt to overtake what he realizes is a frontier for organized crime to brutalize and exploit the characters of “the street” (pimps, players, addicts, dealers, and prostitutes) and the owners of small private businesses.
Nicky is reckless, “when i plant my flag out here you won’t need your [casino/gaming] license” Nicky thinks he, and Ace, can bypass the regulations and bureaucratic legal measures by sheer force of violence alone. But ultimately Nicky is shortsighted and doesn’t have a real attachment to the success of the casino. After all, he isn’t getting profits from it (or much anyway) and isn’t permitted to play a real, active role in its daily functions because of his belligerent, untamed personality. Nicky has no buy-in that would motivate him to follow the rules or to work within the legal parts of the economy, it’s not the game he knows how to play, and win. All that he is loyal to, or deferent too, is the bosses back home; for whom he maintains absolute, uncompromising loyalty to, but still holds intense spite for.
And now to the more compelling element of the narrative. Sam “Ace” Rothstein is positioned as remarkably intelligent, he makes informed decisions that aid in his skill as a gambler, he can read people to determine whether he’s being conned, he has an attention to detail—aided by the casino’s surveillance apparatus which monitors cheating—that is almost unbelievable. Ace knows when he’s being cheated, he knows how to rig the game so that the house always wins, enacting psychological warfare to break down the confidence of would be proficient gamblers, who could threaten Tangiers’ bottom line. But in the end, the greatest gamble Ace makes is his marriage to Ginger. Ginger is the seductive, charismatic, and flirtatious madame who makes her money with tricks and her sexual power. Ginger works as a prostitute, seducing men, and extracting everything she can, almost as a sort of sexual-financial vampirism.
Ginger is the bad bet Ace can’t stop making even when she destroys his life, her own, and puts their daughter Amy in harm’s way. Ginger is the gamble Ace made wrong, but he keeps going back to her every time, trying to rationalize how she might change and be different the next time. Ace is not a victim to Ginger’s antics. Ginger makes it clear who she is: an addict, alcoholic, manic shopaholic who will use all of her powers to extract everything she can from everyone around her. She uses everyone to her advantage and manipulates men with her sexual power in exchange for their money and protection. Ginger had a price for her hand in marriage: $1 million in cash and $1 million worth of jewelry that are left to her and her alone as a sort of emergency fund.
Ace’s numerous attempts to buy Ginger’s love—and the clear fact that no matter how expensive the fur coat and how grand the mansion, none of it would ever be enough to satisfy her—mirrored Jordan Belfort’s relationship with Naomi in The Wolf of Wall Street. Both relationships carried the same manic volatility and conflict over child custody was found in both films, with the roles reversed in the respective films. Ginger may be irredeemable and a pathological liar, but Ace can’t claim that she wasn’t clear with him; when he asked her to marry him, Ginger said she didn’t love Ace. Ace replied that love could be “developed” but required a foundation of trust to develop. That trust was never there to begin with. The love was doomed from the start to destroy the two of them; two addicts, two gamblers, lying on a daily basis to one another and themselves about reality to justify their respective existences, the marriage, and Ace’s livelihood. And as Ginger pointed out, “I should have never married him. He’s a gemini, a triple gemini … a snake” Maybe astrology has some truth to it after all.
Now I’m not licensed (but hey neither was Ace, and he ran a casino empire!), but Ginger has the inklings of a borderline personality: her manic depression, narcissism, drug and alcohol abuse, and constant begging for forgiveness all seem indications of a larger psychological disorder at play. In the end, Ginger runs away with all the money Ace left her and finds her people in Los Angeles, the pimps, whores, and addicts she fits in with, in turn exploit and kill her for 3 grand in mint coins by giving her a ‘hot’ dose.
Overall, Casino is an incredible cinematic experience. I highly recommend watching this and seeing it as part of Scorsese's anthology of commentary on our economic system and its human victims. I’d argue that Casino, Wolf of Wall Street, and The Irishman all fit together nicely into a trilogy of the Scorsesean history of finance and corruption from the 70s to the 90s.
————-
EDIT 2: TL;DR —
Casino is a story of sexual and financial intrigue, mob violence, union pension fund embezzlement, a “love” story, and the protagonist's masochist addiction to the pain and chaos his lover inflicts on him. It turns out that the sharp-minded genius who meticulously runs the casino, is no more rational than the gamblers who routinely frequent the casino, coming back to lose their money and hoping that the odds will magically shift in their favor.

Playboy going public: Porn, Gambling, and Cannabis

NEW INFO 5 Results from share redemption are posted. Less than .2% redeemed. Very bullish as investors are showing extreme confidence in the future of PLBY.
https://finance.yahoo.com/news/playboy-mountain-crest-acquisition-corp-120000721.html
NEW INFO 4 Definitive Agreement to purchase 100% of Lovers brand stores announced 2/1.
https://www.streetinsider.com/Corporate+News/Playboy+%28MCAC%29+Confirms+Deal+to+Acquire+Lovers/17892359.html
NEW INFO 3 I bought more on the dip today. 5081 total. Price rose AH to $12.38 (2.15%)
NEW INFO 2 Here is the full webinar.
https://icrinc.zoom.us/rec/play/9GWKdmOYumjWfZuufW3QXpe_FW_g--qeNbg6PnTjTMbnNTgLmCbWjeRFpQga1iPc-elpGap8dnDv8Zww.yD7DjUwuPmapeEdP?continueMode=true&tk=lEYc4F_FkKlgsmCIs6w0gtGHT2kbgVGbUju3cIRBSjk.DQIAAAAV8NK49xZWdldRM2xNSFNQcTBmcE00UzM3bXh3AAAAAAAAAAAAAAAAAAAAAAAAAAAA&uuid=WN_GKWqbHkeSyuWetJmLFkj4g&_x_zm_rtaid=kR45-uuqRE-L65AxLjpbQw.1611967079119.2c054e3d3f8d8e63339273d9175939ed&_x_zm_rhtaid=866
NEW INFO 1 Live merger webinar with PLBY and MCAC on Friday January 29, 2021 at 12:00 NOON EST link below
https://mcacquisition.com/investor-relations/press-release-details/2021/Playboy-Enterprises-Inc.-and-Mountain-Crest-Acquisition-Corp-Participate-in-SPACInsider-ICR-Webinar-on-January-29th-at-12pm-ET/default.aspx
Playboy going public: Porn, Gambling, and Cannabis
!!!WARNING READING AHEAD!!! TL;DR at the end. It will take some time to sort through all the links and read/watch everything, but you should.
In the next couple weeks, Mountain Crest Acquisition Corp is taking Playboy public. The existing ticker MCAC will become PLBY. Special purpose acquisition companies have taken private companies public in recent months with great success. I believe this will be no exception. Notably, Playboy is profitable and has skyrocketing revenue going into a transformational growth phase.
Porn - First and foremost, let's talk about porn. I know what you guys are thinking. “Porno mags are dead. Why would I want to invest in something like that? I can get porn for free online.” Guess what? You are absolutely right. And that’s exactly why Playboy doesn’t do that anymore. That’s right, they eliminated their print division. And yet they somehow STILL make money from porn that people (see: boomers) pay for on their website through PlayboyTV, Playboy Plus, and iPlayboy. Here’s the thing: Playboy has international, multi-generational name recognition from porn. They have content available in 180 countries. It will be the only publicly traded adult entertainment (porn) company. But that is not where this company is going. It will help support them along the way. You can see every Playboy magazine through iPlayboy if you’re interested. NSFW links below:
https://www.playboy.com/
https://www.playboytv.com/
https://www.playboyplus.com/
https://www.iplayboy.com/
Gambling - Some of you might recognize the Playboy brand from gambling trips to places like Las Vegas, Atlantic City, Cancun, London or Macau. They’ve been in the gambling biz for decades through their casinos, clubs, and licensed gaming products. They see the writing on the wall. COVID is accelerating the transition to digital, application based GAMBLING. That’s right. What we are doing on Robinhood with risky options is gambling, and the only reason regulators might give a shit anymore is because we are making too much money. There may be some restrictions put in place, but gambling from your phone on your couch is not going anywhere. More and more states are allowing things like Draftkings, poker, state ‘lottery” apps, hell - even political betting. Michigan and Virginia just ok’d gambling apps. They won’t be the last. This is all from your couch and any 18 year old with a cracked iphone can access it. Wouldn’t it be cool if Playboy was going to do something like that? They’re already working on it. As per CEO Ben Kohn who we will get to later, “...the company’s casino-style digital gaming products with Scientific Games and Microgaming continue to see significant global growth.” Honestly, I stopped researching Scientific Games' sports betting segment when I saw the word ‘omni-channel’. That told me all I needed to know about it’s success.
“Our SG Sports™ platform is an enhanced, omni-channel solution for online, self-service and retail fixed odds sports betting – from soccer to tennis, basketball, football, baseball, hockey, motor sports, racing and more.”
https://www.scientificgames.com/
https://www.microgaming.co.uk/
“This latter segment has become increasingly enticing for Playboy, and it said last week that it is considering new tie-ups that could include gaming operators like PointsBet and 888Holdings.”
https://calvinayre.com/2020/10/05/business/playboys-gaming-ops-could-get-a-boost-from-spac-purchase/
As per their SEC filing:
“Significant consumer engagement and spend with Playboy-branded gaming properties around the world, including with leading partners such as Microgaming, Scientific Games, and Caesar’s Entertainment, steers our investment in digital gaming, sports betting and other digital offerings to further support our commercial strategy to expand consumer spend with minimal marginal cost, and gain consumer data to inform go-to-market plans across categories.”
https://www.sec.gov/Archives/edgadata/1803914/000110465921005986/tm2034213-12_defm14a.htm#tMDAA1
They are expanding into more areas of gaming/gambling, working with international players in the digital gaming/gambling arena, and a Playboy sportsbook is on the horizon.
https://www.playboy.com/read/the-pleasure-of-playing-with-yourself-mobile-gaming-in-the-covid-era
Cannabis - If you’ve ever read through a Playboy magazine, you know they’ve had a positive relationship with cannabis for many years. As of September 2020, Playboy has made a major shift into the cannabis space. Too good to be true you say? Check their website. Playboy currently sells a range of CBD products. This is a good sign. Federal hemp products, which these most likely are, can be mailed across state lines and most importantly for a company like Playboy, can operate through a traditional banking institution. CBD products are usually the first step towards the cannabis space for large companies. Playboy didn’t make these products themselves meaning they are working with a processor in the cannabis industry. Another good sign for future expansion. What else do they have for sale? Pipes, grinders, ashtrays, rolling trays, joint holders. Hmm. Ok. So it looks like they want to sell some shit. They probably don’t have an active interest in cannabis right? Think again:
https://www.forbes.com/sites/javierhasse/2020/09/24/playboy-gets-serious-about-cannabis-law-reform-advocacy-with-new-partnership-grants/?sh=62f044a65cea
“Taking yet another step into the cannabis space, Playboy will be announcing later on Thursday (September, 2020) that it is launching a cannabis law reform and advocacy campaign in partnership with National Organization for the Reform of Marijuana Laws (NORML), Last Prisoner Project, Marijuana Policy Project, the Veterans Cannabis Project, and the Eaze Momentum Program.”
“According to information procured exclusively, the three-pronged campaign will focus on calling for federal legalization. The program also includes the creation of a mentorship plan, through which the Playboy Foundation will support entrepreneurs from groups that are underrepresented in the industry.” Remember that CEO Kohn from earlier? He wrote this recently:
https://medium.com/naked-open-letters-from-playboy/congress-must-pass-the-more-act-c867c35239ae
Seems like he really wants weed to be legal? Hmm wonder why? The writing's on the wall my friends. Playboy wants into the cannabis industry, they are making steps towards this end, and we have favorable conditions for legislative progress.
Don’t think branding your own cannabis line is profitable or worthwhile? Tell me why these 41 celebrity millionaires and billionaires are dummies. I’ll wait.
https://www.celebstoner.com/news/celebstoner-news/2019/07/12/top-celebrity-cannabis-brands/
Confirmation: I hear you. “This all seems pretty speculative. It would be wildly profitable if they pull this shift off. But how do we really know?” Watch this whole video:
https://finance.yahoo.com/video/playboy-ceo-telling-story-female-154907068.html
Man - this interview just gets my juices flowing. And highlights one of my favorite reasons for this play. They have so many different business avenues from which a catalyst could appear. I think paying attention, holding shares, and options on these staggered announcements over the next year is the way I am going to go about it. "There's definitely been a shift to direct-to-consumer," he (Kohn) said. "About 50 percent of our revenue today is direct-to-consumer, and that will continue to grow going forward.” “Kohn touted Playboy's portfolio of both digital and consumer products, with casino-style gaming, in particular, serving a crucial role under the company's new business model. Playboy also has its sights on the emerging cannabis market, from CBD products to marijuana products geared toward sexual health and pleasure.” "If THC does become legal in the United States, we have developed certain strains to enhance your sex life that we will launch," Kohn said. https://cheddar.com/media/playboy-goes-public-health-gaming-lifestyle-focus Oh? The CEO actually said it? Ok then. “We have developed certain strains…” They’re already working with growers on strains and genetics? Ok. There are several legal cannabis markets for those products right now, international and stateside. I expect Playboy licensed hemp and THC pre-rolls by EOY. Something like this: https://www.etsy.com/listing/842996758/10-playboy-pre-roll-tubes-limited?ga_order=most_relevant&ga_search_type=all&ga_view_type=gallery&ga_search_query=pre+roll+playboy&ref=sr_gallery-1-2&organic_search_click=1 Maintaining cannabis operations can be costly and a regulatory headache. Playboy’s licensing strategy allows them to pick successful, established partners and sidestep traditional barriers to entry. You know what I like about these new markets? They’re expanding. Worldwide. And they are going to be a bigger deal than they already are with or without Playboy. Who thinks weed and gambling are going away? Too many people like that stuff. These are easy markets. And Playboy is early enough to carve out their spot in each. Fuck it, read this too: https://www.forbes.com/sites/jimosman/2020/10/20/playboy-could-be-the-king-of-spacs-here-are-three-picks/?sh=2e13dcaa3e05
Numbers: You want numbers? I got numbers. As per the company’s most recent SEC filing:
“For the year ended December 31, 2019, and the nine months ended September 30, 2020, Playboy’s historical consolidated revenue was $78.1 million and $101.3 million, respectively, historical consolidated net income (loss) was $(23.6) million and $(4.8) million, respectively, and Adjusted EBITDA was $13.1 million and $21.8 million, respectively.”
“In the nine months ended September 30, 2020, Playboy’s Licensing segment contributed $44.2 million in revenue and $31.1 million in net income.”
“In the ninth months ended September 30, 2020, Playboy’s Direct-to-Consumer segment contributed $40.2 million in revenue and net income of $0.1 million.”
“In the nine months ended September 30, 2020, Playboy’s Digital Subscriptions and Content segment contributed $15.4 million in revenue and net income of $7.4 million.”
They are profitable across all three of their current business segments.
“Playboy’s return to the public markets presents a transformed, streamlined and high-growth business. The Company has over $400 million in cash flows contracted through 2029, sexual wellness products available for sale online and in over 10,000 major retail stores in the US, and a growing variety of clothing and branded lifestyle and digital gaming products.”
https://www.sec.gov/Archives/edgadata/1803914/000110465921005986/tm2034213-12_defm14a.htm#tSHCF
Growth: Playboy has massive growth in China and massive growth potential in India. “In China, where Playboy has spent more than 25 years building its business, our licensees have an enormous footprint of nearly 2,500 brick and mortar stores and 1,000 ecommerce stores selling high quality, Playboy-branded men’s casual wear, shoes/footwear, sleepwear, swimwear, formal suits, leather & non-leather goods, sweaters, active wear, and accessories. We have achieved significant growth in China licensing revenues over the past several years in partnership with strong licensees and high-quality manufacturers, and we are planning for increased growth through updates to our men’s fashion lines and expansion into adjacent categories in men’s skincare and grooming, sexual wellness, and women’s fashion, a category where recent launches have been well received.” The men’s market in China is about the same size as the entire population of the United States and European Union combined. Playboy is a leading brand in this market. They are expanding into the women’s market too. Did you know CBD toothpaste is huge in China? China loves CBD products and has hemp fields that dwarf those in the US. If Playboy expands their CBD line China it will be huge. Did you know the gambling money in Macau absolutely puts Las Vegas to shame? Technically, it's illegal on the mainland, but in reality, there is a lot of gambling going on in China. https://www.forbes.com/sites/javierhasse/2020/10/19/magic-johnson-and-uncle-buds-cbd-brand-enter-china-via-tmall-partnership/?sh=271776ca411e “In India, Playboy today has a presence through select apparel licensees and hospitality establishments. Consumer research suggests significant growth opportunities in the territory with Playboy’s brand and categories of focus.” “Playboy Enterprises has announced the expansion of its global consumer products business into India as part of a partnership with Jay Jay Iconic Brands, a leading fashion and lifestyle Company in India.” “The Indian market today is dominated by consumers under the age of 35, who represent more than 65 percent of the country’s total population and are driving India’s significant online shopping growth. The Playboy brand’s core values of playfulness and exploration resonate strongly with the expressed desires of today’s younger millennial consumers. For us, Playboy was the perfect fit.” “The Playboy international portfolio has been flourishing for more than 25 years in several South Asian markets such as China and Japan. In particular, it has strategically targeted the millennial and gen-Z audiences across categories such as apparel, footwear, home textiles, eyewear and watches.” https://www.licenseglobal.com/industry-news/playboy-expands-global-footprint-india It looks like they gave COVID the heisman in terms of net damage sustained: “Although Playboy has not suffered any material adverse consequences to date from the COVID-19 pandemic, the business has been impacted both negatively and positively. The remote working and stay-at-home orders resulted in the closure of the London Playboy Club and retail stores of Playboy’s licensees, decreasing licensing revenues in the second quarter, as well as causing supply chain disruption and less efficient product development thereby slowing the launch of new products. However, these negative impacts were offset by an increase in Yandy’s direct-to-consumer sales, which have benefited in part from overall increases in online retail sales so far during the pandemic.” Looks like the positives are long term (Yandy acquisition) and the negatives are temporary (stay-at-home orders).
https://www.sec.gov/Archives/edgadata/1803914/000110465921006093/tm213766-1_defa14a.htm
This speaks to their ability to maintain a financially solvent company throughout the transition phase to the aforementioned areas. They’d say some fancy shit like “expanded business model to encompass four key revenue streams: Sexual Wellness, Style & Apparel, Gaming & Lifestyle, and Beauty & Grooming.” I hear “we’re just biding our time with these trinkets until those dollar dollar bill y’all markets are fully up and running.” But the truth is these existing revenue streams are profitable, scalable, and rapidly expanding Playboy’s e-commerce segment around the world.
"Even in the face of COVID this year, we've been able to grow EBITDA over 100 percent and revenue over 68 percent, and I expect that to accelerate going into 2021," he said. “Playboy is accelerating its growth in company-owned and branded consumer products in attractive and expanding markets in which it has a proven history of brand affinity and consumer spend.”
Also in the SEC filing, the Time Frame:
“As we detailed in the definitive proxy statement, the SPAC stockholder meeting to vote on the transaction has been set for February 9th, and, subject to stockholder approval and satisfaction of the other closing conditions, we expect to complete the merger and begin trading on NASDAQ under ticker PLBY shortly thereafter,” concluded Kohn.
The Players: Suhail “The Whale” Rizvi (HMFIC), Ben “The Bridge” Kohn (CEO), “lil” Suying Liu & “Big” Dong Liu (Young-gun China gang). I encourage you to look these folks up. The real OG here is Suhail Rizvi. He’s from India originally and Chairman of the Board for the new PLBY company. He was an early investor in Twitter, Square, Facebook and others. His firm, Rizvi Traverse, currently invests in Instacart, Pinterest, Snapchat, Playboy, and SpaceX. Maybe you’ve heard of them. “Rizvi, who owns a sprawling three-home compound in Greenwich, Connecticut, and a 1.65-acre estate in Palm Beach, Florida, near Bill Gates and Michael Bloomberg, moved to Iowa Falls when he was five. His father was a professor of psychology at Iowa. Along with his older brother Ashraf, a hedge fund manager, Rizvi graduated from Wharton business school.” “Suhail Rizvi: the 47-year-old 'unsocial' social media baron: When Twitter goes public in the coming weeks (2013), one of the biggest winners will be a 47-year-old financier who guards his secrecy so zealously that he employs a person to take down his Wikipedia entry and scrub his photos from the internet. In IPO, Twitter seeks to be 'anti-FB'” “Prince Alwaleed bin Talal of Saudi Arabia looks like a big Twitter winner. So do the moneyed clients of Jamie Dimon. But as you’ve-got-to-be-joking wealth washed over Twitter on Thursday — a company that didn’t exist eight years ago was worth $31.7 billion after its first day on the stock market — the non-boldface name of the moment is Suhail R. Rizvi. Mr. Rizvi, 47, runs a private investment company that is the largest outside investor in Twitter with a 15.6 percent stake worth $3.8 billion at the end of trading on Thursday (November, 2013). Using a web of connections in the tech industry and in finance, as well as a hearty dose of good timing, he brought many prominent names in at the ground floor, including the Saudi prince and some of JPMorgan’s wealthiest clients.” https://www.nytimes.com/2013/11/08/technology/at-twitter-working-behind-the-scenes-toward-a-billion-dollar-payday.html Y’all like that Arab money? How about a dude that can call up Saudi Princes and convince them to spend? Funniest shit about I read about him: “Rizvi was able to buy only $100 million in Facebook shortly before its IPO, thus limiting his returns, according to people with knowledge of the matter.” Poor guy :(
He should be fine with the 16 million PLBY shares he's going to have though :)
Shuhail also has experience in the entertainment industry. He’s invested in companies like SESAC, ICM, and Summit Entertainment. He’s got Hollywood connections to blast this stuff post-merger. And he’s at least partially responsible for that whole Twilight thing. I’m team Edward btw.
I really like what Suhail has done so far. He’s lurked in the shadows while Kohn is consolidating the company, trimming the fat, making Playboy profitable, and aiming the ship at modern growing markets.
https://www.reuters.com/article/us-twitter-ipo-rizvi-insight/insight-little-known-hollywood-investor-poised-to-score-with-twitter-ipo-idUSBRE9920VW20131003
Ben “The Bridge” Kohn is an interesting guy. He’s the connection between Rizvi Traverse and Playboy. He’s both CEO of Playboy and was previously Managing Partner at Rizvi Traverse. Ben seems to be the voice of the Playboy-Rizvi partnership, which makes sense with Suhail’s privacy concerns. Kohn said this:
“Today is a very big day for all of us at Playboy and for all our partners globally. I stepped into the CEO role at Playboy in 2017 because I saw the biggest opportunity of my career. Playboy is a brand and platform that could not be replicated today. It has massive global reach, with more than $3B of global consumer spend and products sold in over 180 countries. Our mission – to create a culture where all people can pursue pleasure – is rooted in our 67-year history and creates a clear focus for our business and role we play in people’s lives, providing them with the products, services and experiences that create a lifestyle of pleasure. We are taking this step into the public markets because the committed capital will enable us to accelerate our product development and go-to-market strategies and to more rapidly build our direct to consumer capabilities,” said Ben Kohn, CEO of Playboy.
“Playboy today is a highly profitable commerce business with a total addressable market projected in the trillions of dollars,” Mr. Kohn continued, “We are actively selling into the Sexual Wellness consumer category, projected to be approximately $400 billion in size by 2024, where our recently launched intimacy products have rolled out to more than 10,000 stores at major US retailers in the United States. Combined with our owned & operated ecommerce Sexual Wellness initiatives, the category will contribute more than 40% of our revenue this year. In our Apparel and Beauty categories, our collaborations with high-end fashion brands including Missguided and PacSun are projected to achieve over $50M in retail sales across the US and UK this year, our leading men’s apparel lines in China expanded to nearly 2500 brick and mortar stores and almost 1000 digital stores, and our new men’s and women’s fragrance line recently launched in Europe. In Gaming, our casino-style digital gaming products with Scientific Games and Microgaming continue to see significant global growth. Our product strategy is informed by years of consumer data as we actively expand from a purely licensing model into owning and operating key high-growth product lines focused on driving profitability and consumer lifetime value. We are thrilled about the future of Playboy. Our foundation has been set to drive further growth and margin, and with the committed capital from this transaction and our more than $180M in NOLs, we will take advantage of the opportunity in front of us, building to our goal of $100M of adjusted EBITDA in 2025.”
https://www.businesswire.com/news/home/20201001005404/en/Playboy-to-Become-a-Public-Company
Also, according to their Form 4s, “Big” Dong Liu and “lil” Suying Liu just loaded up with shares last week. These guys are brothers and seem like the Chinese market connection. They are only 32 & 35 years old. I don’t even know what that means, but it's provocative.
https://www.secform4.com/insider-trading/1832415.htm
https://finance.yahoo.com/news/mountain-crest-acquisition-corp-ii-002600994.html
Y’all like that China money?
“Mr. Liu has been the Chief Financial Officer of Dongguan Zhishang Photoelectric Technology Co., Ltd., a regional designer, manufacturer and distributor of LED lights serving commercial customers throughout Southern China since November 2016, at which time he led a syndicate of investments into the firm. Mr. Liu has since overseen the financials of Dongguan Zhishang as well as provided strategic guidance to its board of directors, advising on operational efficiency and cash flow performance. From March 2010 to October 2016, Mr. Liu was the Head of Finance at Feidiao Electrical Group Co., Ltd., a leading Chinese manufacturer of electrical outlets headquartered in Shanghai and with businesses in the greater China region as well as Europe.”
Dr. Suying Liu, Chairman and Chief Executive Officer of Mountain Crest Acquisition Corp., commented, “Playboy is a unique and compelling investment opportunity, with one of the world’s largest and most recognized brands, its proven consumer affinity and spend, and its enormous future growth potential in its four product segments and new and existing geographic regions. I am thrilled to be partnering with Ben and his exceptional team to bring his vision to fruition.”
https://www.businesswire.com/news/home/20201001005404/en/Playboy-to-Become-a-Public-Company
These guys are good. They have a proven track record of success across multiple industries. Connections and money run deep with all of these guys. I don’t think they’re in the game to lose.
I was going to write a couple more paragraphs about why you should have a look at this but really the best thing you can do is read this SEC filing from a couple days ago. It explains the situation in far better detail. Specifically, look to page 137 and read through their strategy. Also, look at their ownership percentages and compensation plans including the stock options and their prices. The financials look great, revenue is up 90% Q3, and it looks like a bright future.
https://www.sec.gov/Archives/edgadata/1803914/000110465921005986/tm2034213-12_defm14a.htm#tSHCF
I’m hesitant to attach this because his position seems short term, but I’m going to with a warning because he does hit on some good points (two are below his link) and he’s got a sizable position in this thing (500k+ on margin, I think). I don’t know this guy but he did look at the same publicly available info and make roughly the same prediction, albeit without the in depth gambling or cannabis mention. You can also search reddit for ‘MCAC’ and very few relevant results come up and none of them even come close to really looking at this thing.
https://docs.google.com/document/d/1gOvAd6lebs452hFlWWbxVjQ3VMsjGBkbJeXRwDwIJfM/edit?usp=sharing
“Also, before you people start making claims that Playboy is a “boomer” company, STOP RIGHT THERE. This is not a good argument. Simply put. The only thing that matters is Playboy’s name recognition, not their archaic business model which doesn’t even exist anymore as they have completely repurposed their business.”
“Imagine not buying $MCAC at a 400M valuation lol. Streetwear department is worth 1B alone imo.”
Considering the ridiculous Chinese growth as a lifestyle brand, he’s not wrong.
Current Cultural Significance and Meme Value: A year ago I wouldn’t have included this section but the events from the last several weeks (even going back to tsla) have proven that a company’s ability to meme and/or gain social network popularity can have an effect. Tik-tok, Snapchat, Twitch, Reddit, Youtube, Facebook, Twitter. They all have Playboy stuff on them. Kids in middle and highschool know what Playboy is but will likely never see or touch one of the magazines in person. They’ll have a Playboy hoodie though. Crazy huh? A lot like GME, PLBY would hugely benefit from meme-value stock interest to drive engagement towards their new business model while also building strategic coffers. This interest may not directly and/or significantly move the stock price but can generate significant interest from larger players who will.
Bull Case: The year is 2025. Playboy is now the world leader pleasure brand. They began by offering Playboy licensed gaming products, including gambling products, direct to consumers through existing names. By 2022, demand has skyrocketed and Playboy has designed and released their own gambling platforms. In 2025, they are also a leading cannabis brand in the United States and Canada with proprietary strains and products geared towards sexual wellness. Cannabis was legalized in the US in 2023 when President Biden got glaucoma but had success with cannabis treatment. He personally pushes for cannabis legalization as he steps out of office after his first term. Playboy has also grown their brand in China and India to multi-billion per year markets. The stock goes up from 11ish to 100ish and everyone makes big gains buying somewhere along the way.
Bear Case: The United States does a complete 180 on marijuana and gambling. President Biden overdoses on marijuana in the Lincoln bedroom when his FDs go tits up and he loses a ton of money in his sports book app after the Fighting Blue Hens narrowly lose the National Championship to Bama. Playboy is unable to expand their cannabis and gambling brands but still does well with their worldwide lifestyle brand. They gain and lose some interest in China and India but the markets are too large to ignore them completely. The stock goes up from 11ish to 13ish and everyone makes 15-20% gains.
TL;DR: Successful technology/e-commerce investment firm took over Playboy to turn it into a porn, online gambling/gaming, sports book, cannabis company, worldwide lifestyle brand that promotes sexual wellness, vetern access, women-ownership, minority-ownership, and “pleasure for all”. Does a successful online team reinventing an antiquated physical copy giant sound familiar? No options yet, shares only for now. $11.38 per share at time of writing. My guess? $20 by the end of February. $50 by EOY. This is not financial advice. I am not qualified to give financial advice. I’m just sayin’ I would personally use a Playboy sports book app while smoking a Playboy strain specific joint and it would be cool if they did that. Do your own research. You’d probably want to start here:
WARNING - POTENTIALLY NSFW - SEXY MODELS AHEAD - no actual nudity though
https://s26.q4cdn.com/895475556/files/doc_presentations/Playboy-Craig-Hallum-Conference-Investor-Presentation-11_17_20-compressed.pdf
Or here:
https://www.mcacquisition.com/investor-relations/default.aspx
Jimmy Chill: “Get into any SPAC at $10 or $11 and you are going to make money.”
STL;DR: Buy MCAC. MCAC > PLBY couple weeks. Rocketship. Moon.
Position: 5000 shares. I will buy short, medium, and long-dated calls once available.

After episode 33, I really feel like we need to address the Gacha Situation seriously

This is gonna be a really long, rambling post about gacha, gambling, addiction, psychology and ethics. If you want the TL;DR, here it is: Joey and Garnt are at the very least irresponsible influencers, and at the very worst they might have a serious addiction that stems from a low dopamine life-style.
We all most likely watched the episode and know what happened and what was talked by who, but for further context, if you are unaware of anything, even after the memes, on the last episode of Trash Taste Podcast, specifically in the last 40 minutes of it, the Boys discussed (and argued) about the gacha game scene and gambling addiction. You can check it out on the sticky post on the top of the subreddit front page.
To cut it short, Connor argued that gacha games are just as if not more dangerous than actual gambling, specifically for a few reasons. First, it is a game of no return. In real life gambling, you can (fleetingly) get real money back from it, and even make a considerable profit. Gacha games simulate the act of gambling while offering no significant reward or value other than a measle amount of dopamine and a cute character to play with. Secondly, the game is marketed towards older kids, teenagers and young adults on an age range of 12-25 years old, an age group where most individuals are either not mature enough to manage their money safely or even financially independent at all, with most people in this range not even being active members of society yet. Furthermore, the gacha-gambling model is largely unregulated and unsupervised by authority figures, be it responsible adults, laws or any other regulating institution.
To this, Garnt (largely) and Joey (in a lesser but still significant way) responded that, while they agree no one should be able or willing to spend such large amounts in these games, they do not pose significant harm to most people, and even further, can present justifiable value enough to be acceptable in their current forms, with minor changes. At one point, Joey expressed the idea that if these games made it difficult for him to spend money, he would mostly just not play them at all rather than go free-to-play. Garnt attempted to defend the idea that spending on these games was not necessary and going the F2P route was not only possible, but easy. He himself, however, admitted to that not being the case with him.
This is the thick and short of it. Now let me get into the main argument this post is attempting to make.
Connor's position along the entire discussion was entirely and utterly reasonable, and not only that, but even after being soft-gaslighted into being less harsh on his stance, he still was the only one willing to take the problem seriously at all.
Garnt and Joey, kn the other hand, began the discussion with an ironic and memey tone, not taking it at all seriously. When Connor's stance didn't change and his points began hitting a little too close to home, that's when they got defensive of their point and tried to appeal to various fallacious arguments and unbelievable takes. Most notably, Garnt defended that "If you have a problem with gambling or if you have poor self-control, you just should not be playing Gacha Games", which beyond being obvious, is a bonkers thing to say. It would be akin to saying "if you feel depressed or suicidal often, you should just ask for help and not kill yourself" or "if you have a drug problem, maybe don't go buy drugs". It is a statement that hides behind it's obvious correctness to take away attention from the fact that this adds nothing of value at all to the discussion,nor does it make for a suitable defense of the system that gacha ganes operate in.
The first big problem with this entire thing is that the three of them, both in the podcast and with their individual channels, have a great influencing power. Having your opinion, no matter who you are, broadcast to over a few hundred thousand people world-wide is bound to influence or resonate with some of the audience. When the person in question is a respected figure, speaking to an audience of admirers or fans, most of which at a young age, and within a subject matter of interest to the audience, the influence rate will grow even bigger. In this midst, there is statistically no way at least a handful of people didn't watch this episode and felt like they had their actions justified. Add to this that the gacha community at large is either aware but indifferent to the similarities it has to gambling, or straight up defensive of the entire model, and you have a pretty dangerous mixture of things here.
The second issue I see and hope to convey on this matter is that both Garnt and Joey seem unaware of just how scummy and messed up the tactics behind gacha games are. It's not just rate manipulation and constant advertising. The entire development process is centered around creating the perfect space for you to spend copious amounts of money without feeling that you really spent them. It goes so much deeper than just making cute girls to sell you. From the game page on the app store you get it from to the main menu, to the game design, to the in-game systems, to the rates, to the promotions, to the update cycle, to the end game, to the daily challenges, EVERY LITTLE ASPECT of it is engineered to rewire your bain into believing that it's not that bad to spend, and having the desire to do so more often than you reasonably would.
This is a very important one, amd Connor briefly touched on it in his rant. Cassinos, actual gambling places, build and thought to make you spend and lose, are like a glass door compared to the five inch lead wall that is the gacha strategy. They show you the rates at all times. They offer you the option to set yourself a limit. They make you aware that you are spending money, they cap the age at a minimum of 21, they have a lot of systems in place to control bad spenders. Of course, most of those came from law and regulations, but even before that, back in the 18th amd 19th centuries, no normal adult would advocate or defend that 12 to 18 year olds should be able to gamble real money into pieces of paper or cardboard cutouts. So imagine thinking, for even a moment, that what gacha games do is even close to okay. It is not, by any measure, morally, ethically or lawfully, okay.
But it gets worse. Way worse. Here is where I began actually worrying about the boys, in particular Joey and Garnt, the latter most of all.
They seem to actually believe that the above exposed is somehow justifiable based on little doses of dopamine, memories and the abstract idea of "the experience" you get. They compare spending ONE HUNDRED DOLLARS on a game to get TWO DIMENSIONAL IMAGINARY GIRLS to a night out with friends where you spend a hundred dollars in food or drinks.
What the actual f*ck.
This is not just bad. It's really, really bad. It's unreasonably and unbelievably absurd. It nearly collapses the entire concept of reality from just how bad a take this is.
No. No, no, no. NO. In no way, in no conceivable theoretical way, one of those things is comparable to the other. Never. This is the type of thing that depressed people tell themselves to justify self destructive behavior. Spending copious amounts of disposable income into games just to get "a daily dose lf dopamine" going is insane. Just for reference, you can get dopamine for free by doing any of the following:
Exercising
Finishing a task-list
Cleaning your room
Working on a passion project
Playing any sport, specially with friends
Going for a walk with you pet
Having a conversation with a friend or significant other
Having a good meal
Waking up from a good nap
Watching a fun movie
Traveling
Hiking
Riding a bike
Radical sports
Reading a good book
Seeing a long-time relative or friend you missed for a long time
Getting a hug
Having sex
Sleeping cuddled with you SO
Holding hands
Kissing
Watching the sun set/rise
Going to the beach
Camping
Playing an actual good videogame that isn't f*cking Genshin or FGO
This is not an exhaustive list. It's literally just things I thought off the top of my head while writing this. Some of those activities require some money to do, and some are impossible during the pandemic. But most of them are free/cheap and easy to do at home or with little to no contact with anyone.
If getting a good pull in a lootbox virtual casino is the best way you can think of to get any dopamine release, or if that release is so significant to you as to justify spending more money than some people make in a week, then I'm sorry, but you have a serious problem. I mean it. I know the Boys can do most or all of those things listed up there and much more. I know for a fact they are not in a situation of loneliness, vulnerability or isolation, even in the current world situation. So why is it that Garnt thinks gambling is a good solution for boredom in the quarentine? Or why did Joey insinuate that making it harder for him to spend money would just make him drop the game?
And if these two, that as I said are in a very privileged spot of having easy access to healthy ways to produce dopamine and conquer isolation, are having this kind of relationship with these games, what's to say of people around the world, including many of their listeners/viewers, who either live alone and/or have no perspective of a successful career with easy access to basically limitless disposable income like they do? What's to say of the teenagers who spend all night up playing games, watching anime, jerking off and stealing their parents' credit card to buy pulls? What's to say of the depressed university students who have a shitload of debt thrown at them and live an isolated, virtual life right now? What about them?
Joey and Garnt might not have any problem controlling themselves, or have enough money to waste such that a thousand dollars into gachas doesn't feel unreasonable, no matter how actually unreasonable it is. But they are either ignorant of the actual problem, or (and I sure hope I'm completely off on this one) completely unemphatic to their struggles. Because "Just don't play" is not a thing someone with empathy for the gambling addicts would say. Connor was deadass on this one.
And that leads us to the final nail in this horrific, goldplated coffin. The memes.
Yes, the memes.
There are so many memes. Garnt mentioned that "no one memes on the guys going bankrupt" while doing just that for half an hour. The entire gacha culture is basically a serious sociological and psychological problem deep-rooted into the heart of the zoomer generation. And yet it wears a mask mad e of memes, that hides the actual problem under a nearly impenetrable layer of irony, self-pity and depressive jokes. But the subject is not that funny under the magnified lens of a closer look.
The easygoing demeanor with which gacha addicts and casual underaged gamblers treat the entire thing is so light on the mood, so soft on the eyes, that you may just forget that those people might be ruining their lives. It's not a joke. It should not be treated like one. The meme culture around gacha fames has created more gambling addicts among 15 and 16 year olds than any illegal casino would ever dream of. These young people are just laughing away ridiculous sums of money for a teenager to spend, and feeling none of it until it is too late to go back and give up.
I am not trying to guilty trip any of the Boyys here, nor am I accusing them of being apologetic of underage gambling. I'm just trying to put this entire thing under a serious light. Because it needs someone to do so. This post comes from a place of worry and love, not one of disrespect or accusations. I simply want the Boys to look at this in a responsible way.
I might be talking to the walls here. I might really be just shouting in the vacuum. But if I can try to make my voice be listened to, I will. Because I must. If you read all the way down to here, I have two more things to say.
One is: please, do not let the monetization model these games operate in get to you. If you've spent any amount of money on them and feel tempted to continue, I insist you don't. If you have only ever played them without spending, and are still having fun, you're free to do so, but tread carefully.
And the other is: gacha mechanics can ruin much more beyond your financial wisdom. They are actively harmful to the games industry as a whole. Instead of making good games out of passion, these developers are being led to create mediocre games out of greed from the higher ups. If gou care about gaming at all, or if you just give a shit about an industry many people love, I request that you understand why gacha games are a bad sign, and that you spread that awareness, if you can. This is a really important subject to me and I think ut should be to other gamers as well.
Thank you for reading. Have a great day. Save your money.
P.S.: Garnt, Joey and Connor. If you guys read this, I love you and what you do. I listen to this podcast almost religiously, and I really enjoy all of it. Please, take care of yourselves and have a great 2021. Peace. (This is a shot in the dark, the chances of them reading this are so low I feel almost stupid. But hey, I tried huh?)

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.

is it illegal to gamble in your home video

The short answer is no, gambling is not illegal in the US. However, the country has a long and complicated history with gambling. Specific forms of it have been barred at certain points in the Your home is a place for you to live. As a living domicile, you have an expectation of privacy. But when you bring in people from outside to participate in an activity which is illegal outside the home, you've dispensed with any expectation of privacy inside the home with regard to that illegality. 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. Online Gambling Don’t Roll the Dice. 06/06/07. If you’ve ever thought about visiting a cyber casino, here’s something you should know: it’s illegal to gamble online in the United States. Poker and bridge clubs that do not extend into the professional realm are often legal forms of gambling at home. However, these games of chance can only benefit the players and not a host. For the games to remain legal, they must not violate any city or state regulations and cannot involve similar events such as what a casino would provide. When it comes to gambling, be it at a land-based casino or online, it helps to know the gambling laws of the US state you are in because they all have different stances when it comes to the issue. What may be considered legal in one state may not necessarily be legal in another, so it pays to know more about these things lest you want to wake up one day being charged with illegal gambling with This article has been viewed 46,766 times. 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 country under federal law. You can report online gambling to the FBI. Even for private establishments, state and local laws restrict or prohibit gambling. While "offshore" internet gambling is technically against US laws, it is also easily manipulated to seize In most states, engaging in gambling activities online is illegal. Most states will prohibit computer gambling no matter what game the person plays. If the activity has a real-world exchange of money in some manner, it could constitute as gambling. At Osipau’s home address, more than 5,900 scans of passports, utility bills and bank statements were found, relating to people from countries all around the world. It could have been that he got all this information from illegal offshore platforms, where security is nowhere near as tight as it is at licensed casinos.

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FBI — Online Gambling Is Illegal

is it illegal to gamble in your home

is it illegal to gamble in your home - win

Americans, is it illegal to gamble in your own home?

Day 70 of SR