[Guide] Hal-hal esensial yang wajib dimiliki mahasiswa.
Selamat pagi! Salam mahasiswa! Terinspirasi dari komen-komen di thread gua sebelumnya, gua ingin compile beberapa must-have tools, stuff, and websites untuk kalian yang baru saja jadi mahasiswa atau sedang menjalani studi. Gue akan memisahkan ke beberapa kategori, yaitu Wajib Punya, Wajib Punya Untuk Anak [Jurusan], Boleh Punya, Cukup Tau, dan Jangan Pernah Sentuh. Dalam kategori tersebut akan diisi dengan kombinasi apps, website, dan alat-alat fisik. Untuk yang bersifat bajakan, sorry to say gua gak akan link di sini, kecuali Sci Hub atau Gen Lib. Bagi redditor yang bukan anak psikologi, tolong bantuin gua ya dengan comment berisi suggestion kalian.
WAJIB PUNYA
WhatsApp, LINE, dan sometimes Telegram. : Ya menurut lo aja deh, hari gini masih SMS?
Flash drive : Get an 8GB stick, walaupun sekarang udah serba digital, kadang dosen masih minta print-out tugas. Plus, tukang fotokopi pasti sibuk dan gak ada waktu buka e-mail (walaupun ada), akan lebih praktis kalau data yang mau lo print atau submit pindahin dulu ke sini. Side note : Untuk anak DKV, Arsitektur, Desain Produk, Musik, dan Film, sepertinya kalian wajib beli external hard-drive minimal 500GB. Kalau bisa SSD ya, biar file terus protected (tapi agak mahal).
Google Drivedan isinya (Sheets, Docs, Draw, Slides) : Lo akan mobile for most of your campus life, GDrive gunanya bukan hanya sebagai backup tapi sebagai base of operations dari perkuliahan lo. Separate folders into semesters, lalu di dalamnya bikin folder per matkul, dan di dalamnya pun ada folder buku, tugas, class notes, and etc.
Google Calendar : Start planning through this app. Its highly underrated and I suggest you take time and learn how GCal works. Most people only use this after they started working, getting a head start is always better.
Mendeleyatau reference manager lain : Lu akan menghabiskan waktu 4 tahun baca artikel ilmiah, kadang mereka suka aneh formatting filenya kalo di-download dan mereka udah pasti gak appealing untuk di-save di laptop. Mendeley cuts off all of the problems and puts all of your references in one place. (Available on desktop and mobile)
Google Scholar: Berhubungan dengan sebelumnya, Google Scholar akan menjadi wikipedia elu di perguruan tinggi. You will access this site almost every day in uni.
Genesis Library : Adalah perpustakaan terlengkap di jagad internet. Gak usah beli textbook kalau lu gak mampu, download aja di sini.
Side points : Perpusnas punya akses e-book gratis pula, mostly koleksi mereka ada di situ. Appnya bisa dicari di Google Play Store (iOS setau gua belom ada).
Sci-hub : This is the scalpel of academia, the tool of a true mahasiswa. Sometimes lo akan ketemu artikel yang BAGUS, tapi sayang lo harus bayar ke publishernya. Nah, this bypasses that and you can have the PDF for FREEEEEEEEEEEEEEEEEEEEEEEEEE. Add extensionnya https://github.com/allanino/sci-hub-fy
E-book manager like Calibre (for PC and iOS) and Aldiko (for Android) : Pretty self-explanatory karena most of the time mahasiswa tingkat awal itu gak tau cara manage folder di laptop.
m-Banking app from your bank : Sekarang apa-apa sudah serba digital, belom lagi kalau lo butuh bayar-bayar atau patungan sama temen. Dengan adanya mbanking app, lo udah gak butuh ke ATM. Bahkan, sekarang mbanking bisa bayar ke OVO, Gopay, or Shoppee Pay lewat QRIS.
Go-Jek or Grab (and OVO) : Kemana-mana dan bayar apa-apa lebih gampang.
Kartu emoney, Flazz, Brizzi, dan sejenis : Silahkan beli salah satu dari kartu ini untuk kalian yang harus menggunakan moda transportasi seperti KRL atau Transjakarta. Plus, very handy untuk beli air putih di Indo/Alfamart. Kalau bisa yang satu jenis dengan bank kalian, agar top-up dapat dilakukan secara mudah di ATM atau app mbanking (bagi yang memiliki NFC hpnya)
Cheap OEM earphones : You will have some solace from annoying pieces of shit when you're reading or doing assignments. Browse through any ecommerce site and search for "headset samsung/iphone grosir" and buy 10.
Masker : Well, duh.
Zoom/Skype/Hangouts/Microsoft Teams : Please check on your faculty's specification, sekarang lagi pandemi and I don't think you guys are going back to school any soon.
Powerbank : Trust me, you will forget to charge your phone. One powerbank on the ready will be a life saver, especially during late nights.
OpenOfficeorLibreOffice : I do not condone the piracy of a certain word processing software. Get open-source and just relax. Alternatively, you can go all-out with Google's existing apps inside Drive.
JASP : I also do not condone the piracy of a certain statistics software.
Canva : Untuk anak-anak non-design yang gak bisa design, ditambah gak punya duit untuk hire designer (ya menurut lo), please take time to learn Canva. I would recommend GIMP a few years ago, but Canva has been gold standard of designing for non-designers.
Sumatra Reader : Lighter and more superior version of Adobe Reader.
CamScanner : For scanning documents. Available on iOS and Android
Condoms : Just, bring it.
Kartu Perpusnas
MSDN : Kadang Microsoft kerjasama dengan kampus, check on your faculty.
Tar tambah lagiiiii.......
WAJIB PUNYA UNTUK ANAK.....
Teknik
Kalkulator scientific : Bisa cari di toko buku atau e-commerce. Get Texas Instrument or Casio.
KOPI SACHET
Meteran
nanti kali ya
Arsitektur
Kopi sachet yang banyak
Kotak P3K
Penggaris segitiga atau meteran
MIPA
Graphic Calculator
Psikologi
APA Publication Manual : Sebagai S.Psi gua akan menekankan PENTINGNYA MEMILIKI PDF INI DI SEMUA DEVICE ELU. Pelajarin dan cross-check semua style tulis dengan editorial style APA. Dosen PASTI BAKAL PERIKSA GAYA TULISAN ELU DENGAN APA.
KBBI : Dosen Psikologi paling terkenal dengan penulisan dan artikulasi kata, tolong pelajari bentuk baku kata-kata bahasa kita.
3D Brain : Untuk bantu Psiko Abnormal dan Faal.
Hukum
Buku KUHP dan KUHPER, e-book or printed.
Black Law
UU yang berkaitan dengan kelas, e-book or printed.
Printer dengan tinta isi ulang alias nyuntik
CompSci, Teknik Informatika, or Sistem Informatika
Spotify Premium : Check if your school is eligible for student discount! I do not condone using modified APK for Spotify Premium.
Audacity : Boleh lah punya kalau mau coba-coba bikin podcast.
Da Vinci Resolve : Kalian akan sewaktu-waktu dapet tugas buat edit video, either untuk kelas atau organisasi. Ini software open source yang lumayan powerful untuk editing.
SSDs for laptops : This is me speaking from experience, you'll need this if your risk of being in an accident is high. Upgrading to an SSD is 0-1, not only you get great booting and transfer speeds, but your data is almost always protected if amit-amit ketabrak atau laptop kenapa-napa.
Powerstrip : Ini bisa wajib, bisa enggak. Kadang berguna kalau kalian nugas di cafe, tapi kalian gak mati juga kalau gak punya.
Write Monkey : Ini dapat meng-enhance pengalaman kalian menulis, gue menggunakan program ini saat skripsi. Fungsinya cuma satu : Biar nulis lebih enak. Cocok bagi yang jurusannya rajin ngetik. Again, lo gak akan mati kalo gak punya ini.
Eventbrite : Cocok buat yang pengen cari group activities atau seminar gratisan.
TIX.ID : For the time being, jangan ke bioskop dulu. Tapi TIX suka banyak promo buy1get1. Lumayan buat irit duit.
Trello or Asana : Nah, sebenarnya ini wajib untuk orang kantoran (depends industrinya), tapi menurut gua kalau kalian coba aja pelajarin agile project management, mungkin performance group akan lebih naik. Ditambah ini lagi pandemi, nugas akan lebih gampang menurut gua dengan ini. Kakak-kakak yang udah kerja di kantor agile pasti bisa jelasin.
Jobstreet, Kalibrr, JobsDB, Glints : For work opportunities.
Halodoc : Truth be told, this app have saved my life multiple times. I would suggest a healthy diet, but having this on your phone will not hurt one bit.
Pisau lipat Victorinox : Handy untuk yang berencana jadi anak alam atau bocah camping. But basically handy untuk segala situasi, sih.
Aplikasi sekuritas : Bisa mulai belajar, setau gua macem MNC Sekuritas bisa mulai trading dengan Rp100.000.
Discord : Lumayan handy untuk jadi basis chat angkatan. Tapi, mereka lebih cater ke gaming crowd, walaupun fiturnya sebagus Slack Enterprise, tapi entah kenapa susah banget penetrate mainstream user.
To be added later...........
CUKUP TAU
Netflix : Bisa patungan sama temen-temen. I don't suggest buy shady accounts.
Premier League app : Seru loh bikin liga fantasy sama temen-temen.
UK resident got scammed to send money to an Australian bank account. What I did and what to do next?
Hello, I live in England and this is a long post about how I got scammed, presenting my story and asking for advice. Much appreciated to all who go through all of it and send their ideas. Also posted in AusLegal here: https://www.reddit.com/AusLegal/comments/iujgpq/uk_resident_got_scammed_to_send_money_to_an/ So I met a person online, and after chatting a bit she started showing me her gold trading profits. At first I didn't care that much, but she kept showing me profits and I said I wish I knew how to trade like that. She puts me in contact with this person, who is supposed to teach me how to trade. This teacher tells me that I will start with simulated gold trading, and after some time I would move on to real trading. After a couple of days of trading she says I'm ready to trade for real, I say I need more time to do simulated trading. We do another day of simulated trading and she says I'm ready and I should start trading with real money. Hindsight is 20/20, I can't believe what I was thinking. But I did do some checks on these people, like I aske them for pictures of themselves and I google image searched them. No results, not stock images, so I'm like, okay, a good sign. I ask the first person to have a phone call to talk, we do. Okay, fair enough. I ask the first person to send me the link to her design company that she said she owns, and she sends it over. Site is in Chinese but it's filled with a lot of images of homebuilding and some English sentences about home design. I ask her for more photos and it seems okay. I do the same with the "teacher". Google image search, no stock images, no results. I google the platform she's asking me to open an account on, can't find anything about it saying it's a scam. The reviews for the iphone app are mostly 4-5 stars, with people in the reviews complaining that the previous version of the app was better. So after all this, on the 11th of September I transfer the minimum needed to start investing, USD 10,000. I do this by using Transferwise, so I transfer the money in UK pounds to Transferwise (I live in the UK), the money is converted by Transferwise to USD and is send to the scammer's account to an Australian bank on Friday evening. I sleep on it, and next day morning I start panicking, I think my instincts started kicking in, and I do some more research online and I found something similar, not exactly the same scam, but something similar where you meet somebody online, start talking, some people even met with these people, and then they say can teach you or know somebody that can teach you to trade (gold, bitcoin, forex, etc). At that point I really panicked and I realised I got scammed. I try to reach Transferwise, but since it was Saturday, you could only reach them by email, couldn't even call them. I call the bank in Australia, I tell them what happened, I was scammed and the scammers account is with them and I give them the details of the bank account and everything. So literally after a few hours of the money leaving Trasnferwise I contacted the receiving bank. They told me they will pass it on to the Financial Crime team and look into it. I file a report with Action Fraud in the UK, I sent the report number to my bank, to the Australian bank and to Transferwise, but to Transferwise only on Monday when I can contact them again. I search online for some advice, and everybody thinks the best solution is to keep contacting the receiving bank as they could block the account, or the transaction and it could bounce back to Transferwise so I keep doing that. The receiving bank in Australia tells me to contact Transferwise and have them raise a fraud report and to get in contact with the Australian bank. After numerouse calls with Transferwise asking them to contact the receiving bank where I was told there's nothing they can do after the money has left Transferwise, I resort to calling the bank in Australia again. By this point I raised a cyber fraud report with the Australian police as well and sent the report number to the Australian bank. I ask the bank in Australia what is there to do, if they will deny the transfer or do something so that money does not leave the Australian bank account, and they said the Financial Crime team is looking into it, but I could also ask Transferwise to raise a recall request and to contact them, but I say I already did but Transferwise keeps telling me they can't do that. The person from the Australian bank tells me it seems like Transferwise is giving me wrong information. So I decide to call Transferwise again. I reach out to somebody, and they explain it still cannot be done. I'm almost begging them to do it, but they say it cannot be done. I start searching online of any events with TW and recall requests, and I found something where it said Transferwise doesn't want to do it because there's slim chance of getting the money back so they tell customers it cannot be done. I call Transferwise again and push and complain that I think they're just telling me they can't do it just to get rid of me and the person I'm talking to this time says it can actually be done and she'll do that request for me, and she apologises for her colleagues telling me the wrong information previously. I call the Australian bank again to let them know that Transferwise said they will do the recall and if there is anything I can do. They tell me best thing is for me to keep talking to Transferwise, as the Australian bank has done everything it can. Now, Transferwise shows you an estimation in days of how long a transfer will take. I did the transfer on Friday the 11th, and Transferwise estimated that the transfer would be completed by the 16th at 9:30 pm UK time. So doing all this I had some hope that something can happen. Mind you, I called the receiving bank a few hours after the transfer was done by Transferwise, and by their estimate had around 4-5 days until the transfer was complete. I feel like I wasted precious time because Transferwise was not helpful at all, from the start when I raised the scam with them telling me there's nothing they can do, to the moment I had to make around 5 calls just to get them to do the recall request. The 16th passes, the transfer appears complete in Transferwise and I get a message from the scammer that the funds have arrived and I can start trading. I didn't block them because I didn't want to freak them out and withdraw the money immediately it hits their account. I posted my long story here to see if there is something I can do. I had hopes that the Australian bank would block the withdrawal and it would bounce back, or they would block the scammer's account and my money would not be withdrawn and the recall would go through. I also have some hopes that based on what the scammer said today, the money is still in the Australian bank account. I feel like I acted pretty promptly after I realised I got scammed. Contacted the receiving bank, my bank, Transferwise and the authorities both in the UK and Australia. I don't know what else I could have done to get a more positive outcome, but now I'm asking you, the people of this subreddit, is there anything else I can do? Is there a chance the money is still in the scammer's account and the Australian bank has blocked it? Do you guys think Transferwise didn't treat me properly by dismissing me off the bat, and only helping me with the recall request after around 10 calls and pushing? Any advice would be much appreciated. I know I was foolish, I should have trusted my instincts, but I feel I also took some verification steps that I knew from the internet and I contacted every instituion asap after I realised I was scammed, so a few hours after sending the money. TL;DR I got scammed into sending money to an Australian bank account from the UK. What can I do now?
UK resident got scammed to send money to an Australian bank account. What I did and what to do next?
Hello, I live in England and this is a long post about how I got scammed, presenting my story and asking for advice. Much appreciated to all who go through all of it and send their ideas. Also posted in personalfinance here: https://www.reddit.com/personalfinance/comments/iuja16/uk_resident_got_scammed_what_i_did_and_what_to_do/ So I met a person online, and after chatting a bit she started showing me her gold trading profits. At first I didn't care that much, but she kept showing me profits and I said I wish I knew how to trade like that. She puts me in contact with this person, who is supposed to teach me how to trade. This teacher tells me that I will start with simulated gold trading, and after some time I would move on to real trading. After a couple of days of trading she says I'm ready to trade for real, I say I need more time to do simulated trading. We do another day of simulated trading and she says I'm ready and I should start trading with real money. Hindsight is 20/20, I can't believe what I was thinking. But I did do some checks on these people, like I aske them for pictures of themselves and I google image searched them. No results, not stock images, so I'm like, okay, a good sign. I ask the first person to have a phone call to talk, we do. Okay, fair enough. I ask the first person to send me the link to her design company that she said she owns, and she sends it over. Site is in Chinese but it's filled with a lot of images of homebuilding and some English sentences about home design. I ask her for more photos and it seems okay. I do the same with the "teacher". Google image search, no stock images, no results. I google the platform she's asking me to open an account on, can't find anything about it saying it's a scam. The reviews for the iphone app are mostly 4-5 stars, with people in the reviews complaining that the previous version of the app was better. So after all this, on the 11th of September I transfer the minimum needed to start investing, USD 10,000. I do this by using Transferwise, so I transfer the money in UK pounds to Transferwise (I live in the UK), the money is converted by Transferwise to USD and is send to the scammer's account to an Australian bank on Friday evening. I sleep on it, and next day morning I start panicking, I think my instincts started kicking in, and I do some more research online and I found something similar, not exactly the same scam, but something similar where you meet somebody online, start talking, some people even met with these people, and then they say can teach you or know somebody that can teach you to trade (gold, bitcoin, forex, etc). At that point I really panicked and I realised I got scammed. I try to reach Transferwise, but since it was Saturday, you could only reach them by email, couldn't even call them. I call the bank in Australia, I tell them what happened, I was scammed and the scammers account is with them and I give them the details of the bank account and everything. So literally after a few hours of the money leaving Trasnferwise I contacted the receiving bank. They told me they will pass it on to the Financial Crime team and look into it. I file a report with Action Fraud in the UK, I sent the report number to my bank, to the Australian bank and to Transferwise, but to Transferwise only on Monday when I can contact them again. I search online for some advice, and everybody thinks the best solution is to keep contacting the receiving bank as they could block the account, or the transaction and it could bounce back to Transferwise so I keep doing that. The receiving bank in Australia tells me to contact Transferwise and have them raise a fraud report and to get in contact with the Australian bank. After numerouse calls with Transferwise asking them to contact the receiving bank where I was told there's nothing they can do after the money has left Transferwise, I resort to calling the bank in Australia again. By this point I raised a cyber fraud report with the Australian police as well and sent the report number to the Australian bank. I ask the bank in Australia what is there to do, if they will deny the transfer or do something so that money does not leave the Australian bank account, and they said the Financial Crime team is looking into it, but I could also ask Transferwise to raise a recall request and to contact them, but I say I already did but Transferwise keeps telling me they can't do that. The person from the Australian bank tells me it seems like Transferwise is giving me wrong information. So I decide to call Transferwise again. I reach out to somebody, and they explain it still cannot be done. I'm almost begging them to do it, but they say it cannot be done. I start searching online of any events with TW and recall requests, and I found something where it said Transferwise doesn't want to do it because there's slim chance of getting the money back so they tell customers it cannot be done. I call Transferwise again and push and complain that I think they're just telling me they can't do it just to get rid of me and the person I'm talking to this time says it can actually be done and she'll do that request for me, and she apologises for her colleagues telling me the wrong information previously. I call the Australian bank again to let them know that Transferwise said they will do the recall and if there is anything I can do. They tell me best thing is for me to keep talking to Transferwise, as the Australian bank has done everything it can. Now, Transferwise shows you an estimation in days of how long a transfer will take. I did the transfer on Friday the 11th, and Transferwise estimated that the transfer would be completed by the 16th at 9:30 pm UK time. So doing all this I had some hope that something can happen. Mind you, I called the receiving bank a few hours after the transfer was done by Transferwise, and by their estimate had around 4-5 days until the transfer was complete. I feel like I wasted precious time because Transferwise was not helpful at all, from the start when I raised the scam with them telling me there's nothing they can do, to the moment I had to make around 5 calls just to get them to do the recall request. The 16th passes, the transfer appears complete in Transferwise and I get a message from the scammer that the funds have arrived and I can start trading. I didn't block them because I didn't want to freak them out and withdraw the money immediately it hits their account. I posted my long story here to see if there is something I can do. I had hopes that the Australian bank would block the withdrawal and it would bounce back, or they would block the scammer's account and my money would not be withdrawn and the recall would go through. I also have some hopes that based on what the scammer said today, the money is still in the Australian bank account. I feel like I acted pretty promptly after I realised I got scammed. Contacted the receiving bank, my bank, Transferwise and the authorities both in the UK and Australia. I don't know what else I could have done to get a more positive outcome, but now I'm asking you, the people of this subreddit, is there anything else I can do? Is there a chance the money is still in the scammer's account and the Australian bank has blocked it? Do you guys think Transferwise didn't treat me properly by dismissing me off the bat, and only helping me with the recall request after around 10 calls and pushing? Any advice would be much appreciated. I know I was foolish, I should have trusted my instincts, but I feel I also took some verification steps that I knew from the internet and I contacted every instituion asap after I realised I was scammed, so a few hours after sending the money. TL;DR I got scammed into sending money to an Australian bank account from the UK. What can I do now?
UK resident got scammed. What I did and what to do next?
Hello, I live in England and this is a long post about how I got scammed, presenting my story and asking for advice. Much appreciated to all who go through all of it and send their ideas. Also posted in personalfinance here: https://www.reddit.com/personalfinance/comments/iuja16/uk_resident_got_scammed_what_i_did_and_what_to_do/ So I met a person online, and after chatting a bit she started showing me her gold trading profits. At first I didn't care that much, but she kept showing me profits and I said I wish I knew how to trade like that. She puts me in contact with this person, who is supposed to teach me how to trade. This teacher tells me that I will start with simulated gold trading, and after some time I would move on to real trading. After a couple of days of trading she says I'm ready to trade for real, I say I need more time to do simulated trading. We do another day of simulated trading and she says I'm ready and I should start trading with real money. Hindsight is 20/20, I can't believe what I was thinking. But I did do some checks on these people, like I asked them for pictures of themselves and I google image searched them. No results, not stock images, so I'm like, okay, a good sign. I ask the first person to have a phone call to talk, we do. Okay, fair enough. I ask the first person to send me the link to her design company that she said she owns, and she sends it over. Site is in Chinese but it's filled with a lot of images of homebuilding and some English sentences about home design. I ask her for more photos and it seems okay. I do the same with the "teacher". Google image search, no stock images, no results. I google the platform she's asking me to open an account on, can't find anything about it saying it's a scam. The reviews for the iphone app are mostly 4-5 stars, with people in the reviews complaining that the previous version of the app was better. So after all this, on the 11th of September I transfer the minimum needed to start investing, USD 10,000. I do this by using Transferwise, so I transfer the money in UK pounds to Transferwise (I live in the UK), the money is converted by Transferwise to USD and is send to the scammer's account to an Australian bank on Friday evening. I sleep on it, and next day morning I start panicking, I think my instincts started kicking in, and I do some more research online and I found something similar, not exactly the same scam, but something similar where you meet somebody online, start talking, some people even met with these people, and then they say can teach you or know somebody that can teach you to trade (gold, bitcoin, forex, etc). At that point I really panicked and I realised I got scammed. I try to reach Transferwise, but since it was Saturday, you could only reach them by email, couldn't even call them. I call the bank in Australia, I tell them what happened, I was scammed and the scammers account is with them and I give them the details of the bank account and everything. So literally after a few hours of the money leaving Trasnferwise I contacted the receiving bank. They told me they will pass it on to the Financial Crime team and look into it. I file a report with Action Fraud in the UK, I sent the report number to my bank, to the Australian bank and to Transferwise, but to Transferwise only on Monday when I can contact them again. I search online for some advice, and everybody thinks the best solution is to keep contacting the receiving bank as they could block the account, or the transaction and it could bounce back to Transferwise so I keep doing that. The receiving bank in Australia tells me to contact Transferwise and have them raise a fraud report and to get in contact with the Australian bank. After numerouse calls with Transferwise asking them to contact the receiving bank where I was told there's nothing they can do after the money has left Transferwise, I resort to calling the bank in Australia again. By this point I raised a cyber fraud report with the Australian police as well and sent the report number to the Australian bank. I ask the bank in Australia what is there to do, if they will deny the transfer or do something so that money does not leave the Australian bank account, and they said the Financial Crime team is looking into it, but I could also ask Transferwise to raise a recall request and to contact them, but I say I already did but Transferwise keeps telling me they can't do that. The person from the Australian bank tells me it seems like Transferwise is giving me wrong information. So I decide to call Transferwise again. I reach out to somebody, and they explain it still cannot be done. I'm almost begging them to do it, but they say it cannot be done. I start searching online of any events with TW and recall requests, and I found something where it said Transferwise doesn't want to do it because there's slim chance of getting the money back so they tell customers it cannot be done. I call Transferwise again and push and complain that I think they're just telling me they can't do it just to get rid of me and the person I'm talking to this time says it can actually be done and she'll do that request for me, and she apologises for her colleagues telling me the wrong information previously. I call the Australian bank again to let them know that Transferwise said they will do the recall and if there is anything I can do. They tell me best thing is for me to keep talking to Transferwise, as the Australian bank has done everything it can. Now, Transferwise shows you an estimation in days of how long a transfer will take. I did the transfer on Friday the 11th, and Transferwise estimated that the transfer would be completed by the 16th at 9:30 pm UK time. So doing all this I had some hope that something can happen. Mind you, I called the receiving bank a few hours after the transfer was done by Transferwise, and by their estimate had around 4-5 days until the transfer was complete. I feel like I wasted precious time because Transferwise was not helpful at all, from the start when I raised the scam with them telling me there's nothing they can do, to the moment I had to make around 5 calls just to get them to do the recall request. The 16th passes, the transfer appears complete in Transferwise and I get a message from the scammer that the funds have arrived and I can start trading. I didn't block them because I didn't want to freak them out and withdraw the money immediately it hits their account. I posted my long story here to see if there is something I can do. I had hopes that the Australian bank would block the withdrawal and it would bounce back, or they would block the scammer's account and my money would not be withdrawn and the recall would go through. I also have some hopes that based on what the scammer said today, the money is still in the Australian bank account. I feel like I acted pretty promptly after I realised I got scammed. Contacted the receiving bank, my bank, Transferwise and the authorities both in the UK and Australia. I don't know what else I could have done to get a more positive outcome, but now I'm asking you, the people of this subreddit, is there anything else I can do? Is there a chance the money is still in the scammer's account and the Australian bank has blocked it? Do you guys think Transferwise didn't treat me properly by dismissing me off the bat, and only helping me with the recall request after around 10 calls and pushing? Any advice would be much appreciated. I know I was foolish, I should have trusted my instincts, but I feel I also took some verification steps that I knew from the internet and I contacted every instituion asap after I realised I was scammed, so a few hours after sending the money. TL;DR I got scammed into sending money to an Australian bank account from the UK. What can I do now?
Why traditional exchanges will not convert to OMG and why it doesn't matter
Something that keeps coming up is the idea that OMG will grab a slice of forex and crypto trading. In this rather excellent post Civilian- suggests that OMG might grab a slice of the daily 3 trillion forex trade and the yearly 10 trillion Crypto Exchange Trade. This type of speculation has been further stoked by the news that MUFG (a partner of Omise) is planning to build an exchange and maybe they will build it on OMG... I’ve promised a few folks here on the omise_go subreddit that I would explain why that is highly unlikely to happen as expected... and also to explain why that does not matter. As you read through this, you may get a little disheartened, but don’t, because I’ve got some great news at the end that makes up for the debbie downer stuff at the start. HFT The first important point to note is that most exchange liquidity is created by high frequency trading HFT. These HFT bots are always running. They make trades every second. With each trade they try to gain just a fraction of a percentage point and as a result they usually make large trades to make money on those very small gains. This means that just about any time a regular day trader wants to make a trade it is instantly snapped up. Which is great for day traders! There are many HFT companies that are market makers and collectively give electronic marketplaces huge amounts of liquidity. The world of HFT is conducted in milliseconds. Trades MUST be able to execute within the shortest time possible (sub 1 second end-to-end). It is, after all, computer against computer. This is why many HFT companies pay huge amounts of money to get the fastest possible connection to an exchange. In many cases they even get an office right next to the exchange and wire a fiber through the wall, directly to the exchange’s network, to try to get a competitive advantage. So, to recap, HFT traders are market makers, they create the liquidity that makes it very convenient for other traders to be on the system. Confirmations For a transaction to complete on a DEX like OMG, it must be confirmed by multiple nodes. Each node will be at a different location in the world. We don’t know how distributed nodes will be geographically, but, presumably there will be enough distance to help add security to the network. Perhaps different cities, different countries, or, at the very least different regions of the same city. You can imagine how a network like that could not work very well for HFT... based on the simple constraint of the speed of light! In the traditional model the HFT firms buy a single direct connection to a centralized exchange with a ping time of 10ms. When they place the trade no confirmations are required. So just one wire and one api endpoint and a few milliseconds. If they try to make that same trade on a DEX the trade would require multiple nodes to be discovered and confirm the transaction with each node incurring it’s own 100ms? 200ms? network latency. It seems almost impossible to imagine a system like that enabling sub second trades end-to-end. Reason #1 So, DEX confimrtatons and network latencey is reason #1 why it is very unlikely any traditional exchange would move to run on the OMG network. After all, they would jeopardize their relationship with HFT traders and the fees they bring. They would also jeopardize the liquidity that their other customers rely on so much. You may say, but wait, the OMG DEX will give them the liquidity they need, but that is a moot point because a) for them it will be unproven and b) they will not want to lose the huge amount of revenue they make from HFT to another exchange that didn’t switch. Keep in mind the bulk of the 3 trillion daily trading is created by these types of exchanges. Exchange Architecture I’m not sure if this is common knowledge, but running an exchange can be disgustingly lucrative. The per trade cost is basically zero. This is due to the core architecture of an exchange. Essentially, when fiat or crypto is deposited into an exchange, it goes into a large global wallet that the exchange owns. Then a number of that same amount is assigned to a customer record. From that point forward all the “trading” is simply swapping numbers in a database. There is no actual money, or value, of any kind swapping hands per trade. The money remains in the large global wallet and is not touched. For example, at its most basic, the database code it takes to make a single trade might look something like this:
UPDATE customers SET USDT = USDT - 25 WHERE customer_id = 1; UPDATE customers SET OMG = OMG + 1 WHERE customer_id = 1;
Those two simple SQL statements tell a database to subtract 25 and add 1 to a customer record. In this case the record says USDT and OMG but don’t let that fool you, it’s not really USDT or OMG it’s just database columns, with convenient names. Additionally, for every trade something like this happens:
UPDATE customers SET USDT = USDT - (25 * 0.0025) WHERE customer_id = 1; UPDATE exchange_profits SET USDT = USDT + (25 * 0.0025);
THAT is the exchange taking a 0.25% fee per trade. For example, yesterday bittrex (the 7th busiest crypto exchange) did a total volume of $1,027,873,751. We can calculate how much they made by doing this:
VOLUME * 1.0025 = TOTAL VOLUME - TOTAL = PROFIT
So, from their 0.25% Bittrex made $2,569,684 yesterday. Ignoring the fact that a DEX is not fast enough for HFT trading, let’s imagine that bittrex did decide to run on the OMG network. In this case Bittrex could use the OMG infrastructure and add a surcharge on top of every trade. Let’s imagine a best case scenario that OMG trades cost 0.1% per trade and that Bittrex could then add 0.15% on top. This means that Bittrex would be losing $1,027,8737 per day vs what they could be making by running their own infrastructure. Reason #2 I hope you can see there is no “infrastructure savings” that OMG could bring that could offset the level of profit exchanges make. With the amount of money that exchanges make they can easily hire developers to fix any scaling issues or other technical problems that they may have. All that is to say, loss of profits is reason #2 why it is very unlikely that any existing exchange would switch to run on the OMG network. This is also why it is highly unlikely a traditional bank like MUFG would build a new exchange on the OMG network. Why would they? When they can literally make billions of dollars of extra profit by running it on their own infrastructure! Disruption Patterns So, right about now, you’re probably feeling depressed because it feels like we just lost trillions and trillions of earning potential from our beloved OMG :( Well, let’s talk about why that doesn’t matter by looking at patterns of disruption... Many people think Uber makes all it’s money by replacing Taxis. Wrong! They made it so easy, cheap and addictive to use on-demand transportat that customers use Uber in ways that they never used Taxis. For example, before Uber came along I personally used Taxis about one time a year but now I use Uber about 4 times a week! Uber created a completely new market. Very few people ever used Taxis 4 times a week but, now, lots of people use Uber 4 times a week. This equates to a staggering amount of new money that has nothing to do with “replacing” Taxis. The same pattern can be seen with Slack. Before Slack came along there were plenty of competitors doing what Slack did. Sure Slack took some of that business away, but the real money they made was by bringing in hundreds of thousands of new companies who had never used a product like that. They just made Slack so easy to get started with and then so easy to continue to use. Even my mum uses slack! The same can be said for Google. Google literally brought a whole new set of people to the internet because it made it easy to find stuff. OMG Disruptions It’s a little bit difficult to see where or how disruption might play out. For example, Microsoft always had the lofty goal of everyone getting a computer. But, it was actually the iPhone that ended up being the reason (and disruption) that caused everyone to get a computer. For this reason it’s hard to predict specifically where OMG might take us and what new markets will come to exist because of it. That said, one thing that a lot of disruptions to have in common is that they make something easier and/or cheaper. So, perhaps if we explore what OMG makes easier and cheaper, we might get some ideas of new markets it could create. Easier for Developers In the same way that etherium makes it easy to create new alt-coins and as a result we have LOTS of alt-coins now. The OMG network and SDK will make it easier to build... exchanges… like Bittrex! Now, don’t get mad at me. I know I just convinced you that exchanges won’t be run on OMG... but I was talking about existing exchanges not new ones created by indie developers. OMG makes it wayyy easier for a solo indie developers to build something like an exchange because all they need to do is build the front end and plug it into OMG. It would not be useful for HFT traders. It would not rake in the kind of profits that Bittrex does. It may even only make $1.99 in the app store. But, that is still worth it to an indie developer! In this way, hundreds, or perhaps even thousands, of new exchange style apps will be created that run on the OMG network. There are many reasons that a consumer might use an app like this vs Bittrex. For example, if exchange fees were 0.1%. Or if the app had automation built in. Or perhaps the app had a UI that was much more pleasing to use. In the same way that Uber created a whole new type of transportation customer, these new apps might create a new type of crypto and forex trader. Of course, it will not just be exchange apps that OMG makes easier for developers, but since that is what we are talking about, that is why I mentioned it. Other things that will be easier will be cross border payments, cross cilo payments (paypal -> venmo), cross currency payments, in game payments, etc. Each new type of “easiness” that is passed on to developers will end up spawning a new set of apps and markets. Easier for Consumers The simple fact of being able to easily move money around will create thousands of possibilities. Far to many to mention here. Cheaper for Consumers Nothing is better than cheaper AND easier. With OMG we get a lot of that. Also, too many possibilities to mention here. Perhaps that should be another post... Conclusion HODL
Some of the NEX team went through the questions asked a couple of days ago, but due to the answers being posted sporadically, i thought it might be better collating answers and reposting for visibility! I highly recommend reading through if you are interested in NEX! NEX team marked as U = u/Unignorant, C = u/Canesin, L = u/Localalhost_coz Original post here Q: What is the NEX marketing plan to grow in terms of a customer base ? And how far is the team away from a finished product? During most of the interviews I noticed the team reference comparison to Binance, how does the interface match binance in a decentralized environment? (u/sheldonbraganza) (U)We will have a complete product out on TestNet in Q2, and a fully working cross-chain exchange on the NEO and Ethereum networks in Q3. NEX is marketing to two primary groups of users: (1) Mainstream users who want an easier experience buying altcoins with cryptocurrency. Through our network of banking partners, we will make it easy for anyone in the world to buy tokens on NEO, ETH (and eventually other chains) using their national currencies. (2) Bots and traders: we aim to have best-in-class trading APIs for high performance, computational trading. We will have better and faster APIs than today's centralized exchanges, with the added benefit of these systems running on decentralized networks The point of our off-chain matching engine tech is to enable the same (or better!) usability as an exchange like Binance, while keeping around the decentralized model. The off-chain engine makes trading just as performant as today's centralized exchanges, and makes it much easier to support the kind of cross-chain trading functionality that has long been a pipe dream for decentralized exchanges. We are very much inspired by other exchanges like Coinbase in this regard, and we will be the first DEX to achieve this. (C) Just to remember that NEX is also going after costumers that usually are not considered by other exchanges with its features to facilitate peer to peer payments requests, invoicing and tipping/gifts. Q:Can you elaborate on NEX staking? The whitepaper was fuzzy about it and had terms like "staking percentage". (u/r3dh4r7) (U) The NEX staking rate will be from 25-75%. Committing to stake for one day gives a rate of 25%, which increases linearly to a rate of 75% if you are willing to stake for 2 years By staking rate, we mean the percentage of revenue you will get from NEX fee collection proportional to the tokens you hold. For example, if you hold 10% of all NEX tokens and are staking at a rate of 75%, then you will receive .10 * .75 = 7.5% of all fee revenue generated by NEX over that period. We will confirm these details in an updated white paper release coming out today or tomorrow. ~ If you commit for two years, the first year will still be at 75%. Q:How soon do you introduce Fiat pairs? (u/coinonymous1) (U) Our network of banking partners will begin to go live in Q2. That means users will be able to enter the ecosystem with national currencies through the NEX extension and web-based exchange interface. (C) To clarify, this are not direct trading pairs on the exchange itself (i.e. JPY/NEX) but a easy method to on ramp and cashout using the tools. Users will be able to acquire NEO and GAS with fiat and any other tokens traded at NEX will be using the exchange itself. Q: The chrome extension is great but why should I still rely on desktop to access NEX interface ? When can we expect Iphone/ Android App? (u/cryptobuddy_1712) (U) We are planning native android/iOS apps. Depending on how fast we can grow, they may be out by Q3. (C) Mobile presence is a complex topic, depending of how much of the full experience you want to provide - that will depend on the support shown by 3rd party wallets, if they adopt NEX APIs. Q: Will you guys be supporting Ledger integration any time soon? Nex chrome add-on, Nex exchange integration...?! Plans to list the Nex token on other exchanges before the release of your own? What are the plans to continue supporting Neon wallet now that Nex came out with their extension for chrome? Will Nex exchange introduce fiat deposits/withdrawals? (u/mihai_ss) (U) Yes, ledger is on the roadmap. We cannot comment on other exchange listings right now. We love and will continue to support Neon wallet (you are speaking to its creator :) as a great desktop wallet and complementary partner to our extension. NEX will support national currencies in/out of the exchange through our network of banking partners. (C) Not only ledger but hardware wallets in general. Ledger is priority currently given that it is quite popular in NEO. We have to have in mind that NEX is trying to do a lot of different things to make usage easier to new users (that probably don't have a ledger!), there is currently about 96k users of it (more than this sub) so we will focus on fixing the corner cases and issues that appears frequently with such large user base first. Q:More and more people are using mobile apps for trading. Don't you think nex should also have its own iOS and Android app. Are the API being developed future proof to integrate with mobile apps for trading and seeing candle charts. (u/Cryptobanku) (U) We agree with the power for mobile, and future proofing the API is 100% on our mind. Longer term, we are planning native iOS/android apps. Q:So NEX is a security right? What does that mean exactly? The Token only will be available on the neon exchange? In order to get the exchange dividends are we gonna be forced to put our tokens on stake mode? If so, once we put our tokens on stake mode does that mean we are not gonna be able to move them or sell them for a specific period of time? (u/sersimovi) (U) NEX is a registered European security. It will be traded on NEX exchange, but that is not the only place it will be traded (I cannot say more than that right now). Being a registered security is amazing for investors. It means that all of the sketchy things that so often happen with cryprocurrencies/tokens (things like market manipulation or insider trading) are made explicitly illegal. It also means that we, as a company, go through an extensive audit. For that, we have partnered with the top tier accounting firm Ernst and Young. The staking model means that you commit to staking your NEX for a certain amount of time to receive a share of fee revenue. The minimum amount of time you can stake NEX is one day. The maximum time you can stake is two years. While staked, you cannot move or sell the NEX tokens. (C) All that plus the investor don't need to fear it will crash because someone classified it as a security in the future. Q:When will the official sale date be announced and when will the official tokens per neo be determined? (u/rborsb9) (L) We are still working with our legal partners to determine a final sale date, but it will be sometime at the end of April. The tokens per Neo/Gas will be determined from the 10 day moving average of the price before the sale begins. Q:What do you think sets NEX apart from the countless other DEXs that are starting up right now? Why should people invest in NEX vs Switcheo/Etherdelta/Binance(once they release)? (U) NEX will be the first usable, performant, and cross-chain DEX. Out of all the exchanges you mentioned, none of them are using an off-chain matching engine, which quite simply means none of them can do what we are doing. In addition to that, NEX has by far the most generous revenue share model of any exchange you have mentioned. This is because we are embracing being a security (not hiding behind some questionably legal utility token). The people who invest in us will be treated very well by this model. As for competitors: Switcheo unfortunately doesn't work. There is no volume, and the SC is broken (or at least didn't work when I tried it; the transaction failed and it stole the small amount of GAS I tried to trade). Etherdelta has higher volume but still ridiculously low overall. And again, just try to use Etherdelta... it is a usability disaster. There is really no comparison here. Binance might do something interesting, if they decide to do anything. But we have better technical talent than Binance, so I am not too worried. Q:What % volume neon exchange will support compared with top centralized exchanges? Thanks big neo fan! (u/myfriendbaubau) (U) We will support just as much volume as today's centralized exchanges. Q: Will NEX have a stable coin? (u/masi252) (U) We have looked into various implementations and ideas surrounding stable coins and have determined that it is not something we are planning on doing in the near future. Cont: What about when Alchemint releases? (u/Bing0to) (C) We wanted to do a fundamental strong stable coin that was capital efficient. Unfortunately there is some pre-requisites for that to be possible that currently is lacking in crypto markets. We will continue to monitor how this space evolves and our ideas are stored waiting the future when they can be applied. Q:Can we expect the erc20 token trading earlier than q3? (u/markerizza) (U) Q3 is the current roadmap projection. It is possible it will happen earlier depending on our growth. Q: Will the token sale be via smart contract, so that we recieve our tokens right away? (u/Ebrii) (U) Yes Q: will you guys have an official subreddit and telegram anytime soon? (u/markerizza) (U) No, we dislike the idea of project oriented telegrams. There are too many opportunities for scammers. We may have a subreddit in the future, but not anytime soon. Q: What is the plan to get liquidity on the platform? It seems to be the biggest problem with current DEXs. (u/Mutedtommy) (U) We have strategic partnerships for this. We are also working with other partners to develop some nice APIs for high performance trading. Q: On the site you say that the ORIGINAL winners can participate in the second round (9000$) options, do you mean only the first round lottery winners or the first and second round winners combined? (u/FrancoisFrancis) (U) Any lottery winners (whether first or second draw) have the opportunity to participate in both rounds 1 and 2. Please see this medium post for clarification: https://medium.com/neon-exchange/nex-extension-and-lottery-q-a-667e56f58e4a Q: If you chose to participate in round 2 from the KYC process, does that mean you are guaranteed a spot? The medium article seems to indicate there will be an additional lottery from those who selected that option to see who from round one is eligible for round 2. (u/DwyerMatt) No one is guaranteed a spot in round 2. It is even possible (though extremely unlikely) that all NEX is sold out in round one. This would happen if everyone who is selected goes through KYC and participates at 100%. (U) Q: Will NEX tokens only be tradeable on NEX or is there a chance of it being listed on other exchanges like Binance? (u/Frank_Sinatra88) (U) See an answer above. Not just NEX, but I can't say more than that right now. Q: How do you see NEO compare to other coins on its network ? Like another coin could be valued more than NEO itself ? And will NEX always be bound to NEO? (u/BN_Boi) (U) It is unlikely but possible that a NEP5 token could eventually achieve a higher marketcap than NEO itself. NEX is not bound to NEO much at all. Our token will live as a NEP5 on NEO, and that is how users will receive staking rewards, but we will support trading very early on Ethereum as well. (C) Google runs atop of other companies infrastructure (telecom providers), but it is valued more than all of them. The same thing can (and probably will) happen in token land, it will just take a while - when infrastructure becomes less important than applications and platforms atop of it. Like with the internet. NEX behind the scenes (as the DEX is cross-chain from start) is using NEO capabilities, but the future of both is broad and uncertain. As a long term strategy the NEX company will do what it can to improve its underling technology and remove risk from its business. Q: Is there a vesting period for the half of available NEX tokens that will not be sold during the ICO? (u/ETHERjimbo) (U) The founder and employee tokens (25%) will vest over two years. Q: Whitepaper uses an example $100m in the fee distribution calculation. If NEX is truly a security token and the whitepaper is your prospectus then you must provide further data on fwd looking statements. The NEX token gives the right to fee distribution. Given this you must provide assumption based forecasts on expedited fees over the next 3 years. This will support price discovery. How can the market properly price the token when fee expectations are unknown.(u/nsheahan82) (C) Fee structure is defined on whitepaper and version v1.1 contains a example section as stated. Version v2.0 (to be released very soon) contains the actual staking portion (25% to 75% linear over two years growth on staking). Guess work on the volume would in reality be very indigenous, look at volume behavior market wise (https://coinmarketcap.com/currencies/bitcoin/#charts) so much variation. Following the 3 years trend we could say trading volume will be bigger than the world economy, clearly that is not happening. Q: Would NEX Staking be a 50% or 75% as stated on the whitepaper? (u/GMDaddy) (C)See answer above, it starts at 25% and goes up to 75%. The increase is linear and maximum period is 2 years. Cont: By linear, you mean like as an option where the user has the choice on picking whether to stake it from 25% up into 75%? (C)No, when you start staking it starts at 25% and by linear I mean it increases at a constant rate of about 2.08% per month for two years until it reach 75%. (U)To clarify fabio's comment: yes, you can choose a fixed rate of 75% by committing to stake for two years. Q: A massive attraction to NEX is the prospect of decentralised banking. What makes decentralised banking better than traditional banking? (u/kabelofthe3rd) (C)Our goal is to facilitate crypto trading at large, this touches from usage of applications to investing passing by funds management and invoicing solutions. What this enables is a digital cashless economy, we call it the smart economy. In the smart economy users are in control of their funds using this advanced technological tools to perform the tasks above and current banking solutions are no longer needed.
Q: Once NEX is rolled out, what will be the easiest way for US residents to buy some stake? I'm aware it's going to be issued as a security so I'm thinking the NEX token will only be tradable on NEX itself because most non decentralized exchanges will not list security's or tokens that don't pass the Howet Test. Is this correct?(u/Cozmo525)
(C)You are correct, for US persons you will need to wait other licensed exchanges list NEX or we acquire the proper licenses to allow US people to trade securities. Whatever happens first =) Q: Can I stake only NEX or also other Token f.e. NEO? (u/masi252) (C) NEO doesn't need to be staked, you already can claim GAS on NEX extension. Q: How do you plan to compete with Switcheo when they have first movers advantage and will be live for months before your platform will be? (u/toneeey1) (C)We plan to compete with anyone in our market by providing better products. Q: Will TNC be utilized? (u/molly1nora) (C)That is not planned, NEX has it own custom scaling solutions already in development. Q: Do you see exchanges not listing NEX, due to the fact that you guys are direct competition? (u/detnah) (C)That is a tricky question, I believe competition will not be with every exchange - in special centralized ones, as CEX they will more focused in national markets and we are going after broad chain level trade. Q: Is there a chance in the future you will also introduce other coins to the exchange sich as ERC-20 tokens etc? If so you'd blow all competition out the water. (u/Frank_Sinatra88) (C)Yes, ERC-20 tokens will be supported by Q3 together with NEP-5. Q: Will NEX APIs support mobile Dapps or Wallets? (u/johndon96) (C)Both, APIs are in general not target to a specific application, is up to the developers to use it in their products. Q: What are the team's plans to make NEX the best decentralized exchange and one of the best projects ever released? (u/its_me_TAG) (C)We will be working close to our costumers, never afraid of breaking status quo and never ending improvements. NEX will never be done. Q: Are there any plans to open up some Nex-Stores in several spots around the Globe? (u/michaeluebelhart) (C)No, but will have a online swag store :D Q: Is it possible that in the long future to have forex pairs listed on NEX? (u/BR8889) (C)In a future where fiat has token representations or stable coins are indeed stable. Q: When will we see the updated Whitepaper? (I know for example that you plan to integrate ERC20 tokens earlier than mentioned in the original Whitepaper) (u/mambor) (C) Target is this weekend. We could delay if redacting detects things that should be changed/improved. Q: What is your go-to-market strategy? (u/Dux_AMS) (C) We already have >100k users. ;)
Please help linking FOREX.com account to the MetaTrader4 app for iPhone!
I love to trade. But I don’t like the app for the broker I’m using(FOREX.com) and I’ve been using a demo account on the MetaTrader4 app for the iPhone and I love it! Is there any way to my FOREX.com account to the MT4 app so I can use MT4 charts? Thank you in advance!!
Why can't I log out of the app? Or a unicorn has appeared.
I work at a large-ish forex trading company($FX) as a customer support representative. We place high value on customer care, so we don't have any calls per hour quotas to meet, which means we might sometimes get to sit on a call for an hour or two while we attempt to solve whatever issue the clients are facing. It's actually a pretty fun job. This tale is from a few months ago, when I just started working there. A Tech Savvy Customer($TSC) calls in with an issue regarding one of our mobile trading apps, and I get to pick up the call. I sign into my workstation, and about a minute after I turn the phone on, I get a call. "This is going to be a great day." I think and pick up the call.
$Me: "Welcome to $FX, can I have your account number?" $TSC: "It's 1111111. I have an issue with my mobile trading app. The app updated a couple of days ago, and ever since the update my account won't get logged unless if I kill the app through the task manager." $Me: Now this might be interesting. I get a pen and paper ready to write down all the relevant information (Personal preference. I summarize everything after I end the call) $Me: "OK, can you tell me the brand and OS version of your phone?"
Shockingly, he knows how to get the relevant details. This might be a unicorn.
$TSC: "S5 Edge, android 5.1" $Me: "Alright. Can you please describe the issue in detail?" $TSC: "Yeah: After logging off my account, I get to the login screen. So far so good. When I press the home button, I get the icon at the top showing that the app is running. If I open it, I'm logged into my account again. Same if I launch it through the main menu or the play store. I sent you guys an email a couple minutes ago with screenshots and a more detailed explanation, can you confirm you've received it?" $Me: Scribbling furiously " One moment please" Hold. I raise my head and ask around, "Hey guys, did one of you spot an email from $TSV's email address in the past half hour?" $Other reps: "Nope." $Me: Le sigh. Resume call "Thank you for holding, unfortunately we didn't get the email. Could you send it to $Me@$FX.com?" $TSC: "Yeah, give me a sec. I don't actually mind myself, but there are people who don't lock their phones or leave it with unsupervised children. Someone might get royally screwed over this." $Me: Ding "You're absolutely right sir. I just received your email. I'll forward it to our QA and technical teams to have a look." $TSC: "Cool, thanks." Hangs up $Me: Yeah, screw you too
So I look through the screenshots and explanation... I swear, the guy either used to work QA or is currently working as a QA. Damned thing looks more detailed than most professional bug reports I've seen. So I start writing a ticket to our RND team, but I figure I'll also try and replicate the issue. I can't stress enough how much leeway we get when dealing with customers, and if something like this happens a rep may go missing for the rest of the day. I sign off the phone, and steal a few phones from my fellow reps, both iPhones and Androids. I got lucky with 2 phones that didn't have auto updates running, so they had an older version which didn't have the issue. But as soon as I updated it? Yup, not logging out. I change the severity of the still unopened ticket to critical, and write a tl;dr in the ticket notes, along with the phone models and version numbers I replicated it on. Ticket sent, and I get the level 2 tech that was assigned to it on the phone.
$Me: "Hey, so this issue was spotted by a client. I replicated it on 5 different devices. All get the same issue." $L2T: "Yeah, saw the ticket. You're CCed on any updates about this. You'll need to follow up on this with the client once it's done." $Me: "Really?" $L2T: "Yeah, the rep who catches the issue does all the follow ups until resolution." $Me: Sounds fun. $L2T: "Cheers"
A few days pass, and I finally get an update
Ticket closed. ask the customer to update his app
So I do just that. While waiting for him to puck up I check it on my own phone. Looks like it's fixed.
$TSC: "Hello?" $Me: "Hello, this is $Me from $FX. I'm following up on an issue you had with your mobile app?" $TSC: "Yeah, it's working fine. Thanks."
Awesome client. Made me feel utterly useless. Moral of the story? Some customers use CS reps as a human ricketing system. This is one of maybe 3 cases where I didn't actually do anything at all.
Introduction to investing as a U.S. citizen residing in Japan
[meta: I ask for help in making sure this information is accurate and correct. Please contribute as you see fit!] WARNING!! I am not a lawyer, accountant, or broker, nor do I have any experience or training in any of those fields. ALWAYS confirm with a professional before taking any advice you read on the internet. Foreward If you're old enough to pay taxes, you should start investing. The earlier, the better.
Here’s another example to illustrate the enormous benefit of getting an early start. At age 25, Eric Early invests $4,000 per year in a Roth IRA for 10 years and stops investing. His total investment is $40,000. Larry Lately makes yearly deposits of $4,000 in his Roth IRA starting at age 35 for 30 years. His total investment is $120,000. Assuming both portfolios earn an 8 percent average annual return, at age 65, Eric’s IRA will be worth $629,741, but Larry’s IRA will be worth only $489,383. By starting 10 years earlier and making one third of the investment, Eric ends up with 29 percent more.
- quote from "The Boglehead's Guide to Investing" Target audience This is an introduction for U.S. citizens with residency in Japan who want to do long-term investing in U.S. equity (stocks, bonds, etc.). Disclaimer This advice may not be accurate for citizens of countries other than the U.S. or for those U.S. citizens living in Japan who work for the military or are only temporarily living and working in Japan as affiliated with a U.S. company. This is also not advice for ForEx or day traders looking to make money. Nor is it advice for what to invest in. This is also not advice for investing in the Japanese stock market. This is just one way to invest in U.S. equity from Japan. There are other ways. Assumptions
You're a U.S. citizen
Your income is in JPY
You want to invest in U.S. equity (stock market, bond market, etc)
You have basic knowledge about taxes and tax-related terms
You have at least $10,000 USD to invest (or $3,000 USD if age 25 or younger)
Background I am an ordinary guy living in Japan. I have disposable income and, rather than pour all of it into my local izakaya and Philipino hookers (who hang out in front of Mister Donut at night and ask if I "want the massage?" (just kidding, really!)), I wanted to invest in my future by saving for retirement. I'm an early 30's-year-old guy and spent about a month reading up on investing and then set off trying to invest as a resident of Japan. My Story I moved to Japan 3 years ago after working in the U.S. I have an IRA leftover from my time in the U.S., but never contributed to it since moving to Japan (thankfully - find out why in a bit). I recently saw a post from /personalfinance (seriously, go read information in that sub if you want to have more money upon retirement or just get out of debt!) and decided to read the book "The Boglehead's Guide to Investing" based on recommendations there. After that, I started looking into my options for investing from Japan. Before I left the U.S. for Japan, I rolled over my 401k into an IRA using Vanguard (arguably the best broker available for U.S. citizens). Since moving to Japan, I had not contributed anything to my IRA. So, the first thing I wanted to do was start contributing to my IRA again, and use any remainder to invest in U.S. equity. Turns out this is not as easy as it sounds. I found out that in order to legally contribute to my IRA, I had to pay U.S. taxes on my income used to contribute to it. Well, if you're like me and don't make an awful lot of money, you're probably filing with Foreign Tax Credit/IRS Foreign Earned Income Exclusion. This stuff basically let's you deduct all your taxes in Japan, as it on Japanese income and you already paid glorious Nippon taxes on that income. For me, this basically meant that I owed the IRS absolutely nothing every year. Great! Right? Buuuuut since I didn't pay any U.S. tax on my income, I cannot use it to contribute to my IRA! Dammit! (But actually a blessing in disguise because if I had been contributing to my IRA, I would have been breaking U.S. tax law because I didn't pay taxes on it.) So, I started looking into other ways to invest: the U.S. stock market, bonds, etc. After reading The Boglehead's Guide, I knew I wanted to invest in Vanguard's mutual index funds. My first instinct was to open a brokerage account (which is different from your IRA account) with Vanguard. I started filling out the online form, but ran into issues. You have to specify a U.S. address. Also, you have to specify your U.S. employer. I had neither of these, so I called Vanguard (from Japan at a ridiculous call charge) and spoke with someone about doing this. They gave me the OK but said I'd have to submit a paper form through snail mail, and sent me a PDF to fill out and mail in. I mailed it (from Japan using EMS which was like $20..), and got a call about a week later. Surprise! Because I'm not working in Japan temporarily for a U.S. company or living on a U.S. military base (considered U.S. soil, I assume?), I actually can't open a brokerage account with them. Dammit again! What a waste of money calling them and mailing the form overseas. So, I started looking into other options. I read about a few other brokers and most people agreed that I should either use Fidelity or Interactive Brokers. I had never heard of Interactive Brokers and honestly they seemed scary at first, so I decided to go with Fidelity, who I had actually heard of and is a U.S. based firm. I created an account with Fidelity, but once again ran into roadblocks when trying to open a stock trading account. I didn't have a U.S. address or employer, and actually wasn't able to link my U.S. bank account with them either (for reasons unknown). Dammit once again! So, I started reading more about Interactive Brokers. Okay, it's still a little scary, but there are positive reports about using them online. I signed up for an account with minimal hassle, linked up my bank account, was able to transfer money over to them, and then successfully bought U.S. shares! Sweet success! Finally!
How to Invest
Part I: Contributing to your IRA If you do not have an IRA, you probably should, as they are your basic investment option and tax-friendly to boot. However, good luck setting one up as a resident in Japan! Vanguard will happily babysit an IRA you opened prior to leaving the U.S., but they will not let you open a new one with a foreign address. I don't know about other brokers such as Fidelity or Schwabb, but it's probably the same story there. If you are like me and happen to have an IRA leftover in the U.S., you CAN contribute to it, but in order to do so you must not deduct your Japanese tax on your IRS 1040 or file Form 1116, "Foreign Tax Credit". In other words, you must pay U.S. taxes on any income used to contribute to the IRA. Refer to your broker for how to actually get the money to them from Japan. Part II: Investing in U.S. Equity from Japan Using Interactive Brokers First, let me tell you a little bit about Interactive Brokers (IB). They are a service mostly used by regulaprofessional traders. The fees are very low and reasonable. However, they have a service charge of $10/month if your commission is equal to or less than $10 USD in that month. This is probably not a problem for people over 25 years old investing with $10,000+ USD, but for people 25 and under with an initial investment of $3000, it's possible you might not make the minimum commission per month. Beware of this fee. IB lets you fund the account from many different currencies, regardless of what market you are buying (this needs confirmation, but seems to be accurate). So, whether you have a U.S. bank account or a Japanese bank account, you can fund the IB account. You can even fund from both. IB does not let you invest in U.S. mutual funds. This sounds like a deal-breaker, but it's actually not. You can still invest in U.S. ETFs. This includes Vanguard's total stock market index ETF, total bond market index ETF, etc. IB has an iPhone app that is pretty good and probably an Android app too. Although, as someone doing long-term investing for retirement, you probably don't need this and don't want to be checking your account too much (refer to /personalfinance as to why). IB has multiple account types. You will probably see IBLLC and IBSJ. The differences are two-fold: First: an IBSJ is only used to trade Japan domestic equity. You don't want this because you want to trade U.S. equity. Instead, IBLLC is used to trade overseas (U.S. equity). Second: as of 2016, IBJS requires your My Number information, but IBLLC does not. Again, you don't want IBJS, so don't worry about the My Number information. Open a "Japan Resident Individual Account for IBLLC" account online. This is a lengthy process. Make sure you have the required information.
You will need to send info about your current address in Japan, your 在留カード (zairyuu/"gaijin" card), job information, bank account information, and so on. I got confused and sent my My Number card information as well, but this only caused a hiccup in their process and I was told to remove it. Don't submit your My Number information.
You need to choose your base currency. Your base currency determines what currency you trade in and receive dividends/money from selling in. I think you need to specify USD here, but not sure. I chose USD because U.S. stocks are in USD and I used my U.S. bank account to intially fund my account. It may not matter, but this needs confirmation.
You need to specify that you have trading experience. I forget the actual numbers you need to put into the form, but make sure you put enough experience that allows you to trade ETFs overseas. You can fiddle with the numbers right there in the form, and options open up as you change the numbers. Play with it until it's just right. This part is hazy, and just seems to be some safeguards for IB so that new investors can't sue/blame IB for their own trading stupidity when they lose all their money. If you really don't have any experience trading, IB offers virtual "fake" accounts you can use to play around with trading. I suggest you try it.
After about a week you should have your new account. The next step is funding it, or you may have selected to fund it up front when you created the account so it may already be done. Anyway, the easiest way is to have IB request the wire transfer from your bank. I did this. It was really annoying, but it took about another week or so to go through. Beware that you probably can't start buying right away and need to wait for the transfer to clear. Congratulations! You're ready to start buying now. Refer to /personalfinance in what to invest in. Remember that you are limited to buying ETFs and a few other things, and not mutual funds (but you can get their ETF equivalents). Using TBD... (anyone want to fill this out?) Part III: Taxes You need to declare and pay taxes on your dividends and any capital gains you make. Beware. TBD... (this is arguably the most important part, but I just don't have time to go into it now. Someone feel free to help!) TL;DR: Open an account with Interactive Brokers online and buy ETFs.
Looking for a method to get my own strategy alerts
As the title implies, I have coded a simple algorithm that is profitable for my trading pattern. But the broker that I am using does not have a method for me to transmit the signal to my iPhone and I am not always at my desk. Is there any kind of service or app that I can use to input my own strategy that will either send a push notification or a text to my phone? Once again, I am not trying to use anyone elses forex strategy, I am just trying to make my own strategy more accessible to myself.
(Something about me: I've been interested in stocks all my life. I've gained interest in Forex over the last couple of years. Recently started looking into crypto's and now have a couple of $1k in Bitcoins. No loss/profit, I think break-even at this stage) I never day traded. But I have the nerves and patience and skills to do so I guess. What are the pro's here using for day trading? I am currently just checking bitcoinwisdom, many other websites, Iphone apps etc and constantly see buy/sell opportunities, some more accurate and correct than others :) but I am very interested in setting up a system to actively buy and sell. I am in Australia.
I have not seen any discussion surrounded by NagaCoin, invested part of my Blockfolio. This is first ICO from Europe, Co. also public listed in German Stock Exchange. Take a peek & opinions wellcome ? Did I participate for next Venture, Failure or Adventure ? I am aware of background of Roger Ver & Bitcoin Cash and certainly not part of this sub-group, but this smelled to me more serious. Roger Ver, Bitcoin Founder launches NAGA Coin CryptoCurrency. Company have several blockchain related products, not just one, not prototypes - fully working products with existing customer base. Rover Ver, he is considered to be the first Bitcoin angel investor, having funded the seed rounds for most of the entire first generation of Bitcoin-related businesses launched allready:
The Bitcoin Foundation
Bitpay
Blockchain.info
Ripple
Kraken
Naga Group AG conceptualizes, develops, and launches disruptive technology ventures in financial technology. The company systematizes and accelerates the process of identifying, building, and scaling FinTech companies. It develops Swipestox, a mobile-first social trading app that allow users to trade forex, indices, and CFDs by copying other trades; Switex platform for trading in virtual objects from the computer or online gaming sector; Project T, a mobile application that allows the exchange of various currencies by matching individuals; and Project P, a peer-to-peer platform for forex and CFD instruments trading. The company was founded in 2015 and is headquartered in Hamburg, Germany. Yasin Sebastian Quresh, CEO is the youngest person in Europe ever to have obtained a banking license. SwipeStox builds innovative and secure features for social trading. Whether you want to copy the best trades, use our self-learning algorithm CYBO to manage your portfolio, or set-up. SwipeStoxProtector to limit your risks, our unmatched features help increase your profits and secure your money. Forex, ETF, Stocks, Index CFDs, Stocks CFDs, Commodities, Futures and Bitcoin via Web, Android and iPhone APP. Presentations: https://vimeo.com/242236265 https://vimeo.com/243016936 https://www.swipestox.com/ ICO Details, https://www.nagaico.com/?refcode=gkgeng All the NAGA tokens are generated and controlled by a smart contract. NAGA Tokens will be stored by the NAGA Token Sale company founders in a cold storage. As soon as the Main-Sale is completed, you will be able to send those tokens to your ERC20-protocol compatible wallet. Each NGC Token will be sold for $1. 15 NGC is the minimum investment amount. The maximum investment is 10,000,000 NGC. Company’s goal is to raise 30M USD. Unsold tokens will be burned, so there will be no impact on our token economy of having a high cap. Accept ETH, BTC, LTC, DASH and FIAT currencies via Major Credit Cards or Bank Transfer. Media http://fortune.com/2016/12/01/deutsche-boerse-gamers/ https://www.insidermonkey.com/blog/blockchains-5-biggest-contributions-to-tech-610712/ https://www.cnbc.com/video/2015/08/12/why-nagacorp-is-bucking-the-gaming-downtrend.html http://www.maxkeiser.com/2017/11/as-traders-array-of-assets-widens-bitcoin-looks-less-tempting/ https://www.bloomberg.com/news/videos/2017-02-09/nagacorp-chairman-feels-very-optimistic-about-2017 Unlike Most ICOs, NAGA is: Funded: already raised multiple rounds of investment including our recent IPO which went up by 400% and a venture capital round from the multi-billion dollar FOSUN Group in China. Stock Trades in German, DAX. Credible: NAGA has the tremendous legitimacy and credibility. Shipping Product: main product development is complete and already have a multi-million dollar revenue product. We already have sufficient capital to complete the tokenization of our product ecosystem. I have not seen any discussion surrounded by NagaCoin, invested part of my Blockfolio. This is first ICO from Europe from Company also public listed in German Stock Exchange. Take a peek & opinions wellcome ? Roger Ver, Bitcoin Founder launches NAGA Coin CryptoCurrency. Company have several blockchain related products, not just one, not prototypes - fully working products with existing customer base. Rover Ver, he is considered to be the first Bitcoin angel investor, having funded the seed rounds for most of the entire first generation of Bitcoin-related businesses launched allready:
The Bitcoin Foundation
Bitpay
Blockchain.info
Ripple
Kraken
Naga Group AG conceptualizes, develops, and launches disruptive technology ventures in financial technology. The company systematizes and accelerates the process of identifying, building, and scaling FinTech companies. It develops Swipestox, a mobile-first social trading app that allow users to trade forex, indices, and CFDs by copying other trades; Switex platform for trading in virtual objects from the computer or online gaming sector; Project T, a mobile application that allows the exchange of various currencies by matching individuals; and Project P, a peer-to-peer platform for forex and CFD instruments trading. The company was founded in 2015 and is headquartered in Hamburg, Germany. Yasin Sebastian Quresh, CEO is the youngest person in Europe ever to have obtained a banking license. SwipeStox builds innovative and secure features for social trading. Whether you want to copy the best trades, use our self-learning algorithm CYBO to manage your portfolio, or set-up. SwipeStoxProtector to limit your risks, our unmatched features help increase your profits and secure your money. Forex, ETF, Stocks, Index CFDs, Stocks CFDs, Commodities, Futures and Bitcoin via Web, Android and iPhone APP. Presentations: https://vimeo.com/242236265 https://vimeo.com/243016936 https://www.swipestox.com/ ICO Details, https://www.nagaico.com/?refcode=gkgeng All the NAGA tokens are generated and controlled by a smart contract. NAGA Tokens will be stored by the NAGA Token Sale company founders in a cold storage. As soon as the Main-Sale is completed, you will be able to send those tokens to your ERC20-protocol compatible wallet. Each NGC Token will be sold for $1. 15 NGC is the minimum investment amount. The maximum investment is 10,000,000 NGC. Company’s goal is to raise 30M USD. Unsold tokens will be burned, so there will be no impact on our token economy of having a high cap. Accept ETH, BTC, LTC, DASH and FIAT currencies via Major Credit Cards or Bank Transfer. Media http://fortune.com/2016/12/01/deutsche-boerse-gamers/ https://www.insidermonkey.com/blog/blockchains-5-biggest-contributions-to-tech-610712/ https://www.cnbc.com/video/2015/08/12/why-nagacorp-is-bucking-the-gaming-downtrend.html http://www.maxkeiser.com/2017/11/as-traders-array-of-assets-widens-bitcoin-looks-less-tempting/ https://www.bloomberg.com/news/videos/2017-02-09/nagacorp-chairman-feels-very-optimistic-about-2017 Unlike Most ICOs, NAGA is: Funded: already raised multiple rounds of investment including our recent IPO which went up by 400% and a venture capital round from the multi-billion dollar FOSUN Group in China. Stock Trades in German, DAX. Credible: NAGA has the tremendous legitimacy and credibility. Shipping Product: main product development is complete and already have a multi-million dollar revenue product. We already have sufficient capital to complete the tokenization of our product ecosystem.
Dear noobs, if you ask for investment advice, people will tell you to invest in what they hold, even if it makes you poor. by backforwardlow (258 points, 46 comments)
107 points: undystains's comment in Ripple was 100% premined. Stellar was 97% premined.
103 points: imonlyherefortheeths's comment in Since I got into cryptocurrencies a week ago, that's my crypto app folder on iPhone - am I missing something?
97 points: madhattared's comment in I hate to be this guy but... we are in a huge bubble, hear me out
APL Bot Review 2015 - Is The APL Mobile Bot SCAM Or LEGIT? How Does APL Bot Software Work??. APL Bot by Gunnar Errikson Review
APL Bot Review 2015 - The APL Mobile Bot?? Discover the Truth about APL Bot in this APL Bot review! So What is The APL Bot all about? Does APL Bot Actually Work? Is APL Bot Software scam or does it really work? To find answers to these concerns continue reading my in depth and truthful APL Bot Review below. APL Bot Description: Name: APL Bot Niche: Apple Stock Trading Try it out! This isn't another binary option B.S. but an opportunity to walk a proven path - one that has been walked for years! Official Site: Activate The NEW APL Bot!! CLICK HERE NOW!!! APL is the World`s Richest Company, But Can it Make YOU Rich Too? APL Inc. is going to become a 1 TRILLION Dollar company in 2016... It is already the biggest company on the planet - almost twice as big as Microsoft and leaving everyone else behind by miles! And it has produced MANY MANY millionaires. Gunnar Erikkson has made over 26 million!!! USD trading APL stock with his buy and sell strategy with APL alone. In fact, he didn't only have a plan, he has the proof to back it up - multiple 7-figures of proof! Why? Because it's the world's biggest company that can - all by itself - buy a small country! CLICK HERE For More Information... What is APL Bot? This is a STOCK application - one that focuses on the most valuable stock on the planet only - APL! Yes, the iPhone creator, iWatch innovator and all-round priciest company, being valued at one TRILLION dollars (estimated in 2016). The APL Bot was created to help traders win and forecast the marketplace trends with apple stocks. The software also provides evaluations of the market conditions so that traders can know exactly what should be your next step. It gives various secret techniques that ultimately assists. traders without using any complex trading indications or follow charts. APL Bot Apple Stock Trading Strategy Base the APL Bot trading strategy. After you see it working, you can begin to execute your strategy with regular sized lots. This technique will settle gradually. Every Forex binary options trader should choose an account type that is in accordance with their requirements and expectations. A larger account does not imply a bigger profit potential so it is a terrific concept to begin small and slowly add to your account as your returns increase based upon the trading selections you make. Apple Stock Trading Keep this in mind as you trade and discover more about binary options to optimize your learning experience and boost your trading profits. APL Bot Summary In summary, there are some evident concepts that have actually been checked in time, along with some newer techniques. that you may not have actually thought about. Hopefully, as long as you follow exactly what we suggest in this post you can either begin with trading with APL Bot or enhance on exactly what you have actually currently done. The APL Bot is a ingenious system that actually has a "logic" behind it, and he proves in his video how and why it works. So don't delay! Watch it... you will be glad you did. Click Here To Watch The Video And Claim Your APL Bot LIFETIME User License!! . . . . . . . . . . . . . . Tags: APL Bot app, APL Bot information, APL Bot url, APL Bot website, APL Bot youtube video, APL Bot trading software, get APL Bot, article about APL Bot, APL Bot computer program, APL Bot the truth, APL Bot support, APL Bot support email address, APL Bot help desk, similar than APL Bot, better than APL Bot, APL Bot contact, APL Bot demo, APL Bot video tutorial, how does APL Bot work, is APL Bot the best online is APL Bot a scam, does APL Mobile Bot really work, does APL Bot actually work, APL Bot members area, APL Bot login page, APL Bot verification, APL Bot software reviews, APL Bot no fake review, APL Bot Live Broadcast, is APL Bot real, APL Bot forex trading, APL Bot binary options trading, APL Bot automated app, the APL Bot review, APL Bot by Gunnar Errikson Review, APL Bot Review by Gunnar Errikson, APL Bot signals, APL Bot mac os x, APL Bot broker sign up, APL Bot free download, reviews of APL Bot, Meet Gunnar "APL Bot” Erikkson, APL Bot by Gunnar Erikkson review, APL Bot bonus, APL Bot honest review, APL Bot 2015, is APL Bot worth the risk, APL Bot pc desktop, APL Bot free trial, APL Bot testimonial, APL Bot scam watch dog, APL Mobile Bot warrior forum, APL Bot web version, APL Bot open a account, APL Bot laptop, APL Bot revised Method 2015, APL Bot Unbiased review, is APL Bot al hype?, APL Bot discount, APL Mobile Bot binary option watch dog review, APL Bot youtube, seriously will APL Bot work, APL Bot facebook, APL Bot activation code, APL Bot 2015 Working, APL Bot twitter, APL Bot currency trading, APL Bot real person review, APL Bot example trade, will APL Bot work on mobile phone, Completely New APL Bot, new APL Bot, APL Bot webinar, APL Bot anybody using this, APL Bot real or fake, is APL Bot live trades real, APL Bot honest reviews, APL Mobile Bot is it a scam, APL Bot download software, APL Bot software download, APL Bot forum, APL Bot signals, APL Mobile Bot download page, APL Mobile Bot software demo somebody using it, APL Bot binary software, APL Bot binary options review, APL Bot reviews, APL Bot binary today, APL Bot pro review, APL Bot windows 7, APL Bot windows 8 and windows XP, apple bot, apple stock robot, app mobile bot, APL Bot price, is APL Bot a scam or not,will APL Bot help me, real truth about APL Bot, APL Bot System, APL Bot inside members page, how to download APL Bot, how to access APL Bot, APL Bot Robot, how to use APL Bot, how to trade with APL Bot, APL Mobile Bot NEWS Update and details, APL Bot today, APL Mobile Bot feedback, APL Bot real user review, APL Mobile Bot customer reviews, APL Bot consumer review, APL Bot Review 2015, insider john APL Bot review, george s APL Bot review, APL Bot doesn't work, is APL Mobile Bot another scam or legit, APL Bot refund, Activate APL Bot, review of APL Bot, APL Bot test, APL Mobile Bot explanation, what is APL Bot, APL Bot news, new version of APL Bot, APL Bot fan Page, APL Bot breaking news, APL Bot Register, APL Bot sign up, APL Bot broker sign up, should i use APL Bot, APL Bot yes or no, do i need trading experience, APL Bot create account, APL Bot instructions, APL Mobile Bot,APL Mobile Bot review,APL Mobile Bot reviews, APL Mobile Bot Secret method, Join APL Bot, APL Bot ea trading app, APL Bot limited time, APL Bot pros and cons, APL Bot bad reviews, APL Mobile Bot negative and positive review, APL Bot Author, APL Bot creator, who made APL Bot, what is the APL Bot, APL Bot real review, APL Bot broker, APL Mobile Bot sign up broker, APL Bot sign up broker review, APL Bot fund broker, APL Bot how to fund broker,APL Mobile Bot deposit into broker, how does APL Bot trade, APL Bot strategy, APL Bot password reset, APL Mobile Bot beta tester, APL Bot comparison, APL Bot questions and answers, APL Bot results, APL Bot winning and losing trades, APL Bot overview, APL Bot training, how to setup APL Bot, start trading with APL Bot, APL Bot proof, APL Bot the truth, Get APL Bot, APL Bot Review Act now and become an APL Co-Owner! It's true! Now you can finally profit from all those sales of iPhones and iPads, and even iWatches - APL is selling like crazy, and you can ride on that very moneytrain! Click Here To Download The New APL Bot Right NOW!
Apple Stock Robot Review Is It Real? Apple Stock Robot Review Is Apple Stock Robot Scam Or Legit? Read My Apple Stock Robot Review To See My Results Until Think To Download & Invest it Gunnar Erikkson holds a ton of APL stock. He’s also sold a ton of APL stock with Apple Stock Robot… and he made 26 million dollars with his buy and sell strategy with APL alone. Why? Because it’s the world’s biggest company that can – all by itself – buy a small country (and reign king… if a stock could be a monrachy that is! heh heh) Basically, Gunnar earns every time an iPhone an iPad, a Mac, or an iWatch is sold/preordered… and you can do it too just by filling out a Apple Stock Robot form. For free! Product Name: Apple Stock Robot AKA App Stock Robot Apple Stock Robot Website: appmobileBot.com Apple Stock Robot CEO: Gunnar Erikkson Apple Stock Robot Cost: FREE . . . . CLICK HERE TO CLAIM APPLE STOCK ROBOT BONUS . . . Apple Stock Robot Review Apple Stock Robot is new Stock Trading software is using little known trick by trading a booming Apple APL stock with a very high accuracy to achieve a passive income Forex binary options are binary options simplifies the complex Forex market traders to be able to reduce the risks of changes in currency markets. Can trader binary options investment in the core idea of the Forex without the complex structure of the investment. The Forex Options are digital binary options Forex pairs used her assets. For example, you are investing in binary option is the origin of an implicit US dollar / pound sterling. While the binary options include a variety of binary options in assets. Forex bilateral deal with the option of binary options that focus on currency pairs only. Gone are the days Points, the intersection standards, Altjeelat and delays and other terms related to Forex trading, which I spent hours in saved. Fajaarat Forex bilateral essence is extracted for trading Forex: Are will strengthen or weaken a currency against another? By investing in binary options, the fact that you invest in the heart of the global Forex markets. Binary Forex – Options Can I take profit? The binary options profit-taking by investing in the Forex pairs simple and very profitable business. I’ve known binary options because of the possibility offered by traders to invest in the Forex pairs yield high proportion of low risk and at the same time. In addition to the risks least, binary options for Forex traders the ability to know the risks associated with investments and profits Forex previously granted. This Apple Stock Robot AppMobileBot.com preference has led to a large migration to the world of Forex binary options investments by traders who prefer to know everything related to their investment before you start it. . . . . . . . ====>> CLICK HERE TO GET INSTANT ACCESS TO APPLE STOCK ROBOT FOR FREE . . . . . Unlike traditional Forex investments where they can be forced to use more leverage than once so that more than the original amount invested, and which may lead to disastrous investments may terminate your achievements entire file. But by investing in Forex binary options you will be informed in advance by exactly the risks before buying options to destroy this on adult and common in the traditional Forex trading risks. Read more at the Department of binary trade. Is trading Forex option duo only limited? Despite the fact that the binary options trading very profitable in the forex markets, but you can trade binary options on a number of other types of assets is Forex. Where you can through Binary investment options in a variety of assets, including commodities, stocks like Apple APL Stocks and indices. Binary options for these assets has added what added to Forks; through the liberalization of the investor of non-specific risks and brief him on the amount of profit in the event of success already invested. Apple Stock Robot Is Legit Stock Trading Bot, Download Apple Stock Robot Risk-Free $1000 bonus now… . . . SUBSCRIBE HERE . .
The FX Leaders’ Forex signals & market trends app is a must have for anyone serious about Forex trading. Covering Forex, ,Stocks, Indices, commodities like gold and Cryptocurrencies with free signals to your iPhone, all the news and alerts along with market sentiment, you’ll be in the loop with all the latest updates. Forex trading apps; iPhone; iPad; Android; Android tablet; IG Group established in 1974 IG Group has over 178,000 clients worldwide Over 80 FX markets. Free trading app for iPhone . Download our trading app to trade forex from wherever you are. Open, edit and close positions, plus see all open positions. Trade through charts. View your real-time balance, profit & loss and margin requirements ... The best forex trading apps can make a huge difference to your trading performance in 2020. Whether you need a forex app on android, iPhone (iOS) or another platform, or you want forex signals, a demo account for practise and simulation or full FX charts on the go – our review of forex trading applications has got you covered. Best iPhone Trading Apps for Active Traders in 2020 #1. Robinhood. With “Robinhood,” you can easily buy and sell your stocks. It shows real-time market data to keep you updated. Based on your specific requirements, the app allows you to create a personalized watchlist to quickly access all the important news, market data and latest quotes. The notification center widget lets you keep track ... Forex Trading app for iphone is the best ever forex trading strategy as there are many benefits of this term. You can get the best ever trick formula that can help you round to get involved in the forex best ever trading techniques and following as there are too much awesome that that could happen in the forex brokers and trade centers. The major currency pairs in the forex applications world ... Our mobile MetaTrader application uses many of the advanced features of the iPhone and iPad, such as the landscape-to-portrait view changer (a simple rotation of the device). The mobile MetaTrader application also offers one click trading, the ability to customise your layouts, and advanced charts and analysis. Use our mobile MetaTrader ... Forex trading involves significant risk of loss and is not suitable for all investors. Full Disclosure. Spot Gold and Silver contracts are not subject to regulation under the U.S. Commodity Exchange Act. *Increasing leverage increases risk. GAIN Capital Group LLC (dba FOREX.com) 135 US Hwy 202/206 Bedminster NJ 07921, USA. GAIN Capital Group ...
iPhone App - Forex On The Go ForexOnTheGo. Loading... Unsubscribe from ForexOnTheGo? ... Forex Game - Trading for beginners. - Duration: 0:49. Forex Game Recommended for you. 0:49 . A First Look ... Forex Trading now in the palm of your hand.Check Live Markets/Analysis, do Instant Deposit/ Withdraw. All the functionality of your personal dashboard now in... SwissForex- https://apps.apple.com/us/app/swiss-forex/id333209903 ForexWatch- https://apps.apple.com/us/app/forex-watch/id1179976600 CryptoPro- https://apps.... Learn how to use metatrader 4 mobile app for your forex trading career. In this mobile forex trading for beginners tutorial, i'll share with you the differen... Hey HFamily, Here are the FOREX APPS You must have. These are the BEST APPS FOR FOREX TRADING. Every Forex Trader Needs These Apps.These Apps for Forex Trade... Change the way you trade Forex, and you might change your whole life. 😎 From - to + in your account in no time. 👏 The future is mobile 📱, so prepare yourself...
