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The International 2018 in Vancouver FAQ (Updated!)

Hey there again, you punks.
So with a tip coming from some of the moderators on the board, I've decided just to quickly update this FAQ that I wrote a few months back since TI is next week and I'm sure many of you still have a ton of questions. I've gotten some more information that I can pass down to you in regards to Vancouver but also now TI as well, including updated marijuana laws and beer recommendations.
Two quick notes:


This summer has been an extremely hot season in Vancouver (at least in Vancouverite standards). Like anyone who attended in Seattle last year, there is noticeable smoke in the air in the city due to the fires all over the Pacific North West. If you have breathing issues or health related problems do to particles in the air, be advised that there is currently an Air Quality Advisory in effect so act accordingly. Wind/Rain will most likely clear up any issues going into next week, but just a heads up in case new fires flare up or we aren't blessed with some light rain. Forecast is looking to be sunny through midweek and the finals, with an average of about 23-25C.


A staple for Vancouver residents since 1910, the PNE will be open from August 18th-September 3rd (closed on August 20th & 27th). If you're looking to do something after a midweek day, the PNE is the perfect place to go checkout for a fun night out filled with events, concerts, beer gardens, crazy carny food, rides, maybe BSJ, shopping and a lot more. This article will tell you everything you need to know about the PNE, how to get there and what's going on.


Yes, but it's not exactly regulated by AirBnB. Feel free to stay at one through AirBnB but know that it might be a little tricky to deal with issues if they come up with your rental. Also while you're at it, check out VRBO.
The general piece of advice you'll get from any local about where to stay for TI is going to be anywhere that's on the Skytrain Expo Line (the line in dark blue). The Expo Line will take you to Stadium-Chinatown station, which is where Rogers Arena is 30 seconds away. As in Seattle, the closer to downtown you are, the more expensive it is to stay.
Unlike Seattle Center, there aren't very many budget hotels left, if at all in the Downtown core. The cheaper hostels are available, though fair warning, many of them are placed on Granville Street, which is a place that many Vancouverites will tell you to avoid while you're here (Though I have never stayed at a hostel on Granville, if anyone has an experience, feel free to share). Check out the Ramada Inn and the Days Inn near Waterfront for some cheaper-ish options.
In my mind, there are two places that I would keep a look-out for avoiding while you visit Vancity.
  1. Granville Street. During the day time it's normally fine, filled with some cool shops (Golden Age Collectibles, The Rock Shop, Movieland Arcade) but it's packed to the absolute max with dumbasses at night due to the amount of night clubs. There's police around every weeknight, but since you're in Vancouver for a good time, head towards Gastown, Chinatown or Main Street for places to party.
  2. Downtown East Side. If you've researched anything about Vancouver, you'll know that this area as where a large portion of the cities homeless reside. There is rampant drug use, poverty and sex work in this neighborhood, focused mainly between 5-10 blocks in the area of Main/Hastings. That being said, the community is an especially strong one, with fantastic human beings supporting the less fortunate. Though there isn't too much danger in terms of being robbed, you might want to just avoid the area at night. Be respectful to the people of this community and you'll have no problems.


Sadly, no there isn't. We know, it absolutely sucks and everyone in Vancouver is aware. Your options are public transit or a taxi.
Super shitty if you don't like paying for parking. If you can, park outside of the Downtown core near a Skytrain and then head over to the Arena. Commercial Drive is pretty good for this if you can find certain spots. Tinseltown as well if you buy a movie ticket on non-event days.
If you've ever been to any major city, you'll notice that Vancouver shares the same load-up card/tap system that places like London share. It's called Compass Card and it's fairly easy to use. Just load up money onto the card, tap it when you enter and tap when you leave. It'll do all the calculations for you. Note that certain zones will cost more just due to how far you're traveling.
Yes it does! Car2Go and Evo are two of Vancouver's most popular car share services. Hot tip would be to register before you head over to Vancouver and it'll help mitigate the fact that UbeLyft aren't in Vancouver just yet. Just drive safely.
The easiest way to get to downtown from YVR, if you aren't getting picked up/taking a taxi is to take the Canada Line. It will take you directly to Waterfront station, from there you can take multiple buses, the Expo Line (the main line that will take you to Rogers Arena) or the Seabus (going to North VancouveLonsdale).


19 years old.
Vancouver has an exploding craft beer culture and you'll be happy to find that the variety of different beers/ciders to drink is absolutely massive, probably to the point of being intimidating.
Here are some of my favorite breweries and the beers that you should look out for when you're at the liquor store/pub:
Twin Sails Brewing
Dat Juice Pale Ale
Two Straws MilkShake IPA
Short Pants Mosaic IPA
Brassneck Brewing
Changeling Sour
Passive Aggressive IPA
Bjorn Again Farmhouse Ale
Steel & Oak
Changeling Sour
Passive Agressive IPA
Bjorn Again Farmhouse Ale
Bomber Brewing
Bomber Parklife Passionfruit Ale
Bomber Pilsner
Bomber Snow White IPA
Yes. First, there isn't any drinking in public if you already didn't know. Second, you must have TWO pieces of ID on you whenever you go to buy drinks in case you're asked for your ID. First piece must be photo ID, the second piece must be something with your name on it (in order for bartenders/servers to validate the first piece). I see a lot of tourists thrown off by this, so just know that Vancouver's liquor laws are much more strict than other places.
I've heard from a few Vancouver residents that this isn't exactly enforced harshly, but just to note that it is an actual law. Piece of mind.
%.05. There will be a ton of pubcrawls and side events going on for people that are attending TI and I'm sure that you'll be blasted one night or another. Please don't drink and drive. If you need a cab, here are the numbers you can contact in order to grab a taxi from downtown.
Yellow Cab: (604) 681-1111
Black Top Cab: (604) 731-1111
MacLure's Cabs: (604) 831-1111
Also, a note for people from outside of Vancouver: the cab drivers in this city are notorious for being hard to deal with at times. Broken debit machines, cash up front, not providing receipts. Use your common sense to get you through pushy cabbies. If they have a broken debit machine and they are still driving, kindly reject them and give your business to another cabbie that will. UbeLyft will be here soon and karma will bite them back.
If at anytime you are in an emergency and don't know what to do, please DM me and I will provide my contact info.


Vancouver is a glutenous paradise of places to eat. Instead of giving you specific places to go eat, here are some links that you might find helpful in terms of recommendations:
Meowjin's Guide to TI8
The 38 Essential Vancouver Restaurants
It's To Die For List
This is not confirmed at the moment, but if the rules were anything like Seattle, you will be able to bring outside food into the arena. You are not permitted to bring liquids into the venue. You'll have to dump out your water bottle and refill it once inside. Rogers Arena might have different policies, but thankfully the venue has twice the amount of food stalls including a much more varied selection.
Everyone from Vancouver attending will hate me, but this is going to be one of the hottest tips I can give you: there is a Costco food court DIRECTLY across the street on the lower level of Rogers Arena that DOES NOT require a membership in order to buy food. It is the only Costco food court in Canada that doesn't need a membership to eat there. Hot dogs, poutine, pizza, soft drinks, ice cream and it's all lovingly Costco cheap. Enjoy!


Visa/Mastercard are widely accepted everywhere. Cards such as American Express/Discover are also accepted most places, though a few places might reject them for whatever reason (higher charge rates, issues with their machines etc..) Best case would be to make sure you have a Visa/Mastercard with you at all times as a back-up in case you run into any issues. Most places in Vancouver also allow you to use Android/Apple Pay now as well. No bitcoin though.
Well, that's entirely up to you. If you're staying the full week, a few hundred dollars in spare Canadian currency won't hurt you, especially if majority of your spending is going to be on plastic. There's going to be the Secret Shop, but that'll be done through online ordering and not cash payments. Just don't come with nothing. Worst case, always have at least $30-$40 cash on you just in case you run into a bind. It's really entirely up to you and how you plan on spending your time here. Do note that because of the low Canadian dollar, don't be surprised if the price of certain things is higher than usual.
By far it would be the Vancouver Bullion & Currency Exchange due to their lower exchange rates. Banks will more than likely charge you higher rates than the VBCE.


Due to the amount of fires that have started in the Pacific North West the past month or so, please do not throw your cigarette/joint butts into the street, sidewalk, bushes or wherever that isn't a proper garbage. You'll get a ton of dirty looks by locals if you do otherwise.
Canadians are known to be rather polite, we'll answer questions for you or guide you in the right direction (as long as we aren't in a huge rush). As long as you're respectful of the people around you, take care of your hygiene, don't spit on the ground, talk over people in conversation or just avoiding being a total dick, you'll be fine. Though Vancouver is a somewhat socially cold city, that's mainly in dating circles. Get some new Bumble photos up!
Most places won't have the tip included in your bill. It's common courtesy to tip between %10-%15 of your final bill if you enjoyed your meal/drink/service. Feel free to go higher if you had a really excellent time. Some places do include the tip in the bill, but will have it noted usually at the bottom of the menu.
A few. Remove your backpack when you're boarding a bus/SkyTrain in order to create more space for the people around you. Hygiene again is a big one. Remember to fill your Compass card and check your remaining balance at least once a day in case you're transiting a lot. If you see elderly/disabled/parents with strollers attempt to come on board, the polite thing to do would be to offer your seat etc..
Don't worry at all! Vancouver is an extremely multicultural city and the residents here are used to hearing many different languages daily. Best bet is if you struggle communicating with anyone for any reason, download the Google Translate app and use it to answer questions you might have in a discussion.
Use common sense. Most players/talent would be more than willing to sign an autograph or pose for a photo with you. But also be aware that much of the on-screen talent (Slacks, Kaci, panel members) will often have to be running from segment to segment, taking in matches and so on. If they seem to have a minute, ask nicely, thank them for their time and cross one off of the bucket list.
Don't throw things at Slacks.


No update on this. Rogers Arena is mainly a concrete concourse, surrounded by a viaduct and multiple lower roads. Unlike Seattle Center (which had multiple fields and smaller available venues), the only place large enough outside the Arena that could hold a large crowd with a big screen would most likely be the "main" entrance through Expo Blvd/Pat Quinn Way. There are a few other options in the area, but we're going to have to wait to see how creative Valve is with the space around the Arena. Perhaps they rent out the adjacent parking lots?
No update on this also, but again, there's a lack of outdoor space beyond the concrete concourse. Sportsbar Live will be open, which also gives a view of inside the Arena while you're eating/drinking. But again, it's indoors.
From what I remember from Canucks games, yes, there are stations where you can plug your phone in to charge. But don't be surprised if a company like NVIDIA pops up a charging station outside much like in Seattle.
One of the more obvious differences that most people will find from Key Arena to Rogers Arena, is that unlike Key Arena, Rogers doesn't have an open space concept between levels. Meaning, you won't be able to just look up to the third floor and see players hanging out like you normally would. This year, they most likely will be held in the boxes above or in the dressing rooms in the lower levels. Look for autograph times scheduled throughout the week to see your favorite players.
The only thing right now is a Vancouver Whitecaps (MLS) game on August 18th and a BC Lions (CFL) on the 25th. So if you really feel inclined, now you know.


When: On October 17th, weed will officially be legalized in British Columbia and most parts of Canada.
How: Normally you need a medicinal prescription to purchase marijuana legally. Though, because of the soon to be legalization coming up in a few months, most dispensaries will most likely write you a prescription if you tell them a valid medical reason for the marijuana (Trouble sleeping, chronic joint pain, back pain, headaches, trouble eating etc.). My friends who smoke themselves told me that hot tip, so do with it what you will. Please DO NOT buy weed from a source that isn't verified by another trusted person or a licensed dispensary. You never know what your weed could be laced with.
Where: Here are some dispensaries located close to Rogers Arena.
Bloom Medical Dispensary
The Dub Dispensary
The Medical Cannibis Dispensary
You can't smoke anywhere that frequents children, even if there aren't kids around. So no beaches, public parks, playgrounds etc..
So just, anywhere that's away from people that don't want to partake essentially.


If you weren't able to buy tickets from Ticket Master, you have a few options.
Post in the TI8 Vancouver Subreddit and ask if anyone has a spare ticket.
Buying tickets from scalpers in front of Rogers Arena is fairly easy and shouldn't be difficult if you understand the basics of haggling.
  1. Know what you're comfortable paying and stick to it. Always remember that number.
  2. Be prepared to just walk away. The longer you stay negotiating, the more you show the scalper how important it is for you to buy the tickets. Play the long game.
  3. The less you talk, the less information you give the scalper. If he says he's got a Midweek ticket for $300, shrug and say no thanks.
  4. Have money in your hand/wallet when you're trying to buy tickets. When they see that the cash is right there, they'll be more inclined to just make the deal and move onto the next one.
You will most likely miss the opening ceremonies, but after that the prices for Midweek tickets will normalize and scalpers will want to just get rid of their tickets at a lesser price.
The advantage you have in this instance is that Vancouver, outside of the LoL tournament at Pacific Colosseum, doesn't have much experience with esports tournaments. So scalpers themselves won't have the same level of patience. The longer you wait to buy your tickets from them, the cheaper you can get them for. Only downside is that you'll be missing games.
The other thing you can do is literally just walk around the outside of the Arena and spot non-scalpers with extra tickets. There are always people who buy extra tickets and are just wanting to get their money back (friends flake on them, they couldn't flip them like they thought).
DO NOT panic and end up buying an overpriced ticket from StubHub, Craigslist or wherever. Tickets will be available, you just have to keep your cool.
The box office at Rogers Arena is located at the bottom of the venue on Expo/Pat Quinn Way at the Toyota Ticket Center. You can pick up your tickets between these times:
Mon, August 20th: 7AM - 9PM
Tue, August 21th: 8AM - 9PM
Wed, August 22nd: 8AM - 9PM
Thu, August 23rd: 8AM - 9PM
Fri, August 24th: 8AM - 9PM
Not sure about the box office times for the Finals. Will update that when I know.


So first off, understand that EVERYONE there is going for the same reason you are, DOTA. Don't be afraid to go up to people, say hello and start conversations. If they shrug you off, fuck them, they don't deserve your brilliance. Enjoy yourself. Worst case, just create a thread on DOTA saying that you want to go shotgun a few beers. My first TI was pretty much by myself, but the combination of a beer + a garden really did wonders.
Simply put, don't worry as much as your mind is telling you to worry. All the talent (casters/players) are incredibly friendly and are pretty much the same as us, just super stoked to be there. But do give them space if they're working or running around to the next thing.
During TI, after every First Blood in a match, there are potential drops given to in arena attendee's who have registered their badge with their Steam ID. There will be a Steam Link kiosk/section OUTSIDE of Rogers Arena, so look out for it. You must have tapped into the Arena in order to be eligible for those drops.
The link to register your badge to be eligible for these drops will be on the back of your badge when you receive it.
Try to pack as lightly and efficiently as possible. My two main staples during the last two TI's were a water bottle (usually given out in a goody bag for midweek + finals ticket holders) and a portable battery pack for my phone. Also know that you might buy things from the Secret Shop, do some shopping downtown and the last thing you want to do is carry that stuff around with you all day. Though consider bringing a sweater for inside the Arena, as Rogers is a fairly cold one.
Try checking with bell boys/concierge at any hotels if they can possibly check in some of your bags for you. I tried this at TI7 and was surprised how chill they were. I left them a $5 tip for taking my bags and was free for the rest of the day.
Avoid the Secret Shop on the first day or else you'll just spend the entire day waiting in line. Midweek the shop lines will be much more reasonable.


Well formatted thread to get you started.
Also a well-detailed Google Map of venues/places that should interest people attending TI for places all across Vancouver
Depending on your situation, here are numbers for emergencies in British Columbia.
Ambulance, fire, police: 911
Poison Control: Lower Mainland: 604-682-5050 Toll-free: 1-800-567-8911
Healthlink BC: 811 Deaf or Hearing Impaired: 711
Crisis Intervention & Suicide Prevention: Call 1-800-SUICIDE (1-800-784-2433) if you are considering suicide or are concerned about someone who may be.
Mental health support: Call 310-6789 (no need to dial area code) for emotional support, information and resources specific to mental health.
That is Roger Neilson, former Vancouver Canucks head coach and the inventor of towel power. Please treat it nicely!
Right here.
How sweet of you to ask! That would be Lush by Snail Mail.
Please, if you feel like you need to ask any questions, or there should be things added to this FAQ, post here or DM me. There are obviously some things that no one knows right now in regards to potential additions or subtractions from moving the event from Key Arena to Rogers. But I'll try my best to keep this thing updated if people bookmark it for future use.
Enjoy planning your trip to TI!
submitted by Arashie to DotA2 [link] [comments]

The Implications of Bitcoin (x-post from r/cryptocurrency)

This is starting to develop into a series of posts (here is the first one on both steemit and reddit), I've thrown this post on steemit, though the full text is available here. My next post is already half done and will deal with wallets, personal security, and the future therein. A table of contents is on the way that will help organize these.
I realize many here are familiar with a lot of this information, but I aim to present it in a way that's understandable to people that haven't yet spent the time to research for hours. I would appreciate any comments or criticism in order to refine the ideas. I'm not trying to shill anything in particular, though I reference bitcoin specifically for a lot of reasons I won't go into right here, most if not all of what I explain could be applied to other cryptos. I don't wish to encourage people to "invest" in this tech, I only wish that they begin to learn about it. I think this technology will change the world no matter what we do right now, I simply wish to explain in plain English how it might benefit our global society.

The Implications of Bitcoin - Deciphering the Enigma

Money is one of the oldest technologies; it's older than writing; we know this because the first writing we find is keeping track of transactions. Money has held many forms (rock, bone, metal, paper, cloth, plastic, etc.), each generation of token ideally being more portable and harder to forge. Portability, (ease of moving around the tokens) increases what you can do with it, while forgeability describes how secure it is against counterfeiters. Modern banking is essentially impossible to forge, and is vastly more portable than physical tokens because it exists solely on banking networks. For those with access to modern banks, money has never been more free to move around. Enter Bitcoin; it is no less forgeable than its predecessor,but it's portability is exponentially increased, and being decentralized it introduces a new feature, it's open to everyone.

What is Bitcoin?

At first glance bitcoin appears very similar to how we already transact in the developed world; it's "just" digital money. We have paypal, venmo, online banking, and credit cards that allow us to move our money around. However, to call bitcoin similar is making a huge mistake and vastly misunderstanding its concept, philosophy, and power. Modern banking services are exclusive to the developed world and only accessed with the permission of for-profit, private institutions, the gatekeepers of local and global money transfer. In the developing world there are billions of people without access to any bank, and many more have limited access to even basic services. Often there's little competition which stifles innovation and increases monopolistic practices. It's these citizens of our global society that stand to benefit most from this technology in an immediate sense.
Bitcoin is a decentralized, open, and immutable means of exchanging value. There are several layers to this concept alone; most significantly, that bitcoin is fundamentally different from anything we have ever contemplated. This makes it difficult to understand the implications or benefits of such a revolutionary technology. It's an epochal shift in how we can transact and store value.
This system can be accessed by everyone, anywhere, anytime. It is neutral, trans-national, and facilitates the freedom of money. Bitcoin itself requires no personal information or account creation through a business, nation, or organization. One simply generates keys and is free to transact with anyone. There isn't a central authority to dictate who can and can't use the network, no gatekeepers, no one to freeze payments or hold funds.

How is Bitcoin Secure?

I think people are well-justified to be skeptical of bitcoin's security, it's often touted as "unhackable" or "immutable". I try not to speak in absolutes; so I simply state that it's not worth trying to hack because its security lies in cryptography and game-theory.
If you guessed my private key you could spend coins associated with that address. Computers can guess many times in a a second, but even with every computer on the planet it would take much longer than the universe has existed to guess the private keys to a single bitcoin address. This is still true even with 1,000 earths worth of computing power. This is cryptographic security.
Game theory sounds daunting but it's easy to understand, it's "the study of mathematical models of conflict and cooperation between intelligent rational decision-makers." In bitcoin this manifests through "proof of work" which amounts to "miners" using computers to do lots of math problems, the results of which get embedded in the transaction record (the blockchain), and they receive rewards for their effort of mining a block. Miners are incentivized to contribute to the system.

So what if we try to cheat?

The amount of money and resources required to assemble enough computing power to even attempt to cheat the system (the "51% attack") would cost more than any benefits of doing so because the attack has no guarantee of working, and it would be obvious to anyone looking at the transaction record. In some cases the cheating transaction could be routed-around, essentially erased, negating all the work put in by the attacker who still had to pony up all the computing hardware and electricity. It's simply more profitable to take those computing resources and just mine bitcoins instead of attempting an attack. Game theory at its finest.
Many criticize the computing power and electricity "wasted" on bitcoin mining. Another perspective is that all this computational expenditure is quite intentional because it maintains the security of the system. It's analogous to mining gold; gold ore is just a pile of rocks that require significant extraction and refining to yield highly valuable and useful gold. Bitcoin's proof of work is so-called because the blockchain is evidence of massive computation, that computation equals security. The security is what makes bitcoin valuable. The proof of work is the proof that energy and computing power were expended in securing a history that can never be altered. Furthermore, renewable energy can increasingly provide electricity for miners mitigating environmental concerns. Not to mention the environmental impact of continuously replacing paper currencies in hundreds of countries, gold mining resources "wasted" on gold just to sit in vaults, or all of the concrete and steel poured into thousands of banks across the globe.

What can it do?

Right now citizens of Venezuela are losing purchasing power of their money by 25,000% per year. Their failing government continues printing more money robbing constituents of their savings. When this happened in Zimbabwe and people needed wheelbarrows full of money to buy a single loaf of bread the residents had little recourse. But some Venezuelan locals are turning to crypto-currencies to flee the currency crisis, escape the inflation, and protect their ability to acquire food and shelter. It's capital flight away from a national currency without having to even leave their neighborhood because their $20 cell phone can now act like a global bank.
Global remittances account for over 500 billion dollars a year. International money transfer services require physically being near the local office during business hours. A fair amount of coordination is required to find an institution with local access in both countries. Transfers can take days to clear, and fees vary wildly and make it difficult to transfer small amounts. Bitcoin can send a transaction at any time from your phone to anywhere on the globe in seconds with negligible fees without any intermediary. It's not hard to see why in some places this industry is being heavily disrupted.
Credit cards are a "pull" system, meaning you give out your card number and anyone can pull money from it, this model is the cause of credit and debit card fraud. If your card info is ever compromised you will need a replacement card and sometimes have to fight with institutions for weeks, months, or years to get your money back or have your credit restored. Bitcoin is a "push" system, only you can spend your money. No fees or extra charges can ever be added without you manually sending them. Automatic payments can be set up on your end, but never "their" end.
Bitcoin is programmable and flexible, allowing money to flow around the world as easily as cat videos and memes. It can mimic the way we do business currently when we desire, but, so much more is possible that will never be viable with our current systems. In fact, we haven't even figured out what yet is possible because innovation has just begun. Until now the only ones that could innovate in the financial space are those with the connections to permissioned worldwide banking network. Now, a 19 year-old has created a global computer whereby the programs can never be silenced and money itself can be programmed. Ultimately this enables anyone to write the next killer banking app without permission from anyone; it's a free market of money. And we are just getting started.
submitted by mrcoolbp to CryptoTechnology [link] [comments]

First Reddit Post, my key financial lessons of 2017

I hope this will help some of you out. It's a summary of the most important Canadian Personal Finance lessons from my research for all of 2017. Most of these are key posts from The Greater Fool Blog, which I highly recommend as a daily read.
Investing Strategy and Advice
Random Advice
· Everybody should strive to maximize their TFSAs, then ensure the money stays in there, invested in diversified growth assets like equity ETFs. Remember – a hundred bucks a week invested here for 30 years making 7% will end up being $532,000. That should yield an annual income of $32,000 without depleting the principal and without reducing your CPP or OAS payments by a single penny. So this is job one.
· After that, shovel cash into an RRSP, using the refund to contribute to the TFSA. Unless you have a defined-benefit pension (guaranteed, stable employer-funded payments), this is an excellent way to reduce tax, invest for tax-free growth then support you efficiently when some dingdong CEO destroys your employer.
· Obviously having a cash reserve for an event like this would be a great idea, but establishing a personal line of credit in advance is almost as good. It costs you nothing to set up at the bank, zero to carry and can be tapped only as you require it. Go, get one now.
· The best way to own preferreds is through an ETF, where you can hold a basket of high-qualify assets. An example would be CPD (just an example – this is not a recommendation), which pays investors a dividend yield of 4.3%, which is twice the return of a GIC and it’s still 100% liquid. But there’s more. This exchange-traded fund has increased in value (besides the dividends paid) by 12.7% in 2017 – which far outstrips the 3.8% return of the TSX in general. Since the beginning of last year (when prefs were sooo cheap) the gain in capital value has been 28%. (CPD also went on sale Wednesday after the latest Bank of Canada report. Sweet.)
· But all he need do to effectively slash his long-term interest costs is to switch from a monthly-pay to a weekly-pay mortgage. Over the course of 12 months he’ll make the equivalent of one extra payment (no big deal) and it will end up shortening his amortization by years, saving more than a variable-rate loan ever would. He just needs to ensure he gets the right kind of weekly mortgage, since some of them are bank rip-offs.
May 2017 – Current Recommended Weightings
· cash, 5%;
· corporate bond 6%;
· provincials 3%;
· short-term bond 5%;
· high-yield 3%;
· preferreds 18%;
· Cdn equity 16%;
· REITs 5%;
· US equity 21% (some hedged);
· international equity 18% (some hedged).
Investment Portfolio Breakdown - Greater Fool – September 20th 2017
· Start with the TFSA. When that’s full split money between an RRSP (to shift tax into other years) and a non-registered portfolio (to benefit from capital gains and dividends). Stick with it, max the tax-free account with pre-authorized debits from your bank account and never, ever listen to [email protected], eschewing costly mutual funds and brain-dead GICs.
· Have a balanced portfolio, with 40% in safe stuff and 60% more growth-oriented. Since rates are rising, keep the bond exposure slim (they pay nothing but reduce volatility) but have lots of rate-reset preferreds which swell along with bond yields. Carefully weight Canadian, US and international assets, taking into consideration that we’re currently on fire, Trump’s a time bomb, the US is expanding, Europe’s in recovery and nobody should bet against China. Never hold individual stocks (unless you have seven figures to invest and can achieve diversification – which requires about 60 positions).
· If you have a little money, hold three or four ETFs. If you have a lot, then 17 should be about right. And keep a small cash position, since that’s a defensive asset as well as ammo if an opportunity arises.
· So, 2% cash in a HISA, 20% in a mixture of government, corporate, provincial and high-yield bonds plus 18% in preferreds make up the safer stuff. Put 5% in REITs, then hold 16% in Canadian equities, an equal amount in US markets and 23% in internationals, for the growth portion. Rebalance once a year. Put higher-taxed stuff (bonds) in a tax shelter. Reserve the TFSA for fast growers (like emerging markets). Enjoy a 50% tax break on capital gains in your non-registered. And don’t forget about income-splitting with your squeeze, which can be done through a spousal plan or maybe a joint account.
Why TFSAs are the #1 Priority
The long-term growth, free of tax, is epic. Invest $5,500 this year, then add $100 a week for the next three decades in growth assets making 7%, and you end up with $576,338 of which $414,838 is growth. Besides tax-free compounding of investment returns, the real benefit of this thing is that it will throw off income in retirement (or anytime else) which is not counted as income. So in the example just given, forty grand a year could be earned with zero tax payable on it.
Now let’s look at two 40-year-olds who have wisely maxed their TFSAs with $52,000 in each. If they keep their accounts topped up and full of ETFs giving the same return, at 65 they’ll claim $1.26 million, of which almost nine hundred grand is taxless growth. In retirement that amount can provide an annual income of about $90,000, and these guys can still collect their CPP and OAS without having any of it clawed back (assuming no other income source). If they had $1.26 million in RRSPs, the after-tax income would be about $52,000 and they’d have a marginal tax rate of 29.65%. No contest.
For anyone with a good company pension plan, and especially for the Aristocracy Among Us with gold-plated, defined-benefit schemes (teachers, cops, retired finance ministers) investing in this vehicle is far better than feeding an RRSP. At age 71 all registered retirement plans must be partially unwound, with the income being added on top of pension payments, often boosting you into a higher tax bracket. But no matter how much is skimmed off a fat TFSA, nothing is taxed or even recorded as income.
Of course, TFSAs can be used for income-splitting, too. You can gift your spouse or your adult kids money to invest in one. None of the gains will be attributed back to you. You can withdraw money and, unlike an RRSP, put it back the following calendar year. Unused room can be carried forward indefinitely. And a tax-free account can hold almost any investment asset, so keeping a moribund high-interest savings account or a brain-dead GIC in there is a big fail.
Why Mutual Funds Suck:
S&P regularly provides its SPIVA Scorecard, which examines the performance of actively managed Canadian mutual funds versus that of their benchmarks and corrects for survivorship bias. Survivorship bias? Yes, mutual fund companies have this habit of discontinuing funds that have poor performance thus, ostensibly, wiping away that unflattering data forever. The SPIVA Scorecard attempts to account for this performance, essentially holding the mutual fund companies’ feet to the fire. The data reveals, unsurprisingly, that the vast majority of mutual funds underperform their benchmarks—with high management fees being the main reason. The table below shows their dismal long-term track record. S&P, by the way, also does a scorecard for US mutual funds with similar results.
📷No doubt, there are financial advisors who have a careful and highly effective system for identifying the 9% or so of equity mutual funds that actually do outperform their benchmarks over the long term. More power to these advisors. However, what I’ve seen more often is a less rigorous due-diligence system of simply selecting the funds that are ranked highest by Morningstar, the industry’s most widely known mutual-fund evaluator. However, as a recent article by The Wall Street Journal has shown, chasing the best star ratings has its drawbacks. The Journal pointed out, after examining the performance of thousands of funds, that only 12% of 5-star-rated funds maintained this rating after five years. Basically, the Journal highlighted that the Morningstar five-star rating is not a good indicator of future outperformance.
Source: The Wall Street Journal
Here are a few things to remember. First, on mutual funds (since most people own them): fees are significant, and buried in the cost of ownership. The person selling you these animals at the bank will tell you s/he doesn’t charge anything to perform that charitable service. In reality, the funds turn out trailer fees so every month you stay invested, somebody gets paid. To Rob’s point, mutual fund fees aren’t tax-deductible. So if you own a fund with a 2.5% MER and you’re in the 40% tax bracket, that’s actually costing 3.5%. Ouch.
The same principle applies to ETFs, all of which have embedded fees which are not deductible. The big difference is the average fee across a portfolio made up of exchange-traded funds might be 0.2% – or one tenth of the cost of owning a mutual.
What about other fees and investment costs?
Management fees, charged by fee-based advisors, are 100% deductible from taxable income on non-registered accounts. With RRSPs, the money taken to pay an advisor is not counted as taxable income. That means you got a tax break for putting that in, but there’s no tax when it exits – so the government is also subsidizing you. Fees on TFSAs, however, are non-deductible. Somebody in the top tax bracket, then, with accounts run by a professional offering tax advice and portfolio management who charges 1% will end up paying closer to 0.6% – while the poor single Mom with a few grand in the bank’s funds will shell out 2.6%. Unfair? You bet. But that’s the law.
So, fees are deductible. Commissions are not. MERs are embedded, invisible and can kill returns. If you remember just those three facts, they’ll serve you well.
More on Mutual Funds – Dec 11 2017
What’s a mutual fund? It’s a pot of money made up of contributions from many investors that a manager then uses to buy stuff. Like stocks or corporate and government bonds. Managers charge big money to do this job (they have Porsches, too) which is charged back to the investors, and in return try to add ‘alpha’. That’s financial speak for ‘special sauce’, which means they attempt to get better returns than you’d achieve just buying the same assets and holding them. In doing this job they buy and sell frequently, often generating capital gains taxes, which the unitholders also pay.
Trouble is, most of these cowboys fail.
Last year, for example, the number of Canadian mutual funds which focus on US stocks and which outperformed the index was… zero. Nada. Donuts. Not one. In the States almost 70% of fund managers investing in large-cap stocks failed to match the index and yet charged big bucks to do so. Over the last 15 years, the failure rate among managers is 90%.
Ouch. Makes you wonder what you’re paying for. What also hurts is that the fees these non-alpha dudes charge are buried within the funds themselves, unseen by investors who cannot even deduct them from any gains they might make for tax purposes. Meanwhile the so-called advisors who collect the trailer fees from selling funds do not actually engage in any investing themselves and often collect an extra upfront fee for selling them to folks, or create a seven-year mutual-fund prison that penalizes anyone trying to get out.
Difference between Mutual Funds and ETFs
Simple. ETFs are like Teslas – they drive themselves. There is no manager, so there’s no fat management fee for investors to pay. They don’t compensate some fancy guy to try and beat the market, then have to explain why he didn’t. They just pace the market itself. What the S&P 500 does this year, for example (up 18.4%), is what an ETF holding those 500 companies does. Plus, they’re traded on the stock market, which means you can buy or sell with the click of a mouse and get instant liquidity. Try doing that with a mutual fund (you can’t). In fact, most funds have the ability to halt redemptions, so if a crisis emerged you might not be able to sell when you wanted (just like Bitcoin).
ETFs are not free, however. Across a balanced portfolio you can expect to pay an embedded cost of about 0.2% – which is a hell of a lot cheaper than 2.0%.
Now, mutual fund salesguys, for obvious reasons, hate it when they hear such talk. And being in sales, they are daunting adversaries, able to woe naive investors with tales of giant, throbbing Alpha and heaving bosoms. (I may have exaggerated there.)
Jane, in fact, encountered exactly this schtick after she told her mutual fund guy she was leaving to embrace ETFs.
“I talked to him today for the formal “thank you and best of luck” nicety and needless to say he thinks I’m making a huge mistake. I feel quite defenceless when it comes to talking to financial advisors. My boyfriend tried to do his best to help explain it and then reverted to “Ask Garth.” For ease I will just lay out what was said by mutual fund guy in bullet form and hopefully you can help me out
“Can you shed some light on this for me? My mutual fund guy did make me feel a touch uneasy. I would appreciate the insight just for building my own knowledge and confidence.”
You betcha, Janey. ETFs are cheaper because they don’t come attached to some Bay Street smartie with three kids in private school. They are pure reflections of a transparent market. The rate of return for nine out of ten has been higher than an actively-managed mutual fund, at a fraction of the cost. Fee-based advisors (who should collect a fee of no more than 1%) actually build and manage client portfolios. They all shop at Costco and recycle their socks.
ETFs for old people? Did he mention dwarfs?
As for the 2008-9 crisis, a balanced ETF portfolio declined 20% while the stock market slid 55%. It recovered all lost ground in a year, then advanced 17%. It’s not the structure of the asset that is owned (active or passive fund), but the weightings between various asset classes that will protect you in declines. You can be as conservative or aggressive as you want with either kind of funds. But if you like paying more for less, mutuals are for you. (He was really zooming you on that one.)
The benefit of Bonds in a Portfolio
Bonds help reduce volatility
One common way to measure volatility is using standard deviation, which measures the variability of returns around the long-term average – the higher the number the higher the volatility. Over the last 10 years, the TSX has exhibited price volatility of 14.1%, meaning that TSX returns have been 14.1% above/below the long-term average return over the last 10 years. Volatility (standard deviation) has been 11.4% for the S&P 500 over this period. And for the average Canadian balanced portfolio, the standard deviation has been much lower at 8.3%. So, we prefer balanced portfolios to an all-equity portfolio since the ride is much smoother and with more consistent yearly returns.

📷Volatility of Different Investments

The other important reason we like balanced portfolios is because bonds often zig when equities zag. This dynamic is why a balanced portfolio exhibits lower volatility.
In good economic times corporate profits rise and investors feel more optimistic about the outlook that they are willing to pay higher multiples (e.g., P/Es) for stocks. This combination of rising corporate profits and valuations pushes stock prices higher.
Central banks in turn tighten monetary policy by hiking interest rates. This helps to push bond prices lower (prices move inversely with yields). So stocks go up and bond prices go down, generally, in a strong economy.
📷Conversely, in a weak economy stocks typically decline and central banks lower interest rates to help spur growth which leads to higher bond prices. Again, bonds zig when equities zag. This is perfectly captured in the chart below which shows the relative performance of Canadian bonds and the TSX. Note how bonds will outperform stocks over certain periods (in green) and underperform stocks in other periods (in red). This chart captures the essence of why a solidly constructed and well-managed balanced portfolio works!

Bonds/Equities Out/Underperform Over Time

Finally, how should investors structure their bond holdings in this rising interest rate environment?
First is to focus on lower duration bonds. Duration measures a bond’s price sensitivity to changing interest rates. If a bond (or in our case a bond ETF) has a duration of 8, it means the bond will decline approximately 8% for every 1% increase in interest rates, or rise 8% for every 1% decrease in rates; the higher the duration the higher the price sensitivity to rising rates.
Given our view that rates are going to continue to slowly rise, we are positioning our balanced portfolio with lower duration bond ETFs so as to minimize the impact of rising rates. Later when interest rates are higher we’ll look to reverse this call and shift into higher duration/yielding bond ETFs.
The other key strategy for bonds in a rising rate environment is to overweight corporate bonds versus government bonds.
With the Fed and BoC now hiking rates, government bond yields are moving up and prices lower. This of course weighs on all bonds but corporate bonds tend to outperform when rates rise. This happens for a few reasons. First corporate bonds offer higher coupons (yields), which help lower the duration relative to lower yielding government bonds. Second, because investors are feeling more optimistic about the economy and financial markets they are more willing to buy corporate bonds, which pushes up their prices relative to government bonds resulting in compression of the yield spread over government bonds.
Below is a chart comparing US investment grade corporate bond yields to comparable US government bond yields. Currently with US corporate bonds yielding 4.25% and US government bonds yielding 2.35%, this results in a “spread” of 190 bps. As the economy picks up this spread compresses which results in corporate bonds outperforming government bonds. We believe this spread could compress a bit further resulting in additional outperformance from corporate bonds. We’ll look to reverse this trade as we start to believe the economy is rolling over.

US Credit Spreads

📷We get it. In a raging bull market like we’ve been in for some years, bonds can be disappointing and cause us to deviate away from a balanced portfolio, focusing more on equities. But as we’ve shown, the benefits of including bonds in a portfolio are to reduce volatility and provide more consistent returns. And we’re not always going to be in a bull market so you’ll need protection against this inevitability. I feel confident that our client will call me up to thank me for our recent portfolio adjustments, likely when that dreaded bear market rears its ugly head. How are you positioned for this eventuality?
Well, here are ten of my fav ways to reduce your tax bill thanks to two simple words – income-splitting (as opposed to sprinkling).
10 Ways to Reduce your Tax – Oct 29
  1. Do you and your squeeze both work? If one earns more than the other, have the chief breadwinner pay all of the regular expenses – mortgage, rent, food, daycare, weed, insurance, booze, clothes, rehab. Make the lesser-monied spouse the chief investor in the family, so the returns (capital gains, dividends, interest) will be taxed at a lower rate.
  2. Ditto for registered retirement savings. If you earn considerably more than s/he does, or have a defined-benefit pension, use up all your RRSP room for a spousal plan. You write the contribution off your higher taxed income while your spouse gains control of the money. After three years it can be withdrawn at their lower rate – so you’ve just sprinkled!
  3. Here’s another one, if there’s an income disparity between you: loan your less-taxed spouse a bunch of money for investment purposes. S/he puts it into a nice little non-registered account and starts collecting dividends and earning capital gains in a tax-efficient way. Even though it’s your money, none of that income is attributed back to you – so long as this is set up as a loan at the CRA’s prescribed rate of interest which is, believe it or not, just 1%. Interest must be paid annually by the end of January but all of that is tax-deductible. Yes, your spouse can write it off the investment returns. This works for kids over 18, too. More sprinkling!
  4. Also with income-splitting: if you are a wrinkly collecting CPP (everybody should start taking it at 60, no exceptions), this can also be split with your less-taxed spouse.
  5. If you didn’t listen to the advice on this blog, bought individual equities and were handed your rear end by Mr. Market, sell those dogs before Christmas in order to realize a capital loss which can be used to reduce taxes on capital gains. Losses can be used to neutralize gains not only in the current tax year, but going back three more years. This can help you recover taxes that you paid as far back as 2014.
  6. You can also take crap assets that dropped in value and dump them on your kid. Another great reason to have children! Investments can be transferred to a minor child and that will also trigger a tax loss in your hands which can be used to offset gains. Now your spawn has an asset that, when it recovers in value, will be essentially tax-free with none of the gain attributed back to you.
  7. Fill up your TFSA, obviously. Also that of your spouse. And your kids over the age of 18. Gift money to all of them with no gains TFSAs attributed back to you. Remember, $5,500 a year for 35 years earning 7% will result in $819,000, of which more than six hundred grand is compound growth. So ensure these are not savings accounts, but investment accounts – no GICs, HISAs or other dorky stuff. Also when you retire, a $819,000 TFSA will give you about $50,000 a year in taxless income which will not reduce your CPP or OAS by one cent.
  8. If you’re 71 and have to convert an RRSP to a RRIF, be thankful you robbed the cradle and married a babe younger than you. Your mandatory retirement fund withdrawals can be based on the age of your spouse, keeping them to a minimum and allowing your nest egg to grow larger, longer.
  9. Obviously put money into a RESP for your kids. The feds will give you an automatic grant equal to 20% – so for a $2,500 contribution you receive $500, up to a lifetime total of $7,200. Free money. Duh. Why would you not do this? If your kid grows up to be a rock star or a high-net-worth, Mercedes-driving plumber you can fold much of the RESP money into your RRSP. Remember to buy growth assets. Establish a family plan for multiple kids, not separate ones. And, for God’s sake, avoid the RESP-flogging baby vultures that skulk around hospitals. Go self-directed.
10.And, yes, use RRSPs. They’re still the best tax-shifting vehicle around, allowing you to write off up to $25,000 in taxable income a year. You can borrow money cheap to contribute, then use the refund to pay much of it back. Or open a plan, shift in assets you already own, and get paid money by Bill Morneau for selling yourself stuff you already own. That should make his head all splody.
Legal aspects of selling a house
If you’re selling a house – with more market declines ahead thanks to the new stress test – make damn sure the deal is solid. No long close. A mother of a deposit (ask for 10%). No buyer visits prior to closing. Deposit held in your lawyer’s trust account, not that of the listing broker. No condition on the buyer finding ‘satisfactory’ financing. And a clause giving you a day or two for legal approval of the offer.
Also do something radical – find out who the buyer is before you enter into a contract with them. Job? Circumstances? Background? Can they afford it? After all, you’d never rent your cheapo condo to someone without a credit application, references, credit check and income/employment verification. Why sell a $1.5 million house to a stranger and make huge life changes based on a closing months away that may never happen?
HELOC & Risk Investment Strategy – August 7th
So he wrote me with an idea and a question:
I’m curious to know if you’d recommend pulling out 100k in equity in a house NOT to buy a rental house but to invest in a diversified portfolio and hopefully make a 6% to 8% yearly return only to turn around and put it back down onto the mortgage to pay it off faster? I’ve been contemplating on things to do to pay down the mortgage and create some income, no good having this equity just sitting here when it can be working for us! Seems starting a corporation is out of the question now thanks to T2 and his finance guru.
Given that real estate’s fat days are behind us but debt isn’t going anywhere, does this make sense? Maybe. Let’s roll it around.
Millions of people have, collectively, billions in real estate equity. When house prices stop going up, this becomes dead money. The only value you can really ascribe is what it might save you in equivalent rent. For example, a $1.5 million house can normally be rented for $3,000 a month. The family with a $500,000 mortgage and $1 million in equity is spending $2,400 (monthly) on the mortgage plus about $600 in property tax, insurance and utilities (water, sewer) that renters never pay. So they ‘own’ a home for the same monthly outlay as the family who rents it.
But they have put down $1 million to live there. If that were conservatively invested, and returned 6% annually, it’s $5,000 a month. So the house actually costs $8,000, and could yield a non-deductible capital loss as easily as a non-taxable capital gain.
In other words, in a declining, flat, comatose or normal housing market, the cost of ownership when real estate has climbed to these levels is insane. Renters who invest win, ten times out of ten. If interest rates creep up and mortgages renew higher, the economics of owning get worse. In the current environment, a lot of people have to be asking themselves – like Kevin – if there isn’t some way to use that dead equity which is no longer supporting a rising asset.
Yes, a HELOC is one way of unleashing equity. It’s a line of credit secured by real estate, which means the debt is registered against the property but also that it comes with a preferential rate of interest. That’s normally prime + 0.5%. These days that equates to 3.45% (and it may rise to 3.7% in October). The line’s rate is almost always variable, so it will increase along with the bank prime. And HELOCs are demand loans. If real estate prices truly collapsed or another credit crisis hit, the bank could ask you for the money back in, oh, 30 days.
The good news is all of the interest is deductible from your taxable income if the money is used to generate more money. Yup, that could be real estate paying you rent or (wiser) a balanced and diversified portfolio of financial assets. So, if you earn $120,000 and live in BC, for example, you effectively reduce the loan interest rate by 41%. Now the HELOC costs you just 2%.
Given that well-managed, non-cowboy, globally-balanced and diversified ETF portfolios have pumped out an average of 6.5% over the last seven years (two of which were market stinkers), this mean a spread in the 4% range. Last time I checked, that was better than the 0% home equity is currently paying.
So to Kev’s question. If he borrowed $100,000 on a HELOC and invested it for a 7% return, then used the cash flow generated ($7,000) to pay down his existing mortgage faster, would it make sense? Well, interest-only payments on the line would cost $3,450, but he’d reduce his income tax by $1,400 (if he earns enough). So he’s up five grand. That’s cool – it can be used as a pre-payment on the amortized mortgage. But wait. Kevin now owes another $100,000. But wait again. He has a $100,000 liquid investment portfolio.
By removing equity and borrowing, the Harley dude has (a) diversified his net worth, (b) reduced his income tax bill and (c) accelerated the mortgage payments, saving a whack of interest.
This is not a slam-dunk strategy for everyone. If rates rise and the payments get hard to make, you lose. If the world goes to crap and the loan is called, you lose. If your house craters and the bank finds out, you lose. If your job fades, you lose. If you invest in the wrong stuff (like gold, bitcoins, weed stock or junior oil & gas), you lose. If the feds drop the hammer on HELOCs again, you lose.
Debt is debt. The world’s soaked in it. Most people would be unwise to shoulder more.
The best strategy, history will show, is to trash debt by selling high. This is high.
Complex home buying tax strategy, courtesy of Derek Holt – the chief economist at Scotiabank
· Make a $19.2k RRSP contribution just three months in advance of buying a home… • …assuming a 30% tax rate, deposit $6k tax refund back into RRSP… • …then withdraw the allowed $25k maximum under the HomeBuyers’ • …to be repaid to the RRSP in equal installments over 15 years starting 2 years after withdrawal with no interest penalty and the payments are not counted in mortgage serviceability calculations… • …at, say, a 4% rate of interest, this equals $8k in interest savings over 15yrs… • …which means the initial $19.2k RRSP deposit has been parlayed into an effective down payment of about $33k, or an extra 70%+ • No restrictions on the source of the original RRSP deposit (can borrow for it, ‘gift’, etc). • ie: the zero-down mortgage can still theoretically exist • If a couple, and both are first time homebuyers, double all of the math above (ie: turn $38k from liberally allowed sources into a $65k down payment)
· If a major bank’s showing clients how to take $38,000 and game it into $65,000 through exploiting the system, it might indicate we’ve all hit a tax wall. And this is even before T2 Hoovers out the savings of small business operators, vets, docs and the local John Deere dealership.
submitted by Pugeroni to PersonalFinanceCanada [link] [comments]

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  30. 57 points, 6 submissions: joeret
    1. [1991] Point Break - An F.B.I. Agent goes undercover to catch a gang of surfers who may be bank robbers. (34 points, 11 comments)
    2. [1999] The 13th Warrior - A man is sent by the sultan himself on a diplomatic mission to a distant land as an ambassador. Stopping at a Viking village port to restock on supplies, he finds himself unwittingly embroiled on a quest to banish a mysterious threat in a distant Viking land. (12 points, 2 comments)
    3. [1988] Young Guns - A group of young gunmen, led by Billy the Kid, become deputies to avenge the murder of the rancher who became their benefactor. But when Billy takes their authority too far, they become the hunted. (8 points, 0 comments)
    4. [2003] Shanghai Knights - When a Chinese rebel murders Chon's estranged father and escapes to England, Chon and Roy make their way to London with revenge on their minds. (3 points, 0 comments)
    5. [2013- ] Rick and Morty - An animated series that follows the exploits of a super scientist and his not-so-bright grandson. (0 points, 0 comments)
    6. [2016] Arrival - A linguist is recruited by the military to communicate with alien lifeforms after twelve mysterious spacecrafts land around the world. (0 points, 0 comments)
  31. 56 points, 1 submission: Uncle_Crash
    1. More Letterkenny please! (56 points, 21 comments)
  32. 55 points, 3 submissions: MewmewGirl
    1. At least this feature made the jump to the new Hulu and is still with us! (43 points, 2 comments)
    2. 10 second rewind when near a commercial (9 points, 1 comment)
    3. No more FB comments on shows (3 points, 9 comments)
  33. 53 points, 2 submissions: 08830
    1. STARZ Now Streaming on Hulu Ahead of "Outlander" Season 4 Premiere (49 points, 0 comments)
    2. Hulu Reflects on Its First Year of Live Sports Coverage (4 points, 0 comments)
  34. 52 points, 1 submission: andythepharmacist
    1. Discovery stock sees best day in 8 years after announcing it will exclusively stream shows on Hulu (52 points, 1 comment)
  35. 50 points, 2 submissions: Wile__E__Coyote
    1. 'The Body' Trailer - The first movie in Hulu's new Into the Dark horror anthology series (27 points, 3 comments)
    2. Light as a Feather - Discussion Thread [Spoilers] (23 points, 9 comments)
  36. 50 points, 1 submission: Kirko_bangz
    1. "Stats for nerds" (50 points, 4 comments)
  37. 49 points, 1 submission: CarolinianRevolution
    1. Hulu Is on Track to Lose $1.5 Billion in 2018 (49 points, 23 comments)
  38. 49 points, 1 submission: SilentGamer-1
    1. Will King of the Hill ever come to Hulu? (49 points, 11 comments)
  39. 48 points, 1 submission: Pulp501
    1. Is hulu down for anyone else? (48 points, 47 comments)
  40. 47 points, 2 submissions: flurrypuff
    1. HULUWEEN Discussion Thread (41 points, 21 comments)
    2. Question: is there any way to tell Hulu that I DONT like a show (6 points, 3 comments)
  41. 45 points, 1 submission: fredof93
    1. Let's talk about Hulu's original show "The First". Any thoughts on the show? (45 points, 92 comments)
  42. 45 points, 1 submission: siennah5
    1. Shows and Movies being added in September (45 points, 1 comment)
  43. 43 points, 5 submissions: Leonardosmom
    1. I had a little chat with Hulu. (33 points, 9 comments)
    2. Question on Hulu live dvr. (3 points, 7 comments)
    3. Question on Hulu no commercials with live tv (3 points, 2 comments)
    4. Does anyone know ... (2 points, 13 comments)
    5. Dvr snafu? (2 points, 3 comments)
  44. 43 points, 1 submission: ellewoods890
    1. Canadian who just moved to the is Hulu not more popular than Netflix here!? (43 points, 53 comments)
  45. 43 points, 1 submission: greatwhitebuffalo716
    1. Hulu stuck on "infinite" loading bar animation when watching from browser (43 points, 9 comments)
  46. 42 points, 1 submission: Rob_Highwind
    1. Hulu Not Tracking Watched Episodes Correctly (42 points, 10 comments)
  47. 42 points, 1 submission: mitstaguee
    1. Hulu, please let me build my own TV station. (42 points, 15 comments)
  48. 41 points, 1 submission: CredibleSalamander
    1. Hulu finally added Chromecast support on chrome (41 points, 11 comments)
  49. 41 points, 1 submission: Mrsparklee
    1. Hulu needs a random episode button. (41 points, 7 comments)
  50. 40 points, 4 submissions: juventuz
    1. TV Shows under My Stuff reset so ALL shows show up as Unwatched (36 points, 22 comments)
    2. Live Guide Overlay on Different Devices (3 points, 3 comments)
    3. Hulu Live Subscriber, but need the Hallmark Channel. Options? (1 point, 16 comments)
    4. New to Hulu Live and have some questions (0 points, 4 comments)
  51. 40 points, 1 submission: ddelrymple
    1. Hulu, we know you lurk here - please give us an updated android tV app (40 points, 16 comments)
  52. 38 points, 2 submissions: Foobar789
    1. The 75 Best TV Shows on Hulu Right Now (Great stuff here!) (26 points, 19 comments)
    2. Question:. In Hulu Live, is there a way (on FireTV), to go from the guide (or the live feed) directly to the series page? (12 points, 2 comments)
  53. 38 points, 1 submission: cincysportsfan
    1. Fargo Season 3 is live (38 points, 7 comments)
  54. 37 points, 4 submissions: Chr0mag
    1. Deleting from the DVR (20 points, 10 comments)
    2. Channel Temporarily Unavailable (10 points, 1 comment)
    3. DVR Recordings Starting Live? Can't rewind or start over (6 points, 4 comments)
    4. Hulu Live Crashing TCL Roku TV (1 point, 7 comments)
  55. 37 points, 1 submission: Pipboy3500
    1. Hulu-Showtime add-on Increasing to 10.99 from 8.99 (37 points, 17 comments)
  56. 37 points, 1 submission: openglfan
    1. The Good Place Season 3: Definitely coming to Hulu? (37 points, 6 comments)
  57. 36 points, 1 submission: molllysue
    1. Every episode of every show is out of order (36 points, 17 comments)
  58. 36 points, 1 submission: pantheman75
    1. On nights like these I LOVE Hulu! #goPackgo #goBrewCrew (36 points, 5 comments)
  59. 36 points, 1 submission: theygottotalking
    1. Hulu better be up in the morning! I've got shows to watch! (36 points, 6 comments)
  60. 35 points, 2 submissions: Claud6568
    1. Is it just me or is anyone else having issues (20 points, 6 comments)
    2. For the past 3 to 4 weeks every time I start a program it’ll start playing and then all of a sudden the picture disappears but I can still hear the audio. And it says sorry for the inconvenience. Any thoughts? (15 points, 2 comments)
  61. 34 points, 2 submissions: rockstang
    1. Really impressed With Live Service (31 points, 23 comments)
    2. Hulu live updates in carbon county PA (3 points, 1 comment)
  62. 34 points, 1 submission: Pablinex
    1. Just wondering when should Hulu get offline downloading because they stated that by Summer of 2018. Any Updates on this? (34 points, 13 comments)
  63. 34 points, 1 submission: Shuggaloaf
    1. How can I make Hulu stop suggesting and entire category? (34 points, 3 comments)
  64. 33 points, 3 submissions: thisnamenotavailable
    1. Windows Store Hulu app advertises watching college fooball in the app, but the windows 10 app doesn't even support Hulu with live TV (24 points, 8 comments)
    2. Streaming device recommendations for live tv (6 points, 4 comments)
    3. Is the live TV delay improved at all with the new updated website? (3 points, 3 comments)
  65. 33 points, 1 submission: IntelligentFennel
    1. The Best Halloween Movies on Hulu (33 points, 7 comments)
  66. 32 points, 1 submission: kaybea4
    1. Anyone still partially down? (32 points, 19 comments)
  67. 32 points, 1 submission: princessgabert
    1. Brooklyn 99 (32 points, 12 comments)
  68. 31 points, 2 submissions: G_Ramsays_crappy_egg
    1. I found out how to turn subtitles on while using Xbox One! (27 points, 1 comment)
    2. How can I access Subtitles on Xbox One? (4 points, 1 comment)
  69. 31 points, 1 submission: DarthWinston69
    1. Does anyone else hate that you can’t view old episodes without searching for a specific show then it opens up a list? Am I missing something or is this new UI poorly set up? (31 points, 7 comments)
  70. 31 points, 1 submission: buhoo115
    1. Castle rock (31 points, 19 comments)
  71. 30 points, 3 submissions: richbeezy
    1. Thanks Hulu, this is what I get when trying to watch my favorite NFL team playing. You should be issuing refunds with this terrible service of yours. (26 points, 18 comments)
    2. Terrible Lag with any Live NFL games (4 points, 5 comments)
    3. This says it all about Hulu Live & NFL games streaming quality (0 points, 8 comments)
  72. 30 points, 2 submissions: AutoModerator
    1. What are you watching and what do you recommend on Hulu? (Week of October 08, 2018 ) (16 points, 25 comments)
    2. What are you watching and what do you recommend on Hulu? (Week of October 15, 2018 ) (14 points, 12 comments)
  73. 30 points, 2 submissions: WaldenMC
    1. Update: Subtitles are now appearing for me! (17 points, 0 comments)
    2. Anyone having issues with subtitles? (13 points, 2 comments)
  74. 30 points, 1 submission: rasslingrob
    1. When is Veronica Mars S1-3 coming? (30 points, 1 comment)
  75. 29 points, 1 submission: Bad_brazilian
    1. Mark as watched (29 points, 13 comments)
  76. 29 points, 1 submission: dinorsaurSr
    1. Did Hulu Die Again?!?!?!?! (29 points, 31 comments)
  77. 28 points, 1 submission: DeloreanFanatic
    1. Couldn't there be an indication of what in my stuff is actually watchable at the time? (28 points, 1 comment)
  78. 28 points, 1 submission: RippersDoitBest
    1. Was randomly charged $28.89 (28 points, 2 comments)
  79. 28 points, 1 submission: matthew_l_t
    1. beIN SPORTS (28 points, 17 comments)
  80. 27 points, 1 submission: cpne
    1. Live TV Guide (27 points, 3 comments)
  81. 27 points, 1 submission: elizabethjamesjacobs
    1. If YOU got this email, what would you think it meant? (27 points, 15 comments)
  82. 26 points, 1 submission: BossLove1829
    1. Halloween scenes (26 points, 4 comments)
  83. 26 points, 1 submission: Glittery
    1. How do i get to see what is after the dots on "unlo..." in this case? It wont let me scroll to that area. Im on a Hulu Plus app on 2016 Sony Blu-Ray player. I dont know how to view any of the full details when browsing. (26 points, 11 comments)
  84. 26 points, 1 submission: Hallucinates_Bacon
    1. Anyone else have this visual glitch on the bottom right with the image box? Vizio 4K smartcast display (26 points, 21 comments)
  85. 26 points, 1 submission: TheAnswerIsNaR
    1. Black clover episode 52 (26 points, 39 comments)
  86. 26 points, 1 submission: redakdal
    1. the adventures of jimmy neutron,boy genius, missing alot of eposides (26 points, 2 comments)
  87. 26 points, 1 submission: tarajack82
    1. My Hulu Live is not syncing correctly. Voice and audio is off. It’s only happening on Roku tv. Apple TV and Ipad works fine. Any solutions? (26 points, 9 comments)
  88. 25 points, 1 submission: PositiveJig
    1. Marked-As-Watched? (25 points, 9 comments)
  89. 25 points, 1 submission: SHOW-ME-SOURCES
    1. How to change the subtitle settings on Roku? (25 points, 6 comments)
  90. 24 points, 2 submissions: BrokeDad12
    1. Why did TNT just disappear? (22 points, 19 comments)
    2. Roku restarting (2 points, 1 comment)
  91. 24 points, 2 submissions: HenryK81
    1. Did Hulu just stopped working for Amazon Fire TV? (15 points, 19 comments)
    2. CNBC Originals: Bitcoin: Boom or Bust (9 points, 0 comments)
  92. 24 points, 2 submissions: x-15a2
    1. Hulu Live on Roku, Bad Combination (13 points, 13 comments)
    2. DIY Network on Hulu Live (11 points, 2 comments)
  93. 23 points, 3 submissions: Chess_tactician
    1. Good service, horrible interface (16 points, 6 comments)
    2. Why commercials on "No Commercial" plan (4 points, 13 comments)
    3. Unlimited screens/remote devices (3 points, 5 comments)
  94. 23 points, 1 submission: TammyShehole
    1. Is there no way to remove shows from the “keep watching” list? (23 points, 2 comments)
  95. 23 points, 1 submission: greengarden74
    1. Hulu Live TV - delays (23 points, 16 comments)
  96. 23 points, 1 submission: mccannr1
    1. Possible good news for hulu on android tV (23 points, 9 comments)
  97. 23 points, 1 submission: spike_trees
    1. Is Hulu not putting up new episodes of SNL? (23 points, 14 comments)
  98. 23 points, 1 submission: vclapper
    1. Won’t let me watch anything, every single show looks like this, anyone know why? (23 points, 9 comments)
  99. 23 points, 1 submission: z06gal
    1. New to Hulu live tv and love it (23 points, 16 comments)
  100. 22 points, 1 submission: activatesmyalmonds
    1. How do I make Hulu always start from the beginning of an episode? (22 points, 4 comments)

Top Commenters

  1. Paper_Coyote (239 points, 69 comments)
  2. abakesacake (232 points, 1 comment)
  3. WarpSeven (224 points, 96 comments)
  4. bryanesler (213 points, 71 comments)
  5. akmcbroom (197 points, 104 comments)
  6. NobodyByChoice (133 points, 50 comments)
  7. ElaborateTaleofWoe (132 points, 2 comments)
  8. Chr0mag (130 points, 52 comments)
  9. juventuz (104 points, 44 comments)
  10. jmwebb22 (104 points, 43 comments)
  11. undergroundmma (100 points, 45 comments)
  12. midtowndude (97 points, 7 comments)
  13. drv687 (94 points, 48 comments)
  14. Ctmarlin (82 points, 3 comments)
  15. Talrynn_Sorrowyn (79 points, 28 comments)
  16. fudge_u (76 points, 14 comments)
  17. -xenomorph- (75 points, 19 comments)
  18. splsplinter24 (75 points, 6 comments)
  19. xrixxirx (74 points, 19 comments)
  20. Ajs1004 (72 points, 39 comments)
  21. jsparker77 (71 points, 21 comments)
  22. Foxy-Knoxy (71 points, 12 comments)
  23. Nowhere_To_Go_ (69 points, 3 comments)
  24. c1ncinasty (68 points, 7 comments)
  25. BabyStockholmSyndrom (66 points, 2 comments)
  26. bdgofish (65 points, 37 comments)
  27. GoombaEkim (65 points, 12 comments)
  28. MochaLove1 (62 points, 3 comments)
  29. Kuckucksuhr (59 points, 16 comments)
  30. BrianBuster (59 points, 9 comments)
  31. Goweschon (57 points, 22 comments)
  32. 9Blu (56 points, 5 comments)
  33. 5ykes (55 points, 10 comments)
  34. WagonsFullofBands (53 points, 5 comments)
  35. anonRedd (50 points, 23 comments)
  36. GadgetFreeky (50 points, 4 comments)
  37. puppytargaryen (49 points, 12 comments)
  38. Sum_Dum_Gui (49 points, 10 comments)
  39. dsmitty166 (47 points, 20 comments)
  40. miggitymikeb (47 points, 15 comments)
  41. 3nuts1man (47 points, 13 comments)
  42. Madly_Maxie (47 points, 2 comments)
  43. Haltopen (46 points, 6 comments)
  44. Datathrash (44 points, 5 comments)
  45. ShadySean (44 points, 2 comments)
  46. ScrollButtons (43 points, 2 comments)
  47. Leonardosmom (42 points, 25 comments)
  48. HulkSmash313 (42 points, 5 comments)
  49. D_O_I_F (42 points, 3 comments)
  50. kinnaq (42 points, 1 comment)
  51. ThrowUpDaX (41 points, 15 comments)
  52. strikeMang (40 points, 11 comments)
  53. uuff (39 points, 11 comments)
  54. PM_ME_THEM_UPTOPS (39 points, 5 comments)
  55. Foobar789 (38 points, 20 comments)
  56. elizabethjamesjacobs (38 points, 2 comments)
  57. NotoriousOKC (38 points, 1 comment)
  58. STEAL-THIS-NAME (37 points, 5 comments)
  59. adferris85 (36 points, 17 comments)
  60. Smallgenie549 (36 points, 5 comments)
  61. lovingyou911 (35 points, 12 comments)
  62. joeret (35 points, 5 comments)
  63. sethpetersen (34 points, 10 comments)
  64. pezzygal (34 points, 8 comments)
  65. Ag3ntK3ntucky (33 points, 17 comments)
  66. sherlip (33 points, 10 comments)
  67. AmnesiaInnocent (33 points, 8 comments)
  68. DosesAndNeuroses (33 points, 4 comments)
  69. decoy_effect (33 points, 2 comments)
  70. Jaques_Strappe (32 points, 17 comments)
  71. Matt_XY (32 points, 4 comments)
  72. stechreddit (32 points, 2 comments)
  73. Thumper13 (31 points, 5 comments)
  74. Hmluker (31 points, 4 comments)
  75. Creeper1981 (30 points, 6 comments)
  76. timrbrady (30 points, 6 comments)
  77. daylightxx (30 points, 4 comments)
  78. Yortisme (30 points, 1 comment)
  79. sgd1031 (29 points, 15 comments)
  80. AVonGauss (29 points, 12 comments)
  81. ButWaitTheresAnxiety (29 points, 11 comments)
  82. T-Town2468 (29 points, 6 comments)
  83. MossBoss (29 points, 2 comments)
  84. rsprobo (28 points, 7 comments)
  85. rockstang (28 points, 6 comments)
  86. Bhairitu (27 points, 15 comments)
  87. NCResident5 (27 points, 13 comments)
  88. ericerk123 (27 points, 12 comments)
  89. shirts21 (27 points, 8 comments)
  90. ChoiceD (27 points, 6 comments)
  91. ClintSlunt (27 points, 3 comments)
  92. King-Of-Rats (27 points, 3 comments)
  93. kkkkat (27 points, 3 comments)
  94. NaieraDK (26 points, 12 comments)
  95. Snannybobo (26 points, 11 comments)
  96. briveltt (26 points, 8 comments)
  97. AngryRooster223 (26 points, 7 comments)
  98. throwawayyyyyyyy888 (26 points, 7 comments)
  99. JustifiablyAwesome (25 points, 12 comments)
  100. atan420 (25 points, 10 comments)

Top Submissions

  1. Hulu not working by BrianBuster (219 points, 216 comments)
  2. King of The Hill, please. by KingEllesar (209 points, 24 comments)
  3. Hulu Down? by -xenomorph- (160 points, 200 comments)
  4. Hulu is telling me playback failure, anyone else have this? by jdpm1991 (120 points, 106 comments)
  5. 'Jeopardy' Will Now Stream on Netflix and Hulu by razmig (115 points, 12 comments)
  6. ‘Veronica Mars’ Revival Ordered to Series at Hulu by shabuluba (111 points, 14 comments)
  7. PSA: The League is now streaming on Hulu by StirCharles (104 points, 17 comments)
  8. ‘Jeopardy!’ Comes to Hulu in Quiz Show’s First Streaming Deal by WarpSeven (102 points, 12 comments)
  9. 'Make It' is a must watch. by grim2577 (99 points, 30 comments)
  10. Discovery stock sees best day in 8 years after announcing it will exclusively stream shows on Hulu by WarpSeven (98 points, 7 comments)

Top Comments

  1. 232 points: abakesacake's comment in Hulu not working
  2. 119 points: ElaborateTaleofWoe's comment in Hulu Down?
  3. 63 points: BabyStockholmSyndrom's comment in Hulu not working
  4. 55 points: midtowndude's comment in Hulu Down?
  5. 51 points: splsplinter24's comment in Hulu Is on Track to Lose $1.5 Billion in 2018
  6. 43 points: ShadySean's comment in Hulu not working
  7. 42 points: kinnaq's comment in Hulu Down?
  8. 41 points: 9Blu's comment in Hulu is now requiring live TV subscription for old shows?
  9. 41 points: Ctmarlin's comment in Hulu Down?
  10. 38 points: Madly_Maxie's comment in Hulu not working
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Transcript of George Webb Video Series Part 304 "Hillary's Leakers, Hackers, and Henchmen" [@Georgwebb / #HRCRatline]

  • Day 170.1 Chrystal and Flynn Recommended Gritz For Key Post in 2005, SES Knocked It Down - YouTube
    • It's day 170 for those folks who weren't following yesterday we had a chance Task Force an ID to meet Robyn Gritz last night
    • And she was a counterterrorism agent within the FBI for a number of years
    • I think about two decades
    • And she briefed a lot of presidents and--we went through her career
    • And she kind of was knocked down by a Andy McCabe unfortunately as they started competing for positions
    • And he started moving up through the ladder
    • And I've kind of used Richard the third as the Andy McCabe character
    • And this this woman here was as sort of the Margaret of Anjou--if you will
    • Lots of historical analogies that you can you can pull
    • But what was really great is meeting both love having Robin meet with with Task Force--Task Force to talk about law enforcement
    • And then kind of when you get in the way, what happens?
    • Especially kind of in a male-dominated area
    • So there's a long conversation about three and a half hours
    • But what I took away from it, I left on me post last night
    • But the last thing I said so you can see can read that
    • But the last thing I said was to get Robin over 20 thousand dollars
    • I PROMISed I would and we'd get her over that
    • I really think this should be around 500,000 of her to mount a legal challenge
    • And it's more important than just writing the wrongs of Robyn Gritz--as far as what happened to her career
    • She really was on the fast track all the way back in 2005 with General Stanley McChrystal, way before Mike Flynn
    • She was working with Mike Flynn at that time
    • But this was really it she was kind of on the fast track
    • And her appointment in 2005--and I think this is so important to go back to that date
    • To a person was put in the job where the crystal
    • And Flynn did not know who the nominee was they had both nominated her for this job
    • And she was yanked out of this in McCabe kind of SES guy was was put in the position
    • And that goes all the way back 13 years to that critical juncture, where she was kind of on the fast track to be maybe the head of a DIA or something like that
    • So I think this is really important history to share--that really
    • She briefed so many different presidents on some of the most sensitive kidnappings and our in our nation's history
    • And I think Trump would do well to sit with her just just to review those situations if nothing else, from the perspective of the FBI
    • And then the other thing I think this is [[Director Freeh]] a Louis Freeh
    • Get back to the get back to the historical roots
    • And values of the FBI
    • I think that's the other thing that Robyn Grits could briefed the president on
    • So I really want to get away from this idea of Robyn Gritz as the victim...and get more toward the idea of Roby Gritz as the expert there's a great deal of expertise that she could lend at Trump
    • And Trump is only gonna get this insight or SES old boys club
    • It's not even old boys club is kind of a new new boys club--billionaire boys club perspective of the FBI
    • And this I believe Trump really has this opportunity in a briefing
    • It's really get the old FBI, the old ethics, the Louie Freeh ethics of the FBI the Kallstrom type ethics of the FBI
    • So anyway looking down here on the donations
    • There's always some--glad-hander grandstander that always wants to be number one, this idiot George Webb or George Sweiggert
    • So I'm thinking about doing that that dope
    • So anyway that is this morning's update
  • Day 170.2 Trump Sanctions Deripaska. Firtash and Pinchuk Next? - YouTube
    • It's Day 170
    • And this is part two
    • And the big news story obviously is the Treasury Department's sanctioning the different Russian individuals as well as entities
    • And they're seven Russians, including Oleg Deripaska you remember Oleg Deripaska the pasta that comes out of your salad with the derringer that Deripaska
    • You've also got 12 Russian companies and then 17 senior Russian officials
    • And these officials usually are just kind of fillers
    • And its really the companies and the Russians that are really interesting
    • Now, you'll notice that we've done a lot of work on a like Deripaska
    • So I created a playlist for him
    • And then also with Russian companies you'll see three or four different Russian companies like VTB Bank and others that I've focused on
    • And that I put out on Twitter as well this morning's for background on who these people actually are
    • What we're going to continue doing is continue identifying more Russians more of Hillary's Russians
    • Christopher Steele's Russians, Andy McCabe's Russians that they work with
    • And these are just organized crime figures they were FSB agents they became organized crime figures
    • And basically they've been running different types of Kompromat
    • So we'll be focusing on Russians like the VeroPharm deal with Abbott Laboratories here in Chicago with Rahm Emanuel
    • And our famous basketball-owning Russian oligarch basketball-team-owning Russian oligarch in New Jersey Mr. Pinchuk
    • We'll be looking at the pinch-Bears the famous crowdsource a crowd strike a hacking team that potentially just got exiled or expelled by Trump
    • So the are the pinch Bears associated with Pinchuk?
    • Was that associated with getting the VeroPharm deal through and other Russian drug company deals through other Russian weapons deals through we're gonna look at that we're going to look at Firtash we're gonna look at other oligarchs like Katsyv and we're gonna look at Friedman
    • So all those names will be coming
    • And our objective here is to add to the list of people on the US sanctions
    • Take out all of Hillary's and Christopher Steele's and Andy McCabe's Russians: that's the key
    • Now, the other thing that could help is bring people to the White House that can luminate Trump's knowledge of anemic Apes Andy McCabe's tactics
    • And also informed public policy on terrorism counterterrorism somebody like a Robyn Gritz being invited to the White House is what we recommend
    • We still have a hostage in Iran this
    • A lot of these dealings with the Russians were for the Iran deal we have Anthony Weiner's trusted staff negotiating these deals on Blackberries
    • We have the different Gmail accounts from the State Department negotiating these deals with Iran
    • Now, we have people shooting people from Iran at YouTube
    • And now, we still have a hostage there in Iran
    • Was Robyn Gritz shuffled off the Robert Levinson deal because she was making too close--she was getting too close to family--she's making too much progress?
    • We really don't know the answer to that
    • But we think that President Trump would do well to get an insider who's been on the case since 2007, has years of experience with negotiating with the Iranians, to the White House to get an outside the bubble perspective on the Russian Iranian situation
  • I'm not going to transcribe the live videos--they are too long and I can barely keep up with the short ones
  • Day 171.1 Why Be A DHS Expert If You Ignore the Awans? - YouTube
    • It's day 171
    • And just to be sure I checked into the plum book
    • And made sure my brother wasn't in there, and he wasn't
    • So the plum book if you don't remember is a listing of jobs available in the public sector
    • These are civil servants jobs, starting at the presidential appointees, down to Senate confirmation, to just presidential appointees without senate confirmation, and then of course the all ubiquitous SES a Senior Executive Service, which is sort of a sort of a union if you will, at the top executive levels inside the Government
    • What I'd like to do sometimes is take these names or different keywords and go through the plum book
    • And just show people the number of occurrences
    • And I realize this is kind of the hard work of research
    • And maybe not particularly interesting for all the catfights on Twitter etc catfights on YouTube
    • But it is kind of the stuff that makes or breaks hypotheses and kind of moving the ball forward
    • So anyway if you remember before I just took the occurrence of the word homeland
    • And I saw 39 occurrences over here 39 occurrences in the plum book
    • And my theory here is that the DHS or the Department of Homeland Security is sort of used as a wedge or a funnel for the DoD to kind of insert people into a kind of a national control mechanism--a U.S. control mechanism
    • So the same techniques used overseas to gain control of kind of a an undercurrent or or a party or a union like the SEIU let's say
    • And then you would take over that labor union like let's say Poland way back when when Poland was being overthrown, you would use that Union to do all your communications protect your communications until the time of overthrow
    • Is that the same thing the DoD is doing in the United States with SES? Is sort of theory
    • So if you don't remember Lisa Monaco would just go down a list here this is really the first occurrence
    • She's really kind of brought up as a--a young, hard-charging young female attorney as a DHS expert
    • And then if you remember the kind of the PR shots in the White House
    • Here's Lisa Monica of course Susan Rice and Samantha power they all sit on the couch together all day like that and go through their papers
    • So these are kind of glamour shots obviously this is not a very realistic working situation here in the White House
    • So and I understand a certain amount of this this is a this is good PR...
    • She's from the University of Chicago and then got a pedigree at at Harvard
    • So moving along in the plum book
    • She's not even Senior Executive Services you can see over here she is--just presidential appointee
    • So we'll go quickly through the different appointees in Homeland Security
    • And most of the folks are not listed there this--kind of a Ditto kind of thing career incumbent they're Korean come
    • But they're--they're ditto there and then career incumbent
    • Again, this Thomas F Atkins interesting
    • So I just what I do on these is I drill down on two or three just to get a feel for people to get a feel rather than just end the discussion, and not do any more detail detailed research on the SES books
    • So here's Thomas Atkin--was once the former acting secretary of defense
    • I don't know if that is when who who was the Secretary of Defense he was acting for
    • But he's got his own group now, he's left in 2012
    • I'm trying to think of what shake-up happened inside me Department of Defense at that time
    • Senator from Nebraska I believe was the Senator then became the Secretary of Defense
    • But anyway he's got a new company now, he's broken away from the...or else he's joined this other group
    • Here he is the assistant secretary of defense here cyber strategy...and then Homeland Security
    • And then of course the obligatory time at Raytheon--gotta know where those cruise missiles are at all times
    • Then of course a visiting fellow here at the Homeland Security Institute and here we go back to the Coast Guard
    • And this seems to be the Coast Guard seems to be that kind of a key inflection point for kind of entering people into DHS
    • Seems to be quite a bit of emphasis there
    • Border security and so forth Operations Group
    • And the my only question is--I look at all these different resumes, and I see all these add all this expertise
    • But the simplest questions that can't be answered in Washington
    • About what's going back and forth on Imran Awan's server?
    • What are the terabytes going back and forth Imran Awan's server?
    • A lot of this emphasis starts on FEMA I noticed there's a similar emphasis with the Army with FEMA on some of these resumes
    • So he kind of comes up the ranks for FEMA here
    • So I'll just quickly go back here, look at some other resumes
    • Vacant
    • Career incumbent
    • Vacant
    • Matthew Gula that's the GS position
    • So Jeh Johnson of course we all know
    • Mayorkas was kind of the guy who was kind of drummed out of the service because of dirty dealings
    • And Erin Walls she's GS so we won't talk about her
    • And again, when he gets to the ES positions
    • Again, you see there's just a lot of vacancies
    • And again, John Roth was the Inspector General of Homeland Security for another career incumbent
    • Just not a lot of data
    • The only one person really would get any data as the Coast Guard guy
    • And is that because that I don't know Americans have an affinity for the Coast Guard?
    • Here's John Roth we still don't have an Inspector General for Homeland Security
    • Again, that's another position, yet another Inspector General position, that's not filled with the Trump administration
    • I don't know if that's by design or on purpose but
    • Again, here are the whistleblower protection Ombudsman vacant vacant
    • So you've seen really there's only one here
    • Again, Ditto
    • Only one position we've seen
    • So far in the ES
    • Again, vacant of who actually runs these things and
    • Now, here this is a million homeland security
    • So those are all the occurrences of the word Homeland Security
    • And my takeaway would be we need to know these names
    • And we need much more scrutiny on if you're going to be in Homeland Security if you're gonna be an expert you're gonna be the assistant secretary of defense you're gonna have all this border security, and all this knowledge, and all these consultancies, all these groups, all this expertise, you have to apply it to the most pressing need in the country right, now, which is the Awans
    • Terabytes to Pakistan
    • Hundreds of suspicious payments
    • Thousands of suspicious logins
    • If you don't apply your expertise to the most pressing problems, what good is the expertise
  • Day 171.2. Introducing UpWhistle and Rich Seng - YouTube
    • It's day 171
    • And i'm here with the founder of giggety this is rich hello saying how you doing yeah how you doing to everyone like many of you I've been following George from--day 50 or
    • So really been impressed with how media is changing because we can
    • Now, take control of the narrative
    • And we're no longer trapped into the mainstream media
    • And riches rich is not satisfied with just having a first name of rich
    • And he has filmed people who's saying
    • And he did get rich that way as the founder
    • And CEO herein
    • And I don't know how rich you are now
    • But I'm penny not uppity giggity-giggity I figured no no diggin what we did yeah giggity is a live streaming company we would go to music venues
    • And comedy clubs how to use you this morning YouTube could have used you
    • And we installed the cameras
    • And microphones permanently
    • So that event you no longer had to like--do anything
    • But just spend one minute scheduling to start time
    • And end time on a broad kind of like a newsroom yeah
    • And then--is it going to be free or pay-per-view if it's a pay-per-view how much does each artist receive
    • So we're like buddy guys legends we're at second city in IO
    • And venues in Los Angeles
    • And in Boston
    • But still were 40 or 50 of these venues about 40 yeah and--we were allowing people who could not attend a rock show or a comedy show to just pull up the live stream
    • And then get then get money for all the artists to watch run if your patreon that's perfect yeah yeah
    • But it wasn't like a donation it was more like you had to pay five bucks for the pay-per-view ticket oh
    • So it's more than just a donation on the month
    • Now, you see the Flatiron Building behind us do they call this area of the Flatiron well this is areas Wicker Park
    • And it's mainly like an old Polish neighborhood *--they built all these old buildings just fix this Roby hotel over the Robie Hotel your startup have your meetings on the second floor of the Roby great great breakfast there too we didn't actually eat there we just look well we had some bagels yes courtesy of giggity yeah
    • So I always make offers to make myself rich
    • But I try to I try to make it look like it's a team effort because that's what I do right and
    • So what I talked to you about was up whistle
    • Now, here's my idea of up whistle is--how you upload stuff--people upload stuff right yeah yeah wouldn't it be great wouldn't it be great if whistleblowers had a way of up whistling if you had like some like oh here's Imran leaving with the Bitcoin--with the leg up like this leaving Rayburn if you're Andrew McCabe with like a change of conscience in a lumination of your conscience yeah Rahm Emanuel
    • And you're--going into the back of the cabs--getting the drop from from Podesta would it be great if you could up whistle yeah well you put up your your leak theoretically
    • And then the crowd would go
    • there's something here that the main guru you could vote it you could own it you cannot vote it
    • And vet it
    • And then--what I found out--what I found out I had this great idea of up whistle I had this out domain name
    • And guess who had the domain before me yeah I happened to scoop up the name right before George
    • So I own up whistle calm
    • But it's going to be something for like like one of the things I've watched Infowars like Alex Jones used to infuriate me because there's
    • So many good stories like yours that just never got hit upon
    • So I'm like what if there was up whistle where people could people could bet those RLC SSDs convention this weekend people could vet the idea
    • And then then Alex Jones
    • And all of these like independent alternative news wired networks they would just have the cream the cream a story this the cream idea would just be right there for
    • So it's better than up voting it's up whistling because what you're doing is you're working you're going on to a crowdsource sites you're getting a lot of data you're you're finding some kind of stuff it's kind of like our Trello board only it's up whistle for everybody
    • Now, the world cannot vote that on the Trello board base yeah yeah yeah
    • So basically--if you are an insider
    • And you have that illumination of conscience well you're like--this is hurting society civilization this needs to get out well let's just say somebody said here's the address of mis department yeah could you go by
    • And fill me in todepart yes you could you could just--hop on your bicycle you get on the bus you can yeah well maybe we'll do that see if this guy's really--how did you let me talk you out of
    • So much stock in our first meeting yes I think I think they're going for you rob we're here in Winter Park at he's just a faker
    • let's let's put you to the test let's see if we can find we're gonna give we're gonna be like a scavenger we're gonna give you its on California talent we're gonna give it a walk yeah we're gonna see if you can find the Mis Department we're all the FBI phone calls remember Hawkins member Andre Hawkins making all those phone calls that's what that that metadata I just told the story that metadata when I share it with two people from the DNC at I won't say what place in Washington DC they said no no no there's two letters there's two joint funding letters I'm like oh there's another joint funding letter thank you
    • And then Donna Brazile came out with a prequel about three days later admitting to the second joint funding agreement to sweep the NGP Van data sweep the money to Brooklyn
    • let's go let's go
  • Day 171.3 MIS Department For the DNC. - YouTube
    • It's day 171
    • And here we are at the MIS Department for the DNC and so it's a public address right?
    • So we're the public address it was I first found it once MIS was in the news and everything your news yeah it was on Facebook
    • And I'm like oh my gosh this is like it's on California Avenue I'm just six blocks away
    • So I just rode my bicycle here, and the building is right here yeah and
    • So this antenna behind us is the 14th precinct to here in Logan park?
    • Logan Square Logan Square
    • So this is kind of the new gentrified was Wrigleyville
    • And then it was Wicker Park.. all right with the park and
    • Now, yeah it's constantly like moving Northwest from from downtown area
    • But yeah yeah
    • And it's real complicated you think I mean this is the location
    • It's obviously a business address according to the DNC yeah
    • And how many times do you think Adrienne Hawkins would have called?
    • Wait history maybe six nine nine nine times
    • And the Calls came here and they didn't answer the phone! Answer the damn phone yeah!
    • So anyway there it is this is the famous location this is what I noticed the I did like OJ Simpson driving the white Bronco
    • There's a there's a guilty demeanor here
    • Like a guilty conscience that you see whatever they're just security yeah I don't think the choppers live here anymore
    • well they must get some blood buzz here if you go they have cameras
    • And they moved the camera
    • So oh it used to be in behind the window on the second floor
    • the no loitering no trespassing 14th district police call 9-1-1
    • Let's let's keep moving then we certainly don't want I just was trying to get my donations back
    • And I was wondering if I could put a slip in, like a night slip saying hey could I have my could you un-exfiltrate--is that a word?
    • Can you un-exfiltrate my terabytes from Pakistan my NGP Van data all the--all the personal information that they scraped with the Facebook profiles
    • Now, let's see Trump got what 27 thousand Facebook profiles and Cambridge analytica gave Hillary what like 4 million or 40 million?
    • yeah I know I up the AGP ban hold all that oh I don't know I don't know how many Hillary got
    • But I know Cambridge analytic I think Facebook just announced that it's like not 70 million
    • 70 million Ok we're up to 70 million profiles here yeah
    • So and then but Trump did get 20,000
    • So let's like call him on the carpet for that right
    • And get Bob Mueller Bob highly-enriched Mueller
    • So here we are in beautiful Logan Square we're gonna try to cross the street without dying
    • So I guess you think the Chopras--I don't think the choppers still live here
    • Well do you think Oprah's was just a cover like Chalupa where's Chopra's like Chalupa?
    • Yeah they're going to great lengths to conceal their identity, it seems
    • Like yeah I mean I think everybody said oh we love Chopra's I think they said
    • Willa who sounds really smart to everybody trust well that Chopra guy right yeah
    • What's his name Chopra the Chalupa how was it--it was the Alexander Chalupa for the Ukrainian girls okay
    • But I think they thought: well if we have the Chopra's running the Mis Department yeah they'll seem like a bunch of smart trustworthy people yeah
    • Not the Awans, the ones that get arrested for coming in from Montreal and PAK ISI
    • So there you have it well we'd like to upwhistle this suppose we wanted to upwhistle this right upwhistle is is not up yet--we're just
    • Now, kind of like brainstorming we're gonna race home anima
    • But what if we had all the pictures of the inspectors general yeah right listed all 73
    • And you could up whistle if you remember the house you'd have Theresa Graphenstine's pictures search house
    • So first of all you'd know who your Inspector General is right
    • You would then, so if you had if you were like you were saying for example in the Department of Energy--and suppose you were a relative or you knew something that was going on suppose you were there
    • And you knew that Imran was beating someone in the house...
    • So yeah yeah we would have to build something where you could perhaps anonymously put up a tip or a flare or something
    • So if anybody knows a good there was lithium and then a couple of other kind of like Facebook in Facebook type of things where anybody can post anything--you can post video you can post whatever yeah right
    • {{ 911: It's called 4chan 8chan. You're reinventing Q }}
    • And then you upload it you know
    • So you can upload your your hit
    • And then or your your your your allegation perhaps--suppose your lavoy finicum face Emily you could upload your family him being--shot yeah your grievance right right
    • And then and then you're just saying
    • community let's drill down on this let's let's test this idea let's see if it's true or not let's put forth the supporting evidence
    • And if it's true then we have righteous wrath--we then have a right to then demand justice or demand a wider investigation from our elected officials
    • And man I tell you what will populate the hell out of that house that house up whistle with the Theresa Grafenstine our Trello board whooo! will go right in there
    • Well thanks this has been great we'll have probably maybe one more secret up whistle meeting that you'll be a part of if you stay tuned
  • Day 171.4. Dough-Nation UpHustle On UpWhistle Stock - YouTube
    • Rahm I'll get you the bitcoins soon we're gonna try to get it in the basmati
    • The basmati barge the basmati barge hasn't come along just yet
    • But will we're gonna try to get we're gonna put it in some Lobster Thermidor ice
    • Oh wait oh we're on we're live uh hey
    • So upwhistle--already you remember donation
    • But not donation
    • But dough space nation---they should do ugh nation the guy who did the shoes that guy who did taskforces shoes
    • Dough Nation was trying to sell me upwhistle shares.
    • He said hey I got a friends and families round: tier one to your level get in on the mezzanine get in
    • << video cuts. It's probably a good thing>>>
  • Day 171.5. Leaving Clinton Station For Loop Capital With Rahm Bitcoin - YouTube
    • Day 171 here we are in the loop
    • Not Loop Capital, we're just on the regular L loop
    • They don't say loop capital, so that's not my train
    • But anyway talking about upwhistle, we're looking at 73 different inspectors general
    • One way more important than all the other ones, which is the Intelligence community Inspector General
    • But we're looking at upwhistling 73 different inspectors general
    • We're gonna start with a house of course getting that position refilled
    • We're going to start with the IC community Wayne Stone
    • He needs to go out
    • But then Department of Energy--the IC community is probably the most important
    • But having a place in where people can upwhistle all the documents
    • Hey here's an interesting thing: Imran stabbed this girl
    • That's interesting here's the police report just up whistling documents like we did on the Trello board
    • But for all three inspectors general
    • If I saw for instance a problem with the track here I would want to just take a quick picture it's at Clinton
    • You don't want this train to derail
    • But you don't want to wait forever you want to react immediately
    • You want to take advantage of the Intelligence of a crowd
  • Day 171.6. With Robyn Gritz Vs Bromwich Let's Get Robyn Over $23K - YouTube
    • It's day 171 this is part six I think something like that maybe seven
    • Task Force can you turn your head that way?
    • So here with Robyn Gritz as you can see wave hi Robyn
    • And with Task Force
    • And her are talking quite a bit with Bernie bridges--that's Bernie bridges
    • What we really would like to do is get Robin she's only a hundred
    • And forty bucks short of twenty three thousand
    • And really what we're trying to do here is to compare real grassroots fundraising, versus this Bromwich, which I call broom-which
    • Bromwich is the all Inspector General for Bill Clinton in the DOJ
    • And he's got a PR firm now
    • And he--he's been in all these high-profile cases DOE
    • And did the BP oil cleanup...and Andy McCabe
    • He's now representing any McCabe at this PR fake PR $500,000 go fund me that Andy McCabe has for his legal fund
    • So I just like to show everyone what real grassroots fundraising looks like
    • And if you could spend a little time today, give Robyn Gritz some love
    • I'm still the top contributor one thousand sixteen dollars if anybody wants to beat that I'll go higher
  • Day 171.8. Gritz Gofundme Part Two - YouTube
    • It's day 171 we're here at the Robyn Gritz fundraiser
    • You see a lot more people are here a lot more people are learning about Robyn Gritz and all the different things she did while being an FBI agent
    • She's talking to Task Force here [Music] [Applause]
    • One of the things I've learned I've learned so much
    • But there's a file there's a Gritz file
    • And I would put this out to all the internet people are being spanked here while I'm talking
    • There's a Gritz file yet that Robyn gave to Grassley--Robyn Gritz gave this file to Grassley
    • It was all the pain it was all the press clippings of all the terrorism cases that she worked--it's the Gritz file
    • And it literally reads like 20 different cases in our modern American history
    • And what I want to do over the next couple of days
    • And I would love for Jason and crowds aren't the truth Crowdsource the Truth or Emerald Robinson at One American network to do this more professionally that I can
    • But just tell the story of all the cases that Robyn Gritz has worked
    • Who knew that she worked the 20th hijacker case?
    • One she worked the 20th hijacker case
    • Two she worked the Sabina case--the Iranian journalist, the beautiful beauty queen Iranian journalist, Sabina
    • And got her extracted from Tehran, from her kidnapping
    • Who knew she saved a plane of 300 people
    • Who knew how many different mob disruptions of commercial airlines there were
    • Who knew there was a thousand people in a planned bombing in India that she subverted and disrupted
    • This is Robyn Griz story the Robyn Gritz story is
    • So much more than you know
    • It's not just the only woman to have the courage were the only agents and the courage to go against Andy McCabe
    • She's not just the Robert Levinson negotiator
    • She's not just the captain Phillips--Navy SEALs three Somalis pirates zero--that's not--that's just a very small segment of the hundreds of cases, the hundreds of cases that Robyn Gritz has done
    • It's my job to crowdsource the outline
    • I want Robyn to write a book
    • General Flynn has told her write a book
    • Tony Schafer has said, well we want to get her to touch with Tony Schafer at McCulloch who's Tony Schafer's lawyer
    • We want to crowdsource the outline we want to crowdsource the first chapter
    • We want to crowdsource the third chapter the 2nd chapter
    • We want her to get a book deal
    • We want her to get a movie deal
    • This is a true American Hero--it doesn't matter if she is a woman or a man
    • Robyn Gritz has stopped--has stopped the one one man in history and of our country to perform a Sedition--to perform a sedition in our country
    • Andy McCabe
    • She was a one agent who stopped that
  • Day 171.8 Gritz File Will Reveal A Hidden History of America - YouTube
    • OK it's day 177
    • And this is part 8
    • And it's pretty late into the evening
    • And we are here near the Rosemont mall not far from the O'Hare Airport just over here where Rahm is collecting Bitcoin on the are from Imran and friends
    • But I had a chance to spend about eight or nine...gosh it's been a long time with Robyn Gritz
    • And what I've learned is I don't know anything about the extent and the breadth and depth that Robyn Gritz had in terms of our national history
    • I mean we she she starts out in New Jersey with the Blind Sheikh
    • 9/11 happens
    • She is involved in flight 77 that goes into the Pentagon
    • We have the anthrax case with Tom Daschle, not too long after that
    • Of course we have the Robert Levinson case after that
    • There's a couple of other plane interdictions or bombing interdictions that I need to bring out
    • The Saphira journalist--the beautiful Iranian journalists I think she was like Miss North Dakota
    • And extricated her from kidnapping--that story
    • There's just so many stories that have been buried
    • And--everyone says well--just let it go no I'm not gonna let it go I'm gonna throw it up on the wall and say hey these were all things that Robyn Gritz did as a great agent--
    • Everybody says oh--Maersk--Captain Roberts was a great thing--the only agents to stand up to Andy McCabe
    • It's very cold, so I'm sorry I'm chattering a little bit 8 Everyone wants to say all these--11s...she was very close on Levinson she was doing something on Uranium One
    • John Solomon was talking to her, Sarah Carter was talking to her
    • She was very close on something with Uranium One I don't know if Robert Levinson or someone
    • But there were agents agents on her team as a Supervisory Special Agent that were abducted or not abducted, but they were withheld or held in UAE
    • And I believe as I've said before the UAE is the conduit to Iran
    • Were their reactors sold from Lawrence Livermore labs to the Iran?
    • Where their secret centrifuge farms with Jeffrey Sterling, selling the big washing machine type centrifuges, and then the smaller microwave type centrifuges
    • We really don't know, but a lot of pieces could come together if Robyn would get out there on a like a crowdsource of truth or a one American network
    • And do the long-form interview
    • And really put out--the pieces
    • And what I really want her to do is kind of crowdsource the outline crowdsource the outline of all these--
    • She she really has just been involved in all these different cases in our American history it's just amazing
    • And she presented a file which I call the "Gritz file" to Senator Grassley which just case after case after case after case of--newspaper clippings of things that she'd been involved in
    • And I think it's really up to people like Crowdsource the Truth or I can do it--whoever to really--cover the whole panoply of the full flight of the arrow as I like this to call it of Robyn Gritz's impact on American history
    • I mean it's it's it's quite amazing--named a case--xx xx hijacker case one in case to just being one Sapphira being another case
    • All these cases are just like been sublimated, and they they need to be brought to the fore
    • And the other piece is Andy McCabe's co-opting of the credit before these cases also needs to be brought out
    • And I think when the American people see this the this hidden history the rewrite is going to occur very quickly of what actually happened in the last 20 years
    • And this cabal this self-congratulatory, self self-rewarding, self-dealing cabal will be exposed at the FBI
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Police Chase In Little Rock, Arkansas, October 6, 1997 Little Rock Gang Retrospective Bank robbery in Little Rock's Hillcrest neighborhood Ex-Bank Robber Attempts A Heist In Grand Theft Auto V ... Bank Robbery in Little Rock

Rock And Roll May Be Dead But Bitcoin Is Not Dead. As surprising as it may seem, the rock legend is not new to investing in Bitcoin. Behind her dark eyes with make-up is a successful entrepreneur with a net worth of around $ 400 million. While the public often remembers Kiss’s soloist because of his iconic makeup, few know that the Israeli-born American owned a chain of restaurants, started ... There’s a chance consumer trust in bitcoin may survive. What happened to Mt Gox is essentially a bank robbery - albeit one bigger than any in recorded history (the next-biggest recorded theft is ... Poltergeist (2015) - Yarn is the best way to find video clips by quote. Find the exact moment in a TV show, movie, or music video you want to share. Easily move forward or backward to get to the perfect spot. Forex and Market News. Likes ; Followers ; Subscribers ; Followers ; Likes ; Followers ; Subscribers ; Followers ; Subscribers POOLER, Ga. -- A man authorities said robbed banks in Bryant and Morrilton was arrested in Georgia on Friday, according to the FBI.

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Police Chase In Little Rock, Arkansas, October 6, 1997

Bitcoin was invented in 2008 by an unknown person or group of people using the name Satoshi Nakamoto[15] and started in 2009[16] when its source code was released as open-source software.[7]:ch. 1 ... Serial Bank Robber Takes Police on Wild Chase Through Houston - Duration: 16 ... Crime Watch Daily: A Day in the Life of a Little Rock, AR Police Officer - Cop Land - Duration: 7:04. True Crime ... Anthony Curcio, a real ex-bank robber attempts "The Jewel Store Job" in Grand Theft Auto V. #ProfessionalsPlay #GTAV #BankRobber Grand Theft Auto V / Rocksta... Bank robbery in Little Rock's Hillcrest neighborhood ... Little Rock Grocery Store Robbed - Duration: 3:55. FOX 16 KLRT 567 views. 3:55. Tucker: Sanders warned Warren a woman couldn't win ... Little Rock in 1994 was out of control. Here's a look backwards...