Order currency online - FOREX

Megacoin (MEC)

A subreddit for the MegaCoin (MEC) cryptocurrency.
[link]

Ethereum Classic

Ethereum Classic is an open, decentralized, and permissionless public blockchain, that aims to fulfill the original promise of Ethereum, as a platform where smart contracts are free from third-party interference. ETC prioritizes trust-minimization, network security, and integrity. All network upgrades are non-contentious with the aim to fix critical issues or to add value with newly proposed features; never to create new tokens, or to bail out flawed smart contracts and their interest groups.
[link]

P2P Bitcoin Derivative Trading Through the Blockchain: Equities, Bonds, Forex & Commodities

Research & ideas to use [Veritaseum's UltraCoin](http://ultra-coin.com/) **user programmable Bitcoin swaps** to trade exposures to cryptos, forex, equities, bonds & commodities through 45,000+ global tickers & up to 10,000x price leverage - peer-to-peer. Veritaseum's UltraCoin is a software concern that holds no client funds and is not a financial entity, hence presents you with no counterparty or default risk. [Download the client & tutorials](http://ultra-coin.com/index.php/download-beta)
[link]

IS ____ AN MLM? SEARCH HERE. (MEGA THREAD)

For a quick, easier search - http://www.isthisanmlm.com/ has compiled this whole thread. Special thanks to u/SHIFTnSPACE. - This is now a part of the sidebar as a button widget!

What is an MLM?

Multi-level marketing (MLM), also called pyramid selling, network marketing, and referral marketing, is a marketing strategy for the sale of products or services where the revenue of the MLM company is derived from a non-salaried workforce selling the company's products/services, while the earnings of the participants are derived from a pyramid-shaped or binary compensation commission system. ​
THIS LIST MAY CONTAIN COMPANIES THAT HAVE PREVIOUSLY HAD MLM BRANCH BUT MAY NO LONGER HAVE ONE.
If you see a company and are not sure that it belongs on this list, please reach out. I have compiled this list from the sources listed at the bottom along with input from community members. This list may not be 100% accurate but the goal is to get it as close as possible.
31 - Bags
5Linx - Home & Business Services
Abby & Anna - Clothing
ACAN Pacific - Utilities
ACN - Utilities
ActiLabs - Skincare/Health
Adornable.U - Accessories
Advocare - Dietary Supplements
AeroGrow - Garden Tools
Agnes & Dora - Clothing
AIM Global - Nutritional Supplements
Akasuka (Japan) -
Alcone - Beauty
Alice's Table - Flower Arrangement Classes
All'asta - Home Goods
Allysian Sciences -
Aloe Vera of America (Young Living) - Nutritional Supplements
Aloette - Beauty
Alphay Int - Nutritional Supplements
AlureVe - Skincare/Health
Amare Global - Nutritional Supplements
Ambit - Utilities
Amelia James -
Ameo - Essential Oils
American Income Life - Financial
Amsoil - Motor Oil
Amway - Health/Beauty/Home Goods
Ann Summers - Product
Ann Summers (UK) - Adult Novelties
Anorak (UK) - Home Goods
Anran (China) -
Apollo (India) - Juice
Apriori - Skincare/Health
AquaSource UK - Nutritional Supplements
Arbonne - Skincare/Health
ARIIX - Water Purification
Arsoa Honsha (Japan) - Fitness/Weight Loss
Asea Global - Nutritional Supplements
Asirvia (shut down) - Marketing
Aspire/Digital Altitude - Marketing
ATC Coin - Crypto Currency
Athena's - Adult Novelties
Atomy - Skincare/Health
Ava Anderson -
Ava Rose - Clot
Avisae - Weight Loss
Avon - Beauty
b:hip Global - Health
Bachar Nutrition - Nutritional Supplements
Bamboo Pink - Jewelry
Barefoot Books - Books
Bath.Ologie - Bath Bombs
Beach Body - Fitness/Weight Loss Videos
BearCereju (Japan) - Cosmetics
BeautiControl -
Beauty Counter - Cosmetics
Beauty Society - Beauty
beCAUSE Cosmetics - Cosmetics
Become International (US & AUS) - Cosmetics
Bedroom Kandi - Adult Novelties
Beever (UK) - Hair Care
BelCorp (Latin America) - Cosmetics
Bellame - Skincare/Health
Bemer - Appliances
Better Way Design/Imports - Clothing
Biogreen Argentina -
BioPerformance - Automotive (Fuel Pills)
Bod-e Pro - Nutritional Supplements
Body by Vi/Visalus - Health
Body Shop at Home - Beauty
Boisset Collection - Wine
Boston Finney (shut down) -
Bounce Life/Network - Insurance
Bud Star (Canada) - CBD/THC Products
BurnLounge (shut down as pyramid scheme by FTC in 2012) -
Buskins - Clothing
Butterfly Beauty - Cosmetics
Cabi - Clothing
Cambridge Weight Plan/Diet - Dietary Supplements
CAN - Utilities
Captain Tortue - Clothing
Carico Int - Home Goods
Celebrating Home - Home Goods
Cellements - Skincare/Health
CEO Movement (Not MLM but scammy) -
Chalk Couture - Chalkboard Signs
Chalky & Co - Home Goods
Chandeal (Japan) - Clothing
Charle (Japan) - Clothing
Charlie's Project - Clothing
Chef's Toolbox (AUS) (Insolvency) - Kitchen Accessories
Cherish Natural Products -
Chloe & Isabel - Jewelry
Clever Container - Home Goods
Close to My Heart - Scrapbooking
Cloud 9 Parties - Adult Novelties
Cobra Group/Appco -
Cocoa Exchange - Food
Color by Amber - Jewelry
Color Happy -
Color Street - Nail Wraps
Colour Me Beautiful (UK) - Clothing
Compelling Creations - Jewelry
Conklin - Roofing
Cookie Lee (shut down) -
Cosway (Malaysia) - Health/Beauty/Home Goods
Country Scents - Product/Candles
Create Your Life - Health
Creative Memories - Scrapbooking
Credit Repair USA - Financial
Crunchi - Cosmetics
Cutco - Knives
CVSL - Multiple Companies
Daisy Blue Naturals - Personal Care
Damsel in Defense - Product/Self Defense
Darceys - Candles
David Lerner Associates, INC - Financial
Dazzle and Daze - Clothing
Deutsche vermögensberatung/Dvag (Germany) - Financial
Diana (Japan) -
Dione Cosmetics - Cosmetics
Direct Cellars/DC Nation - Wine
Discovery Toys - Educational Toys
Divvee/Nui -
Dot Dot Smile - Clothing
DoTERRA - Health/Oils
Du Northing Designs - Clothing
Dubli Network - Financial
Dudley Beauty - Cosmetics
DXN - Health/Beauty/Home Goods
Dynamic Essentials -
EcoWarehouse - Home Goods
Elepreneuer -
Elk River Soaps - Personal Care
Ella Tina - Clothing
Elli Kai - Clothing
Elvacity - Nutritional Supplements
EmGoldEx/Global Intergold -
Enagic/Kangen Water - Ionized Water
Endless Xpressions - Clothing/Accessories
Enersource Int - Nutritional Supplements
Enjo (AUS) - Cleaning Producs
Envy Jewelry - Jewelry
Epicure (Canada) - Food
Equinox International (dissolved in 2001) -
Ergo (Germany) - Insurance
Essante Organics -
Essential Bodywear - Clothing
European Grouping of Marketing Professionals/CEDIPAC SA (dissolved 1995) -
European Home Retail (dissolved 2007) -
Evanescence Network - Health
EVER Skincare - Skincare/Health
Evolution Travel - Product
EvolvHealth - Health
Faberlic (Russia) - Health/Beauty/Home Goods
Family First Life - Insurance
Family Heritage Insurance - Insurance
Fantasia - Adult Novelties
Fantasia (Canada) - Adult Novelties
Farmasi -
FES Connect - Financial
Fibi & Clo - Footwear
Fifth Ave Collection - Jewelry
First Fitness Nutrition - Dietary Supplements
Fit4Mom - Clothing
FITTEAM Global - Dietary Supplements
Flamingo Paperie - Art
Fleuresse -
FM World (UK) -
For Tails Only - Pet Supplies
Forever Living - Health/Oils
Forex Education (iMarkets Live branch) - Crypto
Forex Entourage - Financial
Fortune Hi-Tech Marketing (dissolved 2013) -
Four Oceans - Health
Fragant Jewels - Bathbombs
FreeLife - Nutritional Supplements
Frontrow -
Fuel Freedom Int - Automotive
Fund America (Bankrupt 1990) -
Gano Excel - Nutritional Supplements
GelMoment - Beauty
Gemstra - Jewelry
Genesis Pure - Nutritional Supplements
Global Legacy Initiative -
GoDesana - Pet
Gold Canyon - Product/Candles
Golden Days (China) - Health
Grace & Heart - Jewelry
Green HoriZen - CBD
Greeting Cake Company - Cake Kits
H2O At Home - Personal Care
Hale - CBD Oil
Hanky Panky Parties (Canada) - Adult Novelties
Happy Coffee - Coffee
Harvard Risk Management (Legal Shield) -
Hayward's Gourmet Popcorn - Food
HB Naturals - Health
He(L)o - Health
Healthy Peach - Dietary Supplements
Heavenly Chia - Food
Heka Corp - Fitness
Helo Wristbands - Health
HempWorx - Health
Herbalife - Health
Heritage Makers - Scrapbooking
Hinode - Cosmetics
Holiday Magic (shut down) -
Home Interiors - Home Goods
Honey - Beauty
Honey & Lace - Clothing
Hualin Biotech (China) - Health
iCoinPro - Crypto Currency
ID Life - Health
Igniting Passion (Canada) - Adult Novelties
iMarketsLive - Financial Trading Software
Immunotec - Health
Imperial Candles (UK) - Candles
In a Pikle - Bags
Income Advantage -
India Hicks - Product/Accessories
Infinitus - Health
Initials, Inc - Bags
Inkd Up Nails - Beauty
innov8tive nutrition - Nutritional Supplements
InteleTravel - Travel
Intimo (AUS/NZ) - Adult Novelties
Isagenix - Dietary Supplements
ItWorks! - Health
J. Elizabeth - Clothing
J. Hilburn - Clothing
J.R Watkins -
Jafra - Beauty
Jamberry - Beauty
Jamby - Clothing
Jamie at Home (shut down) -
Janice Collection - Home Goods
Java Momma - Coffee
Javita - Coffee
Jbloom - Jewelry
Jequiti - Cosmetics
Jerky Direct -
Jeunesse - Beauty
Jewel Kade (31) - Jewelry
Jewelscent - Product/Candles
JK Apparel (Canada) - Clothing
Jordan Essentials - Beauty
JoyMain (China) - Health
Joyome (Plexus) - Beauty
JuicePlus - Nutritional Supplements
Jump Natural - Health
Kaesar & Blair -
Kalaia - Skincare/Health
Kalo & Co - Pearl/Jewelry
Kangen Water -
Kannaway - CBD Oil
Karat Bars - Gold
Kaszazz - Scrapbooking
Keep Collective - Jewelry
Keep Me Safe - Cos
KETO (Pruvit) -
Keto Coffee - Coffee
Ketones - Health
Kirby - Vacuums
Kleeneze - Home Goods
Kobold (Vorwerk) -
Kyani - Health
Labella Baskets - Home Goods
Lady Godiva Beauty - Cosmetics
Lavylites - Beauty
L'BRI - Beauty
LeadUp Consulting -
Legal Shield - Legal Services
LegArt (Canada) - Leggings
Legend Age (China) -
Legging Army - Clothing
Legging Girl - Clothing
Lemongrass Spa - Beauty
LeReve (Canada) - Cosmetics
Le-Vel (Thrive) - Health
Lia Sophia (dissolved) - Jewelry
Life Abundance - Pet
LIFE Leadership - Financial
Life Tree World - Food
LifeBrook -
LifePlus (US/Germany) - Dietary Supplements
Life's Abundance - Pet Supplies
LifeVantage - Dietary Supplements
Lilla Rose - Jewelry
Limelife - Skincare/Health
Limu - Health
Limu - Nutritional Supplements
Linen World - Home Goods
Lion Crown -
Lipsense - Beauty
Liv International - Travel
Live Sore - Clothing
Longabeger Company - Baskets
Longrich (China) - Beauty
Lorraine Lee Linen - Home Goods
Love Winx - Adult Novelties
LR Beauty & Health - Beauty
LuLaRoe - Clothing
Lulu Ave - Jewelry
Luminess - Cosmetics
Lyconet/Lyoness -
Lyoness - Financial
M. Global (Jamberry) - Jewelry
M. Network - Nutritional Supplements
Maelle Beauty - Beauty
Magnabilities - Jewelry
Magnolia & Vine - Jewelry
Makeup Eraser - Cosmetics
Man Cave - Kitchen Accessories
Mannatech - Dietary Supplements
Mark. - Financial
Market America - Health/Beauty/Home Goods
Marly Ray - Pearl/Jewelry
Marvelous Mouse Travels - Travel
Mary & Martha - Home Goods
MaryKay - Beauty
Maskara - Beauty
Matilda Jane - Clothing
Max & Madeleine - Skincare/Health
Maxwell Clothing - Clothing
MCA - Financial
Medifast - Nutritional Supplements
Melaleuca - Health/Beauty/Home Goods
Metabolife (dissolved in 2005) -
MiA Bath and Body (Closed) -
mialisia - Jewelry
Miche EU - Accessories
Miki (Asia) - Nutritional Supplements
MOA Nutrition - Nutritional Supplements
Modere -
MojiLife - Essential Oils
Monat - Hair Care
MonaVie (went into foreclosure 2015) -
Morinda Bioactives - Personal Care/Dietary Supplements
Motives Cosmetics - Cosmetics
Multpure - Water
My Club 8 - CBD Oil
My Daily Choice - Nutritional Supplements
My LALA Leggings - Clothing
myEcon - Financial
National Safety Associates - Dietary Supplements
National Wealth Center - Education
Natura (Brazil) - Cosmetics
Nature Direct (AUS) - Essential Oils
Nature's Sunshine Products - Dietary Supplements
Neal's Yard Remedies Organic - Beauty
NeoLife - Dietary Supplements
Neora (Nerium) -
Nerium - Skincare/Health
NeVetica - Pet Supplies
New Era (China) - Nutritional Supplements
New U Life - Health
Neways - Personal Care
Nikken -
Noevir - Beauty
Nomades - Jewelry
Noonday Collection - Jewelry
Norwex - Cleaning Producs
Nouveau Riche (real estate investment college) (dissolved 2010 -
Nspire Network - Feminine Products
NuCerity - Skincare/Health
NuSkin - Tooth Paste/Personal Care
Nutriboom -
NXIVM - Financial
Nygard - Clothing
Omnilife - Dietary Supplements
One Hope Wine - Wine
Optavia - Health
Opulenza - Jewelry
Organo Gold - Coffee
Oriflame - Personal Care
Origami Owl - Jewelry
Our Hearts Desire - Jewelry
Paid 2 Save - Travel
Pampered Chef - Kitchen Accessories
Paparazzi - Jewelry
Paperly - Paper
Park Lane Jewelry - Jewelry
Party Girl - Candles
Party Lite - Candles
Party Time Mixes - Food
PartyLite - Candles
Passion Parties - Adult Novelties
Pawtree - Pet
Paycation - Travel
Peach - Clothing
Pearl Chic - Pearl/Jewelry
Peekaboo Beans - Clothing
Perfect (China) - Cosmetics
Perfectly Polished - Beauty
Perfectly Posh - Beauty
Personally Poetic - Jewelry
PHP - Insurance
Pierre Lang - Jewelry
Pink Zebra - Candles
Piphany - Clothing
PixieLane - Clothing
Plexus - Health
Plumeria Bath - Beauty
Plunder - Jewelry
PM International - Health
Pola (Japan) - Skincare/Health
Poofy Organics - Beauty
Powur - Solar Panels
Premier Designs - Jewelry
Premier Financial - Financial
PrimeMyBody - Health
Primerica - Financial
Princess House - Kitchen Accessories
ProDoula -
ProYoung - Health
Pruvit - Health
Pulse Cosmetics - Cosmetics
Pure Haven - Cosmetics
Pure Romance - Product
PureHaven - Home Goods
PUREly - Essential Oils
Purium - Health
Qnet - Nutritional Supplements
Quanjian Natural (China) - Food
RadiantlyYou -
Rain International - Health
Rainbow Vacuum - Vacuums
Real Time Pain Relief - Health
Red Aspen - Beauty
RED Safety - Security
Regal Home and Gifts - Home Goods
Reliv - Health
Reliv - Nutritional Supplements
Renatus Real Estate - Education
RevitalU - Coffee/Health
Riway - Deer Placenta
Robert Kiyosaki -
Rodan+Fields - Beauty
Roland (Vorwerk) -
Rolmex (China) - Kitchen Accessories
Royal Tongan Limu (dissolved in 2003) -
Royaltie Gens - Marketing
Ruby Ribbon - Clothing
Saba - Health/Beauty
Sabika Jewelry - Jewelry
SafeGirl Security - Self Defense
Salad Master - Home Goods
SARSO (India) -
Scentsy - Health/Oils
Schneider's Gourmet World - Food
Scout & Cellar - Wine
Seacret - Beauty
SendOutCards - Gift Cards
Senegence - Skincare/Health
Shakeology (BeachBody) - Dietary Supplements
Shaklee - Dietary Supplements
Shopping Sherlock -
Shrimp & Grits - Clothing
Signature Homestyles - Home Goods
Silpada - Jewelry
Silver Icing - Jewelry
Simple Man - Personal Care
Simply Success Elite -
SimplyFun Games - Education
Skinny Body at Home - Dietary Supplements
SkinSanity/Tomorrow's Leaf - Skincare/Health
Smart Circle -
Smartway -
Solavei (dissolved 2015)[ -
Solvei (bankrupt) -
Sophie Paris (France/Asia) - Clothing
South Hill Designs - Jewelry
Southern Living at Home - Home Goods
SouthWestern Advantage - Education
Sseko - Clothing
Stampin Up - Paper
Steam Energy - Utilities
Steeped Tea - Tea
Stella & Dot - Clothing
Stream Energy - Financial
Style Dots - Jewelry
Success University - Education
Sun Hope (China) -
Sunrider - Health/Beauty/Home Goods
Sunset Gourmet - Food
Sunshine Empire (dissolved 2009) -
Surge 365 - Travel
Sweet Legs - Clothing
Sweet Minerals - Beauty
Symmetry Financial Group - Insurance
Syntek Global - Automotive
T.O.P Marketing Group -
TAG Team Marketing -
Taisei/Green Planet/Kaikisui (Japan_ - Purifiers
Tara at Home - Home Goods
Tastefully Simple - Food
Tavala - Health
Tealightful - Tea
Team National - Financial
TeDivina - Tea
Telecom Plus (UK) - Utilities
Telexfree (bankrupt 2014) -
The Advert Platfrom - Crypto Currency
The Body Shop at Home - Beauty
The Landmark Forum - Health
The Super Affiliate Network - Marketing
Thermomix (Vorwerk) -
Thirty One - Bags
Thrive - Health
Thrive Life - Food
Tiber River Naturals - Beauty
TKO WorldWide -
Tocara (Canada) - Jewelry
Tom James - Clothing
Total Life Changes/TLC - Health
TouchStone Crystal - Jewelry
Touchstone Essentials - Dietary Supplements
Tracy Negoshian - Clothing
Trades of Hope - Jewelry
Tranont - Financial
Transformational Beauty - Cosmetics
Travel Evolution - Travel
Traveling Vineyard - Wine
TraVerus Global - Travel
TriVita - Nutritional Supplements
Tropic Skin Care - Skincare/Health
True Peak Revolution (Europe) -
Truvision Health - Health
TS-Life - Nutritional Supplements
Tupperware - Tupperware
Unicity - Health
United Sciences of America (dissolved in 1987) -
United Warehouse (UK) -
US Health Advisors -
Usana - Nutritional Supplements
Usborne - Books
Utility Warehouse (UK) - Utilities
Valentus - Dietary Supplements
Vantel - Product/Pearls
Vasayo - Health
VectoCutco - Knives
Vemma - Dietary Supplements
viaOneHope - Wine
ViBella - Jewelry
VIC Cosmetics -
Vida Divina - Tea
Vie at Home (closed) -
Virtuity Financial Group (World Financial Group) -
ViSalus (Body by VI) - Dietary Supplements
Vitality Extracts - Essential Oils
VivaMK - Cleaning Producs
Volo - Health
Vorwerk - Home Goods
Votre Belle Maison (UK) - Giftware
Voxxlife - Health
Wakaya Perfection - Health
WakeUpNow (dissolved 2015) -
Watkins Inc - Health/Home Goods
Wealthperx - Travel
Wikaniko - Home Goods
Wildtree - Food
Willing Beauty - Beauty
Winasun - Health
Wine Shop at Home - Wine
Wines for Humanity - Wine
Wink Naturals - Health
World Financial Group/Pinnacle Leadership Development - Financial
World Leadership Group (dissolved in 2008) -
World Ventures/Wealth Wave/TKO WorldWide - Travel
WoTaBu - Travel
XanGo/Ziji - Health
Xerveo - Dietary Supplements
Xoom Energy - Utilities
Xooma - Weight Loss
Xstream Travel - Travel
Xyngular - Health
Yanbal Int - Jewelry
Yandi (China) - Nutritional Supplements
Yelloow - Beauty
Yevo (closed) -
Yofoto (China) - Health
Yoli - Health
Yoonla -
YOR Health - Weight Loss
Young Living - Health
Youngevity -
Younique - Beauty
YTB International - Travel
Zepter -
Zija - Health
Zilis - Health
Zinzino (Scandanavia) -
Zrii - Skincare/Health
Zurvita - Health
Zyia - Clothing
Zyn - Travel
TOTAL COUNT = 594 ​ This list will be continually updated (5/19/2020).
2018 Archived MLM Mega Thread

Sources: https://mlmtruth.org/2018/02/08/the-mlm-master-list/ , https://en.wikipedia.org/wiki/List_of_multi-level_marketing_companies Special thanks to u/Copacetic1515 (I could not stick your thread)

For income disclosure information: Updated 2019 Thread

Other Helpful Links: Discussion about World Financial Group
submitted by antiMLMmod to antiMLM [link] [comments]

Welcome to NEST Protocol!

Website:http://nestprotocol.org/
WebDapp:https://nestdapp.io/
Telegram: https://t.me/nest_chat
Twitter:https://twitter.com/fan_nest
Chinese Forum:https://www.nestfans.com/

Exchange:Uniswap, Huobi, Gate, BitMax, HBTC, Biki, BitForex, Bilaxy, MXC, CoinEx, Bibox, ProBit, Coinone, CoinTiger, Hotbit etc.

About NEST Protocol
NEST Protocol is the first permissionless network build for onchain oracle service,
also a community of token holders, data providers, and validators.
As a oracle, NEST Protocol privide a creative solution to verficate onchain data, e.g. quotes of digital assets. In NEST network, all data are directly generated on-chain: users(so called, Quote Miners) upload their own asset price quotes with certain amount of collateral , and the quotes will input to NEST’s price chain after a fixed verification period.

During the verification period, the users’ collateral are open for all forms of arbitrage, only the quotes with no collateral have been traded will be accepted)
While the NEST‘s open network remaining permissionless and decentralized, the quotes and other onchain data’s reliability and authenticity are secured by the game theroy between Quote miners, Verifiers and Price Callers.

The quote miners are rewarded with QP tokens (Quote Pool tokens includes
  1. NEST https://www.coingecko.com/en/coins/nest-protocol
  2. nYFI https://www.coingecko.com/en/coins/nyfi etc.

Verifiers earn profits directly based on the calculation of price deviation.

So far, NEST’s quote miners are providing real time quotes for over 50 active trading pairs like ETH/USDT, YFI/ETH etc. Those quotes are accepted by many Open Price Feed format, and then be used by DEX/ reporters like Cofix and Coinbase Pro.
submitted by Nest_Fan to nestprotocol [link] [comments]

Your Pre Market Brief for 07/16/2020

Pre Market Brief for Thursday July 16th 2020

You can subscribe to the daily 4:00 AM Pre Market Brief on The Twitter Link Here . Alerts in the tweets will direct you to the daily 4:00 AM Pre Market Brief in this sub.
Updated as of 4:45 AM EST
-----------------------------------------------
Stock Futures:
Wednesday 07/15/2020 News and Markets Recap:
Thursday July 16th 2020 Economic Calendar (All times are in EST)
(JOBLESS CLAIMS TODAY)
News Heading into Thursday July 16th 2020:
NOTE: I USUALLY (TRY TO) POST MANY OF THE MOST PROMISING, DRAMATIC, OR BAD NEWS OVERNIGHT STORIES THAT ARE LIKELY IMPORTANT TO THE MEMBERS OF THIS SUB AT THE TOP OF THIS LIST. PLEASE DO NOT YOLO THE VARIOUS TICKERS WITHOUT DOING RESEARCH! THE TIME STAMPS ON THESE MAY BE LATER THAN OTHERS ON THE WEB.
Upcoming Earnings:
Commodities:
COVID-19 Stats and News:
Macro Considerations:
Most Recent SEC Filings
Other
-----------------------------------------------
Morning Research and Trading Prep Tool Kit
Other Useful Resources:
The Ultimate Quick Resource For the Amateur Trader.
Subscribe to This Brief and the daily 4:00 AM Pre Market Brief on The Twitter Link Here . Alerts in the tweets will direct you to the daily brief in this sub
submitted by Cicero1982 to pennystocks [link] [comments]

[Secret] Response to the Oil Embargo Part 2: Retaliation, Covert and Chaotic

While overt operations will play a role in the retaliation, some more covert ones are needed. For these more... illegal... operations, we will have to take a different approach.

North Korea: Cyberwar, Inc.
North Korea has a well-established cyberwar capability and has recently begun selling its services to third parties. One of those third parties is about to become us, and we're going to buy out the entire shop, consisting of thousands of highly trained North Korean hackers. Are they the best, no, of course not--they are, after all, still North Korean. They certainly aren't as good as what we have in-house, even though they're surprisingly skilled all things considered. But they're extra talent, and talent with no official connections to China, and that's what counts here.

At whatever exorbitant price that North Korea charges [we've budgeted up to $500 million, and they will get to keep whatever they steal] we're siccing every trained hacker they have on what we view as the mastermind behind these plots, the United Arab Emirates [M: Even though we don't know the contents of the closed diplo, it's not hard to come to that conclusion given that Saudi Arabia is in a civil war, the UAE leads the GCC which is leading the embargo, and it has rejected our peace offerings and stated that we are an existential threat--also, assaulting the UAE is likely to spook the other participants who are in a much more frail situation].

Attacks will aim to be diverse and encompass the entire spectrum, with one exception, which we will do. Chinese experts will provide advice and limited intelligence and cyber-reconnaissance, but will not openly involve themselves in the operations, taking especial care to ensure that they don't touch the code the North Koreans are working on. We will maintain only a very high-level management, leaving precise means, targets, and so on to the North Koreans.

In addition, we'll ask the North Koreans to recruit criminal hacker groups across the globe to join on to this effort, with the North Koreans receiving additional payouts for every other criminal hacking group they bring onboard that has been verified by Chinese intelligence as actually existing [we don't trust the North Koreans that much, especially when money is on the line].

Targets are the following, in order of priority:

UAE Foreign Exchange Reserves and Sovereign Wealth Fund:
By far the most valuable target on the list for North Korea, the UAE's forex reserves are worth about $100 billion, and the sovereign wealth funds of the Emirates are valued at as much as $1 trillion. North Korean hackers will launch an all-out assault aiming to steal as much of this money as possible, destroying it if they must but, we imagine, preferably transferring it to North Korean accounts. Attacks via SWIFT like those conducted by North Korea in 2015-16 are possible--those attacks amounted to hundreds of millions of dollars in losses. We doubt that North Korea will be able to steal that much of this pile, especially given the fact that the UAE has an army of ex-Western cyberwarriors of its own, but even a relatively small quantity would be a significant psychological injury and would degrade global trust in the UAE.

Vital Infrastructure:
North Korea will target key pieces of infrastructure in the UAE. In particular, they will target the following facilities and attempt to force them offline. Even though the individual attacks won't do much damage, the cumulative impact will scare the public, damage investor confidence, and drive money out of the UAE.

Influential Figures And Government Officials:
North Korean hackers will also target the personal devices of government officials and influential figures in the UAE, especially politicians, military commanders, and media types. They will then leak anything remotely incriminating to the global media, possibly via Wikileaks or another such site of ill repute.

In addition, for particularly important government officials, North Korea will be commissioned to produce deepfakes with which it will flood social media. These will mostly focus on baseless conspiracy theories and personal slanders, for instance, catching a top official on mike confessing to being a devil-worshiper, or portraying a popular imam as being with Western prostitutes.


It is hoped that these operations will cause enough domestic trouble in the UAE that they will concede on the point of the oil embargo. If nothing else, though, they should keep the UAE distracted while we move elsewhere.
submitted by AmericanNewt8 to Geosim [link] [comments]

[IC] Mill Max 0305 small GB in Toronto, ON, Canada

Edit: MOQ Met.

Edit 2: We are at 2040 now. Looking for one or two other people to hit the 2500 MOQ pricing point.

Placing the order soon.
I need some Mill Max 0305 for some upcoming boards. For Canadians it's cheaper or the same to order directly from Mouser than to join any Mill Max GBs. I need about 300, but the savings really kick in if you can hit the 1000 unit MOQ price and the free duty covered shipping that comes with it.
Canada Post is expensive and Toronto has a pretty big number of MK enthusiasts. If we do a local only group buy we can meet up (socially distanced) somewhere in the city and get everybody their sockets.
For 12,700 units or under, Mouser ships via USPS Global Priority Mail for just $8 USD. Since it's USPS and we're ordering a very small quantity, we shouldn't really expect any additional costs. Worst case scenario it'll be 13% extra for HST but that's highly unlikely. I've got a 0 ForEx fee credit card so we should get about the same exchange rate as what it shows on Google.
For 1000 units and over Mouser will ship to Canada for free, duty included in the price. Works out to be around $0.128 CAD per socket. It's slightly higher than what it'd be if we paid in USD, but it's worth it for the peace of mind. I've updated the table below.
Here's a price comparison table. Archetype GB includes shipping to Canada ($12.75), PP fees and an estimate of other overhead costs (1c per socket).
Quantity Mouser Direct (USD) Archetype GB (USD) This local GB (USD) This local GB (CAD)
140 (One 65%) $22.56 $25.63 $13.65 $17.92
280 (Two 65%) $37.12 $38.17 $27.30 $35.84
To keep things simple this will be for 0305 sockets ONLY. It seems like to date there hasn't been a board that has had problems with these.
I'd like to keep the quantity between 1000 - 1200 for this GB. Just 2-5 people max. Like I mentioned before it's locals only.
If you want 500 then I will get the other 500 and call it a day to make things even simpler. You can come pick up from me on the east end, or we can set a date and time somewhere more convenient in the city.
I'll be counting these by weight. I have a very accurate LB501 digital scale. You should still order 5 - 10% more than you need just to account for count / damage during installation.
You can pay me via Paypal and cover the fees, or you can pay me half up front in Interac EMT and pay the other half when you pick up.
I have lots of feedback here and at /ecigclassifieds. I've ran a similar local GB before for DIY flavors so I'm familiar with the process.
If there's enough interest I'll draw up the details and will post / contact you with more info.
submitted by SirTimmyTimbit to mechmarket [link] [comments]

List of Today's and Tomorrow's Upcoming Events

I will be bringing you upcoming events/announcements every day. If you want improvements to this post, please mention houseme in the comments. We will make improvements based on your feedback.
 
https://kryptocal.com | /kryptocal | Android | iOS | Telegram Interactive Bot (add cryptocalapp_bot) | Telegram Channel @kryptocal
 

ADD AN EVENT

If you like an event to be added, click Submit Event, and we will do the rest.
 

NEXT DAY UPCOMING EVENTS

 
General
Luna Coin(LUNA) Tequila-0004 Testnet September 4, 2020
Bloomzed Token(BZT) BZT/BLCT Swap Deadline September 4, 2020
Waves(WAVES) Asian Exchange Staking September 5, 2020
BestChain(BEST) Announcement September 5, 2020
Swipe(SXP) Swipe Governance Testnet September 5, 2020
KnoxFS(KFX) KFX on Masternodes Online September 5, 2020
 
Exchanges
Standard Tokenization Protocol(STPT) Huobi Listing September 4, 2020
dKargo(DKA) Bithumb Global Listing September 4, 2020
Nervos Network(CKB) KuCoin Listing September 4, 2020
Paparazzi(PAZZI) Bithumb Listing September 4, 2020
DIA(DIA) Binance Listing September 4, 2020
Homeros(HMR) BitForex Listing September 4, 2020
Ulgen Hash Power(UHP) ProBit Listing September 4, 2020
sLINK(sLINK) LBank Listing September 4, 2020
Dextrust(DETS) Bibox Listing September 4, 2020
Ignis(IGNIS) Atomars Listing September 5, 2020
1Million Token(1MT) Resfinex Listing September 5, 2020
Earneo(RNO) ExMarkets Listing September 5, 2020
 
ICO/Pre-Sales
Jupiter(JUP) AMA September 4, 2020
 
Meetups
ZCoin(XZC) Community Meeting September 5, 2020
 
 
submitted by cryptocalbot to CryptoMarkets [link] [comments]

Inflation, Gauge Symmetry, and the big Guh.

Inflation, Gauge Symmetry, and the big Guh.
Sup retards, back at it with the DD/macro.
scroll to the rain man stuff after the crayons if you don't care about the why or how.
TLDR:
June 19 $250 SPY puts
May 20 $4 USO puts
SPY under 150 by January next year.

So I was going about my business, trying to not $ROPE myself as my sweet tendies I made during the waterfall of March have evaporated, however, I heard that the fed was adding another $2.3T in monopoly money to the bankers pile specifically to help facilitate these loan programs being rolled out.
In short, they are backing these dumb-ass, zero recourse, federally mandated, loans with printing press money.
But cumguzzler OP, your title is about inflation and guage simp--try, why are you talking about the fed #ban.
Well, when you print money it is an inflationary action in theory. Let me explain.

EDUMACATION TIME

What is inflation? Inflation is the sustained increase in the price level in goods and services. Inflation is derived from a general price index, and in the US, from the consumer price index. Knowing that inflation is an outcome, not a set policy is very important. Inflation is a measurement after the fact, much like your technical astrology indicators. (**ps, use order flow in your TA you wizards**)
HOWEVER, the actual act of buying bundles of these loans does not directly impact inflation.
Now what is Gauge symmetry? Gauge symmetry is a function of math and theoretical physics that can be applied to finance models. What a gauge is, is a measurement. Gauge symmetry is when the underlying variable of something changes, however, we do not observe that variable change.
A great example of this is if you and a friend are moving, and your friend is holding a box of tendies. The box is a cube, equal on all sides. If you turn away for a moment and she rotates the cube 90 degrees while you are not looking, and you look back - you would have no idea the cube was rotated. There was a very real change in the position of the cube in relation to space-time. Your friend acted on it. But you didn't measure it, in fact it would be impossible for you to determine if the box was changed at all if you weren't observing it. That movement of the box where you didn't observe it, is called gauge transformation and happens literally more then JPow fucks my mom in quantum physics. The object observably exactly the same even though it is not physically the same. The act of it existing as an observably the same box is gauge symmetry - it is by observation symmetrical.
Why this is important, is that fiat money doesn't have any absolute meaning. The value of $1 is arbitrary. furthermore, Inflation is a Guage symmetry. Inflation has no real impact on the real value of the underlying goods and services, but rather serves as a metric to measure the shift of value across a timeline.
When JPow starts pluggin' your mom along with all these balance sheets, there is a gauge symmetry event happening. The money he is printing is entering the system (gauge transformation), this isn't an issue if all pricing against the USD get shifted equally, however, the market is not accounting for this money because we don't have real-time data on what is being applied where, we only get a slow drip in terms of weekly and monthly reports. WE HAVE OUR EYES CLOSED. This is a gauge symmetry event.
When this happens in real terms, the market becomes dislocated from its real value price. Well how do we know there is a dislocation?
"YoU JuSt SaId tHe UnDeRlYiNg VaLuE iZ AbStRaCkKt HuRr QE aNd MaRkEtS Iz ComPlEx ReAd A TeXtBuK AbOuT FrAcTiOnAl ReSErVe BanKiNg YoU NeRd." - **anyone rationalizing the bull run**
We can look at Forex you fish.
USD lives in a bubble. The Yen is in a bubble, the RMB is in a bubble, and we exchange with each other. the Jap central bank has little effect on the CPI index (cost of goods and services) of the US. If the Yen prints a gazillion dollars, the USD is not effected EXCEPT in its exchange rate. YEN:USD would see a sizeable differential the more Yen is printed and vise-versa.
So NOW instead of JPow getting away with plowing your girlfriend, we can catch the bitch.
Instead of looking at the gauge transformation at face value and then giving up because it is symmetrical output, we can look and see if this gauge symmetry carries over to the foreign exchange market. Well guess what happens when you look at the value of the USD against foreign currencies.
Consistent uncertainty during the fed operations. Meaning the market of banks that partake in FX swaps don't know where to spot the USD. Generally a very very bad thing.
Value of the USD to Euro 2017-2020, notice the slow decline, then the chaos at the end
Above is the value of the USD to Euro, notice the sloping decline. The dollar has been growing weaker since 2017. At the end you see our present issues, lets #ENHANCE
USD to Euro, January 2020 to Present
When you see those spikes, those are days in between Fed action. The value of the US goes up when the fed doesn't print because people aren't spending. Non-spending is a deflationary event and has a direct impact on the CPI. However, each drop when you line up the dates, was a date of Fed spending.
Lets look outside of the Eurozone.

This is the RMB to USD. Yes China manipulates, but look at the end of the graph
China manipulated rates early in 2018 however you can see the steady incline upward towards the of 2018. More specifically, lets look at it since December.
RMB value against USD, January to Now
You Can see the Chinese RMB has been gaining steam since December, even with Chinese production falling off a cliff all through this pandemic.

What this rain man level autism means for the economy.

Looking across the board at Forex we can see the USD having a schizo panic attack jumping up and down like me at a mathematics lecture.
But what does all this gauge BDSM and shit have to do with the markets? Well it shows 1 of 3 things are occuring.
  1. The fed is printing money to offset deflationary pressures of the economy being fuk for the past month, and therefore all this printing is offset by the loss of liquidity throughout the system and we are all retared. (SECRET: THIS IS WHAT ALL THE INSTITUTIONS THINK IS HAPPENING AND WE WILL ALL BE FINE.)
  2. The deflationary event is overplayed, and JPow just is nailing his coffin together. This would result in long term hyperinflation similiar to the Weimar republic. The only hedge against this is to load up on strong currency that do not manipulate and have enough distance from US markets that they can have some safety (ironically the Ruble is the safest currency. Low link to the USD and not influenced by China, and on discount rn)
  3. The gauge transformation is actually not as severe as they are blurting out, the fed does not pass go, does not actually print 10 Trillion dollars, and this was all a marketing ploy to not get Trump involved and prop markets. In this case, the real deflationary event is real, the USD red rockets harder then my cock and we end up market-wise at a very high asset price in relation to real value. This one is most dangerous because it increases the real value of debt and has mass dislocation between real value and market cap. You took debt at a fixed interest rate and a fixed principal, this would cause the biggest GUH in history when all of a sudden you are $100 million in debt and your revenue was $50 million a year ago, but now is only $25 million. That $100 million in debt is still $100 million and now you have a credit crisis because past values of money were inflated. This spirals into a large scale solvency crisis of any company utilizing current growth methodology (levering up to your tits in debt)
In only 1 of these 3 scenarios do we see any sort of "good" outcome? That would be the offset of deflationary pressures.
It is very important to understand that inflation is only a measurement, and itself does not denote value of real goods and services.

Option 1 of a print fiesta that works (something similar to 1981-82) seems possible. A similar environment and reaction occured in the early 80s when the government brute-forced a bull run using these same offset theorems but in that situation, Volker at the fed had interest rates at 21.5% and had 20% to come down to stimulate the inflationary reaction.
Long term this would just lever up more debt and expanded the real wealth gap over time because we kicked the can down the road another 15 years. If that happens again socioeconomically I don't see capitalism surviving (yeah Im on my high horse get over it). This is the option that many fiscal policymakers and talking heads abide by and the reason why the markets are green. However, it is really just kicking it down the road and expanding real wealth inequality. You think Bernie Sanders is bad, wait until homes cost $3million dollars in Kentucky and AOC Jr comes around.

If we get option 2, we see hyperinflation and we turn into Zimbabwe, which is great, I've always wanted to see Africa. Long term we could push interest rate back to 1980 Volker levels and slowly revalue the US against real value commodities already pegged to the USD like oil. This would be a short term shock but because of international reliance on the USD system, we could slowly de-lever this inflation over 2-3 years and be back to normal capacity although the markets would blow their O-ring. Recession yes, but no long term depression.

If we get option 3, the worst long term option in my opinion, basically any company with any revolver line drawn down when that hits is going to go under, private equity won't touch it with a 20ft stick because cashflows couldn't possibly handle the debt on the end of the lever, and we see mass long term unemployment. The only way out of the spiral of option three is inflationary pressure from the fed+government, but because we are already so far down the rabbit hole at the current moment there's no fucking way we could print another 10 trillion. USD treasuries couldn't handle the guh and we would essentially be functionally forced into a long term (7-10 year) depression because nothing anyone could do would delever the value of the dollar. This would result in the long term collapse of the United States as a world power and would render us like Russia in 1991.

Thank you for coming to my ted talk.
submitted by TaxationIsTh3ft to wallstreetbets [link] [comments]

List of Today's and Tomorrow's Upcoming Events

I will be bringing you upcoming events/announcements every day. If you want improvements to this post, please mention houseme in the comments. We will make improvements based on your feedback.
 
https://kryptocal.com | /kryptocal | Android | iOS | Telegram Interactive Bot (add cryptocalapp_bot) | Telegram Channel @kryptocal
 

ADD AN EVENT

If you like an event to be added, click Submit Event, and we will do the rest.
 

NEXT DAY UPCOMING EVENTS

 
General
Luna Coin(LUNA) Tequila-0004 Testnet September 4, 2020
Bloomzed Token(BZT) BZT/BLCT Swap Deadline September 4, 2020
Waves(WAVES) Asian Exchange Staking September 5, 2020
BestChain(BEST) Announcement September 5, 2020
Swipe(SXP) Swipe Governance Testnet September 5, 2020
KnoxFS(KFX) KFX on Masternodes Online September 5, 2020
 
Exchanges
Standard Tokenization Protocol(STPT) Huobi Listing September 4, 2020
dKargo(DKA) Bithumb Global Listing September 4, 2020
Nervos Network(CKB) KuCoin Listing September 4, 2020
Paparazzi(PAZZI) Bithumb Listing September 4, 2020
DIA(DIA) Binance Listing September 4, 2020
Homeros(HMR) BitForex Listing September 4, 2020
Ulgen Hash Power(UHP) ProBit Listing September 4, 2020
sLINK(sLINK) LBank Listing September 4, 2020
Dextrust(DETS) Bibox Listing September 4, 2020
Ignis(IGNIS) Atomars Listing September 5, 2020
1Million Token(1MT) Resfinex Listing September 5, 2020
Earneo(RNO) ExMarkets Listing September 5, 2020
 
ICO/Pre-Sales
Jupiter(JUP) AMA September 4, 2020
 
Meetups
ZCoin(XZC) Community Meeting September 5, 2020
 
 
submitted by cryptocalbot to kryptocal [link] [comments]

Options for retirement saving for 51yo male non tax resident

OK gurus, looking for some opinions.
So I am 51, no valuable assets and divorced. My divorce ruined me and I am on track to break the $0 nett worth in Oct/Nov when I finish paying off my loans (excluding super and tax). I am an Aust non tax resident.
My Super is around $60K and my tax bill $35K which is paid the year after assessment at around $2.5K per month. I pay all expenses for my children who are living in Aus and have just finished paying maintenance to the ex. With current income and costs I will be saving a few thousand dollars every month which used to go to the ex and I need to invest for my retirement.
Option 1 (currently my preference)
Use the 10K + 10K Super to pay off my loans slightly early, then put those payments and extra savings towards a deposit on Uni accommodation as I am paying rent in Aust for my children. Move one child into the house and have their friends rent the other room(s) - child 2 continues to live at Uni for one more year. (Kids grew up in another country so Uni accommodation to help them get resettled back in Aus but price is exorbitant). This replaces current rent payments with morgage payments and gives me an asset.
This is based on expected property market falling around end if this year and the exchange rate also falling - both of which I think are good bets. I think the long term student accommodation will recover or raise slightly over time and the forex should work to my advantage if I borrow in local currency.
Option 2:
There are insurance products that if I stay a non tax resident for 10 more years anything I put into the product is tax free if I return to Australia.
Downside is I must commit to 10 years of a fixed amount per month and absorb any forex risk if I have to leave the country. If I stay in this country earning local $ this risk is abated somewhat but that is often at the will of the Government.
Option 3:
load what I can into an ETF
I think the markets will tank in the short term so would rather hold cash until early next year - I may miss a rally but I really cant see the economy picking up before then.
Option 4:
Selected stocks.
I work for a financial institution so I need to keep any stocks long term and need clearance for any trade. This makes this option difficult but possible if I dont do option 1.
submitted by AndrewTheAverage to fiaustralia [link] [comments]

200 achievements of Modi Govt

  1. Fragile five to Fastest growing economy - India
  2. 11th largest to the 5th largest economy - India
  3. Share of world GDP from 2.43% in 2014 to 3.08% in 2018
  4. Average GDP 7.3% against 6.7% in previous regime
  5. Forex reserves from 300 bn USD in 2014 to 420 bn USD in 2018
  6. Doubling of FDI inflow from 36 bn USD in 2014 to 66 billion USD in 2018
  7. Inflation less than 2.3 % (Nov 18) against 10.1% in 2014
  8. Growth of sensex from 24,121.74 in 2014 to 36,395.03 on 12 Feb 19 (50.88%)
  9. Fiscal deficit under control
  10. Per capita income increased by 45% from Rs 86,647 in 2014 to Rs 1,25,397
  11. IT exemption from 2 lakh in 2014 to 5 lakh (effectively 9.85 lakh with home loan)
  12. Restaurant bills tax reduced from 18% in 2014 to 5%
  13. Transaction charges through card down from 1% to 0%, domestic money transfer fee down from Rs 5 in 2014 to zero
  14. Financial inclusion (32 crore bank accounts with 260 billion worth deposits). Almost 100% coverage from earlier 50%
  15. DBT (savings of 83000 crores @ 15000 crore annually), No of govt schemes DBT applied to increased from 34 in 2014 to 433, 2.7 lakh fake mid-day meal students, 3.3 crore fake LPG connections, 87 lakh fake MNREGA job cards, 3 crore fake ration cards eliminated
  16. Zero IT for businesses with turnover upto 60 lakhs
  17. GST exemplifying cooperative federalism, rates of 83 items down from pre-GST rates, out of 1211 items only 35 items in above 18% slab, 39% reduction of cost of basic household items. Average 1 lk crore monthly revenue through GST collection. Exempted for business upto 40 lk
  18. Insolvency and Bankruptcy Code, constitution of NCLT, 3 lakh crores of NPAs recovered, 66 cases resolved, 260 cases liquidated, resolution of stressed assets, 2100 companies pay back 83000 crore to banks settling their pending loan repayments
  19. 75 billion $ or Yen to Rupee exchange agreement with Japan
  20. 1 lakh shell companies deregistered, FCRA licenses of 4800 NGOs cancelled
  21. Fugitive Economic Offenders Bill, properties of economic fugitives seized and auctioned
  22. 1.9 lakh km of rural roads. Rural road connectivity at 91% from 55%
  23. 36 new airports, from 65 in 7 decades to 106, all states now in air connectivity map
  24. Effective international diplomacy following 59 visits to nations, 38 single, 10 double, 3 triple and 2 quadruple visits by PM.(Seen during Airstrikes,No Country opposed India)
  25. Benami Act for action against Money Laundering
  26. Rural sanitation coverage 95 % up from 39% (8.8 crore toilets)
  27. Solar energy capacity increased 8 fold from 2.63 GW to 22 GW, 19. 8.5 GW of biogas grid installed.
  28. Ganga waterway transportation, usage by shipping giant Maersk, cost of transportation reduced from 10/ton (road) / Rs 6/ton (rail) to Re 1/ton
  29. More than 2.4 crore households lit up, rural electricity coverage to households up from 70 to 95%, only 19836 homes remain (in Chhatisgarh) out of 2,48,09,235
  30. Electricity accessibility rank jump from 99 in 2014 to 26 in 2019
  31. 7 crore new gas connections to 3.5 crore households u/69000 conections per day, coverage 90% from 55%, 82% return for refill, 42% beneficiaries Dalits
  32. 14.4 crore mudra loans worth Rs 7 lakh crore disbursed
  33. 18000 remote villages connected with electricity
  34. 2.92 lakh km of optical fibre laid, 0.02% to 50% gram Panchayat connectivity
  35. Swachh bharat mission has saved, according to WHO, 3 lakh lives and will save 1.5 lakh lives per year.
  36. IT filers increase from 3.79 crore to 6.08 crore, enterprises registered for indirect tax up from 64 lk to 118 lakh
  37. Entry of India in global regimes Missile Technology Control regime (MTCR), WA (Wassenaar Arrangement) and Australia Group
  38. 17 crore soil health cards
  39. 1.5 crore houses built, 91.37 crore in rural areas and 13.5 lakh in urban areas against 25 lakh houses built between 2010-2014. House for all target year is 2022.
  40. 1,78,346 houses built in NE over existing 2875 houses built till 2014
  41. Home loan interest rate down from 10.3 % in 2014 to 8.4% in 2018, annual savings of Rs 47,160 for 30 lakhs over 30 years, no GST on affordable housing, 5% on remaining
  42. Trading agreement in rupee with Iran and UAE
  43. Common service centres up from 84k to 3 Lakh
  44. OROP implemented after 43 years, 35000 crores disbursed to 8 crore veterans
  45. India's vaccination programme Indradhanush amongst 12 best practices of world
  46. 5035 Jan Aushadhi and - 1054 medicines under price control (60-90% discounts).
  47. More than 150 Amrit stores, reduction of cost of cromium cobalt Knee implant from 1.58-2.5 lakh to 54,720 and high flex implant from Rs181728 to 56490 (69%), 85% reduction in cardiac stent price to Rs 28000
  48. 87% reduction in 400 cancer drugs
  49. Rate of Interest on higher education loans dropped from 14.75 in 2013 to 10.88% in 2019, savings of 1.18 lakh on 10 lakh loan over tenure of 60 months, Rs 2000 savings on EMI
  50. Data revolution: Cost of 1 GB $0.26 in India against $12.37 in US, $6.66 in UK and $75.2 in Zimbabwe. Unlimited mobile+ 45 Gb data = Rs 150 against Rs 1000 in 2013; annual savings of 10,200
  51. Katra rail line work completed after 16 years
  52. Dhola Sadiya bridge work completed after 16 years
  53. Sardar Sarovar Dam work completed after 15 years
  54. Aadhaar act
  55. Pakyong airport completed after 10 years
  56. Chennai Nashri Tunnel after 10 years
  57. Assam NRC after 40 years
  58. National War Memorial after 50 years
  59. NE cpas after 60 years
  60. Kollam bypass after 43 years
  61. Indo-Bangladesh enclaves after 42 years
  62. Bansagar canal project after 40 years
  63. Bogibeel bridge after 23 years
  64. Western peri expressway after 15 years
  65. Kota Chambal bridge after 11 years
  66. Maibang-Lumding Stretch completed
  67. Delhi Meerut Expressway completed
  68. Ganga Expressway project (world's longest) underway
  69. Metros in Ahmedabad, Nagpur, Jaipur, Lucknow, Washermenpet
  70. All umanned level crossings eliminated
  71. Ayushman Bharat: annual 5 lakh health care to every family, 15.05 lakh hospital admissions for secondary/ tertiary treatment, 2.4 crore e-cards generated as on 10 Mar 19 in 170 days. Target 50 crore people.
  72. 59minutes loan portal: 92,000 loan applications of MSME amounting to 30,000 crores approved, 6000 crores sanctioned till Nov 18
  73. 87% of farming house (owning land of 2 hctrs) or 12 cr ppl to get kisaan sammaan nidhi of Rs 6000 pr year. Rs 5215 cr transferred directly to 2.6 crore farmers in 37 days (for households with holding less than 0.01 hectares incm per month so far was Rs 8136 agnst exp of 6594
  74. 1.5 million electric rickshaws
  75. Procurement of 36 Rafale on Government to Government Basis avoiding middlemen
  76. 05 billion$ S 400 Triumf air defence missile system deal with Russia
  77. 145 M777 howitzer deal
  78. 22 Apache AH 64E multi-role combat helos
  79. 200 KA-226T helicopters
  80. 56 EADS CASA C-295 transport aircraft
  81. 15 CH 47 Chinook tactical transport helicopters
  82. 2.3 lakh Bullet proof jackets
  83. 1.6 lakh Bullet-proof helmets
  84. 777 mn USD Barak 8 LRSAM contract
  85. 5 bn USD S-400 air defence systems
  86. 10 Heron TP armed drones
  87. 4 additional P8I MR aircraft
  88. 40 units of Laser sensor border fence installed
  89. 72,400 Sig Sauer Assault rifles
  90. 100 self-propelled K9 Vajra howitzers
  91. 700000 AK-103 Kalashnikov assault rifles indigenous facility
  92. Surgical strikes in Myanmar, across LoC and in Pakistan. Only Country to bomb a Nuclear Powered Country
  93. 240 million visitors at Kumbh Mela 2019, cost 4236 crores @ Rs 177 per tourist, revenue 1.2 Lakh crores
  94. 833 teraflop supercomputer Param Shivay by IIT BHU at Rs 32.5 crores
  95. Divisional status to Ladakh
  96. 470 bed ESIC hospital in Ennore
  97. 100 bed ESIC hospital in Tiruppur
  98. Namami Gange - Ganga is 30% cleaner, 83 out of 97 ganga towns and 4456 villages achieved ODF status, 08 out of 16 drains emptying 16 crore l sewage into Ganga tapped. Target date Mar 2020
  99. 5,45,122 ODF villages, 598 ODF districts, 27 ODF states/ villages
  100. RERA implementation
  101. Udaan scheme - flight cost down from Rs 5000/1000 km in 2013 to 3400/1000 km in 2018, 34 airports operationalised, small towns connected, all states on aerial
  102. Preventive conservation of 39275570 folios, curative conservation of 3656863 filios, digitisation of 2.83 lakh manuscripts consisting of 2.93 crore pages
  103. India is now world's largest 2-wheeler manufacturer, 2nd largest smartphone manufacturer (94% of mobiles sold now made in India), 4th largest automaker, 2nd largest steel producer
  104. 5100 m Mandvi Bridge in Goa in 3.5 years
  105. Ease of doing Business ranking jump from 134 in 2014 to 77 in 2019
  106. Therubali - Singapur Bridge No 588
  107. Restoration of Asurgarh Fort, Kalahandi
  108. GeM portal with 731431 product categories, 180,862 registered sellers and 32114 govt buyers
  109. 10% EWS reservation
  110. 40% of ongoing 700 NH projects completed, adding 40,039 km between 2014-18 against 91,287 km between 1947-2014
  111. Highway construction rate jumped from 12 km/day in 2014 to 27 km/day in 2019
  112. 101 terrorists and 11 offenders extradited
  113. 90,000 ex-partite Indians evacuated
  114. Chabahar port, Sittwe port and Duqm port
  115. Military installation in Seychelles
  116. International logistics agreements with US, France and Singapore
  117. Work underway on 25 MLD ZLD Common Effluent Treatment Plant at Gujarat Eco Textile Park and will save 25 million litres of water per day
  118. Beautification of 65 railway stations, all stations fitted with LED lights, wi-fi, multi-brand food centres, kiosks, executive lounges, lifts (445 from 97 in 2014), escalators (603 from 199 in 2014), travellators and ramps
  119. Record number of foot over bridges built
  120. 871 new train services
  121. 180 new rail lines
  122. Dedicated railway freight corridor - 2 sections completed
  123. 100% electrification of railways underway, first solar powered railway station (Guwahati). First solar powered train (world's second), savings of Rs 40 Lakhs and 90,000 ltrs diesel per year
  124. Make in India semi-high-speed trains - Tejas, Gatiman and Vande Bharat
  125. Humsafar and Antodaya trains, Deen Dayalu and Anubhuti coaches, UDAY double decker, glass dome Vistadome coaches
  126. Project Swarn and Project Utkrisht to upgrade Rajdhani/Shatabdi and Mail/Express respectively
  127. Largest coach production in world at ICF, Chennai
  128. No more human extreta on railway tracks. Installation of 1.37 lakh out of 2.5 lakh completed in Jun 18.
  129. 400 wi-fi railway stations (Aug 18)
  130. 80% reduction in rail accidents
  131. 10 high speed rail corridors underway, target date 2025-26
  132. Export of world class customised coaches from MCF, Rae Bareli
  133. LIC and Air India register profit
  134. 2300 km rail tracks constructed, speed jumped from 4.1 km/day in 2014 to 6.53 km/day in 2018
  135. Neem coating of urea
  136. Gokul mission - record 160 million ton milk production
  137. Online availability of CBSE and NCERT books
  138. 10 crore LED bulbs distributed, 5000 crore savings
  139. Investment in urban infrastructure jumped from 157703 crores to 795500 crores
  140. Statue of Unity to commemorate Iron Man of India
  141. Rs 2509 crore sales in Khadi
  142. 482.36 million digital transactions worth Rs 74,978 crores in Oct 2018 against 0.3 million transactions worth Rs 90 crores in Nov 2016
  143. 30% increase in ATMs, 208% increase of PoS machines from 10.81 lakh in May 14 to 33.32 lakh in Aug 18, 111% increase in credit cards from 1.94 crore in May 14 to 4.10 crore in Aug 18, 144% increase in debit cards from 40.17 crore to 98.02 crore
  144. Ease of Doing Business Index 142 (2014) to 100 (2018)
  145. Ease of getting electricity index 99 (2014) to 26 (2018)
  146. UN's e-govt index 118 (2014) to 97(2018)
  147. Globalisation index 112 to 107 (2018)
  148. Innovation index 76 to 60 (2018)
  149. Competitiveness index 71 to 39
  150. Logistics performance index 54 to 35
  151. Global peace index 141 to 137
  152. DBR ranking 100 to 77
  153. India ranks 3rd in global start up ecosystem
  154. 06 crore jobs in MSME sector based on CII data
  155. 448 million formal jobs based on EPFO, NPS and PPF data
  156. 10 crore jobs in entrepreneurship via mudra and other schemes
  157. 80% increase in tax payers, 51.3 % increase in gross tax revenue
  158. Black Money report card - Voluntary income declaration scheme (Rs 65250 crore), IT search and survey operations (35,460 crore), Pradhan Mantri Garib Kalyan Yojana(5000 crore), Benami transactions Act (4300 crore), Black Money and Imposition of Tax Act (4100 crore)
160 Rs 6000 financial assiatence for pregnant women
161/1 . Sagarmala: port capacity increase from 8 to 14.7 lakh ton, cargo up from 89 to 116 MMT 8 new national waterways including ganga waterway NW-1 and Brahmaputra waterway NW-2.
161/2. domestic cruise service between Mumbai and Goa, ro-ro services on Ghoga-Dahej reducing travel distance from 294 to 31 km
161/3. New international cruise terminals at Chennai and Goa, railway line between Haridaspur and Paradip underway, LNG import terminal at Kamarajar port, Oil berth ai Jawahar Dweep,Coal berth at Mangalore port
161/4 . deep draft Iron ore berth at Paradip berth, JNPT SEZ, Kandla and Paradip smart industrial port city, largest dry dock and international ship repair facility at CSL, modernisation of 17 fishing harbours
  1. 800 km Delhi-Mumbai Expressway underway
  2. Replacement of bio-toilets with upgraded vacuum bio toilets in trains underway. Order for 500 placed on experimental basis.
  3. No terror strikes in hinterland
  4. 103 new KVs
  5. 62 new Navodaya Vidyalayas
  6. 6 new IITs against 16 in previous 57 years
  7. 6 new IIMs against 13 in previous 57 years
  8. 7 IIITs against 7 in previous 57 years
  9. 02 new IISER
  10. 12 new AIIMS against 7 in previous 57 years.
  11. 141 new universities against 30 in previous 57 years
  12. 01 new NIT
  13. Life Insurances @ Rs 12 annual and @ Rs 12 monthly premiums
  14. Atal Pension Yojana
  15. Pension to 42 crore people of unorganised sector
  16. Ambedkar memorial
  17. BHIM application for digital payments
  18. Khelo India Initiative for tracking of athletes' development, Rs 5 lk per annum scholarship for 1000 budding athletes per year for eight years each; monthly Rs 50000 out-of -pocket exptr, 2000 PETs, salary cap of coaches doubled from Rs 1-2 lk per month, target 15 yrs
  19. Special Task Force for Olympics
  20. RERA Act
  21. Bullet train maiden project
182/1. Rs 6.92 lakh crore Bharatmala project, 44 economic corridors with 9000 km road, 2000 km port connectivity, 9000km roads to connect district HQs with NH,
182/2. 2000 km road with Nepal, Bhutan, Bangladesh and Myanmar, opening up of 185 choke points, road development to char dham, 12 greenfield expressways spanning 1900 km
  1. 36 murtis retrieved and brought back to India in 2014-2019 under India Pride Project against 02 between 2000-2013, 02 in 90s, 03 in 80s, 01 in 70s and nil in 50s and 60s
  2. Unemployment rate 3.8% against 13.8 % in 2013
  3. India is a less-cash society now
  4. Develpment of Trincomalee and Columbo port while checkmating China's Hambantota by taking operations of near by (15 km away) Mattala Rajapaksha International Airport
  5. Plugging the 'double taxation avoidance' black money loophole through a new tax agreement with Mauritius
  6. Deal with Switzerland for automatic tax data sharing from 01 Jan 2019
189/1 Varanasi - Varanasi ring road phase 1 completed, phase 2 underway, inland waterways terminal, Babatpur airport highway, 140 MLD Dinaput STP, facelift to railway station, big cow shelter for stray cattle, BPO centre, piped gas project, Varanasi-Balia rail project,
189/2. Vande Bharat Express, Kashi Vishwanath temple - Ganga Ghat corridor project, renovation of all bathings ghats, LED illuminations of ghats and major roads, underground electricity cabling,
189/3. new sewage plants, 02 cancer treatment facilities, 65th to 29th rank in swachhata sarvekshan (2016), 90% ODF district.
  1. Creation of 100 Smart cities, 100 crore per year per city for 05 years, 500 acres for retrofitting, 50 acres for redevelopment, 250 acres for green field projects, 10% of energy from renewable resources, 80% of green building construction, special purpose vehicles.
191/1 Development of 500 AMRUT cities underway, urbanization project of rejuvenation and transformation which includes beach front development, prevention of beach erosion, improvement of water supply, replacement of pipelines,
191/2. New sewerage connections, greenery and open spaces, digital and smart facilities, e-governance, LED streetlights, public transport, storm water drainage projects in a phased manner, Target date 2022
  1. Increase in Child Sex Ratio (CSR) in 104 BBBP (Beti Bachao Beti Padhao) districts, anti-natal care registration in 119 districts and institutional deliveries in 146 out of total 640 districts as in Mar 18. CSR of Haryana increased from 871 to 914.
  2. International Yoga Day
  3. Aspirational Districts Programme: 115 'backward' districts placed under 'prabharis' and for competitive development on the basis of 49 performance indicators, target year 2022.
195/1. Make in India: 16.4 lakh crore investment committments, 1.5 lakh crore investment inquiries, 60 bn USD FDI, 26 sectors covered, 23 positions jump in World Bank's Doing Business Report (DBR), 32 places in WEF's Global Competitiveness Index (GCI),
195/2 19 places in Logistics Performance Index, 42 places in Ease of Doing Business index, schemes include Bharatmala, Sagarmala, dedicate freight corridors, industrial corridors, UDAN-RCS, Bharat Broadband Network, Digital India.
  1. 251 Passport Seva Kendras (PSKs) and Post Office Passport Seva kendras (POPSKs) against 77 till 2014, target of one PSK every 50 km across India.
  2. Unanimous election of Justice Dalveer Bhandari to ICJ forcing UK to pull out own nominee Christopher Greenwood, demonstrating India's clout in international arena.
  3. India Post Payments Bank: India's biggest banking outreach with 1.55 lakh post offices (2.5 times banking network) linked to IPPB system
  4. Philip Kotler award, Seoul Peace prize, Champion of the Earth Award, Grand Collar of the State of Palestine, Amir Abdulla Khan Award, King Abdulaziz Sash award, Amir Amanullah Khan award.
  5. 1900 gifts and memorabilia received by Modi auctioned and 11.7 crores added to Namami Gange fund, 1.4 c of Seoul Peace award also to Nammami Gange.
New Adds
  1. Removal of article 370 and thereby also 35a after several decades.
  2. Giving citizenship to persecuted minorities in Pakistan, Bangladesh and Afghanistan through passing of CAA.
  3. Trust for creation of Ram Mandir underway.
  4. Abolishment of Haj subsidy.
  5. Abolishment and criminalization of instant triple talak.
  6. Deal with Bodo community.
  7. Getting Maulana Masood Azhar listed as an UN designated terrorist.

Source - https://www.reddit.com/IndiaRWResources/comments/bgkus6/200_achievements_of_modi_govt/

List more achievements in the comment section and lets make the list bigger, a big thank you to our fallen kar sevak u/Alive_Firefighter
submitted by justchillar to Chodi [link] [comments]

[Beginner Investor] Need help vetting my thoughts!

Hi Everyone!

Been doing quite a bit of reading these past couple weeks to finally start off on my investment path, but still feel uncertain on a few points, and I was hoping some kind soul could help vet my thoughts?

  1. Due to risk apetite, current situation, 15% DWT, and pursuit of a globally diversified passive investing strategy i've narrowed it down to starting off with IWDA (Might read up more on SWRD) + EIMI for now.a. Although these ETF's are bought in foreign fx, they're still the best option in terms of TER.ie. in comparison to SGX traded alternatives for global exposure (ex. sgx s27 for S&P500)
  2. I've opened a Saxo account which i intend to grow till i hit 100K, at which point I should swap to IB.
  3. My Saxo account is set to SGD, but ultimately that setting won't really matter as IWDA and EMIM are bought on LSE so i'll have to take the forex risk regardless.
  4. Due to all the fees involved, it makes more sense to DCA into these ETF's on a quarterly basis vs for example 1K SGD on a monthly basis.
Do the above four points seem reasonable?
I'm also curious, I've got quite a bit of savings in an Irish bank account.... I'm thinking of moving that over to my SG bank using transferwise to function as my emergency fund. Or would it make more sense transferring it to SAXO to use for investing in the LSE based ETF's?

Thank you so much for any advice, i'd really really appreciate someone helping to sort out my thoughts!

[EDIT] To help clarify on the excessive acronyms
submitted by Amagahdz to singaporefi [link] [comments]

IS ____ AN MLM? SEARCH HERE. (MEGA THREAD)

For a quick, easier search - http://www.isthisanmlm.com/ has compiled this whole thread. Special thanks to u/SHIFTnSPACE. - This is now a part of the sidebar as a button widget!

What is an MLM?

Multi-level marketing (MLM), also called pyramid selling, network marketing, and referral marketing, is a marketing strategy for the sale of products or services where the revenue of the MLM company is derived from a non-salaried workforce selling the company's products/services, while the earnings of the participants are derived from a pyramid-shaped or binary compensation commission system. ​

THIS LIST MAY CONTAIN COMPANIES THAT HAVE PREVIOUSLY HAD MLM BRANCH BUT MAY NO LONGER HAVE ONE. If you see a company and are not sure that it belongs on this list, please reach out. I have compiled this list from the sources listed at the bottom along with input from community members. This list may not be 100% accurate but the goal is to get it as close as possible.
31 - Bags
5Linx - Home & Business Services
Abby & Anna - Clothing
ACAN Pacific - Utilities
ACN - Utilities
ActiLabs - Skincare/Health
Adornable.U - Accessories
Advocare - Dietary Supplements
AeroGrow - Garden Tools
Agnes & Dora - Clothing
AIM Global - Nutritional Supplements
Akasuka (Japan) -
Alcone - Beauty
Alice's Table - Flower Arrangement Classes
All'asta - Home Goods
Allysian Sciences -
Aloe Vera of America (Young Living) - Nutritional Supplements
Aloette - Beauty
Alphay Int - Nutritional Supplements
AlureVe - Skincare/Health
Amare Global - Nutritional Supplements
Ambit - Utilities
Amelia James -
Ameo - Essential Oils
American Income Life - Financial
Amsoil - Motor Oil
Amway - Health/Beauty/Home Goods
Ann Summers - Product
Ann Summers (UK) - Adult Novelties
Anorak (UK) - Home Goods
Anran (China) -
Apollo (India) - Juice
Apriori - Skincare/Health
AquaSource UK - Nutritional Supplements
Arbonne - Skincare/Health
ARIIX - Water Purification
Arsoa Honsha (Japan) - Fitness/Weight Loss
Asea Global - Nutritional Supplements
Asirvia (shut down) - Marketing
Aspire/Digital Altitude - Marketing
ATC Coin - Crypto Currency
Athena's - Adult Novelties
Atomy - Skincare/Health
Ava Anderson -
Ava Rose - Clot
Avisae - Weight Loss
Avon - Beauty
b:hip Global - Health
Bachar Nutrition - Nutritional Supplements
Bamboo Pink - Jewelry
Barefoot Books - Books
Bath.Ologie - Bath Bombs
Beach Body - Fitness/Weight Loss Videos
BearCereju (Japan) - Cosmetics
BeautiControl -
Beauty Counter - Cosmetics
Beauty Society - Beauty
beCAUSE Cosmetics - Cosmetics
Become International (US & AUS) - Cosmetics
Bedroom Kandi - Adult Novelties
Beever (UK) - Hair Care
BelCorp (Latin America) - Cosmetics
Bellame - Skincare/Health
Bemer - Appliances
Better Way Design/Imports - Clothing
Biogreen Argentina -
BioPerformance - Automotive (Fuel Pills)
Bod-e Pro - Nutritional Supplements
Body by Vi/Visalus - Health
Body Shop at Home - Beauty
Boisset Collection - Wine
Boston Finney (shut down) -
Bounce Life/Network - Insurance
Bud Star (Canada) - CBD/THC Products
BurnLounge (shut down as pyramid scheme by FTC in 2012) -
Buskins - Clothing
Butterfly Beauty - Cosmetics
Cabi - Clothing
Cambridge Weight Plan/Diet - Dietary Supplements
CAN - Utilities
Captain Tortue - Clothing
Carico Int - Home Goods
Celebrating Home - Home Goods
Cellements - Skincare/Health
CEO Movement (Not MLM but scammy) -
Chalk Couture - Chalkboard Signs
Chalky & Co - Home Goods
Chandeal (Japan) - Clothing
Charle (Japan) - Clothing
Charlie's Project - Clothing
Chef's Toolbox (AUS) (Insolvency) - Kitchen Accessories
Cherish Natural Products -
Chloe & Isabel - Jewelry
Clever Container - Home Goods
Close to My Heart - Scrapbooking
Cloud 9 Parties - Adult Novelties
Cobra Group/Appco -
Cocoa Exchange - Food
Color by Amber - Jewelry
Color Happy -
Color Street - Nail Wraps
Colour Me Beautiful (UK) - Clothing
Compelling Creations - Jewelry
Conklin - Roofing
Cookie Lee (shut down) -
Cosway (Malaysia) - Health/Beauty/Home Goods
Country Scents - Product/Candles
Create Your Life - Health
Creative Memories - Scrapbooking
Credit Repair USA - Financial
Crunchi - Cosmetics
Cutco - Knives
CVSL - Multiple Companies
Daisy Blue Naturals - Personal Care
Damsel in Defense - Product/Self Defense
Darceys - Candles
David Lerner Associates, INC - Financial
Dazzle and Daze - Clothing
Deutsche vermögensberatung/Dvag (Germany) - Financial
Diana (Japan) -
Dione Cosmetics - Cosmetics
Direct Cellars/DC Nation - Wine
Discovery Toys - Educational Toys
Divvee/Nui -
Dot Dot Smile - Clothing
DoTERRA - Health/Oils
Du Northing Designs - Clothing
Dubli Network - Financial
Dudley Beauty - Cosmetics
DXN - Health/Beauty/Home Goods
Dynamic Essentials -
EcoWarehouse - Home Goods
Elepreneuer -
Elk River Soaps - Personal Care
Ella Tina - Clothing
Elli Kai - Clothing
Elvacity - Nutritional Supplements
EmGoldEx/Global Intergold -
Enagic/Kangen Water - Ionized Water
Endless Xpressions - Clothing/Accessories
Enersource Int - Nutritional Supplements
Enjo (AUS) - Cleaning Producs
Envy Jewelry - Jewelry
Epicure (Canada) - Food
Equinox International (dissolved in 2001) -
Ergo (Germany) - Insurance
Essante Organics -
Essential Bodywear - Clothing
European Grouping of Marketing Professionals/CEDIPAC SA (dissolved 1995) -
European Home Retail (dissolved 2007) -
Evanescence Network - Health
EVER Skincare - Skincare/Health
Evolution Travel - Product
EvolvHealth - Health
Faberlic (Russia) - Health/Beauty/Home Goods
Family First Life - Insurance
Family Heritage Insurance - Insurance
Fantasia - Adult Novelties
Fantasia (Canada) - Adult Novelties
FES Connect - Financial
Fibi & Clo - Footwear
Fifth Ave Collection - Jewelry
First Fitness Nutrition - Dietary Supplements
Fit4Mom - Clothing
FITTEAM Global - Dietary Supplements
Flamingo Paperie - Art
Fleuresse -
FM World (UK) -
For Tails Only - Pet Supplies
Forever Living - Health/Oils
Forex Education (iMarkets Live branch) - Crypto
Forex Entourage - Financial
Fortune Hi-Tech Marketing (dissolved 2013) -
Four Oceans - Health
Fragant Jewels - Bathbombs
FreeLife - Nutritional Supplements
Frontrow -
Fuel Freedom Int - Automotive
Fund America (Bankrupt 1990) -
Gano Excel - Nutritional Supplements
GelMoment - Beauty
Gemstra - Jewelry
Genesis Pure - Nutritional Supplements
Global Legacy Initiative -
GoDesana - Pet
Gold Canyon - Product/Candles
Golden Days (China) - Health
Grace & Heart - Jewelry
Green HoriZen - CBD
Greeting Cake Company - Cake Kits
H2O At Home - Personal Care
Hale - CBD Oil
Hanky Panky Parties (Canada) - Adult Novelties
Happy Coffee - Coffee
Harvard Risk Management (Legal Shield) -
Hayward's Gourmet Popcorn - Food
HB Naturals - Health
He(L)o - Health
Healthy Peach - Dietary Supplements
Heavenly Chia - Food
Heka Corp - Fitness
Helo Wristbands - Health
HempWorx - Health
Herbalife - Health
Heritage Makers - Scrapbooking
Hinode - Cosmetics
Holiday Magic (shut down) -
Home Interiors - Home Goods
Honey - Beauty
Honey & Lace - Clothing
Hualin Biotech (China) - Health
iCoinPro - Crypto Currency
ID Life - Health
Igniting Passion (Canada) - Adult Novelties
iMarketsLive - Financial Trading Software
Immunotec - Health
Imperial Candles (UK) - Candles
In a Pikle - Bags
Income Advantage -
India Hicks - Product/Accessories
Infinitus - Health
Initials, Inc - Bags
Inkd Up Nails - Beauty
innov8tive nutrition - Nutritional Supplements
InteleTravel - Travel
Intimo (AUS/NZ) - Adult Novelties
Isagenix - Dietary Supplements
ItWorks! - Health
J. Elizabeth - Clothing
J. Hilburn - Clothing
J.R Watkins -
Jafra - Beauty
Jamberry - Beauty
Jamby - Clothing
Jamie at Home (shut down) -
Janice Collection - Home Goods
Java Momma - Coffee
Javita - Coffee
Jbloom - Jewelry
Jequiti - Cosmetics
Jerky Direct -
Jeunesse - Beauty
Jewel Kade (31) - Jewelry
Jewelscent - Product/Candles
JK Apparel (Canada) - Clothing
Jordan Essentials - Beauty
JoyMain (China) - Health
Joyome (Plexus) - Beauty
JuicePlus - Nutritional Supplements
Jump Natural - Health
Kaesar & Blair -
Kalaia - Skincare/Health
Kalo & Co - Pearl/Jewelry
Kangen Water -
Kannaway - CBD Oil
Karat Bars - Gold
Kaszazz - Scrapbooking
Keep Collective - Jewelry
Keep Me Safe - Cos
KETO (Pruvit) -
Keto Coffee - Coffee
Ketones - Health
Kirby - Vacuums
Kleeneze - Home Goods
Kobold (Vorwerk) -
Kyani - Health
Labella Baskets - Home Goods
Lady Godiva Beauty - Cosmetics
Lavylites - Beauty
L'BRI - Beauty
LeadUp Consulting -
Legal Shield - Legal Services
LegArt (Canada) - Leggings
Legend Age (China) -
Legging Army - Clothing
Legging Girl - Clothing
Lemongrass Spa - Beauty
LeReve (Canada) - Cosmetics
Le-Vel (Thrive) - Health
Lia Sophia (dissolved) - Jewelry
Life Abundance - Pet
LIFE Leadership - Financial
Life Tree World - Food
LifeBrook -
LifePlus (US/Germany) - Dietary Supplements
Life's Abundance - Pet Supplies
LifeVantage - Dietary Supplements
Lilla Rose - Jewelry
Limelife - Skincare/Health
Limu - Health
Limu - Nutritional Supplements
Linen World - Home Goods
Lion Crown -
Lipsense - Beauty
Liv International - Travel
Live Sore - Clothing
Longabeger Company - Baskets
Longrich (China) - Beauty
Lorraine Lee Linen - Home Goods
Love Winx - Adult Novelties
LR Beauty & Health - Beauty
LuLaRoe - Clothing
Lulu Ave - Jewelry
Luminess - Cosmetics
Lyconet/Lyoness -
Lyoness - Financial
M. Global (Jamberry) - Jewelry
M. Network - Nutritional Supplements
Maelle Beauty - Beauty
Magnabilities - Jewelry
Magnolia & Vine - Jewelry
Makeup Eraser - Cosmetics
Man Cave - Kitchen Accessories
Mannatech - Dietary Supplements
Mark. - Financial
Market America - Health/Beauty/Home Goods
Marly Ray - Pearl/Jewelry
Marvelous Mouse Travels - Travel
Mary & Martha - Home Goods
MaryKay - Beauty
Maskara - Beauty
Matilda Jane - Clothing
Max & Madeleine - Skincare/Health
Maxwell Clothing - Clothing
MCA - Financial
Medifast - Nutritional Supplements
Melaleuca - Health/Beauty/Home Goods
Metabolife (dissolved in 2005) -
MiA Bath and Body (Closed) -
mialisia - Jewelry
Miche EU - Accessories
Miki (Asia) - Nutritional Supplements
MOA Nutrition - Nutritional Supplements
Modere -
MojiLife - Essential Oils
Monat - Hair Care
MonaVie (went into foreclosure 2015) -
Morinda Bioactives - Personal Care/Dietary Supplements
Motives Cosmetics - Cosmetics
Multpure - Water
My Club 8 - CBD Oil
My Daily Choice - Nutritional Supplements
My LALA Leggings - Clothing
myEcon - Financial
National Safety Associates - Dietary Supplements
National Wealth Center - Education
Natura (Brazil) - Cosmetics
Nature Direct (AUS) - Essential Oils
Nature's Sunshine Products - Dietary Supplements
Neal's Yard Remedies Organic - Beauty
NeoLife - Dietary Supplements
Neora (Nerium) -
Nerium - Skincare/Health
NeVetica - Pet Supplies
New Era (China) - Nutritional Supplements
New U Life - Health
Neways - Personal Care
Nikken -
Noevir - Beauty
Nomades - Jewelry
Noonday Collection - Jewelry
Norwex - Cleaning Producs
Nouveau Riche (real estate investment college) (dissolved 2010 -
Nspire Network - Feminine Products
NuCerity - Skincare/Health
NuSkin - Tooth Paste/Personal Care
Nutriboom -
NXIVM - Financial
Nygard - Clothing
Omnilife - Dietary Supplements
One Hope Wine - Wine
Optavia - Health
Opulenza - Jewelry
Organo Gold - Coffee
Oriflame - Personal Care
Origami Owl - Jewelry
Our Hearts Desire - Jewelry
Paid 2 Save - Travel
Pampered Chef - Kitchen Accessories
Paparazzi - Jewelry
Paperly - Paper
Park Lane Jewelry - Jewelry
Party Girl - Candles
Party Lite - Candles
Party Time Mixes - Food
PartyLite - Candles
Passion Parties - Adult Novelties
Pawtree - Pet
Paycation - Travel
Peach - Clothing
Pearl Chic - Pearl/Jewelry
Peekaboo Beans - Clothing
Perfect (China) - Cosmetics
Perfectly Polished - Beauty
Perfectly Posh - Beauty
Personally Poetic - Jewelry
PHP - Insurance
Pierre Lang - Jewelry
Pink Zebra - Candles
Piphany - Clothing
PixieLane - Clothing
Plexus - Health
Plumeria Bath - Beauty
Plunder - Jewelry
PM International - Health
Pola (Japan) - Skincare/Health
Poofy Organics - Beauty
Powur - Solar Panels
Premier Designs - Jewelry
Premier Financial - Financial
PrimeMyBody - Health
Primerica - Financial
Princess House - Kitchen Accessories
ProDoula -
ProYoung - Health
Pruvit - Health
Pulse Cosmetics - Cosmetics
Pure Haven - Cosmetics
Pure Romance - Product
PureHaven - Home Goods
PUREly - Essential Oils
Purium - Health
Qnet - Nutritional Supplements
Quanjian Natural (China) - Food
RadiantlyYou -
Rain International - Health
Rainbow Vacuum - Vacuums
Real Time Pain Relief - Health
Red Aspen - Beauty
RED Safety - Security
Regal Home and Gifts - Home Goods
Reliv - Health
Reliv - Nutritional Supplements
Renatus Real Estate - Education
RevitalU - Coffee/Health
Riway - Deer Placenta
Robert Kiyosaki -
Rodan+Fields - Beauty
Roland (Vorwerk) -
Rolmex (China) - Kitchen Accessories
Royal Tongan Limu (dissolved in 2003) -
Royaltie Gens - Marketing
Ruby Ribbon - Clothing
Saba - Health/Beauty
Sabika Jewelry - Jewelry
SafeGirl Security - Self Defense
Salad Master - Home Goods
SARSO (India) -
Scentsy - Health/Oils
Schneider's Gourmet World - Food
Scout & Cellar - Wine
Seacret - Beauty
SendOutCards - Gift Cards
Senegence - Skincare/Health
Shakeology (BeachBody) - Dietary Supplements
Shaklee - Dietary Supplements
Shopping Sherlock -
Shrimp & Grits - Clothing
Signature Homestyles - Home Goods
Silpada - Jewelry
Silver Icing - Jewelry
Simple Man - Personal Care
Simply Success Elite -
SimplyFun Games - Education
Skinny Body at Home - Dietary Supplements
SkinSanity/Tomorrow's Leaf - Skincare/Health
Smart Circle -
Smartway -
Solavei (dissolved 2015)[ -
Solvei (bankrupt) -
Sophie Paris (France/Asia) - Clothing
South Hill Designs - Jewelry
Southern Living at Home - Home Goods
SouthWestern Advantage - Education
Sseko - Clothing
Stampin Up - Paper
Steam Energy - Utilities
Steeped Tea - Tea
Stella & Dot - Clothing
Stream Energy - Financial
Style Dots - Jewelry
Success University - Education
Sun Hope (China) -
Sunrider - Health/Beauty/Home Goods
Sunset Gourmet - Food
Sunshine Empire (dissolved 2009) -
Surge 365 - Travel
Sweet Legs - Clothing
Sweet Minerals - Beauty
Symmetry Financial Group - Insurance
Syntek Global - Automotive
T.O.P Marketing Group -
TAG Team Marketing -
Taisei/Green Planet/Kaikisui (Japan_ - Purifiers
Tara at Home - Home Goods
Tastefully Simple - Food
Tavala - Health
Tealightful - Tea
Team National - Financial
TeDivina - Tea
Telecom Plus (UK) - Utilities
Telexfree (bankrupt 2014) -
The Advert Platfrom - Crypto Currency
The Body Shop at Home - Beauty
The Landmark Forum - Health
The Super Affiliate Network - Marketing
Thermomix (Vorwerk) -
Thirty One - Bags
Thrive - Health
Thrive Life - Food
Tiber River Naturals - Beauty
TKO WorldWide -
Tocara (Canada) - Jewelry
Tom James - Clothing
Total Life Changes/TLC - Health
TouchStone Crystal - Jewelry
Touchstone Essentials - Dietary Supplements
Tracy Negoshian - Clothing
Trades of Hope - Jewelry
Tranont - Financial
Transformational Beauty - Cosmetics
Travel Evolution - Travel
Traveling Vineyard - Wine
TraVerus Global - Travel
TriVita - Nutritional Supplements
Tropic Skin Care - Skincare/Health
True Peak Revolution (Europe) -
Truvision Health - Health
TS-Life - Nutritional Supplements
Tupperware - Tupperware
Unicity - Health
United Sciences of America (dissolved in 1987) -
United Warehouse (UK) -
US Health Advisors -
Usana - Nutritional Supplements
Usborne - Books
Utility Warehouse (UK) - Utilities
Valentus - Dietary Supplements
Vantel - Product/Pearls
Vasayo - Health
VectoCutco - Knives
Vemma - Dietary Supplements
viaOneHope - Wine
ViBella - Jewelry
VIC Cosmetics -
Vida Divina - Tea
Vie at Home (closed) -
Virtuity Financial Group (World Financial Group) -
ViSalus (Body by VI) - Dietary Supplements
Vitality Extracts - Essential Oils
VivaMK - Cleaning Producs
Volo - Health
Vorwerk - Home Goods
Votre Belle Maison (UK) - Giftware
Voxxlife - Health
Wakaya Perfection - Health
WakeUpNow (dissolved 2015) -
Watkins Inc - Health/Home Goods
Wealthperx - Travel
Wikaniko - Home Goods
Wildtree - Food
Willing Beauty - Beauty
Winasun - Health
Wine Shop at Home - Wine
Wines for Humanity - Wine
Wink Naturals - Health
World Financial Group/Pinnacle Leadership Development - Financial
World Leadership Group (dissolved in 2008) -
World Ventures/Wealth Wave/TKO WorldWide - Travel
WoTaBu - Travel
XanGo/Ziji - Health
Xerveo - Dietary Supplements
Xoom Energy - Utilities
Xooma - Weight Loss
Xstream Travel - Travel
Xyngular - Health
Yanbal Int - Jewelry
Yandi (China) - Nutritional Supplements
Yelloow - Beauty
Yevo (closed) -
Yofoto (China) - Health
Yoli - Health
Yoonla -
YOR Health - Weight Loss
Young Living - Health
Youngevity -
Younique - Beauty
YTB International - Travel
Zepter -
Zija - Health
Zilis - Health
Zinzino (Scandanavia) -
Zrii - Skincare/Health
Zurvita - Health
Zyia - Clothing
Zyn - Travel
TOTAL COUNT = 593 ​ This list will be continually updated (2/26/19).
2018 Archived MLM Mega Thread

Sources: https://mlmtruth.org/2018/02/08/the-mlm-master-list/ , https://en.wikipedia.org/wiki/List_of_multi-level_marketing_companies Special thanks to u/Copacetic1515 (I could not stick your thread)

For income disclosure information: Updated 2019 Thread

Other Helpful Links: Discussion about World Financial Group
submitted by antiMLMmod to antiMLM [link] [comments]

IS ___ AN MLM? CHECK HERE. (MEGA THREAD LIST)

IS ___ AN MLM? CHECK HERE. (MEGA THREAD LIST)
For a quick, easier search - http://www.isthisanmlm.com/ has compiled this whole thread. Special thanks to u/SHIFTnSPACE. - This is now a part of the sidebar as a button widget!
THIS LIST MAY CONTAIN COMPANIES THAT HAVE PREVIOUSLY HAD MLM BRANCH BUT MAY NO LONGER HAVE ONE. If you see a company and are not sure that it belongs on this list, please reach out. I have compiled this list from the sources listed at the bottom along with input from community members. This list may not be 100% accurate but the goal is to get it as close as possible.
What is an MLM?
Multi-level marketing (MLM), also called pyramid selling, network marketing, and referral marketing, is a marketing strategy for the sale of products or services where the revenue of the MLM company is derived from a non-salaried workforce selling the company's products/services, while the earnings of the participants are derived from a pyramid-shaped or binary compensation commission system.

--
31 - Bags
5Linx - Home & Business Services
Abby & Anna - Clothing
ACAN Pacific - Utilities
ACN - Utilities
ActiLabs - Skincare/Health
Adornable.U - Accessories
Advocare - Dietary Supplements
AeroGrow - Garden Tools
Agnes & Dora - Clothing
AIM Global - Nutritional Supplements
Akasuka (Japan) -
Alcone - Beauty
Alice's Table - Flower Arrangement Classes
All'asta - Home Goods
Allysian Sciences -
Aloe Vera of America (Young Living) - Nutritional Supplements
Aloette - Beauty
Alphay Int - Nutritional Supplements
AlureVe - Skincare/Health
Amare Global - Nutritional Supplements
Ambit - Utilities
Amelia James -
Ameo - Essential Oils
American Income Life - Financial
Amsoil - Motor Oil
Amway - Health/Beauty/Home Goods
Ann Summers - Product
Ann Summers (UK) - Adult Novelties
Anorak (UK) - Home Goods
Anran (China) -
Apollo (India) - Juice
Apriori - Skincare/Health
AquaSource UK - Nutritional Supplements
Arbonne - Skincare/Health
ARIIX - Water Purification
Arsoa Honsha (Japan) - Fitness/Weight Loss
Asea Global - Nutritional Supplements
Asirvia (shut down) - Marketing
Aspire/Digital Altitude - Marketing
ATC Coin - Crypto Currency
Athena's - Adult Novelties
Atomy - Skincare/Health
Ava Anderson -
Ava Rose - Clot
Avisae - Weight Loss
Avon - Beauty
b:hip Global - Health
Bachar Nutrition - Nutritional Supplements
Bamboo Pink - Jewelry
Barefoot Books - Books
Bath.Ologie - Bath Bombs
Beach Body - Fitness/Weight Loss Videos
BearCereju (Japan) - Cosmetics
BeautiControl -
Beauty Counter - Cosmetics
Beauty Society - Beauty
beCAUSE Cosmetics - Cosmetics
Become International (US & AUS) - Cosmetics
Bedroom Kandi - Adult Novelties
Beever (UK) - Hair Care
BelCorp (Latin America) - Cosmetics
Bellame - Skincare/Health
Bemer - Appliances
Better Way Design/Imports - Clothing
Biogreen Argentina -
BioPerformance - Automotive (Fuel Pills)
Bod-e Pro - Nutritional Supplements
Body by Vi/Visalus - Health
Body Shop at Home - Beauty
Boisset Collection - Wine
Boston Finney (shut down) -
Bounce Life/Network - Insurance
Bud Star (Canada) - CBD/THC Products
BurnLounge (shut down as pyramid scheme by FTC in 2012) -
Buskins - Clothing
Butterfly Beauty - Cosmetics
Cabi - Clothing
Cambridge Weight Plan/Diet - Dietary Supplements
CAN - Utilities
Captain Tortue - Clothing
Carico Int - Home Goods
Celebrating Home - Home Goods
Cellements - Skincare/Health
CEO Movement (Not MLM but scammy) -
Chalk Couture - Chalkboard Signs
Chalky & Co - Home Goods
Chandeal (Japan) - Clothing
Charle (Japan) - Clothing
Charlie's Project - Clothing
Chef's Toolbox (AUS) (Insolvency) - Kitchen Accessories
Cherish Natural Products -
Chloe & Isabel - Jewelry
Clever Container - Home Goods
Close to My Heart - Scrapbooking
Cloud 9 Parties - Adult Novelties
Cobra Group/Appco -
Cocoa Exchange - Food
Color by Amber - Jewelry
Color Happy -
Color Street - Nail Wraps
Colour Me Beautiful (UK) - Clothing
Compelling Creations - Jewelry
Conklin - Roofing
Cookie Lee (shut down) -
Cosway (Malaysia) - Health/Beauty/Home Goods
Country Scents - Product/Candles
Create Your Life - Health
Creative Memories - Scrapbooking
Credit Repair USA - Financial
Crunchi - Cosmetics
Cutco - Knives
CVSL - Multiple Companies
Daisy Blue Naturals - Personal Care
Damsel in Defense - Product/Self Defense
Darceys - Candles
David Lerner Associates, INC - Financial
Dazzle and Daze - Clothing
Deutsche vermögensberatung/Dvag (Germany) - Financial
Diana (Japan) -
Dione Cosmetics - Cosmetics
Direct Cellars/DC Nation - Wine
Discovery Toys - Educational Toys
Divvee/Nui -
Dot Dot Smile - Clothing
DoTERRA - Health/Oils
Du Northing Designs - Clothing
Dubli Network - Financial
Dudley Beauty - Cosmetics
DXN - Health/Beauty/Home Goods
Dynamic Essentials -
EcoWarehouse - Home Goods
Elepreneuer -
Elk River Soaps - Personal Care
Ella Tina - Clothing
Elli Kai - Clothing
Elvacity - Nutritional Supplements
EmGoldEx/Global Intergold -
Enagic/Kangen Water - Ionized Water
Endless Xpressions - Clothing/Accessories
Enersource Int - Nutritional Supplements
Enjo (AUS) - Cleaning Producs
Envy Jewelry - Jewelry
Epicure (Canada) - Food
Equinox International (dissolved in 2001) -
Ergo (Germany) - Insurance
Essante Organics -
Essential Bodywear - Clothing
European Grouping of Marketing Professionals/CEDIPAC SA (dissolved 1995) -
European Home Retail (dissolved 2007) -
Evanescence Network - Health
EVER Skincare - Skincare/Health
Evolution Travel - Product
EvolvHealth - Health
Faberlic (Russia) - Health/Beauty/Home Goods
Family First Life - Insurance
Family Heritage Insurance - Insurance
Fantasia - Adult Novelties
Fantasia (Canada) - Adult Novelties
FES Connect - Financial
Fibi & Clo - Footwear
Fifth Ave Collection - Jewelry
First Fitness Nutrition - Dietary Supplements
Fit4Mom - Clothing
FITTEAM Global - Dietary Supplements
Flamingo Paperie - Art
Fleuresse -
FM World (UK) -
For Tails Only - Pet Supplies
Forever Living - Health/Oils
Forex Education (iMarkets Live branch) - Crypto
Forex Entourage - Financial
Fortune Hi-Tech Marketing (dissolved 2013) -
Four Oceans - Health
Fragant Jewels - Bathbombs
FreeLife - Nutritional Supplements
Frontrow -
Fuel Freedom Int - Automotive
Fund America (Bankrupt 1990) -
Gano Excel - Nutritional Supplements
GelMoment - Beauty
Gemstra - Jewelry
Genesis Pure - Nutritional Supplements
Global Legacy Initiative -
GoDesana - Pet
Gold Canyon - Product/Candles
Golden Days (China) - Health
Grace & Heart - Jewelry
Green HoriZen - CBD
Greeting Cake Company - Cake Kits
H2O At Home - Personal Care
Hale - CBD Oil
Hanky Panky Parties (Canada) - Adult Novelties
Happy Coffee - Coffee
Harvard Risk Management (Legal Shield) -
Hayward's Gourmet Popcorn - Food
HB Naturals - Health
He(L)o - Health
Healthy Peach - Dietary Supplements
Heavenly Chia - Food
Heka Corp - Fitness
Helo Wristbands - Health
HempWorx - Health
Herbalife - Health
Heritage Makers - Scrapbooking
Hinode - Cosmetics
Holiday Magic (shut down) -
Home Interiors - Home Goods
Honey - Beauty
Honey & Lace - Clothing
Hualin Biotech (China) - Health
iCoinPro - Crypto Currency
ID Life - Health
Igniting Passion (Canada) - Adult Novelties
iMarketsLive - Financial Trading Software
Immunotec - Health
Imperial Candles (UK) - Candles
In a Pikle - Bags
Income Advantage -
India Hicks - Product/Accessories
Infinitus - Health
Initials, Inc - Bags
Inkd Up Nails - Beauty
innov8tive nutrition - Nutritional Supplements
InteleTravel - Travel
Intimo (AUS/NZ) - Adult Novelties
Isagenix - Dietary Supplements
ItWorks! - Health
J. Elizabeth - Clothing
J. Hilburn - Clothing
J.R Watkins -
Jafra - Beauty
Jamberry - Beauty
Jamby - Clothing
Jamie at Home (shut down) -
Janice Collection - Home Goods
Java Momma - Coffee
Javita - Coffee
Jbloom - Jewelry
Jequiti - Cosmetics
Jerky Direct -
Jeunesse - Beauty
Jewel Kade (31) - Jewelry
Jewelscent - Product/Candles
JK Apparel (Canada) - Clothing
Jordan Essentials - Beauty
JoyMain (China) - Health
Joyome (Plexus) - Beauty
JuicePlus - Nutritional Supplements
Jump Natural - Health
Kaesar & Blair -
Kalaia - Skincare/Health
Kalo & Co - Pearl/Jewelry
Kangen Water -
Kannaway - CBD Oil
Karat Bars - Gold
Kaszazz - Scrapbooking
Keep Collective - Jewelry
Keep Me Safe - Cos
KETO (Pruvit) -
Keto Coffee - Coffee
Ketones - Health
Kirby - Vacuums
Kleeneze - Home Goods
Kobold (Vorwerk) -
Kyani - Health
Labella Baskets - Home Goods
Lady Godiva Beauty - Cosmetics
Lavylites - Beauty
L'BRI - Beauty
LeadUp Consulting -
Legal Shield - Legal Services
LegArt (Canada) - Leggings
Legend Age (China) -
Legging Army - Clothing
Legging Girl - Clothing
Lemongrass Spa - Beauty
LeReve (Canada) - Cosmetics
Le-Vel (Thrive) - Health
Lia Sophia (dissolved) - Jewelry
Life Abundance - Pet
LIFE Leadership - Financial
Life Tree World - Food
LifeBrook -
LifePlus (US/Germany) - Dietary Supplements
Life's Abundance - Pet Supplies
LifeVantage - Dietary Supplements
Lilla Rose - Jewelry
Limelife - Skincare/Health
Limu - Health
Limu - Nutritional Supplements
Linen World - Home Goods
Lion Crown -
Lipsense - Beauty
Liv International - Travel
Live Sore - Clothing
Longabeger Company - Baskets
Longrich (China) - Beauty
Lorraine Lee Linen - Home Goods
Love Winx - Adult Novelties
LR Beauty & Health - Beauty
LuLaRoe - Clothing
Lulu Ave - Jewelry
Luminess - Cosmetics
Lyconet/Lyoness -
Lyoness - Financial
M. Global (Jamberry) - Jewelry
M. Network - Nutritional Supplements
Maelle Beauty - Beauty
Magnabilities - Jewelry
Magnolia & Vine - Jewelry
Makeup Eraser - Cosmetics
Man Cave - Kitchen Accessories
Mannatech - Dietary Supplements
Mark. - Financial
Market America - Health/Beauty/Home Goods
Marly Ray - Pearl/Jewelry
Marvelous Mouse Travels - Travel
Mary & Martha - Home Goods
MaryKay - Beauty
Maskara - Beauty
Matilda Jane - Clothing
Max & Madeleine - Skincare/Health
Maxwell Clothing - Clothing
MCA - Financial
Medifast - Nutritional Supplements
Melaleuca - Health/Beauty/Home Goods
Metabolife (dissolved in 2005) -
MiA Bath and Body (Closed) -
mialisia - Jewelry
Miche EU - Accessories
Miki (Asia) - Nutritional Supplements
MOA Nutrition - Nutritional Supplements
Modere -
MojiLife - Essential Oils
Monat - Hair Care
MonaVie (went into foreclosure 2015) -
Morinda Bioactives - Personal Care/Dietary Supplements
Motives Cosmetics - Cosmetics
Multpure - Water
My Club 8 - CBD Oil
My Daily Choice - Nutritional Supplements
My LALA Leggings - Clothing
myEcon - Financial
National Safety Associates - Dietary Supplements
National Wealth Center - Education
Natura (Brazil) - Cosmetics
Nature Direct (AUS) - Essential Oils
Nature's Sunshine Products - Dietary Supplements
Neal's Yard Remedies Organic - Beauty
NeoLife - Dietary Supplements
Neora (Nerium) -
Nerium - Skincare/Health
NeVetica - Pet Supplies
New Era (China) - Nutritional Supplements
New U Life - Health
Neways - Personal Care
Nikken -
Noevir - Beauty
Nomades - Jewelry
Noonday Collection - Jewelry
Norwex - Cleaning Producs
Nouveau Riche (real estate investment college) (dissolved 2010 -
Nspire Network - Feminine Products
NuCerity - Skincare/Health
NuSkin - Tooth Paste/Personal Care
Nutriboom -
NXIVM - Financial
Nygard - Clothing
Omnilife - Dietary Supplements
One Hope Wine - Wine
Optavia - Health
Opulenza - Jewelry
Organo Gold - Coffee
Oriflame - Personal Care
Origami Owl - Jewelry
Our Hearts Desire - Jewelry
Paid 2 Save - Travel
Pampered Chef - Kitchen Accessories
Paparazzi - Jewelry
Paperly - Paper
Park Lane Jewelry - Jewelry
Party Girl - Candles
Party Lite - Candles
Party Time Mixes - Food
PartyLite - Candles
Passion Parties - Adult Novelties
Pawtree - Pet
Paycation - Travel
Peach - Clothing
Pearl Chic - Pearl/Jewelry
Peekaboo Beans - Clothing
Perfect (China) - Cosmetics
Perfectly Polished - Beauty
Perfectly Posh - Beauty
Personally Poetic - Jewelry
PHP - Insurance
Pierre Lang - Jewelry
Pink Zebra - Candles
Piphany - Clothing
PixieLane - Clothing
Plexus - Health
Plumeria Bath - Beauty
Plunder - Jewelry
PM International - Health
Pola (Japan) - Skincare/Health
Poofy Organics - Beauty
Powur - Solar Panels
Premier Designs - Jewelry
Premier Financial - Financial
PrimeMyBody - Health
Primerica - Financial
Princess House - Kitchen Accessories
ProDoula -
ProYoung - Health
Pruvit - Health
Pulse Cosmetics - Cosmetics
Pure Haven - Cosmetics
Pure Romance - Product
PureHaven - Home Goods
PUREly - Essential Oils
Purium - Health
Qnet - Nutritional Supplements
Quanjian Natural (China) - Food
RadiantlyYou -
Rain International - Health
Rainbow Vacuum - Vacuums
Real Time Pain Relief - Health
Red Aspen - Beauty
RED Safety - Security
Regal Home and Gifts - Home Goods
Reliv - Health
Reliv - Nutritional Supplements
Renatus Real Estate - Education
RevitalU - Coffee/Health
Riway - Deer Placenta
Robert Kiyosaki -
Rodan+Fields - Beauty
Roland (Vorwerk) -
Rolmex (China) - Kitchen Accessories
Royal Tongan Limu (dissolved in 2003) -
Royaltie Gens - Marketing
Ruby Ribbon - Clothing
Saba - Health/Beauty
Sabika Jewelry - Jewelry
SafeGirl Security - Self Defense
Salad Master - Home Goods
SARSO (India) -
Scentsy - Health/Oils
Schneider's Gourmet World - Food
Scout & Cellar - Wine
Seacret - Beauty
SendOutCards - Gift Cards
Senegence - Skincare/Health
Shakeology (BeachBody) - Dietary Supplements
Shaklee - Dietary Supplements
Shopping Sherlock -
Shrimp & Grits - Clothing
Signature Homestyles - Home Goods
Silpada - Jewelry
Silver Icing - Jewelry
Simple Man - Personal Care
Simply Success Elite -
SimplyFun Games - Education
Skinny Body at Home - Dietary Supplements
SkinSanity/Tomorrow's Leaf - Skincare/Health
Smart Circle -
Smartway -
Solavei (dissolved 2015)[ -
Solvei (bankrupt) -
Sophie Paris (France/Asia) - Clothing
South Hill Designs - Jewelry
Southern Living at Home - Home Goods
SouthWestern Advantage - Education
Sseko - Clothing
Stampin Up - Paper
Steam Energy - Utilities
Steeped Tea - Tea
Stella & Dot - Clothing
Stream Energy - Financial
Style Dots - Jewelry
Success University - Education
Sun Hope (China) -
Sunrider - Health/Beauty/Home Goods
Sunset Gourmet - Food
Sunshine Empire (dissolved 2009) -
Surge 365 - Travel
Sweet Legs - Clothing
Sweet Minerals - Beauty
Symmetry Financial Group - Insurance
Syntek Global - Automotive
T.O.P Marketing Group -
TAG Team Marketing -
Taisei/Green Planet/Kaikisui (Japan_ - Purifiers
Tara at Home - Home Goods
Tastefully Simple - Food
Tavala - Health
Tealightful - Tea
Team National - Financial
TeDivina - Tea
Telecom Plus (UK) - Utilities
Telexfree (bankrupt 2014) -
The Advert Platfrom - Crypto Currency
The Body Shop at Home - Beauty
The Landmark Forum - Health
The Super Affiliate Network - Marketing
Thermomix (Vorwerk) -
Thirty One - Bags
Thrive - Health
Thrive Life - Food
Tiber River Naturals - Beauty
TKO WorldWide -
Tocara (Canada) - Jewelry
Tom James - Clothing
Total Life Changes/TLC - Health
TouchStone Crystal - Jewelry
Touchstone Essentials - Dietary Supplements
Tracy Negoshian - Clothing
Trades of Hope - Jewelry
Tranont - Financial
Transformational Beauty - Cosmetics
Travel Evolution - Travel
Traveling Vineyard - Wine
TraVerus Global - Travel
TriVita - Nutritional Supplements
Tropic Skin Care - Skincare/Health
True Peak Revolution (Europe) -
Truvision Health - Health
TS-Life - Nutritional Supplements
Tupperware - Tupperware
Unicity - Health
United Sciences of America (dissolved in 1987) -
United Warehouse (UK) -
US Health Advisors -
Usana - Nutritional Supplements
Usborne - Books
Utility Warehouse (UK) - Utilities
Valentus - Dietary Supplements
Vantel - Product/Pearls
Vasayo - Health
VectoCutco - Knives
Vemma - Dietary Supplements
viaOneHope - Wine
ViBella - Jewelry
VIC Cosmetics -
Vida Divina - Tea
Vie at Home (closed) -
Virtuity Financial Group (World Financial Group) -
ViSalus (Body by VI) - Dietary Supplements
Vitality Extracts - Essential Oils
VivaMK - Cleaning Producs
Volo - Health
Vorwerk - Home Goods
Votre Belle Maison (UK) - Giftware
Voxxlife - Health
Wakaya Perfection - Health
WakeUpNow (dissolved 2015) -
Watkins Inc - Health/Home Goods
Wealthperx - Travel
Wikaniko - Home Goods
Wildtree - Food
Willing Beauty - Beauty
Winasun - Health
Wine Shop at Home - Wine
Wines for Humanity - Wine
Wink Naturals - Health
World Financial Group/Pinnacle Leadership Development - Financial
World Leadership Group (dissolved in 2008) -
World Ventures/Wealth Wave/TKO WorldWide - Travel
WoTaBu - Travel
XanGo/Ziji - Health
Xerveo - Dietary Supplements
Xoom Energy - Utilities
Xooma - Weight Loss
Xstream Travel - Travel
Xyngular - Health
Yanbal Int - Jewelry
Yandi (China) - Nutritional Supplements
Yelloow - Beauty
Yevo (closed) -
Yofoto (China) - Health
Yoli - Health
Yoonla -
YOR Health - Weight Loss
Young Living - Health
Youngevity -
Younique - Beauty
YTB International - Travel
Zepter -
Zija - Health
Zilis - Health
Zinzino (Scandanavia) -
Zrii - Skincare/Health
Zurvita - Health
Zyia - Clothing
Zyn - Travel

--
TOTAL COUNT = 593

This list will be continually updated (1/23/19).
Sources: https://mlmtruth.org/2018/02/08/the-mlm-master-list/ , https://en.wikipedia.org/wiki/List_of_multi-level_marketing_companies
Special thanks to u/Copacetic1515 (I could not stick your thread)
For income disclosure information:
https://www.reddit.com/antiMLM/comments/8vnute/income_disclosure_analysis_master_thread/
Other Helpful Links:
Discussion about World Financial Group: https://www.reddit.com/jobs/comments/34c6im/world_financial_group_be_careful_of_this_mlm/
submitted by twistplot to antiMLM [link] [comments]

New Strategy?

I have created a new strategy that manages risks decently. If anyone sees any flaws please say so, I am still a beginner and want some feed back in this.
I do 3 different types of trades. Day long/overnight, hours, and session trades
Day long/overnight- pretty self explanatory Hours- over the course of 2-8 hours Session- Literally watch as the rates change
For Day long trades I put a lot size of 0.10% of my total balance and calculate a stop loss from the time of the trade to when I would lose 7.5% of my acct, this leaves a lot of time for the market to shift back in my favor if it does go the opposite way for a bit. I set notifications with the SwissForex app for every 100 pips that the trade goes in my favor (ex. 108.700, 108.800, 108.900) and as soon as the exchange rate goes even 5 pips into profit, I change the stop loss to slightly above breaking even, and change it every 100 pips. I set a notification as well for when it gets within 15 pips of my take profit number so I can change the number to higher and bring the stop loss number even close. (No more than 2 at a time)
For hours trades it is the same exact strategy as day long except the lot size is slightly bigger at 0.15% of my total balance, this gives it a little less time to sway back in your direction if you predict where it is going wrong. Other then that it is the exact same (No more than 2 at a time if there is a session trade going, if not 3)
For session trades you wont take your eyes off the trade and they are a lot shorter. I use a lot size of 0.25-0.5% of my total balance and calculate a stop loss front the time of trade to cancel after I would lose 10% of the account, this would leave a lot of time for it to sway back in your direction if it happens to go the wrong way. As soon as the exchange rate goes 3-5 pips in your favor, change the stop loss slightly higher and closer, every time as it slowly rises. You don’t want to put the stop loss too close to the current rate and be greedy, just in case there is a slightly drop, for it to only rise again faster. (I like to stay 5-8 pips behind it after I am guaranteed profit)
At the end of every week I withdrawal 30% of the profit and keep the other 70% to grow the account, cause as the balance gets bigger, those percentages stay the same, keep the same consistency, and make more money exponentially as it grows.
Once again I am still a novice at forex and still learning my ways to do things and manage risk/reward strategies. Any feedback on this would be greatly appreciated,
submitted by KylyBruh to Forex [link] [comments]

Vue d'ensemble de la finance aujourd'hui

Dans la logique de mon post sur la vulgarisation du marché monétaire, voici une vulgarisation de la finance dans sa globalité. Avant de me lancer dans le vif du sujet, je tiens à clarifier des notions importantes qui pourraient porter à confusion et que je sais que je verrai dans les commentaires. Je vais aussi vous donner un peu mon opinion personnelle pour éviter tout malentendu dans la discussion, sautez cette partie si ça ne vous intéresse pas. Si la modération trouve que c'est trop hors-sujet, libre à elle de supprimer le post.
J’ai entendu vos critiques dans les commentaires, j’avoue que j’ai vraiment trop simplifié certains passages, j’avais peur que le post soit trop long et trop technique, parfois au prix de la précision et de la rigueur, mea culpa. Cette fois-ci j’ai fait le choix de faire une synthèse des différents marchés financiers, qui régissent l’allocation des ressources financières dans notre société. Nombre d’entre vous ont dû entendre parler de certains d’entre eux, peut-être que vous participez à certains. Toutefois, comme dans mon autre post, je tiens à faire une précision importante. Les informations que je vous donne ici sont grandement insuffisantes pour que vous vous lanciez sur ces marchés, sans que cela s’apparente à une soirée au Monte Carlo pour votre portefeuille. Je ne vous incite aucunement à le faire, mon but étant uniquement d’éclairer ce qui se passe sur les marchés financiers, je n’ai aucune participation à quoi que ce soit, je ne suis pas rémunéré et je ne cherche pas à vendre ou à promouvoir quoi que ce soit. Je ne serai pas 100% exhaustif mais je ferai de mon mieux pour éclairer des sujets que vous pouvez parfois rencontrer dans la presse. Encore une fois, les questions et les remarques sont la bienvenue.
Un marché financier est une notion très abstraite somme toute, il s’agît de l’ensemble des acteurs, des informations et des outils qui font que l’offre (d’actifs) et la demande (le capital) se rencontrent. Ce n’est pas à confondre avec une bourse, qui est un lieu physique (et maintenant virtuel) où se rencontrent l’offre et la demande, ou une place financière, qui est une ville qui regroupe un grand nombre de marchés financiers et d’acteurs majeurs. Quand votre tonton vous prête 10k EUR pour que vous lanciez votre site d’e-commerce, ou que vous déposez de l’argent à la banque, vous participez à un marché financier. Au fil de l’histoire, différents outils financiers ont fait leur apparition, parfois graduellement, parfois brusquement sous l’impulsion de génies/fous (souvent des mathématiciens) et ont conféré des propriétés particulières aux marchés financiers. Il s’agît entre autres de la capacité à :
- Investitransférer le capital et les liquidités inutilisés
- Transférer le risque entre participants
- Echanger à l’international
- Eviter qu’il y ait trop de disparités entre les prix dans le marché, et qu’ils suivent (plus ou moins bien) la valeur intrinsèque.
Un marché efficace est par définition un marché qui reflète bien la valeur intrinsèque d'un investissement compte-tenu des informations disponibles. Des inefficacités peuvent surgir de coûts de transaction et/ou de frais d'agence élevés, de la faible liquidité des actifs ou encore à cause de barrières de toutes sortes. A mon humble avis, dans une économie de marché, il est dans l’intérêt public à ce que certains marchés soient efficaces pour que les inégalités économiques ne soient pas amplifiées et que toutes les classes sociales puissent y avoir accès, tant que cela ne se nuit pas indirectement à la société.
Parlons maintenant de prix et de valeur intrinsèque. La valeur intrinsèque d’un actif ou d’un instrument financier est la valeur financière (et parfois non-financière) future qu’il procurera, compte tenu de l’incertitude qu’il y a autour de la capacité de l’actif à réaliser cette valeur à l’avenir. La valeur intrinsèque est subjective car elle dépend de l’acheteur, principalement de son aversion et de sa capacité à encaisser le risque, mais pas que, comme nous allons le voir. Le prix reflète entre autres l’offre et la demande de l’actif, plus précisément les informations qu’ont les acheteurs, leurs biais et les barrières à la transaction, c’est pour cela qu’il peut dévier, parfois fortement, de la valeur intrinsèque. La valeur intrinsèque est fondamentalement impossible à connaître, mais cela ne veut pas dire qu’il n’y a pas de modèles mathématiques ou qualitatifs pour tenter de l’estimer. Ce qu’on appelle un acteur rationnel c’est un participant qui va, compte tenu de son capital, de ses besoins de liquidité, de son horizon d’investissement et de son aversion au risque (qui est une caractéristique rationnelle) acheter les actifs dont le prix est en-dessous de la valeur intrinsèque qu’il leur assigne et vendre ceux dont le prix est au-dessus de cette valeur.
Je ne crois pas qu’il y ait une façon non biaisée de présenter la finance alors je vais vous donner mon biais. Je crois personnellement en la finance comportementale et ce que je vais dire dans ce paragraphe est très controversé et mériterait toute une vie de recherche pour justifier (on peut en reparler dans les commentaires). Il faut savoir qu’il y a des paramètres anthropologiques (psychologiques, sociologiques, culturels, religieux et géographiques) qui viennent affecter les marchés, notamment leur efficacité, et les financiers et les régulateurs peuvent aborder le problème de plusieurs façons. Parfois on va trouver des intermédiaires qui vont faire fi de ces barrières, parfois on va tenter d’anonymiser les participants, parfois on va trouver un moyen de diffuser l’information à tous les participants, parfois on va réguler pour empêcher certains comportements nuisibles ou illégaux, ou bien on va créer des outils ou des stratagèmes pour contourner les barrières sans les effacer. La désintermédiation, la dérèglementation et le décloisonnement, ainsi que la volonté d’atteindre la concurrence pure et parfaite, ne sont pas toujours les meilleurs moyens d’avoir des marchés efficaces. Il faudrait que toutes les barrières socioculturelles, tous les biais psychologiques des participants des marchés disparaissent pour que cela puisse se faire, ce qui n’est évidemment ni souhaitable ni possible.
Le début est un peu technique mais est crucial pour que vous compreniez la suite. Premièrement, je vais vous parler de la notion de marché primaire et de marché secondaire, qui détermine où est transféré le capital et le risque. Deuxièmement, je vais vous parler de l’organisation et de la régulation des marchés. Troisièmement, je vais vous parler de la classification des marchés en fonction des instruments financiers qui s’y échangent et dernièrement je vais vous parler de la classification des marchés en fonction des actifs qui s’y échangent.
A – Les marchés primaires, secondaires, tertiaires et quaternaires.
Le marché primaire est le marché qui fait rencontrer ceux qui vont fournir des actions ou des obligations de leur propre entreprise, des matières premières ou autres actifs, en échange de capital. Quand une entreprise ou un Etat lèvent des fonds ils participent sur ce marché, quand une société d’exploitation de pétrole brut vend ses barils elle y participe aussi. Quand vous prêtez de l’argent à votre pote, ou que vous achetez une maison neuve à un promoteur immobilier vous participez au marché primaire. En général, il s’agît d’un marché désorganisé où des particuliers et des entreprises se rencontrent par leurs propres moyens (bouche à oreille, publicité) et qui est très peu régulé, qu’on appelle gré-à-gré, que j’expliciterai bientôt. Ce marché est relativement risqué et peu transparent, en général votre seul recours juridique est le civil et si votre contrepartie fait faillite vous n’avez aucune garantie de pouvoir récupérer votre dû. Il demande de faire confiance à votre contrepartie, d’être compétent et parfois spécialisé dans ce domaine ainsi que d’être particulièrement critique des informations que l’on vous donne. Quand il est organisé, il s’agît le plus souvent d’une vente aux enchères entre participants agréés.
Le marché secondaire est le marché où les actifs sont revendus entre investisseurs, ici le capital et le risque sont transférés d’un investisseur à un autre. Ce marché a plusieurs fonctions, il permet entre autres aux investisseurs de sortir du marché quand ils en ont envie, de standardiser et regrouper les actifs, d’actualiser le prix des actifs en fonction des événements et de permettre à un plus grand nombre d’investisseurs de détenir certains actifs qui leur serait parfois impossible d’obtenir faute de contacts ou de moyens. Si une action ou une obligation est échangée sur le marché secondaire, cela veut dire que l’entreprise sous-jacente a donné son accord à ce qu’elle renonce à choisir qui détient ses parts ou sa dette (à quelques exceptions près), elle n’est pas affectée directement par la transaction. Le marché secondaire est le plus souvent organisé et régulé, moyennant commission. Il est le plus souvent organisé dans un type d’enchère très particulier qu’on appelle bourse, ou bien d’un marché organisé par un courtier.
Je parle brièvement du marché tertiaire et du marché quaternaire car vous pourrez peut-être en entendre parler, le marché tertiaire est le marché où les courtiers interagissent avec les grosses institutions (souvent des banques) et le marché quaternaire est le marché entre grosses institutions uniquement. Ce sont des marchés gré-à-gré.
B – L’organisation et la régulation des marchés
Le marché le plus basique est le marché gré-à-gré ou over the counter (OTC) en anglais. Comme je l’ai dit plus haut, ce marché n’est pas organisé, il est sans intermédiaires. Pour y participer il faut trouver des contreparties par ses propres moyens, chercher les informations par soi-même et surtout faire confiance à la personne en face, chose qui n’est pas toujours facile. C’est surtout sur ce marché que se manifestent les barrières anthropologiques et les biais psychologiques car il y a peu de moyens de réguler ce qui s’y passe ou d’être sûr des informations que l’on a. Bien évidemment il existe des lois et des garde-fous juridiques ou médiatiques, mais vous êtes libres de rédiger n’importe quel contrat légal sur ce marché. C’est d’ailleurs ici que vous verrez les instruments financiers les plus complexes comme les options exotiques ou les swaps. Sur le marché gré-à-gré on dit que la liquidité est faible, comme vous avez souvent affaire à des actifs uniques (startups, œuvres d’art, options exotiques) que très peu de personnes convoitent, ce qui fait qu’il est coûteux et long de trouver des acheteurs, et ce qui pousse les prix à la hausse.
Je ne vais pas m’attarder dessus car il y a énormément à dire dessus, mais la vente aux enchères est une forme d’organisation des marchés. Vous y trouverez par exemple les obligations souveraines, les œuvres d’art ou bien, lors d’une introduction en bourse d’une entreprise, des actions sont attribuées aux premiers actionnaires via une enchère, ce qui permet de déterminer le prix initial de l’action en bourse. Si cela vous intéresse, regardez les différents types de vente aux enchères comme l’enchère anglaise ou l’enchère néerlandaise. Ici vous avez quelques intermédiaires qui rentrent en jeux comme le commissaire-priseur ou la banque d’investissement pour l’introduction en bourse, qui vont prendre leur commission en échange de la publicité qu’ils fournissent à votre actif et de la facilitation de la transaction – autrement dit de la liquidité. Il est à noter qu’un commissaire-priseur qui tient à sa réputation va exiger certaines contraintes et garanties sur l’actif, ce qui donne un début de régulation au marché financier. Dans le cas d’une introduction en bourse (Initial Public Offering ou IPO), les exigences sont draconiennes, les comptes financiers, les cadres dirigeants de l’entreprise et les actionnaires actuels sont scrutés à la fois par l’Autorité des Marchés Financiers (AMF) en France, et les analystes financiers.
La bourse est une forme d’enchère très spécifique. Elle rassemble des traders qui travaillent pour des courtiers ou des sociétés de gestion d’actifs et fonctionne avec une enchère dite continue/dirigée par ordres et est chapeautée par l’AMF en France. Les traders donnent des ordres de vente et d’achat – soit ils donnent un prix et achètent ou vendent tout ce qui est à un prix meilleur ou égal, soit ils spécifient une quantité et achètent ou vendent peu importe le prix, il existe aussi des ordres plus complexes où l’on spécifie un prix, une quantité et une date limite, entre autres. La bourse génère des profits en prenant une commission sur chaque ordre et à chaque fois qu’une nouvelle entreprise rentre sur le marché s’il s’agît d’une bouse d’actions. Ici il n’y a pas un prix unique pour un actif, il y a le prix de la demande (ask) et le prix de l’offre (bid) – il faut proposer un prix égal ou supérieur à l’ask pour pouvoir acheter l’actif et un prix inférieur ou égal au bid pour pouvoir le vendre. Un des effets de cette structure de marché (qui peut paraître contre-intuitif pour ceux habitués au marché gré-à-gré) est que plus on veut acheter une grande quantité de l’actif, plus il va falloir proposer un prix élevé, et inversement plus l’on veut en vendre, plus il va falloir baisser son prix. La bourse crée un peu plus de symétrie entre les acheteurs et les vendeurs, ce qui n’existe pas dans le marché gré-à-gré où l’avantage est déterminé largement par le contrôle qu’ont les acheteurs et les vendeurs sur le marché et l’information en circulation. Le rapport de force ne disparaît pas entièrement mais est artificiellement atténué. Cela fait aussi que si beaucoup d’acheteurs et vendeurs sont intéressés par un actif et que beaucoup d’ordres circulent, statistiquement la différence entre le bid et l’ask sera plus faible, c’est pour cela qu’on mesure traditionnellement la liquidité d’un actif en bourse par la différence entre le bid et l’ask, qu’on appelle le « bid-ask spread », par la moyenne du bid et de l’ask. En exigeant une forte transparence, en attirant des analystes financiers, les autorités des marchés et les médias, la bourse est un peu moins risquée que le marché gré-à-gré, permet d’avoir une meilleure idée de la valeur intrinsèque et surtout une bien meilleure liquidité, bien sûr à un prix. Bien sûr, le risque propre aux rendements futurs de l’investissement n’est pas vraiment affecté et jouer en bourse reste relativement risqué, voir même à espérance négative dans le cas du marché des changes. Sans rentrer sans les détails, la bourse permet parfois d’effectuer la vente à découvert (short-selling), c’est quand vous empruntez un actif à quelqu’un qui le détient, moyennant commission, pour le vendre immédiatement, le racheter plus tard (en espérant que les prix ont fortement baissé) et le rendre à son propriétaire après – cette pratique permet dans de nombreux cas d’ajuster des prix trop élevés lorsque pour x ou y raison les détenteurs ne les vendent pas alors que le prix est surélevé. Traditionnellement une bourse se tient dans un lieu physique mais maintenant c’est largement effectué virtuellement.
La dernière structure de marché majeure est le marché organisé par un courtier – souvent une banque d’investissement. Ici le courtier achète une grosse quantité d’actifs sur la bourse en tant que broker et la revend au détail à ses clients en tant que dealer, ses traders sont là pour répondre à la demande des clients au meilleur prix possible et à liquider le surplus. Le courtier peut prendre une commission sur les ordres, fixer son propre bid-ask en fonction de ses stocks disponibles et empocher la différence. Dans certains cas il peut prêter de l’argent à ses clients pour qu’ils achètent ses produits et encaisser les intérêts du prêt ou encore proposer les services d’analystes financiers qui vont faire des recommandations aux clients (a.k.a full service). Ces marchés restent contrôlés par l’AMF en France vu le contrôle qu’a le courtier sur son marché, le but étant que ses prix suivent ceux de la bourse. Le courtier gère son propre risque et met des limites (comme le margin call) pour éviter que ses clients ne fassent faillite – il est perdant si cela se produit, surtout s’il a prêté de l’argent à son client, il a surtout intérêt à ce que son client continue d’effectuer des ordres car c’est comme cela qu’il se rémunère, parfois au détriment du client.
C – marché au comptant, marché à terme et marché dérivé
Le marché au comptant, en anglais « spot » est le marché où les échanges ont lieu en temps direct – si accord il y a, l’actif et le capital sont échangés au moment de la transaction. Sans aucun autre instrument il n’offre pas beaucoup de flexibilité, il ne permet pas de manipuler facilement le risque auquel on s’expose, car en achetant un actif on prend à 100% le risque du sous-jacent et on est totalement soumis aux aléas des prix.
Le marché à terme est un peu différent. Ici on s’engage dans des contrats spécifiques où l’on se met d’accord sur un prix et où l’échange de capital et d’actif s’effectue à une date postérieure, peu importe le prix du marché à ce moment. Le terme utilisé pour dire qu’on rentre dans un contrat à terme est prendre une position. Ici on a un transfert d’une partie du risque de l’acheteur de l’actif (on dit qu’il est en position longue) au vendeur (on dit qu’il est en position courte). En effet, celui en position longue préfère fixer le prix futur et ne pas prendre le risque que les prix baissent et celui en position courte prend le risque d’acheter quelque chose qui en vaudra moins à la date de l’échange. Cela permet à certains investisseurs de couvrir, par exemple, leur risque de change s’ils savent qu’à une certaine date ils voudront échanger une certaine somme de monnaie contre une autre et à d’autres qui ont une plus grande capacité à encaisser le risque de spéculer. Ces contrats ont d’autant plus de valeur que le sous-jacent est volatile. Vu qu’on a vu le marché gré-à-gré et la bourse, je vais parler des différences entre les deux sur le marché à terme. Sur le marché à terme gré-à-gré, les contrats à terme sont appelés « forwards », vous pouvez les personnaliser comme vous voulez, avec vos prix, vos quantités, vous négociez ça. Cependant, si votre contrepartie fait faillite avant l’exécution du contrat, vous n’avez aucun moyen d’effectuer la transaction et vous n’avez aucun moyen de sortir de ce contrat si vous-mêmes vous avez des difficultés à remplir vos obligations. Si vous êtes un agriculteur qui vend sa récolte de l’année prochaine avec ce type de contrat, vous avez intérêt à faire en sorte que vous produisez assez pour l’exécuter ou que vous pouvez acheter ce qui vous manque si vous n’y parvenez pas le jour de la livraison. Sur le marché à terme en bourse c’est un peu différent, ici les prix, les quantités, les obligations contractuelles et modalités de livraison sont fixés à l’avance par l’offre et la demande et ne sont pas négociables, avec ce qu’on appelle les contrats « futures ». L’avantage des futures est que si vous pensez qu’il y a un risque que vous ne puissiez apporter votre partie du contrat (le capital ou l’actif), vous pouvez vous dégager de votre obligation contractuelle en cédant votre position à quelqu’un en capacité de le faire – si vous avez de la chance, plus de participants pourront exécuter votre position maintenant, ce qui normalement devrait rendre votre position attirante et on vous achètera votre contrat. Si au contraire, nombre comme vous ne peuvent exécuter ce contrat (mauvaises récoltes à cause de la météo par exemple), vous aurez du mal à le céder et vous serez peut-être obligé de payer quelqu’un pour qu’il l’exécute à votre place. Par ailleurs, les participants sont obligés d’avoir un apport en capital pour rentrer dans un future et si par hasard votre contrepartie fait faillite, la chambre de compensation (ou clearing house) vous remboursera, ce qui élimine le risque de contrepartie. Autre particularité du contrat à terme, vous pouvez conserver la rente de votre actif tant que la date d’exécution n’est pas venue, mais vous devez toujours payer les frais de stockage, livraison ou autres, ce qui est bien sûr pris en compte dans le prix.
Le marché des dérivés est vraiment là où le risque est transféré et manipulé. Ici on échange ce qu’on appelle des options/warrants, des contrats d’échange (swaps), des pensions livrées (repurchase agreements ou « repo »), les couvertures de défaillance (credit default swaps, CDS) entre autres. N’ayez crainte on va attaquer chacun de ces termes. D’abord, sur le marché des dérivés en bourse on a les options dite « vanilla ». Une option, contrairement à un contrat à terme, donne le droit et non l’obligation, d’acheter ou de vendre un actif à un moment donné à un prix donné et on effectue une transaction financière pour rentrer dans ce contrat, proportionnelle au risque que transféré d’une partie à l’autre. Le droit d’acheter l’actif est appelé « call » et le droit de le vendre est appelé « put », le prix convenu est appelé « strike price ». Si le jour venu votre strike price est plus intéressante que le prix de l’actif à ce moment-là, on dit que votre option est « in the money » (ITM), si votre option est moins intéressante on dit qu’elle est « out of the money » (OTM) et si elle est aussi intéressante que le prix actuel, on dit qu’elle est « at the money » (ATM). Si votre option vous donne seulement la possibilité d’exercer votre droit à une date donnée, on dit qu’elle est de style européen, si vous pouvez l’exercer à n’importe quel moment jusqu’à la date convenue on dit qu’elle est de style américain. Plus le prix de l’actif sous-jacent est volatile, et plus il est facile d’exercer l’option (par exemple si elle est de style américain), plus il y a de fortes chances que l’option soit in-the-money, plus la valeur de l’option augmente, car le détenteur transmet beaucoup de risque à sa contrepartie. Vous trouverez aussi en bourse de commerce des options sur la météo, pour vous protéger en cas de mauvaises récoltes par exemple. L’intérêt de ces options est qu’elles peuvent facilement créer de gros effets de levier étant donné qu’une option vaut typiquement 2-10% de l’actif sous-jacent, puis comme c’est échangé en bourse on peut s’en débarrasser rapidement si on ne peut pas les exercer faute de moyens ou d’actif. Pour les matheux intrigués je conseille en introduction le modèle de Black-Scholes. Sur le marché gré-à-gré on va retrouver tous les contrats divers et variés susmentionnés. Une warrant est une option non-échangeable émise par une banque en série limitée. Ensuite on a les options exotiques, qui sont tout un tas d’options avec des règles particulières. Pour vous donner des exemples on a des options pour échanger des actifs (pourquoi pas du blé contre une action Google ?), les options style asiatique qui vous donnent le droit d’acheter un actif à son prix moyen sur une période donnée (pour vous protéger de la volatilité) ou les options style parisiennes qu’on ne peut exercer que si le prix du sous-jacent est dans certains clous pendant une certaine période (pour vous protéger de la manipulation des cours). Le swap ou contrat d’échange est quand deux parties se mettent d’accord pour faire plusieurs contrats à terme à répétition, nous allons en voir des exemples plus tard. Je m'attarde un peu sur le repo car c'est très discuté dans les actualités récemment. J'y ai fait référence dans mon post sur la monnaie. Un repo est une transaction spot (actif contre capital) plus un contrat forward pour que l'actif soit racheté à une période future. C'est une façon pour une institution financière d'emprunter de l'argent à une autre (souvent pour une très courte période, parfois 24h), comme la banque centrale, sans que l'autre partie ne prenne quelconque risque, tant est que l'actif échangé soit fiable, comme un bon du trésor. La banque centrale injecte des liquidités temporairement, elles reviennent dans ses coffres le jour suivant. Ce n'est pas comme le Quantitative Easing où l'actif est définitivement acheté par la banque centrale et l'argent est injecté durablement dans le système. La banque centrale fait des repo pour imposer pratiquement par la force les taux qu'elle veut transmettre au reste de l'économie, surtout lorsque les banques commerciales ne se font plus confiance et font grimper leurs taux au-delà des limites définies par la banque centrale. Les couvertures de défaillance servent à rembourser les détenteurs d'obligations lorsque l'entreprise sous-jacente fait défaut (c'est un contrat d'assurance).
Synthèse de l'organisation et de la classification des marchés
D – Les marchés selon les types d’actifs
Le marché monétaire (que j’ai couvert en détail dans mon post précédent) est le marché où les liquidités excédentaires sont prêtées pour une période courte aux entreprises, particuliers ou Etats qui en ont besoin, moyennant une rente nommée intérêt. je vous renvoie à mon post sur le sujet
Le marché de la dette long-terme est là où se financent les participants qui veulent des fonds pour une période supérieure à deux ans, moyennant intérêts. On appelle le marché où s’échange entre investisseurs la dette long-terme le marché obligataire. On a des obligations de différents types en fonction des intérêts versés ou des options attachées à l'obligation. Une obligation a un principal et un coupon (l'intérêt versé périodiquement). Une obligation sans coupon est un zéro-coupon et au lieu de verser un intérêt, on prête initialement une somme au débiteur qui est inférieure au principal qu'il doit rendre à la fin du contrat. Le principal peut être remboursé progressivement comme pour une dette immobilière (amortissement) ou en totalité d'un coup à la fin du contrat (bullet bond). Le coupon peut être à taux fixe ou variable. Si c'est variable ce sera en général le LIBOR + une petite prime de risque/liquidité ou bien une grosse prime - le LIBOR. Comme on peut revendre des obligations sur le marché secondaire, leur prix va varier en fonction du risque que le débiteur fasse défaut et des taux. Si les taux en vigueur aujourd'hui sont meilleurs que celui de votre obligation, sa valeur relative décroît. C'est pour cela que les obligations d'Etat ont un risque de prix sur le marché secondaire et ne sont pas sans risque, le risque de défaut n'est pas le seul risque d'une obligation. Une des propriétés vertueuses des obligations est la convexité, en termes simples, une obligation peut plus facilement prendre de la valeur si les taux baissent, qu'elle ne peut en perdre si les taux augmentent. On trouvera sur le marché des dérivés des couvertures de défaillance (CDS), des repo et des swaps pour échanger des taux fixes contre des taux variables, ainsi que des mortgage-backed-securities (MBS) qui regroupent de nombreux crédits immobiliers d'une banque régionale ou des collateralized-debt-obligations (CDO) qui regroupent des crédits et d'autres instruments financiers pour produire un actif complexe avec un risque personnalisé (souvent très élevé). Ce sont les CDO, les MBS et les CDS qui ont causé la crise de 2008 comme les agences de notation n'ont pas fait leur rôle et ont sous-estimé le risque de ces produits.
Le marché action est le marché où s’échangent les parts des entreprises. Une action représente la valeur résiduelle des profits (ou de la liquidation) d’une entreprise une fois que tous les créanciers (l’Etat compris) sont payés. Certaines actions ont des droits de votes, d’autres non. Elles versent une rente appelée dividendes, qui sont variables en fonction des résultats de l’entreprise ainsi que de ses besoins en capital. Une définition alternative d’une action est une dette à durée indéterminée/illimitée. En bourse on va calculer la valeur intrinsèque de l'action en faisant la somme des dividendes futurs qu'on espère plus le prix de cession espéré divisisés par un taux qui représente le risque de l'investissement et le retour minimum qu'on attend en échange. Alternativement on calcule la valeur liquidative des actifs de l'entreprise moins sa dette si on pense qu'elle va faire faillite. Plus un dividende est éloigné dans le temps, moins il comptera dans la valeur intrinsèque, puis si l'on estime que le risque est élevé, les dividendes lointains ne comptent quasiment pas. Si on pense que le marché est efficace, deux autres méthodes populaires existent, la première est appelée les multiples. En gros on regarde les entreprises comparables et on calcule ler prix divisés par leurs revenus par exemple, puis on multiplie les revenus de l'entreprise qu'on analyse par ces multiples pour avoir une idée de sa valorisation relative. Sinon, on regarde à quel point l'action varie en même temps que le restedu marché. Si l'action varie moins fortement que le marché, on lui donne une valeur plus grande, inversement si elle varie plus fortement on baisse sa valeur car on considère que c'est une action risquée. Hors bourse, il y a plusieurs méthodes. Si l'entreprise est toute nouvelle on va surtout valoriser la compétence des entrepreneurs pour estimer le risque, si l'entreprise gagne déjà de l'argent mais ne verse pas de dividendes on va regarder ses flux de trésorerie et son EBITDA. On classifie les actions en fonction des secteurs industriels, du prix par rapport aux revenus nets, flux de trésorerie et aux dividendes (Value et Growth) ainsi qu'en fonction de leur capitalisation boursière. On trouvera ici nos options, mais aussi des indices boursiers qui font la moyenne des rendements (en terme de prix et de dividendes) d'un groupe d'actions, soit à part égale pour chaque entreprise, soit pondérée par leur capitalisation boursière ou leurs prix par action individuelle. Ces indices sont suivis par des fonds indiciels, qui peuvent être soit des fonds mutuels (achetés en gré-à-gré) ou des ETF (achetés en bourse/courtiers). On trouvera ici nos options, nos warrants, des equity swaps (échange de dividendes par exemple) ou des total return swaps (pour les ETF synthétiques, voir mon post sur le sujet).
On notera que le marché action et le marché obligataire forment le marché dit des capitaux.
Le marché des changes (Foreign Exchange ou tout simplement ForEx en anglais) est le marché qui fait jonction entre les différentes économies et permet de convertir une monnaie en une autre – la monnaie ne verse pas de rente mais est sujette à l’inflation/déflation de l’économie qu’elle représente. L’offre et la demande d’une monnaie est déterminée par l’attractivité de l’économie – si beaucoup d’investisseurs étrangers veulent y investir, la demande pour la monnaie va croître et sa valeur relative va s’apprécier, ou bien si des ressortissants d'un pays veulent renvoyer des liquidités chez eux. Alternativement certaines monnaies sont fixées à d’autres monnaies ou, rarement aujourd’hui, fluctuent en fonction du prix de certaines matières premières et de la quantité d'icelles possédée par la banque centrale par rapport à la demande de la monnaie. Dans le cas des cryptomonnaies, en plus de la demande et l'offre de monnaie, on valorise aussi la qualité des services, la capacité de calcul allouée et coût pour effectuer les transactions. Ici on peut faire des swaps de monnaie, en gros simuler le coût d'un échange de monnaie sans s'échanger réellement la monnaie. Ca permet de couvrir le risque de change sans passer par le marché classique.
Le marché alternatif est composé de plusieurs marchés comme le marché des matières premières (représenté par les bourses de commerce) où s’échangent métaux précieux, l'énergie, le pétrole et blé entre autres, le marché des fonds d’investissement à stratégies alternatives type private equity/venture capital/hedge fund avec des stratégies impossibles à réaliser pour des particuliers seuls, le marché de l’immobilier – où la rente est appelée loyer, le marché des œuvres d’art, du vin et j’en passe et des meilleurs. Sur les matières premières on va aussi trouver des indices de prix (commodity indexes), des futures sur l'or, des options sur la météo et des forwards sur des matières exotiques. L'immobilier est classé en plusieurs catégories comme le résidentiel, le commercial et les bureaux, les actifs peuvent être détenus en direct ou à travers des fonds privés ou cotés.
En résumé
Voilà une synthèse de la finance aujourd'hui. J'ai omis des sujets comme la FinTech car cela sort du propos, mais, tant est que la modération l'accepte, je vais publier une brève histoire de la finance qui comprendra cela. J'ai fait exprès d'aborder certains sujets sans trop les creuser, notamment les bulles financières, car je préfère répondre à des questions précises plutôt que de me lancer dans une explication qui va perdre tout le monde. Je n'ai pas eu le temps de faire tous les graphiques et schémas que je voulais mais si vous en voulez en particulier ce sera avec plaisir. Si vous voulez des sources pour des éléments particuliers hésitez pas, j'ai toute une bibliographie d'articles et de livres. Merci à ceux qui m'ont encouragé à écrire ce post.
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