Best Alberta Gambling Sites (2021) - Best Places to Play
Best Alberta Gambling Sites (2021) - Best Places to Play
Gambling places canada - New Zealand Showhomes
Canada Casinos & Gambling - World Casino Directory
10 Best Casinos In Canada That Will Make You Go Crazy!
Top 10 Online Canada Sports Betting Sites 2021 & Sportsbooks
Canada Gambling Sites - Best Gambling Websites for
Gambling Places Link Home page | GPLink
Online Gambling in Canada - Best Canadian Gambling Sites
Online Gambling: Top Online Casinos for Canadian Players
Top 10 Sports Betting Sites in Canada 2021 - Online Sports
gambling places canada
gambling places canada - win
Videos by Category: M/ F Spanking. Welcome to Wife Bestiality Place For Free Zoosex Movies Gambling age canada niagara falls, mature content ganondorf galleries. Jack black high fidelity lets get it on, linelle chatroulette sexy in Wellington. Looking to have fun and please tonight in Linz, ...
Scat Piss Tube Poo, Pee Videos. Mirra I search for a man Crown casino christmas decorations 2016, el mundo Sirens esta repleto de amor. Putas chinas en Fresnillo de Trujano, maar dan is de kans dat je niet stuk gaat veel kleiner. Windsor casino canada gambling age, once all the bets are placed. ...
Meetings attended by people from the US, Canada, England, Ireland, Turkey, Northern Cyprus, Poland and Western Australia don’t just take place at the U.N. They occur online with members of our Problem Gambling Support Group! Third meeting coming soon!
Dear Reddit. I have started writing a book of short stories about my life as a hobo. True to my nature of blowing money faster than it came, or blowing the opportunity of even making it, I love you assholes and will let you read the book for free as I write it from the beginning. Enjoy
Chapter One: Bozeman or Bust (lots of bust) I had done it once again, like so many other years before, by traveling north to one of the harshest and coldest states that a hobo could possibly go to during the dead of winter, late-January 2021: Mon-fucking-tana. Or as the locals jokingly say, "Montucky". (edit: Shout-out to Montucky Cold Snacks, the cheap horse-piss watered down beer that is Montana's equivalent of Washington's "Rainier Ale" or Oregon's "Session Lager"). I digress. If I was a goose, I'd surely be the Jonathan Livingston Seagull of the flock…the black sheep shitshow of a goose flying in the completely wrong direction at the worst time of the year. As forementioned, this was not the first time, nor second time, that I've done this. In fact, it's become a habit, if not straight-up routine. Laramie, Wyoming circa November 2016. Glendive, Montana circa January 2015 Minot, North Dakota circa January 2014. Yukon, Canada circa November 2013. Bellingham, Washington circa January 2006. The list goes on, and on, and on… And here I am. Bozeman Fucking Montana, circa January-February 2021. The locals say it's an unusually warm winter, which by Montana's standards might include 5 inches of snow in the afternoon and temperatures dropping below 10F degrees at night. However, according to the high standards of a low-class hobo born and raised on the Gulf Coast of Alabama, this weather is colder than a witches tit. Now, that's not to say that I ain't prepared though. I assure you that I am. Sixteen years of living on the road and rails has made this black goose a well-seasoned bird, with all the trimmings. I have a military sleeping bag that can keep me alive down to negative 30 temperatures. My military backpack is waterproof, and so are the snowboarding pants that I wear under my insulated Carharrt overalls. I have alpaca wool thermal pants, merino wool socks, thermolite waterproof boots, thinsulated gloves, and several wool and polyster beanie hats. My dual-layer mountaineering tent can withstand hurricane-force winds and all the snow that a blizzard can muster. Winter? Montana? Bring it bitch. Hit me with your best shot. You know I like it. wink Sigh. However, DESPITE the freezing temperatures and shit tons of snow, there's a lil secret that I've learned during my many years of traveling, and that secret is certainly DUE to these wintery conditions: Jobs! Lots and lots and lots and lots of jobs! Jobs here, jobs there, jobs every-fucking-where. Hotel jobs, restaurant jobs, retail jobs, construction jobs, maintenance jobs, driving jobs, even jobs just to help other people get more damn jobs! You want a job during winter? Well they got jobs out northern Californie way, Oregonie way, Montanie way, Washingtonie way, North and South Dakotie way, and every which way can go above above the Mason-Dixon line! If you can't find a damn job in the Northwestern United States of America during winter, you ain't fucking looking, and that's a fact. If you got one arm and you can swing a hammer, or punch a number on a cash register, then consider yourself hired on the spot and you can start today. Before this chapter turns into an entire damn book of its own (A Hobo's Guide to Finding Jobs) let's get back to the story here: Bozeman or Bust. As I begin this chapter, I have a red-wine hangover that is enough to drive me to a bullet in the head. I made a pot of coffee only to puke it back up on my hands and knees in front the porcelain thrown. I think it was good ole Earnest Hemingway that once said "Write Drunk, Edit Sober". Experienced words of wisdom from a fine man that knew everything a man could possibly know about drinking shit tons of wine and writing shit tons of stories. I wouldn't be lying if I was to confess that Mr. Hemingway, along with Mr. Steinbeck and Mr. Twain, are drunken heroes of mine that I could only hope someday to sit alongside in the bookstores of Hell and Hades with a gallon of cheap Merlot. Salut, gentleman. After puking, rolling cigarettes, drinking coffee, and puking several times more, I was finally able to sit down to try and remember what-the-fuck happened yesterday; a solemn meditation technique that involves tons of coffee and contemplation; a time to worship the asinine achievements that are accompanied in both rejoice and regret. Yesterday started off sober as a saint. I had a job interview at this place I had found on craigslist, some place looking for fresh warm bodies to fill up their production-assembly line. I took a bus to the address they had given me, which ended up being the adress to the Bozeman City Bank. "A bank?", I thought, as I wondered around the parking lot dumbfounded and confused for a solid 5 minutes, checking the address several times on my phone, wondering why on earth I've been sent to a state bank. After circling the parking lot, I noticed a door on the side of the bank that said "Job Choices Employment Services: Second Floor". Godammit. I had been fucking conned. Fucking craigslist. I know what's going on here…this a goddamn employment agency that wants to take 10-15 percent of my paycheck, take away my rights to healthcare and benefits, in the so-called promise of finding me a "great career path of opportunity". Employment agencies. Just like rats. The only "opportunity" here was them: Creatures of opportunity, parasites hellbent on scavaging peoples money and benefits. "A not-even-close-to-great career path of 9-5 slave-labor bullshit involving years of suckling away your mind, body, and spirit", the sign on the door should have read. This was definitely a mistake. And anyone that has ever had the unfortunate pleasure of being with me can you tell one thing about me: I fucking love mistakes. I love making them, and I love learning from them. I am a walking-talking connoisseur of mistakes. In fact, I just made a mistake trying to spell connoisseur, so I asked Google "Hey Google, spell connoisseur", and due to lack of interpreting my Alabama accent, Google made the mistake of showing me the word Coitus. I have now learned that the word "coitus" is another word for sex. As a writer and the son of an English teacher, I love learning new words. As a human male, I love sex. So learning a new word for "sex" is a fantastic trade-off for that fortunate mistake! I digress. I decided to walk into the bank, up the stairs to the second floor, and down the hall to the employment agency. A well-dressed and very sexy debutant by the name of Tracy stood up and greeted me with a smile that was formal, professional, and admittedly very sexy. While my dirty mind started playing cheap porn music, along with vivid images of me and Tracy wrecking that office like wild alleycats, I was suddenly snapped back into reality with Tracy's sexy voice, saying: "Hey, you must be Mr. Huck! Are you here for the 3:00 o'clock interview? Could you please start by filling out this application? You can have a seat over at the desk here"… Godammit. This employment agency was GOOD. I was Tracy's submissive little slut. I walked right where Tracy told me to walk, sat right in the chair Tracy pulled out for me to sit in, and I started filling out the application with the ballpoint pen that Tracy had somehow put in my hand without me even realizing it. Tracy could have stolen my wallet and the 11 dollars inside of it as well, had she wanted to, and I wouldn't have even noticed. And even if I had noticed, I would have let her do it anyway. Godammit! As I started to fill out the application, I got to the section I dreaded most: job references. Oh boy…allow me to tell you a little about Huck's references, or lacktherof: At my last job, I was fired because of a fight that broke-out between my ex-girlfriend and myself, which began with lots of shouting and shoving, and ended with me getting a black-eye from being punched in the face twice. Fun fact: Italian women are fiery as they are fierce, and bold as they are beautiful. And just like their male Italian counterparts, such as Sylvester Stalone or Al Capone, they know how to land a solid right jab. This fight erupted in the worker's dormitory for all employees to hear and see. And although I was the one with the swollen black eye, I was the one they decided to fire. C'est la vie, such is life. Que sera sera, it be what it fucking be. We can scratch that job off as a reference, without a doubt. The job before that, I was at a marijuana farm called "Great American Cannabis", in which my managers and co-workers tried to recruit me into a far-right group of sexist and racist baboons called "The Proud Boys". There was a pre-determining factor in why that farm had hired me, and assumed I would be interested in their idealogical gang. That pre-determing factor was the very same factor that led Google to teaching me the wrong word and definition: my Alabama accent. Great American Cannabis had hired me based on a phone interview, in which they assumed my southern accent indicated two things, in which case one of their assumptions was right, and one was wrong: Assumption Numero Uno: Huck has an Alabama accent, which therefore indicates that he has years of experience working on farms, growing plants, and being an honest and hard-worker. Assumption Numero Dos: Huck has an Alabama accent, therefore he must be idealogically aligned with far-right beliefs including sexism and racism. Welp, I am proud to say that even that although a 50% winning percentage may be fine and dandy with gambling in Vegas, and can be seen as half full or half empty based on however optimisitic or pessimistic you might be, in the case of Great American Cannabis and The Proud Boys, those odds ended pretty badly. As it turns out, despite being raised by a racist father and surrounded by bigotry in the not-so-sweet home of Alabama, those very dispositions made this black sheep child rebel from such ass-backward beliefs, and I am staunchly pro-civil rights, which means I am pro-immigration, and a proud supporter of the sufferage movement for womens right. Obviously, that did not go very well with my co-workers at the farm, and I was fired within the first month. But wait, theres more tragic humor to the story of this farm, which I'll organize in two keypoints: Keypoint Numero Uno: The farm was owned by Iranian immigrants. I…shit…you…not. That's right. YOU DID READ THAT CORRECTLY. Not only was the farm owned and managed by a minority group of immigrants, those very immigrants came directly from the very country is at the VERY TOP of White-America's shitlist: Iran. Keypoint Numeros Dos: After I was fired based almost entirely according to my leftist and progressive views on race and gender equality, within just a couple of weeks nearly everybody on the farm was fired and replaced by cheaper immigrant labor in the form of Laotian women. That's right…a white-blooded American-born legal-working male, was replaced by brown-blooded, foreign-born, mostly-illegal-working females, on a farm owned and managed by right-wing racists and sexists that were anti-immigration. Once again, I…shit…you…fucking…not...let THAT shit sink in. I literally cannot make this shit up, and let it be forever proof that reality, however tragic or ironic it may be, is far greater than fiction. You can write that last sentence in a letter, shove that puppy in an envelope, slap that bitch with a stamp, and mail it to the fucking MOON. Or you can mail it to Iran, or Laos, whichever you prefer. However, I digress. So, being that I was fired from Great American Cannabis by a bunch of Iranian Proud Boys, you can scratch that job off of the "reference" list as well. Sigh. So, how about the job before that? Well, that's a hell of a story too, but I'll make it quick and cut shorter to the chase: I worked on a fishing boat for a Mormon captain. Although I loved him like a Dad, and he often treated me like a son, my job ended in these words: "Huck, I really like you. You're one of the hardest working deckhands I've ever had, despite it being a very terrible year for fishing. However, as a man that is a Latter Day Saint of God, as a Mormon, I'm going to have to ask you to leave because of three reasons: 1) You smoke cigarettes, marijuana, and drink alcohol and coffee. 2) You curse worse than a sailor. 3) You are an atheist/agnostic." And in case you, the reader did not know: Mormons HATE cigarettes, marijuana, alcohol, AND coffee. They are forbidden to curse, and they are not even allowed to tolerate the company of anyone that isn't a believer in God. Well Godammit. How in the hell am I so goddamn misfortunate and unlucky, to be the must FIRST FUCKING PERSON in the entire HISTORY OF FISHING, that has gotten fired for using curse words and drinking whiskey. I couldn't even absorb the fact that my boss was firing me because I couldn't get over the fact that I was possibly the first sailor or fisherman in all of ocean-faring humanity that had gotten fired for doing what sailors and fisherman are guaranteed and known to do best: drinkin' and cursin' We can also scratch THAT job off the possible reference list as well. It was at this point in the office of Job Choices Bozeman that the porn music had long since stopped playing in my head, and that I suddenly and swiftly fell deeply into a full blown existential crisis right there in Tracy's office while simply trying to think of a single reference from my last 3 jobs. The unbelievable amount of misfortune, tragedy, irony, and utter insanity of my last 3 job experiences had truly started to sink in, and I was beginning to legitimately lose my temporary grasp on sanity along with my faith in humanity altogether in one great, big, sloppy sandwich of existential fucking crisis. Allow me to self-diagnose this existential crisis sandwich by peeling off some of the layers of this enormous stinking onion that is in the middle of it all: Either that curse that was put on me a few years ago by a Mexican trainhopping gypsy from New Orleans is proof that curses are indeed fucking real, or either I am the unluckiest son of a bitch on this entire planet that is so very unlucky that I am slowly (or quickly) coming to the conclusion that this entire life is a simulation that is programmed by some sick comedic asshole that specializes in the tragedies of both irony AND misfortune. And though some people in this world call that programmer God or Allah or Jehovah, I call him Jeff. I call him "Jeff in Programming", with same amount of disdain and hatred that Michael Scott refers to "Toby in Human Resources" in the American version of the show "The Office". (Sidenote: If you do not understand my last reference because you have not watched The Office, then you need to stop reading this book right now, go sign up for one month of Netflix, and spend that entire month binge-watching one of the greatest sitcoms ever made in the history of television: The Office (US Version). Go. Now!) I digress. As I collapsed into a full-blown existential crisis while thinking of job references on the second floor employment services office above Montana State Bank, my fantasy-based relationship with Tracy was also about to crumble into an existential crisis as well, based on two very important qualities: Quality Numero Uno: Tracy and I had no relationship that actually existed outside of my head and a stupid job application form. We had never knocked over all of the filing cabinets, water-cooler, or broken the copying machine with tantric sex. That scenario never existed period. Quality Numeros Dos: I was about to not only lie, but also commit non-existent adultery to Tracy, thus putting a very real end to a not-very-real relationship. I stood up from the desk that me and Tracy had never fucked on, and I told Tracy that I had to use the bathroom. And though I did really have to use the bathroom, it wasn't for the purpose of pissing or taking a shit, it was for the purpose of throwing the application in the toilet and sneaking my way down the hallway and out of the employment agency. In which case, that is precisely what I did. Upon stepping out of the door and back into the parking lot of Bozeman City Bank, I noticed another hot little woman across the street: A dazzling red-headed freckle-faced damsel by the name of Wendy, who promised in her fertile bosom the birth of two-dollar cheeseburgers and loaded baked potatoes. I went inside Wendy's house, and began to have an oral relationship by penetrating my mouth with nearly everything that was offered on Wendy's dollar-value menu. Stop here, acquire coffee, booze, and cigarettes until I feel like writing again, which may be later tonight, tomorrow morning, or possibly fucking never
I've noticed a lot of new people in here asking some obvious questions to those of us who have been around for a while. So to generate new and better discussion I want to answer some of these frequently asked questions.
1. Where can I find information about these companies I hope you haven't bought any of these names before you did research and before you even know where to start looking. First place you should go to is Google and type in " investor relations". If this is too much you can shorten it to " IR". It should be the first link in every case and if it's not then that's already a red flag. Read about the companies products, how they operate. Read their MD&A, read their financial statements from the last few years. Maybe look at product reviews or review the products yourselves. Watch interviews with the CEO. Find out what makes this company unique, operationally effective and worth buying for consumers. You should quickly figure out that APHA is NOT a cannabis company, but a consumer packaged good company. They own Cannabis, Alcohol, and Pharma businesses (plus hemp after the TLRY merger). Doing your DD should take time. Don't be in a rush to buy the stock because it's run up 100% in the past few weeks. If you look at the chart, 2 years ago these companies rocketed upwards to ATHs, you could have waited another year or so and bought lower. Are we taking off to the moon and never coming back? Probably not.
2. Where can I buy these companies? Are they on Robinhood? First, ditch Robinhood a get a broker that won't go under in the next few years. Pay a trading fee if you need to but just buy enough stock to make the tade worth it. Don't buy $20 of Apha on investorline or you're immediately taking a 50% haircut with a $9.95 trading fee. Second, you can buy these companies on most/all legit trading platforms. I won't name them all but all of the big Canadian banks self-directed platforms have them. I'm not American so I can't speak for them but I've heard good things about Fidelity and Vanguard. Oh, did you also mean what exchanges can I buy them on? Big Canadian names are on the major exchanges like TSX and Nasdaq. Smaller names are on the CSE and OTC markets. US names can't list on the big exchanges because your government decided cannabis was bad like 50 yrs ago so those are only on the OTC and CSE markets. MSOs is a fund on the NYSE (I think) that hold some sort of swaps on the US names but I personally just buy the names myself. Again, do you own DD, even if you're buying a fund.
3. This stock went up x% in the last y time, should I buy it or wait for a dip? This ties into point 1 above, so if you've done your DD you should know if the company is worth what it is priced at. The market does wacky shit all the time (see Gamestop, morgage crisis, great depression) so it'll go up and down, but generally follow along the trajectory of the company profits. If the profits increase by 5x in 10 years, the stock price will do the same. If you're asking for predictions in the short term consult a fortune teller, roll dice or find one of those pets that pick stocks.
4. What stocks should I buy? How do you feel about x company? See 1, then 3. I can't tell you what companies are good in the space better than your own research. Especially since you don't know what my plans are. Maybe a poster says buy "Apha" but they're only holding until the TLRY merger closes. They'll never tell you when they're selling so if it drops you'll be scratching your head. Do a bunch of research on the main players, then some smaller guys and figure out what you can stomach. Maybe a cannabis ETF is right for you or maybe 1 or 2 strong picks or maybe you like gambling with penny stocks. Just do your own DD. Popular names and good places to start are:
Canadian names: APHA/TLRY, CGC/WEED, ACB, CRON
US names: CURA, TRUL, CL, GTII
5. Should I buy leaps or warrents or calls or puts? Also what are derivatives? If you have to ask, no. I'm also not going to explain because I don't know either.
6. I bought Gamestop at all time highs and I sold and lost 90%, is cannabis good? No, kindly take your paper hands and go back to WSB. We don't want investors in this space who sell at the first 10% drop after an 100% run, or after a 50% drop from ATHs, or after a short report from some short selling parasites. We hold because this is a once in a lifetime opportunity of a product moving from the illicit market to the legal market. There is no need to build up demand, merely move the consumer from buying from their dealer to our dealer. This will take time, regulatory changes, perception changes and most importantly, your patience.
7. Any small companies you can reccomend? Being a small company in this space comes with distinct disadvantages. Price compression in Canada will kill small/medium sized growers since they can't achieve postive margins without scale. Add in some mould on even 1 harvest and the losses have destroyed your business. On the US side, regulations are weird and vary across different states. Califonia is a dumpster fire, Florida requires you to be vertically integrated, and other states have limited licences for retail and grows. Think about how hard it would be to get a foothold in Florida as a small business. Think about how valuable a licence is in limited licence states. Maybe your small player is looking for licences and gets NONE. That's devastating. Curaleaf misses 1 licence? Not great, but they have other applications in multiple states. If you're buying a small company or penny stock, know the risks and do extra DD. THERE HAVE BEEN COMPANIES THAT ARE FRAUDULENT IN THIS INDUSTRY. COMPANIES HAVE GONE BANKRUPT IN THIS INDUSTRY. Canntrust was legit but had fake walls with more plants behind them. Ignite was run by Dan Bilzerian. YOUR PICKS ARE NOT IMMUNE FROM GOING BANKRUPT. Let me repeat the most important point: THERE HAVE BEEN COMPANIES THAT ARE FRAUDULENT IN THIS SPACE.
8. I wanna buy because of US legalization! When will Cannabis be legalized in the US? Asking for a specific date is dumb and assuming that it's going to pass is dumber. Yes, Democrats control all 3 branches of government and yes, they are more cannabis friendly than Republicans and yes, some Republican states also recently legalized cannabis. THIS DOES NOT MEAN LEGALIZATION WILL PASS THIS YEAR, OR EVEN UNDER THIS CONGRESS OR PRESIDENT. Some Republicans in the house voted for cannabis regulation under Trump and some Democrats voted against it. We have no idea how the senate will vote and it doesn't take many votes to torpedo any legislation. If you know the US Cannabis space right now you'll know that descheduling and getting access to lower tax rates, access to capital and ability to cross state lines are some of the most important regulatory changes that need to happen. Look up the 208e280e tax code. Seriously do it. Full legalization is nice but also unlikely.
If I've missed any questions post them below. and I'll add them.
TL:DR: Do your own DD. Start here:
Canadian names: APHA/TLRY, CGC/WEED, ACB, CRON
US names: CURA, TRUL, CL, GTII
EDIT: Adding in some resources for those who want more. These are my own resources I use/used to get started. If you have resources to share please do so but don't self promote you ding dongs.
Resources New to Investing:
Most people think Warren Buffet is the GOAT but Peter Lynch is also a GOAT in his own right and a better speaker.
People also think you need to read through all of "The Intelligent Investor" before you can start investing but that's bs. Read "One up on Wallstreet" by Peter Lynch. It's like 300 pages shorter and more fun. Then read Intelligent Investor if you want but if you get 20 pages in and fall asleep or feel stupid then I told you so.
Martin Shkreli is an asshat but he knows the finance side of valuing companies. His finance lessons are awesome if you stand him for a few hours at a time. Follow along with your own companies.
Cannabis Resources:
The sidebar has great resources. Stateside cannabis investors(EDIT: Currently down) is awesome for the US side.
The OCS releases a quarterly report you should read for Canada. Hell, go to OCS.ca and see what products are available and prices. Go to the BC page, the quebec page etc...
Statscan has a cannabis hub. It's updated super rarely and it might be archived but it's good to look at to start.
FuboTV DD (First time making DD, please give advice)
I tried to make it easy to skip around if you just want to see the financials or estimates. Just scroll to them if you don't care what the company is or their sectocompetition/management. TL;DR at bottom with final thoughts. Introduction “FuboTV ($FUBO) is an American streaming television service that focuses primarily on channels that distribute live sports, including NFL, MLB, NBA, NHL, MLS and international soccer, plus news, network television series and movies. Launched on January 1, 2015 as a soccer streaming service, FuboTV changed to an all-sports service in 2017 and then to a virtual multichannel video programming distributor (vMVPD) model. As a vMVPD, FuboTV still calls itself sports-first but its expanded channel lineup targets cord cutters, offering a selection of major cable channels and OTT-originated features that can be streamed through smart TVs, mobile and tablets and the web. The service is available in the United States, Canada and Spain as of 2018." From their home page: They are the only competitors in their space of digital sports broadcasting, offer 4K streaming and upscaling of live sports, cloud DVR capability ranging from 250 or 1000 hours on standard plans, and is available on Roku, Apple TV, Amazon Fire TV, Chromecast, Samsung Smart TVs, Xbox One, Android TV, Android Smart TVs, and Android/iOS smartphones and tablets, with plans ranging from $24.99/month to $79.99/month (not including add-ons). They have also recently acquired one company and have made plans to acquire another to allow for in-house sports betting. They have stated in a press release that they plan to release a sportsbook before the end of the year. This will push them into a broader spectrum outside of only TV and sports streaming, and into the sports betting sector along with DraftKings ($DKNG), FanDuel ($PDYPY), and Penn National Gaming ($PENN). Plans and Add-ons FuboTV offers three standardized plans as of February 8, 2021: the Family plan is priced at $64.99/month (normally $75.97/month), Elite at $79.99/month (normally $100.95/month), and Latino Quarterly at $24.99/month, along with offering additional add-ons. Each plan offers a range of channels, cloud DVR capabilities (which allows fast-forwarding through commercials), and casting to multiple devices simultaneously. Only the Elite plan does not offer a 7-day free trial (Channels page). The Family plan includes 117 channels (mostly news and entertainment with roughly 40 that offer sports, including ESPN), up to 250 hours of DVR space, and casting to 3 devices at once. The quarterly prepaid includes a free upgrade to 1000 hours of DVR space and 5 casting devices at home with 3 on the go (Channels page). The Elite plan includes 164 channels (includes an additional “47 entertainment channels”), up to 1000 hours of DVR space, and casting to 5 devices at home with 3 on the go. This plan does not offer a quarterly prepaid (Channels page). The Latino Quarterly plan includes 250 hours of DVR space and can be streamed on up to 3 devices at once, but only has 32 channels. This plan needs to be prepaid every 3 months for a total charge of $74.97 and does not offer a monthly service (Channels page). Upgrades include additional DVR space--1000 hours for an additional $6.99/month for the Family and Latino Quarterly--and increased device casting--an additional 2 devices at home with 3 on the go for another $9.99/month for the Family and Latino Quarterly plans. You can also add a variety of channels and sports packages (the Latino Quarterly has fewer channel add-ons compared to the Family and Elite plans, which both have the same channel varieties). Sports Plus with NFL RedZone is an additional $10.99/month, but includes all professional and college sports broadcasting services for football, basketball, baseball, hockey, tennis, fighting, etc. (Channels page). Fubo has recently removed its former Standard plan, which included only 65 channels, up to 2 casting devices, and only 30 hours of DVR support for $60/month. Financials and Growth Fubo has yet to file an annual report as they have gone public in October of 2020, but they have filed a 10-Q for Q3 2020. All numbers in thousands. Assets- Between December 31, 2019 and September of 2020, assets have increased from $368,225 to $799,313 (a 117% increase) . Total current assets increased from $17,973 to $58,016, but accounts receivable decreased from $8,904 to $6,975--this may be attributed to the increase in prepaid subscriptions which increased from $1,445 to $12,177 which shows strong customer satisfaction and retention. Liabilities- Liabilities have increased from $145,049 to $290,376 (a 100% increase). The largest contributors to their liabilities are “Due to related parties” increasing from $665 to $85,847, “Warrant liabilities” increasing from $24 to $28,085, and “Accounts payable” from $36,373 to $61,679. Long-term borrowings have decreased from $43,982 to $25,905. Revenues- Subscription revenues increased by $53,433, totaling $92,945 for the year. Total revenues including advertisements and licensing have increased by $61,202, totaling $112,669 for the year and an increase of 47% YOY. Q4 revenue is estimated to be between $94,000 and $98,000 which would be a 77-84% increase YOY. Expenses- Subscriber related expenses total $114,315 for the year. Total expenses have totaled $500,249 for the year. Subscribers- Ended Q3 with 455,000 paid subscribers, a YOY increase of 58%, and plans to end 2020 with over 545,000, an increase of 72% YOY. Competition Its closest competitors are Hulu + Live TV (owned by Disney ($DIS)), YouTube TV (owned by Alphabet ($GOOG)), and Sling TV (owned by Dish Network ($DISH)). Hulu + Live TV
Includes league networks
50 hours of free DVR (200 hours for $9.99/month)
More than 74 channels
Unskippable ads on DVR without upgrade to 200 hours
2 streams at a time
$64.99/month
Can add ESPN+ and Disney+ for an additional $7/month
YouTube TV
Includes league networks
Unlimited DVR storage
More than 85 channels plus YouTube Red Originals
3 streams at a time
Sports Plus package for an additional $10.99/month
NBA LeaguePass for an additional $40/month or $119.99 annually
Starting at $64.99/month
Sling TV Blue
Includes league networks
DVR up to 50 hours (200 hours for $5/month)
More than 45 channels
3 streams at a time
Sports Extra package for an additional $11/month
Starting $35/month
Can be combined with Sling TV Orange for a total of $50/month
Sling TV Orange
Includes league networks
DVR up to 50 hours (200 hours for $5/month)
More than 30 channels
1 stream at a time
Sports Extra package for an additional $11/month
Starting at $35/month
Can be combined with Sling TV Blue for a total of $50/month
Merger with FaceBank for $100 million revolving credit
Analysts and Estimates Average analyst ratings put Fubo at a Buy to Strong Buy rating with an average price target of $45.50 with a high of $60 and a low of $30. EPS estimates are estimated to be -5.23 for 2020 and -1.64 for 2021. Currently has a short float of about 75%, but the short volume has been holding at roughly 15-20% over the last month and has drastically declined from its October short volume of over 50%. Originally valued at $700 million less than a year ago, a current valuation of $3.19 billion is respectable for this company and is on par for its current performance. Risks
Marketing fails and Fubo is never known as a household name, so consumers stick with other more known providers
Their sportsbook fails and becomes dead weight and wasted money
Subscriber count and streaming drops as quarantine lifts, reducing revenues while maintaining expenses
Consumers opt for cheaper options
People paying for the sports package cancel when the season is over, creating a boom and bust cycle if not managed correctly
Final Thoughts / TL;DR With its drastic growth over the last year (400% in the last 4 months), support from FaceBank and well-known investors, and plans to join the sports betting sector, FuboTV has potential to become a household name and grow well beyond its current valuation by combining both sports broadcasting and online sports betting into one convenient place. Although unlikely to overthrow any of the current forces, it can become the best live sports broadcaster that people can turn to when they cut cable but want to keep live sports. It has many hurdles to overcome (creating their sportsbook, better marketing, increasing subscriber count, etc.) before it is any real competition to its already established competition. At a $3.19 billion market cap and very high (75%) short interest, it will be very difficult to realize consistent growth, but it is on par for a company with almost $100 million in revenue. My Position 25 shares at $47.30 Edit: edited final thoughts/TL;DR Please provide feedback! First time actually researching and compiling information for a company and not just reading about them on here. Also, please ask questions to clear up any confusion; it was kinda hard to put everything together neatly, so I might have accidentally left stuff out or oveunder explained some things.
Megathread: President Donald Trump announces he has tested positive for Coronavirus | Part II
President Donald Trump announced he and First Lady Melania Trump had tested positive for the virus and will begin their quarantine and recovery process immediately. The news comes after it was announced that close presidential aide Hope Hicks tested positive Wednesday evening. Megathread Part I
I debated making this post for awhile because I normally just comment in replies to other things. But someone came across an old post and thought I should share directly, particularly given the influx of homeless discussion. I'm a homeless person in the area. I lived on paid campgrounds in the region when the weather was nicer and now when I have the cash, I stay in motels. So I'm not someone on the lawn, chopping up bikes (I actually sold mine for $50 to pay for another room night) I'm a nobody and you've probably stood in line next to me and had no idea I was homeless because I do everything in my power to keep it together. But I cry a lot and the longer this goes on, the more difficult it is to climb out of because literally everything in society is working against you and I don't think many people realize the logistics of how difficult homelessness can be. I lost my job literally the week after the NBA shut down. For what it's worth, my former boss got a six figure PPP loan (it was on ProPublica which is how I found out) and I haven't heard from them since. Other than when I had to fight some reporting stuff that they messed up. The shitty thing too is, the company made multiple millions of dollars. Still in business. Still operating btw. Anyway... I was raised in foster care, so I don't have a family to run to when times get tough. All of my IRL friends live in Canada and I was actually in the IEC working visa pool and hoping to go over, get work experience, make connections, and eventually immigrate there permanently. My friends there are like my family, but there's nothing they can do to bring me over because we aren't blood related and they can send me some money but the exchange rate sucks and so do all the exchange fees. They really just don't know how this country just lets people struggle. But the pool suspended draws in March and at the end of last year, they fully closed it out. There hasn't been any announcement on if they'll ever bring it back and jesus christ I feel so fucked. So, I want to explain how people end up in situations like mine. I was on a short term lease and it didn't get renewed. It was probably for the better anyway because my former roommate was talking about stabbing Jews like Soros to end the pandemic. (I'm Jewish.) Oh and she owns a business in town. That was early on in the pandemic when I lost my previous place and I thought honestly this would be over by summer, my job would ask me back and it wouldn't be an issue, so I rented airbnbs even though they were pricey. I don't think many people thought this would all go on as long as it did either. Then I had car issues (tires balded completely, brakes, rotors, and tired rods iirc? I needed a whole lot of shit done.) Then I got really sick too and medical bills were an arm and leg. I was applying to places to live and my credit was going to obviously get dinged with maxing out credit cards and having unpaid medical bills would just obviously make me a shitty candidate to rent to. But through June I tried applying to places. But those are hard credit pulls and I did...a number of them over 2-3 months to try my damndest. However, I can't get approved for housing because I'm unemployed and have been unemployed for months. I don't make enough from sex work other than to cover some nights nor is that a viable "job" to most people. I don't have a WA cosigner, hell I don't have ANY cosigner that lives in America, so that takes me out of the running of the vast vast majority of places. And not only that, a number of landlords would only take me if I could pay something like $5k or pay the full amount of the lease upfront. One woman almost rented a room to me, but I have now no "recent" landlord for them to reference and call. When I explained to her I was living in a motel, she called me homeless scum looking for a place to do drugs. One of my friends tried to "act" as a former landlord, but they looked up property records and he wanted to arrest me for fraud. I was just desperate for a place to live (and I want to share this story too because a lot of people make VERY VERY VERY bad suggestions to homeless people.) I don't even drink in this goddamn state full of craft breweries. I don't like NOT having my wits about me. So no, I'm not some tweaker that does drugs. I also cannot fucking stand the smell of marijuana. I'm a lame ass square. But it doesn't matter because every single stereotype is what you are when you are homeless. You can't rent a room without having CURRENT employment THAT PAYS THE RENT. So a part time, 10 hour a week gig at $15 McD's won't qualify you for housing. I don't know what is so difficult about understanding that but people really seem to struggle with that. You need to make at least 3-4x to qualify for anything, including just a bedroom. And? You can't rent without RECENT landlord to reference. It's one of the several sneaky requirements they throw in there in order to make it damn near impossible for someone who is homeless to get permanent housing. Mentally, it's all a constant waking nightmare. I have to try to figure out the best prices on places to stay, I have to make lots of calls, I apply for aid, I have to stay warm, I have to try to sleep, I have to try to promote my sex work, I have to try to think if there's any future for me. It's exhausting. "Now you're wondering why not go to the shelter?" I did one night and I had to fight off assault. I know another girl who was raped and she attempted suicide and had to be committed. PLEASE stop thinking this shit doesn't happen in this town just because your homes cost half a million fucking dollars. Most people may not also understand the restrictions or lack of dignity that occurs at a lot of shelters. Some shelters force you to change into scrubs they provide, so it feels like prison. You can't keep your stuff on you. It's very time restrictive, so if you are working later than the entry time, you're totally fucked. Or if you need to go to work, you can also be fucked for violating the rules. It's also just full of people who are screaming at night from the mental anguish this shit leaves you in. It's literally sleeping among nightmares. A lot of aid in town and in general, America, is run by churches or "loosely affiliated religious organizations". I have been point blank asked to convert in order to get help. I'm ethnically Jewish and I dunno how they can't quite get that I can't exactly convert into a new ethnicity. The synagogue in this county has been closed and offers zero aid or help. Also LOTS of charities focus strictly on families and there is also one in town for young adults (under 24.) While I understand that's important, there isn't a lot of help for people like me in their mid-30s or who are single. "Why not apply for affordable housing?" Well, most people don't even know that the waiting lists are closed for 1 bedrooms. The list is 5-10+ y e a r s long. Many people have probably never visited it, despite constantly suggesting it to me: https://bellinghamhousing.org/home/applicants/open-waitlist/ go ahead and tell me what's open and what's closed. And that's the waiting list- that's not even you getting housing tomorrow. "You must make a lot sex working!" 90% of OnlyFans accounts make under $50 a month. It's not the money maker you think it is, earning even $100 is hard work. Processors take huge chunks of earnings, then you have transfer fees, and yeah it's a lot to be desired. There's also the mental toll it can take. Also, I'm not a hot young college thing, I have a specific niche and it doesn't really pay. So just a few other things, especially as it concerns food:
Not every motel, especially the cheap ones, have rooms with microwaves or fridges. Or they don't work. If you're on a campground, you can't use perishables without ice, a freezer and that has to be constantly maintained.
EBT doesn't cover warm or prepared food or "anything intended to be eaten in the store".
I won't accept food handed to me where I didn't purchase it or it didn't come from a verified place. ESPECIALLY HOMEMADE FOOD. Please, PLEASE reconsider this (I know there is meal train and that might be different, but I'm talking just generally.) I'd actually avoid handing food directly to a homeless person. You have ZERO idea of their allergies or medical conditions. I have NO IDEA if you poisoned it. Now you might laugh, but given the way people who are supposed to be helping have treated me, I really, really can't afford to trust strangers.
Also, I'm wary of the free pantries. Why? Again, because people tamper with food.
YOU may be well-intentioned, but enough people aren't.
I routinely have gotten rotten produce in my food bank box, I can send you fun pics. Point is, most of the stuff is on its last legs or has no legs at all. I have gotten fully molded loaves of bread and I honestly couldn't even eat after seeing it.
PLEASE stop donating your expired goods to the food bank.
PLEASE do not donate UNSEALED things to the food bank. Like your hot chocolate mix in a tin from 2014.
Please donate jams, jellies, honey, and spices because 1) plain beans and rice sucks and 2) surviving on peanut butter sucks and every person struggling right now will tell you some jam would be nice.
People want to help and I get that. And you're like "goddammit what can I do?" Just hand people money. Just give people the dignity that they know how to prioritize their needs. Research continually bares this out: https://www.cnn.com/2020/10/09/americas/direct-giving-homeless-people-vancouver-trnd/index.html Don't give me coats, I have one. The one you gave me probably won't fit or if I'm allergic to wool, I will have no use for it. (I'm not allergic to wool, but people are!) Don't give me things I haven't asked for in general. Someone send me a PM saying they have a twin bed I could have. Uh, I have a bed in storage, no thanks. They called me a cunt and told me to kill myself. Don't hand me lotto tickets. Most scratch offs are loser tickets and then it looks like I'm wasting my money on gambling. You also have no idea who might have be struggling with or recovering from a gambling addiction. Don't donate your trash and expect me to grateful. You gave me the work of throwing away your garbage and reminding me that's all I am to you and the community. Don't bitch about homelessness and in the same breath fight Section 8 or assume shit about housing vouchers. If you're a landlord in this town, maybe you ought to accept vouchers and actually try to be a force for good. Or bitch about how minimum wage is too high. It ain't high enough. Don't send me a PM saying you have a room for me to stay in or will "take me out on a date" to get me food. That's taking advantage of someone. That's also really fucking unsafe. If you do allow homeless and jobless people a place to stay, put that on your facebook or craigslist ad publicly or respond back when someone does explain their situation. (Note: and while I sex work, I'm not an in/outcall worker or an escort. I'm not going to have sex with you or put myself in an incredibly dangerous situation.) Don't criticize people who are homeless who are trying to tell you what they actually need- you do not know their needs. Please stop assuming you do. You can encourage groups to just give straight cash grants. If you absolutely are committed to give giftcards, do them for useful places like Target, Walmart, grocery stores, etc. where someone can buy toiletries, clothing, etc. Don't send me a $5 giftcard to like Cabela's. The closest one is a drive away and what can I do with that? I would spend more in gas to get to one. In the same vein, someone offered me a giftcard to like a steakhouse in Seattle. I hope you can understand how those aren't useful. You can also hold your church, your preferred charity org, etc. ACCOUNTABLE. Actually look what they require of applicants for aid, ask them for how they advertise to the public and what their outreach is, ask how much is going to people, demand transparency. "Okay, so I want to give to United Way--" Wait. Stop. PLEASE understand that United Way is a passthrough organization. It's a middle man. They just help fund other charities and they obviously skim off the top as "operating expenses". Likewise, I saw here and on facebook lots of folks donating to Whatcom Community Foundation. They also do not provide any direct aid. It's also a middle man. Listen, I understand they fund a few scholarships and help promote nonprofits and I'm NOT saying it's bad or the worst idea ever, but if we are talking about the most direct, most efficient, and most bang for your buck, just hand your dollars to people struggling. Hand me $5 and that can go towards my storage unit or cell phone bill or private mailbox or gas or insurance. It can go towards supplements, it can go towards getting a warm cup of soup, or it can go towards another night of a safe warm place to stay. Other sex workers, my friends in Canada, and a couple nice souls on reddit who have helped via paypal/cashapp/venmo? That's been THE reason I've stayed afloat, it's the been THE reason I can stand next to you in line at Target and I don't reek of piss because I was able to actually have a real shower. It has NOT been because of nonprofit organizations. I think it's really important for people to understand that some bills, some bad luck, and some pandemic fuckery can easily spiral your life into daily struggling and homelessness. It's not easy to move and most of our safety net requires you to have a robust social network. I hope one day I can migrate to Canada, but now I need to resave thousands of dollars to qualify for any visa and to be brutal with you, my chances of achieving that dream and being able to have a real life again are very slim. I'll soon age out of IEC Working Holiday visa and I simply don't have tens of thousands of dollars to pay for graduate school as an alternate way in. It's a hard road ahead for me to get through until I can even get the vaccine. My hope in sharing this lengthy long diatribe is that it causes you to think and critique the institutions we have. Please think about how you can truly help and what that looks like in action. Not everyone's struggles are the same, especially not everyone's homeless struggles, but thank you for reading mine. Edit: Thank you again for reading this and really taking it to heart, I really appreciate the kindness and gratitude show. I honestly didn't think anyone would even read this. If anyone else is homeless or struggling or on the verge, I don't take any mind to you sharing your story too and please feel free to just send me a message that this sucks and I'm here to listen to bitching because lordy I get it. xo
I have seen (TSX: FIRE) (OTCQX: SPRWF) get a lot of hype the last few days. It has been the second most actively traded stock on the TSX in the last ten days. They also have a ticker that is literally 🔥 and a brand name that is ultimately supreme. I couldn’t think of a bettedouchier name and ticket for a Cannabis company.
Now the question is, should we buy into the hype?
First, what is $FIRE? $FIRE = the Supreme Cannabis Company produces marijuana under the banner of its wholly-owned subsidiary 7 Acres. They have a 440,000 square Cultivation facility. They also claim to have a robust R&D and genetics program, advance processing and automated packaging capabilities, and is Health Canada licensed for the sale of cannabis 2.0 products. They claim they have emerged as one of the world’s fastest-growing, premium plant driven-lifestyle company by effectively deploying capital to build a diversified portfolio of successful cannabis brands. I personally feel like every Cannabis company says the same thing so that’s nothing new. Long story short, Supreme grow and hold Cannabis supplies their partners who produce specific products. Their partners are 7Acres, Blissco, Truverra, Sugar Leaf and Hiway (see picture below). In FY2020, Supreme Cannabis brought +35 cannabis consumer products to 10 provinces across Canada, formed an industry leading sales partnership, maintained a strong wholesale business and completed its first international medical cannabis export.
Here is a screenshot of what each “partner” is licensed to sell and where they can sell it.
https://preview.redd.it/zw8ze7o8dwf61.png?width=2612&format=png&auto=webp&s=c069d60dfc3a424ae19c653ced14c4b03de4dfa8 Comparing FIRE to other major and small cap weed companies there is nothing overly concerning/amazing. Fire did post a loss in its most recent financial year of CA$139m and a latest trailing-twelve-month loss of CA$93m shrinking the gap between loss and breakeven. Note they did offer a big 100m fundraiser to generate capital for new partnerships, expansion. I personally am of the belief that you need to attack to grow a business. Especially in crowded sectors such as Cannabis. I would rather see them look to create change and shake it up. You NEED to do something after having your market cap shrink as much as they have. Also keep in mind losses aren’t inherently bad as a company needs to invest to grow, but they do they to post positive earnings. They have their earnings coming up soon, so this is where momentum can change, if they can post a good quarter, I feel like the stock could explode. They are projected to grow 77.82% per year, plus the CEO has a good track record so it looks promising (more of that below). But do note do not have a ton of cash to keep them fluid, so this earnings report is super important. They’ve missed their last four quarters and they need to start producing some profit. Their earnings report will be announced Feb 11, 2021. People might be accumulating and generating hype on the hope of a good earnings report. This is similar to what happened with $SCR. Score absolutely blew up after they had a good earnings report after several consecutive quarters at a loss. Keep in mind this isn’t always the case (just look at AMD). Summary: If you're willing to wager on this earnings reports being positive, this is nothing to worry about. If you're super adverse to risk, I would maybe stay away. Could be huge upside, but it is a gamble.
Team:
April 27, 2020 the company made a wise move, bringing in Beena The Beauty Goldenberg: Beena is now President & CEO of Supreme Cannabis Company. Goldenberg brings 30 years of CPG experience to her roles at Supreme. For the last 15 years, she worked in the natural and organics space. As the CEO of Hain-Celestial Canada, she grew the business from approximately $40 million to over $300 million by the time she left in 2020. Here is a statement of Beena speaking pure fire about fire:
I joined Supreme Cannabis as President & CEO in April because I was drawn to the Company’s focus on quality – not just in our products, practices, and facilities – but in the emphasis our people place on continuous improvement across the organization. Since joining, I have seen us make significant progress in transforming ourselves into a premier cannabis CPG company.
It looks like Beena the beauty is in here to shake things up and bring some growth to this company. She noted that 2020 was a tough year for Cannabis growth, but it is clear a lot of investors are bullish on its opportunity in 2021. She came in and made some tough choices which I like, such as restructuring the organizational model, and adjusting the assumed valuations on parts of the business. Good to hear she made some cuts, shook things up and is looking to bring FIRE back to it’s 2018 hype. I didn’t look into the rest of the team too much, they all look pretty run of the mill executives. If someone wants to look more into the team it would be appreciated. Otherwise they have a 400 employee team everything looks pretty granola for the size of their operation. Summary: In Beena the beauty we trust.
Now that you probably know more about FIRE than your degree, the big question is wether there is news to support the recent price action/drive up more in the future?
Playing with B2B sales. They struck an agreement with Breath of Life International Ltd. to offer Truverra-branded premium medical cannabis to patients in Israel. To date, we have made three shipments of medical cannabis through the agreement. This “capitallight” approach further diversifies our revenue and builds Truverra as a global medical brand.
^ This is good because it shows they’re looking for international partners. This is where the real money is IMO, especially if legislation starts to change around the world regarding Cannabis products.
Earnings on Feb 11
^ Gamble, I feel like it will be better, but if it isn’t great, I think the price will take a beating again. If it’s good 🚀
I’m sure they’re seeking out more partners, opportunity for growth, new CEO is making the right moves. They just need to get their earnings up.
Opportunity for mergers is another positive option.
u/Hunterston noted that PepsiCo & Monsanto may have invested interests in the stock. He claims that BOL Pharma got their foot in the canadian market thru Supreme. supreme has sent 4 shipments to them and BOL afterwards sent a shipment to the UK with outstanding results. Potential shipments to Australia? I suspect we can learn a lot on the earnings call so we'll see if this is all true. This could further pump price action.
TDLR Should you buy? I will buy. I am not comfortable YOLO’ing in this company but I feel like there is decent upside. It really depends on this earnings report, if you get in early you could get some great returns but you could also be investing in a dying company. They aren’t an insanely healthy company, so I would go into this with some skepticism. I have personally been looking for a decent weed play and I feel like this is as good as any for earning potential. They have a product, earnings, and partnerships + plans, I can definitely see this company experiencing some growth. So much of this is dependant on earnings and it’s a decent company, but it isn’t really revolutionary. The weed sector is still new and so pillared to regulation. Governments are going to be looking for new $ after all the stimulus they’ve been giving so they should be more accepting of emerging sectors, but ultimately bureaucracy does what it will. I’m not going to lie, one decent reason to buy is their branding. I can just see a lot of you shmelts getting fired up about FIRE because of the ticker and the company name supreme. I know this isn’t the most sound financial logic, but this is memorable and because of the low market cap, unique branding and potential, I can see it getting pumped by communities and P2P conversations. I am not a financial advisor, make your own educated decisions, but I will likely be buying 5-10k shares to hold for a few years. Hopefully this helped 🚀 🚀 🚀
The cannabis market right now is so similar to the start of the green energy market.. its nowhere near done being bullish. Save for some small dips, there will very likely be a huge bullish trend for 2021. EVEN NASDAQ AGREES. I’ve posted my positions a few times, and I’ll continue to do so. But this is my reasoning for investing in cannabis stocks in general for 2021.
I've been a bull on cannabis since the democrats had a strong pro-cannabis platform. But what made me go balls deep into the market was that the UN changed its classification of cannabis. Countries follow the UN closely for guidance on their own classification of controlled substances. Congress has repeatedly cited the UN’s classification as one of the reasons for not changing it. Several countries immediately changed their stance on cannabis in response to this, including Israel, which In November 2020, announced that it was moving forward with a plan to legalize recreational cannabis nationally. “The country is aiming to implement recreational legalization within nine months, and even if there are delays, that means mid-to-late 2021.” (This is my reason for investing in Canadian cannabis companies, because they are already poised to expand internationally since its legal there nationwide)
THE SENATE IS NOW BLUE! The Georgia runoffs were won by Democrats, and they can now swing the vote left with VP Harris. She promised it as part of her platform, so we know it will be prioritized. CHUCK SHUMER SPONSORED THE MORE ACT. HE WILL BE SENATE MAJORITY LEADER. IT WILL 100% BE PRIORITIZED BETWEEN HIM AND VP HARRIS.
EVERYONE predicted beforehand that the republicans would win Georgia... everyone talked down decriminalization passing the house because of they believed it would NEVER pass the republican majority senate. But the left spent more than any senate race in history to encourage voters to go out and vote. Only once the race started did it become clear that the left had a chance. Then some gains from the surprise that they won. However the gains from 1/5 onwards definitely hasn’t been priced in for all the future legislation, because some of it will be completely new legislation that wasn’t possible to consider before without a blue senate. THIS HASN'T BEEN PRICED INTO THE MARKET YET.
The government is broke post-COVID. There is a terrible image of the police. They don’t want to waste more resources on cannabis related crimes that would be fixed under decriminalization. And the tax revenue from decriminalization would be significant. Decriminalization (THE MORE ACT) opens up the borders to interstate-commerce and international import/export. This would all trickle down into Uncle Sam’s empty pockets.
New York Governor Cuomo announced on Jan 6 his plan to legalize marijuana for adult use (right after New Jersey vote, as I anticipated in my last post) as part of his State of the State agenda. The next step is a ripple out on the North East. NY didn’t want to miss out on tax revenue, neither will any of the other states in the northeast within driving distance of NJ and NY. This is Cuomo’s third attempt in three years to legalize adult-use cannabis in the state; last year, Cuomo included a legalization proposal in his state budget, but the plan was ultimately cut in the wake of the COVID-19 pandemic.
Other ongoing state legislature:
Rhode Island: Regulators have received 45 applications for six new medical cannabis dispensary licenses in the state. If all applicants meet the requirements for a license, six will randomly be selected in a lottery to operate retail locations in different regions across the state. Read more
Missouri: Rep. Shamed Dogan has filed legislation that would place an adult-use cannabis legalization measure on the state’s 2022 ballot. Meanwhile, Missourians for a New Approach has announced plans for a separate 2022 ballot initiative after an unsuccessful signature campaign to get the issue before voters in 2020. Read more
Alabama: Sen. Tim Melson plans to reintroduce a medical cannabis legalization bill this year. Medical cannabis legislation passed the Alabama Senate during the 2020 session, but failed to clear the House. Read more
Illinois: Illinois lawmakers have proposed the creation of 75 new cannabis retail licenses to give disadvantaged and minority applicants a second chance at licensing following the controversial licensing lottery to issue an initial 75 dispensary licenses. A work group made up of lawmakers and members of Gov. J.B. Pritzker’s administration met this week to finalize details of the bill, which will be introduced in a lame-duck session that starts Jan. 8, before new lawmakers are sworn in Jan. 13. Read more
Minnesota: House Majority Leader Ryan Winkler is again renewing his push to legalize adult-use cannabis in the state, announcing plans to reintroduce a legalization bill this year. Winkler told WCCO that he sees “Senate leadership as being the number one obstacle,” but said that if lawmakers agreed to place an adult-use legalization initiative on Minnesota’s 2022 ballot, “it would pass overwhelmingly.” Read more
Virginia: Del. Steve Heretick has reintroduced a bill to legalize adult-use cannabis. Heretick has proposed legislation related to decriminalization and legalization in the past, and this year’s bill would legalize the cultivation, sale and consumption of cannabis in the state. Read more
Connecticut: Gov. Ned Lamont renewed his push for adult-use legalization during his State of the State address Jan. 6, announcing that it is a priority for the new legislative session. Connecticut’s 2021 legislative session opened Jan. 6, and Lamont, a Democrat, kicks off the session with increased majorities in the House and Senate, which could increase his chances of passing an adult-use legalization bill. Read more
Now that you understand why I’m going green, here’s my reasoning for my positions. TLRY (Tilray)
largest cannabis company in the world by revenue post merger. Will run out of Seattle and New York City. New York Legalization on top of senate turning blue is a big catalyst for TLRY.
Merger hasn’t completed yet, and the merger happened before the senate went blue.. that was the gamble APHA was making, and they won. The sky is the limit now. When they merge, they will reduce expenses and be much more likely to post profitable quarters. (This is why mergers have so much hype; the sum is > than their parts because they can reduce operating expenses while maintaining revenue from the two companies)
Tilray CEO Brendan Kennedy: “I think medical cannabis will be legal at the federal level, which means medical cannabis can cross state lines and be imported into the U.S., like we export cannabis from Canada and Portugal to about 15 countries now,” Kennedy said. “Anyone who thinks there’s a state-specific medical market is wrong.” As for the recreational market, Kennedy says the state-specific markets, with interstate trade banned, “are not going to last long.” Kennedy believes that cannabis will be distributed like alcohol and tobacco within two years’ time. That would require significant overhaul of US federal drug laws—and would significantly disrupt all US cannabis companies’ existing business models. Brendan Kennedy, the cannabis billionaire will step down as Tilray's chairman and CEO. Irwin D. Simon, Aphria's current chairman and CEO will take Kennedy's place.
[On December 18, 2020, just three days after the U.S. Senate adopted the Cannabidiol and Marihuana Research Expansion Act (CMREA or the Act) (more on this below), the U.S. Drug Enforcement Administration (DEA or the Administration) published in the Federal Register a final rule, “Controls To Enhance the Cultivation of Marihuana for Research in the United States” (Rule), which finally paves the way for DEA to issue additional licenses to grow “marihuana” (i.e., cannabis) for research purposes.](https://www.jdsupra.com/legalnews/on-heels-of-senate-s-adoption-of-36129/)
GNLN (Greenlane Holdings)
One of the largest global sellers of premium cannabis accessories. Pax/JUUL/Volcano products. I’ve had Pax products, and although I prefer Arizer because of the affordability, I can’t deny Pax has quality products and is like the “iPhone” of vaporizers. I like their products, I like their branding. There’s lots of hype and loyalty, especially with their Volcano desktop vaporizer.
Strong US brands.
The main reason they did poorly was bad timing. They IPO’d during the year that JUULs started being banned. They’re actually at all those levels again. Theres a ton of upside potential.
Market cap is ridiculously low for some really renown brands all because of the JUUL flavor pod ban. Everyone knows Pax, Volcano, and JUUL. But no one knows Greenlane because of the bad timing of their IPO and the subsequent JUUL flavor ban. It’s crazy. They’ve already broke all time high for the year. But I’m holding until they break 1B market cap.
Overall i think too many people count it out just because of their IPO and subsequent decline in JUUL sales from the JUUL flavored pods ban. They definitely have the potential because of their strong branding and quality products. I’m betting on them having more high quality products in the future with equally loyal customers.
SNDL (Sundial Growers)
SNDL must close above $1 per share for 10 consecutive sessions by June 26, 2021 or it will bedelisted from NASDAQ. People see this as a fear factor, I see this as “they will do anything necessary to reach $1 for a week so they won’t be delisted”.. IMHO reverse splitter probably isn’t on the table since they could have done that in 2020, but instead applied for a 6 month extension after announcing “alternative strategic investments”. We can already see this by their predatory loan SPAC spinoff.
Rumors of a merger with CGC; SNDL also purchased a SPAC recently and entered an agreement with Zenabis, immediately claiming they defaulted. Turning that SPAC into predatory loan/debt repurchasing company. Imo if they want to complete a merger, it would be easy to sell ownership through that SPAC to the buyer.
THEY RECENTLY WENTDEBT FREE by selling off unprofitable assets in the business. This means we are much more likely to see earnings in future quarters, and they are much more attractive for mergers.
Because they are indoor growers, they are more likely to be bought up by a company in the consolidating Canadian cannabis market than fail all together. The amount of space licensed to grow cannabis in Canada is now heavily skewed toward outdoor cultivation instead of indoor for the first time, according to new data from Health Canada. A growing population of licenses for outdoor growers means that there aren’t as many indoor licenses being given out... If a company ANYWHERE IN THE WORLD wants to quickly expand into indoor growing OR into the west, they would have to purchase an existing company that has the license to quickly do so. This is WAY faster, and a guaranteed way to obtain a license rather than applying for one and waiting x amount of months and be rejected for some requirement that wasn’t met.
From my own experience, outdoor cannabis is subpar quality to indoor grown cannabis. So a growing market for outdoor cannabis doesn’t necessarily mean its better... it is likely just cheaper. I would imagine a high quality “craft cannabis” company would want to purchase SNDL, or an existing outdoor growing company that wants to quickly expand to indoor grown cannabis. With this being a Canadian company, there’s a chance a company in another country like Israel would be interested in purchasing it in the near future.
PLNHF (Planet 13 Holdings)
Biggest tourist trap in Las Vegas if you’re a stoner, casual smoker, or just wanting to try it. From my own experience, I think they will continue to be successful. If I went around the US trying other brands I’d probably be more confident in putting 5-10% of my portfolio into those picks or choosing to not include them lol. Like for example, I used to have Curaleaf. But there's tons of bad feedback on Curaleaf, a friend has tried it said the nug is really subpar quality and if I tried their nug I’d probably confirm that I wouldn’t want to invest in them. With PLNHF, i’ve seen the ambience and tried the product myself. It’s definitely a lot of hype price wise, but still quality. This is my own bias showing, but I still think they’ve got solid fundamentals and excellent location/strong US branding.
I’m well aware of other good stocks like GTBIF, CRLBF, SSPK, TCNNF, GRWG.. but these stocks haven’t been swinging as hard in response to pro-cannabis news. E.g. TLRY, SNDL, GNLN swung more than 20% some days from pro-cannabis news...I will likely reduce my current positions shortly after inauguration, after some news about the timeline for cannabis legislation, and diversify my positions more between these other good picks. 2021 is the year of cannabis boys
Hey guys, it’s Coooolin!!! It’s a BRAND NEW MONTH! How was everyone’s first month into 2021!? Is everyone ready for this month!? Anyone have any big plans or goals this month!? Let me know, doown beloow!! Hope everyone’s having a great first day to kick off FEBRUARY!! Here’s the new cards for today, Thanks EA!
NHL 94 Flashback Event Cards
Theoren Fleury - 91 OVR - CGY / RW - DIS1 , LTL2 Evgeny Kuznetsov - 89 OVR - WAS / C - SWA1 , LTL2 Larry Murphy - 89 OVR - PIT / RD - SWA1 , HOW2 Sean Monahan - 89 OVR - CGY / C - SWA1 , WH2 John Leclair - 88 OVR - MTL / LW - SPA1 , SPE2 Connor Hellebuyck - 87 OVR - WPJ / G - 6’4” / 207 lbs - DIS1 , BAR2 John Marino - 87 OVR - PEN / RD - BAL1 , WM2 Josh Anderson - 87 OVR - MTL / RW - SPA1 , MAG2 Al Iafariate - 87 OVR - WAS / LD - BAR1 , HOW2 Andrew Cassels - 86 OVR - WHA / C - H and S1 , T2 Jake Gardiner - 86 OVR - CAR / LD - SPA1 , SH2 Tie Domi - 85 OVR - WPJ / RW - BAL1 , GLA2 ——-
Primetimes
NHL
Connor McDavid - 94 OVR - EDM / C - BAR1 , HOW1 Victor Hedman - 93 OVR - TBL / LD - GLA1 , PP1 .... nasty TOTY UPDATE! Alex Ovechkin - 92 OVR - WAS / LW - LTL1 , WM1 Patrice Bergeron - 90 OVR - BOS / C - T1 , WH1 Alexander Barkov - 88 OVR - FLA / C - PP1 , MAG1 Vincent Trocheck - 85 OVR - CAR / C - GLA1 , WH1 Kasperi Kapanen - 84 OVR - PEN / RW - SPE1 , SH1 Jordan Kyrou - 81 OVR - STL / C - LTL1 , SH1 Eric Robinson - 80 OVR - CBJ / LW - BAL1 , GLA1 Aleksi Heponiemi - 78 OVR* - FLA / C - SPA1 , LTL1
Other Leagues
Anton Lundell - 84 OVR - IFK / C - HOW1 , PP1 Darren Brunner - 79 OVR - EHC / RW - BAR1 , HOW1 Michael Lundqvist - 79 OVR - FAR / RW - DIS1 , PP1 Mavrick Bourque - 78 OVR - CAT / C - H and S1 , BAR1 Markus Ljungh - 78 OVR - LIN / C - SWA1 , T1 Lasse Lappalainen - 78 OVR - KAL / LD - SPA1 , WH1 Vilmos Gallo - 78 OVR - KOV / LW - H and S1 Gustav Lindvall - 78 OVR - SHA / G - 6’0” / 174 lbs - DIS1 , BAR1 • • • • • • • • • • - - - - - - - - - • • • • • • • • • • • •
Packs Available
1D 23H • Elite Players Pack - 37.5k C / 750 P 10 items , all Gold Players, with at least 8 80+ OVR Players • Elite Pack - 25k C / 500 P 10 items, with at least 5 80+ OVR Players • Prime Pack - 10k C / 200 P 10 items , at least 5 Players with at least 3 Gold Players and 2 NHL Players
P.S.
• Brand New Month! • HUT CHAMPS Rewards Processing • New NHL 94 FLASHBACK Event Cards • Fantasy Hockey Players Upgrades — ? I thought , oops...
• Rivals Resets - Tomorrow at 5pm EST • SB Season Reset - Wednesday at 5pm EST • Rivals Rewards - Wednesday at 5pm EST • HUT Champ Rewards - Wednesday at 6am EST • SB Rewards !! - Thursday at 5pm EST • More Event Cards!! - Friday at 5pm EST —————
Summary of the day
Quick Read Best Forward of the Day - NHL94 - is THEEORENN FLEUURRY OVR 91 with the syn DISSTRIBUTORR and DOUBLE LIGHT UP THE LAMPSS Best Defence of the Day - NHL94 - is LAARRRYY MURPHYY OVR 89 with the syn SWAARRMM and DOUUUBLEE HOWITZERRR ////// Best Forward of the Day - PT - is CONNOORRR MCDAAVIDD OVR 94 with the syn BAARRRAAGEE and HOWITZERRR Best Defence of the Day - PT - is VICTORRR HEDMAANN OVR 93 with the syn GLAADDIATORR AND PASSINN PLAYMAKERR • UPGRADE FANTASY HOCKEY PLAYERS +1 OVR HIGHER • HUT Champs Processing - Where did you place? • NEW EVENT - NHL 94 FLASHBACK - CARDS OUT TODAY ! ———— —— ———
IMPORTANT NOTICE
New Month. New Mindset. New Beginning. New Focus. New Start. New Intentions. New Results. I hope you all had a great start to a brand new month! 2 months into 2021 already, WOW !! Did you murder your New Years Resolution in the first month of 2021? Its never too late to get it started again!! You can do whatever you put your mind to. I hope you all have a blessed, amazing, lucky, wonderful February! 28 days of blessings. Take care!
Interested in Stocks?
EA’s Stock Price, after hours - Feb 1 $ 145.87 (usd) —- Currency Converter we looked at the stock at $137.54 usd —— That is a difference of ( $8.33 / 6.06% ) — Disclaimer - I am not a financial advisor. It is your money, please do your own due diligence. I am not responsible for your money. This is *not** advice. I added this section for an added educational purposes only. Thanks* —— —— —— —-
NEED A SOUNDTRACK TO LISTEN TO?
I made this for everyone. I’ll update it whenever I feel like it, but its been often — like seriously almost every day!!
WE’RE ALMOST HITTING 1.4K SONGS! How are you not listening to this playlist already!? Comment songs to add, and please give feedback! It’s much appreciated!! I currently have “Sex on Fire” by “Kings of Leon” stuck in my head.... which you can play, recently added to the playlist! Sidenote - How do you guys like the playlist!? I have a friend who makes music...and I really want to surprise him with some new people listening to his music... if you wanna help me, please click Here!! it would mean a lot to me!! ———-
Sites To Bookmark!
If you click here you will be redirected to bilasport. Bilasport is the best Online Streaming site for your entertainment needs for all sports! (Not affiliated) A great streaming source recommended by NHLStreams is SurgeSport. Click on Hockey and you’ll be good to go! Want to make your dream team, and show others what you’ve been working on, and much more? I will redirect you HERE!. Here’s a helpful pack guide for you! Click! Want to know how the market is holding up? With a simple TAP! you will be on the newly fresh made website for the HUT market, made by one of the guys on the sub! .... what do the stats on a card mean? Is my card I want / pulled good? Click here to find out!! When is my favourite team playing? When do they play!? Here you can click on this link, and tap on your favourite team. From there, tap “Schedule” . You can add this to your homescreen on iPhone by clicking the square with the upwards arrow, scrolling down, and tapping “Add to Home Screen” ——- —— —— —— —— —— —— —— —- —— —-
Fighting a Gambling Addiction?
Don’t feel scared to click here. Winning is SO much louder than losing. Know that you are NEVER alone. We are all here for eachother, and it is never too late to get help. I am here for you. This is a VERY important thread, especially if you are new to HUT. Here! ——— ———
Story Time
Coming soon — Always tend to forget these at the last second! ——- 32 / 365 —— —— —— —- —- ——- —- —— —— Thanks for reading. I’m always welcome to feedback, please let me know what I can improve on. If there’s anything missing, please let me know! Take care, happy gaming! **TODAY IS NATIONAL FREEDOM DAY! • Coolin Killin It (Life is like a puzzle, you just have to find the right piece.)
I am 35 years old, make $56,000 ($231k combined), live in Seattle, and work in higher ed administration
Note: I was technically supposed to post this earlier this week, but noticed that no one was signed up for today (plus I was super busy earlier), so I'm posting a bit late, under a throwaway account! Fair warning: I'm VERY verbose, so this will be long! Section One: Assets and Debt As I mentioned above, I make $56k per year as an administrator in higher education. My husband (K) just got a raise to making $155k per year. He works as a lawyer, has been in the workforce for about 12 years. I won't get into too many details but he works for a small boutique firm, not Biglaw. He also sometimes gets a yearly bonus of around $10k-20k but it's not guaranteed or anything like that. K and I have totally combined finances, so the below numbers are for both of us. I have a humanities PhD but I decided to leave academia and find an alt-ac job. My current position has good work-life balance (I never work past 5 pm), but pays terribly and my university is very badly run. I'm hoping to leave higher education all together in the future and am currently enrolled in a certificate program to try to make a career transition to instructional design. The big elephant in the room is that my husband, K, makes a lot more money than me. When we first met, he was paying off massive amounts of student loans and making much less, and I was debt free with a lot of savings, so we both spent about the same amount. Now he makes 3x what I make and we are both debt-free, so the difference is much more noticeable. We do argue about money sometimes (more in the past), but the reality is that I have a humanities PhD and will likely never out earn him, and he knew that when I married him, lol. Because of all the labor I do around the house and in our lives to support him as he works a much more intense job, I was very clear that I believed we should split our finances equally as soon as we got married. We don't have separate accounts and we generally check in with one another whenever we are planning to spend more than $100. This system works for us for now. I also want to address the question about parental or family support. Although I technically paid all of my own bills since I got my Bachelor's degree, my parents supported me a lot by paying for my flights home to visit at Christmas or in the summer as Xmas presents/birthday presents. My parents also paid for my undergraduate degree (and K's parents paid for his undergraduate degree as well). They also gave us about $15k to pay for our wedding. Finally, my parents recently gave me $20k as an "early inheritance." They told me they plan to do this every year (depending on the stock market). We put this money into a brokerage. I don't consider my parents rich, as they both worked hourly jobs in health care my entire life (as a nurse and respiratory therapist - both with only associate's degrees). We never owned a new car, when we went on vacation we stayed in hostels , and shopped almost exclusively at Goodwill. But they scrimped and saved and now they have over $1 million in a retirement account. So I want to acknowledge my financial privilege in that I came from this kind of background. K's parents are similar. Retirement Balance: $186k (combination of 401k, 403b, 457, 2 Roth IRAs, and taxable brokerage account). Equity: None, we rent. Savings account balance: Approximately $45k. Checking account balance: Right now, around 8k. Credit card debt: Right now, around $3k. But we pay it off each month with our checking account balance. Student loan debt: $0. We finally paid off my husband’s law school loans (around $130k), last year. I didn’t have any student loans from undergrad (parents paid) and my MA & PhD were fully funded. Section Two: Income Income Progression: I’ve been working in my current field for 3 years. I started off making about $53k and got tiny 2% “merit increases” twice. Then in July my payroll title was changed, which triggered a required raise of about $2k. (I am dramatically underpaid). Before my current position, I was in academia. I worked as a visiting assistant professor for one year at my alma mater (made $50k for 9 months of work) and before that I was a graduate student for 7 years. I was paid $18k-21k in stipends each year and my tuition & benefits were covered. Luckily, I lived in a very low cost of living area and this was enough for me to live on without going into debt. I got my PhD in 2017. Before I was a graduate student, I taught English in Japan for three years and made around $36k per year. In high school and college, I had random jobs that provided grocery/spending money, but I was lucky enough to have parents that paid my tuition and my rent in college. I’m currently trying to make a career change (as you will see in my diary) and enrolled in a certificate program which runs from Autumn 2020 to Spring 2021 in order to help with that. Main Job Monthly Take Home: $7,634. This probably seems low relative to our joint income, but we max out our 401k (K) and 403b (me). I work for the state government, which means I’m also eligible for something called a Deferred Compensation Plan (457b). This is basically the same as a 401k but you can withdraw contributions and gains from the account at any age without penalty (of course, you still have to pay taxes). I also max this out, and the limit is the same as a 401k/403b - $19.5k. Also this number is before K’s raise is accounted for. It won’t increase until his end of February paycheck. Other deductions - I have health insurance taken out (about $80 a month for me, K’s firm covers his premiums) and taxes. WA has no state taxes, so it’s only federal taxes. I used to have to pay $50 / month for a bus pass (K's was free), but I don’t pay any longer because I’m working from home during COVID. Final note - the sum I mentioned in the headline includes a variable bonus my husband gets. My base pay is $56k and his is $155k (as of February 1). This year he also got a bonus of $20k, which is set up a bit strangely. About $4k of this was structured as a 3% matching contribution to his 401k and the rest was taxable income. In small law firms, it’s unusual to get any 401k match so this was nice. Side Gig Monthly Take Home: None. Any Other Monthly Income Here: We get some interest from our savings account… like $25 a month. Section Three: Expenses Rent: Rent comes to approximately $2,050 total for a one-bedroom apartment. Rent itself is $1886, then we have pet rent ($25 per month), bicycle parking ($15 a month) and water / sewage / gas, which is usually $120-150 (variable cost). Renters insurance: $157.76, paid annually. $13 a month. Retirement contribution: In addition to the 401k, 403b, and 457, which all come out before taxes, we max out our Roth IRAs. That means $500 each per month per person (for a yearly total of $6k each). As I noted up top, we match out our 401k and 403b (19,500 each) and our 457. My employee also offers a 7.5% match. K's employee offers a 3% match but it is included in his yearly bonus so it's not guaranteed (confusing). Savings contribution: We put $500 per month into our emergency fund. We also put about $860 a month into our “sinking fund,” which covers large and small annual or sporadic purchases such as vacations, gifts, Amazon Prime renewal, car insurance and renters insurance, etc. Investment contribution: $875 per month into a taxable brokerage at Vanguard. In total, we save about 47% of our gross income. We can do this because we keep our housing cost low relative to our high income, we don’t have any debt remaining, we don’t have any kids or parents who need financial support, and we’re very privileged in a lot of ways. We are hoping to FIRE within 10 years. Debt payments: None. Donations: We budget $100 per month for donations, which includes one-time donations as well as some reoccurring donations. My husband does pro bono work as well. I would like to increase this by quite a bit, but I still have a hard time budgeting for donations because I spent 7 years living on approximately $20k a year. To go from that to making more than 10x that amount within 3-4 years is obviously something that I am very privileged for, but it is still hard for me emotionally to comprehend at times. Electric: ~$50-100 (billed every other month) Wifi/Cable/Landline: An extortionate $87.12 for slow internet that only works for Zoom calls about half the time. Do I really live in one of the tech cities of the future? Cellphone: $170 (This includes both service and paying off two new iPhones. We could have paid them off up front, but it was actually cheaper by like $50 to go on a payment plan.) Subscriptions: BritBox ($7.70), Spotify ($16.50), HBOMax ($16.50), We Hate Movies Patreon (my favorite podcast - $8.81). My parents pay for Netflix and my sister pays for Hulu, and we all share. Gym membership: None. K and I both run and do yoga with YouTube videos. Before the pandemic, we went to yoga classes pretty frequently in person. I’d like to do some online synchronous yoga classes but find it hard to make time. Pet expenses: Varies, but I budget $50 per month and also include an emergency fund for my cat’s vet bills in our sinking fund. She’s 11 years old and probably asthmatic, so I know her vet bills are going to increase over time. Car payment / insurance: We own our car outright. Insurance billed yearly is $2,097, about $174 per month. Regular therapy: $0 Paid hobbies: Nothing regular, sporadic language classes and art supplies. Other expenses: Right now I’m doing a certificate to hopefully help with a career change. The total cost for tuition is about $5k and we already saved it up (included in our 'sinking fund') basically through spending less during the pandemic. I’ve paid two quarters so far, and the last quarter (due in March) will be a bit more - about $2.3k. __________ Day 1 Morning: I wake up at 5:30 am. Ever since the pandemic, my sleep schedule has been shot. At first, I was so happy not to have to leave the house at 7:15 for my 45 minute bus commute and I slept in a lot. But the stress (and maybe getting old?) has made me an early riser, no matter how much I try to sleep in. I do value my early mornings with just me, my cat, and my coffee, though. I start work at 8 am and begin by triaging my emails. I have a bunch of deadlines this week, so it’s busier than usual. My job tends to be very seasonal, and sometimes I have a ton of work and sometimes I have none and can work on other longer-term projects. I have a piece of toast for breakfast and place a Whole Foods delivery order for the following day at 10:30 am. We made a meal plan and put everything in the cart the day before ($117.36, including tip). Afternoon: I have my lunch break from noon to 1 pm. It doesn’t really matter when I take my lunch break, since I’m salaried, but the others in my office are hourly so in the before times we used to always close our office during the same time. I have a piece of leftover delivery pizza and some spinach risotto that I made a few days earlier. I also have half a brownie – the last one from a batch I made a few days ago (K gets the other half). He also has leftovers for lunch. I should say at this point that both K and I are lucky enough to have been working almost entirely from home since early March. An area near Seattle was one of the first places to get hit by COVID-19, and my state and both of our employers have been taking it very seriously ever since. Working from home hasn’t always been easy since we live in a 600-square foot apartment. Also, there is a three-story townhouse being built directly next door to us and I can hear the pounding in my dreams at this point. Around 2 pm, I go for a 2-mile run. I feel like some money diarists tend to toss off things like “oh, I went for an easy 7 mile run,” at the drop of a hat, so I want to be clear – running for 2 miles isn’t easy for me; it’s exhausting, annoying, sweaty, and generally gross. Also I am very slow. But it has kept me sane during quarantine. Meanwhile, my husband goes to our local pet store to get an enzymatic cleaner (our cat peed in one of our suitcases… I think it’s probably a lost cause, but it was basically brand new, so worth a try) and special weight-loss cat food. Our cat is an 11-year-old rescue from the Humane Society and she is a chonky girl. We had to sign a waiver when we adopted her, saying that we understood that she was very overweight, lol. Our vet recommended a special diet food, rather than just restricting her intake as we have been doing, so we will give it a try ($78). My husband also stops buy our local wine store and picks up two bottles. We’ve been doing a dry January, so this will be our first drink for a while ($27.53). I have a phone interview scheduled for 4 pm – just a preliminary interview with an internal recruiter. It’s the first ‘corporate’ job interview I’ve ever had, since I’ve been in academia my entire life. I’m trying to make a pivot into instructional design / training and development. I’m just excited to get an interview. It seems to go pretty well, but who knows. They tell me they will probably get back to me by the end of this week. Evening: My husband whips up a random meal of fridge remnants – pesto pasta with sausage and a fridge salad with feta and bell peppers. It’s pretty tasty with a little Sauvignon Blanc. During dinner, we play a card game we call gin rummy, although it bears no resemblance to the actual game. After dinner, I make a chocolate cake with orange buttercream frosting and we watch Cobra Kai. Daily total: $222.89 Day 2 Morning: Up early again, a piece of toast for breakfast (very exciting). We’re out of eggs until our Whole Foods order arrives. I’m working on creating some tedious but necessary spreadsheets this morning. Noon: Our Whole Foods order arrives around noon. Excitement! They’ve given us a half-rotten bag of romaine lettuce and substituted pecans for hazelnuts. I should probably just double mask and go to Trader Joe’s myself (our regular spot, only a 5-minute walk from my apartment). I’m just getting anxious about these new variants. I have leftover meatloaf and spinach risotto again for lunch. Lots of meetings and more organizing spreadsheets in the afternoon. Around 3 pm, I go for my daily ritual - a 20-minute walk around my neighborhood. It’s still raining slightly but I need to get out. Halfway through the walk, I get an email from my apartment manager telling me the apartment will no longer accept debit card payments, direct deposit, or credit card payments for paying rent. In other words, only checks or money orders (?!). Ugh. Our lease is up in 4 months and we will not be renewing our lease. Our last apartment manager was a gambling addict who may have been stealing people’s identities, but by God, he kept things working. Ever since they fired him, this place has been going downhill. Evening: I check my bank statements to update my budget spreadsheet and realize that I have been billed the wrong amount of rent. They actually charged me less than they should have. I don’t trust my apartment manager not to start charging me a late fee or something for this, so I call them up. They are baffled by how to fix this, which you would think would be the one thing you would want to get right, if you’re renting out apartments. K cooks dinner – steak with a Roquefort sauce and glazed brussels sprouts. It’s from a French cookbook we recently bought and it is delicious. I work on classwork for my certificate program while he cooks. After dinner, I do the dishes and buy the 13th season of RuPaul’s Drag Race. I watch the first episode – lots of shocking twists and turns! I’m planning to watch the rest of the episodes together with my younger sister, M ($22.01). Daily total: $22.01 Day 3 Morning: K has an 8 am dentist appointment, so he takes off early. He already paid for the work last month, so there’s no charge. I have a piece of toast for breakfast and get to work checking my emails. It’s 8:20 am and the construction crew building a townhouse next door is blasting mariachi music. I’m glad someone is having fun. At least the sun is coming out. Someone at work has made a critical error, but it wasn’t me, thank God. I was the one who found out about it, but it’s still going to cause a big old headache for me. I’m ready to be done with this job. K and I go for a run so that I can exhaust myself enough to no longer be furious about said careless error. Noon: I have leftover spinach risotto and meatloaf again – exciting. I’m busy at work but frankly, not a lot going on other than that. Still no word about fixing my rent payments. I’m not really willing to pursue this any further at this point. Evening: I start making chili (Turkey Chili from the NY Times) and cornbread (from my new cookbook, Jubilee). K is doing some work on our investments when he announces that, somehow, a transfer was scheduled from our checking account to our savings account of $55k (?!) We obviously don’t have $55k in our checking account, so we start frantically trying to figure out what’s going on. Numerous phone calls later, we still don’t know if that was a hack, if my husband somehow mistakenly scheduled the transfer himself, or if the bank messed it up. Either way, it doesn’t seem like any harm was done since the bank with our checking account just declined the transaction. But it seems really strange and worrisome. We get to work changing the passwords on all of our accounts, just in case it was some kind of hack. After dinner (and chocolate cake), I have a Zoom happy hour with a local friend. We occasionally see each other outside but it’s nice to have a longer chat from the comfort of our living rooms. We both love murder mysteries, so we signed up for a service where a company sends us letters with clues and we try to solve the mystery together. It’s a fun way to stay connected and look forward to something during the pandemic. The service costs about $15 per month, but I paid for it in lump sum for 3 months, so it’s not included in my budget above. I drink some wine and we vent about work (we work at the same place) before getting started on the puzzle. Daily total: $0 Day 4 Morning: I sleep in a bit, which is nice. Get up around 7 am. My parents are both getting their 2nd vaccine today – they’re both in their 70s and I am so relieved. I send my mom a “congratulations on being vaccinated!” text and we chat for a bit. I have leftover cornbread with honey and butter for breakfast – soooo good. Work is not particularly exciting today, but someone sends me a last-minute request for something that does not need to be so urgent. I feel annoyed. Still no word from the interviewers on Monday, and I’m beginning to suspect I wasn’t selected to move forward. Too bad. K pays for a Wordpress website for the year (it’s a work-related website, but sadly his work doesn’t reimburse him). It costs $92.48. Noon: The mariachi music is particularly loud today. I stand out on my balcony in the sun for a while and watch the workers. It’s been interesting seeing a house go up next door in real time, especially since I’m at home all the time. The workers are balancing on the top of the third story wall without, as far as I can see, anything like a safety line. It seems unsafe, but I presume they know what they’re doing. We booked a cabin for the upcoming weekend in the Hood Canal region of Washington to do some hiking and birdwatching. I want to be as safe as possible and not go to any grocery stores or risk spreading COVID in any way while I’m there, so I place another grocery order with Whole Foods just for some special treats for the weekend. The cabin has a small kitchen and a grill, so we’re planning to make a fancy steak salad on Saturday. I order chips and hummus, some fancy cheese and meats, Tate’s cookies (I’ve heard a lot of good things about these), a baguette, and the ingredients for the steak salad. I also order a few staples I forgot in our last order, like sweet potatoes, more coffee, and half and half. It comes to $87.41, including tip, but that does include like $30 worth of steak. For some reason, I can’t order a small amount of steak online, so I’m planning to freeze half of it for later. (I include this purchase in our vacation fund budget, rather than under our regular grocery budget). Around 2 pm, K makes a quick trip to our local wine store to buy an Oregon pinot noir and some port to enjoy at the cabin ($59.45). This store has an outdoor walk-up counter where you can tell the owner what you’re looking for, and he brings you some options (the store is way too small to allow customers to enter during Covid). It’s fun to chat with another human being, even briefly. Evening: After work, we spend a little time rebalancing our investing and retirement accounts. We decide to put more money into bonds and a little bit into REIT’s as a hedge against a potential crash or recession in the future. Then I start making dinner – Broken Eggs (Huevas Rotas) from the NY Times cooking site. You basically cook the potatoes in a skillet in water, spices, and olive oil, and then sauté them to crisp them up once the water evaporates. Then you add onion, lots of garlic, and finally some eggs. It is delicious. I eat it with leftover cornbread while watching RuPaul’s Drag Race season 13 with my sister – we watch the first two episodes. It’s full of twists and turns. A note about this – we have an elaborate procedure for watching shows together developed during quarantine whereby we start the show at the same with an earbud in one ear, while FaceTiming. I also have chocolate cake, of course. Later, I get an email that I’ve signed up for HBO on Amazon Prime. I definitely have not. I text my mom, who shares my account, and she tells me she signed up by mistake. I cancel right away and luckily they won’t charge us for it. Meanwhile, K is doing an online Japanese language class over Zoom. He’s been interested in learning ever since we went to Japan last January. I lived in Japan for 3 years so I was able to take us around to a lot of more obscure places and he really enjoyed the trip – it was a blast. K starts a YouTube yoga class (from Do Yoga With Me – my favorite channel) and I join him for part of it before bed around 10 pm. Daily total: $239.34 Day 5 Morning: I get up around 7 am and we go for a run first thing. I prefer running early in the morning because there are fewer people to avoid during COVID. We do a different route today – it’s longer (3 miles) but has fewer hills. It’s a slog, as always, but I feel good when I get back right around 8 am. I jump straight onto my computer to start checking work emails and my husband makes us avocado and egg toast for breakfast - it is absolutely delicious. We talk about how our bathroom smells distinctly mildewy (yay for being a grown-up because I guess this is what we talk about now) and we buy two big buckets of DampRid on Amazon ($26.60). I’ve found this to be a necessity in Seattle. Mid-morning, I take a break from work and start packing for our trip to the cabin. Noon: I have leftover potatoes and cornbread for lunch, and my husband has the leftover chili. We finish getting ready to leave and head out right after lunch, taking a half day. The only problem is that I have attend a meeting at 3:30 pm, so we head out hoping to get there in time. Our cabin is near Quilcene in the Hood Canal region of Washington, about a 2 hour drive or a 2 hour ferry ride + drive. We are initially planning to take the ferry both ways, but realize that we mistimed the ferry departure, so we drive the whole way instead. Luckily, there’s little traffic mid-day, and we arrive at our Airbnb around 3:00 pm. The Airbnb is beautiful! It’s a small cabin handmade by the owner, whose house is next door. It’s very rural, with a beautiful view. It’s tiny, but has a little kitchen and a waterfall-style shower with river rocks on the floor. It’s a great place to get away for a short time. Luckily, it also has good reception and I’m able to sit in on my meeting with no problems. My husband also does a little work, and then at 5 pm we’re free! In our planning, we decided to get takeout on Friday night, since the little kitchen isn’t designed for any serious cooking. We call ahead to a local restaurant to order burgers (one of only 2 restaurants in the whole town). It’s around 5:30 pm and the place is deserted. It’s a microbrewery, but they tell us they haven’t been making beer since COVID-19 hit. None of the workers are wearing masks when I walk in, but they put them on when they see I’m wearing one. I pick up our order - a few bottled beers and burgers and fries ($49.52 including tip). Back at our Airbnb, we watch Big Trouble in Little China and enjoy our very messy, but delicious, burgers (it costs $4.39 to rent). The movie is very campy but fun. I love silly action movies, as you will see with my other viewing choices. We wrap up the night in a very exciting fashion, eating chocolate cake and watching old episodes of the original Star Trek. Daily total: $80.51 Day 6 Morning & noon: When we wake up around 8 am, the weather is looking thankfully clear and even sunny! We were expecting rain, so we’re really glad. We decide to go hiking today, and we head out before even having breakfast, with snacks and lunches packed. Our first destination is a hike called Mt. Zion, but unfortunately, we run into enough snow 2 miles before the trailhead that we decide to turn back. We don’t have any traction for our Subaru and don’t want to risk getting stuck on a very narrow mountain road. Instead, we drive another hour or so to the Lena Lake trailhead, a very popular and less strenuous trail. It’s about 7.5 miles roundtrip with 1200 feet of elevation gain. By this time, it’s around 11:30, but luckily there is still parking. It’s a great hike up, and we run into relatively few people. We always mask up whenever we pass anyone, as does about 50% of the people we meet. The others… not so much. Around a mile from the lake, we start to run into snow. It’s turned into a beautiful sunny day, and I’m loving seeing all this snow! It’s a bit slippery, but not too bad. We make it to the lake mid-day, and it’s super jammed – there’s only a small viewpoint accessible, so everyone is crowded in there. I feel a bit uneasy with all the unmasked people, but we manage to find a spot away from the crowd and sit down to eat our lunch of apples, chips, and energy bars. There are a ton of robber jays there (Canada Jays) which try to eat our chips. It is fun watching them, but I’m annoyed to see some kids feeding them – it’ll just make them that much more aggressive. Bad trail manners. On our way back down, we get stuck behind a group of 5 unmasked adults, who refuse to cede the narrow trail to faster hikers. I’m a slow hiker myself, so, to be clear, I’m not angry at slower walkers being on the trail but have some self-awareness and let people pass! especially if you’re going to go hiking in a big group during a pandemic! We finally get back down and head back to our Airbnb. Evening: Back home, we explore some of the trails our Airbnb host has set up around his extensive property, and then relax on the deck. The sun is breaking through the clouds and it feels wonderful to sit out in nature and feel the sun on my back. We open up a bottle of wine and have a few pre-dinner snacks (more chips and hummus). For this night, we brought ingredients to make a steak salad. Our Airbnb host has kindly set up a charcoal grill for us, so we grilled the steak and toast some bread on the side. We eat dinner while watching the truly terrible Jean Claude Van Damme movie Bloodsport and finish up the very last of my chocolate cake. It’s amazing that anyone ever let Van Damme act… or should I say ‘act.’ I also have a Tate’s chocolate chip cookie or two, accompanied by a little port. My husband and I are truly very old people at heart, so we finish up the night watching a few episodes of Columbo. Daily total: $0 Day 7 Morning: Unfortunately, K had insomnia last night, so he sleeps in pretty late. I drink coffee in bed and enjoy looking at the view out our big windows. Once he’s up, we get packed up and write a thank you note for our host. It was a great stay. One of my big hobbies is birding and K enjoys wildlife photography, so we go out to look for some lifers! (The first time you see a new species of bird). Did I mention we are very old people in (relatively) young bodies? We first go to Dosewallips State Park and see some bald eagles, great blue herons, lots of various ducks, and a flock of Canada Geese, which, strangely, includes a domesticated gray goose. He’s much larger than the Canada Geese and seems to be watching over them. It’s kind of cute. Unfortunately, a lot of the birds are too far from shore to be seen clearly. Our next stop is Point No Point (I love all the sad & disappointed names that early Westerner explorers gave places in the Washington/Oregon coast), a popular birding spot. We see a ton of birds here, and I can understand why it’s so well-known - Red-Breasted Mergansers, Western Grebes, Common Goldeneyes, Pacific Loons, and a few others I can’t identify yet. Most excitingly though, we see a whole pile of otters! They’re lounging around together on a rock just offshore and a ton of people are watching. We watch as they all slip off the rock and go hunting in the shore. It’s my first otter sighting in the wild, and it’s so cool! We also see some seals and possibly a sea lion. It’s a great spot for wildlife. We eat some snacks (hummus, chips, some sliced meat & cheese) before we head out. I really want to come back to this area another time and explore further, but K has decided that we need to get back home in time for the Big Game. We take the 3:00 pm ferry back to Seattle ($16.40) and get home around 3:45 pm. I veg out at home while my husband watches football. He’s a Patriots fan but he still loves Tom Brady (??) so he’s happy to see Florida win. I don’t understand sports team loyalties at all, but whatever, I’m glad he’s happy. We order from a new Indian place called Spice Box and get vindaloo, roganjosh, and vegetables pakora – so tasty ($53.96). Happily, there’s enough left over for lunch the next day, since I have no plans for what we will eat yet! I’m really dreading work the next day, as I know that it will be obnoxious. I want to get out of my job so badly, but it doesn’t look like I’m going on to the next interview stage for the job I interviewed no back on Monday. I’m feeling kind of down about it. I try to stay positive and promise that I’ll apply for at least 2-3 new jobs next week. I bake up some frozen cookie dough I had in the freezer and feel sorry for myself. We end the night by watching another episode of Columbo. Daily total: 70.36 Food + Drink: $395.23 Fun / Entertainment: $26.40 Home + Health: $26.60 Clothes + Beauty: $0 Transport: $16.40 Other: $170.48 Grand Total: $635.11 I think this week was pretty normal for us. Obviously we spent a bit more than usual due to the weekend cabin trip, but nothing outrageous. Our largest consumer spending category is definitely food and drink – we live in a very busy area of Seattle with tons of restaurants and bars so believe it or not, we actually used to spend even more on eating out. We still try to support our local places by getting takeout or delivery during the pandemic and even occasionally getting a few drinks outside. I spent more than usual on groceries due to stocking up for the weekend away.
Canada is unique with its gambling laws. This country allows every province to set its own laws on the land-based and online gambling industry. Virtually all forms of traditional land-based and internet gambling are perfectly legal. As we mentioned at the top of this page, lawmakers in Alberta have started working toward regulate the online gambling industry. In the past, internet gambling has Visit Gambling Locations to search out out which communities in B.C. host casinos, community playing centres, bingo halls, horse racing tracks, and teletheatres. There are Three Casinos in Niagara Falls, two in Ontario, Canada and one in New York, USA, consisting of over 440,000 square ft of gaming house. The growth of the Internet on line casino industry additionally influenced the gambling business of Canada. Now gamers have the chance to play the lottery, poker, roulette, and slots much Casino Niagara is one of the best casinos in Ontario Canada. It was established as a land casino in December 1996. There are over thirteen thousand slot-machines available here with 30 gambling tables. Also, a poker room is provided for big players. Casino Niagara has a multiple purpose sports section which always seems to be exciting for the new players. Betting fans in Canada enjoy gambling on a huge variety of sports in 2021, but there are eight that always prove particularly popular online. Here we’ve listed the best sports to bet on in Canada: If you had a chance to visit some of the most famous gambling places like Fallsview Casino or Caesar’s Windsor, you can say for sure that they have their unique features and properties. There are also some gambling exhibitions that may be transformed in sites. The same thing is about online Canadian gambling sites. Some of them have gained great reputation of entertaining casinos where people can gamble anytime they have internet connection. But it may be a problem to decide which Canadian According to our resources, Canada is one of the best places to play online poker for real money and there are a lot of Canadian players that have access to some of the most famous poker sites in the world. Since there’s limited regulation in Canada regarding online poker, you should be aware that there might be some scammer sites – do your research and choose wisely the site you would Find the best 10 online sports betting sites in Canada for 2021, Covers trusted since 1995 reviews feature ratings, their bonuses, free bets, and more. Canada casinos and gambling guide contains information such as: A Canada casino list, poker tournament listing, information on slots, pari-mutuel (greyhounds & horses), Texas Hold'em, and more. Find casino contact information and view photos of every casino in Canada. Canada; China; Germany; Kazakhstan; Moldova; Turkey; Slots; Tournaments. Tournaments; Best top 5 world casino. Top 5 casinos hosting players from almost all over the world and having a high rating of trust and service for gambling enthusiasts. If you want to see casinos working specifically in your country, go to the section of the site corresponding to your country. 100 /100 Play Fortuna Illegal gambling in Canada consists of activities like running a betting company without a license or cheating at any game of chance in an attempt to defraud another party. These are serious offenses where the federal government is concerned. You can go to prison for up to 5 years for violating some of these, but most offenses aren’t so strict. Most gambling offenses carry a maximum term of