A Quick Guide on Direct Linking vs Landing Pages

r/CrashBandicoot

Welcome to CrashBandicoot! From the classic games to the N. Sane & Nitro-Fueled remakes, come here to share your favorite moments, tips and tricks. Ooga-booga!
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When an affiliate program says they do not allow PPC bidding, does this only apply to direct-linking (i.e. impersonating them)? Or am I not allowed to send PPC traffic to any page that contains an affiliate link?

For instance, let's say I was an affiliate of Magoosh, Kaplan, and Princeton Review. Magoosh's affiliate TOS say they don't allow bidding on any brand keywords or trademarked keywords.
My cornerstone piece of content is a really long review of the 5 most popular test-prep solutions, 3 of which I am an affiliate of (Magoosh, Kaplan, and Princeton Review).
Can I create an AdWords ad for my review page and bid on a broad-match search term(s) based on "Magoosh"?
Furthermore, what if I bid on a broad-match search terms based on Princeton Review and because of obvious relevancy Google showed my review page for a Magoosh search term?
And without direct linking, how would an advertiser even know that conversions I was sending them were coming from PPC? I understand that advertisers don't want to be cannibalized by affiliates direct-linking, but my examples seem like it should always be fine, no matter the policy.
submitted by JonBon13 to Affiliatemarketing [link] [comments]

LPT: if your patient needs help paying for a med, go to needymeds.org they list and link all copay assistance coupons as well as any manufacturer direct assistance programs with all paperwork/phone numbers. (I have no affiliation and make no money from this, just like the site)

LPT: if your patient needs help paying for a med, go to needymeds.org they list and link all copay assistance coupons as well as any manufacturer direct assistance programs with all paperwork/phone numbers. (I have no affiliation and make no money from this, just like the site) submitted by ShrmpHvnNw to TalesFromThePharmacy [link] [comments]

LPT: if your patient needs help paying for a med, go to needymeds.org they list and link all copay assistance coupons as well as any manufacturer direct assistance programs with all paperwork/phone numbers. (I have no affiliation and make no money from this, just like the site)

submitted by ShrmpHvnNw to pharmacy [link] [comments]

We help to earn not only guides, directing them to the flow of direct customers, but also to everyone! With our affiliate program, anyone who recommends Hyder to a friend will receive half of our Commission for life! Register in the system as a traveler or guide - you will find your referral links i

submitted by larykouch to GuiderTravel [link] [comments]

COVID-19 Updates: Food Processing Edition

Hello everyone! I got a few encouraging replies about a food processing specific thread, so I figured I'd give it a shot. I more than welcome anyone outside of the meat processing realm to provide any updates they might have (since my career is within the meat processing world, some of my links will be more meat focused.) Bear with me, as this is my first mega post!
I'll try to include industry links and mainstream news links. If there's anything that has a paywall, leave me a comment and I can post a TL;DR version! A lot of what I'm finding will be US specific, but I'll try to include international news as I see it. Also, if there are repeats of things found throughout supplychain, I apologize.
If you are in the US and are looking for a local source for meat, please check out the AAMP website and find your state's affiliate site. Many of the state websites have "find a butcher" lists or are providing updates on their social media with any of their members who have product on the shelves or space available in their slaughter schedule.
First up, quick resources for finding updates on plant closures:
FoodDive - Food & Bev Plant Closures (this is probably the most thorough list of closures I've found. FoodDive includes status, plant type, closure/reopening date, and reason for closure. They also include various links to news articles about the plant in question.)
MEAT+POULTRY - Meat Processing Closure Map
The Counter - Meat Processing
Meat industry news:
Three USDA inspectors have died due to COVID-19. As of earlier this month, 197 field inspectors were absent from work and another 120 were under self-quarantine. **Note: the USDA reports that there are 8,000 inspectors in 6,200 plants across the US. It doesn't look like the USDA website with this information has been updated since 2013 though.
To make matters worse, federal inspectors have been raising concerns about lack of transparency surrounding the safety at processing plants and say local leaders are withholding information related to the spread at COVID-19 at facilities. Last month during a tele-town hall, FSIS told inspectors they would need to find their own masks if the plants they were stationed at weren't supplying them and have now stopped taking employees questions during these town halls.
Keeping with inspector news, 40 CFIA inspectors throughout Canada have tested positive for COVID-19. Mentioned in this article is the fact that there are 37 CFIA inspectors stationed at Cargill's beef operation in High River, Alberta - 18 of them have tested positive. There have been 3 deaths of Cargill - High River employees and at least 1,500 positive cases in the area that are linked to this facility. Cargill reopened this facility last week, but was forced to close their Chambly, Quebec location this week after 64 workers tested positive..
US COVID-19 hot spots linked to meat packing plants. Take the state of Kansas, where there have been 8,340 confirmed cases as of this post. In Kansas, these spikes in positive cases are thanks to a massive effort by Gov. Kelly and the KSDH to get these plant employees tested as quickly as possible. Take a look at these counties (these 4 plants represent 25% of US beef production):
Millions of pigs to be euthanized. There have been a few other posts where I and others have touched on why the pork industry is impacted much more significantly than beef. With the short life cycle of a market pig coupled with the mass amount of pigs that are processed a day, there isn't much the producers can do to adjust what's happening with such short notice.
JBS USA CEO tells Wall Street Journal the pandemic will slow meat production in America for several months.
I'm trying to find more information on if this is happening in other states, but the Mississippi Dept. of Agriculture has changed rules on how farmers can sell meat products. This is cutting out the retail portion of the process and is linking up consumers directly with the farmer and their processors.
To make things more interesting, the USDA has announced they will be investigating pricing in the beef industry. This technically started late last year, but with all that has being going on recently, calls from ranchers, politicians, and various lobby groups have increased. There could be some anti-trust violations, if the allegations are true. There is also an ongoing lawsuit for fixing of pork prices.
Story from Waterloo, IA where a Tyson plant has reopened from an employee who recovered from COVID-19. If you're curious about what plants are implementing to keep employees separated, there is some footage. (Side note: we have suppliers reaching out to ask if we would like to buy curtain-like material, since it's cheaper than Plexiglas, to sell to our customers.)
Companies increasing pay, rolling out bonus programs, but employees still don't feel safe. I can't blame employees for feeling this way when I know how difficult it is for me to get things like masks and disposable gloves. Now, we have to compete with business reopening who are telling their customers every employee will have a mask and gloves on during interactions. A brief interview about the current situation in the disposable glove marketplace - takeaway is flexibility is key, if that's even an option. Just today, JBS and Pilgrims Pride announced they will invest more than $50 million into the communities of their employees. This will include donations to alleviate food insecurity, improve infrastructure and employee well-being, and support COVID-19 emergency response/relief efforts.
Other food news:
April saw the sharpest rise in grocery prices in 50 years.
Flour mills are struggling to get packaging to keep up with demand. This article mentions a mill in upstate New York that is running 18 hours a day to keep up. There's another story from a few weeks ago that King Arthur's flour sales increased more than 2,000% in March alone. This comes with the USDA forecasting world record wheat supply and use for 2020-2021.
Driscoll worries the market for berries 'just is not there' amid pandemic.
Onion growers requesting $16 million in direct aid. The National Onion Association has requested that the USDA pay assistance money directly to onion growers in the amount of $5 per 50 pound unit for farmers who have documentation of dumped crops due to lack of market or no other viable options retroactive to March 16th, are currently dumping onions, or are donating onions for use as livestock feed or to food banks.
US food service distributors feeling COVID-19 pain.
What does Momofuku closing locations mean for the rest of the restaurant industry? Interesting write up about what high-end restaurants with billionaire investors closing means for everyone else. Eater has been actively providing updates on COVID-19's impact on the restaurant industry (in the US and UK) if anyone is interested.
Impossible Foods founder wants to re-purpose the meat supply chain for plant-based meat. CEO Patrick Brown has described slaughter facilities as "a feces-ridden public health hazard", but he believes the labor and equipment can be repurposed to support the plant-based meat market in the face of extended closures and wanting to eliminate the meat supply chain.
submitted by heavyonthesos67 to supplychain [link] [comments]

/r/Scams Common Scam Master Post

Hello visitors and subscribers of scams! Here you will find a master list of common (and uncommon) scams that you may encounter online or in real life. Thank you to the many contributors who helped create this thread!

If you know of a scam that is not covered here, write a comment and it will be added to the next edition.

Previous threads: https://old.reddit.com/Scams/search?q=common+scams+master+post&restrict_sr=on
Blackmail email scam thread: https://old.reddit.com/Scams/comments/g8jqnthe_blackmail_email_scam_part_5//
Some of these articles are from small, local publications and refer to the scam happening in a specific area. Do not think that this means that the scam won't happen in your area.

Spoofing

Caller ID spoofing
It is very easy for anyone to make a phone call while having any number show up on the caller ID of the person receiving the phone call. Receiving a phone call from a certain number does not mean that the person/company who owns that number has actually called you.
Email spoofing
The "from" field of an email can be set by the sender, meaning that you can receive scam emails that look like they are from legitimate addresses. It's important to never click links in emails unless absolutely necessary, for example a password reset link you requested or an account activation link for an account you created.
SMS spoofing
SMS messages can be spoofed, so be wary of messages that seem to be from your friends or other trusted people.

The most common scams

The fake check scam (Credit to nimble2 for this part)
The fake check scam arises from many different situations (for instance, you applied for a job, or you are selling something on a place like Craigslist, or someone wants to purchase goods or services from your business, or you were offered a job as a mystery shopper, you were asked to wrap your car with an advertisement, or you received a check in the mail for no reason), but the bottom line is always something like this:
General fraudulent funds scams If somebody is asking you to accept and send out money as a favour or as part of a job, it is a fraudulent funds scam. It does not matter how they pay you, any payment on any service can be fraudulent and will be reversed when it is discovered to be fraudulent.
Phone verification code scams Someone will ask you to receive a verification text and then tell you to give them the code. Usually the code will come from Google Voice, or from Craigslist. In the Google version of the scam, your phone number will be used to verify a Google Voice account that the scammer will use to scam people with. In the Craigslist version of the scam, your phone number will be used to verify a Craigslist posting that the scammer will use to scam people. There is also an account takeover version of this scam that will involve the scammer sending a password reset token to your phone number and asking you for it.
Bitcoin job scams
Bitcoin job scams involve some sort of fraudulent funds transfer, usually a fake check although a fraudulent bank transfer can be used as well. The scammer will send you the fraudulent money and ask you to purchase bitcoins. This is a scam, and you will have zero recourse after you send the scammer bitcoins.
Email flooding
If you suddenly receive hundreds or thousands of spam emails, usually subscription confirmations, it's very likely that one of your online accounts has been taken over and is being used fraudulently. You should check any of your accounts that has a credit card linked to it, preferably from a computer other than the one you normally use. You should change all of your passwords to unique passwords and you should start using two factor authentication everywhere.
Boss/CEO scam A scammer will impersonate your boss or someone who works at your company and will ask you to run an errand for them, which will usually be purchasing gift cards and sending them the code. Once the scammer has the code, you have no recourse.
Employment certification scams
You will receive a job offer that is dependent on you completing a course or receiving a certification from a company the scammer tells you about. The scammer operates both websites and the job does not exist.
Craigslist fake payment scams
Scammers will ask you about your item that you have listed for sale on a site like Craigslist, and will ask to pay you via Paypal. They are scamming you, and the payment in most cases does not actually exist, the email you received was sent by the scammers. In cases where you have received a payment, the scammer can dispute the payment or the payment may be entirely fraudulent. The scammer will then either try to get you to send money to them using the fake funds that they did not send to you, or will ask you to ship the item, usually to a re-shipping facility or a parcel mule.
General fraudulent funds scams The fake check scam is not the only scam that involves accepting fraudulent/fake funds and purchasing items for scammers. If your job or opportunity involves accepting money and then using that money, it is almost certainly a frauduent funds scam. Even if the payment is through a bank transfer, Paypal, Venmo, Zelle, Interac e-Transfer, etc, it does not matter.
Credit card debt scam
Fraudsters will offer to pay off your bills, and will do so with fraudulent funds. Sometimes it will be your credit card bill, but it can be any bill that can be paid online. Once they pay it off, they will ask you to send them money or purchase items for them. The fraudulent transaction will be reversed in the future and you will never be able to keep the money. This scam happens on sites like Craigslist, Twitter, Instagram, and also some dating sites, including SeekingArrangement.
The parcel mule scam
A scammer will contact you with a job opportunity that involves accepting and reshipping packages. The packages are either stolen or fraudulently obtained items, and you will not be paid by the scammer. Here is a news article about a scam victim who fell for this scam and reshipped over 20 packages containing fraudulently acquired goods.
The Skype sex scam
You're on Facebook and you get a friend request from a cute girl you've never met. She wants to start sexting and trading nudes. She'll ask you to send pictures or videos or get on webcam where she can see you naked with your face in the picture. The scam: There's no girl. You've sent nudes to a guy pretending to be a girl. As soon as he has the pictures he'll demand money and threaten to send the pictures to your friends and family. Sometimes the scammer will upload the video to a porn site or Youtube to show that they are serious.
What to do if you are a victim of this scam: You cannot buy silence, you can only rent it. Paying the blackmailer will show them that the information they have is valuable and they will come after you for more money. Let your friends and family know that you were scammed and tell them to ignore friend requests or messages from people they don't know. Also, make sure your privacy settings are locked down and consider deactivating your account.
The underage girl scam
You're on a dating site or app and you get contacted by a cute girl. She wants to start sexting and trading nudes. Eventually she stops communicating and you get a call from a pissed off guy claiming to be the girl's father, or a police officer, or a private investigator, or something else along those lines. Turns out the girl you were sexting is underage, and her parents want some money for various reasons, such as to pay for a new phone, to pay for therapy, etc. There is, of course, no girl. You were communicating with a scammer.
What to do if you are a victim of this scam: Stop picking up the phone when the scammers call. Do not pay them, or they will be after you for more money.
Phishing
Phishing is when a scammer tries to trick you into giving information to them, such as your password or private financial information. Phishing messages will usually look very similar to official messages, and sometimes they are identical. If you are ever required to login to a different account in order to use a service, you should be incredibly cautious.
The blackmail email scam The exact wording of the emails varies, but there are generally four main parts. They claim to have placed software/malware on a porn/adult video site, they claim to have a video of you masturbating or watching porn, they threaten to release the video to your friends/family/loved ones/boss/dog, and they demand that you pay them in order for them to delete the video. Rest assured that this is a very common spam campaign and there is no truth behind the email or the threats. Here are some news articles about this scam.
The blackmail mail scam
This is very similar to the blackmail email scam, but you will receive a letter in the mail.
Rental scams Usually on local sites like Craigslist, scammers will steal photos from legitimate real estate listings and will list them for rent at or below market rate. They will generally be hesitant to tell you the address of the property for "safety reasons" and you will not be able to see the unit. They will then ask you to pay them a deposit and they claim they will ship you the keys. In reality, your money is gone and you will have no recourse.
Craigslist vehicle scams A scammer will list a vehicle on Craigslist and will offer to ship you the car. In many cases they will also falsely claim to sell you the car through eBay or Amazon. If you are looking for a car on Craigslist and the seller says anything about shipping the car, having an agent, gives you a long story about why they are selling the car, or the listing price is far too low, you are talking to a scammer and you should ignore and move on.
Advance-fee scam, also known as the 419 scam, or the Nigerian prince scam. You will receive a communication from someone who claims that you are entitled to a large sum of money, or you can help them obtain a large sum of money. However, they will need money from you before you receive the large sum.
Man in the middle scams
Man in the middle scams are very common and very hard to detect. The scammer will impersonate a company or person you are legitimately doing business with, and they will ask you to send the money to one of their own bank accounts or one controlled by a money mule. They have gained access to the legitimate persons email address, so there will be nothing suspicious about the email. To prevent this, make contact in a different way that lets you verify that the person you are talking to is the person you think you are talking to.
Cam girl voting/viewer scam
You will encounter a "cam girl" on a dating/messaging/social media/whatever site/app, and the scammer will ask you to go to their site and sign up with your credit card. They may offer a free show, or ask you to vote for them, or any number of other fake stories.
Amateur porn recruitment scam
You will encounter a "pornstar" on a dating/messaging/social media/whatever site/app, and the scammer will ask you to create an adult film with hehim, but first you need to do something. The story here is usually something to do with verifying your age, or you needing to take an STD test that involves sending money to a site operated by the scammer.
Hot girl SMS spam
You receive a text from a random number with a message along the lines of "Hey babe I'm here in town again if you wanted to meet up this time, are you around?" accompanied by a NSFW picture of a hot girl. It's spam, and they'll direct you to their scam website that requires a credit card.
Identity verification scam
You will encounter someone on a dating/messaging/social media/whatever site/app, and the scammer will ask that you verify your identity as they are worried about catfishing. The scammer operates the site, and you are not talking to whoever you think you are talking to.
This type of scam teases you with something, then tries to make you sign up for something else that costs money. The company involved is often innocent, but they turn a blind eye to the practice as it helps their bottom line, even if they have to occasionally issue refunds. A common variation takes place on dating sites/dating apps, where you will match with someone who claims to be a camgirl who wants you to sign up for a site and vote for her. Another variation takes place on local sites like Craigslist, where the scammers setup fake rental scams and demand that you go through a specific service for a credit check. Once you go through with it, the scammer will stop talking to you. Another variation also takes place on local sites like Craigslist, where scammers will contact you while you are selling a car and will ask you to purchase a Carfax-like report from a specific website.
Multi Level Marketing or Affiliate Marketing
You apply for a vague job listing for 'sales' on craigslist. Or maybe an old friend from high school adds you on Facebook and says they have an amazing business opportunity for you. Or maybe the well dressed guy who's always interviewing people in the Starbucks that you work at asks if you really want to be slinging coffee the rest of your life. The scam: MLMs are little more than pyramid schemes. They involve buying some sort of product (usually snake oil health products like body wraps or supplements) and shilling them to your friends and family. They claim that the really money is recruiting people underneath you who give you a slice of whatever they sell. And if those people underneath you recruit more people, you get a piece of their sales. Ideally if you big enough pyramid underneath you the money will roll in without any work on your part. Failure to see any profit will be your fault for not "wanting it enough." The companies will claim that you need to buy their extra training modules or webinars to really start selling. But in reality, the vast majority of people who buy into a MLM won't see a cent. At the end of the day all you'll be doing is annoying your friends and family with your constant recruitment efforts. What to look out for: Recruiters love to be vague. They won't tell you the name of the company or what exactly the job will entail. They'll pump you up with promises of "self-generating income", "being your own boss", and "owning your own company." They might ask you to read books about success and entrepreneurs. They're hoping you buy into the dream first. If you get approached via social media, check their timelines. MLMs will often instruct their victims to pretend that they've already made it. They'll constantly post about how they're hustling and making the big bucks and linking to youtube videos about success. Again, all very vague about what their job actually entails. If you think you're being recruited: Ask them what exactly the job is. If they can't answer its probably a MLM. Just walk away.

Phone scams

You should generally avoid answering or engaging with random phone calls. Picking up and engaging with a scam call tells the scammers that your phone number is active, and will usually lead to more calls.
Tax Call
You get a call from somebody claiming to be from your countries tax agency. They say you have unpaid taxes that need to be paid immediately, and you may be arrested or have other legal action taken against you if it is not paid. This scam has caused the American IRS, Canadian CRA, British HMRC, and Australian Tax Office to issue warnings. This scam happens in a wide variety of countries all over the world.
Warrant Call
Very similar to the tax call. You'll get a phone call from an "agent", "officer", "sheriff", or other law enforcement officer claiming that there is a warrant out for your arrest and you will be arrested very soon. They will then offer to settle everything for a fee, usually paid in giftcards.
[Legal Documents/Process Server Calls]
Very similar to the warrant call. You'll get a phone call from a scammer claiming that they are going to serve you legal documents, and they will threaten you with legal consequences if you refuse to comply. They may call themselves "investigators", and will sometimes give you a fake case number.
Student Loan Forgiveness Scam
Scammers will call you and tell you about a student loan forgiveness program, but they are interested in obtaining private information about you or demanding money in order to join the fake program.
Tech Support Call You receive a call from someone with a heavy accent claiming to be a technician Microsoft or your ISP. They inform you that your PC has a virus and your online banking and other accounts may be compromised if the virus is not removed. They'll have you type in commands and view diagnostics on your PC which shows proof of the virus. Then they'll have you install remote support software so the technician can work on your PC, remove the virus, and install security software. The cost of the labor and software can be hundreds of dollars. The scam: There's no virus. The technician isn't a technician and does not work for Microsoft or your ISP. Scammers (primarily out of India) use autodialers to cold-call everyone in the US. Any file they point out to you or command they have you run is completely benign. The software they sell you is either freeware or ineffective. What to do you if you're involved with this scam: If the scammers are remotely on your computer as you read this, turn off your PC or laptop via the power button immediately, and then if possible unplug your internet connection. Some of the more vindictive tech scammers have been known to create boot passwords on your computer if they think you've become wise to them and aren't going to pay up. Hang up on the scammers, block the number, and ignore any threats about payment. Performing a system restore on your PC is usually all that is required to remove the scammer's common remote access software. Reports of identity theft from fake tech calls are uncommon, but it would still be a good idea to change your passwords for online banking and monitor your accounts for any possible fraud. How to avoid: Ignore any calls claiming that your PC has a virus. Microsoft will never contact you. If you're unsure if a call claiming to be from your ISP is legit, hang up, and then dial the customer support number listed on a recent bill. If you have elderly relatives or family that isn't tech savvy, take the time to fill them in on this scam.
Chinese government scam
This scam is aimed at Chinese people living in Europe and North America, and involves a voicemail from someone claiming to be associated with the Chinese government, usually through the Chinese consulate/embassy, who is threatening legal action or making general threats.
Chinese shipping scam
This scam is similar to the Chinese government scam, but involves a seized/suspicious package, and the scammers will connect the victim to other scammers posing as Chinese government investigators.
Social security suspension scam
You will receive a call from someone claiming to work for the government regarding suspicious activity, fraud, or serious crimes connected to your social security number. You'll be asked to speak to an operator and the operator will explain the steps you need to follow in order to fix the problems. It's all a scam, and will lead to you losing money and could lead to identity theft if you give them private financial information.
Utilities cutoff
You get a call from someone who claims that they are from your utility company, and they claim that your utilities will be shut off unless you immediately pay. The scammer will usually ask for payment via gift cards, although they may ask for payment in other ways, such as Western Union or bitcoin.
Relative in custody Scammer claims to be the police, and they have your son/daughtenephew/estranged twin in custody. You need to post bail (for some reason in iTunes gift cards or MoneyGram) immediately or the consequences will never be the same.
Mexican family scam
This scam comes in many different flavours, but always involves someone in your family and Mexico. Sometimes the scammer will claim that your family member has been detained, sometimes the scammer will claim that your family member has been kidnapped, and sometimes the scammer will claim that your family member is injured and needs help.
General family scams
Scammers will gather a large amount of information about you and target your family members using different stories with the goal of gettimg them to send money.
One ring scam
Scammers will call you from an international number with the goal of getting you to return their call, causing you to incur expensive calling fees.

Online shopping scams

THE GOLDEN RULE OF ONLINE SHOPPING: If it sounds too good to be true, it probably is.
Dropshipping
An ad on reddit or social media sites like Facebook and Instagram offers items at huge discounts or even free (sometimes requiring you to reblog or like their page). They just ask you to pay shipping. The scam: The item will turn out to be very low quality and will take weeks or even months to arrive. Sometimes the item never arrives, and the store disappears or stops responding. The seller drop-ships the item from China. The item may only cost a few dollars, and the Chinese government actually pays for the shipping. You end up paying $10-$15 dollars for a $4 item, with the scammer keeping the profit. If you find one of these scams but really have your heart set on the item, you can find it on AliExpress or another Chinese retailer.
Influencer scams
A user will reach out to you on a social media platform, usually Instagram, and offer you the chance to partner with them and receive a free/discounted product, as long as you pay shipping. This is a different version of the dropshipping scam, and is just a marketing technique to get you to buy their products.
Triangulation fraud
Triangulation fraud occurs when you make a purchase on a site like Amazon or eBay for an item at a lower than market price, and receive an item that was clearly purchased new at full price. The scammer uses a stolen credit card to order your item, while the money from the listing is almost all profit for the scammer.
Instagram influencer scams
Someone will message you on Instagram asking you to promote their products, and offering you a discount code. The items are Chinese junk, and the offer is made to many people at a time.
Cheap Items
Many websites pop up and offer expensive products, including electronics, clothes, watches, sunglasses, and shoes at very low prices. The scam: Some sites are selling cheap knock-offs. Some will just take your money and run. What to do if you think you're involved with this scam: Contact your bank or credit card and dispute the charge. How to avoid: The sites often have every brand-name shoe or fashion item (Air Jordan, Yeezy, Gucci, etc) in stock and often at a discounted price. The site will claim to be an outlet for a major brand or even a specific line or item. The site will have images at the bottom claiming to be Secured by Norton or various official payment processors but not actual links. The site will have poor grammar and a mish-mash of categories. Recently, established websites will get hacked or their domain name jacked and turned into scam stores, meaning the domain name of the store will be completely unrelated to the items they're selling. If the deal sounds too good to be true it probably is. Nobody is offering brand new iPhones or Beats or Nintendo Switches for 75% off.
Cheap Amazon 3rd Party Items
You're on Amazon or maybe just Googling for an item and you see it for an unbelievable price from a third-party seller. You know Amazon has your back so you order it. The scam: One of three things usually happen: 1) The seller marks the items as shipped and sends a fake tracking number. Amazon releases the funds to the seller, and the seller disappears. Amazon ultimately refunds your money. 2) The seller immediately cancels the order and instructs you to re-order the item directly from their website, usually with the guarantee that the order is still protected by Amazon. The seller takes your money and runs. Amazon informs you that they do not offer protection on items sold outside of Amazon and cannot help you. 2) The seller immediately cancels the order and instructs you to instead send payment via an unused Amazon gift card by sending the code on the back via email. Once the seller uses the code, the money on the card is gone and cannot be refunded. How to avoid: These scammers can be identified by looking at their Amazon storefronts. They'll be brand new sellers offering a wide range of items at unbelievable prices. Usually their Amazon names will be gibberish, or a variation on FIRSTNAME.LASTNAME. Occasionally however, established storefronts will be hacked. If the deal is too good to be true its most likely a scam.
Scams on eBay
There are scams on eBay targeting both buyers and sellers. As a seller, you should look out for people who privately message you regarding the order, especially if they ask you to ship to a different address or ask to negotiate via text/email/a messaging service. As a buyer you should look out for new accounts selling in-demand items, established accounts selling in-demand items that they have no previous connection to (you can check their feedback history for a general idea of what they bought/sold in the past), and lookout for people who ask you to go off eBay and use another service to complete the transaction. In many cases you will receive a fake tracking number and your money will be help up for up to a month.
Scams on Amazon
There are scams on Amazon targeting both buyers and sellers. As a seller, you should look out for people who message you about a listing. As a buyer you should look out for listings that have an email address for you to contact the person to complete the transaction, and you should look out for cheap listings of in-demand items.
Scams on Reddit
Reddit accounts are frequently purchased and sold by fraudsters who wish to use the high karma count + the age of the account to scam people on buy/sell subreddits. You need to take precautions and be safe whenever you are making a transaction online.
Computer scams
Virus scam
A popup or other ad will say that you have a virus and you need to follow their advice in order to remove it. They are lying, and either want you to install malware or pay for their software.

Assorted scams

Chinese Brushing / direct shipping
If you have ever received an unsolicited small package from China, your address was used to brush. Vendors place fake orders for their own products and send out the orders so that they can increase their ratings.
Money flipping
Scammer claims to be a banking insider who can double/triple/bazoople any amount of money you send them, with no consequences of any kind. Obviously, the money disappears into their wallet the moment you send it.

Door to door scams

As a general rule, you should not engage with door to door salesmen. If you are interested in the product they are selling, check online first.
Selling Magazines
Someone or a group will come to your door and offer to sell a magazine subscription. Often the subscriptions are not for the duration or price you were told, and the magazines will often have tough or impossible cancellation policies.
Energy sales
Somebody will come to your door claiming to be from an energy company. They will ask to see your current energy bill so that they can see how much you pay. They will then offer you a discount if you sign up with them, and promise to handle everything with your old provider. Some of these scammers will "slam" you, by using your account number that they saw on your bill to switch you to their service without authorization, and some will scam you by charging higher prices than the ones you agreed on.
Security system scams
Scammers will come to your door and ask about your security system, and offer to sell you a new one. These scammers are either selling you overpriced low quality products, or are casing your home for a future burglary.
They ask to enter your home
While trying to sell you whatever, they suddenly need to use your bathroom, or they've been writing against the wall and ask to use your table instead. Or maybe they just moved into the neighborhood and want to see how you decorate for ideas.
They're scoping out you and your place. They want to see what valuables you have, how gullible you are, if you have a security system or dogs, etc.

Street scams

Begging With a Purpose
"I just need a few more dollars for the bus," at the bus station, or "I just need $5 to get some gas," at a gas station. There's also a variation where you will be presented with a reward: "I just need money for a cab to get uptown, but I'll give you sports tickets/money/a date/a priceless vase."
Three Card Monte, Also Known As The Shell Game
Unbeatable. The people you see winning are in on the scam.
Drop and Break
You bump into someone and they drop their phone/glasses/fancy bottle of wine/priceless vase and demand you pay them back. In reality, it's a $2 pair of reading glasses/bottle of three-buck-chuck/tasteful but affordable vase.
CD Sales
You're handed a free CD so you can check out the artist's music. They then ask for your name and immediately write it on the CD. Once they've signed your name, they ask you for money, saying they can't give it to someone else now. Often they use dry erase markers, or cheap CD sleeves. Never use any type of storage device given to you by a random person, as the device can contain malware.
White Van Speaker Scam
You're approached and offered speakers/leather jackets/other luxury goods at a discount. The scammer will have an excuse as to why the price is so low. After you buy them, you'll discover that they are worthless.
iPhone Street Sale
You're approached and shown an iPhone for sale, coming in the box, but it's open and you can see the phone. If you buy the phone, you'll get an iPhone box with no iPhone, just some stones or cheap metal in it to weigh it down.
Buddhist Monk Pendant
A monk in traditional garb approaches you, hands you a gold trinket, and asks for a donation. He holds either a notebook with names and amounts of donation (usually everyone else has donated $5+), or a leaflet with generic info. This is fairly common in NYC, and these guys get aggressive quickly.
Friendship Bracelet Scam More common in western Europe, you're approached by someone selling bracelets. They quickly wrap a loop of fabric around your finger and pull it tight, starting to quickly weave a bracelet. The only way to (easily) get it off your hand is to pay. Leftover sales
This scam involves many different items, but the idea is usually the same: you are approached by someone who claims to have a large amount of excess inventory and offers to sell it to you at a great price. The scammer actually has low quality items and will lie to you about the price/origin of the items.
Dent repair scams
Scammers will approach you in public about a dent in your car and offer to fix it for a low price. Often they will claim that they are mechanics. They will not fix the dent in your car, but they will apply large amounts of wax or other substances to hide the dent while they claim that the substance requires time to harden.
Gold ring/jewelry/valuable item scam
A scammer will "find" a gold ring or other valuable item and offers to sell it to you. The item is fake and you will never see the scammer again.
Distraction theft
One person will approach you and distract you, while their accomplice picks your pockets. The distraction can take many forms, but if you are a tourist and are approached in public, watch closely for people getting close to you.

General resources

Site to report scams in the United Kingdom: http://www.actionfraud.police.uk/
Site to report scams in the United States: https://www.ic3.gov/default.aspx
Site to report scams in Canada: www.antifraudcentre-centreantifraude.ca/reportincident-signalerincident/index-eng.htm
Site to report scams in Europe: https://www.europol.europa.eu/report-a-crime/report-cybercrime-online
FTC scam alerts: https://www.consumer.ftc.gov/scam-alerts
Microsoft's anti-scam guide: https://www.microsoft.com/en-us/safety/online-privacy/avoid-phone-scams.aspx
https://www.usa.gov/common-scams-frauds
https://www.usa.gov/scams-and-frauds
https://www.consumer.ftc.gov/features/scam-alerts
https://www.fbi.gov/scams-and-safety/common-fraud-schemes
submitted by EugeneBYMCMB to Scams [link] [comments]

2004 Forbes Magazine Article

This article is still available online at this point:
Sensei's World
Benjamin Fulford, David Whelan, 09.06.04
Soka Gakkai, a strikingly wealthy Japanese sect, tries again for U.S. glory with a splendid new campus. Daisaku Ikeda's unaccountable empire can thank lax treatment of the nonprofit world.
Walk the hilly campus of Soka University of America in Aliso Viejo, Calif. and you enter the fabulous world of the international nonprofit. The three-year-old school has so far put about $300 million into its 103 suburban Orange County acres, and this is still a work in progress. As of this fall, only 400 students will meander among the rich, Romanesque architecture.
The primary benefactor of Soka U is a controversial offshoot of Japanese Buddhism called Soka Gakkai, headed for 44 years by the sometimes messianic and persistently self-aggrandizing Daisaku Ikeda. But significant secondary support comes from favorable tax treatment in Japan, the U.S. and around the globe, just as enjoyed by other philanthropies big and small. In the U.S. the nonprofit sector is spending $875 billion a year and employs 9% of the work force yet has precious little accountability, other than the public financial statements required of most charities. Religious entities don't even have that degree of accountability. They enjoy all the benefits of tax exemption without any requirement that they say what they are up to.
Soka Gakkai is a shadowy case in point. Ikeda, now 76 and president of Soka Gakkai International, the sect's global umbrella, claims 12 million followers and has amassed an empire that was put at $100 billion by a Japanese parliamentarian a decade ago. (The sect says that's wrong but otherwise won't comment on its finances.) A nasty split from Nichiren Buddhists set off a cycle of alleged violence, blackmail and intimidation. Soka Gakkai members in Japan have been charged with illegal wiretapping and breaking into private databases. The sect says it has nothing to do with those activities, noting that its ranks include nearly 10% of all Japanese. But yet-darker allegations have been made (see box, p. 130).
Soka Gakkai (literally, "value-creating society") brings in, conservatively, $1.5 billion a year to the top line, according to our best estimates of its membership, its tithing demands and its commercial activities. Most of that revenue is collected in Japan, where the sect sells its flock funeral plots, assorted religious paraphernalia and a newspaper (5.5 million subscribers). The group's far-flung international assets include estates in France and the U.K. In gilded Santa Monica, Calif. a Soka-owned office high- rise and auditorium sit across Wilshire Boulevard from each other, near the town's beach. In the nearby hills a Soka affiliate holds the King Gillette Ranch-- which was used for footage of "Tara" in the film Gone with the Wind. A thousand spiritual centers worldwide include a site worth $6 million near New York City's Union Square.
In wealth and claimed following, Soka Gakkai exceeds more familiar sects such as Hare Krishna, the church of the Reverend Sun Myung Moon and today's hippest (Madonna, etc.) group, members of the Kabbalah Centre. In the U.S. a church can lose its federal tax exemption for getting into politics. Soka managed to get around a similar restriction in Japan, where Ikeda has built up a political party, New Komeito, that helps the long-governing Liberal Democrats hold power.
Soka University of Japan opened in 1971. Soka University of America, first established in 1987 on what is now a graduate campus in Calabasas, Calif., near Malibu, recently obtained preaccreditation for its undergraduate program from an outfit certified by the U.S. Education Department. A parallel process that will cover graduate students also is moving forward.
The preaccreditation means that for the past year American undergrads at Soka U--which reported to the IRS that its assets exceed $740 million--have been eligible to obtain up to $23,000 in federal Stafford loans over the course of their education. Needy recipients can get up to an additional $4,000 a year in Pell Grants.
What are Ikeda's aims? Five years after gaining command of Soka Gakkai, he told a Japanese writer: "I am the king of Japan; I am its president; I am the master of its spiritual life; I am the supreme power who entirely directs its intellectual culture." In the years since, "world peace" has been the sect's mantra. New Komeito promotes pacifism in Japan. Representatives of the sect have worked the UN and other official venues touting international harmony and goodwill--and usually Ikeda. Followers mount a traveling show equating him with Martin Luther King Jr. and Mahatma Gandhi.
In the sect's 1,000 meeting halls Soka members exercise the "life-enhancing" power of chanting. Believers are encouraged to be "many in body, one in mind." This means "You have to make sensei's [teacher's] heart your own. You have to fulfill [Ikeda's] dreams instead of your own," maintains Lisa Jones, a former aide and follower who ghostwrote an Ikeda book and now maintains a Soka-doubter Web site. "His dream is kosen-rufu, or what Soka members call ‘world peace,' which will be achieved when one third of the world chants, one third merely celebrates Ikeda, and the other third doesn't care," she says.
A Soka bid for favor in the U.S. a generation ago, drawing on the era's culture clash and some affiliated celebrities, attracted unwelcome press, and the sect receded a bit. But it has never given up efforts to establish legitimacy and further Ikeda's vision. He founded the Boston Research Center for the 21st Century in a 13,000-square-foot Georgian building next to Harvard University. Ikeda has enticed Mikhail Gorbachev and Henry Kissinger into numerous discussions. He also met with historian Arnold Toynbee, double Nobel Prize winner Linus Pauling and civil rights figure Rosa Parks (Soka's U.S. arm boasts a sizable black membership). Some of the conversations with luminaries have been published and sold.
More idealistic or benign than sinister and manipulative? The veil that surrounds the nonprofit world, especially religions, ensures that only the outlines are visible. Soka University files an IRS form; the organization behind it doesn't.
Congress is training its sights anew on nonprofits. Charles Grassley (R-Iowa) chairman of the Senate Finance Committee, held hearings in June on tax-exempt abuses. "Far too many charities have broken the understood covenant between the taxpayers and nonprofits," he said. He was angered by local news reports about the looting of family foundations. On Aug. 10 the Internal Revenue Service promised to increase from 230 to 300 the agents it assigns to nonprofit entities. This tiny crew is supposed to take on 1.6 million tax-exempt organizations and an estimated 400,000 additional religious groups that do not have to submit annual tax forms to the IRS. Investigations are typically initiated only in response to complaints. Exceptions to this passive role include the IRS' decades-long losing war with the Church of Scientology.
In the post-Sept. 11 era some Muslim groups have come under scrutiny for ties to terrorism. The Department of Justice recently prosecuted the former head of the American Muslim Council and indicted seven leaders of the Dallas-based Holy Land Foundation. But unless you're tied into terror, you can shout from the rooftops and no one is likely to come looking at your books. "Every revenue agent you assign to a corporate tax return will generate millions of dollars. Every [revenue agent] you assign to a tax-exempt one may not pay his own salary," says Marcus Owens, who headed the IRS' Exempt Organizations division from 1990 to 2000 and is now a private Washington attorney.
So the Ikeda-related wealth here is virtually untouchable. In Japan, Soka has not only its 8,000-student university but also its enhanced political power. At least 20% of the Liberal Democrat deputies could have lost without the support of Soka followers last October, enough to give the opposition Democratic Party a plurality in the Diet. "It's like becoming addicted to amphetamines," says Katsuei Hirasawa, an LDP member of parliament, of his party's link with Komeito.
In a July op-ed in the Asahi newspaper, Koji Ishimura, a professor of tax law at Hakuho University, argued that Soka's political activities were an abuse of its status as a religion. "The influence of a ruling party that relies on a specific religion's organization to form its power base is growing stronger," wrote Ishimura, who called for Soka's donations to be taxed.
Ikeda established his fundraising prowess early on. According to University of North Carolina professor James White, who wrote a book about Soka, Ikeda threw a scare into the Japanese insurance industry in the 1960s in a crash four-day drive for a key temple at Mount Fuji. Record sums were raised, with some members cashing in life policies to help.
Soka's initial U.S. academic beachhead in rustic Calabasas met with bustle-wary neighbors. After an extended development fight, the 660 acres today may be home to only half a dozen linguistics students destined for jobs as language instructors for Japanese Soka emissaries.
The action shifted to Aliso Viejo in 2001, with promises of a nonsectarian institution with a first-rate library and renowned secular faculty. The new master-planned community was accommodating. Campus athletic and arts attractions, as well as the library, were open to the public. Popular U.S. author Joe McGinniss was a notable instructor hire.
But reality began to kick in when McGinniss and others complained of interference from on high. Several staff have left--McGinniss' contract wasn't renewed--and one sued. Another filed for arbitration and lost.
Earnest university officials are at pains to showcase an arts-and-letters idyll devoted to the betterment of mankind. Soka U insists it is an independent, nonsectarian school not even as religiously influenced as, say, Brigham Young or Notre Dame universities. But at least a majority of Soka U's trustees have direct Soka Gakkai connections. Today 70% of matriculants are Soka Gakkai members.
Some secular faculty felt squeezed. The university was sued in 2002 by Linda Southwell, a fired fine arts professor. Her complaint disputed a "commitment to rigorous academic endeavor, free and open dialogue, and an appreciation for human diversity" when "in reality the curriculum is intended to reflect cult beliefs and perspectives" and speech and association are limited. She also claimed Soka members were favored faculty.
Soka University settled the discrimination and wrongful termination in a "satisfactory" manner that included a confidentiality clause, Southwell's lawyer Brian Glicker says. Another professor, who quit her "frightening" job, begs off discussing the specifics of her beef.
Glicker maintains he's heard from several other non-Soka Gakkai International staff members. "Many or most non-SGI staff or faculty are at least considering leaving," says one disaffected professor. "The university was only able to hire 7 or 8 of the 21 faculty it tried to hire." University officials say they'd not heard this and attribute departures to the growing pains of a new school. They claim an 81% retention rate.
An initial goal of 1,200 students remains a ways off. Has the academic friction been a roadblock? The university says more hiring and building await full accreditation, which it expects soon. On campus, the image is of serenity and strength. The buildings use the same stone featured in the Colosseum in Rome. Ikeda insisted on using it because he intends his university to last 2,000 years, a Soka U spokesman explains. The campus also sports a security camera network rivaling that of any casino.
The university includes a sizable "guest house" and a larger "athenaeum" overlooking a regional park. The sumptuous residence is set aside for VIPs, such as, in the words of one university official, "the president of Venezuela or Daisaku Ikeda." It has ornate furniture, a portrait of Ikeda and many artworks, all covered in white cloth until the VIPs show.
The undergraduate catalog says that "as leaders and decision makers," Soka's graduates "will be guided by the ideal of a contributive life, a humanistic approach drawn from Buddhist thought." But Soka Gakkai newspapers and other publications, filling a prominent shelf in the Soka University library--named for Ikeda--all feature Ikeda's interpretations of Buddhism: To wit, achieve world peace and democracy by becoming one in Soka and chanting. The university notes it also has other Buddhist texts.
Like other students approached at Aliso Viejo, Fabiana Sanchez, 21, a senior and a Soka Gakkai member, says she wants to do something for society or peace. She plans to return to her native Venezuela upon graduation and get involved in some sort of work "linking education and politics."
Soka U denies a rumor that the aging sensei plans a visit soon to his American academic citadel. Succession at the sect's helm is uncertain: Two sons are vice presidents in Soka but the sect denies a hereditary rule. Meanwhile the tax-favored billions continue to roll in, almost entirely outside the purview of authorities anywhere.
Chant of the Faithful
Prominent believers in Soka Gakkai include Mariane Pearl, the widow of murdered journalists Daniel Pearl, jazz musician Herbie Hancock and Patrick Duffy of Dallas Tv show fame. Singer Tina Turner was identified with Soka Gakkai in years past, but her spokesman would not confirm an association.
As of this fall, only 400 students will meander among the rich, Romanesque architecture.
They're still only having around that many students, and here we are, over 15 years after that article was written. Part of it is that Soka U rejects a large number of applicants because doing so creates a metric that is used to indicate "exclusivity" by ranking agencies. Will Soka U ever reach its goal of a 1,200-strong student body? My sources say No.
The sect says that's wrong but otherwise won't comment on its finances.
That's exactly the kind of criticism we get here from the SGI crusaders who pop in - they'll say "That's wrong" but never provide any documentation or even explanation as to why. We're expected to change everything on the basis of their "That's wrong". That's more of that "entitlement mentality" we were recently talking about.
the Ikeda-related wealth here is virtually untouchable
There is no financial transparency, no independent audits, no oversight by any outside agency. Remember that any time any SGI promoter talks about having reviewed their financials - never gonna happen.
efforts to establish legitimacy and further Ikeda's vision. He founded the Boston Research Center for the 21st Century
That building has since been renamed "The IKEDA Center for something, something, and something else". Who here is surprised?
In the U.S. a church can lose its federal tax exemption for getting into politics.
This is why Ikeda forbade the overseas organizations from forming their own "Komeito" political parties back in the 1970s. That ban remains in place.
Ikeda insisted on using it because he intends his university to last 2,000 years, a Soka U spokesman explains.
Oh more of this grandiose blather. Ikeda just loves talking in multiple thousands of years. The Sho-Hondo was supposed to last 10,000 years, if anyone remembers. Where's your Sho-Hondo now, Scamsei?? Ikeda apparently thinks talking in large terms will make him larger than life.
The sumptuous residence is set aside for VIPs, such as, in the words of one university official, "the president of Venezuela or Daisaku Ikeda."
It's just another "Ikeda House" (so of course it's "sumptuous", since it's for Scamsei) but they have to make it sound like it's more than just a private residence for Ikeda, because that will get them in trouble with nonprofit laws in this country. I'm betting NO ONE has ever stayed in it, since that was after Ikeda stopped traveling.
Singer Tina Turner was identified with Soka Gakkai in years past, but her spokesman would not confirm an association.
Ms. Turner isn't about to alienate any category of potential fans.
submitted by BlancheFromage to sgiwhistleblowers [link] [comments]

BeerSheets 2020-07-16 (Dan Snyder NEVER Edition)

BEERSHEETS REQUEST FORM Welcome to BeerSheets! Note that since things have just opened up please submit a request for your sheet and I'll try to process things over the next few days so folks have their first sheet. After that expect weekly updates through preseason. If you have any questions, the best way to reach me is via a DM to @BeerSheets on Twitter. I can also respond here on Reddit but it's more difficult to keep track of conversations.
LIKE MY SHEETS? PLEASE CONSIDER DONATING TO HELP INSPIRE KIDS TO BUILD ROBOTS!
What is this?
These are cheat sheets intended to help players in both snake draft and auction drafts. It uses a combination of value based drafting combined with a few of my own calculations to establish player value, positional scarcity, auction value, and tiers.
How do I get my sheet?
Click on the helpful link at the top of the post. It will direct you to a form that you can fill out. If your sheet is one of the previously generated formats it will automatically link to it, otherwise a request for a custom sheet will automatically be generated. Custom sheets are uploaded at least a week before your draft, which is why that field is included.
What's new this year?
  1. I redid the entire back end in Python... which meant I had to learn Python. Basically this allows me to vastly speed up the update process and should reduce the time delay between when sheets are requested and when they're processed.
  2. I've reconfigured the entire sheet to improve readability. The color scheme was changed to be easier for those who are color blind, the ECR column was reformatted to make it easier to read, and I've added color coding to show where there's a significant difference between APD and ECR.
  3. The value section has been changed to show the floor, ceiling, and average projection for each player. This should allow you to have a better idea of what the spread of player projections are.
  4. I removed the historical performance column. It took up a massive amount of computational time.
  5. I dropped the kicker section to make DST more useful. Now for DSTs you can see what the first four weeks are.
  6. We're partnering with our good friends at 4for4 to help offset some of the server costs! If you subscribe to 4for4 with the coupon code BEERSHEETS we'll get a bit of money as an affiliate and you get 10% off. I've been using 4for4 for quite some time and I love their site, so this was a logical way to mitigate some of our expenses.
What's not new?
We're still raising funds for the robotics team! The GoFundMe page is up and your generosity is sincerely appreciated! If the COVID-19 pandemic cancels the season the funds will go to another worthy cause such as STEM outreach charities or a local food bank.
What are the calculations based on?
I use as many projections as I can find to establish a range of projected values for each player. I use a Value Based Drafting approach to calculate the player value for each projection, and then average those values to get a final number. The standard deviation of those value projections are used to determine tiers. A key component of value based drafting is establishing the baseline player, which I set based on the "player-games" method. Essentially what I do is look at how many games on average each ranked player (RB1, RB2, etc) played the following year, and how many games are needed (#Teams x #Positions x 16 Weeks). The number of players needed to produce enough games to reach the desired quantity is the baseline. The original article is gone but pattertj does a great job of covering things here. Auction values are calculated using this method.
As part of our partnership with 4for4 we're using their rankings for the DST, as well as their unique Strength of Schedule estimations to determine which opponents will be easier or harder. 4for4 offers this capability for every position and is one of my favorite features.
What do the columns mean?
Player Name: The name of the player.
TM/BW: The player's team and bye week.
ECR: The player's Expert Consensus Ranking based on FantasyPros, formatted in a "round|pick" format so that you can also use it to judge ADP. In general ADP and ranking is closely correlated, and players with no formatting are taken in the same round as their ranking. Values in blue mean the ADP is more than a round before the rank. Values in orange mean the ADP is more than a round after the rank. These ADP predictions do not apply to 2QB leagues!
F, VAL, C: Player value in terms of Floor, Mean, and Ceiling. The average value of multiple projections relative to a baseline player (numbers shown in the title bar). Floor and Ceiling are the average value with the standard deviation of the projection either subtracted or added. In auction sheets these values are converted to dollar amounts.
PS: Positional Scarcity. The percentage of player value remaining in that position once that player (and all players above him) are drafted. This is the means by which you can determine the opportunity cost of selecting one position over another.
What does the shading mean?
The alternating white and gray shading represents different tiers of player projections based on the distribution of values from the multiple sources I use. Tiers are groups of players whose projections overlap as a result of the mean and standard deviation of their particular data set. Individual projections are notoriously unreliable (the top experts are lucky to be right 60% of the time), so players who are shaded the same should be considered roughly comparable in value.
Will you share the original data file?
Nope.
Can you do a sheet for my 13 player 2QB/1RB/3W2FLX/TE/DST/2PK league with 0.314 PPR and 9 PPTD?
Fill out the form at the top of the post to request a custom sheet. I will try to get it uploaded a week before your draft. If your settings aren't in the drop-down menus click the 'Show Custom Ranges' checkmark above the Teams value.
Can you do points per first down or premium TE scoring?
Since I'm converting everything over the Python, and dealing with over half a million requests each year, I won't be able to do anything outside of the sheet this time. I'm sorry, but my goal in the long run is to add that capability back in.
This is awesome! These sheets help me win my league last year, and you deserve a tip! How can I throw money at you?
My workload has forced me to cut down on a lot, so just like last year I am raising funds for a high school robotics program that I mentor. Your dollars will directly help inspire students to become scientists and engineers and also help them build a 160 pound robot. Please click here if you're interested in helping, every dollar directly goes towards STEM outreach.
Will you do IDP?
I would like to, but it's difficult. The problem with IDP is that there aren't a lot of projections and the tiers become massive.
Will you do Dynasty?
This method doesn't work for dynasty, as the projections are only for one year.
What's the best way to use this? Which categories should I pay attention to the most?
The real meat of the sheet is value and positional scarcity. What I like to do is start off with value and see which players are available within each position that have similar value. I look at tier to get a sense of how many players are "clumped" together and see if I can't get value later on. It should be noted that the tiers are not absolute; comparing the last player of one tier to the first player of the tier below him is perfectly reasonable. Look at the floor and ceiling information to get a better sense of an individual player's expectations.
Positional scarcity shows how much value is remaining in each position after a player is taken. In general you want the player with the lower PS, because there's less value remaining once that player is gone. This will also give you a sense of just how much value an individual player takes from the "pool" of points for each skill.
Rankings are a great way to determine when a player should be drafted, when that player is actually being drafted, and also differentiating between players in a tier. They're a good way to pick between players who share a tier once I've decided which skill position I want to draft. It should be noted that rankings are limited to contemporary scoring and rosters; the more nonstandard your league the less useful the rankings may be.
Who else should I check out?
Let me know! I'm not sure who's back this year, so please message me or reply in the comments and I'll be sure to add them.
submitted by BeerSheets to fantasyfootball [link] [comments]

BeerSheets 2020-07-08 (Break Stuff Edition)

BEERSHEETS REQUEST FORM Welcome to BeerSheets! Note that since things have just opened up please submit a request for your sheet and I'll try to process things over the next few days so folks have their first sheet. After that expect weekly updates through preseason. If you have any questions, the best way to reach me is via a DM to @BeerSheets on Twitter. I can also respond here on Reddit but it's more difficult to keep track of conversations.
LIKE MY SHEETS? PLEASE CONSIDER DONATING TO HELP INSPIRE KIDS TO BUILD ROBOTS!
What is this?
These are cheat sheets intended to help players in both snake draft and auction drafts. It uses a combination of value based drafting combined with a few of my own calculations to establish player value, positional scarcity, auction value, and tiers.
How do I get my sheet?
Click on the helpful link at the top of the post. It will direct you to a form that you can fill out. If your sheet is one of the previously generated formats it will automatically link to it, otherwise a request for a custom sheet will automatically be generated. Custom sheets are uploaded at least a week before your draft, which is why that field is included.
What's new this year?
  1. I redid the entire back end in Python... which meant I had to learn Python. Basically this allows me to vastly speed up the update process and should reduce the time delay between when sheets are requested and when they're processed.
  2. I've reconfigured the entire sheet to improve readability. The color scheme was changed to be easier for those who are color blind, the ECR column was reformatted to make it easier to read, and I've added color coding to show where there's a significant difference between APD and ECR.
  3. The value section has been changed to show the floor, ceiling, and average projection for each player. This should allow you to have a better idea of what the spread of player projections are.
  4. I removed the historical performance column. It took up a massive amount of computational time.
  5. I dropped the kicker section to make DST more useful. Now for DSTs you can see what the first four weeks are.
  6. We're partnering with our good friends at 4for4 to help offset some of the server costs! If you subscribe to 4for4 with the coupon code BEERSHEETS we'll get a bit of money as an affiliate and you get 10% off. I've been using 4for4 for quite some time and I love their site, so this was a logical way to mitigate some of our expenses.
What's not new?
We're still raising funds for the robotics team! The GoFundMe page is up and your generosity is sincerely appreciated! If the COVID-19 pandemic cancels the season the funds will go to another worthy cause such as STEM outreach charities or a local food bank.
What are the calculations based on?
I use as many projections as I can find to establish a range of projected values for each player. I use a Value Based Drafting approach to calculate the player value for each projection, and then average those values to get a final number. The standard deviation of those value projections are used to determine tiers. A key component of value based drafting is establishing the baseline player, which I set based on the "player-games" method. Essentially what I do is look at how many games on average each ranked player (RB1, RB2, etc) played the following year, and how many games are needed (#Teams x #Positions x 16 Weeks). The number of players needed to produce enough games to reach the desired quantity is the baseline. The original article is gone but pattertj does a great job of covering things here. Auction values are calculated using this method.
As part of our partnership with 4for4 we're using their rankings for the DST, as well as their unique Strength of Schedule estimations to determine which opponents will be easier or harder. 4for4 offers this capability for every position and is one of my favorite features.
What do the columns mean?
Player Name: The name of the player.
TM/BW: The player's team and bye week.
ECR: The player's Expert Consensus Ranking based on FantasyPros, formatted in a "round|pick" format so that you can also use it to judge ADP. In general ADP and ranking is closely correlated, and players with no formatting are taken in the same round as their ranking. Values in blue mean the ADP is more than a round before the rank. Values in orange mean the ADP is more than a round after the rank. These ADP predictions do not apply to 2QB leagues!
F, VAL, C: Player value in terms of Floor, Mean, and Ceiling. The average value of multiple projections relative to a baseline player (numbers shown in the title bar). Floor and Ceiling are the average value with the standard deviation of the projection either subtracted or added. In auction sheets these values are converted to dollar amounts.
PS: Positional Scarcity. The percentage of player value remaining in that position once that player (and all players above him) are drafted. This is the means by which you can determine the opportunity cost of selecting one position over another.
What does the shading mean?
The alternating white and gray shading represents different tiers of player projections based on the distribution of values from the multiple sources I use. Tiers are groups of players whose projections overlap as a result of the mean and standard deviation of their particular data set. Individual projections are notoriously unreliable (the top experts are lucky to be right 60% of the time), so players who are shaded the same should be considered roughly comparable in value.
Will you share the original data file?
Nope.
Can you do a sheet for my 13 player 2QB/1RB/3W2FLX/TE/DST/2PK league with 0.314 PPR and 9 PPTD?
Fill out the form at the top of the post to request a custom sheet. I will try to get it uploaded a week before your draft.
Can you do points per first down or premium TE scoring?
Since I'm converting everything over the Python, and dealing with over half a million requests each year, I won't be able to do anything outside of the sheet this time. I'm sorry, but my goal in the long run is to add that capability back in.
This is awesome! These sheets help me win my league last year, and you deserve a tip! How can I throw money at you?
My workload has forced me to cut down on a lot, so just like last year I am raising funds for a high school robotics program that I mentor. Your dollars will directly help inspire students to become scientists and engineers and also help them build a 160 pound robot. Please click here if you're interested in helping, every dollar directly goes towards STEM outreach.
Will you do IDP?
I would like to, but it's difficult. The problem with IDP is that there aren't a lot of projections and the tiers become massive.
Will you do Dynasty?
This method doesn't work for dynasty, as the projections are only for one year.
What's the best way to use this? Which categories should I pay attention to the most?
The real meat of the sheet is value and positional scarcity. What I like to do is start off with value and see which players are available within each position that have similar value. I look at tier to get a sense of how many players are "clumped" together and see if I can't get value later on. It should be noted that the tiers are not absolute; comparing the last player of one tier to the first player of the tier below him is perfectly reasonable. Look at the floor and ceiling information to get a better sense of an individual player's expectations.
Positional scarcity shows how much value is remaining in each position after a player is taken. In general you want the player with the lower PS, because there's less value remaining once that player is gone. This will also give you a sense of just how much value an individual player takes from the "pool" of points for each skill.
Rankings are a great way to determine when a player should be drafted, when that player is actually being drafted, and also differentiating between players in a tier. They're a good way to pick between players who share a tier once I've decided which skill position I want to draft. It should be noted that rankings are limited to contemporary scoring and rosters; the more nonstandard your league the less useful the rankings may be.
Who else should I check out?
Let me know! I'm not sure who's back this year, so please message me or reply in the comments and I'll be sure to add them.
Daruuk is awesome and you should definitely check out his Draft Slayer.
submitted by BeerSheets to fantasyfootball [link] [comments]

Arbitrary list of popular lights - Summer Solstice 2020 edition

Happy Solstice!
In honor of Summer Solstice for the northern hemisphere, I've made an updated list of popular lights. Today is a couple days after (sorry!) the day you're least likely to need a flashlight north of the equator, but it increases every day after so it's a good time to buy a flashlight.
Because a definitive buyer's guide is too hard, I've made an arbitrary list of popular lights you should consider if you're shopping for a light. There is no best flashlight, so this is not the last word in what's good, but a list of lights that are often bought or recommended here with a touch of my own opinion thrown in. Exclusion from this list doesn't mean a light isn't good. To search more lights by their attributes, try http://flashlights.parametrek.com/index.html
Where possible, official manufacturer URLs are linked here. Sometimes the manufacturer offers good deals through direct orders, sometimes vendors have the best prices. There are coupon codes available that apply to many of the lights listed. I'm hosting a version of this list on my own site with affiliate links because a few people have asked for a way to give me a kickback.
Shipping/availability may be affected by the COVID-19 pandemic. In particular, items shipped from China are often taking 2 months to arrive. Supply chains and warehouse stock also appear to be disrupted as well, so you may have to be more patient than usual if you want certain flashlights, chargers, and batteries.

For those in a hurry

If you don't want to learn much, just get one of these.

All of the lights in this section come with a rechargeable battery and have a charger built in to the light. The battery will be a standard size you can buy online from third parties, and the charger will use USB as its power source, though some options do use a special cable. Aside from the Catapult, all have very good color quality compared to the average LED flashlight, improving your ability to see details.
These are at the top of the list not because they're the best in some objective sense, but because they're easy to own and use, and easy to buy. They score well on most measure flashlight nerds care about while also being suitable for non-enthusiasts.

About specs and considerations

Moved to the wiki due to character limit

Mainstream lights

Everyday Carry Lights

These are selected for pocketability first and performance second, but most of the larger options are perfectly adequate for house/cacamping/etc... uses. This section excludes right-angle designs that double as headlamps, but many people do use those for pocket carry, so see that section as well.

Keychain

AAA battery

AA battery

CR123A/16340 battery

18350 battery

18650 battery

This category is so popular it gets subcategories. If you're looking for a lot of power and runtime that's still possible to carry in most pants pockets, this is your battery.

Dual-switch lights

A tailswitch controls power, a sideswitch changes brightness. The ease of explaning the UI makes these perfect to hand out to others.

E-switch lights

Electronic switches enable shortcuts from off to useful modes - usually lowest, highest, and last-used.

Other by use case

Right-angle lights and headlamps

If I could have only one portable light, it would be a right-angle light that functions as both an everyday carry light and a headlamp. Some lights in this form factor also offer a magnetic tailcap, allowing them to act as mountable area lights.

Small

Medium

All of these use one 18650 battery.

Large

Duty lights

These are suitable for first responders and possibly members of the military in combat roles. The focus is on simple operation, reliability and a good way to make sure the light starts on high.

High-performance lights

Most lights on the list are easy to carry, with performance constrained by size and thermal mass as a result. After all, the best light is the one you have. Here are lights to bring when you know you'll be using them.

Flooders

Turn night into day, but not necessarily very far away

Throwers

What's that over there? WAY over there? The hotspots of these lights tend to be too focused for comfortable use up close, though using a diffuser is an option. These tend to be most useful for search and rescue, boating, and the like.
FL1 throw is the distance at which large objects can be detected in clear air. At half that distance, there's usually enough illumination to see clearly, though with more extreme throwers, the distances may be so great as to require binoculars to see clearly even during the day. Throwers have visible backscatter from the atmosphere even in clear air, which may obstruct the user's view of the target. Warmer color temperatures tend to have less.

Hybrids

Some throw, some flood... probably a lot

Other lights

Stuff that doesn't fit somewhere else goes here.

Enthusiast lights

Enthusiast lights can be subject to a bit of a flavor of the month phenomenon, and this section isn't necessarily going to try to include them all. What you'll find here are enthusiast lights with some staying power. There will probably be an Emisar D4 of some description this time next year, but not necessarily the latest new FW variant or whatever's currently trendy from Nightwatch.

Everyday carry

Jacket pocket, maybe

Big

* BLF GT90 - the GT with a Luminus SBT-90.2 for over 7000 lumens and 2700m throw claimed, but that's going to be limited by heat and power. For sustainable performance, the original may have the advantage. For short bursts, this will be most impressive. 360, but look for discounts

Edit 20200624: added Tool AA, NU25, KR4, KR1
submitted by Zak to flashlight [link] [comments]

An Open Letter to Bassnectar & Community

Dear Lorin,
It's been a while since I convinced a flight attendant to deliver a letter to you on a flight to Miami in January of this year. I expressed my gratitude for how the Bassnectar project has informed my healing process, and you held space by waiting for me after the flight in an extraordinary gesture of solidarity that I won't soon forget. I instantly viewed you as an unequivocal ally. I thought our paths might have crossed at that moment in time so that you and your team could support a project that I've been wanting to launch surrounding consent culture in nightclubs. Why wouldn't I want to be guided by the team that has been a leader in curating safer spaces at events?
Now I wonder whether our paths might have crossed so that I can offer perspective and suggestions for how to engage with this nuanced dialogue regarding the intersection of power dynamics and consent. The rest of the letter is addressed to the community at large.
I want to start by saying that I stand in solidarity with all all survivors of sexual assault. I also want to admit that it is hard for me to be objective since I have such a strong connection with Bassnectar's music. I will try my best, and I hope that my humble perspective as a rape survivor can offer some thought-provoking insight. I'm not an expert on consent, but I have learned a lot through nearly two years of somatic therapy and considerable research, and the following reflections are an expression of that. I am not affiliated with Good Night Out (referenced below), and my opinions do not reflect theirs.
I am not here to excuse problematic behavior, but in order for change to occur, I believe that we need to offer both direct and indirect perpetrators of rape culture the opportunity to change. We have every right to hold them accountable, especially those in a position of power.
"Rape culture exists because we don't believe it does" (The Nation). The corollary to this is that we don't believe rape culture exists because of the lack of education around rape and consent.
Rape is not black and white. But I used to think that it was. I used to think that only strangers violently raped women in dark alleys. Why did I think this? Because of the way that I was socialized and educated about rape and consent. I internalized this to the point where I normalized a traumatizing experience that I had when I was 17 because I lacked the vocabulary to appropriately characterize it as rape.
I want to propose a potentially controversial question that I do not know the answer to: if I didn't know that I was raped, then by extension, isn't it plausible (not excusable) that men didn't know that they were sexually assaulting women? This kind of behavior was normalized for so long, and the #metoo movement is helping to redefine these lines and consent.
Most of the dialogue surrounding the aftermath of the #metoo movement has focused on how women can heal. But women aren't the problem. We must also focus on how men can confront, transform, and heal from the toxic and problematic hyper masculinity under which they were socialized. We need to address the root of the problem (rape) rather than its consequences (survivors). If you agree with this, then we must give men the opportunity to do better and to meet the new standard that women are proactively defining.
I have immersed myself within the dialogue surrounding consent at nightclubs over the last 18 months. One thing I have learned is that consent is a gray area that requires a dedicated mindfulness to successfully navigate. It is an ongoing conversation in my own relationship of seven years.
Having consensual sex with a girl under 18 (as long as she is "of age" as defined by the state) is different from intentionally inebriating an underage girl to the point where she cannot consent. It is a thin line, but it's worth acknowledging. There is a spectrum of harm. What makes the former particularly complicated within the current Bassnectar discourse is its intersection with power dynamics. Here's another challenging question for the community: how is consent impacted by power dynamics?
I am not exonerating the former, but I am attempting to draw a parallel between this type of problematic behavior and sexual harassment such as groping a girl at a club. Are either of these acts technically illegal? As far as I can tell, no. Are they still problematic? Absolutely.
This is where the idea of calling in vs. calling out comes in. I recently came across this concept in a virtual workshop led by Stacey Forrester of Good Night Out Vancouver, and I hope that my platform can eventually be an extension of Good Night Out's. I used to think that taking a zero-tolerance policy towards sexual harassment at music venues was the solution. In other words, let's kick the guy out for groping the girl without her permission, no questions asked. I learned that I was wrong. It's not so black and white. We need to hold space for people to ask questions and to learn from their mistakes. This is an essential part of growth.
In this workshop, I learned that "people who are socialized under toxic and hyper masculinity are taking cues from social norms, and they have not had people model better standards of behavior. There's no opportunity for modeling and culture change if you just remove the person." If I may apply this same logic to the Bassnectar discourse, there will be no opportunity for modeling and culture change if we just "cancel" Bassnectar, especially because Bassnectar is quite literally a model for culture change.
I believe that Bassnectar's influence is the key to this paradigm shift within the EDM community. A local music venue in San Francisco blew me off when I tried to proactively address my experience of sexual harassment at their venue, but they listened to the artist's team that stood up for me. This is why I was so excited when I randomly met Lorin on a flight. He expressed enthusiasm and support for my idea, and I couldn't help but imagine how far it could go with his platform's support. I believe that this dialogue's success within this community is contingent upon the artists who hold the power, and Bassnectar is fundamentally one of those artists. Perhaps he misused his power in the past. I suggest that we give him the opportunity to leverage his position of power to challenge and shift these paradigms that exist within the community.
I want to hold myself accountable and ask myself whether I would offer my rapist the same opportunity. The honest answer is that I am not interested in or ready for contact at this time, but I imagine that I would feel gratified if I were to find out that he was taking time to educate himself and regularly donating to organizations that spread awareness about sexual violence. He is more than welcome to pay for my therapy. I'm going to challenge myself to consider what "calling in" might look like within my personal context and how it could inform my healing process.
I want to conclude by addressing Lorin directly. I read in your public-facing follow-up statement that you feel embarrassed and ashamed. Well, we have that in common, because I also feel embarrassed and ashamed as a survivor. I'm trying to transform these feelings into action to prevent others from experiencing these feelings, and I invite you to consider using your influence to do the same.
One way to do this would be for the Bassnectar team participate in the Good Night Out workshop that G Jones and his crew participated in before their Ineffable Truth tour. Everyone on the tour had a baseline set of skills around rape culture and bystander intervention.The entire crew signed a code of conduct, and Good Night Out wrote a safety rider for the tour manager to distribute to the security staff at each show on the tour. I would love to see the Bassnectar team sponsor similar programming at all curated events and festivals that they play. Good Night Out is currently hosting virtual sessions, and this dialogue is very available to be engaged with immediately.
For the community, please consider educating yourself about how to be an active bystander. Feel free to [get in touch with me](mailto:[email protected]) about 7 ways to challenge harassment culture. I would love to share how I have integrated what I learned from these workshops into my life.
When it comes to challenging rape culture, it's not about changing the past, it's about affecting change for the future. That's how I've come to think of it. I cannot change what happened to me, but if I can further the dialogue then it will save others. Paying for therapy will go a long way in helping people confront their past, but modeling a better standard of behavior by investing in this programming is a simple and pragmatic way to help the men in the industry who likely take cues from the social norms to confront and transform their problematic masculinity.
With gratitude, humility, and respect,
~The Festival Scribe
Link to post: https://www.thefestivalscribe.com/single-post/2020/06/30/Untitled
submitted by thefestivalscribe to bassnectar [link] [comments]

The Importance Of Having Your Own Website

I joined an affiliate program and they gave me 3 free websites. Why do I need to have my own website? There are so many people out there on the Internet who want to run a successful home business. They decide to join an affiliate program that offers them the possibility of making huge bucks. Then they realise they aren’t making any money. Then they realise they have to advertise to actually get any visitors to their sites let alone actual customers.
When your new to the world of running an online home business there seems to be a million and one strategies to learn and implement. It’s easy to get distracted and head down the wrong path. You can easily waste precious time and money on tactics that just don’t work. You can become lost and disheartened in the process. I’m sure that many new online would be business entrepreneurs just give up because they get lost, overwhelmed, frustrated and start to doubt that they will ever be successful.
Having been through the process myself I know how this can feel. However, in my heart I knew it was possible. I did what so many others must be doing. I was using the trial and error method. I’ve come a long way. Now I look back on it all and I can see the pathways I took. I won’t go on about all the mistakes I’ve made because in the long run my so called mistakes brought me to a much greater understanding of the best things to do. This article is about the importance of having your own website. It’s one step of many of the best things to do to get your home business up and running smoothly. You MUST have your own website otherwise you will be wasting precious time and money. You will struggle to create a successful home business on the Internet if you do not have your own website. Get one and then learn how to make it the best possible site for your particular business. All I can say is I wish I had mine up and running sooner.
STAND OUT IN THE CROWD. When you have your own website you can stand out amongst the crowd of many sites that may be selling the same or similar product. There are billions of websites on the Internet. Many of them are very average. When you join an affiliate program you will be given your own free websites to advertise. Everyone has the same site and depending on which affiliate program you joined there may be thousands of the exact same sites out there. It is highly likely that someone coming across your site will just skim right over it and go onto the next site without stopping to read the same thing over again. When you have your own site you can make it unique. Put your personal stamp on every aspect of the site. This will attract people to stop their surfing for enough time to see what you are all about. When they spend a little time viewing your products or services then they are half way to actually making a purchase from you.
IT’S ALL ABOUT RELATIONSHIPS. Network and Internet marketing and sales isn’t necessarily about what you know. It’s all about how much you care and the relationships you develop over time. How often have you heard this statement? How does this relate to you having your own website?
If you have your free website that looks exactly like everyone else’s it will be more challenging for you to start developing those personal relationships. Sure, you may have been given an auto-responder with your website so your visitors will receive some ongoing contact with your product but they won’t be getting to know more about YOU and what you stand for. Why should they buy from you and not the exact same website they came across last week when they were surfing?
If the site is selling membership to a network marketing or an affiliate program then the person behind the website is the person who is going to become your mentor. Many people don’t realise the importance of this. The quality of the mentoring that Internet newbie home business entrepreneurs receive can make or break them. You can use your website to tell your prospects more about what you can do to help them. You need to decide what it is that you would like to offer your customers. Make your website a portal for developing that personal connection.
CONTROL OVER CONENT When you have your own website you have control over the content. This means you can do everything possible to maximize your site for organic search engine optimisation. You may wish to add extras like a positive quote for the week. You may decide to share some other personal details of your life. For example what your background was and how you over came adversity to become the successful person you are today. You may have some photos you’d like to share. Perhaps you have some shots you took on your travels or maybe some snaps of your beloved off your home or your garden looking its very best in the springtime. What you chose will, in part, depend on what your business is all about and the message you are trying to get across. Start to create a more personal connection with your visitors.
ADVERTISE YOUR BUSINESS ON ONE PAGE You may have more than one business going at the same time. If you have more than one site to advertise you’ll be spending more time and money than you are able to. Having one site for all of them is a much more refined way to go and will streamline your advertising campaign. Obviously you would want these businesses to connect in some way. Even if you think you have a wide variety of businesses there will still be a way of making a connection between them. Spend a little time of thinking about what that connection could be. You may decide to make your site a review centre where people can come to get a great review of what the best thing available in a certain topic is. You could make your site a directory where all the best site links can be found on one easy to access page. If you add a new business to your existing ones then you will be in a position to do this and not have to change your campaign radically.
LINKS AND LINK EXCHANGE. Links are what search engines use to travel from other pages to your page and visa versa. They are one of the ways the search engines use to rate your website. The higher your rating with the search engines the closer to the top of the thousands and in some cases millions of websites with businesses similar to yours. Links also mean traffic to your site. When someone clicks on your link they will be taken to your web page. The more traffic the more likely you are to make a sale.
There are two types of links. There are reciprocal links i.e. you link to me and I’ll link to you. These are the most commonly used links. They are often free and they aren’t very valuable to you but they are better than nothing. The second type of link is the one-way link where the person linking to your site doesn’t ask to be linked back to their site in return. These types of links are of great value to you. There are other aspects to links that I won’t go into detail about here. Suffice it to say that links to non-related subject pages and links from a page where there are already lots of other links present won’t be of much value to you either.
Having a great link program running is vital to developing a successful home business online. When you join an affiliate program you will be given banners. The idea is to place these mini advertisements on other peoples web pages. More than likely other people won’t be interested in you doing this unless you put their links on your pages. If you have your own web page then you’ll be able to partake in link exchange. If you are not using your own website it will be very difficult for you to get those high quality one-way links. Your rating and hence your home business will suffer because of this.
ENTRY CARD INTO EXCELLENT SITES. Having your own website will give you access to areas you would otherwise be unable to go. If you only have your affiliate web pages then some sites will not accept you. For example some article distribution services will not allow affiliate links in your resource box at the end of your articles. You can still post your articles but you wont benefit so don’t even waste your time doing this.
Some forums will not allow you to take your affiliate links with you. Some of the top forums for Internet marketing come into this category. These are fabulous places to be. Anyone with an online business will benefit from the knowledge that can be gained simply by becoming involved in such forums. Of course you can always go there and not take your affiliate links. You may not appreciate this fact at this stage but when you spend time in forums it is best for you to leave your domain name with every entry.
MAXIMIZE YOUR ARTICLE LINKS. You know you need to write articles to get your website links out there in the wider community. Your articles will contain links in the resource box. These links will continue to work for you in years to come. You will have no idea as to where these articles may crop up in the future so it’s imperative that the resource box has something in it that is going to be relevant in the future.
I personally regret not knowing about this when I started writing my articles. Now I have my own site and I know that my previously published articles have links in the resource boxes that are pointing to my affiliate pages. This is better than having sent out articles with no links and certainly better than not writing the articles in the first place. All my articles now direct people to my primary website which has a home for my affiliate links.
You’ve spent good time and energy on writing your articles. They are important so don’t waste your article links.
IT’S COST EFFECTIVE, EASY AND FUN TO DO Having your own website is very affordable. You will need to shop for two things. You will need a domain name and someone to host your site. Do a search to have a look at the cost of the various companies providing these services. One thing I learnt is that it is best to buy these two things at the same site. You can buy them at different sites but it will save you a lot of mucking around if you don’t have to transfer anything after you’ve made your purchase.
Don’t be afraid of designing your own web page! Even if your only experience with the Internet has been reading and sending out personal emails. You will find that creating your own site is really very easy. There are some excellent free sites that will guide you every step of the way. I strongly recommend using NVU. They can be found at www.nvu.com/index.php . I have personally used this free resource. It takes a bit of time and dedication when it’s your first time but it really works and you’ll have fun too. It may take you a week and in some cases a bit longer but once it’s done you’ll be proud of your efforts. You will never regret it. If you really don’t think you are up to it then you can always pay someone to do it for you. http://forexmarket.site/news-66-network-marketing-why.html
submitted by Giuelith to WealthClub [link] [comments]

READ THIS FIRST: Official Frequently Asked Questions and Answers - Important Up to Date Information You Need To Know about EIDL

\*LAST UPDATED 7/14**)

OFFICIAL FREQUENTLY ASKED QUESTIONS AND ANSWERS FOR EIDL


PURPOSE:
This post will be a master thread with everything we have collectively learned on EIDL about the loan and the application process. It will be updated on an ongoing basis and will always contain the most current information. Things change frequently at the SBA with policy and you should check back on this thread on a regular basis.
Please post any questions not covered and I will respond and add them here.

INDEX OF QUESTIONS:

  1. How do I get in touch with customer service phone support?
  2. What are my chances of being approved for this loan? Can I know in advance?
  3. I received a decline letter for “Business activity not eligible”. What can I do?
  4. How is the loan amount calculated? How can I request a specific amount?
  5. What is the maximum loan amount?
  6. When will I get my portal invite?
  7. I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
  8. I understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
  9. Does contacting my congressmen or senator actually work?
  10. I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
  11. I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
  12. Who are you, cue378? Can you help me?
  13. My loan as obligated or already funded, I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
  14. How do I show support for the volunteers and moderators for EIDL
  15. I received my portal link, but when I go to create an account it just takes me to the login page. What can be done?
  16. I was declined for "unsatisfactory credit". What are my options?
  17. What documents are required? Will a loan officer contact me?
  18. What is the status of the Advance/Grant program? Can I still get a grant?
  19. What are the eligible uses of EIDL funds?
  20. I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
  21. What is CAWEB and how can it help me track my loan disbursement and other status?
  22. I received my portal invite link, however when I go to create an account I just get the message: "The user account has not been confirmed yet. Please confirm using the link in the e-mail". What can I do?



1. QUESTION: How do I get in touch with customer service phone support?
ANSWER: The highest level of official customer service is known as "tier 2" and can be reached by calling 1-800-659-2955 and asking for Tier 2. (NOTE: As of 5/29 the previous direct number is currently out of service) They are unfortunately, a very limited means of support. They are able to check your application status and see the current "stage" and leave notes in your file, but unable to directly make any changes or escalate anything in a meaningful way.
Most are very nice and well meaning people but are usually poorly informed and often provided contradictory information between calls. The important thing to understand is that notes left by T2 do not actually notify a loan officer or anyone, they are simply waiting to be read if someone happens to open your file and takes the time to review the case notes. So if a T2 says they requested a change do not assume it was or will be made.


2. QUESTION: What are my chances of being approved for this loan? Can I know in advance?
ANSWER: The loan is relatively easy to get approval for by loan standards. The exact underwriting criteria the SBA is using was leaked by some helpful people (hat tip to u/Sbaleaky) and thus you can have a good understanding what your chances are.
Underwriters look for the following:
-Minimum Credit Score of 570. They will pull from experian. Close to Vantage 3 model found on nav DOT com or TransUnion numbers on credit karma. They do NOT use FICO. Credit score is largest factor for approval for this loan and no exceptions are made for under 570.
-If economic injury was sustained based on formula described in QUESTION 4. If this is a negative number you will be auto declined. (SEE QUESTION 5) The SBA does not consider potential revenue lost or general expenses in the loan amount.
-Tax liens or tax issues are NOT a disqualifying factor or taken into consideration for COVID19 disaster.
-Business start date must be prior to 1/31/20
-open bankruptcies = Declined. Closed OK.
-Arrest for felony < 5 years = Declined
-Arrest for misdemeanor < 5 years = Declined
-Sole proprietors with delinquent child support > 60 days = Declined
-Any business principals with 50% or more ownership with delinquent child support > 60 days = Declined
-Your business must pass verification in some way that it is a valid operation. If they can find it on google it will suffice. Otherwise you may have to provide documents to prove it's a legit business.
-Your business type must not be on the list for ineligible business activity. See list on FAQ.
-All owners on application must be either US citizens or Permanent Residents. E-2 Investor visa is NOT eligible and any attempts to appeal or add a co-borrower who is a citizen or LPR will be unsuccessful. Corporations, Partnerships, and Limited Liability Entities (LLE): Alien-owned corporations, partnerships, and LLEs properly registered and licensed in the state where the disaster occurred are eligible. If any member, partner, or shareholder, owning 20 percent or more of the applicant business is in the USA they must be a qualified alien. If the alien resides outside the USA an exception may be made.


3. QUESTION: I received a decline letter for “Business activity not eligible”. What can I do?
ANSWER: EIDL has a list of restricted business categories, if your type is NOT on this list and you still received this letter you may have been improperly classified.

The following applicants are not eligible for EIDL assistance.



4. QUESTION: How is the loan amount calculated? How can I request a specific amount?
ANSWER: There is no way to request a specific amount, the eligible amount is calculated automatically by formula based on your inputs. There are three known formulas:
  1. Standard Small Business: Revenue minus COGS divided by 2 minus advance, subject to maximum of 150K
  2. Not for Profit: 6 months operating expenses year prior to 1/31/20
  3. Business that collects rental property income, your offer is calculated by lost rents due to the disaster, not the standard formula. If your offer is lower than expected you may have been wrongly classified into this formula.
  4. Agricultural businesses: 6 months operating expenses year prior to 1/31/20
If the formula results in a negative number or less than your advance you will be declined for "ECONOMIC INJURY NOT SUSTAINED"

5. QUESTION: What is the maximum loan amount?
ANSWER: As of last update it is currently 150K cap. This will not change anytime soon and there will be no way to request more at present. The only way to avoid the cap is if your loan was already being obligated prior to the change by the SBA from 500K. If I hear anything new on this it will be updated here.

6. QUESTION: When will I get my portal invite?
ANSWER: Portal invites are a fully automated process and not strictly sequential but follow general group patterns. If you see someone that has a higher number than you get a portal invite it does NOT mean you were "passed over".

7. QUESTION: I finally got a portal invite and accepted and submitted an amount. My application says it is "processing", now what?
ANSWER: This is when the actual loan process starts and underwriting begins. Your application will be assigned a loan officer for review using the criteria listed in question 2. The exact process is as follows (hat tip u/sbaleaky and u/LOL_Face_69) with the actual stages from start to finish. Keep in mind that once you accept in the portal a number of things are going on behind the scenes, which is why "processing" can take a great deal of time. Once you see a loan amount in your portal, this is NOT an approved offer. It is simply a potential amount you are eligible for based on the stated formula if you pass underwriting.

[The following takes place behind the scenes and will not reflect in your portal, but will still say "processing"]
Note: The exception to this process is that some applications which are considered easy (based on unknown factors) to approve are subject to full automation and may go straight to approval bypassing the above steps. This only happens in rare cases.
You may also see a status that says, "On-Hold" Amount $0: This status typically is when your loan was temporarily declined and is still in the reconsideration department pending possible reconsideration approval.


8. QUESTION: I now understand that processing really means "underwriting", but how long will it actually take? What is the normal amount of time?
ANSWER: The amount of time it is normal for your portal to say "processing" is highly variable as a hundred different factors are involved behind the scenes. As of 6/10 we are seeing extended delays in processing time and obligating stage specifically. The average we are seeing is around 14-16 days total in processing. If your application has been in underwriting for greater than 14 days it may merit investigate, but not necessarily indicate a problem with your chances of approval. Do NOT panic if it seems "stuck" with no communication from anyone. This is normal.


9. QUESTION: Does contacting my congressmen or senator actually work?
ANSWER: Yes, the SBA treats congressional inquiry very carefully and will flag and sometimes white glove your application. Often they will assign a special case worker during the process. The important thing is when your local congressional office reaches out they do NOT contact the local district SBA but this email: [[email protected]](mailto:[email protected]). This email is NOT for use by applicants but only official government purposes.


10. QUESTION: Help! I accidentally entered the wrong revenue or COGS on my application and my offer amount was lower than I expected, is it possible to change this?
ANSWER: Yes, but two factors are important:
  1. You should NOT have already accepted an amount and submitted for processing in the portal. *If you already did see note below.
  2. You have documentation to backup the changes such as Federal Tax Returns 2018 or 2019 or P&L Statements. Tax returns are strongly preferred if available.
****The important thing here is DO NOT accept the offer in the portal if you need to revise your numbers.****
*IF YOU HAVE ALREADY ACCEPTED THE OFFER: Call tier 2 support as soon as you possibly can and ask them to make the following note in your file: Loan Officer, DO NOT approve this file without calling me, the applicant, because my (revenue or COGS) figures are wrong. I have supporting docs to make the changes. Please contact me ASAP.
If you meet the above two criteria contact me via email at [[email protected]](mailto:[email protected]) with your Reddit username in the subject and put COGS REVISION REQUESTED in the subject line. I will respond and give you private advice on the matter.


11. QUESTION: I need to change my Rev or COGS and I already accepted an amount in the portal, Tier 2 told me to do it! Is it too late?
Answer: Unfortunately tier 2 is currently giving absolutely terrible advice in this situation. They are telling people to accept the offer in the portal to speak with a loan officer to make the revision. The problem is that once you accept you set the process in motion and then it gets obligated by treasury it is impossible to adjust. The proper time is prior to accepting. Often times loan officers never are needed, never reach out or even read these notes. I see it every day and people are stuck its the "kiss of death" advice. If you already accepted you may have time but would need to work quickly from date of submit.
UPDATE: As of 6/15 there is now a way to fix this. See question 13.

12. QUESTION: Who are you, cue378? Can you help me?
ANSWER: I am a small business owner who is a full time volunteer offering to assist in the EIDL process. I have experience assisting hundreds of other business owners in applying for and getting approved. I am sharing the information, strategies, and general knowledge I have gained over the course of 2 months. I do not work at the SBA nor do I have any affiliation with the SBA.
Do to an extreme flood of requests for help, I may not be able to answer PM's or chat requests. I have setup an email you are welcome to contact me on, but due to the volume I may not be able to respond right away or at all. My email is [[email protected]](mailto:[email protected])
Some people have asked how they can support my efforts. While I do not ask for donations, our subreddit founder decided to setup a tip jar in case people want to show their support. To be clear I do not ask for donations for my help, but if you decide to spare anything I do appreciate it greatly. The tip jar can be found HERE.


13. QUESTION: My loan was obligated, already funded, or I already accepted the amount in the portal. I made a mistake with my COGS or revenue and I am not happy with the amount. Can I change it?
ANSWER: As of 6/12 loan modifications are now being allowed. You can contact [[email protected]](mailto:[email protected]) and request a "Loan Modification increase". It is a 3-4 week process that requires documentation. A second loan will be given for the difference from the first one. It will be processed as a 20xx series loan in the old system/portal. For more details email me. Note if you have not yet accepted the offer the normal process is much faster.


14. QUESTION: How do I show support for the volunteers and moderators for EIDL
ANSWER: For supporting Cue378, there is a tip jar listed above. If you wish to show support to our community moderators, a separate tip jar can be found HERE. Proceeds for this jar will be split between u/innocul8 and u/Scorpio14534. Donations in this jar do NOT go to Cue. Any amount is very appreciated. It takes a great deal of time and effort run the community and they are putting in a near full time effort.

15. QUESTION: I received my portal link, but when I go to create an account it just takes me to the login page. What can be done?
ANSWER: Follow these steps:
  1. Open the email to create your portal account. Right click on the green button that says, "create your account". Click "copy link address" or "copy hyperlink" depending on your browser.
  2. Use a VPN service, such as NordVPN or ProtonVPN (free), to connect to a VPN server in different state than yours, preferably on the opposite coast you are located.
  3. Open an incognito browser window, or private browser session if on firefox.
  4. Right click on the URL/web address field and paste the link you copied. Hit enter.
  5. You should then successfully be able to create a login, enter the portal, and accept your offer.
Alternately if you don't have a VPN or want to use one you can use a mobile phone to login incognito, with WiFi off on a cellular network, to create the account.

16. QUESTION: I was declined for "unsatisfactory credit". What are my options?
ANSWER: You have a few options.
  1. You can bring your vantage 3 score over 570 by paying down cards, when you are ready you can request the SBA re-pull your report and reactivate your account via [[email protected]](mailto:[email protected])
  2. You can request to add a co-borrower that has a higher score than 570 with no open bankruptcy and run their credit to reactivate your application.
You can expedite your request for a co-borrower by having this ready to go. You can also do this preemptively if you expect to be declined for credit. The co-borrower does NOT have to be involved with the business and can be anyone. The form is available here:
SBA Form 3501 - Adding Co-Borrower
Only fill out the following:
Line #14 - Add the co-borrowers information under owner #1
Line #15 - Answer question for co-borrower.
Line #16 - Answer question for co-borrower.
Sign page 10, co-borrower signs.
Ownership percentage can be 0% if co-borrower is not part of business.
Attach and send with your co-borrower request to [[email protected]](mailto:[email protected]) with your application number.
NOTE: If you have an urgent need to have your co-borrower request expedited, please email me at [[email protected]](mailto:[email protected]) with the subject line: "ADDING CO-BORROWER REQUESTED URGENT" I will respond within 24 hours.

17. QUESTION: What documents are required? Will a loan officer contact me?
ANSWER: In most cases no documentation is required and everything is self certified. In some cases a LO will need to contact you to clarify some things about your business or request specific documents. In most cases you will never be contacted by or communicate with a loan officer.


18. QUESTION: What is the status of the Advance/Grant program? Can I still get a grant?
ANSWER: As most of you already know, the EIDL Advance/Grant program has ended and the full 20 billion in funding for the advance has been exhausted. The option has been removed from new applications. Getting funding for the advance as a new applicant at this time will not be possible.
For older applications please see this post for more information:
https://www.reddit.com/EIDL/comments/hr3l41/eidl_news_714_update_regarding_the_current_status/

19. QUESTION: What are the eligible uses of EIDL funds?
ANSWER: These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact. What are all the possible uses of the funds? The wording ‘obligations that are unable to be met due to lack of revenue’ seems to be a catch all, but how much so? The EIDL working capital loans may be used to pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. The loans are not intended to replace lost sales or profits or for expansion.

20. QUESTION: I received a denial letter for the reason "ECONOMIC INJURY NOT SUSTAINED". What does this mean and what can I do?
ANSWER: This occurs when the numbers entered on your application for COGS are greater than your revenue. The SBA calculates economic injury based on the formula in question number 4. You can also be denied for this reason if the resulting number is less than your advance amount. Please note that the SBA is only taking into account revenue earned prior to the disaster date of 1/31/20 to calculate your economic injury. If your only revenue was earned after that date as a newer business you may not qualify.
If the numbers on your application were correct, you would not be eligible for an EIDL. If you made an error you can request an amendment and request reactivation of your application. I can assist with this process. You need at minimum Profit and Loss statements for the period 12 months prior to the disaster starting 1/31/20. Email me at [[email protected]](mailto:[email protected]) with the subject: COGS DENIAL REVERSAL REQUESTED. Include your Reddit username. I will respond with instructions on how to file this amendment.

21. QUESTION: What is CAWEB and how can it help me track my loan disbursement and other status?
ANSWER: You can use the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding. It allows you to see disbursement status and other details related to your loan.
****Hat tip to u/tahoechick36 for this amazing write up*\*
Using the Capital Access Finance System to track your EIDL after your documents have been signed and submitted through funding.
Visit caweb.sba.gov or click the link at the top of EIDL
Setting up an account:
You need a SBA Loan # to set up an account - for EIDL it appears on the first page of your documents, in the upper left hand area, and says "SBA Loan # XXXXXXXXXX.”
SBA loan #'s are 10 digits. Your Application # will NOT work for account set-up.
If you have a PPP Loan, you can use your SBA # for this loan to set up an account. Sometimes this # is easy to figure out, sometimes not. That has to do with an intermediary (like your bank) being involved, but if you can track down an actual SBA Loan #, you can go ahead and get registered without your EIDL loan number.
  1. On the home page click on "Not Enrolled?" in the top left. This takes you to a screen to enter info. You may come to hate this screen, this process is very finicky.
  2. Look at the rules for creating a User ID and Password by clicking on "Rules..." next to the fields.
  3. Write your exact ID & password down somewhere - if you ever get locked out and call the SBA for help, they are going to tell you that Borrowers are not supposed to be able to access CAFS CAWeb. Apparently we still can, so don't make this a big deal or maybe that will change!
  4. For user type - select "borrower" from the drop down menu.
  5. Fill in the highlighted fields with your info. Click on the "ZIP LOOKUP" button after you enter your zip code. This auto populates some other boxes, and registration won't work if you don't do this.
  6. For the country code in the phone number section enter "1" for the United States.
  7. Financial commitment ID is your Loan # - 10 digits.
  8. If you don't have a landline, it has been reported that just entering your mobile number in both fields works. You will have to select 3 of their security questions, enter the Captcha image info, then hit "submit" at the bottom.
If it didn't like the info you have entered, it will give you an error message for what part it didn't like, and you will have to try again, which requires re-entering quite a bit of the information. It's a pain.
But if it takes it, you're in! There may be a verification step now as well.
Finding your loan on CAWeb
  1. On the caweb homepage, login (if you aren't already), it will be personalized and show your name. You have to scroll down and check the "Agree to Terms" box when you are logging in.
  2. Click on "Borrower" in the top left, then click on "Borrower Search". This should take you to your "Loan List" showing the loan #, borrower name, loan type, amount, and loan status.
  3. PPP loans typically appear as "Active Un-Disbursed" - if your PPP is already funded don't worry about that. Your EIDL will show up as "Disbursed Current" if funds are on their way. It may say something else if you look immediately after you send back you Docs, but it should change pretty quickly. Logging out and back in again will sometimes refresh the status. Loan status will say "Active Un-Disbursed" until Treasury send the funds to your bank, then it changes to "Disbursed Current".


22. QUESTION: I received my portal invite link, however when I go to create an account I just get the message: "The user account has not been confirmed yet. Please confirm using the link in the e-mail". What can I do?
ANSWER: This is a known bug/error normally relating to either getting the invite ahead of schedule or other missing information in your file that would prevent the account creation from moving forward. Tier 2 cannot solve this and it need a special approach to resolve. Please email me with the subject line: "USER ACCOUNT HAS NOT BEEN CONFIRMED". Include your reddit username in the email somewhere. My address is [[email protected]](mailto:[email protected])



submitted by cue378 to EIDL [link] [comments]

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