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To meet up with friends - Oftentimes people initiate the first dialogue having strangers by trying for a lighter or maybe a cigarette. Smoking therefore facilitates them form appreciable link and make good friends with people.

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Subject: To learn how the COVID-19 affects the global economy from 7 figures - by: freemexy

In order to stop the further spread of novel coronavirus, governments around the world have taken varying degrees of measures to block some countries and cities. This includes closing borders, closing schools and workplaces, and restricting large gatherings.To get more news about WikiFX, you can visit WikiFX news official website.
  The unemployment rate is rising.
  These restrictions, called the “Great blockade” (Great Lockdown) by the International Monetary Fund(IMF), caused many global economic activities to sink into stagnation and people to lose their jobs. It can be seen that this is a real challenge for the whole world. The worlds largest economy, America, has lost more than 2,600 million jobs in the past five weeks. The United States is not alone in facing rising unemployment. Unemployment has also risen in Australia and South Korea, with some economists warning that the situation could get worse.
  Services are the main source of economic growth and employment in many countries, including the United States and China, the world's two largest economies and consumer markets. Even though the retailers such as Amzaon reported growing online sales, the whole online retailing sector has seen a decline.
  As novel coronavirus spreads around the world, manufacturers are under pressure again. As more and more countries implement blockade measures, manufacturing enterprises are affected as well. Some factories have been forced to close temporarily, while those that remain open face restrictions on access to the supply of intermediate goods and materials. Most importantly, the decline in demand for goods has exacerbated the challenges facing manufacturers. As a result, factories in countries from US to Europe and Asia have reported a decline in output over the past month.
Global trade had slowed in 2019 and is expected to be further dragged down in 2020 by the novel coronavirus pandemic.
  The World Trade Organization (WTO) said that in an optimistic scenario, the volume of global trade in goods will fall by 12.9% in 2020 and rebound rapidly by 21.3% in 2021, while in a pessimistic situation, the volume of global trade in goods will decline by 31.9% in 2020 and rebound by 24% in 2021. The WTO said that unlike during the financial crisis, the epidemic has a greater impact on the value chain and trade in services. In the electronics and automotive industries, where the value chain is more complex, trade is likely to fall sharply.
  The impact of the novel coronavirus pandemic on economic activities has led many institutions to slash their forecasts for the global economy. The International Monetary Fund (IMF) has received widespread attention for its assessment of the global economy, which estimated a 3 percent global economic shrinkage this year. Only a few economies, such as China and India, are expected to grow in 2020, IMF said. Although the IMF expects economic growth to rebound 5.8 per cent next year, it said that “the recovery is only partial because the level of economic activities is expected to remain lower than what we forecast for 2021 before novel coronavirus' attack”.]]>
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Subject: Warren Buffett, Berkshire Hathaway sold its airline stocks in April - by: freemexy

Warren Buffett's Berkshire Hathaway sold the “big four” airline stocks in April, the famed investor revealed at Berkshire Hathaway's annual meeting on Saturday.“It turned out I was wrong,” Buffett said about his decision to invest in them.Berkshire's first-quarter earnings revealed that it sold $6.1 billion in stock in April, and Buffett attributed that figure to its exit from the airlines.Buffett said that carriers could be left with “too many planes” if people fly less than they did before, and they would have to repay some of their recent government loans.Visit Business Insider's homepage for more stories.To get more news about WikiFX, you can visit WikiFX news official website.
  Warren Buffett's Berkshire Hathaway sold the “big four” airline stocks in April, the famed investor revealed at Berkshire Hathaway's annual meeting on Saturday.“It turned out I was wrong,” Buffett said about his decision to invest in the airlines. The companies are well managed and the CEOs “did a lot of things right,” he continued, but “the airline business ... changed in a very major way.”Berkshire's first-quarter earnings revealed that it sold $6.1 billion in stock in April, without detailing what it sold. Buffett attributed that figure to Berkshire's exit from the airlines.Read more: 'Brace for selling': A Wall Street quant strategist warns that stock-market buying power could evaporate just one week from now — opening the floodgates for a 'sell in May' episode
  Buffett explained the move by highlighting the airlines' bailout deals with the US government. Their agreements include billions of dollars in loans that they will have to repay, as well as warrants that the Treasury can exercise to acquire their shares at a discount in the future. The warrant part of the deal was inspired by Buffett's bailouts of Goldman Sachs and other companies during the financial crisis.The investor also questioned whether people will fly as much in the next two or three years as they did last year. Even if passenger volumes bounce back to 70% or 80% of their pre-coronavirus levels, he said, the carriers will be left with “too many planes.”“The future is much less clear to me,” Buffett said about the airline business.Read more: Quant megafund AQR explains why investors should be more worried about prolonged slumps than virus-style crashes — and details a 3-part process for protecting against them]]>
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Subject: Stock market crashes since 1870 show 2020 bear rally is doomed - by: freemexy

A Societe Generale study of bear markets since 1870 showed that the current bear-market rally is a departure from history. Andrew Lapthorne, the firm's head of quant strategy, concluded that investors are taking an early victory lap for the economy even after accounting for trillions in stimulus spending. He expects the stock market to end the year roughly 7% lower than current levels. Click here for more BI Prime stories.To get more news about WikiFX, you can visit WikiFX news official website.
  April was the best month for stocks since 1987. But this stand-out performance is not being universally cheered on Wall Street. The S&P 500's 13% ascent last month can be traced back to its bottom on March 23 — the same day the Federal Reserve essentially pledged to do whatever it takes to support the economy during the coronavirus pandemic. Even with this stimulus in action, investors declared an early victory for an economy that must still crawl out of its worst contraction in many decades, according to Andrew Lapthorne, the head of quantitative strategy at Societe Generale. He drew this conclusion by studying a 150-year history of bear markets, defined as a 20% decline from recent highs. “Beware of the oddity in this bear rally,” Lapthorne said in a recent note to clients.
  He added: “With the fallout from the complete shutdown of economic life in terms of disruptions in supply chains and collapse of aggregate demand, as well as the uncertainty on the post-lockdown path to recovery, new market bottoms are possible, although the unprecedented massive policy response could provide the backstop to a worsening case of deflationary spiral.”His study of bear markets since 1870 led him to conclude that the S&P 500 would finish the year at about 2,715, representing a 7% decline from its April close.Both the crash and recovery are abnormalLapthorne's analysis started by including episodes since 1870 when the S&P 500's decline could ostensibly have been rounded up to 20%. One recent example was the late-2018 sell-off that winded up as a 19.6% decline.But because the 2020 drop has been a different beast in terms of its speed, comparing it to every bear market was not empirically ideal.
  And so he filtered for severe bear markets, defined as drawdowns of at least 30%, to make them comparable to this one. The roster of 15 meltdowns includes infamous sell-offs like the crash of 1929, Black Monday, and the dotcom bust. He found that on average, the S&P 500 recovered by 4% within a month, 13% within three months, and 27% within a year. The typical trajectory of recoveries is similar even when the Great Depression, often likened to the coronavirus crisis, is included.By comparison, stocks have leapt more than 30% from their bottom in March.
The brisk rally of 2020 cannot be divorced from the record amount of government stimulus that flowed into the economy. On this account, Lapthorne said the market's roaring comeback is reasonable.He inserted one more caveat into his analysis: 150 years is perhaps too long a timeframe for analyzing the recent bear market. The forces that drive stocks and the economy have evolved over the last century and a half, and so it's possible to slide into the error of comparing apples with oranges.
  For this reason, Lapthorne averaged the three most recent severe crashes — in 1987, 2000, and 2008 — and then compared them to the rest of his timeframe. He still found that the post-crisis recoveries were similar to the preceding episodes, leaving 2020 as the odd one out.Lapthorne's grand conclusion is that history is rife with many examples of bear rallies that give way to even deeper losses. He left clients with three recommendations: stay hedged with defensive assets, beware of momentum stocks that are sensitive to broader market moves, and be well-positioned for a rally in undervalued stocks.]]>
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Subject: How long experts think US economy will take to recover after reopening - by: freemexy

Top analysts from Deutsche Bank, Morgan Stanley, Jefferies, and Bank of America used global and national data to predict how the US economy would reopen and how long it would take to recover to pre-coronavirus levels.Analysts at Morgan Stanley don't expect all 50 US states to be fully reopened until at least June, and the country's gross domestic product won't reach pre-coronavirus levels until the end of 2021.Even in a rebound, some said, the country is likely to experience double-digit unemployment and a declining retail sector.Visit Business Insider's homepage for more stories.To get more news about WikiFX, you can visit WikiFX news official website.
  Though the coronavirus pandemic never prompted a true national lockdown in the US, roughly 95% of the country ultimately became subject to stay-at-home orders, businesses have shut down, and tens of millions of people have filed for unemployment. Now that the US epicenter, New York, has declared it's “past the plateau” of new cases, some states have begun relaxing restrictions on leaving the house.Soon after President Donald Trump issued guidelines in mid-April to reopen the US economy, governors in Georgia, South Carolina, and Florida began moving to reopen some nonessential businesses like gyms and barber shops as well as tourist attractions like beaches. Other state leaders have joined in reopening some parts of their economies, including Gov. Jared Polis of Colorado, who on Monday reopened real-estate showings and curbside delivery at retail stores.But how long will it take for all 50 states to fully reopen, and how long after that will it take for the economy to recover?Analysts from Deutsche Bank, Morgan Stanley, Jefferies, and Bank of America expect the US economy to undergo a slow recovery.
  Some say US gross domestic product won't rebound to pre-coronavirus levels until late 2021, with the unemployment rate in double digits for more than a year. But others stress that if scientists can develop a vaccine soon, the recovery may take less than two years.Here's what the banks have predicted, including which businesses may never come back and when an economic recovery might arrive.]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 08:18:39 +0000
Subject: Stock picks to buy for high dividend yield amid coronavirus crunch - by: freemexy

Dozens of companies have suspended their dividend payments in response to how the coronavirus pandemic is affecting on their businesses, creating a new set of challenges for investors.Goldman Sachs says it's identified some of the companies with a blend of relatively large dividend payments that are also safe and relatively unlikely to get cut or suspended.Each of these listed companies has a dividend rate that's double what the typical Russell 1000 stock pays.Visit Business Insider's homepage for more stories.To get more news about WikiFX, you can visit WikiFX news official website.
  Investing can still pay off, but it doesn't pay like it used to.With the US economy at a near-standstill, corporate America faces an uncertain future and balance sheets are under unprecedented strain. One result is that companies are slashing their payouts. Dozens of S&P 500 companies have already suspended their dividend payments and cut their stock buybacks.In total, Goldman Sachs says spending on buybacks will be cut in half and dividend spending will drop 23% in 2020, to its lowest level in at least five years. The firm sees little prospect of improvement in 2021.But that general rule doesn't dictate what every single company will do. David Kostin — Goldman's chief US equity strategist — says investors who want dividend income should look at three criteria: high yields, safe balance sheets, and reasonable payout ratios.
  The appeal of the first group is obvious, as safe balance sheets and sustainable payout ratios mean there's less chance the company will have to cut its dividend payments because it's in dire financial straits.Kostin and his team scanned through components of the Russell 1000 index to find companies that satisfy all of those requirements. Their payments are far stronger than the typical stock, as they all have annual yields of least 4.5% — nearly triple the Russell 1000 median of 1.7%.The evidence for their strong balance sheets comes in the form of their S&P long-term issuer ratings, which are all BBB+ or higher. That's a comfortably investment-level grade.The payout ratios are also reasonable, leaving less risk the company will have to cut its payments to meet other obligations. In 2019 most of these companies' dividends were equal to about 50% of their annual earnings. That number is likely to shoot higher this year as earnings drop, but the 2019 figures are evidence of safety.
  These are Kostin's top 13 stocks that fit all three categories. They're ranked from lowest to highest based on the size of their annual dividend yields. At a time stock picking more important than it's been in years, that knowledge might pay off in a big way.]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 08:00:43 +0000
Subject: Want to handle the changeable forex market? - by: freemexy

  However, everyone is blinded by their bored appearance. In fact, they have rich historical heritage and far-reaching culture. Its rules are extremely challenging, which makes it more attractive. The forex market can be said to be the cleanest investment market: investors do not have to worry about the performance of each stock or insider trading between long and short futures. All investors see the same quotations and graphics at the same time in the world, even Warren Buffett is no exception. It is still an unparalleled financial market with an equally unparalleled size.To get more news about WikiFX, you can visit WikiFX news official website.
  Forex trading is not a fresh thing and was invented in ancient times. During the period of rabbinical Code, forex which was named “Convertor” already existed. The main function of “Convertor” was to help people who needed to exchange currency, while taking a commission as a return.
Around the 4th century AD, one monopolized forex company was controlled by the Byzantine Government.
  In 1472, the first regular bank, Banca Monte Dei Paschi di Siena, was founded at Tuscany, Italy. This bank is still running so far.In the 15th century, in order to satisfy the currency exchange requirements of textile merchants. The Medici Family opened a bank and the history trading was recorded in a special account book. This kind of account book can display forex accounts , as well as local currency accounts in foreign bank.
  From 17th century to 18th century, agents and businessman in Britain and the Netherlands had very frequent forex business.
  The history of forex trading in modern times.
  In America in 1850, a company named Alexander Brown & Sons started trading forex. This was seen as the first forex market participant. A leader of forex trading in the United States.
  In 1880, a trading system based on gold was been established. Therefore, most people consider that year as the beginning of forex trading in modern times.
  From 1899 to 1913, forex reserve had increased by10.8%. Gold reserve had only increased by 6.3%, this symbolized the forex market was getting more and more attention.
  In 1902, there were two forex brokers launched at London. In 1913, almost half of worlds forex transactions are conducted in sterling. This was of great significance to British capital market. The quantity of forex banks in British increased from three in 1860 to 71 in 1913.
  When the Federal Reserve system of the United States was established in 1914, the United States banking system began to print its own currency- Dollar.
  After the Second World War, the Bretton Woods Agreement was signed. According to the agreement, the exchange rates of currencies against Dollars can only fluctuate less than 1% above and below. But as time went by the Bretton Woods Agreement was eventually abolished, and the fixed exchange rate was replaced with a floating exchange rate instead.  1973 was a milestone in the worlds forex history. In that year, exchange rate constraints between countries and the limitation in forex trading and bank transactions were terminated. The global forex market entered an era of floating exchange rate.]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 07:24:22 +0000
Subject: Must-know tool of forex trading! - by: freemexy

WikiFX EA cloud host is the first cloud server tailored for forex trading. With preinstalled MT4 and MT5 trading software, the cloud host uses a remote Windows desktop to operate multiple EAs of forex traders in 24 hours. At the same time, WikiFX shield system released with the EA cloud host together will also be installed to perform real-time detection and analysis of EA data.To get more news about WikiFX, you can visit WikiFX news official website.
  According to the data, EA's global market share has reached 31.5%with a steady increase.Compared with manual trading, EA trading has obvious advantages.
  First, EA trading can run instantly within 24 hours, so you dont need to spend too much time and attention on the market. Second, EA trading can detect price changes and place orders more quickly; Finally, EA trading can help you avoid emotional fluctuations and trade more rationally. All the advantages indicate the future trend of EA trading.
  After seeing the trend, traders should try to avoid the shortcomings of EA trading, which is processed in a stable operating environment and network environment. Power outage or network disconnection will cause interruption of trading. So WikiFX EA cloud host comes into being.
Through the double models, WikiFX EA cloud host and shield, traders can enjoy a better trading environment to invest and analyse data in 24 hours.
  Powerful system performance:
  Each WikiFX EA cloud host is independent and has exclusive hardware, so it is not affected by any environmental factors; with excellent hardware configuration, the EA cloud host provide a stable operation under a stable network speed; After repeated debugging by WikiFX team, the cloud host can operate over 20 trading software linked and provide investors with more investment options.
  Network advantages:
  WikiFX EA cloud host network has covered 10 countries and regions including the Middle East, Asia Pacific, Europe, and America etc.. The WikiFX team selected the 10 best performing ones out of 100 nodes worldwide by tens of thousands of tests, providing investors with a better trading experience. According to the distribution density of global brokers, the 10 nodes are chosen in Shanghai, Hong Kong, Taipei, Tokyo, Singapore, Bangkok, Ho Chi Minh City, Washington, London and Dubai, covering more than 90% of global brokers. Due to the network advantages of EA cloud host, the average speed of investors order is 0.2 seconds faster than others. In addition, the EA cloud host has exclusive broadband to ensure stable network speed, and the execution speed of EA strategies can be about 5% higher than others.
  Keep your data safe:
  The EA cloud host is exclusive to a single person, and the investor has an independent trading environment. In addition, the preinstalled WikiFX shield of the EA cloud host can also monitor and protect the investor's trading system in real time, with an early warning function.
  The most important thing is that WikiFX also created a cloud disaster recovery mechanism with a ratio of 1: 1, which means that each user has a spare EA cloud host to ensure that investors EA trading can continuously run in 24 hours a day.
  The preset modular and pluggable structure can meet the diversity of future functions and different needs of investors.
  Complete the registration in four steps and start using it in 1 minute without complicated registration process. Traders can experience the WikiFX EA cloud host immediately.
In addition, WikiFX EA cloud host can be operated simultaneously at PC and mobile phone, and all information is available at any time. Investors can log in the cloud host at WikiFX APP by one click after linking. Without opening MT4 / MT5 or EA cloud host, you can view account information through your mobile phone.
  In the WikiFX APP, investors can view account information at any time, including total assets, net assets, available margin, floating profit and loss. In addition, investors can also view the position, transaction records, transaction costs, transaction speed etc. in their trading account whenever and wherever they like.]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 07:11:18 +0000
Subject: UniversalFX even wants extra 10% withdrawal fee after defrauding investor of $28,500 - by: freemexy

An investor complained against UniversalFX, saying that the broker charged extra “tax fee” before approving his withdrawal application.To get more news about WikiFX, you can visit WikiFX news official website.
  Event recap:
  One of his friends introduced to him a trader named Michael O Bolton, who worked for UniversalFX. The investor was invited to join a Facebook group, which provided customer service support to customers. The investor bought US$2,720 of BTC at UniversalFX. After a few months, his investment had grown to US$28,500.
  The investor filed a withdrawal application and was informed by Michael O Bolton that he needed to pay 10% extra tax fee before withdrawing. The investor was wondering why UniversalFX did not deduct it from his account balance, but needed an additional payment, so he asked the UniversalFX whether they can charge it from his account balance. But the trader, Michael O Bolton, rejected the proposal by saying that UniversalFX never allowed such a practice, and the investor was later blocked by Michael from the Facebook group. UniversalFX refused to approve his withdrawal application unless he pay the so-called tax.
  At the beginning of this article, WikiFX has mentioned that UniversalFX is a suspicious clone broker, which can be seen from the licence below. The broker truly regulated under this license is SUPER PTY. LTD.
  Per checking WikiFX App, UniversalFX has a poor rating of 0.99, and the broker currently has no valid regulation, bearing great risks. The broker is currently active on large social network such as Telegram and Facebook, please stay away!
The article evidence exposed by WikiFX is verified by the following processes:
  1: Evidence Collection: (Chatting history records, Trading history records, Banking Transaction records and recording videos from victim).
  2: These evidences will be evaluated and verified by expert who has been work in forex industry for many years.
  3: The editor will review it again before the article is published.]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 06:56:32 +0000
Subject: Pokemon Go Free Promo code for 50 Pokeballs now available - by: freemexy

The outbreak of novel coronavirus has halted the sector & it has positioned many countries into lockdown. However, now the governments of various international locations are starting-up regulations, as two months of lockdown has disrupted the global economic system. Covid-19 pandemic also stalled the development of many films, games & television shows. Nicely, pokemon cross, a game that is based totally on an idea of going out & catching pokemon has additionally were given stricken by this disorder outbreak.Try to find ways to save much money? discountscat is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about Keurig Coupons, you can visit discountscat official website.

As because of covid-19, gamers can’t project out freely to do in-recreation duties & capture pokemon. Earlier, Niantic made a few changes to the sport, such that players can experience the game from the house. Niantic has also added play at the domestic tab on their legitimate website.

Talking about the list of modifications, gifts are actually dropping more regularly from pokestops. Pokemon habitats were multiplied and greater pokémon are currently appearing in the wild. Aside from this, Niantic also brought 1 poke coin bundle, which supplied running shoes with a number of objects in an trade of one poke coin.

Further to this, Niantic additionally began to offer free promo codes for gamers. By way of using the ones codes, gamers can earn diverse rewards. But, those codes are handiest made to be had for a restricted time period. There is ideal information for pokemon pass running shoes, as a brand new code for the sport is presently live. Gamers can get 50 pokeballs with the aid of the usage of the subsequent code: k8g9dfv4x7l3w. It can be redeemed from right here.

This code is simplest available till might also 28 at 1 pm UTC. Other than this, pokemon pass servers will cross down on June 1 for the whole 7 hours. Recreation servers will stay under renovation all through this time. But, Niantic has now not formally discovered the motive for this upkeep.Want to get the highest quality products with the lowest prices while shopping?Click Here]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 06:37:15 +0000
Subject: Roblox Promo Codes May 2020 - by: freemexy

We might be 10 days into May 2020, but that doesn’t mean it’s too late to pick up some of the games latest and greatest free accessories and items to make your Roblox playing experience that much more interesting.Try to find ways to save much money? discountscat is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about Kohls Coupon, you can visit discountscat official website.

Every month we share some new Roblox promo codes so you can update your kit for free.This is the perfect way to save you some Robux, the in-game currency used by the game, but at the same time get some new inventory for free when you redeem.

Below we have shared an up-to-date list of active Roblox Promo codes for May 2020.

But before you check them out, you will need to know how to redeem the codes. Don’t worry, it’s super simple.Firstly, head to the Roblox website and log into your account.

Then, when you’ve got yourself logged in you just need to copy the codes below and paste it into the text field.After you have done this you need to go to your inventory to the exact area of where the item will be equipped.

For example, if it says Accessory > Shoulder, you have to go to Inventory > Accessory > Shoulder to view your newly acquired item.The list of Roblox Promo Codes in May are fairly short, in fact, there's only two.

Both free promo codes grant players with a new Shoulder accessory. These include

'Spider Cola', which is literally, the cross between a can of Cola with spider legs (yes, really) and 'The Bird Says____' which is like a little blue bird that sits on your shoulder.To claim both of these items, use the codes below. We've also included the item description for those of you who want more info.Want to get the highest quality products with the lowest prices while shopping?visit homepage]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 06:22:37 +0000
Subject: RageOn Money Saving Coupons and Discount Codes - by: freemexy

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The team here at Stuff New Zealand Coupons are constantly looking and searching for the best valid discount codes for RageOn to help you save money. Our experts source the very best money-saving codes, secret codes including email, student offers & social media promotions, all to save you time and money when you shop at RageOn.

Stores like RageOn often offer Promotional Codes, Voucher Codes, Coupon Codes, Free Delivery Codes, Money Off Deals, Promotion Codes, Promo Offers, Free Gifts & Printable Vouchers, and if they do – you can be assured the team at Stuff New Zealand Coupons will list every money-saving offer we can find. With big discounts to be had, and to be on top of all of the latest RageOn sales, Stuff New Zealand Coupons is the first place to visit for the latest offers.

Use Stuff New Zealand Coupons to find and share the best money-saving offers RageOn with your friends and family.

Trainers, the following Promo Codes can be redeemed on Niantic’s Rewards Portal now! These codes were shared via Facebook advertisements and collected in one place by jimcamx.The codes work for both Android and iOS players, since the Rewards Portal is a web application that can be used from both platforms. We haven’t tried redeeming them via the in-game store, since redeeming via the Rewards Portal is faster.

The promo codes were spotted through random Facebook advertisement, similar to this one:Want to get the highest quality products with the lowest prices while shopping? Click Here]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 06:02:53 +0000
Subject: buy lottery tickets online - by: freemexy

Peggy Staruch got a surprise this month when she discovered that instead of paying $3 for a lottery ticket, playing her lucky numbers has been costing her $6.50 a pop.Staruch bought three lottery tickets online in March and early April, using the new Ontario Lottery and Gaming Corporation website,, which was launched in January.Get more news about 菲律宾彩票包网服务 ,you can vist

She said she paid $3 per Lotto 6/49 ticket, using her Royal Bank of Canada VISA credit card. But when she looked at her credit card statement, she saw repeated $3.50 “cash advance fee” charges added on to the original cost of the tickets.

A cash advance typically refers to a person withdrawing cash from an ATM machine on a credit card. Banks usually charge a fee for the service, which can range from $3.50 to $10.

Staruch said she contacted OLG about the $3.50 surcharge, and a customer service representative said it was imposed by her bank. She said an RBC representative then told her OLG was responsible for the fee because the company had set up billing as a cash advance.

“I just would hate to see all these people being surprised. Some people don’t even look at their credit card statements. It’s ridiculous that you’re paying $6.50 for a $3 lottery ticket.”OLG spokesperson Ryan Bissonnette told the Star that the company does not charge any fees when people buy lottery tickets online, or deposit funds into their online player accounts.

“We clearly state that additional fees could be applied by their financial institutions. That’s something that you can’t miss,” Bissonnette said.

He explained that online customers can use debit cards, Visa or Mastercard credit cards, or Visa debit cards on the PlayOLG website. When someone deposits money into an online account using a credit card, the website includes a warning that “cash advance fees may apply,” he said.

The Terms and Conditions, which players must agree to in order to create an account, also state that “some credit card issuers may treat the funding of a Player Account as a cash advance and charge a fee for each such credit card transaction. Any cash advance fee or other fees relating to the use of a credit card are the Player's sole responsibility.”

“This is not in the fine print. It’s very prominently displayed on our page,” Bissonnette added.Lena Wan, an RBC communications representative, told the Star that gaming transactions, “such as the purchase of lottery tickets, betting and casino gaming chips,” are considered cash-like transactions.

“As such, these types of transactions are treated as cash advances by some credit card issuers,” she said in an e-mail, urging RBC clients to check with the bank if they are unsure about the status of a purchase.

Caroline Van Hasselt, director of media relations at CIBC, said the bank considers using a credit card for gaming purposes “cash like,” and therefore also bills it as a cash advance.

“If the merchant is classified as a ‘quasi-cash merchant’ like a lottery kiosk and you’re paying with your credit card, it’ll appear as a cash advance on your statement,” she said. “If our client has encountered it for the first time and was surprised, we can reverse the charge.”]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 03:52:53 +0000
Subject: Pennsylvania Lottery reports record sales after adding online - by: freemexy

The Pennsylvania Lottery announced Thursday that this year’s $4.5 billion revenue from Pennsylvania Lottery games hit a record, topping last year’s record $4.2 billion.Get more news about 菲律宾彩票包网平台,you can vist

A record $2.9 billion was paid out to winners, and 70 people won $1 million or more.Proceeds of $1.14 billion will fund programs that serve Pennsylvania’s elderly. That’s $49.6 million more than last year’s proceeds.

“Families across the commonwealth rely on the vital senior programs that are funded by the Pennsylvania Lottery,” Pennsylvania Lottery Executive Director Drew Svitko stated in a press release. “That is why we are extremely proud to have set a new profit record.”

He said the profits that will benefit older residents exceeded $1 billion for the eighth consecutive year.Sales commissions to 9,700 licensed retailers rose to $266 million, an increase of more than $41.8 million from the last fiscal year.

Act 42, which the state Legislature passed in 2017, expanded the number of games for the lottery to offer.Here’s a breakdown of some of the numbers:

? Scratch-off games earned a record of more than $2.9 billion, 66% of all sales.

? Sales of multi-state games — Powerball, Mega Millions and Cash4Life — grew by more than $82.2 million, more than 19% over last year.

? In the first year of iLottery, online gaming revenue totaled more than $381 million, with more than 91,100 new online accounts. The iLottery prizes exceeded $332 million.

? Keno and virtual sports games played in bars totaled almost $47 million in sales.

The results are based on the fiscal year, July 1, 2018, to June 30, 2019.

“We are thrilled that the new and exciting games that were authorized by Act 42 of 2017 are proving to be a tremendous success,” Mr. Svitko said. “We’re always working hard to find innovative ways we can responsibly grow profits to benefit older Pennsylvanians.”

Since the lottery began in 1972, sales have contributed more than $30 billion to pay for property tax and rent rebates, transportation, prescription assistance and care and meals for the elderly.The Pennsylvania Lottery operates as a bureau within the Pennsylvania Department of Revenue.]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 03:45:00 +0000
Subject: Oregon Lottery Expects to Debut Online Sports Gambling Tomorrow - by: freemexy

After repeated delays, the Oregon Lottery says its first foray into online and app-based gaming will launch as soon as tomorrow, Oct. 16.Get more news about 彩票包网服务,you can vist

Scoreboard, which will allow anyone in Oregon to place bets on professional sports, was supposed to be ready in time for the start of the NFL season—and is now debuting.

But this may be just the start of the Lottery's move online.

Records obtained by WW from the Lottery's correspondence with Gov. Kate Brown's office show Lottery officials hope to add to online gaming—offering Jackpot draws, Scratch-its and Keno online, as well as "second-draws" for losing tickets.

Lottery spokesman Matt Shelby says those ideas are in the early stages.

"Long term, we'd like to [offer other options online], but we don't have any specific roadmap to offer other products for sale via the digital channel," Shelby. "We have focused more on what we won't sell: Video Lottery-type games."]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 03:40:10 +0000
Subject: the online lottery irony - by: freemexy

The North Carolina Lottery Commission has hit a new roadblock in its effort to expand online gaming: Attorney General Josh Stein.The Democratic attorney general has come out against expanding online sales, suggesting that “digital instants” could run afoul of state laws prohibiting video sweepstakes, The Associated Press reports.Get more news about 彩票包网平台,you can vist

Digital instants allow players to try to win cash prizes from their computers or smartphones by dumping money into the games using their debit cards or checking accounts. North Carolina lottery leaders want to match other states that offer them and “tap a new generation of players comfortable with computers and mobile phones,” The AP reports.

But there’s a problem: The digital instant themes and screens look a lot like the like video sweepstakes games that legislators and law enforcement have tried for years to stamp out. Stein says they may qualify as video games that have been banned under separate state laws.

“The commission lacks authority to offer lottery games that qualify as video games,” he wrote in a Jan. 22 letter, pointing to legal citations.

“I am concerned that these types of games prey on vulnerable people and risk real harm to both communities and families across the state,” Stein wrote, urging the commission to oppose the online expansion.

The association representing the state’s police chiefs is also opposed to digital instants. Legalizing them “would make it virtually impossible” to enforce the current sweepstakes ban because players could click on lawful or internet games, said Roxboro Police Chief David Hess, president of the North Carolina Association of Chiefs of Police.

Lottery officials say the two types of games aren’t the same and the authorized online games would be under the state’s control and heavy regulation.

So, on the one hand, North Carolina lawmakers and authorities have been trying for years to eradicate illegal video sweepstakes parlors amid anecdotes of players, particularly in poor areas, emptying their wallets to play.

And on the other hand, the Lottery Commission is considering online games that look suspiciously like video sweepstakes. But that’s OK because the state is going to regulate them heavily — and rake in piles of cash.

Lottery officials estimate that digital instants could generate $80 million in net proceeds annually within five years. The state lottery earned $708 million for public education during the 12 months ending last June.

Like the current limited online ticket sales already allowed, digital instants would require minimum-age verification and set limits on money transfers to ticket purchase accounts.The North Carolina Retail Merchants Association opposes the expansion over concerns that online games might cannibalize sales for traditional lottery ticket sellers.

The debate has at least one positive effect: it’s helping to bridge the political divide. Both the liberal-leaning North Carolina Justice Center and the conservative John Locke Foundation oppose the expansion.

With the attorney general, police chiefs, retail merchants and groups across the political spectrum raising red flags, that’s a sign that North Carolina should put the brakes on expanding state-sponsored online gaming.]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 03:32:42 +0000
Subject: NC lottery takes step toward more online sales - by: freemexy

North Carolina lottery leaders took a key step Tuesday toward expanding online sales, but left themselves a way out if they aren’t satisfied with the details or face opposition from brick-and-mortar retailers or politicians.Get more news about 彩票包网,you can vist

The state lottery commission voted for the idea of offering “digital instants” through the lottery website without yet officially directing that these online games begin.

Lottery leaders have talked for more than two years about these online games, which supporters say could bring in new revenues as growth in some traditional lottery games has slowed or failed to meet expectations.

“We’re seeing some other games that we generally rely on a great deal dissipate,” commission member Morgan Beam said at the quarterly meeting. “We’ve talked for hours on end … I don’t see that path without some technological advancements in different types of games.”

Essentially the electronic equivalent of scratch-off tickets, digital instants allow players try to win big cash prizes from their desktops or smartphones. A commission subcommittee already has been looking at digital instants, which now are played in five other states. The North Carolina lottery already lets players buy tickets through its website for big biweekly or daily jackpot drawings. Gamblers can pay to play by using their debit cards or checking accounts.

A preliminary report by lottery fiscal staff projects digital instant sales could reach $780 million annually in its fifth year. The North Carolina Education Lottery sold nearly $2.9 billion in tickets during the last fiscal year, resulting in $708 million for public education — both records.

Commission members voted to direct lottery staff to present a business plan soon for digital instants that includes staffing needs, sales details and a timeline. They also want to hear from retail groups in the handful of states that already have such online games about whether they hurt in-person sales at grocery and convenience stores. Commissioners said a final vote to offer the games to the public still would be required.

The lottery presented data showing scratch-off ticket sales have kept growing in states that have also introduced digital instants. But the North Carolina Retail Merchants Association told commissioners it’s not convinced, saying lottery sales in states without digital instants are growing at or above what lotteries with digital instants are doing.

“If a current lottery player can sit at their residence on a Saturday and play an online lottery game over and over without leaving the comfort of their home, then traditional lottery retailers will eventually lose sales to this activity and it will be too late to reverse course,” association president Andy Ellen wrote.]]>
New Keyboard Mastery Lessons / Pay Per lessons Fri, 29 May 2020 03:22:51 +0000
Subject: Where can i buy British/US/CA/AU passport or ID card - by: freemexy
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Subject: outlook password recovery | Change microsoft password | yahoo password reset - by: bronmowgli outlook password recovery and after that just click on the option Mail Contact & Calendars. Now select your outlook email address and enter in the password under forgot aol password section.Now you will be asked to reset your outlook password.

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The forex broker I want to expose is called Investing1. Upon recommendation of others, I opened an account on this trading platform and deposited US$350,000 through several payments. At first I was “lucky” enough to keep on profiting for a whole day round the clock, and the next day I got a call from the customer service, telling me I was doing great in trading and should ramp up my investment to make even greater profits. Feeling encouraged, I made further deposits without hesitating, unconscious of the danger I would face....To get more news about Saudi Arabian, you can visit WikiFX news official website.

  Later, I ran into financial problems and contacted the customer service to withdraw some of my profits, yet it turned out extremely difficult. The broker claimed that I need to pay an additional “margin” to access the profits from the platform that is regulated by FCA, and urged me to transfer this so-called margin to their account registered on FCA.
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After ASIC tightened its regulatory measures last year, many Australian brokers have been adapting to the new change in different ways. The forex broker CHARTER announced on its website that the company will serve new clients under New Zealand‘s regulation, yet WikiFX investigation team failed to find the broker’s office at the regulatory address when visiting its branch in New Zeland. This time, WikiFX will check out CHARTERs office in Australia.To get more news about CHARTER, you can visit WikiFX news official website.
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  Regulatory information suggests CHARTERs licensed branch in Australia is located at Suite 408, 15 Lime Street, Sydney, NSW.
  We followed the map‘s direction to Lime Street 15, a rather modest-looking building situated in a quiet and pleasant neighbourhood. We entered the building and found, by checked the signs in the lobby, that CHARTER’s office was at level 4, so we took the elevator upstairs and saw the office at 408, which was our destination. We briefly talked to the staff members, and noticed that the neat and comfortable office had around 30 cubicles. Per investigation, CHARTERs branch in Australia truly exists.
CHARTER is a global forex and financial service group established in 2012 with its headquarters in Sydney, Australia. CHARTER uses STP trading mode and boasts speedy execution of orders. The broker currently holds MM license from ASIC, but its financial service license from FSPR is suspected to be a cloned license and therefore has considerable risks.
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