fabiochiu/medium-articles huggingface dataset:
Weed Talks — Episode 2 — Marcel Martel
By: Careen Gayle
Tags: Medical Marijuana, Cannabis, Thc, Weed, Cbd

Marcel Martel joined Lester at the Cannabis Wiki studios, to discuss the benefits of cannabis as a medicinal supplement.

Marcel Martel was born in Northern Quebec and now resides in Brantford, Ontario. His early love for cooking led him to be the culinary chef he is today. His journey started at age 16, culminating at Canada College.

Marcel Martel is a Red Seal Culinary Chef, and has worked for many culinary delight businesses, including Casino Windsor and the Cara restaurant chain. Marcel was against cannabis use in all manners, deeming it stupid, and he helped to continue the stigma, that cannabis “was the devil.”

Marcel was diagnosed with Brain Stem Glioma, which attaches to the brain stem. 1 in 400 usually survives this diagnosis. The medical treatment offered to him, chemotherapy and radiation made him feel the worst that he had ever felt. He was introduced to cannabis by a hippy type couple in a restaurant he was operating. The knowledge they provided him with the health benefits of cannabis intrigued him.

He learnt to make his own Rick Simpson Oil. Quickly within a day, he noticed an improvement in his mood; his appetite was returning. He is quick to mention that cannabis may not get rid of the tumor. However his quality of life is improved. Happily, Marcel’s tumor has not grown in size.

Marcel wanted to share his knowledge and excitement about what this plant can do for the body and mind. He vigorously went about forming the company The Devil’s Lettuce Cooking with Cannabis. He wanted to give people the power and knowledge to control their own medicine.

Marcel and his company can infuse any culinary delight you wish, from jams to chocolate and even BBQ sauce. He states there is no end in what he can infuse cannabis into. The customer provides the cannabis, and Marcel produces the medicine in any mouthwatering delight that suits your palate.

The Devil’s Lettuce Cooking with Cannabis will be delivering a medicinal cannabis cooking class. Our Kitchen located at 20 Roy Boulevard in Brantford will be the venue. Any information and tickets can be purchased through the site http://ourkitchenbrantford.ca/ or through contacting Marcel on his website or Facebook page.

Marcel and his company donates 25% of all profits back into the medical cannabis community. His goal is to rid the stigma attached to cannabis, through education and information.

Check out the original video here: https://cannabis.wiki/videos/weed-talks-episode-2-marcel-martel

Follow us on social media:

Instagram: @cannabis.wiki https://www.instagram.com/cannabis.wiki/

Facebook: https://www.facebook.com/strainexplorer

Twitter: https://twitter.com/strainexplorer

Read cannabis news, explore cannabis strains, find cannabis stores and learn about various cannabis related topics at Cannabis wiki.
CBD for Pets: Does it Actually Work?
Tags: Cannabis, Cbd, Cats, Dogs, Pets

Pet lovers of the world — we understand. We know you’re constantly looking for ways to improve the quality of life of your furry friends. They look to you for comfort and care, and that’s just what you want to provide. And sometimes that means exploring alternative medicinal options — like CBD.

CBD, or cannabidiol, is a natural and non-psychoactive compound derived from the cannabis plant. In humans, CBD is known to interact with the endocannabinoid system, which is responsible for maintaining homeostasis in the body and providing health benefits in many different areas. CBD products can be used to decrease the effects of anxiety, to reduce seizures, and to alleviate pain.

Our beloved pets can suffer from all of these afflictions. But will CBD work for them?

Animals and the Endocannabinoid System

Good news — the same endocannabinoid system that is present in the human body is present in all vertebrates! This is a most auspicious beginning when exploring the question of whether CBD will work for our pets. We know that CBD works by interacting with the endocannabinoid system, so if we were to find that some animals had no endocannabinoid receptors, we would have to write off the idea of those animals being helped by CBD.

Fortunately, whether your beloved pet is a dog, cat, rabbit, bird, or reptile, you can bank on one sure fact — they have an…

Read more here…
How has been my experience with CBD
Tags: Colombia, Cbd, Anxiety Disorder





About a year ago I was in Colombia in the middle of a situation of distress, I was the victim of a quite large robbery and COVID arrived, which caused my levels of anxiety, depression and stress to rise so much that I suffered from panic attacks every two days.



The recommendation I received was to do psychological therapy and consume a large number of medications that seemed excessive to me and that also left me with side effects such as dizziness, vomiting, loss of balance and constant headache.



In the midst of all this I met a great friend who recommended that I try CBD or cannabidiol to treat my problem. As I said, I am very scared and even ended up fighting with him for proposing such madness!



I spent two more months of uncertainty until he sent me the number of



They answered all my questions, they explained to me that my fears were illogical and that the power of nature is much greater than one thinks.



Now I live a quiet life, I am still in Colombia and in love with this country, I no longer use any type of psychotherapeutic drug and I manage to control my anxiety and depression with a couple of drops of CBD a day.



This is my story and I write it so that you too will lose your fear, let yourself be helped and consider the natural options that the world has put for us on this earth. I hope my experience helps you, a hug! I've always been a very fearful woman to try new things, especially when those things include things like marijuana or "illegal" things.About a year ago I was in Colombia in the middle of a situation of distress, I was the victim of a quite large robbery and COVID arrived, which caused my levels of anxiety, depression and stress to rise so much that I suffered from panic attacks every two days.The recommendation I received was to do psychological therapy and consume a large number of medications that seemed excessive to me and that also left me with side effects such as dizziness, vomiting, loss of balance and constant headache.In the midst of all this I met a great friend who recommended that I try CBD or cannabidiol to treat my problem. As I said, I am very scared and even ended up fighting with him for proposing such madness!I spent two more months of uncertainty until he sent me the number of CBD in Colombia to advise me on the use of cannabis for my problems. Against everything I risk and now I can say that it has been the best decision I made in life!They answered all my questions, they explained to me that my fears were illogical and that the power of nature is much greater than one thinks.Now I live a quiet life, I am still in Colombia and in love with this country, I no longer use any type of psychotherapeutic drug and I manage to control my anxiety and depression with a couple of drops of CBD a day.This is my story and I write it so that you too will lose your fear, let yourself be helped and consider the natural options that the world has put for us on this earth. I hope my experience helps you, a hug!
Setting up Priorities, fast!
By: Raj Bandhu
Tags: Prioritization, Life, Planning, Risk, Life Lessons

Photo by Brett Jordan on Unsplash

We cannot plan for everything. We can try, but life is there to punch you in the face.

There are numerous situations in a person’s life where they are caught off-guard, unprepared.

This happens in two ways: first: you had planned, but it didn’t work and now you are stuck. You were not prepared to deal with that situation.

Second: It just happened. Out of nowhere. Caught you off guard.

How do we cope with the two scenarios?

Don’t expect a simple answer, because there isn’t. The cringe is, It depends!

It depends on tons of factors. But I feel, what ‘can be’ a solution is: Prioritize and Execute.

Never jump head-on, do not react. Try to assess the situation and respond. Keep in mind that we do not set priorities based on reward, but on risk associated with every task at hand.

Here’s another skill(s), which is by far the most important in life: Risk Assessment & Risk Management.

These are boring, but crucial in Life. They [RA & RM] define your priorities, and deserve more attention.

Risk Assessment can be done in different ways, depending on the situation.

How you set the priorities depends on you, decisions are made based on what we know not on what we don’t know.

There is a lot of text available online, in books but then this planet hosts over 7.3 billion people. We are counting on ‘Odds’ to be in our favor, not the ‘Evens’ (is that even a word?). But I hope you get my point.

“ Life is what happens when you’re busy making other plans.”
Atlangeles: Home Away From Home
By: Dana-Rae Gipson
Tags: Atlanta, Self Improvement, Los Angeles, Risk, Travel

Atlangeles: Home Away From Home

I moved to Atlanta on Wednesday, June 5, 2019. I packed my bags and my pup and hopped on a plane saying goodbye to Hot Angeles and hello to Hotlanta. A few years prior, this was something I would have never imagined I would do.

My decision to move taught me a lot about taking risks and leaps of faith. Everyone was so concerned about where my boyfriend and I would live and how we would find a job. People were sure I was making a mistake and were very confident in sharing their lack of support and disbelief in me. I learned that you really do need to ignore the haters, even when they are your family or friends. Although I also had many supporters, the only support you really need is from yourself and your partner. As long as you plan and discuss your goals together and believe in each other in reaching those goals, there is nothing that can stop you. I used to let my family talk me out of making decisions but I realized their fear and concern does not have my best interests at heart. Yes taking risks and moving away from family is scary but I cannot sit at home in my comfort zone in fear forever.

We moved to Atlanta without a place to stay but we had an apartment by 1pm that day. My boyfriend Matthew moved to Atlanta the Saturday prior, June 1, and began the apartment hunt. He checked out apartments that he had found prior to his arrival but they did not pan out. Then on Tuesday he came across the apartment we now call home. It has everything we wanted plus more: gated community, pool, gym, dog friendly, a terrace and walking distance from everything. This taught me the importance of the magic of law of attraction and affirmations.

Before we moved to Atlanta, Matthew and I often talked and wrote about the type of apartment we were looking for. I believe that people are often afraid to ask for too much of what they want because that perfect item that hits all of our criteria seems impossible to exist or reach. But there is no such thing as impossible. We have the ability to make the impossible possible. Sometimes we don’t even give ourselves the chance to reach for what want because we have already told ourselves it is impossible before we even begin to try.

I am proud of us for taking this journey. Staying at home in the only place I knew, around the only people I know was not helping me develop into a stronger, more fearless person. I needed to change my surroundings and situations to broaden my knowledge and my abilities. It was not an easy decision to make and I do miss all of my family, friends and my favorite places but I know this decision needed to be made. I made the decision to step outside of my comfort zone because in order to become great I cannot continue to do what I have always been doing or be the person I have always been.
Lack of fear of embarrassment
By: Maximilian Rehn
Tags: Self Improvement, Fear, Risk, Learning

If you can’t handle the risk of embarrassment, rejection, and failure — you need to learn how.

“Caring what other people think of you is a security hole. Patch it or be exploited — including by mere script kiddies like sales & marketing departments or political campaigns.” [1]

Embarrassing moments are important, they are experiences to learn from. If you never put yourself out there you will lose out on much experience in a lifetime. So many discussions, ideas, projects that would give massive XP if you simply did them.

Usually the main factor stopping you is fear of embarrassment. And under a lifetime you will always have this feeling of potentially being embarrassed. Learn to learn from embarrassment. Learn to see challenges with risk of embarrassment in a positive light — something to look for, not something to avoid.

Additionally, how many people remember or care in the long run? People forget what they ate for lunch yesterday, I bet they forget that embarrassing thing you did last year.

Full disclosure: Learning from embarrassing moments is key. If you’re constantly embarrassing yourself in similar ways without progress then something is not right. Key word here is learning. Asking a stupid question a few times is smart. Asking it over and over is hitting your head against the wall.

There is risk here because you might think purely intellectually that you are not affected by embarrassment . However, your experience is molded by more than your thoughts — feelings and unconscious calculations are always present. In my experience if there is a mismatch between what you think and how you feel, the feeling will win in the long run.

So pay attention, put yourself out there as much as possible without wrecking yourself emotionally and go from there. There is hopefully no limit to what you can learn.

[1] https://twitter.com/patrissimo?

[2] https://www.goodreads.com/book/show/17859574-how-to-fail-at-almost-everything-and-still-win-big
Where’s The Risk in Patience?
By: Hamish Mackay-Lewis
Tags: Nature, Coaching, Risk, Patience

We humans aren’t particularly good at patience. Yet, it is a quality that is modelled beautifully in the other than human world. What can we learn from nature about waiting and patience? It’s a pertinent question, one that has been forced upon us by nature itself with this pandemic.

It is also a question that I was asked on a great podcast recently hosted by Catriona Horey and Elizabeth Wainwright called Unfurling. Here is the episode on Waiting and Patience if you would like to listen.

A bear I met in the wilderness of Colorado the year before last taught me what it means to really value something. He stood by my food in the middle of the night, and waited until I could no longer find the energy to defend it. I left the food and went to bed knowing I could always get a resupply, if needed. The bear, however, didn’t have the luxury of this choice. Consequently, he placed more value on the food than I did, which gave him an increased capacity for risk, for patience and for trust.

Nothing is taken for granted in the wilderness, and everything happens in its own time.

But in the human centric world we live in many of us, including myself, have more than what we need in a material way and with this, bizarrely, comes more impatience. We all know when something is scarce we tend to value it more highly, and when we have too much of something we tend to take it for granted. Over abundance can be a poison chalice that makes for a comfortable life at the material level, at the risk of a dissatisfying and vacuous one at a deeper level.

When we live in a distorted world where much of what we need is ‘on tap’, as it is for many of us in wealthy countries, we can actually experience more distrust and more fear. We have more to ‘lose’, or so we believe. How can we truly trust when we are disconnected from the sensitivities and seasons of our natural world; when we don’t have to wait in suspense to see if the rain, the sun or the frost will bring riches or ruin?

Despite our best efforts, we can’t actually de-risk life. If we try to, we risk the richness of life itself. What is life if we don’t value what we have? How can we know abundance, if we don’t know scarcity? How can we honour our life if we don’t accept our mortality? Or honour our health, if we can’t be with disease? Or new beginnings, if we don’t accept endings? These polarities are the very fabric of our world and must be embraced, rather than pushed in to the shadows. We can’t keep engineering our environment to only manifest one side of a polarity, it will only give us more of what we are avoiding.

Life without trust is exhausting. I know this from personal experience. We need to embrace discomfort and risk and all those things which are not within our control. As we come out of our winter lockdown we might ask ourselves how our lives have improved given the risks and pain we may have experienced these past months? What are we willing to be patient for? How might we stay in relationship with what’s important so we will always know its value?
How do we approach risks?
By: Pk Narayanan, Ceo Coach
Tags: CEO, Scaleup, Risk, Leadership

Business Owners on a Scale-up journey get exposed to multiple risks. Taking risks are part and parcel of Scaling-up. As the saying goes - no risks, no returns. When one prepares to face the risks, it gets qualified as calculated risk, informed risk, measured risk, calibrated risk and so on…

Could one avoid risks? Probably not. Then, the next best way is to manage them. By preparing to face the risks one could increase the stakes of managing them better.

It’s in preparing; it’s in perceiving, planning our preparedness; getting ready with mitigation measures, as meticulous as possible.

Is the fear of risk directly proportional to the level of risk? Not necessarily. That way, one doesn’t fear driving a car on a highway, yet fear a discussion that one needs to have with another! though the former has higher levels of risk in terms of accident / injury.

How do we prepare ourselves to face the risks? How do we know that we are prepared-enough?

Having presence, chasing clarity, simplifying things, brain-storming, and increased levels of engagement with the stakeholders might enhance the levels of preparedness.

And then, as Robin Sharma says— If we are not over-prepared, we are under-prepared — holds good with respect to taking and managing risks!

#scaleup #leadership #ceo

[If you want to discuss specific questions that you may have on scaling-up your business, write to pk@pknarayanan.com]
HARD BREXIT: WAYS TO COPE
By: London Governance, Compliance Academy - Lgca
Tags: Financial Services, Compliance, Risk, Brexit, Regulation

2021 New Year’s Day is going to greet the financial sector with the harsh reality of a long-dreaded hard BREXIT, and there is no way around it.

To mitigate damage and remain profitable, or to prosper, financial services firms will have to adapt to the new operational environment, adjusting their structures and business models to accommodate both customers’ and regulatory requirements in the UK and the EU.

Some key questions are:

What awaits the sector come January?

What risks do firms face?

What is “Equivalence” and what does it mean for firms?

How do firms retain operations in both markets?

Can firms survive and prosper?

Will there be blood on the carpet?

If you are a UK or EU financial services business looking for guidance, we at LGCA have got you covered.

Click here to view our Hard Brexit Webinar by the distinguished speaker Paul Grainger, CEO of Complyport, who is a specialist in cross-border regulation with over 30 years’ experience. He is Chairman of the Brexit Working Group of the Association Professional Compliance Consultants (APCC), former Chairman of the Financial Planning Standards Board for the UK (FPSB UK) and a former Director and Steering Council Member of the APCC.
Defensible Expands Coverage to All 11 Western States
Tags: Real Estate, Building, Wildfires, Home, Risk

We’ve been working hard so that you can be more informed and prepared for wildfires. Earlier this week, we expanded our building level coverage to Washington and Oregon. We kept up the momentum and completed the coverage of our model for all of the western US (excluding Hawaii and Alaska).

Now, if you live in Salt Lake City, Tucson, or Jackson, Wyoming, we’ve got you covered.

You can now easily come to our site, type in your address, and see you wildfire risk. It’s that simple.

Then you’ll go through your emergency preparedness steps:

Get your go bag together with the essentials

understand your escape routes

make sure you’re ready to get all of your pets and critical livestock

know where you can go for an extended stay

Unfortunately, climate change has exacerbated wildfire. We are seeing threats in places we’ve never seen before and where it’s common it’s gotten worse. So Defensible will likely expand our coverage even more, as we adhere to our promise to flip the risk equation on it’s head and deliver power to the people by informing them of the true risks.
Are Michael Saylor and Jack Dorsey lighting the fuse for a Bitcoin melt-up?…. revisited one month later.
By: Peter Harrigan
Tags: Stock Market, Bitcoin, Risk

Now that $20,000 #Bitcoin is in view, perhaps it is time to revisit this thread from exactly a month ago (https://twitter.com/harrigan_pete/status/1318272524182958080). Oddly enough, it seems to have held up fairly well, even though there is a lot left to play out.

Anyway, here it is:

Are Michael Saylor and Jack Dorsey lighting the fuse for a #bitcoin melt-up? Will there be a feedback loop like the feedback loop that melted down real estate in 2008?

To clarify, a positive feedback loop can push things up or down. It is any process where the result of the process drives the process. It’s a fancy term for a snowball effect.

With mortgages, as real estate prices rose, even mortgage securities made up of subprime performed well. This led to more investment dollars going into such mortgages, which meant more money available for real estate, which led to higher prices, and so on.

On the way down, it all reversed. Real estate began to erode in price. This meant fewer mortgages were bailed out by the market. Worse performance led to tightened lending standards, which meant less money for real estate. Then the foreclosures started, etc.

What does this have to do with #Bitcoin? Corporate treasurers have started to move some balances to Bitcoin. Certainly, @michael_saylor and @jack have changed the landscape.

As this news of these purchases spreads, and as the #Bitcoin price rises, other corporations will start to get uncomfortable questions about why they own none.

This will only accelerate as the price rallies. At $20K #Bitcoin, a few people will ask why a company has not invested. At $50K #Bitcoin, everyone will ask.

So, as the price rises, the pressure will increase to buy, which will drive the price higher.

Ta-da!!

Positive feedback.

But here is the interesting part. When a positive feedback loop CAN start, it very probably WILL start.

The market is FRAGILE to the feedback loop.

And, once it starts, it can rip.

Or, I suppose I should say….
Straight vs Cover Drive: A juxtaposition between generations
By: Vibhu Pandey
Tags: Confidence, Generation, Cricket, Risk, India

Though the basic rules of survival and parameters of achievement within generations have more or less remained the same, the substantial change in the backdrop went unnoticed, hoisting an unnecessary debate of comparison and establishing friction between generations.

This piece is not a comparison between the two cricket idols, rather one of the argument for “Why your parents recommend against investing in stocks/crypto when they are the reason you are capable to do so?!”

The Straight Drive

The circumstances were dire, the batsman more vulnerable, and batting less favorable. Sachin couldn’t risk with experimental shots as there was a time when the entire team depended on this one person. Playing by the books with restricted strokes was the only option. A win against all the odds has every justification for the euphoria associated for it invoked hope in billions of people.

The Sharjah’98 innings by Sachin was not merely an inspiring sporting event, but something that gave confidence to what India can achieve. For my elder cousins, Sachin is Sharjah. And for entire India, Sachin was hope. He was the confidence that went beyond Cricket. He was the never-give-up attitude for new India. This confidence to take risk is one of the most unfair advantages some have over other. It is what differentiates the privileged from the underprivileged. Sachin instigated this confidence and with that, the next generation can expose themselves a bit more. The next generation could play fearless cover drive.

The Cover Drive

Young India is fearless. Hungry to be the best and working towards it. Be it through the picture-perfect cover drive or an unconventional sweep over the third man. The team is not dependent on only one player anymore and that definitely provides the extra cushion to take risks!

Thanks to the over-expressive nature of Kohli for capturing the restless aggression of this generation to get “there”. As much as his commitment to be the best is inspirational, the discontentment with oneself when he is not able to perform to the standards he has set for himself is revealing of this entire generation, well this discontentment is also revealing of the confidence!

The Juxtaposition

This confidence is infused by the generation before us, for instilling in us the capacity to take risks though they never had the privilege to take risks themselves. For providing us with the option to fail when they never had one. For wanting us to become fearless when they could never forget their struggles.
How worried should you be of contracting COVID-19 after being fully vaccinated?
By: Will Assad
Tags: Covid Vaccine, Covid-19, Risk, Masks

It turns out that how we perceive risk, hazard, and outrage is at the core of the COVID-19 pandemic and our response to it. Consider 62-year old Edward who is at higher risk for COVID-19. He has spent the last 16 months following the recommended public health measures of masking and distancing. Now that he has been fully vaccinated, he figures he is more protected, but not enough to change his habits. Living in downtown Toronto, Edward wants to avoid large crowds, so he typically goes for walks late at night. Edward thinks that he has made a smart decision to protect himself.

But according to the data, Edward’s choice is not smart at all. The risk of being murdered on the street late at night (1 in 19000) versus dying of COVID-19 after being fully vaccinated (1 in 127000) isn’t even close. In fact, Edward is nearly twice as likely to be murdered on the street than be hospitalized with COVID, let alone die from it.

Data from the CDC and FBI. See the notes at the end of the article for context.

So why do we fear contracting COVID-19 more than being murdered on the street? Both viruses and murder are caused by other people; staying far away from others will mitigate risk. While we tend to think that avoiding dangerous strangers will keep us safe, the data shows that the majority of homicides are committed by someone you know (one’s best friend instead of a stranger on the street). Murders also don’t inspire the same outrage as COVID-19 because of the familiarity factor; we don’t have daily counters and graphs of the number of homicides and the homicide rate has not changed dramatically over time.

However, unlike a murderer, COVID-19 can come from anyone; there aren’t sick people who purposefully set out to infect you. The stranger on the street is just as likely to infect you as your best friend, and neither of them have the intention to do so. The thought of a stranger passively infecting you with a virus that might put you in hospital on life support, fill your lungs will fluid, and eventually kill you is outrageous.
Trading: Profit or Loss
By: Tarun Yadav
Tags: Stock Market, Profit, Trading, Loss, Risk

Stock market is a platform where investors come together to buy and sell shares. Shares are various kinds of securities which are traded in a controlled and secure environment. History of trading dates back to 13th century when venetian bankers started trading government securities.

In stock exchange, companies get their stocks listed to attract potential buyers. A buyer bids a particular price for a stock and the seller asks a specific price for the same stock. When the bid matches the asked price, a sale is made. In case of multiple buyers, process of sale works on the first-come, first- served basis.

By investing in shares, profit can be earned in 2 ways:

· Capital appreciation: If a person buys shares of a particular company when prices were low and if the price of those share rises then he can earn profit by selling those shares. There is no guarantee of capital appreciation.

· Dividends: One can earn in the form of dividends. Company distributes its profit to the shareholders. Mostly company partially distributes profits and keep the rest for purposes like expansion. For eg. If a company decides to give Rs.100 per share and the face value of the share is Rs.100 then it is called a 100% dividend.

You all must be fascinated after listening to the profits in share market but that is not the case always. The probability of market prices remaining lower than the buying prices always exist. Many lives got ruined because of trading without knowledge. During the market crash in 1992, many people who lost their everything in trading committed suicide. The bottom line is that trading without complete knowledge and expert consultancy is too risky, although these too are not the assurance of profit.
Changing My 9 to 5 Job To A Life in Stocks During a Pandemic
Tags: Stock Market, Motivation, Covid 19, Pandemic, Risk

Changing My 9 to 5 Job To A Life in Stocks During a Pandemic Janetchavarria Feb 22·3 min read

Jonathan at his home desk working on stocks. With a poster of motivation above him that inspires him.

For many people having a 9 to 5 job, 5 days a week is the goal that you’ve made it, and will successfully live a promising life for yourself and loved ones.

However, working for a company, establishment or cooperation does not promise a stable job or career. It can not guarantee that you will have a career with them without fail.

Jonathan Cervantes, a graduated construction engineer from the University of Cal Poly Pomona, realized that not all companies stay or will offer you business when uncertain circumstances come to be.

During the 2020 COVID-19 pandemic many people were furloughed, left without a job because there was no business to conduct, leaving thousands of people with no income or way to make it ends meet.

That is when he decided to change his career path into the stock market. Stocks had always been something that was fascinating to him and decided this would be the perfect time to fully commit, learn and take this trading as a serious career path.

Realizing that changing his career to a life in the stock market was about gambling money and facing lots of risk and uncertainty. Once reaching financial freedom from an employer and just for himself is one of the main motivations that keep him going.

“Knowing how money is traded and watching it fluctuate up and down is a crazy feeling but knowing you’re doing it for yourself and not anyone else is the best feeling.”

Learning many things like how to control your emotions, learning to be less egocentric and selfless is key while in this career.

Jonathan says that while getting into this career you will learn a lot about how your inner emotions and thoughts will control you and that will determine how good or bad you do that day. “Your inner demons come out and you can become very greedy and egotistical without even realizing.”

Once becoming self aware of that you will be able to properly succeed in such a fast paced industry.

Having to realize that just like in any other job you will have to be committed, dedicated and put in hard work is the only way you will really succeed.

Jonathan’s ultimate goal besides financial freedom is to make enough money to also help his parents retire as soon as possible, this being motivation enough.

His main goal is to become so informed of how stocks properly work and how to succeed in a job that does not require you to work at an office 5 days a week.

Be able to teach other low income civilians or anyone else who does not have this knowledge how to properly invest, learn and succeed in this field.

To give them the motivation and desire to work and invest for themselves rather than for someone else.
How to start to invest to Russian stock market
By: Sergey Botsyun
Tags: Stock Market, Russia, Interactive Brokers, Risk, Investing

How to start to invest to Russian stock market

Content

As you already know, there are many oppotunities in the emerging markets. While American stock market looks like a bubble and private investors seek other ways to park their wealth, we can find safe haven for money.

There are many companies in Russia which can quickly recover after next market’s correction, or pay some dividends without big risk. Yes, there are dividend aristocrats in Russia too. Their history is not as long as the history of the American companies, but it would be a good investment idea with a great div yield. Also you can buy companies which depend on commodity export and try to win some “reward for the risk”. For example, let’s take a look at “Nornickel” — it is a Russian nickel and palladium mining and smelting company. Everybody knows that nickel is used for batteries in electric vehicles so it is a great forward-looking company. It’s dividend yield is near average 8–10% and this is great for a “blue chip”.
How dare you not dare!
By: More Than A Thought
Tags: Boredom, Self Improvement, Life, Fear, Risk

How dare you not dare!

We all look for excitement, some of us find it in relationships, sports, or in the competitiveness of a workplace. But sometimes we ignore this flame that grows within us, that primal urge to do something dangerous or risky, to dwell into the unknown, and when we stop acknowledging these fellings life gets boring.

The problem is that we all seem to conform to the idea that life is about studying when we’re kids, graduating from high school, and then as grown-ups, we’re supposed to go to college and find a great job so that we can make money to buy things. We are also supposed to get married to the love of our lives and have children so that we can have a lovely happy family.

When in reality, life is about doing what you wanna do, no one knows better than you do about your own wishes and desires! How are you supposed to live up to your parents’ expectations to get accepted into a great college when all you wanna do is travel the world? It’s insane that we settle for what society tells us to do instead of following our paths in life. Great minds from the past decided to go against the stream to follow what they believed in, and some of them even paid with their lives for it. As a result, they revolutionized the world with their discoveries and studies, changing the course of humanity with their creations.

If life has been boring lately try listening to your primal urges. Do you wanna climb a tree? Do it! Would you like to declare your love for that special person? Do it! Are you into running naked around town? Do it! The point is, you only got one life and you should spend this life doing whatever pleases you. Like a child, do what comes to your mind without worrying about what other people may think, they’re gonna judge you if you do what is expected or not, so you might as well be satisfied with yourself.

A bunch of acclaimed fictional characters follows the stereotype of a free-spirit, no fearing badass, I do whatever I want whenever I want to, kind of personality, that’s not a coincidence, we are attracted to those that dare. It’s within us the wish to follow that voice in the back of our heads, telling us to just do it, but unfortunately, we chose to ignore it, and we are left admiring those that aren’t afraid of daring.

When I was an eleven years old kid, nothing would scare me more than the idea of having a “normal boring life”. I dreamt about being a superhero, not an accountant… Nothing against accountants, I just don’t think that spending my day in front of a desk is living life to the fullest. I don’t believe that anybody does, I think people conform to a boring life because that’s what everybody does. But by doing that, we deny our very own nature to explore, to discover, to create, to fear, to live, to be.

Do what you please, you weren’t born to comply and follow other’s peoples’ paths. You were given one life, don’t spend even a second trying to live up to other peoples expectations. Go out there and dare!
Credit Kudos Introduces New Credit Risk Score
By: Phoebe Allen
Tags: Credit, Fintech, Open Banking, Risk, Finance

Credit Kudos recently announced their newest credit risk scoring metric, the ‘Liquidity Score’. Using Open Banking data, the newly introduced Liquidity Score predicts how liquid an individual will be in the future, i.e. the likelihood an individual will remain above £0 or above their unarranged overdraft across all bank accounts. The Liquidity Score supports a holistic affordability decision taking into account an individual’s current financial situation and their likely future trajectory. It aims to both protect individuals against financial distress and provide lenders with richer insights into the financial prospects of borrowers. This is just the latest example of Open Banking technology helping consumers get better outcomes using the latest technological innovations.

Imran Gulamhuseinwala OBE, Trustee of the Open Banking Implementation Entity (OBIE), commented: “We are delighted to see how companies like Credit Kudos are using Open Banking technology to deliver products and services that help consumers better manage their finances. Open Banking’s secure APIs enable lenders to make enhanced affordability checks — mitigating the risks of financial distress and making a real difference to the financial well-being of millions of consumers.”

To build the Liquidity Score, Credit Kudos analysed hundreds of thousands of transactions, using advanced modelling techniques to uncover trends and patterns highly predictive of future outcomes. The Liquidity Score encapsulates two years of complex financial patterns in one interpretable number to help lenders more accurately assess affordability to prevent financial distress for those borrowers who have a likelihood of being less liquid in the future.

Credit Kudos offers three Liquidity Scores: 30 days, 90 days and 180 days. Each represents the likelihood that the applicant’s account balance will remain above zero — or above their unarranged overdraft, if an arranged overdraft is present — within the given time period. For example, if an applicant’s “30 Day Liquidity Score” is 90, we predict that it is highly likely that a borrower’s balance will be above zero (or above their arranged overdraft) within the next 30 days.
Advantages of Quantitative Risk Assessment
By: Kendis Team
Tags: Management, Scaling Agile, Qra, Risk, Kendis

When creating a project, encountering risks is inevitable. With growing technologies and newly evolving working methodologies, risk management has become extremely important. Risks need to be identified and mitigated properly or they can gravely harm your progress. These risks need to be addressed with utmost clarity and transparency. Today, many companies focus on removing these risks as early as possible. A very effective technique that can help you do this is with Quantitative Risk Assessment.

What is Quantitative Risk Assessment?

Quantitative Risk Assessment (QRA) is finding, assessing and analyzing the risks. With this useful technique you are able to predict precisely in a quantifiable way how the risk will affect your work’s progress. The results generated from this method are made after keeping a variety of assumptions and constraints in mind thus ensuring the validity of the results made. It helps to make cost effective decisions and manages the risks for the project. This helps identify preventive measures thereby reducing the likelihood of affecting the company and its team members.

How is Quantitative Risk Assessment Done?

The risks are identified and recorded into a list. From this list, risks need to be prioritized and then fed into a Risk Register. These risks are then ranked according to their level of severity and impact by using probability distributions to calculate the risk’s impact and probability. It also utilizes constraints like schedule, cost estimates and other resources.

Advantages of Quantitative Risk Assessment

Below you will find a comprehensive list of benefits that you get with QRA.

It helps identifying potential:
Round 1 & 2: Just a warm-up?
By: Les Thread
Tags: Speed Dating, Dating, Women, Risk, Lesbian

Okay, so back to the really good stuff. After my first failed attempt at a 5-minute date (the story does have a good outcome, so just keep reading to find out more). I had a brief 30 seconds to down a gulp and start to choke as the concoction decided to proceed down my windpipe just as my computer decided to buffer me into my next intended. (Oh Bridgerton, how you have changed the way I speak about love and courting, not to mention dance cards!) She smiled at me as I managed to keep it together. As my eyes started to clear and I could see what was happening in front of me… I perked up a bit. Okay, this person looks nice and interesting. “Let’s do this!” I had all kinds of questions, but I let her take the lead, after all… what was I even doing here? “lookin’ for love in all the wrong places, lookin’…” nevermind I won’t finish that song. Tip: listen carefully and remember the details, they may come back to help you later on.

We had a pleasant conversation about traveling and poor movie choices/recommendations and before we knew time was up and I felt stuck. As our little windows reappeared in the group call, I could not help but feel sort of sad I was not able to talk to that person again, like right then and there. Speed Dating during the pandemic does not allow you to chase after the person post-event, so you have to wait… and wait, AND hope that person is as good at replying as you are sending. Tip: Follow-through, do not wait. Matches at an online speed dating event have expirations. Honestly, I spent the rest of the evening just focused on her whenever we had the chance to meet back up in the group call. There is no way to flag someone down, unless you try to message them privately — — I did not know this was an option until later. So another tip: Message them immediately if you want their information, don’t wait.
Drawing up Real time Risk Weighted T&Cs for Merchant Banks
By: Tanushree Datta
Tags: Merchant Acquiring, Cards And Payments, Hyper Personalization, Risk, Pricing Model

The Cards and payments industry, by dint of sheer operational complexities and significant extraneous stimuli, has always posed special challenges for driving AI actionability.

This extreme complexity stems from the interdependence between various players in the value chain.

Attempted a rough mapping of some of the larger players and their key operations within the industry.

It makes sense to understand this complex value chain. An overly simplistic transactional flow could look like this:

One of the key problem statements I have repeatedly heard some Acquirer and Processor clients raise in the past few years is that of finding a smart, yet expeditious way of acquiring merchants, and making optimum risk-weighted offers to them. The intent is to help expand the acquirer’s market to onboard the maximum number of merchants, while ensuring ‘bad cases’ are filtered out or priced appropriately.

That would entail risk neutral pricing and T&Cs.

But first, it is important to understand the components of the T&C price. This would comprise two key components — Price for “services” and Premium for any risks undertaken by the acquirer.

Pricing of services needs to factor in cost of services such as ‘transaction authorisation’, ‘collection of sales slips’, ‘clearing of transactions to associations or issuers’, ‘helping in settlement of transactions’, ‘reporting’ and other case specific. Risk premium is estimated using various metrics and models to ensure coverage of a broad spectrum of events and market triggers as depicted below:

The key unknown factor for building the personalized T&C is individual level risk scores for each new merchant.

Net risk indexes are created for each new prospect based on identified risks as well as potential of business.

The latter would include indicators such as monthly transaction amount processed, average card transaction value, industry (ex Travel industry normally witnesses higher chargebacks than stable business like FMCG), outlook of the country a business operates in, demand and growth projections for the merchant etc

Various T&C structures can be designed in real time using AI models to recommend the most optimum contract that represents adequately covered interests of both Merchant and Acquirer.

Our solution flow is depicted below:

The process runs on an AWS TPU environment and is built using some native AWS services and Python/Dash programming.

The key outcome is to generate a real time risk weighted T&C for each merchant who signs up, expediting the offer process. Additionally we linked the offer with the closest available ‘advisor’. This allows for interventions in case of counter questions by merchants.

Some of the additional questions answered through this application, for the same project, included the following:

PS: Visuals and workflows are sanitized for all proprietary data and outputs; and meant to be emblematic.

#Risk #Cards #Payments #RiskPricing #Pricing #MerchantRisk
PROFIT
By: Maaz Ali
Tags: Hard Work, Money, Profit, Risk, Billionaires

Any profits earned funnel back to business proprietors, who choose to both pocket the coins or reinvest it lower back into the commercial enterprise. profit is calculated as overall revenue much less total fees.earnings describes the financial benefit realized whilst revenue generated from a commercial enterprise activity exceeds the costs, prices, and taxes involved in maintaining the interest in question. https://universalblogs321.blogspot.com/

what does earnings let you know?

earnings is the money a business pulls in after accounting for all costs. whether it’s a lemonade stand or a publicly-traded multinational employer, the primary purpose of any commercial enterprise is to earn money, therefore a enterprise overall performance is primarily based on profitability, in its various paperwork. https://universalblogs321.blogspot.com/

some analysts are interested by pinnacle-line profitability, whereas others are interested by profitability before taxes and different costs. nonetheless others are best concerned with profitability in spite of everything expenses had been paid.

the 3 foremost kinds of income are gross profit, operating income, and internet income — all of which may be determined on the income assertion. each income type offers analysts more facts about a employer’s performance, specially whilst it is as compared to different competitors and time durations. for further details visit https://universalblogs321.blogspot.com/