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submitted by Mase2592 to u/Mase2592 [link] [comments]
What brings Bitorex Reviews for beginners and experience traders
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TIO Markets: the next-generation of FX trading.
Q : If TIOMarkets is the first company to offer FX trading using crypto, why don't we switch the domain to dot com (.com) instead of dot uk (.uk) ?A >> We are switching to dot com (.com). The website is still in progress. What you see now is not the website that we are going to be launching with. So, don't worry about that.
Q : What is the symbiosis between the tradeio and TIOMarkets?A >> The biggest thing that I want to mention is the Liquidity Pool. Although there's different companies, and there's different entities, the registrations are completely different. Even the platforms are different between TIOMarkets and tradeio. However, what happens is as TIOMarkets gets bigger and stronger, and there's more volume, there are more clients. People are trading and the company is making money, the profit from that is going to go back into Liquidity Pool. Anybody on trade.io Liquidity Pool is going to start benefit in a big way when they start seeing that daily income get bigger and bigger. So, I would say that it's probably the biggest symbiosis there.
Q : Tell a little bit about TIOMarkets and how we are planning to make it really big.A >> For TIOMarkets, we have been preparing for the launch for a long time and we really want to make this something very different. We have come up with innovative packages and innovative methods that appeal to traders. Without letting too much of the cat out of the bag, I just want to say that we have actually come up with certain subscription packages that really allow traders to experience some very innovative features and benefits.
Not only that, whatever that we are pushing out to our trading community, allows you to be able to trade with really low commissions. Commissions can be as low as 0 per standard lot. And spreads will be very low as well. And not only that, we are pushing out some really very innovative features.
We have actually talked to some traders about the features and they loved it. For example, one of the features is that it actually allows you to be able to (what I call), " add an undo" button for your trade. So, just imagine this scenario, imagine that you are actually trading and within the first 60 minutes of you executing your trade, if the market actually goes against you, if you actually took up insurance for the trade (for just a very small insurance premium), you will actually have the ability to undo your trade. And whatever floating losses you had will be reimbursed back to you.
Not only that, we believe that traders should be given a chance. Even if they make mistakes. So, just imagine this, within the first month of you trading with us (TIOMarkets), you somehow experience a margin call, or you lose what you put in, what we will do is that we will actually reimburse 50% of your first time deposit back for you to trade again. Why we do this is because we want to make it a point for our traders to have a second chance. We believe that everybody deserves a second chance to be able to learn as they go along. These are just some of the innovative benefits that we have come up with.
Q : How is the 10K users target going to be attained, apart from the 3 months free?A >> We are going to start on 2nd of April. We have 6 big pre-registration campaigns and each of those campaigns have a slightly different message, tone and they are going to be targeted to slightly different people target groups. So the idea is, whatever attracts you the most is the thing that helps you to click. So we've got a wide range of messaging, channels and platforms that we're using to get the message out and we are really going to go as big as we can to try and get the numbers in. We really believe that the numbers will be big for a lot of reasons.
And just to add to the previous question about what makes us different, some of here at the trade.io office have FX background. Like myself, we have been involved in FX before. We know the industry, we know what talks and what doesn't talk, we know what works and what doesn't work. We have seen that there is a lot of fatigue in the FX industry. The people are sick and tired of attempting to trade, and for various reasons (maybe that trade is not getting through, etc). Any reasons that makes it frustrating for the trader, when they just want to trade FX. And we are coming in here from this angle. We know the industry, we know what's possible and what not possible from a brokerage perspective. We are going to try to completely overcome any of those issues. Our solution to that problem is essentially the subscription package.
Here's the theory, that you are trading and where your usual FX brokerage is taking out their commission (maybe they are paying commissions for IB, maybe they are widening the spread, maybe they are taking money from here to try and meet their other target they've got). We are saying that none of that. We are not taking anything out. Our subscription package is very transparent. It is once per month at a fixed cost, you know what exactly that cost is and it is at very good price. And thereafter, your trading is essentially free. This will be really cheap and there will be big savings to be made.
This isn't anywhere else in the FX industry at the moment. It will be completely unique to us and it will be something that is extremely attractive to season traders. And for the millennials or the aspiring traders (who don't know how to trade yet), it will be appealing as well because we are saying we know what the issues are, we know what the problems are in FX. If you trade with us, thing are clear, things are clean. We'll support and educate you and you will have a much better overall experience.
That's our positioning. Aside from that, we've got the FCA Regulation, which is absolutely huge. I'm just personally speaking having worked for a couple of FX companies in the past that didn't have the FCA Regulation, it was always something that clients keeps asking for. So that is one that is really significant for us.
**Terence adding in to Helen's explanation >> Coming from the viewpoint of a lot of us have in the FX industry, one way or another, we really want to come from the angle where we want to be able to create a perfect trading environment for traders. At this point of time we are putting the focal point on our traders creating an environment which is great from them in terms of trading and not like other brokers out there where the emphasis is mainly on profit. Whatever we do such as the subscription packages and the other innovative features that we have are all from the view of a trader.
Q : What makes us stand out from the competitors?
A >> Its going to be our subscription package that isn't available anywhere else. Secondly would be the TIO reimburse (that's what Terence talked about before).Next would be the TIO Shield. That is our fancy name for the really cool feature whereby if you trade on a specific currency pair and if it all goes wrong, you will get your money back (essentially minus a small premium). These are the 3 big points that differentiates us aside from the other stuffs I've said about our tone and angle.
Q : Should we expect TIOMarkets to be fully operational on the 9th of April?
A >> We are opening the doors for pre-registration on the 2nd of April. We've got a little surprise campaign coming out a little earlier than that. That's all I'll say about that for now but then there are 10,000. We don't know exactly when that will be. We believe that it will be sooner rather than later. Even so, one week wouldn't be long enough, so give us a couple of weeks and then we will fully open the doors and let you know when that will be.
Q : The profit for trade.io will just come from the subscription and not from the spreads?
A >> It comes from both, actually. The profit from the company comes firstly from the subscription packages. And then secondly, we are going to be offering what I am calling an "ala carte" option which is maybe you don't want to pay monthly, that's fine. You can just trade on-the-go as you go. And the spreads will be a little wider but we're going to be fully transparent and honest about that. So, it's your choice which you prefer to trade.
** Additional point from Helen >> It is going to be green (beginner) user friendly and we're creating some pretty cool educational packages. Pretty much everything we're doing, we are saying right. What is different to what we've done before, what is different to how the others are doing it. How can we make it more interesting, less jargony and more fun. Thus it will be definitely friendlier to new users.
Q : Who is our liquidity provider?
A >> that is way out of the marketing remit perhaps. We (Helen and Terence) are unable to answer that.
Q : What is our plan to get partners onboard?
A >> We actually have a very big plan in terms of having joint venture partners and affiliate onboarding because we believe affiliates are going to play a very big part of our whole entire strategy. So we actually have plans that will be launched in Phases.
We'll be paying our joint venture partner and affiliates CPA commissions. Those of you who are in the industry will be familiar with that its Cost Per Acquisitions(CPA). So depending of the numbers of traders or clients that you refer to us and which country they are from you will be paid one time CPA commission. This is kind of controversial in the sense of we don't pay out IB commission because what is mentioned earlier, we basically want to create a great trading environment for traders and probably those of you who know that when IB commissions were paid it has to come from somewhere and very often is comes from the traders. So in our case we are just paying one time CPA commission. Later on down the road, we will launch other hybrid commission program as well. In terms of the CPA commission we'll also allow our partners to be able to have sub-affiliates as well down to about 2 tiers. In other words, not only you will be able to refer traders but you will actually be able to refer sub-affiliate as well.
Not only that, previously like Helen mentioned we actually have a lot of different funnel which we coming out with and those funnel will be made available to our affiliate as well so we'll be testing those funnels and we'll let you know whichever funnel that works, we'll provide you with the emails plus we provides you with the banners and landing pages. So all you have to do as an affiliates is to mail to our databases or however you're going to drive the traffic to your landing pages and after that the company will take over to help you convert those leads into actual clients for you.
It is really exciting in term of the partners. We are giving all the resources they need, we are making the resources as attractive as possible, to make it easiest as possible for them to make lots of money. That will help us a lot. And just as at the partnership side, we've got an exciting addition to the team over here. We've got a new Head of partnership that started with us today in fact and she is a bit of a of a big deal in FX. She has got some of the incredible contacts and networks so that we can really hit the ground when it comes to the partnership.
Q : When is our website is going to live?A >> Firstly, we are going to have what we called landing pages go live on the 2nd. They are individual pages not connected to a bigger website specifically and their purpose is specifically to lead generate. So there we will be going live. For the actual website is as you all know is a big project and a work in progress so that's going to come a bit later.
Q : How are we going to differentiate ourselves?
A >> I've seen it three or four times now on the chat they are very worried about how we are going to differentiate ourselves. We will! You can trust that we'll because as I said we've been there and we've done that. We've been in FX before. Many of us we don't want to be like the other brokers. We going to be different not only our offerings and our products but in the way that we express those things. From the tone to the visuals to the actual offerings. It's going to be a breath of fresh air in all aspects apart from the actual platform we're using which is a very well-known very popular platform and of course the instruments are going to be popular instruments that will also be offered by the brokers we can't differentiate there, we don't want to. So, you'll see.
Q : Will hedging be available and what is the maximum leverage available ?A >> Yes and the maximum leverage 1:500
Q : Is there any plans to collaborate with another full bright firm like another Forex firm or other to boost our trade volume?
A >> No plans to partner with another FX at this stage to boost our trading volume.
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Directors often get a lot of credit when a film is successful or blame if it fails. But the reality is that throughout cinematic history, out LBGTQ+ artists and women haven't been allowed hold the prized gig. Even now, it's still rare for an out director to get a chance to direct a film and even more rare that one gets nominated for an Academy Award. However, a close examination of the past shows the work of LGBTQ+ directors back through the Silent Era. And not only were they working, but these creatives were in high demand, helping to craft what we know of as Old Hollywood.
When most think of Old Hollywood, they are usually thinking of a timeframe in the 1930s and 1940s. But Old Hollywood generally extends from the Silent Era up to the 1950s before the French New Wave really got started. It is this categorization we've used for the purposes of this list.
LGBTQ+ film artists and craftspeople frequently worked within the film industry without hiding that they were LGBTQ+, but not necessarily speaking out that they were. Their orientation was considered an "open secret," and as such allowed them to progress. Some hid their orientation, but none of them were allowed to live openly in the ways many live today.
Dorothy Arzner (Born: January 3, 1897 – Died: October 1, 1979) was the only female director in Hollywood from 1927 until she retired in 1943. After World War l, she worked her way up through the film studio ranks as a script typist, reader, script supervisor and finally as a cutter and editor of films. She directed her first film in 1927 after forcing Paramount to advance her to the director's chair when she received an offer to direct from Columbia. Arzner boldly told the New York head of studio Walter Wanger, who offered her a spot in the scenario department: "Not unless I can be on a set in two weeks with an A picture. I'd rather do a picture for a small company and have my own way than a B picture for Paramount."
Arzner's orientation as a lesbian was an open secret. While she never admitted it publicly, the artist wore suits with pants which was normally considered shocking at the time. She had relationships with women — some were actresses in her films — but since she was so talented and successful, no one could deny her. Arzner was the first woman to join the director's guild as well as the first (and for decades sole) woman to enjoy a long and successful career as a director in Hollywood until more women entered the field in the 1970s. Arzner lived with her partner Marion Morgan, a choreographer, for forty years. Their home, designed by Morgan, is part of the Los Angeles Conservancy as a historical landmark. She was also said to have invented the boom mike during the filming of The Wild Party, the remake of the silent film that she had edited. That also meant that Arzner was the first woman to direct a sound film.
Arzner gets credit for launching the careers of such beloved stars as Katherine Heburn, Lucille Ball and Rosalind Russell. Her best known films are Dance, Girl Dance, Christopher Strong, and Craig's Wife. After she retired from filmmaking, she was a film school professor at UCLA and Frances Ford Coppola was one of her graduate students. Arzner encouraged the young director and he still reveres her name to this day.
Anthony Asquith (Born: Nov. 9 1902 – Died: Feb. 20, 1968) was the son of H.H. Asquith, Prime Minister of England from 1908 to 1916 and grand uncle of Helena Bonham Carter. While not as well known today, Asquith expertly directed his most well known films "Pygmalion", "The Importance of Being Earnest" and "The VIPS" with Richard Burton and Elizabeth Taylor. Asquith directed a grand total of 37 feature films.
After Asquith finished his schooling, he went to Los Angeles and stayed at the home of Hollywood sweethearts Douglas Fairbanks and Mary Pickford for six months. There, he got a film education at the studios while watching how films were made and by meeting luminaries like Charlie Chaplin, Ernst Lubitsch and Lillian Gish. Like Arzner, he worked his way up in the film company British Instructional Films, first as a stunt double, assistant director and script doctor. While Asquith is now considered the director of "Shooting Stars" in 1927, the film was originally credited to A.V. Bramble. He made three other silent films in his name for BIF before leaving for Gainsborough Pictures and then to Alexander Korda's London films where he made "Moscow Nights". "Shooting Stars", a meta-film about the film industry, was considered a film that was as important as similar films by Alfred Hitchcock and Michael Powell by film historians. It was many years later that a British film critic, Raymond Durgnat said that "Shooting Stars" "out-Hitchcocks Hitchcock, before Hitchcock became Hitchcock".
Asquith was one of the foremost interpreters of the finest and most popular British and Irish playwrights, Oscar Wilde, George Bernard Shaw and Terrance Rattigan. He was known as a superb craftsman as a director and a loveable and unfailingly gentle and polite man.
He was the first British director to join a trade union and helped get better pay for below the line crew members. According to family friend Jonathan Cecil, he repressed his orientation throughout his life and was a heavy drinker.
George Cukor (Born: July 7, 1899 – Died: Jan. 24, 1983) was an incredibly successful director whose orientation never kept him from directing important studio films. He first directed a film in 1931 and continued his career for 50 years. He directed 50 films and was uncredited or otherwise left the production on 12 other films. He was nominated for the Academy Award for Best Director five times for "Little Women", "The Philadelphia Story", "A Double Life", "Born Yesterday" and "My Fair Lady". Cukor won the Best Director Oscar for his work on My Fair Lady. Some of his other and most famous films are "The Women", "Gaslight" and the remake of "A Star Is Born", with James Mason and Judy Garland.
Cukor began with a career in theater in New York and worked his way up, starting from a job as an assistant stage manager and graduating to forming a production company that became Cukor-Kondolf Stock Company and directing six Broadway productions. He worked with Bette Davis and she claimed to have been fired, so he never worked with her again.
Hollywood came calling and Cukor signed up for a six month apprenticeship. He became a dialogue coach, then a dialogue director and then a co-director on three films. Cukor was a gay man who never denied that he was LGBTQ+. He was arrested on "morals charges" with actor William Haines after the two were assaulted by navy sailors in Long Beach in the 1930s according to his biographer Patrick McGilligan. He enlisted in the Signal Corps during World War ll and never rose above the rank of private. He always felt that his orientation kept him from receiving any commendations or promotions. He made uncredited contributions to two of the most popular films of the era "Gone With The Wind" and "The Wizard of Oz". He coached Vivien Leigh and Olivia de Havilland privately after he was fired as director in addition to removing Garland's blonde wig. He also encouraged her to act in a more realistic fashion and altered Margaret Hamilton's makeup and hair before leaving the film.
His home was the social gathering place of many out members of Hollywood and he had friendships with many of the top stars and craftspeople of the era. Spencer Tracy and Kathrine Hepburn both lived on his estate.
James Whale (Born July 22, 1889 – Died May 29, 1957) was a stage director who came to Hollywood to direct his famous and successful stage play, "Journey's End". He had cast an unknown actor, at the time, named Laurence Olivier in the play in England. Colin Clive, who later was to star in Whale's films in Hollywood, took over the role when Olivier left the play. Whale also worked his way through being an actor, set designer, and builder before becoming a stage manager and finally a director. During this time, he became involved with and engaged to stage and costume designer Doris Zinkeisen for a year while living as a gay man in public.
He came to Hollywood and was hired by Paramount Pictures to act as a dialogue director as films transitioned to sound. While at Paramount, he first met his long term partner, producer David Lewis. Whale was hired by Howard Hughes at RKO to direct the scenes that were added to Hughes' film "Hell's Angels" to make it into a "talkie" and producers of "Journey's End" realized that his experience with the successful stage versions of the play made him the right director to make the film version of the play. They were correct and "Journey's End'' was wildly successful critically and at the box office. Whale lived his life in Hollywood as a gay man similarly to Cukor, as an open secret that he made no effort to hide. Whale and David Lewis lived together in Los Angeles and their relationship, which started in 1930, lasted until 1952.
He is perhaps most famous for the classic horror films that he directed for Universal: "Frankenstein" "The Invisible Man", and "The Bride Of Frankenstein" which many consider his masterpiece, but he also directed the first full sound adaptation of the musical "Show Boat" that starred Irene Dunne and Paul Robeson. New York Times film critic Frank S. Nugent called Whale's "Show Boat", "one of the finest musical films we have seen". Despondent and in ill health after his career in Hollywood came to an end, Whale died by suicide in his pool at his home in the Pacific Palisades. The story of the end of his life was made into the fictionalized film "Gods And Monsters'' based on the book "The Father of Frankenstein" by Christopher Bram. Even though Lewis and Whale were estranged when Whale died, Lewis eventually released the contents of Whale's suicide note. After Lewis' death, his executor and Whale's biographer, James Curtis has Lewis' ashes laid to rest across the aisle from where Whale's ashes were interred.
Jean Cocteau (Born: July 5, 1889 – Died: Oct. 11, 1963), French poet, artist, illustrator, playwright, author, critic and director that was constantly creating in different artistic fields. Cocteau was part of the avant garde, Dadaist, and surrealist art movements but he was also a filmmaker. He made the black and white classic "Beauty and the Beast'' in 1940, but made his first feature in 1930. Cocteau always considered himself a poet.
While he never fully acknowledged it, Cocteau wrote "Le Livre Blanc" or "The White Paper", which many consider a confession of his orientation as a gay man, but that one author, Rictor Norton, sees as a treatise on homophobia. Cocteau included "Le Livre Blanc'' in his official bibliography that was part of his set of "Complete Works". Like Arzner, Cukor and Whale, Cocteau lived his life as an LGBTQ+ artist as an open secret. His longterm lovers were Jean Marais and Édouard Dermit. Jean Marais was considered Cocteau's muse and starred in "Beauty and the Beast" and "The Eagle With Two Heads", after Cocteau discovered him working in a play.
Cocteau came to directing films, as so many on this list have, through the theatre as a playwright. His play "Orphée" was his first full work of theatre and came to the stage in 1926 and he wrote the libretto for Igor Stravinsky's opera-oratorio, "Oedipus Rex". Four years later, Cocteau made his surrealist first feature, "The Blood of a Poet". "Beauty and the Beast" followed in 1946. Cocteau is credited with 11 films, some of which have been lost or were unreleased like "Jean Cocteau Addresses the Year 2000", "Testament of Orpheus", "Les Parents Terribles", based on his own parents, and "The Eagle With Two Heads".
He was a fan of Kenneth Anger's film "Fireworks". He introduced avant garde concepts to French filmmakers through his work and wrote and directed a total of six films as well as serving as a Red Cross ambulance driver during World War l and all of his other accomplishments.
Charles Laughton (Born: July 1, 1899 – Died: Dec. 15, 1962) was better known as the actor who played Captain Bligh in Mutiny On The Bounty, Quasimodo in The Hunchback Of Notre Dame, and Henry The Vlll in The Private Life of Henry Vlll for which Laughton won an Academy Award for Best Actor. But, in addition to this work, Laughton made one film as a director: the gorgeous masterpiece The Night Of The Hunter. The film is undoubtedly a classic today, but was a failure upon release. That's the reason that Laughton only made one film. It has one of Robert Mitchum's most chilling performances as a villain. Laughton was married to Elsa Lanchester for most of his life and he was bisexual. As an actor, it was far too dangerous to his career to not be married, but he and Lanchester had a real relationship and sometimes Laughton, a very kind man, asked for help from a friend in dealing with his wife when she was angry according to Scotty Bowers in the documentary Scotty Bowers and the Secret History of Hollywood.
Laughton trained at the Royal Academy of Dramatic Art in England and made his debut on the theatre stage as a professional actor in 1926. He met his wife Elsa Lanchester when they co-starred in a play in 1927 and he spent the rest of his life with Lanchester and working as a film and theatre actor. Laughton also directed plays towards the end of his life. His orientation was confirmed by his biographer Charles Higham in Charles Laughton: An Intimate Biography and Cameron Crowe's book Conversations With [Billy] Wilder.
Luchino Visconti (Born: Nov. 2, 1906 – Mar. 17, 1976) was Italian royalty, The Count of Lonate Pozzolo, and one of the fathers of neo-realism. Visconti made films starting in 1943 with Obsessione and concluding in 1976 with his film The Innocent. He wrote and directed 14 films. His career began after the war when he worked as a set dresser for Jean Renoir's film A Day In The Country and after he was nearly executed by a firing squad for being a partisan working against the fascist government with the Italian Resistance. Coco Chanel interceded with Renoir to get Visconti the job and after a trip to Hollywood, Visconti worked for Renoir's on a second film.
Visconti made four very influential films: Rocco And His Brothers, The Leopard, The Damned, and Death In Venice. The Damned is possibly his best known film and is frank in its examination of subject matter of homosexuality, incest, rape and pedophilia. The Damned was also the first time that Visconti was nominated for an Academy Award for Best Screenplay even though the film was rated X in the United States. He didn't try to hide his orientation later in his life though he was a devoted Catholic. He famously said of the seeming paradox between his sexuality and his devout Catholicism: "I am a Catholic. I was born a Catholic, I was baptized a Catholic. I cannot change what I am, I cannot easily become a Protestant. My ideas may be unorthodox, but I am still a Catholic." He wasn't as open with his relationship with photographer Horst P. Horst in 1936, but did not hide his relationships with Franco Zefferelli, Udo Kier and Helmut Berger later on.
Kenneth Anger (Born: Feb. 3, 1927) is a director who started creating films as a child. All of Anger's films are shorts and some of them were screened while he was still in high school. The film that he made after he discovered his orientation and studying film at USC was the homoerotic "Fireworks" in 1947. Fireworks certainly caused a stir as he was arrested on obscenity charges after it screened. The case went all the way to the Supreme Court of California, which ruled that the film was art and not pornography.
Anger later formed the small film distribution company Creative Film Associates (CFA) with Curtis Harrington after they met. He became friends with Jean Cocteau while in Europe after the director wrote him a letter praising "Fireworks". He also was friends with sexologist Dr. Alfred Kinsey who was also a fan of "Fireworks". Anger is still alive. After almost two decades of inactivity during which he sold the video rights to his films, he resurfaced with a number of new films in 2000. Anger has long been fascinated with the occult and the teaching of Aleister Crowley and Crowley's belief system Thelema to which Anger is an adherent.
Anger has directed 37 films. Perhaps the best known of them are "Scorpio Rising'', "Lucifer Rising'' and "Inauguration of the Pleasure Dome''. Mark Allen Svede at the gltbq Encyclopedia said, about Anger's work, "Kenneth Anger occupies an important place in the history of experimental filmmaking. His role in rendering gay culture visible within American cinema, commercial or otherwise, is impossible to overestimate." Anger has been noted as a influence on such filmmakers are Martin Scorsese, David Lynch and John Waters.
Curtis Harrington (Born: Sept. 17, 1926 – Died: May 6, 2007) started out writing film criticism while making own short films starting in 1942 with "The Fall Of The House Of Usher". After he met Kenneth Anger, the pair formed the indie film distribution company Creative Film Associates and Harrington worked as Anger's cinematographer on the short "Puce Moment." Harrington was an occultist and admirer of Crowley himself.
Harrington's independent filmmaking continued throughout the 1950s and in 1956 he made the documentary short "The Wormwood Star'' about Marjorie Cameron, actress and artist, who also starred in Anger's "Inauguration To The Pleasure Dome". Harrington also made a fantasy horror feature that starred Dennis Hopper and Cameron called "Night Tide". He proceeded to work throughout the 60s and 70s in horror films, his most famous being "Whoever Slew Auntie Roo", with Shelley Winters, "Queen of Blood", that starred John Saxon, Basil Rathbone and Dennis Hopper, and "What's The Matter With Helen", and in television, where he directed episodes of "Baretta", "Charlie's Angels", and "Wonder Woman" and TV movies like "Devil Dog: Hound Of Hell". He was a friend of James Whale and was the key person in the preservation of Whale's film "The Old Dark House". Harrington was an advisor on the film made about the end of Whale's life, "Gods And Monsters'' and had a small part in the film. The Academy Film Archive has preserved his films "Night Tide" and the shorts "On The Edge" and "Picnic".
Harrington confirmed his sexuality in his autobiography that told of his first homosexual experience in high school with a football player. Harrington said, "I knew immediately, with a horrible kind of prescience, that I was doomed to never again have such an intense experience of passion, and that I would feel an emptiness because of it for the rest of my life. Indeed, the bleakness I felt at the center of my heart thereafter was never to be relieved."

subset: commoncrawl


text:
Create a Website Account - Manage notification subscriptions, save form progress and more.
Airline travelers at the Minot International Airport will soon need to show a driver's license or identification card with a yellow star on it, indicating that it is a REAL ID-compliant credential.
The new REAL IDs will be required starting May 3, 2023. Recent statistics show that approximately 50 percent of eligible North Dakotans have not yet upgraded their driver's license or government-issued ID card to the REAL ID version.
"There's a simple way to know if you have a REAL ID or not," Minot International Airport Director Jennifer Eckman said. "If there's a yellow star in the upper right corner, it's a REAL ID. If there isn't a star, you'll need to upgrade to a REAL ID by May 3, 2023, in order to board a commercial airliner."
To obtain a REAL ID-compliant license, individuals need to visit their local Driver's License Office. The Minot office is located at 2001 17th Street SE; it is open from 8 a.m. to 4:45 p.m. Monday through Friday. All North Dakota sites are conducting operations by appointment only. Appointments may be made online at dot.nd.gov or by calling 1-855-633-6835.
To obtain a REAL ID-compliant license, individuals will need to bring certain documents to prove U.S. citizenship and North Dakota residency. Required documents include one proof of identity, one proof of legal presence, two proofs of North Dakota residency, one proof of your Social Security number, and a current driver's license.
Passed by Congress in 2005, the REAL ID Act enacted the 9/11 Commission's recommendation that the federal government set standards for the issuance of sources of identification, including driver's licenses. REAL ID implements security processes designed to reduce identity fraud, and is approved to board a commercial flight or for access to military bases and some federal offices. The REAL ID does not replace a passport used for international travel.


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We Florida Financial, P.O. Box 14548, Fort Lauderdale, FL 33302
Don't take our word for it, hear how we make dreams come true.
Outstanding customer service
I want to give two of your employees the best review for their outstanding customer service and giving me outstanding help all through my attempt to keep my leased car following the death of my husband. Rutza, Loan Processing Dept. and David, Member Sales Advisor. Your company is lucky to have them representing WeFinancial.
Thank You
Thank you guys, I am looking forward to working with you again in the future. It was an easy experience working with you guys.
Auto loan was incredibly easy and fast
Auto loan was incredibly easy and fast. Brittany was amazing and provided prompt assistance and answered all my questions. Fantastic experience with the bank over many years!
Great Service Rep
I had a great service rep today. He really helped me with my situation. He was attentive and patient throughout the whole 45 minutes of the call.
Many Thanks
I am so pleased that Shane very carefully assisted me in in solving a problem that surfaced with my account. He was patient and willing to spend time to help understand the problem and assisted me in making contact with a company that I needed to have clarification about. Many thanks to such expert customer service.
The Benefits And Service Are Outstanding
If you are in the market for a new automobile, truck or SUV you need to consider the benefits that are offered by We Florida Financial. The benefits and service are outstanding and make buying and financing a vehicle as easy as 1-2-3!
Their finance department is very easy to work with. Their rates are very attractive and make the procedure of purchasing a new or used vehicle effortless. They take the extra steps to ensure the financing and your purchase is completed in a timely manner.
During the last year and a half I have purchased a Chevy Trax II LT and a new RV with the expert assistance of Jodi, which made me feel very comfortable with my purchase. Her professionalism made all the difference to me and to the dealerships that I was working with.
I highly recommend We Florida Financial for any future purchases you may be considering. They are easy to work with, answer all questions plus their follow-through is excellent. You will not be disappointed with your buying experience. I am a very satisfied client.
Amazing Customer Service
Donna at the Lauderhill Branch, was very helpful and had good recommendations on how to help my credit score to go up... Amazing customer service. I am a new customer and so far I am very impressed with the service that has been offered to me so far.
Real Professional
Real professional Joeliza, Michael and Manager Wayne.
Very Helpful & Had Good Recommendations
Many thanks to Ken for his great customer service. He took the time to work with me to find the best solution for me and was very patient throughout the whole application process. Thanks for all of your help and knowledge, it really made my experience a great one.
Great Customer Service
I would like to take this opportunity to recommend Debbie from customer service. She took the time to identify me and was very patience. Since my experience was great and that is why I'm taking this moment to let everyone know how wonderful Debbie was servicing me at We Florida Financial via telephone. Debbie one more time thanks for a great job.
Excellent Customer Care
I spoke with Shane today regarding money fraudulently taken from my account. It had already been flagged but I wanted to know when it would be replaced. He took extra measures to identify me as I could not remember my password. I liked that. He took time to review my account, he asked good questions and he provided a solution that will get my $$ replace faster than waiting on mailed forms. That is excellent Customer care. Excellent in a day where customer service is not provided like it once was. I hope you have a reward program because he should get one!!!
Very Satisfied
Today I have was blessed to get Shane on the line to assist me with, setting up, and understanding online banking. The knowledge and patience that he had with me was very much appreciated. Overall I am very satisfied with We Florida Financial,and so is family, and friends. Thank you!!
I Appreciate Your Patience
I would like others to know about the great experience I had working with Robert and Ricky. I just wanted to say thank you for everything. I appreciate your patience walking me through the process of buying my first home. Without your help, my dream of owning a home would have never become a reality.
Outstanding Staff
I've always found outstanding staff and WE had always been there for me. Aileen and Daniel have been very knowledgeable courteous and helpful.
Very Helpful
Crystal was very professional and helpful. I would recommend We Florida Financial to everyone I met. Great place to bank with. Thanks again for everything Crystal.
Highly Recommended
I needed to refinance my vehicle and once I submitted my online application I was put in contact with Crystal Avery in the sales department who was able to very quickly and easily facilitate the refinance of my vehicle and made a pleasure to bank with We Florida financial. I highly recommend we Florida financial and especially Crystal Avery to anyone.
Very Professional
I've worked in Mount Sinai for 20 years. The Credit Union staff is very professional, nice and incredibly helpful. Crystal was very helpful and very pleasant. I was very nervous but Crystal put me at ease with her pleasant voice.
Patient With My Needs
I applied for a home equity and Jodi assisted me. She was very professional and patient with my needs. She explained the available choices clearly. The second person who assisted me was Ana. She was tremendous. It was a pleasure dealing with these two ladies.
Very Thorough
I was assisted by your representative, Shane. He was very thorough and knowledgeable and he resolved my issue very quickly.
Jessica is AMAZING! She walked through the whole loan process with me! Made everything easy and convenient! Thank you Jessica!!!!
Patient & Supportive
I had some issues with my overdraft and a deposit I made. Shane, the young man that assisted me, was very patient and supportive. I want to thank Shane for his outstanding work trying to resolve my situation.
The tagline of the City of Fort Lauderdale is "We Build Community." Well, last week, your fabulous Polly Griss came and gave 2 engaging, entertaining and educational seminars for 40 of our community builders. Polly worked diligently developing content for us and providing many resources to us through this process. We had representatives from many of the City's departments. The feedback on her presentations was a unanimous FANTASTIC! I can not thank Polly and WE Florida Financial for being such great business partners in helping us build community.
Excellent Customer Service
Please recognize Ms. Jessica out of the Loan Department in Coconut Creek/Pompano. She gave me such excellent customer service. She was so pleasant and professional. She's an awesome leader for your financial institution.You guys are simply the best!
My representative Jessica was unbelievable. This is my second refi with her. She was informative, answered all of my questions and guided me through the whole refinance process without a hiccup. She was professional and answered all of my voicemail messages within the hour. I would like to give Jessica a great big kudos. You're extremely fortunate to have such an outstanding member on your team.
Extremely Helpful
Your staff members are extremely helpful and always do their best.
The Credit Union is Better
Have not been with a bank in years. Trying to encourage family and friends that the Credit Union is better!
Positive Experience
Due to the outstanding efforts of Jennifer Kachadourian and Chris Elmore my husband and I are now making car payments to We Florida Financial instead of GM and at a much better rate!! As a member since the mid 1980s (banking at the Fort Lauderdale branch initially) I have always lauded praises about my Credit Union. This is yet another "positive experience" that I'm happy to share with anyone!
Superb Service
Staff is smart, professional and courteous. The service is superb.
Satisfied Customer
Compared to commercial banks I feel more welcome and staff respects their customers. After 30 years, I'm still a satisfied customer which is your best advertisement.
Friendly People
Always prompt, efficient service from friendly people.
Truly Refreshing
I needed to get two months of statements so I could send them to my Mortgage Lender and Evelyn was so helpful in making sure that We sent the statement over today. She then went ahead and sent them to my lender. Thanks so much for the great dedicated customer service. I've been a member of the credit union for over 30 years and it is truly refreshing to see that kind of customer service still exists with We Financial.
Reliable and Courteous
The We Florida Financial branch employees are very reliable and courteous. Never experienced long lines. On the contrary, they have a lot of tellers. I go to a bank and they have two and they take forever. I do not have any complaints. Keep the good work especially the girl that greets you when you come in at the Ft Lauderdale branch in downtown. She is awesome.
Very Nice & Welcoming
We Florida Financial is very nice and welcoming.
I love We Florida Financial
I love We Florida Financial, this is my kid bank and it is the best. I save a lot. Open a savings account with 5 dollars.
Wonderful System
I recently acquired an auto loan and it was very simple. The process only required me to pick up a check and nothing more. A wonderful system.
Look No Further
I LOVE WE FLORIDA FINANCIAL FINANCIAL INSTITUTION!!! The tellers are awesome. I miss this bank since I moved. No need to look any further for a bank.
A Pleasure
Staff at 44th street location are wonderful. A pleasure dealing with professional staff.
Helpful & Pleasant
It was a great surprise that I could join not being a teacher or government employee which is what I believed was necessary for a credit union. Everyone is so helpful and pleasant to deal with.
Extremely Helpful
Alex Martin was extremely helpful in the whole process of acquiring my aviation loan!
Jessica S. was wonderful she helped us refinance my car and saved me $150.00 a month. She is on top of things had approval the same day. Easy to reach and calls back quickly. Give Jessica a raise.
Best Credit Union Ever
This is the best Credit union ever, thank you so much to all the staff for your excellent customer service!
Made the Process So Easy
I want to thank Robert W. so much for all his help with my application for the Home Equity Loan that I received from We Florida Financial. He was wonderful and very professional, he made the process so easy and so accommodating. It was a pleasure working with him. We are very fortunate here at Mount Sinai Medical Center for having him here to help the employees with their needs when applying for a loan. Thank you very much and stay well.
Very Professional
The employee who enrolled me was very professional and patient. I believe her name was Monica.
My Loan Officer Jessica Skinner was amazing! Looking forward to doing my Home Mortgage through We Florida Financial.
The service this bank has provided has been outstanding from beginning to end.
Like Being in a Family
I thought the whole process was simple. I particularly valued the support of Lana at the Biscayne office. I have known Lana for almost 25 years since enrolling at Mount Sinai FCU...she is an outstanding banking professional who provides amazing customer service...it is like being in a family !!! Ana did a great job of coordinating additional information and kept me very well updated on the progress of my loan. All VERY professional.
I think the service and support I get from my credit union is second to none. When friends question why I bank with a credit union, I tell them it is really like having a family member as your personal banker.
All my dealing with the credit union are wonderful. I would like to particularly commend Lana, Ana and Kalissa who did the closing on the loan at the Pembroke Pines office, she was very well informed and took us through the process very quickly and expertly....
They Help The People
Great person. It's not a Bank they help the people. Very professional person and good attitude.
Bonnie was very patient, graceful, professional and eager to help me. Great customer services skills.
Have been with your Credit Union for over 32 yrs; very pleased with your services.
I have been blessed to have Bonnie's assistance on more than 2 occasions. She has all the skills required for this job. She will not give up until she has the solution to the problem. Working with Bonnie is always a learning experience.


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Today's FOMC meeting will be all about tapering. Powell & Co will surprise no one when they formally announce the tapering of bond purchases, which are still running at a pandemic emergency pace of USD120 billion a month. In all likelihood, the Fed will actually start tapering bond purchases as soon as next week.
As we mentioned in Monday's Comment, everybody has been doing back-of-the envelope calculations on the pace of tapering. Because that's all there is to it. For example, cutting monthly bond purchase volumes by USD20 billion every month would mean QE will end in March 2022. That would be the hawkish outcome. USD15 billion a month and we're looking at a May end date, which we see as the middle-of-the road option. The Fed has guided for a mid-2022 end to QE (so, slightly slower tapering and ceasing QE in June/July). But that looks old hat these days.
For the full report, click here


text:
Watch Flat Crystals, Black Trim w / Silver Roman Numerals. 28.5mm - 30.0mm
- This is a flat crystal black trim with silver roman numerals.
- You can select these sizes from drop down menu as following: 28.5mm, 29.0mm, 29.5mm, 30.0mm.
- The border thickness is: 1.0 mm
- If you buy in more quantity, you'll be given a whole-sale prize
- Please check our collection for other sizes and Colors.


text:
Mar. 10, 2021 4:55p
(WGTD)---The killing of 26-year-old Charniese Brown at her home in Kenosha's Lincoln Park neighborhood Monday evening unfolded on an open phone line to the Public Safety Building.
"In listening to the recording, Ms. Brown can be heard screaming for help, crying, saying he's trying to kill me," said Kenosha County Deputy District Attorney Angelina Gabriele at a bond hearing Wednesday afternoon for her live-in boyfriend.
51-year-old Ranon Brownlee was ordered held on a bond of $1 million by Court Commissioner Dick Ginkowski. A charge of 1st Degree Intentional Homicide is expected to come Thursday.
Brownlee accused Brown of cheating on him over the weekend, according to Gabriele. Brownlee sent threatening text messages to her Sunday evening. "He says you played me all weekend. Have fun tonight like it's your last," Gabriele quotes Brownlee as saying. "You already cheated. The crime is done. The state can have my kids. They're better off. I don't care what happens to me. Life is over to me. I'm done. I can't take it no more."
Dispatch received Brown's 911 call at about 5:20 Monday evening. In addition to her pleas for help, dispatchers could hear a scuffle and stabbing sounds. "The dispatcher asks Ms. Brown if she's still with her," Gabriele said. "There's silence, and then there's the sound of what appears to be a shotgun going off," she said. The 911 recording also includes a man's voice asking repeatedly, "Who are you f******?"
Seconds after the shotgun blast, the first officer arrives on the scene and finds Brown's bloody body on a stairwell that exits to the side of the home. Brownlee surrenders. Attempts to revive Brown at the scene by police and paramedics were unsuccessful. Six children who'd been in the home heard parts of the argument but weren't present for the physical violence, Gabriele said. Police said they arrived within two minutes of receiving the call.
Pointing to wounds to his hands, Brownlee claimed self-defense. But Gabriele said the wounds were not consistent with defensive reactions.
A public defender who was representing Brownlee at the bond hearing said Brownlee drove a truck for a food delivery company and is a Kenosha native.
An autopsy indicated that Brown suffered multiple stab wounds and had been shot in the back of her shoulder.


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This morning, citing the non-existent threat of mail-in voting, Donald Trump suggested that he may try to delay the upcoming election. And apparently this was the final straw for Steven G. Calabresi, a co-founder of the staunchly conservative Federalist Society. Upon reading this tweet of Trump's, Calabresi drafted an opinion piece for the New York […]
Tag Archives: Federalist Society
Behind in the polls, Donald Trump threatens to delay the presidential election. One Republican cuts ties.
By Mark | July 30, 2020
Posted in Civil Liberties, Michigan, Politics, Uncategorized | Also tagged 2020, 2020 election, COVID-19, Dave Catanese, Deep Root Analytics, Donald Trump, election fraud, election interference, GDP, Joe Biden, martial law, police state, public health, Steven G. Calabresi, threats to Democracy, vote by mail | 28 Comments
Brett Kavanaugh, amid serious new allegations of sexual assault, prepares to appear before the Senate Judiciary Committee, face his first accuser
By Mark | September 26, 2018
Thursday morning, assuming things continue as planned, both Supreme Court nominee Judge Brett Kavanaugh and Professor Christine Blasey Ford are supposed to appear before the Senate Judiciary Committee, where they'll be questioned about a sexual assault that's alleged to have taken place in '82, at a house party in the suburbs of Washington, DC. Blasey, […]
Posted in Civil Liberties, Politics, Uncategorized | Also tagged 1982, Alexandra Lescaze, assault, attempted rape, Bart O'Kavanaugh, Beach Week, binge drinking, blackout drunk, Brett Kavanaugh, Christine Blasey Ford, confirmation hearings, Deborah Ramirez, Ed Whelan, evil lookalikes, gang rape, Georgetown Prep, innocence-proving calendars, Julie Swetnick, lying, Mark Judge, Maryland, me too, Michael Avenatti, penises, perjury, privilege, rich kids, Senate Judiciary Committee, sexual abuse, Supreme Court, the penises of powerful men, white privilege, Yale | 56 Comments
Surprising absolutely no one, Donald Trump, when handed a list of 25 potential Supreme Court candidates to choose from, picked the one who has said that a sitting president can not be subject to criminal investigation or prosecution
By Mark | July 9, 2018
For those of you wondering why, when given a list of 25 young, conservative, activist judges to choose from by the Republican establishment, Donald Trump chose to nominate Brett Kavanaugh to the Supreme Court this evening, I humbly submit the following for your consideration. To my knowledge, Kavanaugh was the only one of the 25 […]


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Don't forget you can visit MyAlerts to manage your alerts at any time.
Learn about the best strategies and products your clients can use when saving for college as well as the guidance needed when applying for financial aid.
From Commonwealth Financial Network
From T. Rowe Price Investment Services, Inc.


text:
Shannon Tote - Black
Sale Sold out
Regular price $98.00
Regular priceUnit price per
Sale price
Hello gorgeous! This all suede bag is perfect for everyday use. It features a zipper so you can close your bag.
Fit your laptop in here! Approx. 15in x 12 in width - but expand beyond that when filled!
- 13.5" tall, 12" wide, 6" deep.
- Zipper closure.
- 100% Italian leather suede.
- Spot clean.
- Made in Italy.
How long does shipping take?
We use standard USPS and UPS shipping Please allow 1-2 days for shipment of your order to begin.
Where is this shipping from?
We hand package all online orders at our brick and mortar in Libertyville, IL


text:
Rents in the rent-controlled housing sector are set to reach an average of €543 by 2017, boosting housing corporation income 22%, according to a report by the social housing fund WSW.
At the same time, housing corporations are winding down their new building programmes in order to pay a €1.9bn extra levy to the government, the WSW says.
Under EU law, only households with an income of below €33,000 a year are entitled to live in rent-controlled housing. The government is allowing landlords to increase the rent for higher earners by more, in an effort to encourage them to leave the social housing sector.
A spokesman for the tenants' association Woonbond said the forecast rise is 'dramatic and unacceptable'.
'Many tenants are already in financial difficulty. This will exacerbate the poverty problem. People will soon have no money left to buy food,' Ronald Paping told news agency ANP.
Housing corporations have plans to build 105,000 new self-contained homes over the next five years. That is down 28% on a year ago.
Thank you for donating to DutchNews.nl
The DutchNews.nl team would like to thank all the generous readers who have made a donation in recent weeks. Your financial support has helped us to expand our coverage of the coronavirus crisis into the evenings and weekends and make sure you are kept up to date with the latest developments.
DutchNews.nl has been free for 14 years, but without the financial backing of our readers, we would not be able to provide you with fair and accurate news and features about all things Dutch. Your contributions make this possible.
If you have not yet made a donation, but would like to,
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text:
Mike Peters - 30th Anniversary Personally Dedicated Bespoke Audio CD
Due to public demand, Mike Peters is now taking commissions for bespoke dedicated audio CD recordings that can be chosen from any single song in his entire published body of work (see below).
Each CD will feature a Mike Peters' spoken introduction (based on your wording and dedicated to you or your loved ones), followed by a special acoustic based performance of the chosen song.
Over the last 20 years of MPO, Alarm fans worldwide have contacted MPO in request of a personal recording from Mike in honour of a special anniversary, ranging from a Birthday, Christening, Christmas, Wedding Anniversary, Congratulations, Wedding Song etc. etc.... MPO can now offer a unique service to personalise anniversaries of Alarm fans all over the world. 30 years of songwriting, celebrated in a choice of some 300 songs written by Mike Peters!
"Whilst recording personal dedication CD's for The Alarm Box Set Collection a lot of people asked if I would consider recording songs from outside of my 1980's body of work so that they could choose their favourite song to be dedicated from my more recent works. So now with this being the 30th Anniversary of my first ever published title, I have decided to dedicate myself to this endeavour and give everyone the chance to own something special and uniquely personal from me that can either be played to friends and family as a mark of our enduring and continuing relationship" Mike Peters 2011.
* Free postage and packaging with each order placed before the end of December 2011.
Once you have made your song choice and have proceeded to the check out section of the store. Please type in the song title you require, along with the dedicated wording you would like Mike to record for you in the 'Additional Information' box at the checkout window.
For example :
- Love Hope & Strength
Dedication wording for audio CD.
Choose from any one of the following Mike Peters Songs :
Unsafe Building
Lie Of The Land
What Kind Of Hell
The Stand
Thoughts Of A Young Man [Part I]
For Freedom
The Peace Train
Marching On
Where Were You Hiding When The Storm Broke?
Sixty Eight Guns
We Are The Light
Shout To The Devil
Blaze Of Glory
The Deceiver
Pavilion Steps
Third Light
The Stand [Prophecy]
Unbreak The Promise
Howling Wind
The Chant Has Just Begun
Second Generation
Absolute Reality
Knife Edge
Spirit Of '76
Walk Forever By My Side
Father To Son
Caroline Isenberg
Dawn Chorus
Only The Thunder
The Day The Ravens Left The Tower
Absolute Reality
Newtown Jericho
Rain In The Summertime
Rose Beyond The Wall
Hallowed Ground
Eye Of The Hurricane
Permanence In Change
Presence Of Love
World On Fire
Time To Believe
Only Love Can Set Me Free
Rescue Me
A New South Wales
Elders And Folklore
Change I
Sold Me Down The River
Devolution Workin' Man Blues
Love Don't Come Easy
The Rock
No Frontiers
Where A Town Once Stood
Black Sun
Prison Without Prison Bars
How The Mighty Fall
Corridors Of Power
Breaking Point
Rivers To Cross
A New South Wales
The Road
The Wind Blows Away My Words
Moments In Time
Let The River Run It's Course
Lead Me Through The Darkness
Hell Or High Water
Firing Line
Back Into The System
A New Chapter
It Just Don't Get Any Better Than This
White Noise
Poetic Justice
All I Wanted
If I Can't Have U
Love Is A Revolution
Whose Gonna Make The Peace?
What The World Can't Give Me
Beautiful Thing
Into The 21st Century
This Is War
Train A Comin'
Shine On (113th Dream)
Feel Free
All Is Forgiven
My Calling
What Is It For?
Psychological Combat Zone
The Love We Made
Broken Silence
Gone Elvis
In Circles
High On The Hill
I Want You
You Are To Me
The Wasting Land
First Light
Down The Road
Ground Zero
Burnout Syndrome
House Of Commons
Life Can Be Beautiful [Sometimes]
Flesh & Blood
Steve's Theme
Staring Into Thin Air
If I Ruled The World
Those Were The Days [Bastard Days]
Lucky Numbers
[She's Got] Two To Think Of Now
St. David's Day
Working Class Heroine
A New Wales
Under The Sun
State Of Independence
Heavy Rain
View From A Different Window
Fade In Fade Out Fade Away
This Life
For The Love Of
Where Do You Want To Go
All Kinds Of Wonderful
Everything Is Here
Happy And Glorious
Live Through You
Only Bleeding
All Around The World It's Christmas Time
Alone Together
In The Beauty Of My Surroundings
Right Back Where I Started From
The Rock And Roll
All Seeing
The Life You Seek Does Not Exist
With Friends Like You Who Needs Enemies
The Normal Rules Do Not Apply
New Home New Life
Rain Down
When You Can't Have What Everybody Else Has
How Long And How Much Longer
45 Rpm
I Never Left I Only Went Away
My Defences
The Unexplained
Federal Motor Voter
The Search For The Real Life
When Everything Was Perfect
The Drunk And The Disorderly
Be Still
It Happens
Terms And Conditions
Peace Agreement
The Crescent
Edward Henry Street
The Sea
Where Are We Going And What Are We Going To Do When We Get There?
Waiting For The Summer
Land Of Hope And Glory
Bank Holiday Weekend
Mercenary Skank
Up Downtown
In You I See The World
Lazy Dayz
Where Have All The Good Times Gone?
It's Going To Be A Good Year
Coming Home
The Innocent Party
Safe Houses
True Life
You're Only Young [And Innocent] Once
Few And Far Between
Free Inside
Festival Of Light
In The Poppyfields
Without A Fight
My Town
It's Alright/It's Ok
Something's Got To Give
This Is The Way We Are
The Opening
Three Sevens Clash
Kill To Get What You Want [Die For What You Believe In]
Fill In The Blanks
Zeros And Ones
Love Hope And Strength
The Fall Out
Fight Back
[What About] The Man On The Street
War Cry
Love Is My Enemy
Life Support System
This Is Not A Test
The Alarm Calling
Come On
Watching Me Watching You Watching Them Watching Us
State Of Emergency
The Checkout
Situation Under Control
Change III
Milk And Opportunity
Plastic Carrier Bags
Economic Pressure
Call To Action
The Infomercial
Higher Call
Rat Trap
Into The Light
Dub Police
War Song
Badge Of Honour
For The Faithful
Counter Attack
Riot Squad
Right Now
Not Gonna Take It [Anymore]
Hit The Ground Running
Badge Of Honour [Part II]
Gun To My Head
Make It Your Own Way
Come Alive
Crash And Burn
After The Rock And Roll Has Gone
Direct Action
Release The Pressure
Another Country


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On The Challenge Season 35 Episode 15 – "Crash Into Me", one player's sloppy political maneuvering comes back to haunt them, while another takes a shocking gamble to save a friend. Competitors must fight for survival in the elimination game "Hall Brawl," where two players with Red Skulls will be eliminated. You can watch the full episode by clicking the red button below.
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For this project, my team and I attempted to classify the "mood" of song lyrics with a Convolutional Neural Network. We achieved a classification accuracy of 77%. Other published research works with heavily engineered SVM models scored less than 70%.
FYI - this page is a work-in-progress
This project was completed as part of UC Berkeley's Masters of Information and Data Science (MIDS) program in the course "W266 Natural Language Processing with Deep Learning". It was done in the Fall semester of 2018.
We were tasked with conceptualizing a language-related project with a novel deep learning application. Because of this language requirement and because my teammembers and I shared a mutual interest in music, we decided to focus on song lyrics. At first, we considered many topics like lyric generation and genre classification, but eventually settled on mood classificaiton after a thorough literature review.
Literature Review
Some of the influential papers we read along the way include
- tbd
This diagram represents, at a high-level, the key steps taken to reach our results:
- Attempt to download the song lyrics from genius.com for each track in the musiXmatch to Last.fm mapping file
- Index and label each song with its mood from the Last.fm dataset
- Import and preprocess all of the lyrics
- Generate word embeddings from the lyrics corpus
- Train and test the CNN model
Steps 3-5 are referred to as the Mood Classification Pipeline. More on that below.
For our dataset, we made use of the Million Song Dataset (MSD).
The MSD is a dataset put together by some kind folks at Columbia that includes both audio and text-based musical data for over one-million tracks. I cannot comment on the audio data as we did not use it, but I did read some interesting papers that built models using both the audio and the lyrics as input.
It is made up of several companion datasets. The two we used were the
- musiXmatch dataset, the official lyrics collection of the Million Song Dataset.
- Last.fm dataset, the official song tag and song similarity dataset of the Million Song Dataset.
Of particular use was this giant text file mapping MSD IDs to musiXmatch IDs.
Unfortunately, we soon learned (after submititing our project proposal, of course) that the MSD's lyrics are only available in a bag-of-words format. Bad news for us! We needed the lyrics in sequential form. And thus began the first big challenge of the project: acquiring the lyrics.
Downloading The Lyrics
After some hunting, we were able to locate a web API resource through which we could download lyrics: genius.com. Along the way, we learned that, although lyrics seem to be freely available on the internet, there are actually some strict copyrights governing how they can be used and distributed.
We quickly put together a web scraper and began pulling down the lyrics. That's when we realized that at the rate of one song every 5 seconds, we were looking at 43 days of download time!
To speed things up, we parallelized the downloads. We set up 8 computers and separated the dataset into chunks. We were done in less than a week!
- details on web api
- how many songs were attempted to be downloaded?
- how many lyrics were successfully downloaded?
Retrieving the Mood Labels
TODO: describe the moods
With our lyrics in hand, we were ready to attach our labels to begin model development and training. Unfortunately (again), getting the labels was not as easy as asking Last.fm, "hey what's the mood for this song?". No, we had to sort through user-entered tags.
These tags were entered by Last.fm users as free-form text, and they are provided in the Last.fm dataset with all of the horrors you'd expect: mispellings, irrelevance, etc. Thankfully, previous researchers did much trailblazing in this space and proved that, by searching through the tags for mood-related terms, you end up with plausible clusters of moods. I highly recommend giving this paper as a read if you're interested in learning more. It is a great application of statistical and clustering technique in a domain with no right answer. You can find it here: Music Mood Representations From Social Tags.
We went through several iterations of matching tags to moods. Each method successfully labels songs, but each method also subsequently labels more songs (thus producing a larger dataset leading to a better classification accuracy). It is possible that each subsequent method returns more mislabeled songs than the previous, but we assume that the number mislabeled is neglible and did do some amount of manual screening to check.
- Exact mood matching
- Substring mood matching
- Expanded substring & synonym mood matching
Each method begins the same way: retrieve the track ID from the ID mapping file, and ask the Last.fm dataset for all tags associated with that track.
1. Exact Mood Matching
The first label retrieval method is the most straightforward: loop through each tag for a given track and check if it is an exact match for the mood.
- Tag = "angry", Mood = "angry", Match? Yes.
- Tag = "fish", Mood = "angry", Match? No.
TODO: how many labeled songs did this return? TODO: bar chart showing distribution of labels TODO: make the examples prettier
2. Substring Mood Matching
Same as method 1, but this time check if a given tag contains the specified mood.
- Tag = "what a sad song", Mood = "sad", Match? Yes.
- Tag = "saaad", Mood = "sad", Match? No.
- Tag = "How sadistic", Mood = "sad", Match? Yes (error).
3. Expanded Substring & Synonym Mood Matching
With this method, we enjoyed 2x the number of matched moods. It involves a bit more of a contrived approach to the problem. For a given mood, we check if a tag contains its exact match, a match of its common mispellings, and a match of any of its synonyms (synonyms retrieved from manual inspection of tags and an online thesaurus). We also, for each mood, have a list of "do not match" filters gathered through manual inspection of the dataset. If the mood matches but the tag contains one of these filters, we disregard the match.
- Tag = "Makes me feel very down", Mood = "sad" with synonym "down", Match? Yes.
- Tag = "saaad", Mood = "sad" with common mispelling "saaad", Match? Yes.
- Tag = "Red hot chilli peppers", Mood = "chill" with do-not-match filter "red hot chilli", Match? No.
The Mood Classification Pipeline
Now that we have song lyrics and moods in hand (it is true what they say - these projects are mostly data preparing and cleaning!), we are ready to build some models.
Baseline Classifiers
To baseline our classifier, we use three different models:
- Most-common-case
- Naive Bayes
- Support Vector Machines (SVM)
Why baseline? Generating a baseline is a good idea for any project, especially projects involving neural networks. The idea is that neural networks are big and costly in terms of training time and resources (not to mention it is harder to get them to work!), so if a simpler classifier yields same or better results, save yourself the time and effort and go with the simpler one. But if you don't baseline, then you'll never know that a simpler approach might exist.
Lyric Preprocessing
TODO: describe
Word Embeddings
TODO: link to a good blog post on word embeddings TODO: add some pics of word embeddings
To generate our word embeddings, we use the popular word2vec model. Many projects use the pre-generated word2vec embeddings that are freely available to download, but we made the decision to generate our own with the belief that song lyrics typically use more colloquial, specialized speech than news articles.
It would have been interesting to experiment with the pre-generated embeddings to see how much, if at all, they impacted the results, but we did not have time (future work, perhaps?)
Convolutional Neural Network (CNN)
Our CNN architecture was based off of TODO: add Kim's paper. After implementing the model in TensorFlow, we began experimenting with adjusting the hyperparameters.
TODO: link to some good intros on CNNs.
TODO: elaborate
Code is open-sourced and available at https://github.com/workmanjack/w266-group-project_lyric-mood-classification
Final delivery was an academic paper that can be viewed here.


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23 Nov 2021: Stocks making the biggest moves – Moderna, China Evergrande New Energy Vehicle; IPO Watch: Mooreast (MOOR SP)
Market Movers | Trading Dashboard
IPO Watch
Mooreast (MOOR SP): Debut of an offshore marine company in a niche market
- Mooreast is a total mooring solution provider.
- Its financial performance was stable during 2018-2020 but was negatively impacted by the slowdown in the offshore marine market in 1H21.
- The recovery in oil and gas E&P expenditure could benefit Mooreast in 2022.
- Ongoing growth in demand for renewable energy will be a tailwind for Mooreast in the long term.
- Read the full report here.
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|Wed, 24 Nov
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Top Sector Gainers
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|OPEC+ Vows To Respond If Countries Tap Their Oil Reserves
|Treasury Yields Rise After Biden Taps Powell for Second Term
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|Nasdaq dips 1% as bond yields rise, tech falters after Biden picks Powell for second Fed term
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|Gold Price Forecast: XAU/USD bears eye $1,790 as yields cheer Fed Chair nomination
- Moderna (MRNA US) shares added another 7.2% yesterday, likely riding on news of the Food and Drug Administration authorizing its COVID-19 booster for all adults last Friday. The German government previously announced its decision to promote the Moderna booster shot to its citizens. Additionally, Singapore's health minister Ong Ye Kung stated publicly that a combination of the Pfizer-BioNTech vaccination with a Moderna booster jab has a "slight edge" in reducing the risk of COVID-19 infection.
- Shares of Rivian (RIVN US) declined 8.2% yesterday after Ford (F US) announced that it has halted its plans to build an electric vehicle with Rivian. Ford previously made a $500 million investment in Rivian in 2019, planning to jointly create an "all-new, next-generation battery electric vehicle" using Rivian's development platform. Ford shares jumped 5.6%, as the news likely implied to investors that the company's electrification strategy is strong enough to proceed on its own.
- Niu Technologies (NIU US) shares plummeted 16.8% after the company released its third quarter results. Niu reported sales of 1.2 billion yuan for the third quarter, a 37.1% YOY increase, however still missing analysts' estimate of 1.4 billion yuan. Analysts expected earnings per share of 1.18 yuan, but the company reported EPS of only 0.57 yuan.
- Nio (NIO US) shares jumped 7.3% yesterday on rumors of its highly-anticipated flagship luxury sedan, the ET7 which is commonly touted to be a strong competitor for Tesla. The ET7 will be one of three new models the company will launch in 2022. The stock previously plunged nearly 9% last week on reports of sharp decline in deliveries for October.
- Vividthree Holdings (VTH SP) shares surged 55.4% after the company announced that it has raised $2.2 million through placing out 37.5 million new shares to a group of investors to fund acquisitions and fund new projects, including the market of non-fungible tokens, or NFTs. The placement price is at 5.832 cents each, a 10% discount off the stock's last traded price on 16 November before a trading halt was called. The stock will resume trading on 22 November.
- Singapore Press Holdings (SPH SP) and Keppel Corp (KEP SP). Both stocks declined as much as 1.3% before closing flat and 0.9% higher respectively yesterday. It was announced on Sunday that Cuscaden Peak, a group backed by HPL, Ong Beng Seng and 2 Temasek-linked units CLA and Mapletree, that it has secured most of the regulatory approvals needed for its takeover bid of SPH, further cementing its advantage in a bidding contest for the company's property assets. Additionally, SPH has said Cuscaden's offer is superior and has called for shareholders to vote down Keppel's proposal.
- Q&M Dental Group (QNM SP) shares declined as much as 2.5% yesterday before closing flat. It was reported that Quan Min Holdings (an investment company incorporated in Singapore, and also Q&M's ultimate parent company) had acquired 7,584,300 of the company's shares. The shares were acquired at an average price of 59.3 cents per share with a total consideration of S$4,497,276. The acquisitions increased the deemed interest of founder and group CEO, Ng Chin Siau in Q&M from 51.6% to 52.41%.
- QT Vascular (QTVC SP) shares plummeted another 11.1% yesterday. The company announced on Saturday that chief executive and executive director Eitan Konstantino will step down from his role on 30 November, shortly after some shareholders sent in EGM requisition notices to oust him and 3 other members from the company.
Hong Kong
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- Hutchmed (China) Ltd (0013 HK). Shares rose 11.8% yesterday as 12 new class 1 drugs were approved for clinical use. Among them was the HMPL-653 capsule developed by Hutchmed. It is a potent and selective small molecule CSF-1R inhibitor and the drug can be used for patients with advanced malignant solid tumor and tendon sheath giant cell tumor (TGCT).
- China Evergrande New Energy Vehicle Group Ltd (0708 HK). Shares rose 11% yesterday. According to the news, the company has conducted two share placements within one month. On November 19, the company announced that it has signed a placement and subscription agreement with its placing agent worth HK$ 2.7bn. China Evergrande said that the company intends to use the proceeds collected for the company's new energy vehicle research and development and production, laying the foundation for the smooth commissioning of Hengchi new energy vehicles.
- Great Wall Motor Co Ltd (0636 HK). Shares rose 8.1% yesterday after CICC issued a research report maintaining an OUTPERFORM rating on Great Wall Motor with a target price of HK$45. CICC expects Great Wall Motor to have about 33% upside potential, and forecasts a P/E ratio of 28x in 2022. On November 19, the SALOON brand of Great Wall Motor (GWM) made its global debut at the 19th GIAE, along with the first high-performance BEV. Meanwhile, several new models of HAVAL, GWM pickup, TANK, etc. were also unveiled. The bank believes that the SALOON brand is expected to make full use of Great Wall Motor's expertise in the field of smart electric, and it will reshape the new ecology of the RMB 400,000 to 800,000 luxury pure electricity market.
- Sunny Optical Technology (Group) Co. Ltd (2382 HK). Shares rose 7.7% yesterday. Morgan Stanley released a research report stating that management expects smartphone lens upgrades to begin next year, as major contract manufacturers are seeking lenses with different functions (such as dual-lens OIS (Optical Image Stabilizer, etc.)) to capture high-end market share. In addition, the delay to replace mobile phones this year is expected to be alleviated next year when chips and supply chain issues are reduced. According to Morgan Stanley, Sunny Optical is the world's top three VR and AR manufacturers and believes that the related business will grow rapidly in the next two to three years. Sunny Optical believes that it is in a favourable position in the future growth of AR due to its leading R&D capabilities in optical waveguides. However, the company also estimates that before 2024, AR business is unlikely to have a significant revenue contribution.
- MGM China Holdings Ltd (2282 HK), Wynn Macau Ltd (1128 HK). Gaming stocks rose collectively yesterday. MGM shares rose 7.3% while Wynn Macau shares rose 6% yesterday. According to the news, Macau Novel Coronavirus Infection Response Coordination Center announced that as of 11 am on November 19, Macau's overall vaccination rate has reached 70%, and the target population's vaccination rate is 78.8%. In addition, a research report by Motong said that the current valuation of Macau gaming stocks is equivalent to about 9x the estimated corporate value to EBITDA in 2023. It is believed that this has reflected the pessimistic situation of the renewal of gambling licenses, and further downside risks are expected to be limited.
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Middle East Economic Survey
No 39
NBK, IFC Close To Finalizing Purchase Of Stake In Credit Bank Of Iraq
National Bank of Kuwait (NBK) and the International Finance Corporation, the private lending arm of the World Bank, are close to finalizing their purchases of a stake in the Credit Bank of Iraq, MEES understands. The deal, which has been approved by the Central Bank of Iraq but not yet publicly announced, will give NBK a 75% share in the bank, while...
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(CNN)A massive storm system dumping snow on the central US is expected to wallop much of the country's eastern third with snow and freezing rain this weekend, and could cause a crippling ice event in parts of Georgia, Virginia and the Carolinas by Sunday.
Nearly 74 million people in parts of the country's central and eastern thirds were under winter weather alerts Saturday evening, according to the National Weather Service.
Heavy snow already has fallen in the Upper Midwest, and more was being dumped Saturday morning in Missouri, where snow was covering some major highways, transportation officials said.
"Troopers continue working crashes as a result of driving TOO FAST FOR CONDITIONS," the Missouri State Highway Patrol wrote on Twitter. "Roadways are still slick and snow covered in certain areas. Slow down and avoid travel if possible."
The storm will swing Saturday night and Sunday to the Southeast with rain, freezing rain and snow before heading to the Northeast Sunday into Monday.
And it's the freezing rain and ice in parts of the Southeast and Mid-Atlantic that may cause the biggest trouble by Sunday, including power outages.
"This is by far going to be the biggest issue we encounter over the next 48 hours — ice, and a lot of it," CNN meteorologist Allison Chinchar said Saturday morning.
Bookmark this site to check if snow is forecast for your region
Parts of north Georgia and Virginia could get up to a half-inch of ice, and parts of North and South Carolina could see three-quarters of an inch of ice or more, forecasters said.
High winds, coupled with "the weight of that ice on trees and power lines, (are) likely to cause widespread power outages," Chinchar said
The governors of Georgia, North Carolina, South Carolina and Virginia declared emergencies, allowing resources to be positioned ahead of the storm's arrival.
Parts of northern and central Georgia could also see powerful winds Sunday, the National Weather Service in Atlanta said.
"With strong winds and the potential for winter weather, we are highly concerned about downed trees and powerlines knocking out power through Sunday, so prepare now!" the service wrote on Twitter Saturday evening.
Snow also is expected to impact a number of southern cities by Sunday, making for dangerous travel in places like Memphis, Nashville, Atlanta and Charlotte.
Not much changed in the forecast this morning. A WINTER STORM WATCH continues for Middle TN. This watch will become a warning or advisory later today as we work out final details of the higher and lower snow zones. Check out our Situation Report! https://t.co/DBOyKjGDn6 pic.twitter.com/zGUdPbyIKI
More than a foot of snow could fall Sunday into Monday from the southern Appalachians into the interior Northeast.
Heavy snow — including between 8-14 inches in some areas — fell Friday into Saturday morning in parts of the Dakotas, Minnesota and Iowa.
From there, the system dove into Missouri, Arkansas and Kansas, where it was delivering rain and snow Saturday. Heavy bands of snowfall are expected in the Mid-South and Tennessee Valley throughout the day.
Light snowfall began in eastern Oklahoma, including Tulsa, on Saturday evening, and throughout much of central Arkansas.
"Heavy snow has fallen across parts of northern Arkansas already with more to come," National Weather Service Little Rock said on Twitter. "Accumulating snow is expected through tonight across a good part of the state as this dynamic storm system passes through."
Localized areas of Tennessee could see snow exceeding 6 inches Saturday into Sunday.
Southeast may get a mix of everything
How snow differs from freezing rain and sleet
For much of the Southeast, the system will begin in the form of rain on Saturday.
As the temperatures rapidly drop behind a strong cold front, rain will change into freezing rain, sleet and eventually snow for many locations across the Southern Appalachians by Saturday evening.
Georgia Gov. Brian Kemp ordered the state Department of Defense to prepare 1,000 National Guard troops to assist in the response to the storm.
Easy ways to prepare your home for winter storms
In South Carolina, Gov. Henry McMaster urged residents to monitor local weather forecasts and take precautions.
The system is expected to move slowly, setting up a crippling ice storm that could knock out power to millions from northeast Georgia to southern Virginia Saturday night through early Monday morning.
Significant icing in the Piedmont of the Carolinas will likely lead to dangerous travel conditions, power outages and widespread tree damage, according to the Weather Prediction Center.
Cities including Charlotte, Greenville, Winston-Salem and Greensboro are forecast to see ice accumulations of a quarter to a half an inch through Sunday night, alongside wind gusts of up to 40 mph that could take down trees and power lines in the region.
The National Weather Service has issued an ice storm warning for portions of South Carolina, in effect through early Monday, with temperatures likely to remain sub-freezing until the start of next week.
"Significant amounts of ice accumulations will make travel dangerous or impossible. Travel is strongly discouraged," according to the NWS office in Greenville.
The NWS is warning that ice accumulations will become very dangerous along and east of I-85 including Spartanburg, South Carolina, all the way up to Salisbury, North Carolina. This includes the entire metro Charlotte area.
In the southern Appalachian Mountains, the snow totals will go up as quickly as the elevation does. Asheville, North Carolina, for example, is forecast to pick up 8-12 inches, but could reach 20 inches at elevations above 4,000 feet.
Mid-Atlantic and Northeast
Keep these items in your car in case of a storm
The storm will turn northeastward to the East Coast on Sunday and Monday.
Some snow will fall in major metro areas, but a change to rain will hold down the accumulations. Washington could get 2-4 inches, while Philadelphia could get 1-2 inches. New York and Boston are expected to get about an inch each.
Heavier snow is expected elsewhere, with more than a foot expected in some locations.
"As is common with this storm track, the Shenandoah Valley back toward the Alleghenies will be the likely winners in terms of highest snowfall totals," NWS Baltimore said Saturday. "7 to 10 inches is possible, but over a foot is not out of the question where heavier bands form."
Snowfall intensity in the region may be heavy enough to evade significant icing, but NWS Baltimore warns that untreated surfaces may still lead to dangerous travel conditions where ice accumulates.
The majority of accumulating snowfall will occur Sunday afternoon through Monday morning.
Interior cities such as Charleston, Pittsburgh, Buffalo, Syracuse and Burlington, Vermont, will see the heaviest snow.
Prior to the snow event moving into the region, the Northeast will experience cold temperatures and dangerous wind chill.
A major winter storm will begin tonight, creating significant winter weather impacts to the eastern third of the country. More than 1/4" of ice is likely in the Piedmont of the Carolinas, with more than 1 foot of snow possible from the Appalachians into Upstate New York. pic.twitter.com/UyhfL82xN8
Wind chill alerts are in effect for nearly 20 million people Saturday, as feels-like temperatures could drop as low as 40 to 45 below zero in parts of the Northeast.
"The dangerously cold wind chills could cause frostbite on exposed skin in as little as 10 minutes," the NWS warned.
Alongside the snowfall potential, strong winds from the east associated with the storm system could cause major coastal flooding of up to 3 feet above ground in some areas along the Northeast coast during high tide.
The timing of winds shifting from the east to the south will largely determine the severity of flooding, with moderate flooding potential if winds shift prior to high tide.
There will be a strong coastal storm approaching Sunday night and moving through early Monday with increasing concerns about coastal flooding and high winds. Coastal flood watches are in effect for much of our coastlines for high tides on Monday. #NYCwx #NYwx #NJwx #CTwx pic.twitter.com/c7pb2MhIae
"Widespread moderate to locally major flooding of vulnerable areas is possible near the waterfront and shoreline, including roads, parking lots, parks, lawns, and homes and businesses with basements near the waterfront," the NWS in New York said Saturday.
Inundation could cause road closures and structural damage along the Atlantic coastline.
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