Sachs S Pdf - Free Files

SQ. I compiled information, with sources, so you don't have to.

SQ. I compiled information, with sources, so you don't have to.

Financials

Q1 2019 Shareholder Letter
Q1 2019 Highlights
  • Total net revenue $959 million, +43% YoY.
  • Adjusted revenue $489 million, +59% YoY.
  • Adjusted EBITDA $62 million, +72% YoY.
  • Net income (loss) per share ($0.09), -50% YoY. (Due to investment in Eventbrite, not including Eventbrite net income (loss) per share was ($0.06), 0% YoY)
  • Adjusted net income per share $0.11, +83% improvement YoY.
Q2 2019 Guidance
  • Total net revenue $1.09B to $1.11B
  • Adjusted Revenue $545M to $555M
  • Adjusted EBITDA $90M to $94M
  • Net income (loss) per share $(0.07) to $(0.05)
  • Adjusted EPS (diluted) $0.14 to $0.16
Q4 2018 Shareholder Letter
Q4 2018 Highlights
  • Total net revenue $933 million, +51% YoY.
  • Adjusted revenue $464 million, +64% YoY.
  • Adjusted EBITDA $81 million, +97% YoY.
  • Net loss per share ($0.07), -75% YoY. (Due to investment in Eventbrite, excluding Eventbrite net loss per share was ($0.03), +33% YoY.)
  • Adjusted EPS $0.14, +75% YoY.
Q1 2019 Guidance
  • Total net revenue $918M to $938M
  • Adjusted Revenue $472M to $482M
  • Adjusted EBITDA $47M to $51M
  • Net income (loss) per share $(0.12) to $(0.10)
  • Adjusted EPS (diluted) $0.06 to $0.08

News

Square Quietly Launches Program For CBD Cannabis Company Credit Card Processing | May 22 2019
Companies that sell cannabis products—even those consisting of CBD derived from hemp, which was legalized in the U.S. through the Farm Bill late last year—are continuing to have trouble accessing basic financial services that are available to businesses in other sectors. That includes being able to maintain bank accounts and process their customers' credit cards. “Square is currently conducting an invite-only beta for some CBD products,” a spokesperson for the company said in an email. When asked about the reasons for the launching the new program, which comes after years of refusing to work with CBD companies, the spokesperson said that the company closely watches evolving public policies and strives to create new opportunities for clients.
Square Spends $20 to Acquire Each New Cash App User | May 16, 2019
Square's (NYSE: SQ) Cash App has grown to become a meaningful contributor to the company's top-line growth. The peer-to-peer payments app turned financial multitool is the No. 1 driver of its subscription and services segment, management said at the J.P. Morgan Global Technology, Media and Communications Conference. During that conference, CFO Amrita Ahuja noted the company's per-customer acquisition cost for Cash App is about $20. That's actually quite low relative to other financial services, and even compared to other apps.
Square’s AI Platform Could Transform SQ Stock | May 13, 2019
Eloquent Labs is the developer of Elle, which can converse intelligently with a customer through a conventional online-chat platform without any human input from the service provider. While resolving complex customer-service needs remain currently out of reach, Elle can easily handle simpler-but-distracting tasks like returns and product-tracking.
Square teams up with Postmates for delivery partnership | May 9, 2019
Through the arrangement, Square SQ, sellers will be able to use Postmates couriers to get goods to customers who call up to place orders or visit a store. Merchants will be able to integrate Postmates with their existing Square point-of-sale systems.
Square's Bitcoin Platform Remains Surprisingly Profitable | May 7, 2019
Square's bitcoin revenue accounted for 6.8% of its net revenue during the first quarter, compared to 5.1% in the prior year quarter. However, Square's bitcoin profits only accounted for about 0.2% of its gross profit during the quarter, versus less than 0.1% a year earlier. Square's bitcoin business won't move the needle anytime soon, but its top and bottom line growth is impressive, especially since bitcoin shed roughly 40% of its value over the past 12 months. If bitcoin's price rises again and it attracts more buyers, Square's bitcoin revenue and gross profits could surge much higher.
Instead of viewing Square's bitcoin platform as a separate business, investors should see it as part of the company's long-term plan to lock users into its Cash App. Cash is one of the top peer-to-peer payment apps in the U.S. alongside PayPal's (NASDAQ: PYPL) Venmo and the bank-based Zelle, and it's still growing rapidly. Last quarter Square stated that its Cash App payment volume rose nearly 2.5 times annually. For comparison, PayPal stated that Venmo's payment volume rose 73% annually in its most recent quarter.
How Square's Cash App Makes Money (SQ) | May 6, 2019
Square makes money from Cash App by charging businesses transaction fees for using its software. For a 1.5% transaction fee, individual users can expedite deposits to have them transferred immediately into their bank accounts instead of waiting the standard deposit time. They can also send personal payments from credit cards for a 3% transaction fee.
Village Financial Cooperative partners with Square to bring tech and education to the North Side | Apr 18, 2019
Minnesota’s first black-led credit union is partnering with Square to bring financial education and technology to North Minneapolis. Village Financial Cooperative announced the partnership with the San Francisco-based financial technology company on Thursday. In a statement, the credit union made the case that its mission to empower the black community required it to be at the forefront of financial technology, shaping products and practices. Me’lea Connelly, the credit union’s vision and strategy lead, said the partnership, which includes the city of Minneapolis, was a year in the making. It will officially launch April 27 during “Village Squared: A Black Economic Empowerment Symposium,” one of the events closing out Minneapolis Tech Month.
Square (SQ) to Open New Office, Expand Presence in Seattle | April 11, 2019
Square Inc. SQ recently signed a lease to buy a property in Seattle, in view of opening a new office therein. The office is expected to accommodate approximately 100 workers. We believe that the developments will enable it to carry on with new growth initiatives.
Why Square Is Hiring Cryptocurrency Experts | April 3, 2019
Square (SQ) has announced a plan to hire several cryptocurrency experts. Square’s crypto team will work on an open-source initiative as part of the company’s contribution to the development of a cryptocurrency ecosystem. Although Square says the crypto team it’s planning to create won’t focus on its commercial interests, the company still stands to benefit if the team’s efforts lead to the broader uptake of cryptocurrencies such as Bitcoin. Square operates a cryptocurrency exchange that allows users of its Cash App to buy and sell Bitcoin. In the fourth quarter, Square’s Bitcoin business generated $52.4 million in revenue, up from $43 million in the third quarter. Square is already making a small profit from its Bitcoin business even though the overall business is still seeing losses.
Where Does Square Rank in the Food Ordering Market? | April 3, 2019
Caviar is among America’s top five food ordering services. Square (SQ) runs an online food ordering and delivery business called Caviar. Through the Caviar app, people can order food from more than 3,000 restaurants across the United States and have food delivered to their doorsteps. According to the latest rankings of on-demand food delivery services, Square’s Caviar is one of America’s top online food ordering and delivery providers, but it’s currently holding on to a tiny share of the market.
Square Partners with Washington Nationals to Enable Order-Ahead and In-Seat Card Payments at D.C.’s Nationals Park | March 27, 2019
Square has partnered with the Nationals to create a concession stand that offers the only skip-the-line, order-ahead experience in the ballpark, powered by Caviar Pickup. Fans who open the Caviar app from their seats will be able to order their concessions in advance – including beer and wine for fans 21 and over – and receive an alert when their food is ready to be picked up. The stand will feature food from exclusive Caviar restaurant partners, featured in a rotating series of pop-ups throughout the season. On Opening Day, fans will be able to enjoy Hong Kong-style Chinese food from Tiger Fork, with future food options including biscuits from Mason Dixie and ramen from Toki Underground. Square Terminal, the handheld, all-in-one payment processing hardware device, will also be piloted by roving concessions hawkers at Nationals Park. Square Terminal will allow fans to pay using credit cards or contactless payments like Apple Pay or Google Pay as they purchase food and beverage items from the comfort of their seats. With Square’s point of sale and employee management software built right into Square Terminal, it’s easy for hawkers to quickly accept payments. Square Terminal will help fans who don’t carry cash, and will speed transaction times as hawkers spend less time counting change and more time making sales.
Square introduces invoice app; brings Stand to Japan | Mar. 26, 2019
App allows sellers to create, manage, and send invoices using mobile devices. “With the Square Invoices app, small business owners are able to get paid remotely and access their funds quickly and securely," says Alyssa Henry, seller lead at Square. Separately, in Japan, Square introduces Stand for iPad and its reader for contactless and chip.
Square Expands Omnichannel Offerings with New Square Online Store and a Revamped Square for Retail | March 20, 2019
The new Square Online Store allows sellers to grow their business in person and online, with a professional eCommerce website and integrated tools including Instagram selling, shipping, in-store pickup, and more. The new product also brings the Square Online Store experience to restaurants, allowing sellers to offer seamless online ordering from their website, customized pickup times across multiple locations, and the option to easily pay ahead for online orders. Square for Retail, the point-of-sale app optimized specifically for retailers, has also been completely redesigned with expanded product features. For the first time, business owners who also want to sell online can easily create a professional website and automatically connect their Square for Retail catalog to their Square Online Store, allowing them to sync their items, inventory, prices, and data instantly across online and offline channels. Sellers that use Square for Retail and Square Online Store can also enable their customers to easily shop online and pick up their purchases in store, a feature typically only available to larger retailers. Finally, the Retail point-of-sale app has been redesigned to make managing online orders alongside a brick-and-mortar store quick and intuitive.

Leadership

Jack Dorsey - CEO - $2.75
Jack is CEO and Chairman of Square, CEO of Twitter, and cofounder of both.
Amrita Ahuja - CFO -
Amrita is Square’s Chief Financial Officer. She was previously CFO of Blizzard Entertainment, a division of Activision Blizzard, and held various leadership positions at Fox Networks Group, the Walt Disney Company, and Morgan Stanley.
Kevin Burke - Marketing and Sales Lead
Kevin oversees Square marketing, sales, and partnerships, as well as international markets. Prior to joining Square, Kevin was CMO at Visa Inc.
Jesse Dorogusker - Hardware Lead
Jesse leads hardware product development at Square, including design, cross-functional engineering, manufacturing, and operations. Prior to Square, Jesse was the Director of Engineering for Apple’s iPhone, iPad, and iPod Accessories business.
Brian Grassadonia - Cash App Lead
Brian leads Cash App, the fastest and easiest way to pay individuals or businesses. Brian has held a number of leadership positions at Square including helping to launch the company’s flagship credit card reader.
Alyssa Henry - Seller Lead - $3,870,481
Alyssa leads product management, design, and engineering for Square’s seller facing products including payments, point of sale, Customer Engagement, and Payroll. She previously served as VP of Amazon Web Services (AWS) Storage Services and Product Unit Manager for Microsoft SQL Server Data Access.
Sam Quigley - Risk and Security Lead
Sam leads engineering, product management, and data science for risk and information security. As an early engineering leader at Square, Sam helped to build and scale many of Square’s products.
Gokul Rajaram - Caviar Lead
Gokul oversees Caviar, Square’s growing food ordering service. Prior to Square, he served as Product Director of Ads at Facebook and Product Management Director for Google AdSense.
Jacqueline Reses - Square Capital Lead - $3,972,968
Jackie leads Square Capital, overseeing credit products that provide sellers with access to the funding they need to grow and consumers with the ability to pay for purchases over time. She previously served as Yahoo’s Chief Development Officer and was on the Board of Directors at Alibaba Group. She also serves on the Federal Reserve Bank of San Francisco’s Economic Advisory Council.
Sivan Whiteley - General Counsel - $2,796,591
Sivan oversees Square’s legal, regulatory, compliance, and security operations. A longtime leader of Square’s legal team, she previously held positions at Better Place, eBay, and Bingham McCutchen.
Aaron Zamost - Communications, Policy and People Lead
Aaron leads Square’s communications, government relations, and community affairs efforts, as well as human resources and talent. Prior to joining Square, Aaron led business communications at YouTube and managed corporate communications at Google.

Technical analysis

Descending triangle
Daily Chart
Weekly chart

Institutions

May 16 2019 Buckingham reiterated a buy rating with a $100 price target.
May 2 2019 Needham reiterated a buy rating and lowered their price target from $95 to $90.
May 2 2019 Guggenheim reiterated a buy rating and raised their price target from $92 to $94.
April 9 2019 KeyBanc Capital reiterated an outperform rating with a $100 price target.
April 3 2019 Bernstein initiated a market perform rating with an $80 price target.
March 28 2019 Instinet reiterated a buy rating with a $105 price target.
March 27 2019 Macquarie initiated an outperform rating with a $94 price target.
March 25 2019 RBC Capital reiterated an outperform rating with an $88 price target.
February 27 2019 Canaccord Genuity reiterated a buy rating with an $88 price target.
Vanguard, Blackrock, Jennison, Fidelity, Morgan Stanley, State Street, Allianz, and Goldman Sachs are the largest institutional holders of SQ respectively, collectively making up over 25% of ownership.
submitted by nikolabs to RobinHood [link] [comments]

SQ. I compiled information, with sources, so you don't have to!

SQ. I compiled information, with sources, so you don't have to!

Financials

Q1 2019 Shareholder Letter
Q1 2019 Highlights - Total net revenue $959 million, +43% YoY. - Adjusted revenue $489 million, +59% YoY. - Adjusted EBITDA $62 million, +72% YoY. - Net income (loss) per share ($0.09), -50% YoY. (Due to investment in Eventbrite, not including Eventbrite net income (loss) per share was ($0.06), 0% YoY) - Adjusted net income per share $0.11, +83% improvement YoY.
Q2 2019 Guidance - Total net revenue $1.09B to $1.11B - Adjusted Revenue $545M to $555M - Adjusted EBITDA $90M to $94M - Net income (loss) per share $(0.07) to $(0.05) - Adjusted EPS (diluted) $0.14 to $0.16
Q4 2018 Shareholder Letter
Q4 2018 Highlights - Total net revenue $933 million, +51% YoY. - Adjusted revenue $464 million, +64% YoY. - Adjusted EBITDA $81 million, +97% YoY. - Net loss per share ($0.07), -75% YoY. (Due to investment in Eventbrite, excluding Eventbrite net loss per share was ($0.03), +33% YoY.) - Adjusted EPS $0.14, +75% YoY.
Q1 2019 Guidance - Total net revenue $918M to $938M - Adjusted Revenue $472M to $482M - Adjusted EBITDA $47M to $51M - Net income (loss) per share $(0.12) to $(0.10) - Adjusted EPS (diluted) $0.06 to $0.08

News

Square Spends $20 to Acquire Each New Cash App User | May 16, 2019
Square's (NYSE: SQ) Cash App has grown to become a meaningful contributor to the company's top-line growth. The peer-to-peer payments app turned financial multitool is the No. 1 driver of its subscription and services segment, management said at the J.P. Morgan Global Technology, Media and Communications Conference. During that conference, CFO Amrita Ahuja noted the company's per-customer acquisition cost for Cash App is about $20. That's actually quite low relative to other financial services, and even compared to other apps.
Square’s AI Platform Could Transform SQ Stock | May 13, 2019
Eloquent Labs is the developer of Elle, which can converse intelligently with a customer through a conventional online-chat platform without any human input from the service provider. While resolving complex customer-service needs remain currently out of reach, Elle can easily handle simpler-but-distracting tasks like returns and product-tracking.
Square teams up with Postmates for delivery partnership | May 9, 2019
Through the arrangement, Square SQ, sellers will be able to use Postmates couriers to get goods to customers who call up to place orders or visit a store. Merchants will be able to integrate Postmates with their existing Square point-of-sale systems.
Square's Bitcoin Platform Remains Surprisingly Profitable | May 7, 2019
Square's bitcoin revenue accounted for 6.8% of its net revenue during the first quarter, compared to 5.1% in the prior year quarter. However, Square's bitcoin profits only accounted for about 0.2% of its gross profit during the quarter, versus less than 0.1% a year earlier. Square's bitcoin business won't move the needle anytime soon, but its top and bottom line growth is impressive, especially since bitcoin shed roughly 40% of its value over the past 12 months. If bitcoin's price rises again and it attracts more buyers, Square's bitcoin revenue and gross profits could surge much higher.
Instead of viewing Square's bitcoin platform as a separate business, investors should see it as part of the company's long-term plan to lock users into its Cash App. Cash is one of the top peer-to-peer payment apps in the U.S. alongside PayPal's (NASDAQ: PYPL) Venmo and the bank-based Zelle, and it's still growing rapidly. Last quarter Square stated that its Cash App payment volume rose nearly 2.5 times annually. For comparison, PayPal stated that Venmo's payment volume rose 73% annually in its most recent quarter.
How Square's Cash App Makes Money (SQ) | May 6, 2019
Square makes money from Cash App by charging businesses transaction fees for using its software. For a 1.5% transaction fee, individual users can expedite deposits to have them transferred immediately into their bank accounts instead of waiting the standard deposit time. They can also send personal payments from credit cards for a 3% transaction fee.
Village Financial Cooperative partners with Square to bring tech and education to the North Side | Apr 18, 2019
Minnesota’s first black-led credit union is partnering with Square to bring financial education and technology to North Minneapolis. Village Financial Cooperative announced the partnership with the San Francisco-based financial technology company on Thursday. In a statement, the credit union made the case that its mission to empower the black community required it to be at the forefront of financial technology, shaping products and practices. Me’lea Connelly, the credit union’s vision and strategy lead, said the partnership, which includes the city of Minneapolis, was a year in the making. It will officially launch April 27 during “Village Squared: A Black Economic Empowerment Symposium,” one of the events closing out Minneapolis Tech Month.
Square (SQ) to Open New Office, Expand Presence in Seattle | April 11, 2019
Square Inc. SQ recently signed a lease to buy a property in Seattle, in view of opening a new office therein. The office is expected to accommodate approximately 100 workers. We believe that the developments will enable it to carry on with new growth initiatives.
Why Square Is Hiring Cryptocurrency Experts | April 3, 2019
Square (SQ) has announced a plan to hire several cryptocurrency experts. Square’s crypto team will work on an open-source initiative as part of the company’s contribution to the development of a cryptocurrency ecosystem. Although Square says the crypto team it’s planning to create won’t focus on its commercial interests, the company still stands to benefit if the team’s efforts lead to the broader uptake of cryptocurrencies such as Bitcoin. Square operates a cryptocurrency exchange that allows users of its Cash App to buy and sell Bitcoin. In the fourth quarter, Square’s Bitcoin business generated $52.4 million in revenue, up from $43 million in the third quarter. Square is already making a small profit from its Bitcoin business even though the overall business is still seeing losses.
Where Does Square Rank in the Food Ordering Market? | April 3, 2019
Caviar is among America’s top five food ordering services. Square (SQ) runs an online food ordering and delivery business called Caviar. Through the Caviar app, people can order food from more than 3,000 restaurants across the United States and have food delivered to their doorsteps. According to the latest rankings of on-demand food delivery services, Square’s Caviar is one of America’s top online food ordering and delivery providers, but it’s currently holding on to a tiny share of the market.
Square Partners with Washington Nationals to Enable Order-Ahead and In-Seat Card Payments at D.C.’s Nationals Park | March 27, 2019
Square has partnered with the Nationals to create a concession stand that offers the only skip-the-line, order-ahead experience in the ballpark, powered by Caviar Pickup. Fans who open the Caviar app from their seats will be able to order their concessions in advance – including beer and wine for fans 21 and over – and receive an alert when their food is ready to be picked up. The stand will feature food from exclusive Caviar restaurant partners, featured in a rotating series of pop-ups throughout the season. On Opening Day, fans will be able to enjoy Hong Kong-style Chinese food from Tiger Fork, with future food options including biscuits from Mason Dixie and ramen from Toki Underground. Square Terminal, the handheld, all-in-one payment processing hardware device, will also be piloted by roving concessions hawkers at Nationals Park. Square Terminal will allow fans to pay using credit cards or contactless payments like Apple Pay or Google Pay as they purchase food and beverage items from the comfort of their seats. With Square’s point of sale and employee management software built right into Square Terminal, it’s easy for hawkers to quickly accept payments. Square Terminal will help fans who don’t carry cash, and will speed transaction times as hawkers spend less time counting change and more time making sales.
Square introduces invoice app; brings Stand to Japan | Mar. 26, 2019
App allows sellers to create, manage, and send invoices using mobile devices. “With the Square Invoices app, small business owners are able to get paid remotely and access their funds quickly and securely," says Alyssa Henry, seller lead at Square. Separately, in Japan, Square introduces Stand for iPad and its reader for contactless and chip.
Square Expands Omnichannel Offerings with New Square Online Store and a Revamped Square for Retail | March 20, 2019
The new Square Online Store allows sellers to grow their business in person and online, with a professional eCommerce website and integrated tools including Instagram selling, shipping, in-store pickup, and more. The new product also brings the Square Online Store experience to restaurants, allowing sellers to offer seamless online ordering from their website, customized pickup times across multiple locations, and the option to easily pay ahead for online orders. Square for Retail, the point-of-sale app optimized specifically for retailers, has also been completely redesigned with expanded product features. For the first time, business owners who also want to sell online can easily create a professional website and automatically connect their Square for Retail catalog to their Square Online Store, allowing them to sync their items, inventory, prices, and data instantly across online and offline channels. Sellers that use Square for Retail and Square Online Store can also enable their customers to easily shop online and pick up their purchases in store, a feature typically only available to larger retailers. Finally, the Retail point-of-sale app has been redesigned to make managing online orders alongside a brick-and-mortar store quick and intuitive.

Leadership

Jack Dorsey - CEO
Jack is CEO and Chairman of Square, CEO of Twitter, and cofounder of both.
Amrita Ahuja - CFO
Amrita is Square’s Chief Financial Officer. She was previously CFO of Blizzard Entertainment, a division of Activision Blizzard, and held various leadership positions at Fox Networks Group, the Walt Disney Company, and Morgan Stanley.
Kevin Burke - Marketing and Sales Lead
Kevin oversees Square marketing, sales, and partnerships, as well as international markets. Prior to joining Square, Kevin was CMO at Visa Inc.
Jesse Dorogusker - Hardware Lead
Jesse leads hardware product development at Square, including design, cross-functional engineering, manufacturing, and operations. Prior to Square, Jesse was the Director of Engineering for Apple’s iPhone, iPad, and iPod Accessories business.
Brian Grassadonia - Cash App Lead
Brian leads Cash App, the fastest and easiest way to pay individuals or businesses. Brian has held a number of leadership positions at Square including helping to launch the company’s flagship credit card reader.
Alyssa Henry - Seller Lead
Alyssa leads product management, design, and engineering for Square’s seller facing products including payments, point of sale, Customer Engagement, and Payroll. She previously served as VP of Amazon Web Services (AWS) Storage Services and Product Unit Manager for Microsoft SQL Server Data Access.
Sam Quigley - Risk and Security Lead
Sam leads engineering, product management, and data science for risk and information security. As an early engineering leader at Square, Sam helped to build and scale many of Square’s products.
Gokul Rajaram - Caviar Lead
Gokul oversees Caviar, Square’s growing food ordering service. Prior to Square, he served as Product Director of Ads at Facebook and Product Management Director for Google AdSense.
Jacqueline Reses - Square Capital Lead
Jackie leads Square Capital, overseeing credit products that provide sellers with access to the funding they need to grow and consumers with the ability to pay for purchases over time. She previously served as Yahoo’s Chief Development Officer and was on the Board of Directors at Alibaba Group. She also serves on the Federal Reserve Bank of San Francisco’s Economic Advisory Council.
Sivan Whiteley - General Counsel
Sivan oversees Square’s legal, regulatory, compliance, and security operations. A longtime leader of Square’s legal team, she previously held positions at Better Place, eBay, and Bingham McCutchen.
Aaron Zamost - Communications, Policy and People Lead
Aaron leads Square’s communications, government relations, and community affairs efforts, as well as human resources and talent. Prior to joining Square, Aaron led business communications at YouTube and managed corporate communications at Google.

Technical analysis

Descending triangle
Daily chart
Weekly chart

Institutions

May 16 2019 Buckingham reiterated a buy rating with a $100 price target.
May 2 2019 Needham reiterated a buy rating and lowered their price target from $95 to $90.
May 2 2019 Guggenheim reiterated a buy rating and raised their price target from $92 to $94.
April 9 2019 KeyBanc Capital reiterated an outperform rating with a $100 price target.
April 3 2019 Bernstein initiated a market perform rating with an $80 price target.
March 28 2019 Instinet reiterated a buy rating with a $105 price target.
March 27 2019 Macquarie initiated an outperform rating with a $94 price target.
March 25 2019 RBC Capital reiterated an outperform rating with an $88 price target.
February 27 2019 Canaccord Genuity reiterated a buy rating with an $88 price target.
Vanguard, Blackrock, Jennison, Fidelity, Morgan Stanley, State Street, Allianz, and Goldman Sachs are the largest institutional holders of SQ respectively, collectively making up over 25% of ownership.
submitted by nikolabs to wallstreetbets [link] [comments]

Tuition Finance Resistance Info

I thought I would share a whole lot of links I've compiled from recent research. I am working on a full length post (for somewhere) on the underappreciated importance and complexity of the "Undue Hardship" concept. If you are interested or have some suggestions of resources or ideas you do not see here, please let me know.
Sorry the formatting is bad. If any one knows a better way to get bookmarks from chrome to a reddit post, also, please don't spam just let me know and I'll repost.
Taibbi: The Great College Loan Swindle - Rolling StoneWhy It's So Hard to Declare Bankruptcy on Your Student Loans - VICEDebt Dodgers: Meet the Americans Who Moved to Europe and Went AWOL on Their Student Loans - VICELoans ‘Designed to Fail’: States Say Navient Preyed on Students - The New York Times201701_cfpb_Navient-Pioneer-Credit-Recovery-complaint.pdfjulian schmoke - Google SearchSchmoke’s cousin, Julian Schmoke, recently tapped by Trump Administration for Education Department job | Baltimore BrewFormer For-Profit College Dean Now at the Ed Department - The AtlanticReport: Education Department Hires Enforcement ChiefTrump administration selects former DeVry official to lead college enforcement unit - POLITICOalan collinge - Google SearchForbes WelcomeMidPoint | Alan Collinge discusses student loan debt in America - YouTubeHow student debt will cripple the American dream. | Dusty Wunderlich | TEDxUniversityofNevada - YouTubeNew Idiot to Laugh at…(Alan Collinge) « American DustAmazon.com: The Student Loan Scam: The Most Oppressive Debt in U.S. History and How We Can Fight Back (9780807042311): Alan Collinge: BooksTrump’s silence on student loan crisis is deafening | TheHill
Beacon Press: Alan Michael CollingeEducation Finance Statistics Center (EDFIN) - About EDFINCould Student Loans Lead to Debt Prison? The Handwriting on the WallConfusion Clouds Future of Student Loan Forgiveness ProgramsDebunking the Student Loan Bankruptcy Myth | Student Loan Ranger | US NewsStudent Loan Attorney St Louis Missouri | Tate Esq LLC | Powerful guide on how to discharge student loans in bankruptcyDepartment of Education Reaches Decision About Student Loans and BankruptcyIs Trump Mulling Peter Thiel for a Top Intelligence Advisory Post? | Vanity FairNew Fed chair doesn’t understand why student debt can’t be discharged in bankruptcy - MarketWatchBankruptcy Court Tells Dept of Ed to Go Shove IBR as Unrealalistic | HuffPostGive student loans the finger: A new solution to a massive generational outrage - Salon.comDepartment of Education criticized for how it pays debt collectors to chase student loan dollars - The Washington PostThe Debt CollectiveThe College-Loan Scandal: Matt Taibbi on the Ripping Off of Young America - Rolling StoneFour Reasons Young Americans Should Burn Their Student Loan PapersThe Illegitimacy of Student Loan Debt | HuffPostBorrower's Defense to Repayment Student Loan Discharges in 2018 | FSLDHigher Ed, Not DebtWelcome... - The Student Loan Lawyer - Attorney Joshua CohenWhen Is It Time to Hire a Student Loan Lawyer? | Student Loan HeroNew York Student Loan Attorney | New York Debt Relief LawyerWhen Do You Need A Lawyer For Your Student Loan Debt?When to Consider a Student Loan Lawyer - NerdWalletDepartment of Education criticized for how it pays debt collectors to chase student loan dollars - The Washington PostStudent Loans - Smart Contract on Blockchain - Galactic Talk1 of 5 Americans Used School Loans to Buy Cryptocurrency - Bitcoinist.comIs Bitcoin a Comparable Gamble to Student Debt? | Crowdfund InsiderUsing Student Loans to Buy Bitcoin Will Only Lead to More Debt WoesBlockchain and student loans: an urgent problemFormer Sallie Mae CEO at Center of Federal Corruption ProbeAmerican scam: My kid and I are both supposed to go broke paying for college? Forget it - Salon.comUse Google Bookmarks to Share a Ton of Links at OnceAlbert Lord Golf Course | Golfer sets own course - tribunedigital-baltimoresunStudent Loan Balances On Trajectory To Surpass Those Of MortgagesDIY Bankruptcy Resources : StudentLoanBankruptcyStudent loans are in a $1.3 trillion bubble, Goldman Sachs says - Business InsiderTexas Bankruptcy Judge Holds that Not Every Loan Related to Education is a Nondischargeable Student Loan in Purported Class Action | Balch & Bingham LLP - JDSupraAirTalk® | Audio: Should it be easier to wipe out student debt in bankruptcy? | 89.3 KPCCEverything You Need to Know About Student Loans and Bankruptcy : StudentLoanBankruptcyDurbin introduces amendment providing student loan protectionsIs student loan debt the next financial crisis? | TheHillFinancial Crisis Is Over for Housing But Not for Student Loans - BloombergExplainer: the US student loan problem and how we got hereWhy accountability efforts in higher education often failUndue Hardship DefinitionSallie Mae: Buying Political Influence at What Cost? – My CMSSallie Mae Summary | OpenSecretsAttorney General Proves Student Loan Debt Can Be Wiped Out in BankruptcyBankrupt dad battles to get student loan debt forgiven - The Boston GlobeBankruptcy and student loans | Nickless, Phillips & O'Connor | FitchburgMassachusetts man earns court victory in student loan case | Boston 25 NewsStudent Loans Bankruptcy Lawyers Fall River Mass, New Bedford Mass, Taunton MassMassachusetts Bankruptcy Lawyer | Student Loans Blog | Law Office of Robert W. Kovacs, Jr.Massachusetts Student Loan Laws and Assistance - Law Office of Nicholas F. Ortiz, P.CStudent Loan Borrowers AssistanceGetting out of defaultUnderstanding Delinquency and Default | Federal Student AidIBRinfo :: Help is here!Turned Down for Employment Because of Credit Report - Law Office of Nicholas F. Ortiz, P.CBoston Bankruptcy Discharge Attorney | Student Loan Debt Lawyer | Debt Relief Law FirmChaos in the Courts The Meaning of Undue Hardship in 11 U.S.C. 523(a)(8) and the Argument for Establishing a Uniform Federal Standard | ABIYes, You Can Discharge Student Debts And The Feds Want To Make It Even EasierNo Recourse: Putting an End to Bankruptcy’s Student Loan Exception | DemosTime for a Fresh Look at the “Undue Hardship” Bankruptcy Standard for Student Debtors - Iowa Law Review - The University of Iowa College of LawAn undue hardship? Discharging student loans in bankruptcy | Equal Justice WorksGEN1513.pdfYes, You Can Discharge Student Debts And The Feds Want To Make It Even Easier"Undue Hardship" Under Section 523(a)(8): Can the Debtor's Student Loans Be Discharged?U.S. Bankruptcy Code — 2018 EditionIN RE HUNTER, Bankr. Court, ND Illinois 2018 - Google Scholar(8)%22&hl=en&as_sdt=3,26&as_ylo=2018)Legal Institutions Are Not Prepared For More Student Loan Bankruptcies | Above the LawStudent Loan Bankruptcy Assistance ProjectDad wins court victory in effort to erase $250K in student loansStudent Loans and Bankruptcy in Massachusetts | Bridge USStudent-Loan Discharge - An Empirical Study of the Undue Hardship Provision of § 523(a)(8) Under Appellate ReviewUndue Hardship - Poverty Required11 U.S. Code § 523 - Exceptions to discharge | US Law | LII / Legal Information InstituteProject on Predatory Student Lending | Legal Services CenterProject on Predatory Student Lending | Legal Services CenterRepresenting Students | Predatory Student LendingENFORCEMENT GUIDANCE: REASONABLE ACCOMMODATION AND UNDUE HARDSHIP UNDER THE AMERICANS WITH DISABILITIES ACTThe zero percent solution - The Boston GlobeThe American Debt Trap - BloombergCollege leaders should support bankruptcy protection for student loans (opinion)The zero percent solution - The Boston GlobeFear not the Difficulty of Discharging Student Loans in Bankruptcy - The Student Loan Lawyer - Attorney Joshua CohenStudent Loans, Bankruptcy, and the Fresh Start Policy: Must Debtors Be Impoverished to Discharge Educational Loans 71 Tulane Law Review 1996-1997Higher Education Amendments of 1998 (1998; 105th Congress H.R. 6) - GovTrack.usSection 971 -- 1998 Amendments to Higher Education Act of 1965Section 432 -- 1998 Amendments to Higher Education Act of 1965Will California Congressman Buck McKeon Go Down? | The NationCorporate Lobbyists Manage Our Presidential Debates | The NationThe Truth About Student Loan Bankruptcy Discharge | Loans Advice | US NewsWho got rich off the student debt crisis | RevealStudent Debt: Lives on Hold - Consumer ReportsYou Should Care About The Bank Exactly As Much As It Cares About You | Current AffairsHow parents can help their children avoid regretting their college debt - MarketWatchGetting Prepared Before Seeking Help | Federal Student AidContact Us | Federal Student AidFederal Student AidGetting Out of Default | Federal Student AidShould I Consolidate or Rehabilitate my Federal Student LoanDefense to Repayment Application — The Debt CollectiveContact — The Debt CollectiveStudent Debt Research - The Debt Collective
submitted by diogenesjr to studentloandefaulters [link] [comments]

Bitcoin reports by banks

I am compiling a list of publicly available Bitcoin reports done by banks. Did I miss any?
Central banks
Reports
Warnings
Commercial banks
Reports
Other
submitted by bobthesponge1 to Bitcoin [link] [comments]

Did The IMF Reveal That Cryptocurrency Is The New World Order End-Game?

Authored by Brandon Smith via Alt-Market.com,
There are two kinds of globalist schemes:
First, there are the schemes they spring on the public out of nowhere haphazardly in the hopes that the speed of the event along with some shock and awe will confuse the masses and make them psychologically pliable. This strategy loses effectiveness quickly, though; the longer the plan takes to implement, the more time the people have to reconsider what is actually happening and why.
Second, there are schemes they slowly implant in the collective psyche of the citizenry over many years, much like subliminal messaging or hypnosis. This strategy is designed to make the public embrace certain destructive ideologies or ideas as if these ideas were their own.
The cryptocurrency scam is of the second variety.
I have been suspicious of the cryptocurrency narrative of a “decentralized and anonymous monetary revolution” since 2009, when I was first approached by people claiming to be “representatives” of bitcoin and asked to become a promoter of the technology. After posing a few very simple questions and receiving no satisfactory answers, I declined to join the bandwagon or act as a frontman.
The “currency” was backed by nothing tangible (and no, math is not a tangible resource). Anyone could create a cryptocurrency out of thin air that had attributes identical to bitcoin, therefore there was no intrinsic value to the technology and nothing stopping the creation of thousands of similar currency systems, eventually making bitcoin worthless. The scarcity argument for crypto was fraudulent. And, in the event of a grid down or an internet lock-down scenario (as has occurred in the past in nations under crisis), crypto was useless because the blockchain ledger was no longer accessible.
Trading with private wallets made little sense; how many people were you likely to run into in your community with a bitcoin wallet? The amount of time and energy required to accumulate these digital nothings seemed counterproductive to me in light of the fact that they might not be there when you actually needed them.
The only attributes that truly made bitcoin valuable were its branding and the amount of hype that was generated around it. But branding and hype are not enough to sustain a currency revolution. There was one other valuable characteristic — the supposed anonymity. In 2009, it was not clear whether this was legitimate. Today we now know that ANY cryptocurrency that is based on a blockchain ledger is highly traceable. There are no anonymous digital transactions no matter how savvy a person thinks they are.
I was also suspicious of the behavior of some bitcoin proponents in web forums. Anyone presenting concrete criticism of the technology was met with aggressive Alinsky-style attacks. They were accused of being “ignorant barbaric gold stackers” that were too stupid to understand the “genius” of the blockchain and how it works. Disinformation was rampant. Claims of anonymity that had long been debunked were brought up over and over again. The value of bitcoin was faunted as an end-all-be-all argument as to why the critics were wrong. Bitcoin’s price was skyrocketing; therefore, bitcoin was legit.
These were the kinds of tactics I had seen used by disinfo agents in the past; people arguing in favor of the Federal Reserve or globalism in general, or the people claiming that man-made global warming was "self-evident". This was not the behavior I had come to expect from liberty movement activists, who at that time were focused on facts and evidence to win the information war, rather than dishonest mind games and lies.
Conclusion — there was a concerted campaign to push liberty activists through “peer pressure” to adopt a pro-crypto stance. But who actually benefits from this?
Some investors in crypto made a considerable profit on bitcoin and other digital assets for a time, but today many of them are losing their shirts as bitcoin and most coins tumble in value. It is perhaps no coincidence that cryptocurrencies act as though they are anchored to the tech bubble in stock markets. As tech stocks flail and plummet, so too are crypto assets, because cyrptocurrencies are traded like equities in a bubble, not monetary mechanisms. Many of us who were averse to the bitcoin hype train often used the Dutch tulip analogy for why crypto valuations were absurd, and obviously that analogy was not far from the mark.
I wonder sometimes about the people who used to argue that bitcoin’s high value made its legitimacy self-evident; would they now concede with bitcoin’s plunging value that its legitimacy was in question? I’m guessing they probably won’t.
Crypto was also an effective distraction from people trying to build precious metals based alternatives to the the current economic environment. Bitcoin siphoned up activist energy and redirected it into something useless rather than a system that might truly threaten the central banking establishment.
Beyond that, the entire crypto-storm over the past decade has done one thing very well — it made the idea of cryptocurrencies a household discussion, and I believe this was the goal all along. Once I found growing evidence that international and central banks were deeply involved in building the infrastructure needed to make blockchain technology go global and universal, it became obvious that bitcoin and other coins were merely a pregame test for the introduction of something rather sinister.
In my article “The Globalist One World Currency Will Look A Lot Like Bitcoin”, published in July 2017, and in my article “The Virtual Economy Is The End Of Freedom,” published in December 2017, I outlined the questionable nature of cryptocurrencies and the blockchain and why the banking elites seem to be so interested in them.
It was odd that bitcoin was built around the SHA-256 hash function created by the National Security Agency, and that the entire concept was remarkably similar to what was described in an NSA paper published in 1996 titled ‘How To Make A Mint: The Cryptography Of Anonymous Electronic Cash.’
Then, there were globalist institutions like Goldman Sachs coming out publicly in praise of crypto and blockchain tech. And, finally, central banks began entertaining the notion of moving into crypto, but they made it sound like they were approaching the idea half-heartedly, like it was a potential hobby.

So what ties the entire crytpo-scheme together? The International Monetary Fund has now openly revealed their affinity with crypto technology, and thus revealed the new world order end game.
In a paper published last week by IMF head Christine Lagarde titled “Winds Of Change: The Case For New Digital Currency”, the IMF builds its argument for why central banks including the IMF should embrace crypto as the future of monetary policy.
As I warned last year, the shift into crypto was not at all a “revolution” against the globalists, but a con designed by the globalists in part to get liberty proponents to become unwitting salesmen for the next phase of the economic control grid. But how do they intend this end game to play out?

In 1988, The Economist, a globalist publication, “predicted” (or rather, announced) that a global currency system would be launched in the year 2018. It is now clear that crypto and the blockchain are that system. This system would eventually use the IMF’s Special Drawing Rights basket as a kind of bridge to a one world currency, which they referred to as the "Phoenix". Though some people claim that the SDR itself is not a currency, globalists apparently disagree.
Mohamed El-Erian, former CEO of PIMCO, praised the idea of using the SDR as a world currency mechanism and as a means to counter “populism,” reiterating the plan outlined in _The Economist_in 1988.
In _The Economist_ article, it is also hinted that the role of the U.S. as an economic center for the world and the role of the dollar as world reserve currency will have to be diminished in order to clear a path for the new world order system. We see this already taking place now, as we verge on an economic crisis which could easily collapse equity markets, bond markets, as well as the reserve status of the dollar itself.
Lagarde’s latest piece is written like a sales pitch, selling the idea of central bank crypto not to central bankers, but to the financial media. The media will undoubtedly run with the talking points Lagarde suggests and regurgitate them in a blaze of articles as to why global crypto controlled by the IMF is the solution to all our fiscal problems.
The very core of the movement toward global crypto, I believe, is the destruction of anonymity in trade through a "cashless society". When all trade is watched, all trade can be controlled. Beyond this, by monitoring trade transactions on a macro-scale, globalists can also, in a way, monitor mass psychology and predict public behavior to a point.
Lagarde notes specifically in her article that anonymity from government oversight is unacceptable. She argues that any central bank cryptocurrency will have to ensure that private exchange is limited, and that centralized surveillance of transactions is warranted and necessary. What she of course fails to mention is that blockchain technology is already set up for government surveillance. It always has been. Not only this, but the very fabric of the blockchain requires that transactions are added to the ledger in order for the system to function. There is a built-in excuse for surveillance.
The only question is how exactly the IMF plans to attach the SDR basket to a crypto framework. This is not specifically described in Lagarde’s paper. I expect that this will not be a process of slow adaptations. Instead, it will be introduced swiftly in the midst of public panic.
The “everything bubble” created by central banks over the past decade is ready to pop. The Federal Reserve in particular has been enthusiastic about cutting off all stimulus measures, dumping assets from their balance sheet and raising interest rates into economic weakness during the worst corporate and consumer debt environment since 2008.
I suggest that the IMF already has a cryptocurrency mechanism ready to replace the dollar as world reserve, and that it will be infused into the SDR basket at the height of the coming crash. The fact that the IMF has been introducing central bank crypto talking points over the past year indicates to me that the crash is imminent. * * *
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submitted by rotoreuters to zerohedge [link] [comments]

Accounting, Blockchain, and Cryptocurrency

I have lurked here for the memes, but the recent growth of Ethereum has really sparked my interest in blockchain technology and its implication on tax and audit. To start this conversation on accounting, I have made a guide to start your cryptocurrency journey if you are new to the space, and some interesting articles from accounting firms regarding their expansion into the space. Enjoy!
So I have a lot of resources on crypto in general and I’ll try to break them up as best as I can, but this is going to be all over the place. I recommend reading this post through before you actually click on the links because I’ll tell you how to invest some money into Ethereum/Bitcoin towards the end.
So cryptocurrency is basically the intersection of cryptography (a mathematical field, think “Imitation Game”), game theory, finance, law and computer science. To start, I recommend reading this: https://media.consensys.net/programmable-blockchains-in-context-ethereum-s-future-cd8451eb421e
So just some things to google before you delve in: What is cryptocurrency? What is bitcoin? · https://bitcoin.org/bitcoin.pdf is the paper that this person or group of people put out in 2008 that highlighted Bitcoin, an idea that had not been possible before because of the limited computing power available. · https://news.bitcoin.com/blockchain-setting-record-straight/ What is the blockchain? · https://www.youtube.com/watch?v=bBC-nXj3Ng4 What is ethereum? What are smart contracts? What do transactions look like on the blockchain?
Secondly, you’re going to have to start using Reddit. The cryptocurrency communities are really integral to the development of these products. The guy who created Ethereum, Vitalik Buterin, posted on bitcoin and found his first followers there. The subreddits also have a ton of learning material on the sidebars. The most important ones are: reddit.com/cryptocurrency reddit.com/ethereum reddit.com/ethtrader reddit.com/bitcoin
Once you get past the memes, there’s some really good discussion of all the new technology being developed on Ethereum.
Once you’ve introduced yourself to this space, here are some very comprehensive guides that’ll start to make a little bit more sense. These both have a lot of further links that’ll repeat everything from above, but go way more in depth: · https://thecontrol.co/some-blockchain-reading-1d98ec6b2f39 · https://github.com/Scanate/EthList/blob/masteREADME.md
So that’s a lot of the reading material that’ll get you started. Next is actually buying ether: Personally, I recommend reading this guide (https://www.ethadvisor.com/beginners-guide-to-ether-ethereum-investing.pdf) before you do because there are lots of ways to mess this up if you’re investing a lot of money. Most people use “cold storage”, or offline devices that hold their currency. This is something that looks like a USB that holds your cryptocurrency offline and is inaccessible to hackers. I haven’t invested in this because I haven’t put in a lot of money, but as your investment grows, you’ll have to start thinking about this. Anyways, here’s how you get started in purchasing ether: 1. Go to coinbase.com (Very reliable marketplace, though customer service is lacking) 2. Make an account with an email that doesn’t have your name in it and has a super secure password. Make sure that email has Two-factor authentication with your phone number. I’ll teach you more about security later. 3. Make sure your Coinbase account also has TFA. 4. Then, connect your credit card or bank account as a payment method. 5. Coinbase will charge you two transactions that are both about a dollar to your credit card and you’ll have to verify the exact amount by checking the temporary authorizations on online banking. Once you verify those, you’re ready to buy. 6. To buy, just click buy, hit ETH, then enter how many $’s you want to buy. It’ll automatically tell you what the corresponding ETH is. Hit buy as fast as you can because the prices change so often that it might cancel the transaction. 7. Once you buy, it’ll take a bit to verify. If it doesn’t verify (through email), then your credit card company might’ve blocked the transaction (this happened to me with Wells Fargo and royally screwed me because I couldn’t buy at a cheap price ☹)
And finally, we can start the conversation in relation to accounting! So blockchain technology has the potential to upend a lot of what accountants do because of the transparency and real-time interaction it brings. With a public ledger that is accessible to anyone at anytime, it will definitely affect accounting as we know it now. With this technology comes new regulations and the use cases are new enough that this is very uncharted territory. Regardless, big 4 and regulating authorities and throwing a lot of resources to get ahead of the probable wide adoption of blockchain technologies into businesses. Here are some publications and resources from the firms themselves:
EY: http://www.ey.com/Publication/vwLUAssets/ey-blockchain-reaction-tech-companies-plan-for-critical-mass/$FILE/ey-blockchain-reaction.pdf
http://www.ey.com/Publication/vwLUAssetsPI/EY-blockchain-how-this-technology-could-impact-the-cfo/$FILE/EY-blockchain-how-this-technology-could-impact-the-cfo.pdf
https://www2.deloitte.com/uk/en/pages/innovation/articles/blockchain.html
Goldman Sachs has a really cool interactive website that delves into different aspects of blockchain: http://www.goldmansachs.com/our-thinking/pages/blockchain/
And finally, there was recently a conference in New York that saw many top accounting firms explaining their push into blockchain as well as top Ethereum developers and entrepeneurs (Joseph Lubin, Ryan Zurrer, etc.) discussing the potential impacts of Ethereum with respect to accounting. Here is the website for that (Livestream recordings are here): https://www.accountingblockchain.net/ )
I would really love to hear about what you guys think the impact of this technology could be on the accounting profession and what we should do to future-proof our jobs! Thanks!
submitted by arsalaan123 to Accounting [link] [comments]

Bitcoin reports by banks [Update #1]

I am compiling a list of publicly available Bitcoin reports done by banks. Did I miss any?
Central banks
Reports
Warnings
Commercial banks
Reports
Other
submitted by bobthesponge1 to Bitcoin [link] [comments]

Any U of A people familiar with the blockchain and/or bitcoin?

I first heard about it in an F2013 BUEC class. A lot of organizations are looking into how this stuff will impact the way we live:
 
 
Even U of A Profs are writing about it.
 
Given how much technology has changed over the last decade or in your lifetime, what do you think blockchain/bitcoin's impact will be?
submitted by FlyingSheng to uAlberta [link] [comments]

Ripple , Rothschild , R3 , Goldman Sachs , SBI , SEC , Luxembourg , Russia And XRP URGENT!! BITCOIN MAJOR MOVE!!! DOLLAR COLLAPSING!!! $120,000,000 USDT MINTED! Electroneum-semne de viata? Marketcapul trece de 450MLD, Ethereum750+, Iota 2.5+,Goldman Sachs ex Goldman Sachs Trader Tells Truth about Trading - Part 1 ... BITCOIN Going To $100,000 Says Former Goldman Sachs Analyst - Binance Trust Wallet - Flexa Canada

In April 2015, Goldman Sachs, along with China-based IDG Capital Partners, led a $50 million investment into Circle Internet Financial Limited, a bitcoin start-up working on using bitcoin’s ... PDF On Mar 20, 2017, Michael Nofer and others published Blockchain Find, read and cite all the research you need on ResearchGate . Article PDF Available. Blockchain. March 2017; Business ... Goldman Sachs filed a patent application last month for a securities settlement system based on a new cryptocurrency called “SETLcoin”. In a US Patent & Trademark Office application, dated 19th November, Goldman Sachs outlines a “Cryptographic Currency For Securities Settlement” that allows peer-to-peer participants to exchange cryptographic tokens representing securities with instant ... BITCOIN: CURRENCY OR FOOL’S GOLD?: A COMPARATIVE ANALYSIS OF THE LEGAL CLASSIFICATION OF BITCOIN ... resources/documents/NBER.pdf. 8. See Lo & Wang, supra note 3, at 2 (―What attracted unprecedented interest in Bitcoin around the turn of the year . . . was the meteoric rise of bitcoin‘s price.‖). 9. See Kaplanov, supra note 5, at 3 (concluding that bitcoin use is not contemplated under ... File Name: Sachs S Pdf Format: PDF, ePub, Docx Status: 🥇 Rating: 1314 votes Last Checked: 35 Minutes ago! Download Read Online. Related Document of: Sachs S Pdf. 3 Ares 2013 2635625 Email Redacted Pdf pdf . Sachs Dolmar 110 Chainsaw Manual pdf . Cloning And Characterization Of An Anaerobically Induced pdf . Pdf Møller S Energy In The Kantowski Sachs Space Time pdf . Sachs 125 Roadster ...

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Ripple , Rothschild , R3 , Goldman Sachs , SBI , SEC , Luxembourg , Russia And XRP

CLICK HERE - https://www.itpm.com/ - On February 7th 2013, the Institute of Trading and Portfolio Managements Managing Partner Anton Kreil was interviewed at... #Bitcoin falls below critical support! Was Goldman Sachs wrong? Millennials still prefer $BTC (and don’t trust banks), BTC sees $900 premium on Argentinian e... James Winsoar discusses the current state of cryptocurrency including technical analysis of the charts and news stories. Open A Coinbase Account To Buy Bitcoin Or XRP https://bit.ly/2YHw67a Earn Interest Or Borrow On Your Crypto At BlockFi Click Here To Start: https://bit.ly/2vzbpjN #xrp #ripple #bitcoin #ethereum # ... #Bitcoin ready for next big move! Goldman Sachs warns of dollar collapse as Fed gears up to print trillions more! Gold and $BTC act as stores of value, Grays...

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