I am a 22 yr old recent Civil Engineering graduate from a Canadian university . Unfortunately for me I found out in my 3rd ish year I didn’t really like civil engineering and like mathematics/statistics more but the cost of starting over was way too much for me(international student). Now I just graduated my plan was to work for a few years so save some money and go into a masters in finance/financial engineering. From what I have researched so far it is very difficult to get into some schools since I didn’t take some classes in advanced mathematics/statistics. I was wondering if anyone that was in engineering and ended up in the finance industry could explain how I should go about this new path I want to take. Any advice will be greatly appreciated! Thanks

Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
ACADEMIC TASKS MY TEAM AND I CAN COMPLETE:

• Entire Degree Programs
• Full Online Classes (1 - 20+ Weeks Long)
• Proctored Exams Quizzes Tests
• Homework Assignments
• Research Papers Term Papers Essays
• Projects & Labs
• Discussion Posts
• Annotated Bibliographies
• Employment Assessments
• Certification Programs

MY TEAM'S CLASSES OF EXPERTISE:

• Statistics: AP Statistics Biostatistics Business Statistics Elementary Statistics Intro to Statistics Psychology Statistics Social Science Statistics Statistics & Probability Statistical Methods Statistical & Probability Models
• Math: Advanced Functions Algebra Calculus 1, 2, 3 (and 4 in some schools) Vector Calculus Differential Calculus Integral Calculus Multivariable Calculus Differential Equations Discrete Math Discrete Structures Finite Mathematics Functions Geometry Linear Algebra Precalculus Probability Real Analysis Statistics Trigonometry Quantitative Methods & Reasoning
• Science: Anatomy & Physiology Astronomy Biochemistry Biology Chemistry (General, Inorganic & Organic) Dental / Pre-Dental Earth Science Engineering (Almost All Types) Environmental Science Epidemiology Fluid & Mechanics Geology Geophysics Medicine / Pre-Med Microbiology Neuroscience Physics Physical Science
• Business: Accounting Auditing Banking Business Administration Business Law Corporate Finance Cost Accounting Econometrics Economics Finance Financial Institutions Financial Reporting Global Economics Governance International Economics Macroeconomics Management Marketing MBA Courses Mergers and Acquisitions Microeconomics Operations Management Principles of Accounting Real Estate Taxation
• English: Business Writing Creative Writing Critical Reading Digital Media Eastern Literature English Literature Essays Expository & Persuasive Writing Fiction Writing Greek and Roman Philosophy Grammar Poetry
• Humanities & Social Sciences: Architecture Anthropology Art History Communication Criminal Justice Forestry Ethnic Studies Film History Law Pre-Law Music Philosophy Political Science Psychology Psychiatry Religious Studies Sociology Theology Women Studies
• Computer Science & Programming: Android AWS Azure Blockchain Cryptocurrency Smart Contracts C C# C++ Cloud Computer Organization and Assembly Languages CSS Data Science Data Structures and Algorithms Deep Learning Design Patterns Game Design and Development iOS Java Javascript Machine Learning MATLAB MySQL Networking NoSQL Object Oriented Programming Operating Systems PHP Principles of Computer Science Programming for Virtual Reality Programming Languages Python R Robotics Ruby Software Engineering SQL Swift Web Development

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom

TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:

1. U.S. Citizenship Status: I have native-born U.S. citizenship status, an 100% authentic & natural U.S. American accent, and a verified New Jersey, USA residence. I can speak on the phone professionally in both perfect native U.S. English and fluent Canadian English.
2. U.S. 212 Phone Number: I have a verified U.S. American business phone number with the prestigious 212 area code (212-380-1856 - Ext 3) that can both send & receive phone calls, texts, voicemails, photos, and website links.
3. Social Media Verified: I have an active & verified online social media presence with my name and contact info regularly showing up on all major search engines including: Google, Yahoo, and Bing.
4. Professional Website: I have a professional, well-designed, well-written, 100% secure SEO-optimized WordPress business themed website: Hiraedu.com
5. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
6. Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
7. 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
8. Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original New Jersey IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
9. Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor using 3 highly effective proven methods. Option 1 - WhatsApp: I use WhatsApp to have the student discreetly text me photos of the exam questions outside of the webcam’s view and I text them the correct solutions to the exam questions. Option 2 - Screen Share: Using screen share software like Zoom to see the student’s screen displaying the exam questions and I text the correct solutions. Option 3 - Remote PC Access & Control: Using remote computer access software like to control the student’s mouse and keyboard from my own computer.
10. Study Help Apps: I have over 15+ paid subscriptions to a wide range of study help apps, software, websites, and programs to help me solve exam & homework questions faster and more efficiently. Some of these resources include: Brainly, Chegg, CourseHero, Quizlet, SymboLab & WolframAlpha.
11. Calculators & Math Software: I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
12. Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
13. Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats.
14. Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
15. Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.

HOW I CALCULATE FINAL RATES:

• Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
• Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
• Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.

ABOUT MY RATES & PAYMENT OPTIONS:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, native born U.S. resident status, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Completing someone else's exam, essay, or homework assignment is obviously NOT something you can just freely ask anyone to do, especially on the internet. Therefore, such help should be well-compensated. Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide. However, I may be willing to negotiate rates if necessary.
• Payment Methods: I accept PayPal (required for all Canadian students), Venmo, Zelle, Cash App, and anonymous credit & debit card payments via online invoice.
• Payment Plans: I offer the following payment plans for my services: weekly (most expensive), monthly, half-now / half-later, and all upfront (least expensive).
• Money Back Guarantee: I guarantee the following grades for coursework completed: A+. A, A-, B+, B. and B-. However, I offer a 50% refund for C+, C, and C- grades, and a full 100% refund for D+, D, D-, and F grades.

CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:

• Full Class Help Rates: $595 – $2495 USD
• Exam & Test Help Rates: $150 – $350 USD
• Quiz Help Rates: $60 – $180 USD
• HW Assignment Help Rates: $60 – $420 USD
• Essay & Paper Writing Help Rates: $19 – $29 USD per 300 words

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, and accent. I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• Not Worth the Money: I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• Most Students are Broke: I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes.
• Waste of Time & Energy: Communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine.
• All My Payment Apps are Still Active: If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now.

If you are unable to pass your AWS Certification Exam, get paid help from Online Helpers at Hiraedu!
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
CONCLUSION:

• My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
• Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text, email, and call almost 24/7/365.

TAGS:
^{Accounting Exam Help Reddit, Best Online Test Takers Reddit, Best Ways to Cheat on a Test Reddit, Best Website to Pay for Homework Reddit, Bypass Respondus Lockdown Browser Reddit, Calculus Test Taker Reddit, Canvas Cheating Reddit, Cheating in Online Exam Reddit, Cheating on Pearson Mymathlab Reddit, Cheating on Proctortrack Reddit, Cheating on Zoom Proctored Exams Reddit, Cheating on a Test Reddit, College Algebra Mymathlab Reddit, Do Homework for Money Reddit, Do My Assignment Reddit, Do My Exam for Me Reddit, Do My Homework for Me Reddit, Do My Math Homework Reddit, Do My Math Homework for Me Reddit, Do My Test for Me Reddit, Doing Homework Reddit, Domyhomework Reddit, Exam Cheating Reddit, Exam Help Online Reddit, Examity Reddit, Finance Homework Help Reddit, Fiverr Exam Cheating Reddit, Gradeseekers Reddit, Hire Someone to Take My Online Exam Reddit, Hire Test Taker Reddit, Homework Help Reddit, Homework Sites Reddit, Homeworkdoer. org Reddit, Homeworkhelp Reddit, Honorlock Reddit, How Much Should I Pay Someone to Take My Exam Reddit, How to Beat Honorlock Reddit, How to Beat Lockdown Browser Reddit, How to Cheat Examity Reddit 2022, How to Cheat Honorlock Reddit, How to Cheat and Not Get Caught Reddit, How to Cheat in School Reddit, How to Cheat on Canvas Tests Reddit, How to Cheat on Examity Reddit, How to Cheat on Honorlock Reddit, How to Cheat on Math Test Reddit, How to Cheat on Mymathlab Reddit, How to Cheat on Online Exams Reddit, How to Cheat on Online Proctored Exams Reddit, How to Cheat on Zoom Exam Reddit, How to Cheat on Zoom Exams Reddit, How to Cheat on a Proctored Exam Reddit, How to Cheat with Proctorio 2020 Reddit, How to Cheat with Proctorio Reddit, How to Cheat with Respondus Monitor Reddit, How to Get Past Lockdown Browser Reddit, Hwforcash Discord, I Paid Someone to Write My Essay Reddit, Is Hwforcash Legit, Lockdown Browser Hack Reddit, Lockdown Browser How to Cheat Reddit, Math Homework Reddit, Monitoredu Reddit, Mymathlab Answer Key Reddit, Mymathlab Answers Reddit, Mymathlab Cheat Reddit, Mymathlab Proctored Test Reddit, Online Exam Help Reddit, Online Exam Proctor Reddit, Online Proctored Exam Reddit, Organic Chemistry Exam Help Reddit, Organic Chemistry Test Taker Reddit, Paper Writers Reddit, Pay Me to Do Your Homework Reddit, Pay Me to Do Your Homework Reviews Reddit, Pay Someone to Do Homework Reddit, Pay Someone to Do My Assignment Reddit, Pay Someone to Do My College Homework Reddit, Pay Someone to Do My Homework Reddit, Pay Someone to Do My Math Homework Reddit, Pay Someone to Do My Online Class Reddit, Pay Someone to Do My Online Math Class Reddit, Pay Someone to Do My Programming Homework Reddit, Pay Someone to Do Statistics Homework Reddit, Pay Someone to Take Exam Reddit, Pay Someone to Take Exam for Me Reddit, Pay Someone to Take My Calculus Exam Reddit, Pay Someone to Take My Chemistry Exam Reddit, Pay Someone to Take My Exam Reddit, Pay Someone to Take My Online Class Reddit, Pay Someone to Take My Online Exam Reddit, Pay Someone to Take My Proctored Exam Reddit, Pay Someone to Take My Test in Person Reddit, Pay Someone to Take Online Class for Me Reddit, Pay Someone to Take Online Test Reddit, Pay Someone to Take Your Online Class Reddit, Pay Someone to Write My Paper Reddit, Pay for Homework Reddit, Pay to Do Homework Reddit, Paying Someone to Do Your Homework Reddit, Paying Someone to Take My Online Class Reddit, Paying Someone to Take Online Class Reddit, Paysomeonetodo Reddit, Physics Test Taker Reddit, Proctored Exam Reddit, Reddit Do My Homework for Me, Reddit Domyhomework, Reddit Homework Cheat, Reddit Homework Help, Reddit Homework for Money, Reddit Honorlock Cheating, Reddit Mymathlab Hack, Reddit Mymathlab Homework Answers, Reddit Paid Homework, Reddit Pay Someone to Do Your Homework, Reddit Pay Someone to Take Online Test, Reddit Pay for Homework, Reddit Pay to Do Homework, Reddit Test Takers for Hire, Reddit Tutors, Should I Pay Someone to Take My Exam Reddit, Statistics Test Taker Reddit, Take My Calculus Exam Reddit, Take My Class Pro Reddit, Take My Class Pro Reviews Reddit, Take My Exam for Me Reddit, Take My Math Test for Me Reddit, Take My Online Class Reddit, Take My Online Class for Me Reddit, Take My Online Exam for Me Reddit, Take My Online Exams Reddit, Take My Online Exams Review Reddit, Take My Online Exams Reviews Reddit, Take My Online Test Reddit, Take My Online Test for Me Reddit, Take My Physics Exam for Me Reddit, Take My Proctored Exam for Me Reddit, Take My Statistics Exam for Me Reddit, Take My Test for Me Reddit, Takemyonlineexams Reddit, Test Taker Reddit, We Take Classes Reddit, Write My Exam for Me Reddit}

Results from the 2021 Census revealed that more than three-quarters (76.2%) of the 230,080 children aged 5 to 17 who were eligible for instruction in English in Quebec in 2021 were attending or had attended an English-language primary or secondary school.
However, the booklet “Maps and key facts on schooling in English-language schools in Quebec, 2021,” released today, shows that this proportion varied across regions and municipalities. Here are a few highlights:

• On Montréal Island, more than four in five eligible children attended an English-language school in 2021 or had attended one in the past.
• Almost one-quarter of eligible children who had never attended an English-language school in 2021 lived in the Lanaudière, Laurentides or Outaouais regions.
• In some municipalities, all eligible children attended an English-language school.

We are Canada’s national statistical agency. We are here to engage with Canadians and provide them with high-quality statistical information that matters! Publishing in a subreddit does not imply we endorse the content posted by other redditors.
***
Les résultats du Recensement de 2021 ont révélé que plus des trois quarts (76,2 %) des 230 080 enfants âgés de 5 à 17 ans qui étaient admissibles à l’instruction en anglais au Québec en 2021 fréquentaient ou avaient déjà fréquenté une école primaire ou secondaire de langue anglaise.
Cependant, le livret intitulé « Cartes et faits saillants sur les études dans les écoles de langue anglaise au Québec, 2021 », qui a été publié aujourd’hui, montre que cette proportion variait d’une région à l’autre et d’une municipalité à l’autre. Voici quelques faits saillants :

• Sur l’île de Montréal, plus de 4 enfants admissibles sur 5 fréquentaient une école de langue anglaise en 2021 ou en avaient déjà fréquenté une auparavant.
• Près du quart des enfants admissibles qui n’avaient jamais fréquenté une école de langue anglaise en 2021 vivaient dans les régions de Lanaudière, des Laurentides ou de l’Outaouais.
• Dans certaines municipalités, tous les enfants admissibles ont fréquenté une école de langue anglaise.

Nous sommes l’organisme national de statistique du Canada. Nous sommes ici pour discuter avec les Canadiens et les Canadiennes et leur fournir des renseignements statistiques de grande qualité qui comptent! Le fait de publier dans un sous-reddit ne signifie pas que nous approuvons le contenu affiché par d’autres utilisateurs de Reddit.

As the title says, I am looking for a new laptop. My previous laptop, a Lenovo IdeaPad l340, recently stopped charging and the costs to fix the charging port are so high that I have decided to buy a new laptop rather than pay more to fix one that is four years old.
I loved that previous laptop, and am hoping to find something relatively similar, however as a student I am working on a pretty tight budget, and hoping not to spend more than $700 USD/Euros on a new one.
Importantly, I am also kind of limited in what I can buy. I am a Canadian studying in Germany, therefore I am looking for a laptop with an English keyboard and working within a time constraint in regards to how quickly I need my new laptop delivered, making it difficult to order anything overseas.
Having spent the past few days researching, I have somewhat narrowed my choices down. Currently I am mainly considering these options from a Dutch (laptops.nl) website that sells laptops with QWERTY keyboards:
Acer Aspire 5 A515-47-R87W
Lenovo IdeaPad Slim 5 - 82XE005DMH
HP Victus Gaming 15-fa0515nd
At this point I am leaning towards the Lenovo just because of my familiarity with the brand (though the lack of a number pad is a small issue), however I am relatively comfortable with all three options. I am looking for something that will be able to comfortably handle statistical analysis software with large datasets with relative ease, photo editing software from Affinity, as well as some limited video editing capabilities. Battery life is not such a huge concern, and although I will use the laptop to watch movies and TV, these capabilities are not so important to me.
If you have any thoughts/opinions on these products, or alternative recommendations, your input would be greatly appreciated, and help put my purchase anxiety at ease.
TLDR;
Canadian Student in Germany looking for a new laptop on a limited budget. Choices have been narrowed down, however looking for input from more knowledgeable individuals at laptops before final purchase.
View Poll

abandon, ability, able, about, above, absence, absolute, absolutely, abstract, abundance, academy, accent, accept, access, accident, accompany, accomplish, according, account, accurate, achieve, achievement, acid, acknowledge, acquire, across, action, active, activity, actor, actual, actually, adapt, addition, additional, address, adequate, adjust, administration, admire, admission, admit, adolescent, adopt, adult, advance, advantage, adventure, advertise, advice, advise, adviser, advocate, affair, affect, afford, afraid, after, afternoon, again, against, age, agency, agenda, agent, aggressive, ago, agree, agreement, agriculture, ahead, aid, aim, air, aircraft, airline, airport, alarm, album, alcohol, alive, all, alliance, allow, ally, almost, alone, along, already, also, alter, alternative, although, always, amateur, amazing, ambition, ambulance, among, amount, analysis, analyst, analyze, ancient, and, anger, angle, angry, animal, anniversary, announce, annual, another, answer, anticipate, anxiety, any, anybody, anymore, anyone, anything, anyway, anywhere, apart, apartment, apologize, apparent, apparently, appeal, appear, appearance, apple, application, apply, appoint, appointment, appreciate, approach, appropriate, approval, approve, approximately, architect, area, argue, argument, arise, arm, armed, army, around, arrange, arrangement, arrest, arrival, arrive, art, article, artist, artistic, as, ashamed, aside, ask, asleep, aspect, assault, assert, assess, assessment, asset, assign, assignment, assist, assistance, assistant, associate, association, assume, assumption, assure, at, athlete, athletic, atmosphere, attach, attack, attempt, attend, attention, attitude, attorney, attract, attraction, attractive, attribute, audience, author, authority, auto, available, average, avoid, award, aware, awareness, away, awful, baby, back, background, bad, badly, bag, balance, ball, ban, band, bank, bar, barely, barrel, barrier, base, baseball, basic, basically, basis, basket, basketball, bath, bathroom, battery, battle, be, beach, bear, beat, beautiful, beauty, because, become, bed, bedroom, bee, beef, beer, before, begin, beginning, behavior, behind, being, belief, believe, bell, belong, below, belt, bench, bend, beneath, benefit, beside, besides, best, bet, better, between, beyond, bicycle, big, bike, bill, billion, bind, biological, bird, birth, birthday, bit, bite, black, blade, blame, blanket, blind, block, blood, blow, blue, board, boat, body, bomb, bombing, bond, bone, book, boom, boot, border, boring, born, borrow, boss, both, bother, bottle, bottom, boundary, bowl, box, boy, boyfriend, brain, branch, brand, brave, bread, break, breakfast, breast, breath, breathe, brick, bridge, brief, briefly, bright, brilliant, bring, broad, broken, brother, brown, brush, buck, budget, build, building, bullet, bunch, burden, burn, bury, bus, business, busy, but, butter, button, buy, buyer, by, cabin, cabinet, cable, cake, calculate, call, camera, camp, campaign, campus, can, Canadian, cancer, candidate, cap, capability, capable, capacity, capital, captain, capture, car, carbon, card, care, career, careful, carefully, carrier, carry, case, cash, cast, cat, catch, category, Catholic, cause, ceiling, celebrate, celebration, celebrity, cell, center, central, century, CEO, ceremony, certain, certainly, chain, chair, chairman, challenge, chamber, champion, championship, chance, change, changing, channel, chapter, character, characteristic, characterize, charge, charity, chart, chase, cheap, check, cheek, cheese, chef, chemical, chest, chicken, chief, child, childhood, Chinese, chip, chocolate, choice, cholesterol, choose, Christian, Christmas, church, cigarette, circle, circumstance, cite, citizen, city, civil, civilian, claim, class, classic, classroom, clean, clear, clearly, client, climate, climb, clinic, clinical, clock, close, closely, closer, clothes, clothing, cloud, club, clue, cluster, coach, coal, coalition, coast, coat, code, coffee, cognitive, cold, collapse, colleague, collect, collection, collective, college, colonial, color, column, combination, combine, come, comedy, comfort, comfortable, command, commander, comment, commercial, commission, commit, commitment, committee, common, communicate, communication, community, company, compare, comparison, compete, competition, competitive, competitor, complain, complaint, complete, completely, complex, complexity, compliance, complicate, complicated, component, compose, composition, comprehensive, computer, concentrate, concentration, concept, concern, concerned, concert, conclude, conclusion, concrete, condition, conduct, conference, confidence, confident, confirm, conflict, confront, confusion, Congress, congressional, connect, connection, consciousness, consensus, consequence, conservative, consider, considerable, consideration, consist, consistent, constant, constantly, constitute, constitutional, construct, construction, consultant, consume, consumer, consumption, contact, contain, container, contemporary, content, contest, context, continue, continued, contract, contrast, contribute, contribution, control, controversial, controversy, convention, conventional, conversation, convert, conviction, convince, cook, cookie, cooking, cool, cooperation, cop, cope, copy, core, corn, corner, corporate, corporation, correct, correspondent, cost, cotton, couch, could, council, count, counter, country, county, couple, courage, course, court, cousin, cover, coverage, cow, crack, craft, crash, crazy, cream, create, creation, creative, creature, credit, crew, crime, criminal, crisis, criteria, critic, critical, criticism, criticize, crop, cross, crowd, crucial, cry, cultural, culture, cup, curious, current, currently, curriculum, custom, customer, cut, cycle, dad, daily, damage, dance, danger, dangerous, dare, dark, darkness, data, database, date, daughter, day, dead, deal, dealer, dear, death, debate, debt, decade, decide, decision, deck, declare, decline, decrease, deep, deeply, deer, defeat, defend, defendant, defense, defensive, deficit, define, definitely, definition, degree, delay, deliver, delivery, demand, democracy, Democratic, Democrat, demonstrate, demonstration, deny, department, depend, dependent, depending, depict, depression, depth, deputy, derive, describe, description, desert, deserve, design, designer, desire, desk, desperate, despite, destroy, destruction, detail, detailed, detect, detection, detective, determine, develop, developing, development, device, devil, dialogue, diet, differ, difference, different, differently, difficult, difficulty, dig, digital, dimension, dining, dinner, direct, direction, directly, director, dirt, disability, disagree, disappear, disaster, discipline, disclose, discover, discovery, discrimination, discuss, discussion, disease, dish, dismiss, disorder, display, dispute, distance, distinct, distinction, distinguish, distribute, distribution, district, diverse, diversity, divide, division, divorce, DNA, do, doctor, document, dog, domestic, dominant, dominate, door, double, doubt, down, downtown, dozen, draft, drag, drama, dramatic, dramatically, draw, drawer, drawing, dream, dress, drink, drive, driver, drop, drug, dry, due, during, dust, duty, dwell, dying, dynamic, each, eager, ear, earlier, early, earn, earnings, earth, earthquake, ease, easily, east, eastern, easy, eat, economic, economy, edge, edit, edition, editor, educate, education, educational, educator, effect, effective, effectively, efficiency, efficient, effort, egg, eight, either, elderly, elect, election, electric, electrical, electricity, electronic, element, elementary, eliminate, elite, else, elsewhere, e-mail, embrace, emerge, emergency, emission, emotion, emotional, emphasis, emphasize, employ, employee, employer, employment, empty, enable, encounter, encourage, end, enemy, energy, enforcement, engage, engine, engineer, engineering, English, enhance, enjoy, enormous, enough, ensure, enter, enterprise, entertain, entertainment, entire, entirely, entrance, entry, environment, environmental, episode, equal, equally, equipment, equivalent, era, error, escape, especially, essay, essential, essentially, establish, establishment, estate, estimate, etc, ethics, ethnic, European, evaluate, evaluation, evening, event, eventually, ever, every, everybody, everyday, everyone, everything, everywhere, evidence, evolution, evolve, exact, exactly, exam, examination, examine, example, exceed, excellent, except, exception, exchange, exciting, executive, exercise, exhibit, exhibition, exist, existence, existing, expand, expansion, expect, expectation, expense, expensive, experience, experiment, expert, explain, explanation, explode, explore, explosion, expose, exposure, express, expression, extend, extension, extensive, extent, external, extra, extraordinary, extreme, extremely, eye, fabric, face, facility, fact, factor, factory, faculty, fade, fail, failure, fair, fairly, faith, fall, false, familiar, family, famous, fan, fantasy, far, farm, farmer, fashion, fast, fat, fate, father, fault, favor, favorite, fear, feature, federal, fee, feed, feel, feeling, fellow, female, fence, festival, few, fewer, fiber, fiction, field, fifteen, fifth, fifty, fight, fighter, fighting, figure, file, fill, film, final, finally, finance, financial, find, finding, fine, finger, finish, fire, firm, first, fish, fishing, fit, fitness, five, fix, flag, flame, flat, flavor, flee, flesh, flight, float, floor, flow, flower, fly, focus, folk, follow, following, food, foot, football, for, force, foreign, forest, forever, forget, form, formal, formation, former, formula, forth, fortune, forward, found, foundation, founder, four, fourth, frame, framework, free, freedom, freeze, French, frequency, frequent, frequently, fresh, friend, friendly, friendship, from, front, fruit, frustration, fuel, fulfill, full, fully, fun, function, fund, fundamental, funding, funeral, funny, furniture, furthermore, future, gain, galaxy, gallery, game, gang, gap, garage, garden, garlic, gas, gate, gather, gay, gaze, gear, gender, gene, general, generally, generate, generation, genetic, gentleman, gently, German, gesture, get, ghost, giant, gift, gifted, girl, girlfriend, give, given, glad, glance, glass, global, glove, go, goal, God, gold, golden, golf, good, govern, government, governor, grab, grace, grade, gradually, graduate, grain, grand, grandmother, grant, grass, grave, gray, great, green, grocery, ground, group, grow, growing, growth, guarantee, guard, guess, guest, guide, guideline, guilty, gun, guy, habit, habitat, hair, half, hall, hand, handful, handle, hang, happen, happy, harbor, hard, hardly, hat, hate, have, he, head, headline, headquarters, health, healthy, hear, hearing, heart, heat, heaven, heavily, heavy, heel, height, helicopter, hell, hello, help, helpful, hence, her, herb, here, heritage, hero, herself, hey, hi, hide, high, highlight, highly, highway, hill, him, himself, hip, hire, his, historic, historical, history, hit, hold, hole, holiday, holy, home, homeless, honest, honey, honor, hope, horizon, horror, horse, hospital, host, hot, hotel, hour, house, household, housing, how, however, huge, human, humor, hundred, hungry, hunter, hunting, hurt, husband, hypothesis, ice, idea, ideal, identification, identify, identity, ignore, ill, illegal, illness, illustrate, image, imagination, imagine, immediate, immediately, immigrant, immigration, impact, implement, implication, imply, importance, important, impose, impossible, impress, impression, impressive, improve, improvement, incentive, incident, include, including, income, incorporate, increase, increased, increasingly, incredible, indeed, independence, independent, index, indicate, indication, individual, industrial, industry, infant, infection, inflation, influence, inform, information, ingredient, initial, initially, initiative, injury, inner, innocent, inquiry, inside, insight, insist, inspire, install, instance, instead, institute, institution, institutional, instruction, instructor, instrument, insurance, intellectual, intelligence, intend, intense, intensity, intention, interaction, interest, interested, interesting, internal, international, Internet, interpret, interpretation, intervention, interview, introduce, introduction, invasion, invest, investigation, investigator, investment, investor, invite, involve, involved, involvement, Iraqi, Irish, iron, Islamic, island, Israeli, issue, it, Italian, item, its, itself, jacket, jail, Japanese, jet, Jew, Jewish, job, join, joint, joke, journal, journalist, journey, joy, judge, judgment, juice, jump, junior, jury, just, justice, justify, keep, key, kick, kid, kill, killer, killing, kind, king, kiss, kitchen, knee, knife, knock, know, knowledge, lab, label, labor, laboratory, lack, lady, lake, land, landscape, language, lap, large, largely, last, late, later, Latin, latter, laugh, launch, law, lawsuit, lawyer, lay, layer, lead, leader, leadership, leading, leaf, league, lean, learn, learning, least, leather, leave, left, leg, legacy, legal, legend, legislation, legislative, legislator, legitimate, lemon, length, less, lesson, let, letter, level, liberal, library, license, lie, life, lifestyle, lifetime, lift, light, like, likely, limit, limitation, limited, line, link, lip, list, listen, literary, literature, little, live, living, load, loan, local, locate, location, lock, long, long-term, look, loose, lose, loss, lost, lot, lots, loud, love, lovely, lover, low, lower, luck, lucky, lunch, luxury, machine, mad, magazine, mail, main, mainly, maintain, maintenance, major, majority, make, maker, makeup, male, mall, man, manage, management, manager, manner, manufacturer, manufacturing, many, map, margin, mark, market, marketing, marriage, married, marry, mask, mass, massive, master, match, material, math, matter, may, maybe, mayor, me, meal, mean, meaning, meanwhile, measure, measurement, meat, mechanism, media, medical, medication, medicine, medium, meet, meeting, member, membership, memory, mental, mention, menu, mere, merely, mess, message, metal, meter, method, Mexican, middle, might, military, milk, million, mind, mine, minister, minor, minority, minute, miracle, mirror, miss, missile, mission, mistake, mix, mixture, mm-hmm, mode, model, moderate, modern, modest, mom, moment, money, monitor, month, mood, moon, moral, more, moreover, morning, mortgage, most, mostly, mother, motion, motivation, motor, mountain, mouse, mouth, move, movement, movie, Mr, Mrs, Ms, much, multiple, murder, muscle, museum, music, musical, musician, Muslim, must, mutual, my, myself, mystery, myth, naked, name, narrative, narrow, nation, national, native, natural, naturally, nature, near, nearby, nearly, necessarily, necessary, neck, need, negative, negotiate, negotiation, neighbor, neighborhood, neither, nerve, nervous, net, network, never, nevertheless, new, newly, news, newspaper, next, nice, night, nine, no, nobody, nod, noise, nomination, nominee, none, nonetheless, nor, normal, normally, north, northern, nose, not, note, nothing, notice, notion, novel, now, nowhere, nuclear, number, numerous, nurse, nut, object, objective, obligation, observation, observe, observer, obtain, obvious, obviously, occasion, occasionally, occupation, occupy, occur, ocean, odd, odds, of, off, offense, offensive, offer, office, officer, official, often, oh, oil, okay, old, Olympic, on, once, one, ongoing, onion, online, only, onto, open, opening, operate, operating, operation, operator, opinion, opponent, opportunity, oppose, opposed, opposite, opposition, option, or, orange, order, ordinary, organic, organization, organize, orientation, origin, original, originally, other, others, otherwise, ought, our, ours, ourselves, out, outcome, outside, oven, over, overall, overcome, overlook, owe, own, owner, pace, pack, package, page, pain, painful, paint, painter, painting, pair, pale, Palestinian, palm, pan, panel, panic, pant, paper, paragraph, parent, park, parking, part, participant, participate, participation, particle, particular, particularly, partly, partner, partnership, party, pass, passage, passenger, passion, past, patch, path, patient, pattern, pause, pay, payment, PC, peace, peak, peer, pen, penalty, people, pepper, per, perceive, percentage, perception, perfect, perfectly, perform, performance, perhaps, period, permanent, permission, permit, person, personal, personality, personally, personnel, perspective, persuade, pet, phase, phenomenon, philosophy, phone, photo, photographer, phrase, physical, physically, physician, piano, pick, picture, pie, piece, pile, pilot, pine, pink, pipe, pitch, place, plan, plane, planet, planning, plant, plastic, plate, platform, play, player, please, pleasure, plenty, plot, plus, PM, pocket, poem, poet, poetry, point, police, policy, political, politically, politician, politics, poll, pollution, pool, poor, pop, popular, population, porch, port, portion, portrait, portray, pose, position, positive, possess, possession, possibility, possible, possibly, post, pot, potato, potential, potentially, pound, pour, poverty, powder, power, powerful, practical, practice, prayer, preach, precisely, predict, prediction, prefer, preference, pregnancy, pregnant, preparation, prepare, prescription, presence, present, presentation, preserve, president, presidential, press, pressure, pretend, pretty, prevent, previous, previously, price, pride, priest, primarily, primary, prime, principal, principle, print, prior, priority, prison, prisoner, privacy, private, probably, problem, procedure, proceed, process, processing, processor, proclaim, produce, producer, product, production, profession, professional, professor, profile, profit, program, progress, progressive, project, prominent, promise, promote, prompt, proof, proper, properly, property, proportion, proposal, propose, prosecutor, prospect, protect, protection, protein, protest, proud, prove, provide, provider, province, provision, psychological, psychology, public, publication, publicity, publish, publisher, pull, punishment, purchase, pure, purpose, pursue, push, put, qualify, quality, quarter, quarterback, quarterly, queen, quest, question, quick, quickly, quiet, quietly, quit, quite, quote, race, racial, radiation, radical, radio, rail, rain, raise, range, rank, rapid, rapidly, rare, rarely, rate, rather, rating, ratio, raw, reach, react, reaction, reader, reading, ready, real, reality, realize, really, reason, reasonable, recall, receive, recent, recently, reception, recipe, recipient, recognition, recognize, recommend, recommendation, record, recording, recover, recovery, recruit, red, reduce, reduction, refer, reference, reflect, reflection, reform, refugee, refuse, regard, regarding, regardless, regime, region, regional, register, regular, regularly, regulate, regulation, regulator, reinforce, reject, relate, relation, relationship, relative, relatively, relax, release, relevant, relief, religion, religious, rely, remain, remaining, remarkable, remember, remind, remote, remove, repeat, repeatedly, replace, replacement, reply, report, reporter, represent, representation, representative, Republican, reputation, request, require, requirement, research, researcher, resemble, reservation, resident, residential, resign, resist, resistance, resolution, resolve, resort, resource, respect, respond, response, responsibility, responsible, rest, restaurant, restore, restriction, result, retain, retire, retirement, return, reveal, revenue, review, revolution, rhythm, rice, rich, rid, ride, rifle, right, ring, rise, risk, river, road, rock, role, roll, romantic, roof, room, root, rope, rose, rough, roughly, round, route, routine, row, rub, rubber, rude, ruin, rule, run, running, rural, rush, Russian, sacred, sad, safe, safety, sake, salad, salary, sale, sales, salt, same, sample, sanction, sand, satellite, satisfaction, satisfied, satisfy, sauce, save, saving, say, scale, scandal, scare, scatter, scenario, scene, schedule, scheme, scholar, scholarship, school, science, scientific, scientist, scope, score, scream, screen, script, sea, search, season, seat, second, secondary, secret, secretary, section, sector, secure, security, see, seed, seek, seem, segment, seize, select, selection, self, sell, Senate, senator, send, senior, sense, sensitive, sentence, separate, sequence, series, serious, seriously, servant, serve, service, session, set, setting, settle, settlement, seven, several, severe, sex, sexual, shade, shadow, shake, shall, shallow, shape, share, sharp, she, sheet, shelf, shell, shelter, shift, shine, ship, shirt, shock, shoe, shoot, shooting, shop, shopping, short, shortly, shot, should, shoulder, shout, show, shower, shrug, shut, shy, sibling, sick, side, sigh, sight, sign, signal, significant, significantly, silence, silent, silver, similar, similarly, simple, simply, sin, since, sing, singer, single, sink, sir, sister, sit, site, situation, six, size, ski, skill, skin, skirt, sky, slave, sleep, slice, slide, slight, slightly, slip, slow, slowly, small, smart, smell, smile, smoke, smooth, snap, snow, so, so-called, soccer, social, society, soft, software, soil, solar, soldier, sole, solid, solution, solve, some, somebody, somehow, someone, something, sometimes, somewhat, somewhere, son, song, soon, sophisticated, sorry, sort, soul, sound, soup, source, south, southern, Soviet, space, Spanish, speak, speaker, special, specialist, species, specific, specifically, specify, speech, speed, spend, spending, spin, spirit, spiritual, split, spoil, sponsor, sport, spot, spray, spread, spring, square, squeeze, stability, stable, staff, stage, stain, stair, stake, stand, standard, standing, star, stare, start, state, statement, station, statistical, status, stay, steady, steal, steel, steep, stem, step, stick, still, stimulate, stimulus, stir, stock, stomach, stone, stop, storage, store, storm, story, straight, strange, stranger, strategic, strategy, stream, street, strength, strengthen, stress, stretch, strike, string, strip, stroke, strong, strongly, structural, structure, struggle, student, studio, study, stuff, stupid, style, subject, submit, subsequent, substance, substantial, substitute, succeed, success, successful, successfully, such, sudden, suddenly, sue, suffer, sufficient, sugar, suggest, suggestion, suicide, suit, summer, summit, sun, super, supply, support, supporter, suppose, supposed, Supreme, sure, surely, surface, surgery, surprise, surprised, surprising, surprisingly, surround, survey, survival, survive, survivor, suspect, sustain, swear, sweep, sweet, swim, swing, switch, symbol, symptom, system, table, tactic, tail, take, tale, talent, talk, tall, tank, tap, tape, target, task, taste, tax, taxi, tea, teach, teacher, teaching, team, tear, technical, technique, technology, teen, teenager, telephone, telescope, television, tell, temperature, temporary, ten, tend, tendency, tennis, tension, tent, term, terms, terrible, territory, terror, terrorist, test, testimony, testing, text, than, thank, thanks, that, the, theater, their, them, theme, themselves, then, theory, therapy, there, therefore, these, they, thick, thin, thing, think, thinking, third, thirty, this, those, though, thought, thousand, threat, threaten, three, throat, through, throughout, throw, thus, ticket, tie, tight, time, tiny, tip, tire, tissue, title, to, tobacco, today, toe, together, toilet, token, tolerate, tomato, tomorrow, tone, tongue, tonight, too, tool, tooth, top, topic, toss, total, totally, touch, tough, tour, tourist, tournament, toward, towards, tower, town, toy, trace, track, trade, tradition, traditional, traffic, tragedy, trail, train, training, transfer, transform, transformation, transition, translate, translation, transmission, transmit, transport, transportation, travel, treat, treatment, treaty, tree, tremendous, trend, trial, tribe, trick, trip, troop, trouble, truck, true, truly, trust, truth, try, tube, tunnel, turn, TV, twelve, twenty, twice, twin, two, type, typical, typically, ugly, ultimate, ultimately, unable, uncle, undergo, understand, understanding, unfortunately, uniform, union, unique, unit, United, universal, universe, university, unknown, unless, unlike, until, unusual, up, upon, upper, urban, urge, us, use, used, useful, user, usual, usually, utility, utilize, vacation, valley, valuable, value, variable, variation, variety, various, vary, vast, vegetable, vehicle, venture, version, versus, very, vessel, veteran, via, victim, victory, video, view, viewer, village, violate, violation, violence, violent, virtually, virtue, virus, visibility, visible, vision, visit, visitor, visual, vital, voice, volume, voluntary, volunteer, vote, voter, voting, wage, wait, wake, walk, wall, wander, want, war, warm, warn, warning, wash, waste, watch, water, wave, way, we, weak, weakness, wealth, wealthy, weapon, wear, weather, web, website, wedding, week, weekend, weekly, weigh, weight, welcome, welfare, well, west, western, wet, what, whatever, wheel, when, whenever, where, whereas, whether, which, while, whisper, white, who, whole, whom, whose, why, wide, widely, widespread, wife, wild, wildlife, will, willing, win, wind, window, wine, wing, winner, winter, wipe, wire, wisdom, wise, wish, with, withdraw, within, without, witness, woman, wonder, wonderful, wood, wooden, word, work, worker, working, workout, workplace, works, workshop, world, worried, worry, worth, would, wound, wrap, write, writer, writing, wrong, yard, yeah, year, yell, yellow, yes, yesterday, yet, yield, you, young, your, yours, yourself, youth, zone.

The Canadian economy is outperforming expectations. In the face of higher interest rates, Canada has avoided the recession that some had predicted. Inflation has fallen from its June 2022 peak of 8.1 per cent to 2.9 per cent in January and to 2.8 per cent in February 2024. The labour market remains solid. Over 1.1 million more Canadians are employed today than before the pandemic, marking the fastest jobs recovery in the G7 (Chart 1). Real wages (wages adjusted for inflation) have gone up, meaning Canadians, on average, have more purchasing power. And, our economy is growing, with data from Statistics Canada revealing that real GDP at basic prices grew 0.6 per cent in January (7.4 per cent annualized), and preliminary estimates pointing to 0.4 per cent growth in February (4.9 per cent annualized), suggesting that growth in the first quarter of 2024 is on track for around 3.5 per cent.
Private sector forecasters expect that the year ahead should bring further progress. By the end of the year, they expect economic growth will pick up, interest rates will be lower, and inflation will decline to about 2 per cent. Both the International Monetary Fund (IMF) and the Organisation for Economic Co-operation and Development (OECD) project that Canada will see the strongest economic growth in the G7 in 2025.
https://budget.canada.ca/2024/report-rapport/overview-apercu-en.html

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ACADEMIC TASKS MY TEAM AND I CAN COMPLETE:

• Entire Degree Programs
• Full Online Classes (1 - 20+ Weeks Long)
• Proctored Exams Quizzes Tests
• Homework Assignments
• Research Papers Term Papers Essays
• Projects & Labs
• Discussion Posts
• Annotated Bibliographies
• Employment Assessments
• Certification Programs

MY TEAM'S CLASSES OF EXPERTISE:

• Statistics: AP Statistics Biostatistics Business Statistics Elementary Statistics Intro to Statistics Psychology Statistics Social Science Statistics Statistics & Probability Statistical Methods Statistical & Probability Models
• Math: Advanced Functions Algebra Calculus 1, 2, 3 (and 4 in some schools) Vector Calculus Differential Calculus Integral Calculus Multivariable Calculus Differential Equations Discrete Math Discrete Structures Finite Mathematics Functions Geometry Linear Algebra Precalculus Probability Real Analysis Statistics Trigonometry Quantitative Methods & Reasoning
• Science: Anatomy & Physiology Astronomy Biochemistry Biology Chemistry (General, Inorganic & Organic) Dental / Pre-Dental Earth Science Engineering (Almost All Types) Environmental Science Epidemiology Fluid & Mechanics Geology Geophysics Medicine / Pre-Med Microbiology Neuroscience Physics Physical Science
• Business: Accounting Auditing Banking Business Administration Business Law Corporate Finance Cost Accounting Econometrics Economics Finance Financial Institutions Financial Reporting Global Economics Governance International Economics Macroeconomics Management Marketing MBA Courses Mergers and Acquisitions Microeconomics Operations Management Principles of Accounting Real Estate Taxation
• English: Business Writing Creative Writing Critical Reading Digital Media Eastern Literature English Literature Essays Expository & Persuasive Writing Fiction Writing Greek and Roman Philosophy Grammar Poetry
• Humanities & Social Sciences: Architecture Anthropology Art History Communication Criminal Justice Forestry Ethnic Studies Film History Law Pre-Law Music Philosophy Political Science Psychology Psychiatry Religious Studies Sociology Theology Women Studies
• Computer Science & Programming: Android AWS Azure Blockchain Cryptocurrency Smart Contracts C C# C++ Cloud Computer Organization and Assembly Languages CSS Data Science Data Structures and Algorithms Deep Learning Design Patterns Game Design and Development iOS Java Javascript Machine Learning MATLAB MySQL Networking NoSQL Object Oriented Programming Operating Systems PHP Principles of Computer Science Programming for Virtual Reality Programming Languages Python R Robotics Ruby Software Engineering SQL Swift Web Development

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom

TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:

1. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
2. Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
3. 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
4. Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original New Jersey IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
5. Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor using 3 highly effective proven methods. Option 1 - WhatsApp: I use WhatsApp to have the student discreetly text me photos of the exam questions outside of the webcam’s view and I text them the correct solutions to the exam questions. Option 2 - Screen Share: Using screen share software like Zoom to see the student’s screen displaying the exam questions and I text the correct solutions. Option 3 - Remote PC Access & Control: Using remote computer access software like to control the student’s mouse and keyboard from my own computer.
6. Study Help Apps: I have over 15+ paid subscriptions to a wide range of study help apps, software, websites, and programs to help me solve exam & homework questions faster and more efficiently. Some of these resources include: Brainly, Chegg, CourseHero, Quizlet, SymboLab & WolframAlpha.
7. Calculators & Math Software: I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
8. Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
9. Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats.
10. Live Exam Help Videos: I am the only verified U.S.-based online exam hw online class help tutor with a highly successful YouTube Channel where I regularly upload live unedited videos of me actually completing exams, quizzes & homework assignments for other students and clearly explain my entire thought process and display on-screen all the steps, apps, websites, and software I use to compute the correct answers.
11. Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
12. Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.

HOW I CALCULATE FINAL RATES:

• Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
• Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
• Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ABOUT MY RATES & PAYMENT OPTIONS:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, native born U.S. resident status, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Completing someone else's exam, essay, or homework assignment is obviously NOT something you can just freely ask anyone to do, especially on the internet. Therefore, such help should be well-compensated. Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide. However, I may be willing to negotiate rates if necessary.
• Payment Methods: I accept PayPal (required for all Canadian students), Venmo, Zelle, Cash App, and anonymous credit & debit card payments via online invoice.
• Payment Plans: I offer the following payment plans for my services: weekly (most expensive), monthly, half-now / half-later, and all upfront (least expensive).
• Money Back Guarantee: I guarantee the following grades for coursework completed: A+. A, A-, B+, B. and B-. However, I offer a 50% refund for C+, C, and C- grades, and a full 100% refund for D+, D, D-, and F grades.

CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:

• Full Class Help Rates: $595 – $2495 USD
• Exam & Test Help Rates: $150 – $350 USD
• Quiz Help Rates: $60 – $180 USD
• HW Assignment Help Rates: $60 – $420 USD
• Essay & Paper Writing Help Rates: $19 – $29 USD per 300 words

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, and accent. I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• Not Worth the Money: I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• Most Students are Broke: I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes.
• Waste of Time & Energy: Communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine.
• All My Payment Apps are Still Active: If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now.
• My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
• Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text, email, and call almost 24/7/365.

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
TAGS:
^{Accounting Exam Help Reddit, Best Online Test Takers Reddit, Best Ways to Cheat on a Test Reddit, Best Website to Pay for Homework Reddit, Bypass Respondus Lockdown Browser Reddit, Calculus Test Taker Reddit, Canvas Cheating Reddit, Cheating in Online Exam Reddit, Cheating on Pearson Mymathlab Reddit, Cheating on Proctortrack Reddit, Cheating on Zoom Proctored Exams Reddit, Cheating on a Test Reddit, College Algebra Mymathlab Reddit, Do Homework for Money Reddit, Do My Assignment Reddit, Do My Exam for Me Reddit, Do My Homework for Me Reddit, Do My Math Homework Reddit, Do My Math Homework for Me Reddit, Do My Test for Me Reddit, Doing Homework Reddit, Domyhomework Reddit, Exam Cheating Reddit, Exam Help Online Reddit, Examity Reddit, Finance Homework Help Reddit, Fiverr Exam Cheating Reddit, Gradeseekers Reddit, Hire Someone to Take My Online Exam Reddit, Hire Test Taker Reddit, Homework Help Reddit, Homework Sites Reddit, Homeworkdoer .org Reddit, Homeworkhelp Reddit, Honorlock Reddit, How Much Should I Pay Someone to Take My Exam Reddit, How to Beat Honorlock Reddit, How to Beat Lockdown Browser Reddit, How to Cheat Examity Reddit 2022, How to Cheat Honorlock Reddit, How to Cheat and Not Get Caught Reddit, How to Cheat in School Reddit, How to Cheat on Canvas Tests Reddit, How to Cheat on Examity Reddit, How to Cheat on Honorlock Reddit, How to Cheat on Math Test Reddit, How to Cheat on Mymathlab Reddit, How to Cheat on Online Exams Reddit, How to Cheat on Online Proctored Exams Reddit, How to Cheat on Zoom Exam Reddit, How to Cheat on Zoom Exams Reddit, How to Cheat on a Proctored Exam Reddit, How to Cheat with Proctorio 2020 Reddit, How to Cheat with Proctorio Reddit, How to Cheat with Respondus Monitor Reddit, How to Get Past Lockdown Browser Reddit, Hwforcash Discord, I Paid Someone to Write My Essay Reddit, Is Hwforcash Legit, Lockdown Browser Hack Reddit, Lockdown Browser How to Cheat Reddit, Math Homework Reddit, Monitoredu Reddit, Mymathlab Answer Key Reddit, Mymathlab Answers Reddit, Mymathlab Cheat Reddit, Mymathlab Proctored Test Reddit, Online Exam Help Reddit, Online Exam Proctor Reddit, Online Proctored Exam Reddit, Organic Chemistry Exam Help Reddit, Organic Chemistry Test Taker Reddit, Paper Writers Reddit, Pay Me to Do Your Homework Reddit, Pay Me to Do Your Homework Reviews Reddit, Pay Someone to Do Homework Reddit, Pay Someone to Do My Assignment Reddit, Pay Someone to Do My College Homework Reddit, Pay Someone to Do My Homework Reddit, Pay Someone to Do My Math Homework Reddit, Pay Someone to Do My Online Class Reddit, Pay Someone to Do My Online Math Class Reddit, Pay Someone to Do My Programming Homework Reddit, Pay Someone to Do Statistics Homework Reddit, Pay Someone to Take Exam Reddit, Pay Someone to Take Exam for Me Reddit, Pay Someone to Take My Calculus Exam Reddit, Pay Someone to Take My Chemistry Exam Reddit, Pay Someone to Take My Exam Reddit, Pay Someone to Take My Online Class Reddit, Pay Someone to Take My Online Exam Reddit, Pay Someone to Take My Proctored Exam Reddit, Pay Someone to Take My Test in Person Reddit, Pay Someone to Take Online Class for Me Reddit, Pay Someone to Take Online Test Reddit, Pay Someone to Take Your Online Class Reddit, Pay Someone to Write My Paper Reddit, Pay for Homework Reddit, Pay to Do Homework Reddit, Paying Someone to Do Your Homework Reddit, Paying Someone to Take My Online Class Reddit, Paying Someone to Take Online Class Reddit, Paysomeonetodo Reddit, Physics Test Taker Reddit, Proctored Exam Reddit, Reddit Do My Homework for Me, Reddit Domyhomework, Reddit Homework Cheat, Reddit Homework Help, Reddit Homework for Money, Reddit Honorlock Cheating, Reddit Mymathlab Hack, Reddit Mymathlab Homework Answers, Reddit Paid Homework, Reddit Pay Someone to Do Your Homework, Reddit Pay Someone to Take Online Test, Reddit Pay for Homework, Reddit Pay to Do Homework, Reddit Test Takers for Hire, Reddit Tutors, Should I Pay Someone to Take My Exam Reddit, Statistics Test Taker Reddit, Take My Calculus Exam Reddit, Take My Class Pro Reddit, Take My Class Pro Reviews Reddit, Take My Exam for Me Reddit, Take My Math Test for Me Reddit, Take My Online Class Reddit, Take My Online Class for Me Reddit, Take My Online Exam for Me Reddit, Take My Online Exams Reddit, Take My Online Exams Review Reddit, Take My Online Exams Reviews Reddit, Take My Online Test Reddit, Take My Online Test for Me Reddit, Take My Physics Exam for Me Reddit, Take My Proctored Exam for Me Reddit, Take My Statistics Exam for Me Reddit, Take My Test for Me Reddit, Takemyonlineexams Reddit, Test Taker Reddit, We Take Classes Reddit, Write My Exam for Me Reddit}

Contact Hiraedu for any type of Academic Help:
Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
ACADEMIC TASKS MY TEAM AND I CAN COMPLETE:

• Entire Degree Programs
• Full Online Classes (1 - 20+ Weeks Long)
• Proctored Exams Quizzes Tests
• Homework Assignments
• Research Papers Term Papers Essays
• Projects & Labs
• Discussion Posts
• Annotated Bibliographies
• Employment Assessments
• Certification Programs

MY TEAM'S CLASSES OF EXPERTISE:

• Statistics: AP Statistics Biostatistics Business Statistics Elementary Statistics Intro to Statistics Psychology Statistics Social Science Statistics Statistics & Probability Statistical Methods Statistical & Probability Models
• Math: Advanced Functions Algebra Calculus 1, 2, 3 (and 4 in some schools) Vector Calculus Differential Calculus Integral Calculus Multivariable Calculus Differential Equations Discrete Math Discrete Structures Finite Mathematics Functions Geometry Linear Algebra Precalculus Probability Real Analysis Statistics Trigonometry Quantitative Methods & Reasoning
• Science: Anatomy & Physiology Astronomy Biochemistry Biology Chemistry (General, Inorganic & Organic) Dental / Pre-Dental Earth Science Engineering (Almost All Types) Environmental Science Epidemiology Fluid & Mechanics Geology Geophysics Medicine / Pre-Med Microbiology Neuroscience Physics Physical Science
• Business: Accounting Auditing Banking Business Administration Business Law Corporate Finance Cost Accounting Econometrics Economics Finance Financial Institutions Financial Reporting Global Economics Governance International Economics Macroeconomics Management Marketing MBA Courses Mergers and Acquisitions Microeconomics Operations Management Principles of Accounting Real Estate Taxation
• English: Business Writing Creative Writing Critical Reading Digital Media Eastern Literature English Literature Essays Expository & Persuasive Writing Fiction Writing Greek and Roman Philosophy Grammar Poetry
• Humanities & Social Sciences: Architecture Anthropology Art History Communication Criminal Justice Forestry Ethnic Studies Film History Law Pre-Law Music Philosophy Political Science Psychology Psychiatry Religious Studies Sociology Theology Women Studies
• Computer Science & Programming: Android AWS Azure Blockchain Cryptocurrency Smart Contracts C C# C++ Cloud Computer Organization and Assembly Languages CSS Data Science Data Structures and Algorithms Deep Learning Design Patterns Game Design and Development iOS Java Javascript Machine Learning MATLAB MySQL Networking NoSQL Object Oriented Programming Operating Systems PHP Principles of Computer Science Programming for Virtual Reality Programming Languages Python R Robotics Ruby Software Engineering SQL Swift Web Development

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom

TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:

1. U.S. Citizenship Status: I have native-born U.S. citizenship status, an 100% authentic & natural U.S. American accent, and a verified New Jersey, USA residence. I can speak on the phone professionally in both perfect native U.S. English and fluent Canadian English.
2. U.S. 212 Phone Number: I have a verified U.S. American business phone number with the prestigious 212 area code (212-380-1856 - Ext 3) that can both send & receive phone calls, texts, voicemails, photos, and website links.
3. Social Media Verified: I have an active & verified online social media presence with my name and contact info regularly showing up on all major search engines including: Google, Yahoo, and Bing.
4. Professional Website: I have a professional, well-designed, well-written, 100% secure SEO-optimized WordPress business themed website: hiraedu.com
5. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
6. Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
7. 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
8. Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original New Jersey IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
9. Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor using 3 highly effective proven methods. Option 1 - WhatsApp: I use WhatsApp to have the student discreetly text me photos of the exam questions outside of the webcam’s view and I text them the correct solutions to the exam questions. Option 2 - Screen Share: Using screen share software like Zoom to see the student’s screen displaying the exam questions and I text the correct solutions. Option 3 - Remote PC Access & Control: Using remote computer access software like to control the student’s mouse and keyboard from my own computer.
10. Study Help Apps: I have over 15+ paid subscriptions to a wide range of study help apps, software, websites, and programs to help me solve exam & homework questions faster and more efficiently. Some of these resources include: Brainly, Chegg, CourseHero, Quizlet, SymboLab & WolframAlpha.
11. Calculators & Math Software: I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
12. Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
13. Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats
14. Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
15. Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.

HOW I CALCULATE FINAL RATES:

• Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
• Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
• Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.

ABOUT MY RATES & PAYMENT OPTIONS:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, native born U.S. resident status, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Completing someone else's exam, essay, or homework assignment is obviously NOT something you can just freely ask anyone to do, especially on the internet. Therefore, such help should be well-compensated. Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide. However, I may be willing to negotiate rates if necessary.
• Payment Methods: I accept PayPal (required for all Canadian students), Venmo, Zelle, Cash App, and anonymous credit & debit card payments via online invoice.
• Payment Plans: I offer the following payment plans for my services: weekly (most expensive), monthly, half-now / half-later, and all upfront (least expensive).
• Money Back Guarantee: I guarantee the following grades for coursework completed: A+. A, A-, B+, B. and B-. However, I offer a 50% refund for C+, C, and C- grades, and a full 100% refund for D+, D, D-, and F grades.

CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:

• Full Class Help Rates: $595 – $2495 USD
• Exam & Test Help Rates: $150 – $350 USD
• Quiz Help Rates: $60 – $180 USD
• HW Assignment Help Rates: $60 – $420 USD
• Essay & Paper Writing Help Rates: $19 – $29 USD per 300 words

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, and accent. I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• Not Worth the Money: I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• Most Students are Broke: I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes.
• Waste of Time & Energy: Communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine.
• All My Payment Apps are Still Active: If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now.

CONCLUSION:

• My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
• Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text, email, and call almost 24/7/365.

Contact Details for Hiraedu Helper:
WhatsApp: +1 (213) 594-5657
Call: +1 727 456 9641
Website: hiraedu. com
Email: [info@hiraedu](mailto:info@hiraedu). com
TAGS:
^{Accounting Exam Help Reddit, Best Online Test Takers Reddit, Best Ways to Cheat on a Test Reddit, Best Website to Pay for Homework Reddit, Bypass Respondus Lockdown Browser Reddit, Calculus Test Taker Reddit, Canvas Cheating Reddit, Cheating in Online Exam Reddit, Cheating on Pearson Mymathlab Reddit, Cheating on Proctortrack Reddit, Cheating on Zoom Proctored Exams Reddit, Cheating on a Test Reddit, College Algebra Mymathlab Reddit, Do Homework for Money Reddit, Do My Assignment Reddit, Do My Exam for Me Reddit, Do My Homework for Me Reddit, Do My Math Homework Reddit, Do My Math Homework for Me Reddit, Do My Test for Me Reddit, Doing Homework Reddit, Domyhomework Reddit, Exam Cheating Reddit, Exam Help Online Reddit, Examity Reddit, Finance Homework Help Reddit, Fiverr Exam Cheating Reddit, Gradeseekers Reddit, Hire Someone to Take My Online Exam Reddit, Hire Test Taker Reddit, Homework Help Reddit, Homework Sites Reddit, Homeworkdoer. org Reddit, Homeworkhelp Reddit, Honorlock Reddit, How Much Should I Pay Someone to Take My Exam Reddit, How to Beat Honorlock Reddit, How to Beat Lockdown Browser Reddit, How to Cheat Examity Reddit 2022, How to Cheat Honorlock Reddit, How to Cheat and Not Get Caught Reddit, How to Cheat in School Reddit, How to Cheat on Canvas Tests Reddit, How to Cheat on Examity Reddit, How to Cheat on Honorlock Reddit, How to Cheat on Math Test Reddit, How to Cheat on Mymathlab Reddit, How to Cheat on Online Exams Reddit, How to Cheat on Online Proctored Exams Reddit, How to Cheat on Zoom Exam Reddit, How to Cheat on Zoom Exams Reddit, How to Cheat on a Proctored Exam Reddit, How to Cheat with Proctorio 2020 Reddit, How to Cheat with Proctorio Reddit, How to Cheat with Respondus Monitor Reddit, How to Get Past Lockdown Browser Reddit, Hwforcash Discord, I Paid Someone to Write My Essay Reddit, Is Hwforcash Legit, Lockdown Browser Hack Reddit, Lockdown Browser How to Cheat Reddit, Math Homework Reddit, Monitoredu Reddit, Mymathlab Answer Key Reddit, Mymathlab Answers Reddit, Mymathlab Cheat Reddit, Mymathlab Proctored Test Reddit, Online Exam Help Reddit, Online Exam Proctor Reddit, Online Proctored Exam Reddit, Organic Chemistry Exam Help Reddit, Organic Chemistry Test Taker Reddit, Paper Writers Reddit, Pay Me to Do Your Homework Reddit, Pay Me to Do Your Homework Reviews Reddit, Pay Someone to Do Homework Reddit, Pay Someone to Do My Assignment Reddit, Pay Someone to Do My College Homework Reddit, Pay Someone to Do My Homework Reddit, Pay Someone to Do My Math Homework Reddit, Pay Someone to Do My Online Class Reddit, Pay Someone to Do My Online Math Class Reddit, Pay Someone to Do My Programming Homework Reddit, Pay Someone to Do Statistics Homework Reddit, Pay Someone to Take Exam Reddit, Pay Someone to Take Exam for Me Reddit, Pay Someone to Take My Calculus Exam Reddit, Pay Someone to Take My Chemistry Exam Reddit, Pay Someone to Take My Exam Reddit, Pay Someone to Take My Online Class Reddit, Pay Someone to Take My Online Exam Reddit, Pay Someone to Take My Proctored Exam Reddit, Pay Someone to Take My Test in Person Reddit, Pay Someone to Take Online Class for Me Reddit, Pay Someone to Take Online Test Reddit, Pay Someone to Take Your Online Class Reddit, Pay Someone to Write My Paper Reddit, Pay for Homework Reddit, Pay to Do Homework Reddit, Paying Someone to Do Your Homework Reddit, Paying Someone to Take My Online Class Reddit, Paying Someone to Take Online Class Reddit, Paysomeonetodo Reddit, Physics Test Taker Reddit, Proctored Exam Reddit, Reddit Do My Homework for Me, Reddit Domyhomework, Reddit Homework Cheat, Reddit Homework Help, Reddit Homework for Money, Reddit Honorlock Cheating, Reddit Mymathlab Hack, Reddit Mymathlab Homework Answers, Reddit Paid Homework, Reddit Pay Someone to Do Your Homework, Reddit Pay Someone to Take Online Test, Reddit Pay for Homework, Reddit Pay to Do Homework, Reddit Test Takers for Hire, Reddit Tutors, Should I Pay Someone to Take My Exam Reddit, Statistics Test Taker Reddit, Take My Calculus Exam Reddit, Take My Class Pro Reddit, Take My Class Pro Reviews Reddit, Take My Exam for Me Reddit, Take My Math Test for Me Reddit, Take My Online Class Reddit, Take My Online Class for Me Reddit, Take My Online Exam for Me Reddit, Take My Online Exams Reddit, Take My Online Exams Review Reddit, Take My Online Exams Reviews Reddit, Take My Online Test Reddit, Take My Online Test for Me Reddit, Take My Physics Exam for Me Reddit, Take My Proctored Exam for Me Reddit, Take My Statistics Exam for Me Reddit, Take My Test for Me Reddit, Takemyonlineexams Reddit, Test Taker Reddit, We Take Classes Reddit, Write My Exam for Me Reddit}

Hello! Throwaway acct.
Have been browsing the sub for a while.
Over the past two years, I’ve struggled with what was initially thought to be jock itch, then eczema, and now psoriasis on the shaft of my penis and also scrotum.
It’s largely been very red, will get very dry if I don’t moisturize and steroid creams have not done much. If anything, Hydrocortisone 1% seems more effective than stronger variants. Also very careful when using steroids.
Cold weather seemed to trigger in the past but my last major flare started October 2023 and I haven’t been able to get it under control. Not much itching, sometimes on the scrotum. More feels like the cycle of a sunburn. Gets red, dull burn, light flakiness and then begins to heal but always flares again.
After many trips to different derms, I found what seems like a good medical derm, was diagnosed with psoriasis (visual diagnosis so I always question that), and was prescribed Zoryve cream. My challenge is the side effects. My appt was on Tuesday last week, and the day before I wasn’t feeling great. But woke up the date of my appointment feeling good. Started the cream that day. Almost an hour after applying the cream, I started with a dupl headache near my temples and overall just felt unwell. Kind of felt like the flu or cold, without congestion. Just out of it.
This continued every day, and I had to stop taking the cream yesterday to see if it was side effects or if I was actually sick.
Has anyone else experienced this. Is it maybe that the genital skin soaks the cream more effectively causing greater side effects? The trial study percentages seem to show side effects being pretty low, so itd be statistically odd to get multiple 1% probability side effects.
Today, I feel a little better. The cream does seem to be working on the underlying issue. I’m going to test on and off to see if these are side effects from the drug or a sickness. I’ll know if I feel better - and when I start the cream again , if I feel like crap again - it’ll obviously be the cream.
Has anyone else had a similar experience? Did you power through and have the side effects subside? I only used it 5 days, but I’d almost rather deal with the rash than feeling like crap every day.
Thank you!

According to Statistics Canada 2021 census, 21% of Canadian lawyers have a master's degree and of that 60% are postgraduate degrees in law. Cross-classifications allows you to see this data as on the long form census the educational attainment the JD/LLB is considered a bachelor's. But I'm surprised 13% of lawyers have this degree as it seems extremely uncommon outside legal academia. The next question (after that) says write in the subject of your highest degree. Since I'm guessing more lawyers with non-LL..M. master's did their master's before the law degree, I wonder if a lot write "master's" but then write in law after that because they completed that degree more recently and these JD's get misclassified as post-JD law degrees.
Not the highest priority, but perhaps "professional school degree" should be a category for future censuses. University degrees are "ranked" as follows: Bachelor's, University Diploma Above Bachelor's, Degree in Medicine, Dentistry, Veterinary Medicine or Optometry, Master's, Doctorate. The JD should be classified with the MD and DDS degrees.
ETA: Long-form census here (questions 34 and 35): https://www.statcan.gc.ca/en/statistical-programs/instrument/3901_Q2_V6

Hi all, I'm looking to move to BYU next autumn (2025) and I'm trying to find out if the credits I have would be a valid transfer... I'm hoping that someone sees this that's experienced the same.
I have 30 credits through Athabasca University- an online university in Canada. I also have nearly finished Pathway Connect and have been working on my first certificate course. I was just accepted to do an online degree with BYU-I through pathways.
Does anyone know If any of those credits are transferable? I currently have a 4.0GPA with pathways and my 30 credits with Athabasca are at a 3.87 GPA.
18 of my Athabasca credits are in Psychology (my chosen major) as well as statistics, English composition, Spanish, and a computer course.
Please tell me someone has experience similar to this that can give me pointers? I'm a British citizen with Canadian permanent residency and waiting for my Canadian citizenship application to go through. I wasn't sure if having dual citizenship would help but thought I'd give it a go.
Thanks in advance!

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ACADEMIC TASKS MY TEAM AND I CAN COMPLETE:

• Entire Degree Programs
• Full Online Classes (1 - 20+ Weeks Long)
• Proctored Exams Quizzes Tests
• Homework Assignments
• Research Papers Term Papers Essays
• Projects & Labs
• Discussion Posts
• Annotated Bibliographies
• Employment Assessments
• Certification Programs

MY TEAM'S CLASSES OF EXPERTISE:

• Statistics: AP Statistics Biostatistics Business Statistics Elementary Statistics Intro to Statistics Psychology Statistics Social Science Statistics Statistics & Probability Statistical Methods Statistical & Probability Models
• Math: Advanced Functions Algebra Calculus 1, 2, 3 (and 4 in some schools) Vector Calculus Differential Calculus Integral Calculus Multivariable Calculus Differential Equations Discrete Math Discrete Structures Finite Mathematics Functions Geometry Linear Algebra Precalculus Probability Real Analysis Statistics Trigonometry Quantitative Methods & Reasoning
• Science: Anatomy & Physiology Astronomy Biochemistry Biology Chemistry (General, Inorganic & Organic) Dental / Pre-Dental Earth Science Engineering (Almost All Types) Environmental Science Epidemiology Fluid & Mechanics Geology Geophysics Medicine / Pre-Med Microbiology Neuroscience Physics Physical Science
• Business: Accounting Auditing Banking Business Administration Business Law Corporate Finance Cost Accounting Econometrics Economics Finance Financial Institutions Financial Reporting Global Economics Governance International Economics Macroeconomics Management Marketing MBA Courses Mergers and Acquisitions Microeconomics Operations Management Principles of Accounting Real Estate Taxation
• English: Business Writing Creative Writing Critical Reading Digital Media Eastern Literature English Literature Essays Expository & Persuasive Writing Fiction Writing Greek and Roman Philosophy Grammar Poetry
• Humanities & Social Sciences: Architecture Anthropology Art History Communication Criminal Justice Forestry Ethnic Studies Film History Law Pre-Law Music Philosophy Political Science Psychology Psychiatry Religious Studies Sociology Theology Women Studies
• Computer Science & Programming: Android AWS Azure Blockchain Cryptocurrency Smart Contracts C C# C++ Cloud Computer Organization and Assembly Languages CSS Data Science Data Structures and Algorithms Deep Learning Design Patterns Game Design and Development iOS Java Javascript Machine Learning MATLAB MySQL Networking NoSQL Object Oriented Programming Operating Systems PHP Principles of Computer Science Programming for Virtual Reality Programming Languages Python R Robotics Ruby Software Engineering SQL Swift Web Development

MY EDUCATIONAL SOFTWARE OF EXPERTISE:

• Acellus ALEKS Aplia APEX Learning Badgr Blackboard Blink Learning Brightspace / D2L Canvas Cengage CengageNow Childsmath Cisco ConnectMath Connexus CPM Crowdmark EViews Edmentum Examity Excel Garch Google Classroom Google Education Gradescope Hawkes Learning Honorlock iClicker InQuizitive (Norton) Java Kaltura Khan Academy Knewton Kryterion LaunchPad MATLAB Maple MasteringChemistry MasteringPhysics MathXL Mathematica McGraw-Hill Connect MegaStat Microsoft Teams Microsoft Access, Word, Excel, PowerPoint Mindtap Minitab MonitorEDU Moodle MyAccountingLab MyEconLab MyFinanceLab MyITLab MyMathLab MyOpenMath MyPsychLab MySocLab MyStatLab NCSS Outlier Pearson MyLab and Mastering Piazza PlatoWeb Prezi Proctor360 Proctorio Proctortrack Python R Respondus Lockdown Browser with Webcam SAM Sapling SAS SPSS Socrative Stata StraighterLine Turnitin VoiceThread WebAssign WebEx WebWork Wiley WileyPlus Zoom

TOP 20 REASONS WHY I'M THE MOST LEGIT EXAM, HW, ONLINE CLASS TUTOR ON REDDIT:

1. Team of U.S. Academic Experts: I and my team of dedicated academic experts complete all types of academic coursework for students in most math, English, science, business, humanities, social Sciences, computer programming, and foreign language classes on a 24/7/365 full-time round-the-clock basis. This is not some part-time gig for me. It’s literally my primary source of income. I can regularly make myself available to help students with last-minute & same-day academic requests.
2. Essay Writing Skills: I can write essays & research papers in native U.S. American English and fluent Canadian English using APA MLA Harvard Chicago Vancouver OSCOLA IEEE formatting & citations.
3. 75+ Types of Academic Software: I am highly skilled & experienced in using over 75+ types of academic software and educational platforms including the following: ALEKS, Blackboard, Brightspace, Canvas, Cengage, WebAssign, ConnectMath, Crowdmark, D2L, Moodle, Pearson MyLab and Mastering, MyMathLab, MyStatLab, MyOpenMath, StraighterLine, WebWork, and Wiley.
4. Can Change IP Address: I have multiple reliable VPN software including: NordVPN, SurfShark & ExpressVPN that allows me to successfully change my computer’s original New Jersey IP address to any major city in the U.S. & Canada to avoid raising red flags with students’ online class software.
5. Proctored Exam Help: I have developed multiple highly effective methods of helping students with exams, tests, and quizzes that are proctored by software like: Respondus Lockdown Browser with Webcam, Honorlock, Examity, Proctorio, Proctor360, Proctortrack, and ProProctor using 3 highly effective proven methods. Option 1 - WhatsApp: I use WhatsApp to have the student discreetly text me photos of the exam questions outside of the webcam’s view and I text them the correct solutions to the exam questions. Option 2 - Screen Share: Using screen share software like Zoom to see the student’s screen displaying the exam questions and I text the correct solutions. Option 3 - Remote PC Access & Control: Using remote computer access software like to control the student’s mouse and keyboard from my own computer.
6. Study Help Apps: I have over 15+ paid subscriptions to a wide range of study help apps, software, websites, and programs to help me solve exam & homework questions faster and more efficiently. Some of these resources include: Brainly, Chegg, CourseHero, Quizlet, SymboLab & WolframAlpha.
7. Calculators & Math Software: I have access to a very sophisticated graphing calculator and various mathematical software that provides step-by-step solutions to complex mathematical problems within seconds, allowing me to provide exact solutions to the student in a timely manner.
8. Test Taking Techniques: I have developed highly effective methods to determine the correct answers to questions that I’m not already familiar with including process of elimination, working backwards, quickly searching for similar questions online, and utilizing standardized test taking techniques taught only in elite standardized test prep tutoring programs.
9. Handwriting & Scanning Apps: I have impeccable handwriting and a high-quality mobile scanner app that allows me to scan written solutions in very legible high-definition JPG, PNG, and PDF formats.
10. Live Exam Help Videos: I am the only verified U.S.-based online exam hw online class help tutor with a highly successful YouTube Channel where I regularly upload live unedited videos of me actually completing exams, quizzes & homework assignments for other students and clearly explain my entire thought process and display on-screen all the steps, apps, websites, and software I use to compute the correct answers.
11. Flexible Payment Methods: I offer negotiable rates, multiple payment methods (PayPal, Venmo, Cash App, Zelle, anonymous credit & debit card payments via online invoice), and flexible payment plans: weekly (most expensive), monthly, half-now / half-later, and all-up-front (least expensive).
12. Money Back Guarantee: I have won multiple academic awards for my exceptional skills & expertise in math. I guarantee overall A & B grades for all coursework completed. Plus. I also offer a 50% refund for C+, C, and C- scores, and a full 100% refund for D+, D, D-, and F scores.

HOW I CALCULATE FINAL RATES:

• Exams & Quizzes: Final rates for exams and quizzes depend on various factors including: whether or not there is proctoring, how many hours the exam is, total number of questions including sub-parts, preferred method of me delivering solutions, whether it's show all work or just the answer only, and whether the assessment has a flexible window of time to complete or a fixed & rigid start and end time.
• Full Courses: Final rates for full class help depend all the foregoing plus: total number of hw, quizzes, exams, discussion posts, and other academic tasks left that need to be completed, total number of weeks or modules left in the class to complete, and whether there is required multi factor authentication for logging in like Duo Push or text passcode.
• Essays Papers Discussion Posts: Final rates for writing tasks depend on the required number of words or pages. topic of interest, type of citations, required number and type of sources & bibliography style , level of research required, and type of additional software required to complete the essay like: Excel, R, or Minitab.

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
ABOUT MY RATES & PAYMENT OPTIONS:

• Rationale for My Rates: I sincerely believe my rates are more than fair considering my education, skills, native born U.S. resident status, legitimacy, and the substantial amount of value, stress relief, and saved time & energy I’d be providing you in exchange for my valuable, irretrievable time, energy, and effort.
• Disclaimer About Rates: Completing someone else's exam, essay, or homework assignment is obviously NOT something you can just freely ask anyone to do, especially on the internet. Therefore, such help should be well-compensated. Services that are reliable and deliver high-quality results are difficult to find and are very high in demand. Thus, I expect to be compensated fairly for all the value, stress relief, and saved time & energy my services provide. However, I may be willing to negotiate rates if necessary.
• Payment Methods: I accept PayPal (required for all Canadian students), Venmo, Zelle, Cash App, and anonymous credit & debit card payments via online invoice.
• Payment Plans: I offer the following payment plans for my services: weekly (most expensive), monthly, half-now / half-later, and all upfront (least expensive).
• Money Back Guarantee: I guarantee the following grades for coursework completed: A+. A, A-, B+, B. and B-. However, I offer a 50% refund for C+, C, and C- grades, and a full 100% refund for D+, D, D-, and F grades.

CURRENT RATES -- AS OF SUMMER / FALL 2022 -- SUBJECT TO CHANGE:

• Full Class Help Rates: $595 – $2495 USD
• Exam & Test Help Rates: $150 – $350 USD
• Quiz Help Rates: $60 – $180 USD
• HW Assignment Help Rates: $60 – $420 USD
• Essay & Paper Writing Help Rates: $19 – $29 USD per 300 words

THE OBLIGATORY "IS THIS A SCAM?" QUESTION:
Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, and accent. I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
• Provide Telephone References: Provide you with the contact information of students who have utilized my services in the past who would be more than willing to vouch for my skills.

MY REBUTTAL TO THE OBLIGATORY “IS THIS A SCAM?” QUESTION:
At the risk of sounding arrogant, I consider myself to be at least marginally more intelligent (both academically & socially) than the average person. Therefore, if I ever decided to suddenly risk prison time, risk my reputation, and risk enduring the wrath of modern-day “cancel culture” by scamming people out of their money:

• Not Worth the Money: I certainly wouldn’t do it for such paltry amounts of money. (i.e., anything less than $1,000 per victim.)
• Most Students are Broke: I certainly wouldn’t choose high school & college students as my “target audience” to scam, considering that most people without college degrees have abysmally low annual incomes.
• Waste of Time & Energy: Communicating back and forth with potential clients is an absurdly long time sink since only less than 10% of all potential clients who reach out to me actually become paying clients of mine.
• All My Payment Apps are Still Active: If you pay me to provide academic services and I don’t deliver, you can always dispute the payment with the payment app and easily get your money refunded. If I were in the habit of swindling money from people, then all of my payment accounts would have been investigated and be completely shut down by now.
• My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
• Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text, email, and call almost 24/7/365.

Paid Help from Hiraedu: If You're struggling to handle your comptia or any other WGU Exam or any other coursework, get help from Hiraedu and pay after the exam. Contact details for Hiraedu is: WhatsApp: +1 (213) 594-5657 OR Call: +1 727 456 9641
TAGS:
^{Accounting Exam Help Reddit, Best Online Test Takers Reddit, Best Ways to Cheat on a Test Reddit, Best Website to Pay for Homework Reddit, Bypass Respondus Lockdown Browser Reddit, Calculus Test Taker Reddit, Canvas Cheating Reddit, Cheating in Online Exam Reddit, Cheating on Pearson Mymathlab Reddit, Cheating on Proctortrack Reddit, Cheating on Zoom Proctored Exams Reddit, Cheating on a Test Reddit, College Algebra Mymathlab Reddit, Do Homework for Money Reddit, Do My Assignment Reddit, Do My Exam for Me Reddit, Do My Homework for Me Reddit, Do My Math Homework Reddit, Do My Math Homework for Me Reddit, Do My Test for Me Reddit, Doing Homework Reddit, Domyhomework Reddit, Exam Cheating Reddit, Exam Help Online Reddit, Examity Reddit, Finance Homework Help Reddit, Fiverr Exam Cheating Reddit, Gradeseekers Reddit, Hire Someone to Take My Online Exam Reddit, Hire Test Taker Reddit, Homework Help Reddit, Homework Sites Reddit, Homeworkdoer .org Reddit, Homeworkhelp Reddit, Honorlock Reddit, How Much Should I Pay Someone to Take My Exam Reddit, How to Beat Honorlock Reddit, How to Beat Lockdown Browser Reddit, How to Cheat Examity Reddit 2022, How to Cheat Honorlock Reddit, How to Cheat and Not Get Caught Reddit, How to Cheat in School Reddit, How to Cheat on Canvas Tests Reddit, How to Cheat on Examity Reddit, How to Cheat on Honorlock Reddit, How to Cheat on Math Test Reddit, How to Cheat on Mymathlab Reddit, How to Cheat on Online Exams Reddit, How to Cheat on Online Proctored Exams Reddit, How to Cheat on Zoom Exam Reddit, How to Cheat on Zoom Exams Reddit, How to Cheat on a Proctored Exam Reddit, How to Cheat with Proctorio 2020 Reddit, How to Cheat with Proctorio Reddit, How to Cheat with Respondus Monitor Reddit, How to Get Past Lockdown Browser Reddit, Hwforcash Discord, I Paid Someone to Write My Essay Reddit, Is Hwforcash Legit, Lockdown Browser Hack Reddit, Lockdown Browser How to Cheat Reddit, Math Homework Reddit, Monitoredu Reddit, Mymathlab Answer Key Reddit, Mymathlab Answers Reddit, Mymathlab Cheat Reddit, Mymathlab Proctored Test Reddit, Online Exam Help Reddit, Online Exam Proctor Reddit, Online Proctored Exam Reddit, Organic Chemistry Exam Help Reddit, Organic Chemistry Test Taker Reddit, Paper Writers Reddit, Pay Me to Do Your Homework Reddit, Pay Me to Do Your Homework Reviews Reddit, Pay Someone to Do Homework Reddit, Pay Someone to Do My Assignment Reddit, Pay Someone to Do My College Homework Reddit, Pay Someone to Do My Homework Reddit, Pay Someone to Do My Math Homework Reddit, Pay Someone to Do My Online Class Reddit, Pay Someone to Do My Online Math Class Reddit, Pay Someone to Do My Programming Homework Reddit, Pay Someone to Do Statistics Homework Reddit, Pay Someone to Take Exam Reddit, Pay Someone to Take Exam for Me Reddit, Pay Someone to Take My Calculus Exam Reddit, Pay Someone to Take My Chemistry Exam Reddit, Pay Someone to Take My Exam Reddit, Pay Someone to Take My Online Class Reddit, Pay Someone to Take My Online Exam Reddit, Pay Someone to Take My Proctored Exam Reddit, Pay Someone to Take My Test in Person Reddit, Pay Someone to Take Online Class for Me Reddit, Pay Someone to Take Online Test Reddit, Pay Someone to Take Your Online Class Reddit, Pay Someone to Write My Paper Reddit, Pay for Homework Reddit, Pay to Do Homework Reddit, Paying Someone to Do Your Homework Reddit, Paying Someone to Take My Online Class Reddit, Paying Someone to Take Online Class Reddit, Paysomeonetodo Reddit, Physics Test Taker Reddit, Proctored Exam Reddit, Reddit Do My Homework for Me, Reddit Domyhomework, Reddit Homework Cheat, Reddit Homework Help, Reddit Homework for Money, Reddit Honorlock Cheating, Reddit Mymathlab Hack, Reddit Mymathlab Homework Answers, Reddit Paid Homework, Reddit Pay Someone to Do Your Homework, Reddit Pay Someone to Take Online Test, Reddit Pay for Homework, Reddit Pay to Do Homework, Reddit Test Takers for Hire, Reddit Tutors, Should I Pay Someone to Take My Exam Reddit, Statistics Test Taker Reddit, Take My Calculus Exam Reddit, Take My Class Pro Reddit, Take My Class Pro Reviews Reddit, Take My Exam for Me Reddit, Take My Math Test for Me Reddit, Take My Online Class Reddit, Take My Online Class for Me Reddit, Take My Online Exam for Me Reddit, Take My Online Exams Reddit, Take My Online Exams Review Reddit, Take My Online Exams Reviews Reddit, Take My Online Test Reddit, Take My Online Test for Me Reddit, Take My Physics Exam for Me Reddit, Take My Proctored Exam for Me Reddit, Take My Statistics Exam for Me Reddit, Take My Test for Me Reddit, Takemyonlineexams Reddit, Test Taker Reddit, We Take Classes Reddit, Write My Exam for Me Reddit}

"Behind every great fortune lies a great crime."
- Honore de Balzac

What if someone wrote an entire non-fiction book based on that quote? But what if instead of a blistering takedown of a particular business empire and its origins, a mostly humorless & judgmental schoolmarm give you a drab and somewhat unfocused moralizing guilt-trip of a lecture that seemed burdened with more irrelevant examples than those germane to its central thesis? Tragically, the latter description is much more descriptive of "Limitarianism" by Ingrid Robeyns.
I'll start with my bias: I was really excited to read this book so perhaps my disappointment is amplified by my high hopes. I'd read a couple of reviews in the usual places a middle-brow person like myself finds them. I should have noticed that the reviews mostly presented the *idea* of limitarianism rather than this actual book. And I will be clear: I thought this book was not good. It is flabby and shallow, judgmental and moralizing (though I suspect she would consider those compliments), naive in the extreme and as guilty of being as unaware of the reality in another segment of society as it accuses its super-rich class of being. It wastes far too many pages to hold forth on how basically every fortune is (more or less) ill-gotten while also conflating *corporate* and individual wealth. And after reading the entire thing, it's not at all clear to me that she understands there can be a difference between a publicly traded company held primarily by institutional shareholders like Boeing and a company like Koch Industries, which truly is a wealth engine for its founders. It's sloppy and undercuts her argument that there should be a limit on *individual* wealth accumulation.
Along the way, there is an astonishing level of political naivete apparent. The breezy way she implies that the newly bulging treasuries of the EU, US and other rich countries would simply send large percentages of that money to the Global South is almost literally unbelievable. But probably the most wild proposal is *where* she draws the "riches line": 10 million euros/pounds/dollars and she further argues that *ethically* nobody should ever have more than 1 million of any currency. It makes for a nice round number, I'll grant her that.(Sorry Canadians!)
Perhaps this should be expected from someone that would have us believe that her totally normal 12 year old son, upon seeing a homeless person supposedly for the first time in his life, spontaneously proclaims, "I’m ashamed that as a society we treat people this way." Either this is the most empathetic and precocious 12 year old I've ever heard of or she made this up. The only other alternative is she spoon fed her child this line and encouraged him to regurgitate it just like kids are encouraged/compelled to do at school board meetings, interviews, etc.
But her implied proposal of confiscating fortunes >$10M from the EU and US and then giving a massive share of the resulting pot of money to the Global South is something out of a stoned anthropology students dorm room conversation. It's simply a non-starter.
She also confuses or conflates - it's not really clear her intent - *corporate* fortunes with personal fortunes. While there are cases of publicly traded companies with individual majority shareholders, typically they are held by institutional investors via mutual funds, ETFs and so on.
The most tragic thing about this book is that the *idea* is very, very intriguing. Unfortunately, the book as executed is deeply unserious - typically resorting to the liberal fallback of guilt trips, soaring ideals and woefully short on detail.
Nevertheless... I was intrigued by the concept. After I read the initial reviews but before I read the book itself, I spent some time pondering where I would draw the upper limit on individual wealth. I quizzed my significant other who came up with $50M more or less on the spur of the moment. I did some veeeerrry quick & dirty looking at US household wealth statistics and distribution and came up with $150M. Both of these values represent sort of a "feeling" of a point that balances the motivating force of capitalism to get super rich with a cap that limits how much damage the current 0.01% really can do to the political system. I will hopefully add some comments with my messing about on some stats from the US on wealth distribution, #s of households, thinking about actual effects of my own "riches line", etc. Devil in the details and all that

Immigration is needed to help grow Canada but MASS immigration is ruining the economy and fabric of society. Tim Hortons is a major winner of mass immigration and receiving many temporary foreign worker visas.

I want there to be a movement of Canadians boycotting the beloved Tim Hortons (an American owned company) where the coffee isn't even that great to send a signal to all politicians to stop mass immigration.
A classmate wrote this discussion post and I think it highlights the reality which politicians are not acknowledging or speaking about- cheap labour lines private companies pockets and yet public coffers pay for it. We need to stop supporting companies that use cheap labor and are part of the problem so let's stop going to Tim Hortons.

Immigration and the Economy: A balancing act of skill mix and quantity

Immigration has been the backbone to growing and building Canada like many Western rich nations, but in the past few years the Canadian government has turned immigration into mass immigration which is noted to contributing significantly to inflation and wage suppression for Canadians (Lundy, 2024; Rogers, 2024; Varela, 2024). While immigration is often noted as being positive for a country and economic circumstances, the current immigration trends seen in the West have long term negative consequences if not corrected and adjusted swiftly (Stolle, 2024).
The current immigration trends seen in Western countries shows migration has sharply shifted from skilled labor and is now predominantly low-skilled or no skilled migrants which includes international students (Stolle, 2024). This shift has occurred in Australia, New Zealand, the United States, Britain, and Canada and notably since COVID. Not only has migration shifted to those with low skills for entrance, there has been a massive surge in migration to Western nations. The benefit of having labour is undoubtably a necessity to keep Western countries growing in population, labor, and GDP, however, the critical question is, if newcomers who are low-wage earners stay long term, will they bring a net positive or net negative impact to the economy? The long term consequences for cheap labor for private industry will be paid by the public coffers.
High-skilled immigrants make enormous net fiscal contributions in productivity, taxes and creating jobs and add to the economy (Stolle, 2024). Low-skilled and low wage immigrants and natural citizens typically use more services and retirement subsidies than what they paid into and cost the government and system. Combined with the future of AI and technology, where many low wage jobs will be rendered unnecessary, low-wage immigrants, like native workers, have the potential to become a burden to the government and needs to be considered when cost averaging the acceptance of immigrants in any country (Petropoulos & Brekelmans, 2020).
Currently in Canada there has been a sharp rise in usage of government services and food banks by both immigrants and natural citizens; Canada is at its highest food bank usage ever (Smith, 2023). Food banks in Alberta have notably been seeing a disproportional usage from immigrants where one if four clients are self-identified as immigrants and new comers to Canada (Dubey, 2023).
The Liberals massive immigration push has been highly criticized as Canada is growing at neck-breaking speed and is growing faster than most African countries and is growing the fastest in the past 66 years (Mukherjee, 2024). During Harper’s tenure, 2.3 million immigrants came to Canada (Government of Canada, Statistics Canada. 2024). However, the Liberals have brought in over 3.7 million immigrants so far (Government of Canada, Statistics Canada. 2024). The rate of net migration per quarter for Harper was 244,679 whereas currently Trudeau has nearly doubled that to 474,212 (Government of Canada, Statistics Canada. 2024). The trickle-down effects of this massive immigration have been and will continue to negatively affect the average Canadian with less family doctors and healthcare services, larger classroom sizes for students and less services all while supressing wages for Canadians in the workforce (Stolle, 2024).
Carolyn Rogers from the Bank of Canada is one of many economists in Canada who has directly linked immigration to the increasing cost of housing, wage suppression and overall increase cost of living in Canada (Rogers, 2024; Ministry of Industry, 2007). It is researched and known that immigration supresses wages for native workers; for every 100,000 immigrants the native worker loses 3-4% in earning power and suppress some fields even more (Ministry of Industry, 2007; Varela, 2024).Likewise, for every 100,000 migrants brought in to a Western country, there is a direct 1% increase in rent prices (Stolle, 2024).
Supply and demand is a common concept that can explain what is currently happening in Canada today with the surge of immigration. The economic law of supply and demand describes how prices change based on varying levels of supply and or demand (Fernando, 2023). With more people moving to Canada, increasing the demand for housing, shelter costs in Canada is at an all-time high due to the demand increase and the limited supply (Rogers, 2024). Likewise, with more workers and less jobs per capita than previously there is stagnant wages and increased unemployment.
Canada is in a population trap and immigration needs to be reduced significantly to encourage productivity, affordable housing and to protect public services like healthcare and education (Lundy, 2024). Growing the population is costing the economy and average Canadian tax payer greatly. Going forward the Canadian economy needs to increase productivity and decrease reliance on labor from abroad to ensure Canada is not a nation of those on welfare and better the economic outlook for future generations (Lundy,2024; Rogers, 2024; Stolle, 2024).
Bolger, K. (2023, December 13). Newcomers increasingly turning to food banks for sustenance. New Canadian Media. https://www.newcanadianmedia.ca/newcomers-increasingly-turning-to-food-banks-for-sustenance/
Dubey, R. (2023, April 10). To meet demand from newcomers, Alberta Food Banks are bringing new diversity to grocery hampers CBC news. CBCnews. https://www.cbc.ca/news/canada/edmonton/alta-food-newcomers-1.6806029
Fernando, J. (2023, December 31). Law of supply and demand in economics: How it works. Investopedia. https://www.investopedia.com/terms/l/law-of-supply-demand.asp
Government of Canada, Statistics Canada. (2024, March 27). Estimates of the components of International Migration, quarterly. Estimates of the components of international migration, quarterly. https://www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1710004001
Lundy, M. (2024, January 17). Canada stuck in “population trap,” needs to reduce immigration, bank economists say. The Globe and Mail. https://www.theglobeandmail.com/business/article-canada-stuck-in-population-trap-needs-to-reduce-immigration-bank/
Ministry of Industry. (2007, May). The impact of immigration on labour markets in Canada ... https://www150.statcan.gc.ca/n1/pub/89-001-x/89-001-x2007001-eng.pdf
Mukherjee, P. (2024, March 27). Canada clocks fastest population growth in 66 years in 2023 reuters. https://www.reuters.com/world/americas/canada-clocks-fastest-population-growth-66-years-2023-2024-03-27/
Petropoulos, G., & Brekelmans, S. (2023, March 16). Artificial Intelligence’s great impact on low and middle-skilled jobs. Artificial intelligence’s great impact on low and middle-skilled jobs. https://www.bruegel.org/blog-post/artificial-intelligences-great-impact-low-and-middle-skilled-jobs
Rogers, C. (2024, March 26). The productivity problem. Bank of Canada. https://www.bankofcanada.ca/2024/03/productivity-problem/
Smith, P. (2023, November 2). Food Bank usage in Canada up one-third in a year as social crisis dramatically worsens. World Socialist Web Site. https://www.wsws.org/en/articles/2023/11/02/zdim-n02.html
Varela, W. K. (2024, March 21). Temporary immigration programs are pushing down wage growth in Canada, economists say. New Canadian Media. https://www.newcanadianmedia.ca/temporary-immigration-programs-are-pushing-down-wage-growth-in-canada-economists-say/#:\~:text=MacEwan%20said%20immigration%20normally%20boosts,wage%20growth%20in%20some%20sectors.

Lifetime - Staked: 892.4u, Profit/Loss: +12.04u, ROI: 1.35%, Parlay Suggestions: 171-67 Dog of the Week: 13-16
2024 - Staked: 245.3u, Profit/Loss: -21.32u
As always, scroll down for UFC Vegas 92 Breakdowns. The following is just a recap of last event’s results.
~UFC St. Louis (PREVIOUS CARD)~
Staked: 15.75u
Profit/Loss: -15.75u
Parlay Suggestions: 3-3
I’m not really sure how to write a review of a card where you go 0-11 in bets and lose 15.75u. All I know is I’m currently going through an awful year and results have been shocking, and mentally it’s becoming quite taxing. The records are cool and all, but I’m obviously losing money here also and suffering that much of a loss just doesn’t sit well. Mentally I’ve taken a bit of a hit, I can’t lie. Thankfully I’d done most of my research for this upcoming card before UFC STL took place so it shouldn’t cloud my decision making too much. Grateful we’ve got a break week coming up, I need some time to lick my wounds after this one.
I’ll save characters and just direct you to last week’s post if you’d like to see the disasterpiece that was my betting slate for that card.

~UFC Vegas 92~
Bang average card, and even worse from a betting perspective from the looks of these money lines! Honestly I don’t even know why anyone would read this from someone who just took as many consecutive Ls as I just did, but thanks for sticking around if you did. It probably won’t be a massive slate for me here anyway.
(also all breakdowns were written before UFC STL so the self-loathing stops here)

~Edson Barboza v Lerone Murphy~
Full disclosure, all my betting life I have been very keen to fade British fighters, despite being from the UK myself. The talent pool is just objectively smaller, the lack of combat sports in our school curriculum means fighters have less overall experience and years in competition, as well as the media’s and the UFC’s infatuation with hyping up any fighter from this country overall means that fading has been a net positive investment over the years. When it comes to betting lines, the oddsmakers in this country always hang the UK fighters out at slightly shorter prices too, because obviously that’s where the money is almost always going to go. I know I always did that.
Whilst we’re talking about betting, I’ll take the opportunity to get in a quick victory lap about Edson Barboza, who I confidently bet as an underdog to Sodiq Yusuff. The reads I made in for that fight almost looked like I’d seen it before, and it was probably my best bet of 2023 from a pure analytical perspective. Good times.
Edson Barboza has managed to turn incredibly underrated in recent years, mostly due to the fact he’s old and has been mauled a few performances lately. The blueprint to beat him is very clear - you either to go balls to the wall, crowd/pressure him and finish him early, or you cardio-wrestle him for 15/25 minutes.
It sounds quite simple, but both of those lanes require quite specific skillsets. They are obviously skillsets that Khabib, Tony Ferguson, Bryce Mitchell, Kevin Lee and Gaethje possess naturally, which explains 5 of his eight losses in recent years. The losses to Dan Ige and Paul Felder were scored terribly and should have been wins for Edson…and the remaining loss was to Giga Chikadze, which is the only time I think he’s been outclassed in what could be called an “even” fight on paper. Another key thing to note is that Edson is so explosive and dangerous that he has also managed to still score wins against fighters that do fit the stylistic blueprint to be able to make life difficult for him. People like Benny Dariush, Shane Burgos and Billy Quarantillo. But he finished all three of them. Another thing to note is that the calibre of every single name mentioned is very high.
So how does Lerone Murphy measure up against these blueprints? Well right off the bat his record shows he’s capable of a KO win, but it’s not a super reliable method and isn’t particularly process driven (IE it doesn’t come from him smothering his opponent with suffocating pressure early). In fact, his finish of Ricardo Ramos came from some surprisingly effective ground and pound, and the knee against Amirkhani was a fortuitous impact, in a fight where he was expected to find the finish against a guy with the ‘1 round of resilience’ curse.
So how about the wrestling/top control route? Well as previously mentioned Murphy showed some dangerousness in the way he finished Ramos in a grappling position, and his performance against Josh Culibao also shows that it’s his best chance of beating Edson. I have been impressed with his grappling ability in the UFC so far. He’s not a pure takedown artist though, and has averaged just 1.29 takedowns per 15 minutes inside the UFC. In that Culibao fight he was keen to clinch up, but took advantage of Culibao turning his back in the second. The third round was dominant for Murphy in regards to the grappling, but it all stemmed from him landing a body shot that pretty much compromised Culibao and turned him into a ragdoll for more than three minutes in the round. If all you do is look at UFCStats for that fight, then Murphy looks like Khabib…but the tape shows a very different story. He also probably should have gotten the finish there if we’re being critical!
I understand that Lerone Murphy is undefeated (although if you ask me he lost that Tukhugov debut, not that it matters), and has shown good moments from top position, but does doing that against a compromised Josh Culibao and Ricardo Ramos really justify you being the favourite against Edson Barboza? Edson’s fought the cream of the crop in the UFC since day one – his three most underwhelming results were losses to Jamie Varner, Donald Cerrone and Michael Johnson…that’s how ELITE the competition he’s faced has been. And even though he’s a bit long in the tooth he’s showing that he can still hang with guys at this level, like he did with Sodiq. Personally I think Yusuff is a more dangerous fighter for him than Lerone, who doesn’t appear to have that kind of imposing and dangerous striking style.
I think this betting line is putting so much unwarranted faith in Lerone Murphy. Yes, he could turn out to be a great prospect that enters the top 5 of the division one day, but we have not seen him show anywhere near the level of competence to be expected to beat Barboza more times than not. Stylistically, he doesn’t have anything that gives an immediate advantage against Barboza (at least nothing I could trust him to lean on for 25 minutes), the only angle there is age. Yes Barboza is getting a bit old and shopworn, but he’s still beating younger guys consistently. Also, whilst we’re talking about intangibles, Barboza is very experienced in five round fights, and the extra two rounds allow him back into the fight should his weakness towards early pressure show itself.
I’d say Edson should be around -150 here. The line available feels unsubstantiated and purely based on the age dynamic, as I have not seen anything from tape that implies Lerone Murphy is up to the task. He barely got past Gabriel Santos last year.
I had a great time betting Barboza as a dog last time, so I’m doing it again. 1u on Edson Barboza to Win at +125 or better. The line looks to be moving in Lerone’s favour at the moment so I will wait to bet this.
How I line this fight: Edson Barboza -150 (60%), Lerone Murphy +150 (40%)
Bet or pass: 1u Edson Barboza to Win (+XXX)
Prop leans: None

Khaos Williams v Carlston Harris
Pretty awful Co-Main Event. It’s a fun fight but neither man is really considered one-to-watch and they’ve barely fought once each in the last year. You telling me they couldn’t have found a better fight to go on the poster for this one?
Anyway, both men are a little bit wild on the feet, but Harris is clearly the less technical and defensively sound of the two.
Williams kind of forged his path in the UFC with KO victories, but when forced to be technical across 15 minutes he gives a decent enough account of himself (I’ve tried to fade him twice in that type of bout, against Randy Brown and Matt Semelsberger). He’s clearly going to look much better when he can find finishes, but I think I still expect him to be the more eye-catching fighter if this one is a 15 minute kickboxing affair.
But that’s the problem here…Carlston Harris’ grappling game is the strongest skillset that either man possesses, and it’s whether or not he can get it going that will likely determine who wins this one. Unfortunately, we have only seen Williams taken down twice in the UFC, both times by Michel Pereira (who isn’t even much of a wrestlegrappler himself). To make matters worse, they both came in the 14^th and 15^th minutes of the fight and we barely got to see anything, so they really are low quality examples.
I’ve been watching MMA long enough to know that a guy like Khaos Williams probably isn’t a particularly amazing grappler, but of course that’s still a huge assumption to make. With no knowledge of how Khaos is going to fare working off his back, I really do not think this fight is one that you can have any degree of confidence in. The books had initially lined it around a pick’em, which could well imply that they feel the exact same way. It’s unfortunately a pass from me, because a Williams with great TDD and process on bottom could end up being -300…but white belt Williams could look +300.
How I line this fight: Impossible to line with any confidence, so a pick’em is fine.
Bet or pass: Pass
Prop leans: None

~Angela Hill v Luana Pinheiro~
After chasing it for quite some time, MMA bettors finally managed to catch the fade on Luana Pinheiro. When she entered the UFC she was discredited for her exclusively R1 finishes, with people predicting her cardio would not be up to scratch. Things got worse when she took the coward’s way to a win against Jessica Penne – seemingly blowing her gas and then milking the extent of the damage done from an illegal strike and winning by KO. As we know from the MMA community, doing stuff like that will make you one of the most hated fighters on the roster. She then moved to 2-0 with a split decision win as a favourite against Michelle Waterson…which many people think she lost. Basically, not a very impressive stint in the UFC so far.
Finally she went up against Amanda Ribas, who went on to expose that dodgy cardio of Pinheiro, melting her in the third round with a beautiful wheel kick when Pinheiro was death gassed. Now we know it’s possible, the third round of Pinheiro’s fight against Waterson-Gomez makes a bit more sense, seeing as Waterson took over and clearly won it.
Nothing kills a hype train quicker than realising that a fighter has bad cardio, and it’s safe to say that whatever hype there was on Luana (minimal) is dead…because she’s a +125 underdog to Angela Hill here.
In my opinion, Angela Hill has been an incredibly underrated fighter for such a long time and absolutely deserves her flowers as one of WMMA’s most respected journeywomen. She’s had 24 UFC fights, and she’s still showing up better than fighters much younger than her and doesn’t appear to even be slowing down.
The blueprint on Hill has been pretty clear for some time – if you want to beat her relatively easily, you take her down. Otherwise, you’re going up against technically impressive striker that has the durability, a sneaky bit of power and seemingly limitless cardio to keep you honest. Really, if you manage to have success against Angela Hill on the feet, the best thing you can really hope for is about 55% of dominance (typically where two judges score one way, and another goes the opposite).
As I often say, statistics for MMA are best used when comparing WMMA strikers, and the figures here are quite eye-opening. Hill’s strike differential is vastly superior, and their defensive rates are very close. In short, if they stay on the feet for 15 minutes I think Hill should be expected to out-volume her opponent. When you factor in Pinheiro’s cardio deficiencies, that’s even more likely.
Therefore, Pinheiro has two routes to success here in my opinion – her typical R1 finish, or by going the grappling route. Firstly, Hill has never been finished via (T)KO in 29 professional fights (most of which have come at a high level), so I think it’s fair to say she deserves trust in being able to stay safe. She’s also quite an intelligent fighter, so I assume she’s going to be aware that her success will come in the latter half of the fight.
In terms of the grappling, Pinheiro landed five takedowns in the opening round against Markos, and that’s what forced her to gas out…so I don’t really think she’s going to be comfortable enough to lean on that skillset for 15 minutes straight. Hill is defensively quite sound on the mat as well, so as long as she can avoid getting stuck in a position I think she’ll be fine.
So in short, the only skillset I think Luana Pinheiro deserves credit for at this level is her R1 explosiveness, and Angela Hill is one of the worst opponents to pit that style against. Hill’s last victory proves that, as she survived the early barrage of another R1 finisher and took over in R2/3. I think the exact same mission statement applies here, and I think Angela Hill should definitely be trusted to do that. I’d personally line Hill somewhere like -175 to -200 here, so the -137 available at the time of writing was an easy bet to make. Let’s go Angie! 2u Angela Hill to Win at -137.
How I line this fight: Angela Hill -188 (65%), Luana Pinheiro +188 (35%)
Bet or pass: 2u Angela Hill to Win (-137), 0.25u Angela Hill to Win by Decision (+125 or better)
Prop leans: Hill couldn’t finish her dinner, so the decision prop will be one to look out for.
Live Betting Leans: If Pinheiro wins R1 and goes a bit crazy in trying to find a finish, betting Hill on the stool before R2 is a good move as the cardio fall-off could be live.

~Adrian Yanez vs Vinicius Salvador~
This feels like a weird mismatch and I don’t know why it’s happening.
Adrian Yanez is a classy and technical striker that I feel has become a bit overrated. The fans love him and put him on a pedestal as some sort of elite fighter’s fighter – I get that he’s fun to watch and a good boxer, but I’d argue he’s had more underwhelming performances than good in the UFC. He got styled on by Font and Martinez, was competitive against Davey Grant and lost more minutes than he won against Randy Costa. There’s not much shame in that and I’m not trying to say Yanez is bad, but I don’t think those performances warrant him being regarded as one of the most popular unranked fighters on the roster.
He faces Vinicius Salvador, who looked like an exciting fighter from his DWCS victory, but there was always a suspicion that he would have very little to offer outside of barn burners and very early KOs. The UFC pissed away the chance for a fan-friendly prelim guy by putting him up against two of the scrappiest and most durable guys at Flyweight – Victor Altamirano and CJ Vergara. The path to victory for both men was very clear there, and they grinded out long-distance victories after Salvador had nothing to offer after five minutes.
The UFC should have instantly viewed Salvador the same as they do Trevor Peek. Someone who is hilariously flawed but scrappy and entertaining to watch nonetheless. His striking style is unorthodox and weird, which looks great when he’s the hammer but awful when he’s the nail. Against a fighter as scrappy and technical sound a boxer as Yanez, this obviously seems like a tall order.
But ironically, whilst this is the toughest opponent Salvador has faced so far in his career, it’s probably his most winnable fight too. Yanez will oblige him in providing a war for the fans, which will give Salvador his chance to land that early KO. Yanez also been pieced up twice in a row so durability could also be a bit more questionable. Yes there is a massive gap in technique and overall skill…but one clean right hand can trump all of that, and Yanez can be hit by one.
Yanez is a -350 favourite here, which is a very easy way to put that final nail in the coffin of considering betting him. Whilst I do think he probably deserves to be close to that number in terms of his overall winning probability, it really won’t take much for the tables to turn massively here, so risking -350 seems like a terrible idea.
A bet on Salvador on the return is too ugly to stomach though, because he could also get absolutely styled on. It’s an easy pass all round.
How I line this fight: Adrian Yanez -250 (71%), Vinicius Salvador +250 (29%)
Bet or pass: Pass
Prop leans: FDGTD very likely but doubt the price is at all playable.

~Oumar Sy v Antonio Trocoli~
We’re all jealous of Antonio Trocoli, AKA Mr Mackenzie Dern. I’ve probably got more to say about her than I do about this fight.
I’m obviously not going to do any tape for this fight, so the only thing of note from their records is that Trocoli has regional loses to Dhiego Lima (pre-UFC) and Jacob ‘Christmas’ Volkmann (post-UFC), both of which are pretty concerning losses. He also popped for steroids on DWCS, so who knows how good he actually is when he’s clean.
Sy is a terrifying specimen of a man, with a 9-0 record by KO/SUB/DEC. I suppose this is a good time to remind you that William Knight also looked like a god.
Why would you bet this fight? Just pass and take the info we get here into their next appearances.
How I line this fight: I’d have more confidence in my ability to hook up with Mackenzie Dern than my ability to accurate cap this fight.
Bet or pass: Pass
Prop leans: Over 1.5 Mackenzie Dern sightings (-200)

~Emily Ducote v Vanessa Demopoulos~
Two very middle-of-the-road WMMA fighters that I am quite familiar with.
Demopoulos got to the dance via her grappling and submission ability, but has spent time honing her skills on the feet that she actually seems to have abandoned a grappling based approach entirely, having landed an average of 0.49 takedowns per 15 mins in her UFC/DWCS career so far. On the feet, she’s scrappy and actually does hit kind of hard, but the technique is still very much a work in progress. She makes up for the lack of finesse with pure enthusiasm and grit, and will stay in her opponent’s face and swing until the final bell. She’s also pretty durable too, having never lost by finish in 15 fights with striking that’s that sketchy.
Emily Ducote is kind of the polar opposite. She’s a dedicated striker that has decent enough grappling defence. She has little to no power in her hands, but she’s reliable to rack up decent volume and can keep it up across 15 minutes. She has landed 100+ significant strikes in 3 of her 4 UFC bouts, but she’s also absorbed 100+ in 3 too.
The summary of this one is that Ducote is just the cleaner striker of the two, but I think this -330 price tag is a bit ridiculous. Yes, comparing the stats makes it seem that Ducote will win easily, but Demopoulos has faced quite a few opponents that have wanted to grapple her, and her Strikes landed per minute figures are skewed as a result. Given that Ducote absorbs a similar number to what she lands, I think Demopoulos’ enthusiasm should see her land far more than she has done before. Also, Demopolous’ fight metrics are often inferior to her opponents in all of the fights she loses, so the stats do her a major disservice to how competitive she can be.
I always say that there’s a real ceiling in regards to how much you can favour a striking based WMMA fighter if they have no power or finishing ability. The judges do not score technique, so the 50+ pitter patter punches they land can easily be trumped by any instance where it looks like they get hurt on the return, so in this instance I think Vanessa’s power and forward pressure could be enough to make rounds closer than the odds suggest they should be.
In short, Ducote price is nuts but she should probably win so definitely deserves to be favoured. I wouldn’t bet anything here other than FGTD, which could be a decent parlay piece anywhere less than -400. I’d be interested to see what Ducote by Decision looks like because I do rate Demopolous’ durability and see it going the distance quite frequently…so +100 or better would get my money.
How I line this fight: Emily Ducote -250 (71%), Vanessa Demopoulos +250 (29%)
Bet or pass: 1u Emily Ducote to Win by Decision (+100 or better)
Prop leans: See above

~Ramiz Brahimaj v Themba Gorimbo~
Stylistically this is a very funny fight, because it’s between two guys whose strengths and weaknesses are exactly the same. They’re both aggressive grapplers with average to bad striking, and they’ll hunt for the finish from the opening bell…and fall off a cliff at the halfway point if they can’t find it.
Themba Gorimbo is unfortunately completely unbettable at this stage in his career, I think. He’s obviously got this narrative with The Rock going on, and it’s somehow managed to turn him from a sub-par, barely UFC quality fighter that can’t beat AJ Fletcher, to someone whose fame actually manages to transcend MMA a little bit. Just goes to show how important those post-fight interviews can be! That popularity obviously swells his betting line as he’s likely to garner more money and attention from bettors, whereas Brahimaj is a nobody unless you’re a hardcore with a good memory. Couple that with the fact Themba’s style is not sustainable across 15 minutes, and you’ve got a fighter with a very limited path to victory that you can rely on, who comes with an eye-watering price tag.
Whilst Brahimaj’s betting line would lean towards the value side due to Thema’s popularity, this is the first time we have seen him compete in over two years. He was a fighter that came in during COVID times, and immediately got thrown into the deep end when matchmaking was difficult. I bet Max Griffin against him due to Max’s durability (IE my bet was ‘Max to survive and turn the tables’), and it resulted in Griffin slicing Ramiz’s ear in half with an elbow (one of the more gruesome moments we have ever seen in the cage). Ramiz managed to hit is PTV against Micheal Gillmore (the runt of the litter in a season of TUF who had no right competing in the UFC. The only interesting thing about him was that his parents couldn’t even spell his own name ), as well as Sasha Palatnikov. When facing a veteran grappler like Court McGee, I also won a bet backing the experience and durability of a guy like Court (which is ironic given I’ve bet on Court to be KO’d in his last two).
So basically, my summary here is that Thembo deserves to be favoured simply by being more proven and in the better recent form. He’s got good enough grappling all round to be able to stop Ramiz from being so dominant as a round one buzzsaw, and unless Brahimaj has made some major changes in the two years off, Themba’s probably got the slightly superior cardio (by a bit) and therefore should still be around once his opponent fades.
The -275 betting line is absurd though, as I mentioned earlier, because there’s a likelihood that Themba gasses out himself too, and it could easily be Brahimaj that’s fresher in the latter stages, should we get there. Therefore, it’s a very easy pass. I will take a look at the round props as there could potentially be an angle on some sort of combination, but we will see.
How I line this fight: Themba Gorimbo -200 (67%), Ramiz Brahimaj +200 (33%)
Bet or pass: Fight to End in Rounds 2 or 3 (price dependent), or something like that
Prop leans: See above

~Tom Nolan v Victor Martinez~
I’m bored of saying it, but Jesus Christ the calibre of a ‘UFC Fighter’ is just so low these days. Tom Nolan just got knocked out in 63 seconds as a -350 favourite to Nikolas Motta (shoutout to me for sort of predicting that), and Victor Martinez’s UFC debut saw him get knocked out cold by JORDAN LEAVITT.
So what do you do, bet at -350 on an unproven fighter who shat the bed at the exact same price tag last time? Or trust a guy who got put to sleep by the hands of Jordan Leavitt?
Obviously, you pass. If I see a single parlay screenshot with Nolan in it this weekend I will lose all hope.
How I line this fight: I like my chances of pulling Mackenzie Dern for a second time, more than I like my chances of lining this fight accurately.
Bet or pass: Pass
Prop leans: See above

~Abus Magomedov v Warlley Alves~
Abus Magomedov needs to fire his manager. He started off his UFC career with a highlight reel KO inside 20 seconds, and had the world at his feet. Then he gets a main event spot against Sean Strickland. Fair enough taking an opportunity, but trying to speed run the rankings is a terrible idea when you consider all they want to do these days is play monopoly and generate stars. It’s much better to KO bums in the prelims and get paid a 50k bonus a few times than do what he did against Strickland…because look who he got for his third fight after losing in embarrassing fashion - Caio Borralho, who is lowkey one of the best prospects in the UFC at the moment in my opinion. Abus basically went from prospect to fodder when he lost to Strickland, and I wouldn’t expect him to stick around in the UFC for too much longer if he doesn’t start delivering early KOs again.
He should be able to get the better of Warlley Alves though. Alves looks hella old and shopworn, despite only being 33 years old somehow. He has ridden the coattails of having a win against Colby Covington on his record for his entire career, because he’s done nothing remarkable with it since. His loss to James Krause was the fight where it was apparent Alves was on the decline, and a ‘loser leaves town’ win against the equally old and frail Sergio Moraes was the only thing keeping him afloat. He scored a shock upset KO via body kicks against Mounir Lazzez (who turned out to be a bit of a fraud anyway), but the writing has been on the wall for Warlley for some time. Fast forward a few years and he's on a threefight losing streak again, having been beaten down pretty badly and finished in under 1.5 rounds in four of his last five losses.
That’s a key piece of info for this one, because we know Abus’ limitations revolve around him being a great early fighter with terrible and unsustainable levels of cardio. When looking at Abus’ fights, you need to decipher the chances of him winning early, and that will explain the rest.
Given Alves’ frailty, I think this is a pretty generous fight for Magomedov – possibly the most appropriate and tailor-made matchup they could have found for him!
His winning probability relies heavily on doing work early, so naturally betting Abus R1/2 KO would be the obvious go to. I’m not sure there will be any value on that prop though, because it’s a pretty obvious angle that everyone’s going to try and take. However, I’ve long known that Bet365’s Bet Builder product is broken when combining Winner + Total Rounds, especially before they release the rest of the props as it’s completely out of context…so Backing Abus to Win and Under 1.5 Rounds at the right time could produce a valuable price before it gets corrected. That’s all I’ll be looking to play for this fight, assuming those early Abus props are rubbish. Be careful what price is available if you’re considering this, it’s going to be much shorter than normal and it’s a very limited window to be betting on.
How I line this fight: Abus Magomedov -250 (71%), Warlley Alves +250 (29%)
Bet or pass: Abus Magomedov to Win & Under 1.5 Rounds (+125 or better)
Prop leans: See Above
Live Betting Leans: I’d take a look at Alves on the stool after R1, but I don’t think I could trust him really.

~Piera Rodriguez v Ariane Carnelossi~
Ariane Carnelossi returns after two years on the sidelines. I’ve always jokingly been a fan of her, because that fight against Na Liang (the first UFC Fight back with fans after COVID) was genuinely one of the highlights of 2021 and it was such a fun fight with a crazy energy. Also helps that I bet her heavily in that.
Carnelossi’s a decent striker that actually hung with Angela Hill back in the day, but her wrestling defence is a clear weak point. She got absolutely ragdolled in one of the best UFC performances I can remember when she faced Loopy Godinez, and even Na Liang had some success in that opening round. She’s not a fish off her back or anything, but if you can’t defend takedowns and your opponent has the cardio and ability to chain takedowns together…you’re going to struggle.
Piera Rodriguez is a pretty well-rounded fighter, she’s decent enough in the striking realm and has a diverse arsenal with kicks and a whole lot of feints, but she’s also a decent enough grappler that can commit to that multiple takedown approach. She’s landed three or more in each of her UFC/DWCS victories and just generally does a good job of showcasing herself to be a well-rounded mixed martial artist. My biggest criticism of her is that she does look to have slight signs of bad cardio, as her third rounds against both Hughes and Hansen were a bit laboured and slow.
So initially this fight was lined as a clear pick’em, which I didn’t agree with at all. Whilst Carnelossi should be able to show some competitiveness, her inability to defend takedowns should see her on the back foot for a fair bit of this fight, and her desire to land the knockout with every punch she throws could even see her lose moments on the feet to Piera’s kicking game and more technical style. Carnelossi does have a bit of a cardio advantage though, which Piera will have to navigate, but other than that I think the Venezuelan should be given the nod as a moderate favourite, probably around -175. Considering I got Piera at -120, I thought that was worthy of a 2u bet. If the line continues to move though, I may arb out as I think -175 is a very fair number.
How I line this fight: Piera Rodriguez -175 (64%), Ariane Carnelossi +175 (36%)
Bet or pass: 2u Piera Rodriguez to Win (-120)
Prop leans: Probably a decision win for Piera, Carnelossi is dedicated and Piera not much of a finisher.

~Alatengheili v Kleydson Rodrigues~
I write the same synopsis for Alatengheili because the guy never changes. Here’s a paragraph from his last fight that I wrote:
Alatengheili is one of the most frustrating talents I’ve seen in MMA in recent years. He was once the number three freestyle wrestler in China and looks to actually have a really promising wrestling game…but he just doesn’t fight like it! In his UFC debut, he faced a clearly superior striker and waited until round 3 to start shooting religiously (no attempts in R1 or 2, 7 attempts in R3). After that, he did exactly the same again in a split decision win against Ryan Benoit (1 TD attempt in R1, none in R2, and 12 in R3). He then faced Casey Kenny, who is a great defensive grappler…and decided not to attempt a takedown. Then he faced Gustavo Lopez, who took HIM down three times from eight attempts, and none from Alatenheili. He went on to beat Kevin Croom in under a minute on the feet, then went back to his regular style of waiting until R3 for takedowns when he beat Chad Anheliger. In the Gutierrez fight that followed, he attempted four takedowns and landed two. These all came in – you guessed it- round three.
So I think it’s fair to assume that we can’t call Alatengheili much of a wrestler anymore. When he’s striking on the feet, he’s clearly got some power in a big wind up shot, but other than that it’s quite flat footed and low volume stuff. Those aren’t particularly good qualities, as he’s hardly demonstrating a clear killer instinct that makes up for bad minute winning fundamentals.
Kleydson Rodrigues is a guy I was quite excited about when he got to the UFC. He looked great on DWCS, but immediately had a tough test against CJ Vergara in his debut. I do personally think he won that fight, but CJ’s pace, pressure and tenacity got the better of him down the stretch and made that fight close. He returned and obliterated Shannon Ross, before being steamrolled on the mat by Farid Basharat. A real mixed bag of results, overall.
The thing is, I don’t exactly think that the losses Rodrigues suffered are directly relevant here, as Farid’s topside grappling is way way better than Alateng’s. The Mongolian also doesn’t have the forward pressure or pace of CJ Vergara, due to how flat footed he is.
On the flipside, Alatengheili has struggled against fighters who technically outclass him on the feet, or those with good takedown defence. The Mongolian has proven to be a tough fighter to put away, which should give him a chance to take over at the midway point.
Comparatively, I think Kleydson Rodrigues has shown himself to be a higher calibre striker than Alatenheili, and clearly the more diverse one. Kleydson also throws a lot of low kicks, which are a key weapon when trying to nullify the grappling threat of the already flat footed power puncher.
In conclusion, I just think Kleydson Rodrigues outclasses Alatengheili in the striking, whereas I don’t think the Mongolian outclasses him anywhere on the return. The Mongolian has proven he is keen to stay on the feet for the majority of fights, which should leave the door wide open for Kleydson to win minutes. The cardio advantage does lie with Alateng, but I don’t think he pushes enough of a pace in the grappling or striking department to make Kleydson fade like he did against CJ (who is one of the more suffocating guys in the division). Also, Alateng’s grappling threat in R3 may well be nullified by the 10 minutes of leg kick investment that Kleydson has already made.
So as you can probably tell, I favour Kleydson Rodrigues in this one. I personally thought he should be a -200 favourite, so I was expecting to pass on this one…but it looks like the BetOnline moneyline is moving towards -150. For some strange reason the fight is barely available in the UK for now, but I’m hoping that -150 would be available for me to bet for 2u.
How I line this fight: Kleydson Rodrigues -200 (67%), Alatengheili +200 (33%)
Bet or pass: 2u Kleydson Rodrigues to Win (-160 or better)
Prop leans: None
Live Betting Leans: If it’s 1-1 going into the third and there’s been a pace…I’d recommend betting Alatengheili.

~Tamires Vidal v Melissa Gatto~
Melissa Gatto is a competent and well-rounded fighter. She went to competitive decisions with Tracey Cortez and Ariane Lipski. She is UFC quality.
Tamires Vidal is a plodding fighter that doesn’t appear to be very good at defensive grappling. She went to a competitive decision against Montserrat Rendon. She is not UFC quality.
Gatto is -400. It’s a very steep price to pay but I don’t think it’s too far off where it ought to be – she should be able to point strike on the feet and have very decent grappling success, where she can definitely fish for a submisison. I’d be interested in seeing what the price on Gatto by Submission is though, so I may be looking to play that.
How I line this fight: Tamires Vidal +300 (25%), Melissa Gatto -300 (75%)
Bet or pass: Xu Melissa Gatto to Win by Submission (+300 or better)
Prop leans: See above

Bets (Bold = been placed)
2u Edson Barboza to Win (+130)
2u Angela Hill to Win (-137)
2u Piera Rodriguez to Win (-120)
2u Kleydson Rodrigues to Win (-150)
Xu Emily Ducote to Win by Decision (+100 or better)
2u Abus Magomedov to Win & Under 1.5 Rounds (+130)
Xu Melissa Gatto to Win by Submmission (+300 or better)
0.25u Parlay Pieces (+699)
Parlay Pieces: Angela Hill, Emily Ducote, Abus Magomedov, Kleydson Rodgriguez, Melissa Gatto
Dog of the Week: Edson Barboza

How can I improve my profile over the summer break? I got rejected by all summer programs so I’m wondering what I can do to improve my profile by a last bit. I would only go to the US if I can get in T15 universities in the US (because I can just go to Canadian universities otherwise).
Here is my current profile:
Demographics: Asian male, Canadian citizen.
Academics:
SAT: awaiting scoring. Definitely getting 1500+. I already registered for June and August to make sure that I will get 1550+.
6 AP: AP CSA – 5, AP Physics i – 5, APUSH – 5, AP statistics – 5, AP Physics ii – ?, AP Calculus BC – ?.
GPA: 98.1%. Although my school doesn’t have a class rank, I’m 100% confident that this is definitely among the top 3 highest GPA at my school.
Awards:
USACO platinum
Got 135 on AMC 12, 9 on AIME I
Qualified for Canadian Mathematics Olympiad (~top 80 in Canada).
Got on honour roll for Canadian Computing Competition (CCC)
59th place out of 27000+ participants (scored 94) on Euclid Mathematics Competition
Extracurriculars:

1. Video editing: made video edits for anime and movies and got in total 650 subscribers, 400,000 views, and 30,000 likes. (G9-present)
   
2. Made a popular mod for a historical simulation game; got 9000 subscribers on Steam. (g10-present)
   
3. FoundePresident of a school history club (g10-present)
   
4. Exec/President of math club (g11-present): hosted and organized routine test prep sessions and math help hours for all students. (Every time around 40 students attends/at least 320 people have attended the math help sessions before)
   
5. Founded a NPO for anti-bullying. Hosted fundraisers and donated money to Bullying Canada (g10-present).
   
6. Starting a business of selling billiard cues made in Canada to China. Made like 16000 Chinese yuan.
   
7. Attended Engineering Summer Academy at UPenn, got A+ in the program. Got rejected by all math camps this year :sob:
   
8. Tutoring; tutored competitive programming in g10 and math in g11.
   
9. Did a research with a MIT Professor. Published a research paper that analyzes student’s willingness to major in computer science using a machine learning model in a NOT very prestigious journal. (I did get a recommendation letter, but it’s pretty mediocre).
   
10. Some minor extracurriculars. Member of philosophy club and student council. Did not hold any executive position.
    

DISCLAIMER: I'd like to note that I do not consider myself an expert on many of the topics he talks about or even economics in general but a lot of what I'm about to say is pretty easily verifiable and basic, and I'll try to be clear that I'm expressing my opinion and not fact when I'm doing so. Given my lack of expertise, none of what I say here should be considered as the final authority on these topics, it's a reddit post for fucks sake, I encourage everyone to search up the relevant data and information on the topics they are interested in or claims they find dubious. It's really not that hard and all the links and data I'm gonna cite here took me less than five minutes to find for each piece of information. If you're not familiar with where to find this data it might take you longer but I promise that anyone with access to the internet can do the same thing I'm doing. Finally, for those looking for some opinionless, academic argument, that's not what this is, this is gonna sound like a rant because it is, I'm posting this for nothing more than my own satisfaction, take from it what you will.
Ok I'm writing this after I finished the whole thing and I said that I'd try to be clear that I'm expressing my opinion and not fact when I'm doing so and the basically entire second half of this is my opinion and I don't make that very clear so sorry about that.
Honestly I'd love to be wrong because I really do think that younger people are at a disadvantage compared to previous generations at the same age but the arguments he makes and the data he uses throughout his talk just sound like such bullshit to me.
https://www.ted.com/talks/scott\_galloway\_how\_the\_us\_is\_destroying\_young\_people\_s\_future?
https://www.profgalloway.com/war-on-the-young/
Scott Galloway recently did a Ted talk titled "How the US is destroying young people's future", as well as an accompanying blog post. He's made some fair points about how young people have been put at an inherent disadvantage and that they have it harder than previous generations. That's most likely true and I personally support that point of view, but the a lot data and numbers he makes this argument with seem to be cherry picked, misleading, or just straight up wrong. So let's break his talk down. u/JustTaxLandLol made a pretty good post about him comparing median wages to the S&P500 (https://www.reddit.com/badeconomics/comments/1cc3rs8/scott\_galloway\_compares\_median\_wage\_to\_sp500/) but I think that Galloway's mistakes are much more comprehensive than just that particular slide.
The first slide with data makes a claim about how pre-tax income, adjusted for inflation, has decreased across generations from grandparents to parents to kids, and that cost of public colleges and home prices have increased significantly across generations too. First of all, categorising generations by whether they have children or grandchildren is kinda nuts. That's a very wide, overlapping, range of ages. If he has actually fixed age ranges for each generation that don't overlap and just made these categorisations for the sake of understandability to a nonacademic audience, I still think that's the wrong choice but fine. However, his claim that real income has decreased across generations is weak at best. This working paper (https://www.federalreserve.gov/econres/feds/files/2024007pap.pdf) from the Fed Reserve was published February 2024, and from the figures that start at page 35, shows that by almost every categorisation they could think of, GenZ earns more at the same age than every previous generation before them. There's some conflict here with Raj Chetty's work but I don't have the time or knowledge to reconcile the two perspectives but at best, the pre-tax income numbers Galloway presents are questionable at best. Furthermore, he doesn't provide anyone a chance at even checking the sources he gets this information from. Not once in his entire talk does he cite a single source. He couldn't even have some tiny text at the bottom of his tables or diagrams saying what organisation he got this data from. Ok so that crossed out bit is wrong, he does have sources they're just very very faint and you can see them if you squint hard enough at the bottom left corner of his graphs. But the source he gives for this slide is a joke. Here's the link https://www.profgalloway.com/wp-content/uploads/2024/04/Table-01.png
His "source" is his own analysis. Ok so by his analysis, the average cost of public college is 56000*0.43 = 24080. I'm gonna use numbers from this US News page (https://www.usnews.com/education/best-colleges/paying-for-college/articles/paying-for-college-infographic), which might not be the most reliable source in the world, but it's probably somewhere in the ballpark. So according to US News, average tuition for the 2023-2024 school year for out of state students going to a public school is 23,630 and 10,662 for in state students. If these numbers are anywhere near accurate, the only conclusion I can draw is that Galloway has cherry-picked his data by only including the cost for out of state students in his analysis. First of all, public schools in the US are there to provide affordable access to higher education FOR RESIDENTS OF ITS STATE. Using only out of state numbers is absolutely ridiculous. Secondly, even if he used only the in state numbers, 10662/56000 is approximately equal to 19%. So if I use his very very questionable pre-tax income numbers, cost of public college for in state students has still increased across his categorisation of generations. It's not like his point would have been invalidated if he had used the in-state numbers, a trend of tuition increasing as a percentage of real income across multiple generations is still very bad. This is my opinion but I guess that he just wanted to find a nice shocking number. I didn't catch this but in their post, u/JustTaxLandLol notes that later on Galloway says "real median income from labor is up 40% since 1974" so he's also contradicting himself in the same talk.
I couldn't be bothered to look into the house price to income column he has so I don't have any comments on that.
His next slide is a point about how the percentage of 30 year olds earning more than their parents did at 30 has been decreasing very significantly over time. This is from a paper in 2016 by Raj Chetty (link: https://www.science.org/doi/10.1126/science.aal4617). I've seen some counterarguments about the methods used in the paper but there are counterarguments for basically every inequality paper in existence so I'd take them with a grain of salt. Those points are more complex than the scope of this post and I lack the expertise to be making them anyways so I believe this slide. I'll admit that Galloway makes a good argument for this slide.
Right after this slide he says "As a result, people over the age of 55 feel pretty good about America, but less than one in five people under the age of 34 feel very good about America. This creates an incendiary, righteous movement...". He supports this with data on the percentage of US adults who feel "extremely proud" to be American.
Before I talk about the data on this slide, I'd like to be a little anal about things and pick apart his wording and causal claims he makes. When Galloway says "as a result" he's making a causal claim about the relationship between a young person's earning ability and their national pride. Leaving aside the econometric issues of making random causal claims, this is a ridiculous marginalisation of all the other critically important issues in the US. It seems pretty clear to me that reduced national pride amongst younger individuals is a combination of a lack of social mobility (or however you want to word your version of the fading American dream), the continued existence of systematic racism and sexism, US response to ongoing conflicts in Ukraine and Gaza, bodily autonomy (abortion), and many other issues. Not to say that the economic disadvantages of young people doesn't play a role in causing this lack of national pride but come on. He also says "this creates an incendiary righteous movement...". Ok if the "as a result" from the last sentence could be interpreted as the economic disadvantages of young people play some part in their dissatisfaction with the government, it should be obvious to anyone not living under a rock that many of the political conflicts and movements that have erupted in the US over the past few years have little, if anything, to do with earning ability. In the slide after the poll data he shows three photos, one of a MeToo protest, one of a BLM protest, and another of a pro-Palestine protest. I can only interpret this as him making the claim that the younger generations economic difficulties are causally linked to those movements, which is totally bananas.
Now lets talk about the data. He got this from the Gallup polls (link: https://news.gallup.com/poll/394202/record-low-extremely-proud-american.aspx, there's a link to download the pdf with the poll numbers at the end of this article). There are 5 options for the Gallup poll: "Extremely proud"; "Very proud"; "Moderately proud"; "Only a little proud"; or "Not at all proud". So Galloway is cherry-picking again. To be fair, it's true that even including the rest of the answers, a quick glance at the data suggests (very strongly) that young people are less proud than older people. There are also more young people who choose "Not at all proud" (11% for 18-34 and 1% for 55+). Though there is probably some argument to be made about whether "extreme" pride is a good thing. Furthermore, "pretty good" and "very good" do not reflect the extremity of choosing, well, the most extreme option.
As an introduction to his next slide he says that "a decent proxy for how much we value youth labor is minimum wage". I've never heard of this before and am very very skeptical but I'm willing to attribute this to my own ignorance so I'll leave that sentence alone. So on this slide there's a graph with two lines, one is minimum wage across time adjusted for inflation, the other is whats supposed to be minimum wage if adjusted for productivity (also adjusted to inflation I assume). Galloway got this data form the Economic Policy Institute (EPI) (https://www.epi.org/productivity-pay-gap/), which shows that this gap between productivity began around 1979. This was when Carter was president and right before the Reagan administration. Those who know about the economic history of this time probably won't be surprised since a lot of the policies of this time were rather inegalitarian and heavily favoured the wealthy. I agree that many of the policies of the time contributed heavily to the inequality America faces today and though I haven't read any studies about how this affects minimum wage workers, I believe that minimum wage workers or low income workers in general today have significantly lower purchasing power relative to a few decades ago.
What I have a problem with here is the idea that productivity and minimum wage should increase in tandem. According to the EPI, "Productivity measures how much total economywide income is generated (i.e., for workers, business owners, landlords, and everybody else together) in an average hour of work" and "pay is defined as the average compensation (wages and benefits) of production and nonsupervisory workers. The pay for this group is one appropriate benchmark for 'typical worker pay' because production and nonsupervisory workers have made up roughly 80% of the U.S. workforce over the entire period shown in the figure and because the data for production and nonsupervisory workers exclude extremely highly paid managerial workers like CEOs and other corporate executives". Before I try to break down my complaints with the measures used, my immediate reaction when I saw this was that it seems rather stupid to compare the relationship between average productivity and minimum wage in an industrial economy against the same relationship in a service oriented one. There are just more jobs now that let you make an impact on the economy far beyond what you are paid and it is so so difficult to quantify this change. Using a similar argument, I really have no clue how macro people make models or do estimates for things like productivity but I'm quite skeptical about the reliability of using such a measure of productivity because of the increased prevalence of second, third, or n-th order effects that would be present in a measure of something like total gdp but pretty much impossible to identify for any employer. For those who want to read more about this difference between productivity and compensation I think this is the most relevant paper from EPI (https://files.epi.org/2015/understanding-productivity-pay-divergence-final.pdf). There are some points I'm not satisfied with in this paper like them attributing the entirety of the difference between median hourly compensation to average consumer hourly compensation but that would take more time than I want to spend on this.
Now we're still on the same slide. Galloway says "we've kept it [minimum wage] purposely pretty low" twice in three sentences. Now he's suggesting that there's some collective out there that has the political power and desire to keep minimum wage low. By "we" I think he means to suggest that the old-timers have banded together to screw the young people over. Ok buddy. I'm stepping outside the bounds of what's considered strictly economics here a little but pinning the injustices of society on some ethereal enemy whose existence can never be disproven is the same as taking "advantage of the flaws in our species with medieval institutions, Paleolithic instincts, and godlike technology" (Galloway's words, same TED talk) to me. Maybe there really is some cabal of scheming geezers out there who have some twisted desire to keep the minimum wage low, but I'm more inclined to believe that a lot of these "injustices" are a result of our existing political and societal institutions being poor and inefficient aggregators of our desires as a society, rewarding selfishness instead of cooperation. This certainly makes the problem harder to solve than if there were just some evil 'others' we could get rid of and be done with. Having a target to direct our outrage at, believing that I am good and they are bad, is easier than facing the reality that everyone is born with the selfishness that creates the injustices we live with but that's not gonna make people more agreeable. As an economist, I study the theory of incentives to use the same human selfishness that creates all the problems Galloway talks about to create solutions that hopefully improve our quality of life. This is what I believe is the beauty of being human, all the good and bad that happens stem from the same desires, it is our job to create institutions and systems that allow us to channel our desires in a way that benefits everyone, but I digress. The point is, this enemy that Galloway creates is an effective tactic at convincing people of his argument, but I don't believe such a perspective benefits society at all. Mistakes should be corrected, that doesn't mean they're always the result of ill intentions.
His next slide compares the difference between percentage increase in median household income against percentage increase in median home price, as well as a comparison of the median monthly mortgage between 2019 and 2024. I have nothing to say about the graph, I agree that over time, home prices have increased to an unacceptable level. The Fed funds rate went from 2.4 percent in Feb 2019 to 5.33 percent in Feb 2024 (https://fred.stlouisfed.org/series/fedfunds). To his credit, Galloway does attribute this increase in mortgage payments to "an acceleration in interest rates" but what's the alternative? Don't increase interest rates? Then if I was Galloway I'd make the same TED talk and talk about how the continued low interest rates contributed to rampant inflation that made all the poor people even poorer. It seems like he's decided to take whatever bad economic event that seems somewhat relevant and made it to be the result of some group's dogged determination to keep the younger generation down. Why is the increase from pre- to post-covid prices on anything surprising. I'd like to meet the genius who saw covid coming and intentionally created this increase in home prices.
He also says "the most expensive homes in the world, based on this metric, are number three, Vancouver. Why? Because 60 percent of the cost of building a home goes to permits...". I have no idea what point he's making here. Based on what metric, median home price? Monthly mortgage payments? Why do I care about Vancouver, a Canadian city, being number three? Then he talks about how "the incumbents that own assets have weaponized government". Either he's switched to talking about oligopolistic lobbyists in general without saying so or he's still talking about Canada. I dunno. Someone please explain. Then he says "this is the transfer I'm going to be speaking about". Also, everything he just said is talking about how there exists a group of people trying to PREVENT transfers of wealth to new entrants. And there was huge applause after that sentence. Nutsos, all of them.
Ok next slide. Galloway presents two pie charts, comparing the share of household wealth by age in 1989 to 2023. So he's talking directly about inequality in wealth now. Inequality in the US is really really bad, that's a fact. I'm a big fan of the work of Emmanuel Saez, Gabriel Zucman, and Thomas Piketty. These people have been at the forefront of research on inequality for many years now and though their work is not flawless, I'm convinced by the data they present and the methods by which they have aggregated the data and what they show is that inequality is worse than even what the pie charts Galloway presents suggest. However, this is not to say that Galloway makes a valid argument. Please note the grey bits in the pie chart. If Galloway has shown the numbers for everyone under 40 and above 70, the group that's excluded are those between 40 and 70. So those in the age range of 40-70 owned 100 - 19 - 12 = 69% of household wealth in 1989 and 100 - 30 - 7 = 63% in 2023. I could probably go and find how the age demographics of the population have changed over time and I think that with declining birth rates, the percentage change in age demographics would be pretty close to the percentage change in household wealth but I'm tired of beating every slide to death so I'll leave that to someone else if anyone's motivated enough to do that (if my hypothesis is wrong here just comment and I'll make that change). My first thought when I saw this though was again, this guy has paid no regard to structural change in society. Given the increased accessibility of buying stocks over the past three decades is it really that surprising that older people who have had more time and cash at the start of the digital age to invest in companies that are now massive mega-corporations have experienced a higher return on their capital. This is not to say that none of this change in the share of wealth held by those under 40 is due to some inherent unfairness in our society and I have neither the time nor knowledge to separate these effects out but to say that this was a "purposeful" effort to cut their wealth in half is complete and utter bullshit. Also, this guy makes another causal claim WITH NOTHING BUT A CHANGE IN SHARE OF HOUSEHOLD WEALTH. Congratulations everyone Scott Galloway has just made every econometrician in the world redundant, I always knew my professors were just trying to confuse me with funny symbols and Greek letters, someone get this guy a Nobel Prize.
Then while introducing his next slide Galloway says that his analyst's presence in the audience "brings the average age of the entire conference down in 11 days". So he's saying that TED knows exactly who's showing up to their event before it happens and that they have the exact birthdates of everyone in the audience too and that they've given this information to one of their speakers. A friend of mine has told me he's just making a joke and that I should let this point go because I'm being too anal about things but yeah I become anal about things when someone suggests sweeping institutional changes in a talk viewed by millions of people so thought I'd include it anyways just as another example of the bullshit this guy has been spewing.
When he moves on to the actual content in the slide the first point he makes is about lower acceptance rates in schools. So I don't have data on this because I couldn't be bothered to go find any so again, I'll change my statement if anyone has reliable data indicating otherwise but I think its pretty safe to say that way less people used to apply than before and combined with an increase in international student applications and enrollments the competition is just way higher than before. The most obvious explanation would be that higher education institutions have made the mistake of not increasing enrollments at a rate quick enough to meet demand. However, according to US News (https://www.usnews.com/education/best-colleges/articles/how-many-universities-are-in-the-us-and-why-that-number-is-changing) there were 3982 degree-granting postsecondary institutions in the US. and UCLA is ranked 15th in national universities. So why is it surprising now that university education is becoming more popular that higher ranked universities are harder to get into. So instead of expanding enrollment I think that a well thought out plan of affirmative action would be a much better option of giving "unremarkable kids and giving them a shot at being remarkable" (what this well thought out plan may be I don't know, I honestly didn't even search up any statistics about affirmative action this was just the first solution I thought of that didn't involve ignoring the crowning achievement of statistics). To his credit, Galloway does include a point about income-based affirmative action at the end of his talk, though he overwhelmingly emphasises increasing enrollment in schools. I don't have any data about that but I think that class sizes at public universities are large enough as it is.
The rest of the slide gives numbers on college debt of house price compared to first year income. College debt is ridiculously high and many people struggle because of it. I don't have the solution and neither does Galloway because he doesn't really mention it. I think that house price-to-first year income is a poor comparison because it doesn't take into account average rate of income increase and no normal person from any generation is looking to buy a house with first year income but there's probably a more appropriate metric out there that shows a similar change anyways so I'm ok with that.
Then he talks about him and his "colleagues" who "artificially constrain supply to create aspiration and scarcity". I would like to meet the professors who have control over enrollment rates because none of mine did. Then he says "to my colleagues in higher ed: we're public servants, not fucking Chanel bags". The marketing professor from NYU says he's a public servant...ok.
The slide after that compares Harvard's increase in endowment compared to their increase in enrollment and he calls them a "hedge fund offering classes". I see no issue with this point, he made a great argument, can't really criticise anything here.
Don't worry though he makes up for it by immediately making one of the most egregious statements in this whole talk. We're looking at his next slide, the one titled "Grand Bargain" now. He says that the government should take some of the money that's supposed to be used to forgive existing loans to about 500 of the top public universities to reduce tuition by 2% and year, expand enrollments by 6% a year, and increase vocational programs to 20% of the degrees granted. Then the slide after that, claims this will double freshman seats and cut costs in half in just 10 years. Ok so he thinks that most of the money "earmarked to bail out the one third of people that got to go to college on the backs of the two thirds that didn't" should go to future students instead because, I assume from the tone of his words, he doesn't think they need or deserve all that loan forgiveness. So why bring up the increase in college debt previously (the slide I talked about three paragraphs ago)? Anyways that's not the crazy thing. Let's see what happens if you reduce tuition by 2% a year for 10 years. So the calculation goes like this 0.98^{10} is approximately equal to 0.81. So with the number he puts up, tuition decreases by 19% in ten years. If everything before this slide could be attributed to cherry-picking, stupidity, or lack of good data, then fine he's just ignorant even though he shouldn't have been if he went up there to make that talk. But now this is just a FUCKING BAREFACED LIE. I cannot think of a greater insult to the audience's intelligence than the fact that this guy didn't think anyone would pull out a fucking calculator and do the calculation themselves. I won't blame the audience for not saying anything because I'm not sure I would have wanted to do that either but at least from youtube and reddit comments there are a decent number of people who didn't realise this. A similar calculation shows that expanding enrollment by 6% per year increases seats by about 80% total (1.06^{10}). Not sure how that translates in terms of freshman seats but at least this is closer than the tuition claim.
Then his next slide compares wages to the s&p500. This is the point of u/JustTaxLandLol's post and I think his post and the discussion in the comments covers most if not all of my thoughts so you can just read that. https://www.reddit.com/badeconomics/comments/1cc3rs8/scott_galloway_compares_median_wage_to_sp500/
Ok next slide, "The Transfer: Purposeful". Oh yay he's about to make another causal claim with nothing but a graph on the change in top marginal tax rates for corporations and individuals. And if we skip ahead to the next slide we'll realise that this claim is that the gradual decrease in top marginal tax rates for corporations and individuals results in lowered senior poverty and child poverty either remains constant or increases. Yes everybody the newest advancement in economic research has just been released. Lowering top tax rates decreases senior poverty and increases child poverty. And Scott Galloway made that argument in 24 seconds (transcript on TED website has time markers).
Man I really set out with the intention to keep the tone of this post as neutral as I could but I'm just writing out my internal dialogue with less swearing now. I apologise to those who would have preferred a more careful and less emotional knee-jerk response of an analysis but this is a reddit post, its not like there are standards.
Now he moves on to talking about social security. Galloway says "it would cost 11 billion dollars to expand the child tax credit. But that gets stripped out of the infrastructure bill". So zero explanation about why it would cost 11 billion dollars to expand the child tax credit, why not more or less, no comment about how many children it would affect, how much money it would mean for each child or family, just some number that you have to accept. Most of the time there's no why to the amount of funding that the government allocates to policies but at least there's some breakdown to how its going to be used, Galloway doesn't even have that. This is before we even consider the fact that child tax credit was expanded this year (https://www.cbsnews.com/news/child-tax-credit-2024-who-qualifies/). Maybe he's talking about some other issue that I'm not aware of but I don't think so. He says he got the social security spending data from the Center on Budget and Policy Priorities, which is a think tank. I don't want to sort through their website to fact check so I'll accept it as the truth but as far as I know the actual social security administration releases their facts and figures for the year August of next year so I'm not sure why he didn't just use the 2022 numbers from a more reliable source.
His next few couple slides are about the increasing age of politicians. I think this is a great point but he probably should have used a better example of a younger politician than Justin Trudeau.
Then at around the 10 minute mark, using his slide titled "Generational Theft", Galloway claims that "we pumped the economy" during covid so that the Nasdaq would gain value, causing "intergenerational theft". I don't know if he thinks it was intentional or not but how is he going to completely ignore the fact that the stimulus checks were primarily for households that were struggling due to the greatest unemployment rate we have seen in our lifetime (https://www.pewresearch.org/short-reads/2020/06/11/unemployment-rose-higher-in-three-months-of-covid-19-than-it-did-in-two-years-of-the-great-recession/). I'm really kind of tired of this so I'll let those at the CBR make my argument for me. "Within the first 10 days, households spent an average of 29 cents from every dollar received. The bulk of this spending was on food, rent, and bills" (https://www.chicagobooth.edu/review/how-effective-were-stimulus-checks-us). Damn so turns out struggling families did need these stimulus checks pretty urgently. Shocker. I also think that most people in finance would agree that tech stocks surged over covid because people needed fucking technology... People built PCs to play video games, used online shopping services because they couldn't go to malls, all that.
The next slide is supposed to support his point that the increase in stock prices doesn't allow young people to find "disruption". What. The only thing that matters to any investor is the percentage increase in value of the stock price after you've invested. It doesn't matter if 7 dollars is 1 share of apple or 0.04 of a share of apple. Its stock price going up by 100% means you get 14 dollars either way. I think this guy's arguments are getting dumber as the talk goes on, I actually had to go and find data to refute his points earlier on. Now arithmetic does the work for me, I should have hired a grade schooler to do my analysis.
His next point is about how algorithmic content selection is bad. Yeah its bad. Its bad for everyone, turns everyone into psychos. Though I think there's a very good argument to be made about how such content could affect developing brains. He makes a point about age-gating social media at the end of the talk. This is actually the only drastic measure he proposes that I agree with so I'll leave this alone too.
After a couple slides about Zuckerberg and TikTok (which I agree with, though I think Zuckerberg's damage probably leans more towards older people than young now), he gives a bunch of graphs showing upward trends in all sorts of terrible things happening to young people. Every single one is an issue of critical importance in the US, but importantly, no comparison to older people. For all we know, the trend on every graph could be the same or even worse for older generations. If I had written about this first then I'd go and find the data for it but at this point I just want to be done with this but can't stop without getting to the end so I'm just gonna slap this slide with lack of comparisons and move on.
His next slide shows the difference in 30 to 34 year olds who have at least one child, some of that is probably due to family planning but I still think its a great indicator of people not wanting to have children because its not affordable. Great point, I believe in it.
Next slide, oh god it's a happiness report. I think happiness reports are a fun conversational tidbit but I see no way for it to be reliable enough to be used as an argument in any semi-serious setting. That said, I have no idea how they do these measurements so maybe I'm wrong.
As if the happiness report wasn't bad enough, Galloway is gonna compare the biggest one-day market cap gain (in an unspecified time frame) to the budget of several policies implemented by the government. Oh man. This is too stupid, there's so many things to pick from it'd take too much effort to sort through them. Someone else please make the argument for me.
Then he says universal basic income should have been called negative income tax. Wow the frequency of good points is going up, though I think this is accompanied by an increase in the frequency of absolutely idiotic arguments.
Then he says we should eliminate capital gains tax deduction. The issue of taxing capital gains is a very serious one, but I don't think it actually matters that much how much we tax realised capital gains. Again, not an expert but here's my understanding. If you have a high net worth with a lot of it in stocks and you need cash, you don't have to sell them and get taxed on the realised gains. You go to the bank and say I want to borrow money, I'm going to put these stocks up as collateral so if I can't pay you back you can take these stocks which are somewhere around the value of the principal amount plus total interest over the course of this loan. Because the bank is now convinced they'll get the money back regardless of if you make the payments or not, they say ok here's the money you asked for at a nice low interest rate. Then you take the money, you keep your stocks, which will probably gain value at a rate that exceeds the interest rate by a pretty decent margin, and you can probably make your interest payments pretty easily because hey, you were rich to begin with. If you're really strapped for cash a couple years down the line, you can sell some of the stocks that are now worth more than they were before and cover your payments and not have to pay taxes on the rest that you don't have to sell. Free money. There's plenty more ways to avoid taxes if you're rich but you get my point by now. Now that's a lot of problems without a solution. Luckily we have some economists far more skilled than I am who work very hard to find solutions to these problems. Here's one example of a policy that may help (https://www.nytimes.com/interactive/2024/05/03/opinion/global-billionaires-tax.html). This is an opinion piece written by Gabriel Zucman (famous economist), for the New York Times. If you don't have an NYT subscription, sorry for giving a link you can't read but if you search Gabriel Zucman billionaire tax, you could probably get a decent idea of what this talks about. Here's Zucman tweeting his proposal for his suggestion (https://twitter.com/gabriel\_zucman/status/1763253132572729623). It probably requires a little more thinking than the NYT article but he did present this at the G20 so that might sound more exciting to you than some news article.
Then Galloway says "we need to remove 230 protection for all algorithmically-elevated content". Zero mention on what 230 protection is so here's an explanation (https://www.law.cornell.edu/uscode/text/47/230). Basically that was a fancy way of saying that companies should be held accountable of the content on their platform, even if it's posted by an unrelated third party. I'm not sure getting rid of it in its entirety is a great idea (though I have no arguments against that except Orwellian ones) but I certainly agree that most if not all social media platforms have abused this protection and it should be at the very least restricted. To what extent? Again, I have no clue.
Then he goes "break up Big Tech". That's the whole suggestion. This is a terrible idea but the fact that he doesn't elaborate more on how to do this, the ramifications of doing so, or really provide any explanation at all makes me automatically ignore this. Then he makes his point about age-gating social media, like I said before, I agree with it.
His next suggestions are universal pre-K, great idea, then "reinstate the expanded child-tax credit". Not sure what he's going on about here, child tax credit exists and like I said before, was just expanded. Then it's income-based affirmative action. I don't know what kind of affirmative action is best and that sounds like an interesting idea so I won't criticise it. I think the rest of his suggestions are pretty normative arguments so I'll leave those alone too.
Don't get me wrong, I wholeheartedly agree with the overall theme of his talk. I believe that young people in the US (and many places worldwide) are at a massive disadvantage when it comes to accumulating wealth, buying homes, inter-generational transfers, etc. But you cannot go up on a popular platform like this, make claims as sweeping as he has, and make suggestions as radical and drastic as he has, with garbage arguments and data like this. Saying the right things for the wrong reasons is arguably worse than just saying the wrong thing because it makes it easy for those who want the status quo to remain to make counterarguments. Given how divisive opinions have become over the past decade or so I guess I shouldn't be surprised at how many people are eating this up but it kinda scares me how easily people will eat up this shit as long as its for a cause that sounds like its going for some kind of radical change for the good of all and has some imaginary "them" as the common enemy to everyone.
So that's it, I've finally covered all his points. I'm free, thank fuck. I should really proofread this but this has been my past eight hours and my back is breaking from all this sitting, I'm just gonna post this and read it over tomorrow. Maybe do a tl;dr, fix some formatting.
EDIT: As u/myphriendmike and u/Mordoci have pointed out, my dummy corp example was just tax fraud, that's illegal and so it's a bad example, I've removed it. Zucman has some estimates on the "real" tax rate wealthy people (mostly billionaires) pay, maybe I'll include that at some point.
I also corrected my wording in some places.

This Liberal NDP federal government is the most anti Canadian anti middle class government. They do nothing that is in the interest of Canadians. Nothing to benefit Canadians. I truly mean this when I say this. Fuck Marc Miller and fuck Sean Fraser. Today this idiot after teasing something the entire nation wanted (REDUCED IMMIGRATION) decided to pull his penis out and piss on the entire nation. They’ve decided they’re going to make the millions of people they brought PR’s. Some of these people are scammers (all the students using food banks) and those with fake papers/no funds, some of them are full blown criminals (The Indian guys we now know came as students and killed Hardeep Singh in Canada).
https://www.cbc.ca/amp/1.7200025
Source: https://globalnews.ca/news/10480761/hardeep-singh-nijjar-suspect-canadian-student-visa/amp/
We’re such a joke of the country even the Indian politicians are clowning us. Here’s Indias foreign minister mocking Canada saying we let in criminals. He’s not lying. They’re apparently wanted in India.
https://nationalpost.com/news/canada/canada-welcomes-criminals-india-says
Every politician supporting mass immigration needs to be publicly humiliated and fired. There is no benefit to any Canadian to experience this. Our cost of housing has increased, our birth rates are lowering even with this again as a result of the increased demand on cost of living (housing). Our economy and country as a whole are becoming non-productive. We the Canadian people want a fucking referendum. You do not for some esoteric reason in your head after hitting a crack pipe get to flood our country with more people than any western nation has seen in over half a century and then say they’re already here. Give them permanent residency. No these people are here as students at bullshit programs. They complete their studies they came for and they go home. Fuck loblaws. Fuck metro. Fuck McDonald’s. Fuck Tim Hortons and fuck any company lobbying to get these people PR’s for low wages. We are on our way to turning into a South American nation.
https://nationalpost.com/news/canada/statistics-canada-says-population-growth-rate-in-2023-was-highest-since-1957
Source: https://www.bankofcanada.ca/2024/03/time-to-break-the-glass-fixing-canadas-productivity-problem/
https://nowtoronto.com/news/weve-seen-cases-like-this-on-a-regular-basis-brampton-mayor-says-25-international-students-were-found-living-in-a-basement-and-now-hes-pushing-the-feds-to-provide-more-housing/
https://globalnews.ca/news/10262331/canadas-fertility-rate-record-low/
https://www.cbc.ca/news/canada/kitchener-waterloo/data-jobs-unemployment-waterloo-region-1.7066533
https://betterdwelling.com/if-canadian-unemployment-is-so-low-why-all-the-long-job-lines/
For anyone who doesn’t believe me. What is the difference between a Brazilian favela and a Brampton one? In a Brazilian favela 20 people don’t share a basement and one bathroom. We do not have a labour shortage that was a lie. We do not need 1M international students to build homes that was a lie. They all went into Tim hortons stirring and Uber. We sure as hell do not need to give illegals and these students PR. They are of no use to Canada in any way shape or form. They are unskilled, culturally divisive. We share no similarities . Has anyone seen the ads people from India are putting up. Indian girl only Punjabi, vegetarian. In CANADA. Indian girl only Gujarati, vegetarian. What the fuck.
Then we have this. Illegals. People here illegally not only putting increased demand on our housing. We the Canadian people are paying for this. We paid $769M alone for this in 2023. Our Canadian tax dollars that that could’ve went to improving Canada you know building more hospitals, houses. Infrastructure spent on this shit.
https://torontosun.com/news/national/free-hotel-rooms-meals-for-refugee-applicants-reportedly-cost-769m-in-2023
Then we have illegals overstaying their visas in Canada with no health insurance, asking Canadians to cover their medical costs to the tune of $90,000 alone for this one man. What the fuck is going on in Canada. Enough is enough. His dream of a better life should include Mexico covering his medical bill because he’s a MEXICAN here illegally and a deportation back to his home country.
https://toronto.citynews.ca/2024/05/09/uninsured-patient-major-hospital-bills-ontario-legs-amputated/
Here’s another slap in your faces and mine as well. Canadian newcomers will get free passes to parks as part of the new budget. We as Canadians including seniors the people paying for these people to get free access have to pay for access. I should’ve been an illegal. Whenever you’re all ready announce a date and time I’m there. Enough is fucking enough. Fuck these people from Justin Tredeau to Sean Fraser to Doug Ford to Pollievre and all the other premiers pushing for this amidst our current housing crisis. They have bankrupted the country and they’re trying to drive the Canadian middle class into feudalism and an early grave.
https://torontosun.com/news/national/federal-govt-sparks-outrage-for-giving-newcomers-free-access-to-canadas-parks